Financial Aid

Goucher College offers a comprehensive program of need-based and merit-based financial assistance. It is designed to help families cover the difference between the amount they are able to pay and the total cost of attending Goucher, as well as to attract and retain a talented and diverse student body. In 2011-2012 the college distributed $16.5 million in institutional financial aid for undergraduates. Goucher students receive financial aid awards that may include various combinations of need-based grants, merit-based scholarships, loans, and work-study opportunities. In 2011-2012, approximately 80 percent of Goucher students received some form of financial aid. The average need-based scholarship and grant award was $23,240 and the average total package was $26,900.

Goucher College is a member of the College Board and embraces the principles and practices of the College Scholarship Service. The participating colleges of the service believe that financial aid should be awarded to properly qualified candidates on the basis of the financial need of students and their families, with full respect for the confidential nature of the financial data reported. In addition, the Office of Student Financial Aid is a member of NASFAA and follows the NASFAA Code of Ethical Principles and the New York and Maryland codes of conduct with respect to the processing of student loans.

Financial need is determined by subtracting the expected family contribution (EFC)—as calculated on the Free Application for Federal Student Aid (FAFSA) and the CSS Profile—from the student’s total cost of attendance at Goucher. Parents, spouses, and students are expected to contribute a reasonable portion of their income and other resources. Priority consideration for aid will be given to all U.S. citizens and eligible noncitizens who apply by the established deadlines. International students who are not permanent residents of the United States are not eligible for government assistance but are considered for institutional merit-based scholarships and, on a limited basis, for institutional need-based grants. International students interested in being considered for institutional need-based aid must complete the College Board International Student Financial Aid Application.

The financial-aid package typically includes a self-help component consisting of a job and/or student loan, as well as need-based grant assistance, depending on financial need.  Merit-based scholarships are considered a resource and are incorporated into the financial aid package. Students awarded a merit-based Global Citizens Scholarship or Transfer Merit award may hold only one such award per academic year. Recipients of Rosenberg, Wilhelm, Mahoney, Fine and Performing Arts, or Cooke Scholarships, however, may receive these merit-based awards in addition to other Goucher-sponsored merit-based scholarships up to the cost of tuition (excluding fees).

Need-based financial aid is awarded for one year only and must be renewed annually. It is the intention of the Office of Student Financial Aid, subject to the availability of funds, to renew need-based aid to continuing students who are making satisfactory progress toward their degree. However, changes in loan eligibility, household size, the number of siblings in college, and a change in family income and/or assets may affect a student’s need-based financial aid award. The requirements for renewal of institutional merit-based scholarships vary depending on the award and are detailed in the Admissions section of the Academic Catalogue.

If a student’s family experiences a significant financial change, the circumstances should be explained in writing to the Office of Student Financial Aid.

Financial Aid Application Process

Students must apply for financial aid in advance of the term for which they plan to enroll. Goucher requires students to complete the Free Application for Federal Student Aid (FAFSA) and the CSS Profile.  The FAFSA may be completed online at www.fafsa.gov.  Our school code is 002073.  The CSS PROFILE may also be completed online at https://profileonline.collegeboard.org.  Goucher’s CSS Code is 5257.  In cases of divorce or separation, Goucher also requires the CSS Non-Custodial  Parent Profile from the non-custodial parent.  International students submit the College Board International Student Financial Aid Application at https://profileonline.collegeboard.org.

Students applying for Early Decision admission must submit the CSS PROFILE by December 1 to receive an estimate of financial aid with their acceptance.  They will also need to complete the FAFSA after January 1 for the estimated award to be finalized.  Early Action and Regular Decision applicants for admission submit the CSS PROFILE and the FAFSA by the priority deadline of February 1.  Applicants must be accepted to Goucher before receiving a financial aid award.  The priority deadline for returning students to submit the FAFSA and CSS PROFILE is April 15. Returning students receive notice of financial aid in mid-June.

Some students will be required to submit verification documents in addition to the FAFSA and the CSS PROFILE, if their FAFSA is selected for verification by the Federal Student Aid processor or the College.  Verification documents include, but are not limited to, a Federal IRS Tax Transcript for the student and the parent and a Federal Verification Worksheet. 

The College reserves the right to make adjustments to a financial aid award based on a change of enrollment status, change of housing status, receipt of verification documents, receipt of additional financial information, or receipt of outside assistance, Failure to complete additional requirements, maintain degree-seeking status, make satisfactory academic progress,  or comply with other federal or institutional aid regulations may also affect the financial aid award.

Financial Aid Programs

Need-Based Grants and Scholarships

Grants and scholarships are available through federal, state, institutional, and private programs.  Grants and scholarships typically do not have to be repaid.

FEDERAL PELL GRANT

The Federal Pell Grant is a need-based grant available from the federal government to undergraduate students with exceptional need.   Students may be enrolled full or part-time.   Eligibility for the Federal Pell Grant is determined by a strict federal formula and is awarded to students with low expected family contributions.  The range for the Federal Pell Grant award for 2011-2012 is $555 to $5,550. Federal Pell Grants are available to students for a maximum of 12 semesters.

FEDERAL SUPPLEMENTAL EDUCATIONAL OPPORTUNITY GRANT (FSEOG)

Federal Supplemental Educational Opportunity Grants are awarded to undergraduate students with exceptional financial need.  Priority is given to Federal Pell Grant recipients who have met the priority filing deadline and have the lowest EFC.   FSEOG awards range from $500 to $2000 depending on campus-based fund availability and financial need.  Goucher matches federal funds with additional grant.

GOUCHER GRANT

The Goucher Grant is an institutional need-based grant awarded to undergraduate students with demonstrated financial need.  Full-time enrollment is required to receive a Goucher Grant.  The award amount varies according to need with a maximum award (including merit-based aid, if offered) of $28,000 per academic year.

MARYLAND STATE SCHOLARSHIPS AND GRANTS

The Maryland Higher Education Commission (MHEC) offers and administers a variety of state scholarships and grants.  To be considered for need-based Maryland grants, students must be Maryland residents and must submit the FAFSA by March 1.  MHEC also awards merit-based scholarships.  For more information, visit www.mhec.state.md.us.

OTHER STATE SCHOLARSHIPS AND GRANTS

Some states provide state funding for residents who attend an out of state school.  Students who are not Maryland residents should check with the higher education agency for their state of residence for eligibility requirements.

FEDERAL TEACH GRANT PROGRAM

Current students, former teachers, or retirees enrolled in a Federal TEACH Grant-eligible program may be eligible to receive the Federal TEACH Grant.  Post-baccalaureate teacher credential programs are also eligible.  Students must be completing, or intend to complete coursework necessary to begin a career in teaching.  All applicants must complete initial counseling and sign an Agreement to Serve which specifies the requirement to teach in a high-need field within a low-income location for at least four within the first eight years after graduating.  Failure to fulfill the Agreement to Serve will result in Federal TEACH Grant funds being converted to Unsubsidized Federal Direct loans.   A grade point average of 3.25 or qualifying scores on a national standardized admissions test is required to receive the Federal TEACH Grant.  Grants of up to $4,000 are awarded.  The TEACH Grant is prorated for part-time enrollment.

Merit-Based Scholarships

FIRST-YEAR MERIT SCHOLARSHIPS

First-Year scholarships are designed to recognize outstanding applicants and to make Goucher a very realistic choice for their education.  These scholarships are based on academic credentials, special talents, and/or extra-curricular achievements in high school and in some cases high school and college. Merit-based scholarships are awarded without consideration of demonstrated financial need.  . The amounts of these first-year scholarships are set annually; in recent years, they have ranged from $5,000 to full tuition.

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DEAN’S SCHOLARSHIP

Awarded to our most outstanding first-year applicants, this scholarship is valued at full-tuition ($37,072 in 2012-2013)). Approximately 10 Dean’s Scholars enroll each year. Students who have distinguished themselves through superior academic achievement will be considered for the Dean’s Scholarship. Non-academic factors, such as special talents and extracurricular leadership, can influence the selection process. The Dean’s Scholarship may be awarded for a total of eight semesters, provided scholars fulfill the renewal requirements, which include maintaining full-time enrollment and a minimum GPA of 3.25.

GLOBAL CITIZEN SCHOLARSHIPS

Global Citizen Scholarships are awarded to first-year applicants who demonstrate potential for outstanding academic achievement at Goucher and for contributing to a vibrant campus community. These scholarships range between $10,000 and $20,000.  Global Citizen Scholarships may be renewed, and are available for up to eight semesters of study at Goucher provided full-time enrollment and a minimum GPA of 3.0 is maintained.

FINE AND PERFORMING ARTS SCHOLARSHIPS (FPAS)

FPAS scholarships are awarded only to incoming students in dance, theatre, music and visual arts in the amount of $10,000 per year. The FPAS is renewable and covers  up to eight semesters of study at Goucher, provided the recipient satisfies the renewal requirements, including fulltime enrollment, a semester GPA of 3.0 or higher, and continued active participation in endeavors related to the arts to the satisfaction of the department sponsoring the scholarship (art and art history, dance, music, or theatre). A FPAS recipient cannot also receive a Rosenberg or Wilhelm Scholarship.

THE ROSENBERG SCHOLARSHIPS IN MUSIC, DANCE, AND VISUAL ART AND THE WILHELM SCHOLARSHIP IN THEATRE

Both new and returning students compete for scholarships awarded in the amount of $10,000 for one year. These scholarships may be combined with a Global Citizen scholarship if applied toward direct expenses (tuition, room, and board). Rosenberg and Wilhelm scholarships can’t be combined with a Dean’s Scholarship, tuition remission or tuition exchange funding.

TRANSFER MERIT-BASED SCHOLARSHIPS

Transfer applicants with an undergraduate GPA of 3.2 or above are considered for these scholarships, which range between $8,500 and $10,000. Phi Theta Kappa-designated community or junior college admitted applicants will be awarded $10,000 annually. The scholarships are renewable through graduation or for a total of six terms, whichever comes first, provided eligibility requirements, including maintaining full-time status and a minimum GPA of 3.0 are met. New transfer students are also ineligible to compete for the Rosenberg and Wilhelm Scholarships in the Arts.

Loan Programs

Student loans are available through the U.S. Department of Education, Goucher College, and private lenders.  The U.S. Department of Education also offers a loan for parents.

FEDERAL DIRECT LOAN

The U.S. Department of Education makes Federal Direct Loans available to students through Goucher College regardless of financial need.  Students must file the FAFSA and enroll as degree-seeking students with at least six credits per semester.  Students who demonstrate financial need are eligible for a Subsidized Federal Direct Loan.  Students who do not demonstrate need are eligible to borrow the Unsubsidized Federal Direct Loan. 

The base Federal Direct loan limits per year are $5,500 as a freshman, $6,500 as a sophomore, $7,500 as a junior, and $7,500 as a senior. Independent students and dependent students whose parents do not qualify for a Federal Direct PLUS loan may borrow additional Federal Direct Loan funds.  The interest rate is 6.8%.  A one percent origination fee is deducted from the loan proceeds upon disbursement.  First time borrowers are required to complete Entrance Loan Counseling and a Master Promissory Note which may be completed online at www.studentloans.gov.   The standard repayment period is 10 years.  Various repayment options are available including extended, graduated, and income contingent.

SUBSIDIZED FEDERAL DIRECT LOAN

Eligibility is based on demonstrated financial need per federal formula.  Maximum award amount is determined by Goucher according to demonstrated financial need. Interest is paid by the federal government while the student is enrolled on at least a half-time basis and during deferment.  Repayment begins six months after the student graduates, leaves school or falls below half-time status (6 credits). 

UNSUBSIDIZED FEDERAL DIRECT LOAN

Available to students who do not qualify for the need-based loan, as an additional amount for students who have borrowed their maximum eligibility for the need-based Federal Direct loan, and for students whose parents do not qualify for a Federal Direct PLUS loan.    The student is responsible for the interest from the date of disbursement.  The interest payments can be deferred while the student is in school.  Deferred interest is capitalized, in other words, added to the unpaid principal amount of the loan which substantially increases the amount you repay.

FEDERAL PERKINS LOAN

The Federal Perkins Loan is a 5% interest loan awarded on a funds available basis to students with exceptional need, further defined as Pell eligible.  Interest is paid by the federal government while the student is enrolled on at least a half-time basis, during the grace period, and during deferment.  Repayment begins 9 months after the student graduates, leaves school or falls below half-time status (6 credits).  The standard repayment period is 10 years. 

GOUCHER LOAN

Limited funds are available through Goucher’s institutional loan program.  Goucher loans are awarded to students enrolled in a Goucher-sponsored study abroad program for academic credit.  A separate application is required.  The maximum loan is $2,000.  The loan interest rate is 5% and repayment begins 6 months after the student graduates, leaves school or falls below half-time status (6 credits).

FEDERAL DIRECT PLUS

Parents of dependent students enrolled at least half-time are eligible for Federal Direct PLUS Loans.  Graduate students enrolled at least half-time are also eligible to borrow a Federal Direct PLUS loan. The annual maximum amount that may be borrowed is the full cost of attendance minus any financial aid.  Eligibility is determined by credit history.  The credit check is valid for only 90 days; therefore we recommend waiting until June to apply if you wish to borrow for the academic year beginning with the fall term.  We also recommend applying for the full academic year rather than by semester.  Loan funds are disbursed directly to the student account. The Federal Direct PLUS Loan fixed interest rate is 7.9%.   A 4% fee is deducted from the loan prior to disbursement.  The borrower is responsible for the interest that begins accruing 10 days after the date of the first disbursement.  Repayment of principal begins no later than 60 days after the loan is fully disbursed unless the parent borrower has requested a deferment.  Deferments may be requested during the period the student on whose behalf the loan was borrowed is enrolled at least half-time and may also be requested during the 6 month period beginning on the day after the student is no longer enrolled at least half-time.  If a parent is denied a Federal Direct PLUS loan due to credit reasons, the parent may appeal the denial with the Federal Direct Loan Origination Center or reapply with a credit-worthy endorser. 

In order to comply with Social Security Administration data matches, the FAFSA must be completed to process a Federal Direct PLUS Loan application. Borrowers must also complete a Federal PLUS Request form which can be downloaded from the web at www.goucher.edu/financialaid.

PRIVATE EDUCATIONAL LOAN

Students may borrow funds up to the cost of attendance minus financial aid (including outside resources) through a private educational loan.  Private educational loans, offered by banks, savings and loans, and credit unions, are not federally guaranteed.   They are typically the most expensive borrowing option and therefore, should only be considered after eligibility for all federal student and PLUS Loan options have been determined. The interest rate, terms, and repayment options of these private educational loans vary according to the lender.  Most students will need a credit-worthy co-signer to obtain a private educational loan.  All private educational loans are divided into equal disbursements for each semester. 

Work Opportunities

FEDERAL WORK-STUDY (FWS)

FWS provides students with the opportunity to earn wages through on-campus and off-campus employment.  An FWS award represents the maximum amount a student may earn during the academic year.  FWS awards range from $1000 to $1200.  Hourly wages begin at $7.25 per hour.  The hourly wage may vary depending on the complexity of the work performed.  Students typically work between 8 and 10 hours per week although students are permitted to work up to 20 hours per week during the academic year.  Students should work for only one FWS employer.  Students receive biweekly paychecks for hours worked.  Earnings do not have to be repaid but they are considered taxable.    For priority consideration, students must meet the priority filing deadline.  Students

INSTITUTIONAL WORK

Students may work on campus regardless of their eligibility for Federal Work-Study.  

Preferred Lender Lists

Goucher does not maintain a preferred lender list. Students are strongly encouraged to thoroughly research private lenders and choose the lender that is best for their financial circumstances, if a private educational loan is necessary.

Study-Abroad and Financial Aid

Goucher College was the first college in the nation to require all undergraduate students to study abroad at least once before graduation.  Each student enrolled full-time in a degree-seeking program is offered a one-time voucher of $1,200 ($3,000, for students participating in the International Scholars Program) to help defray travel expenses. Students may use the voucher to study abroad through an approved program, either sponsored or not sponsored by Goucher College, during the fall, spring, winter or summer terms.

Students studying abroad in a Goucher sponsored study abroad program will receive their financial aid as if attending on campus classes.  Goucher institutional aid (including merit-based scholarships) is typically available for a maximum of one semester even if the student selects a yearlong Goucher sponsored study abroad program.  In some cases as approved by the Office of International Studies or the department, students may receive financial aid for a year long program

Students who elect to participate in a study abroad program sponsored by another institution or through a program provider must submit a petition for approval to the Office of International Studies.  If the petition is approved and the student elects to have financial aid processed for the fall or spring term, the Office of Student Financial Aid will execute either a consortium or a contractual agreement between Goucher College and the other institution or program provider.  Goucher College, as the home school, will process the aid and forward federal funds (Pell, Federal Direct Student loans, and Federal Direct PLUS loans) to the other institution or program provider.  Campus-based Federal funds, including Federal Work Study, Federal Perkins loans, and Federal Supplemental Educational Opportunity Grants (FSEOG) as well as institutional funds are not processed for students while studying abroad through programs not sponsored by Goucher College.

Students who elect to participate in a study abroad program that is not approved by Goucher are not eligible to receive Federal or institutional financial aid.

Federal and institutional need-based financial aid is not awarded for winter or summer Intensive Courses Abroad (ICA) programs.  Students may be awarded scholarships by OIS.  Students meeting specified criteria may apply for a Goucher loan for a maximum $2,000.

Return of Title IV Funds

If a recipient of Federal Title IV aid withdraws, drops out, is dismissed or suspended, or takes a leave of absence during a period of enrollment, Goucher College must calculate the amount of Federal Title IV aid the student earned. Unearned Federal Title IV funds must be returned to the Title IV programs.  The Director and Assistant Director of Financial Aid calculate the Federal Title IV aid earned for both the undergraduate students and graduate students.

When a student withdraws, drops out, is dismissed or suspended, or takes a leave of absence during a period of enrollment, the institution must determine the withdrawal date and the amount the student earned, which includes the amounts that were or could have been disbursed. Federal work study is not included in the amount of Federal Title IV aid earned. The institution is also responsible for returning unearned funds to Federal Title IV programs.  Note that the student may owe a debit balance to the institution when Title IV funds are returned.

A review of all student records will occur at the end of each semester.  For those students who receive all F grades, contact will be made with each professor.  If the professor reports that the student fulfilled the course requirements and did not meet the standards for a passing grade, it will be determined that the student earned the F grade.  If the professor reports that the student stopped attending or otherwise discontinued participation in an academically related activity, it is determined that the grade is an unearned F.  Students with all unearned F grades are considered to have unofficially withdrawn from the college and are subject to a Federal Return to Title IV calculations. 

The Federal formula requires the return of Title IV aid if a student withdraws, student drops out, is dismissed or suspended, or takes a leave of absence during a period of enrollment and received Federal financial assistance in the form of a Federal Pell Grant, Federal Supplemental Educational Opportunity Grant, Federal TEACH, Federal Perkins Loan, Federal Unsubsidized or Federal Subsidized Stafford loan, or Federal PLUS loan and withdrew on or before completing 60% of the semester. The percentage of Title IV aid to be returned is equal to the number of calendar days the student was enrolled (minus scheduled breaks) divided by the number of calendar days in the semester.

Federal regulations include special rules applicable to programs that are offered in “modules,” which are programs with courses that are less than a semester in length, such as Goucher’s seven-week courses.  If the student drops a seven-week course, but is enrolled in another semester-long course or courses during the term, the student will generally not be considered to have withdrawn from the college and no return of funds calculation will be made. However, if a student drops a seven-week course some adjustment to the Federal Pell Grant and campus-based aid may be necessary.

The calculation of earned and unearned Federal Title IV aid is very straightforward. A form titled “Treatment of Title IV Funds When a Student Withdraws from a Credit Hour Program” can be online at http://www.ifap.ed.gov/eannouncements/attachments/0630R2T4CreditHour06.pdf

Satisfactory Academic Progress (All Undergraduates)

Federal and state regulations require Goucher monitor the academic progress of potential and current financial aid recipients.  Students must maintain Satisfactory Academic Progress (SAP) as a condition of initial or continuing financial aid eligibility.  The SAP policy is comprised of three components:  minimum grade point average (qualitative), completion rate (quantitative), and maximum time frame for completion of degree.  Note that the SAP policy for financial aid may differ from the academic policies required to remain at Goucher. 

Minimum Grade Point Average (GPA)

After the completion of the each academic year (regardless of the number of credits accrued), an undergraduate student must maintain the required cumulative GPA of 2.0 to received federal financial aid.

Completion Rate

Students must complete 75 percent of credits attempted each year to maintain satisfactory academic progress. The percentage of completion is determined by dividing the number of credits successfully completed by the cumulative number of credits the student has attempted. 

Maximum Time Frame

The normal time frame for completion of the undergraduate degree requirements at Goucher is eight semesters. Therefore, under normal circumstances, no student shall receive more than eight semesters of financial aid, except for Federal Pell Grant, the Federal Direct Subsidized and Unsubsidized loans, Federal Perkins Loan, and Federal Direct PLUS loan.  Students who take longer than eight semesters to graduate will be considered for federal financial aid only, for up to four additional semesters, the maximum time frame permitted by federal regulations.

Note that institutional aid is offered for a maximum of eight semesters.  Maryland state aid is typically offered for a maximum of eight semesters but this may vary by program and is subject to the availability of funds.  

Transfer students

If accepted transfer credits are less than 27, the student will enter in year 1, and will have eight semesters to complete the degree at Goucher for normal progress. If accepted transfer credits are between 27 and 56, the student will enter in year 2 and will have six semesters to complete the degree at Goucher for normal progress. If accepted transfer credits are between 57 and 60, the student will enter in year 3 and will have four semesters to complete the degree at Goucher for normal progress. If the student enters Goucher with more than 60 earned credits, the student should consult with the Office of Financial Aid to determine the normal time frame for financial aid eligibility.  The maximum time frame for completion of the undergraduate degree for transfer students will allow the addition of up to two semesters to the transfer grade level.  For example, a transfer student entering in year 3 would be allowed a maximum of six semesters to complete the degree at Goucher.

Part Time students

Students who are matriculating part time have a maximum time frame of eight years to complete the required courses to graduate from their program. 

Consequence of failing to maintain satisfactory academic progress

Goucher will not process federal financial aid for a student who fails to maintain satisfactory academic progress, unless the student is on financial aid warning or financial aid probation. Goucher is not obligated to replace federal funds with a Goucher Grant. 

Credits

Credits are defined as credits toward graduation (graded + P/NP credits).

Withdrawals

Withdrawals are treated as attempted, but not completed, credits.

Incompletes

Incompletes will initially count as attempted, but not completed, courses until the Incomplete grade is replaced with a permanent grade and academic progress can be re-evaluated.

Transfer Credits

Credit hours from another institution that are accepted toward the student’s educational program will count as both attempted and completed hours.

Repeated Courses

Financial aid does not count repeated courses when evaluating eligibility, except for failed courses and one repeat of a passed course.  Students repeating a course that will not be counted must make sure that they are registered for enough additional credits to be considered full time.  Students should consult the Academic Procedures section of the Catalogue for additional information about repeated courses.

Monitoring Satisfactory Academic Progress (SAP), including Financial Aid Warning and Financial Aid Probation

The Office of Student Financial Aid will evaluate student’s records for SAP at the end of each semester. Students who fail to maintain SAP at the end of any semester will, on the first occasion, be automatically placed on financial aid warning, without an appeal or any other action by the student. Title IV, HEA program funds may be disbursed while a student is on financial aid warning.

At the end of the term during which the student is on financial aid warning status, the student may be placed on financial aid probation if: ,

 •(i)  it is determined that the student did not make satisfactory academic progress during the period the student was on financial aid warning;

•(ii)  the student appeals the determination in writing to the Director of Financial Aid; and

•(iii)  (A) The Financial Aid Appeals Committee determines that the student should be able to meet satisfactory academic progress standards by the end of the term; or (B)  an academic plan is required for the student that, if followed, will ensure that the student is able to meet Goucher’s satisfactory academic progress standards by a specific point in time. 

In accordance with federal regulations, students may appeal the finding that they failed to maintain satisfactory academic progress under subparagraph (ii) above in the event of the death of a relative, an injury or illness of the student or other special circumstance.  In the event of illness or injury, the student must submit documentation from a doctor or other health care provider stating that the condition prevented the student from attending classes. An appeal under subparagraph (ii) must be submitted in writing within two weeks of the time of notification to the student of financial aid probation status and must include, at a minimum, the reason why a student failed to meet satisfactory academic progress and what has changed that will allow the student to make satisfactory academic progress at the end of the next semester.

Re-establishing Student Aid Eligibility

In order to re-establish student aid eligibility, a student must achieve a cumulative GPA of 2.0. Please note that credits earned at another institution are not calculated into the Goucher GPA, so the 2.0 cumulative GPA must be earned at the college. If the student’s cumulative GPA drops below 2.0 again, he or she will be ineligible for federal financial aid.

Completion of Degree Requirements

A student who has completed all the coursework for his or her degree but has not yet received the degree cannot receive further federal financial aid for that program. Exceptions are made if the student enrolls in another program (seeking a different degree).

Outside Scholarship Policy

Students must report all expected financial aid not already listed in their Award Notification. This includes Goucher tuition remission, non-service fellowships, Goucher scholarships, private scholarships, vocational rehabilitation benefits, veteran’s benefits, employer tuition benefits, and Community Living assistant benefits.

With full knowledge of a student’s total aid sources, Goucher can reformulate a student’s financial-aid package to make the most efficient use of available funds. In determining unmet financial need, the total aid package, including any self-help money offered the student (accepted or not), is subtracted from the calculated financial need. Outside scholarships (awards obtained from corporations or organizations) will be applied directly to any unmet financial need, as calculated by the college, and will offset up to $1,200 of a student’s self-help (subsidized loan and/or work-study offer from the federal government). Only after these priorities are exercised will the outside award be applied to reduce Goucher’s need-based grant.

Endowed Scholarships

Endowed scholarships are an important source of funding for need-based grants awarded by the Office of Student Financial Aid. These endowed scholarships are made possible through generous gifts by alumnae/i, trustees, corporations, foundations, employees, and other friends of Goucher. There is no separate application process for these awards, but recipients are expected to communicate with the donor/s or their families in order to express appreciation for these funds. In most cases, endowed funds underwrite existing Goucher need-based grants awarded.

The Abshire Scholarship
The Eli Edward Adalman and Anne Adalman Goodwin Scholarship
The George I. Alden Trust Scholarship Endowment Fund
The John and Josephine Webb Alexander ’30 Memorial Scholarship
The Marie Alleman 1919 Scholarship
The Margaret Mary Allgeier Memorial Scholarship
The Mary Niven Alston EOP Scholarship Fund
The Corene Elaine Amoss Memorial Fund
The Agnes and Hermann Asendorf International Studies Scholarship

The Auxiliary to the Health Center Scholarship
The Clara and Agnes Bacon Fund
The Jane Maria Baldwin Scholarship
The Keturah Baldwin 1906 Scholarship
The Rosa Baldwin 1896 Scholarship
The Elizabeth Bansemer Scholarship
The Vola Price . Barton 1915 Physics Scholarship
The George Beadenkopf Fund
The Mary J. Beall Memorial Scholarship
The Edith A. Beck 1904 Scholarship
The Clarissa Howe Beerbower ’35 Chemistry Scholarship
The Bessie A. Bell Memorial Scholarship
The Elizabeth Harwood Bennett ’31 Memorial Scholarship
The Margaret J. Bennett Scholarship
The Lucinda M.B. Benton Scholarship
The Arthur and Ruthella Mory Bibbins 1897 Scholarship
The Eleanor Watts Black Memorial Scholarship
The Donna R. Blaustein ’64 and Arnold S. Blaustein Endowed Scholarship
The Margaret Mack Blizzard ’76 Memorial Scholarship

The Prudence G. Bowen ’31 Scholarship
The Frances Grant Brady ’50 Memorial Scholarship
The Dorothy Berry Bragonier 1915 and the Winifred Berry Cassard 1918 Scholarship
The Marjory Gaylord Brink Endowed Scholarship

The Charlotte Killmon Wright Brown ’22 Scholarship
The Audrey Wicker Brownley ’36 Scholarship
The Audrey Wicker Brownley Scholarship Fund for Goucher College through the Community Foundation for the National Capital Region
The Caroline Doebler Bruckerl ’25 Scholarship
The Louisa Whildin Buchner ’26 Scholarship
An Anonymous Endowed Merit Scholarship in History
The Gertrude Carman Bussey Scholarship
The Constance R. Caplan ’57 Scholarship Fund for Study at Cambridge University
The Margaret and Charles Carmine Memorial Scholarship
The Mollie Rae Carroll Scholarship
The Alicia Carter ’84 Memorial Scholarship
The Roberta Chesney 1910Scholarship
The Citicorp Scholarship
The Clara W. Claasen ’25 Scholarship
The Mary Lu Clark Endowed Scholarship
The Class of 1904 Scholarship
The Class of 1907 Scholarship
The Class of 1909 Scholarship
The Class of 1910 Scholarship
The Michele and Marty Cohen Scholarship Fund

The Suzanne Fineman Cohen ’56 International Scholars Fund
The College Bowl Scholarship
The Ruth Wurzel Collins ’31 Scholarship
The Rachel Colvin Scholarship

The Marjorie Cooke Scholarship
The Hilda and Gertrude Cordish Scholarship
The Florence Thomas Courvoisier 1896 Scholarship
The Mildred Covey Scholarship
The Susan Wintringham Crosby ’59 Scholarship
The Timothy Mark D’Arcangelo Scholarship
The Annie Swindell Davis Scholarship

The Sandra Collier Degler Memorial Scholarship
The Dorothy Geib Deitrick ’29 Scholarship
The Margaret Crawford Demeré ’52 Scholarship
The Johanna Weber DeMuth Scholarship
The Elizabeth De Vinney Scholarship
The Disadvantaged Students Scholarship
The Mercantile Douglas Dodge Scholarship
The Dorothy L. Dorman ’63 Memorial Scholarship
The Hedwig and Thomas Dorsey Scholarship
The Rhoda M. Dorsey Scholarship
The Lois H. Douglass 1911 Scholarship
The Mabel Haywood Dye 1910 Memorial Scholarship
The Emily Gibson Dyke ’44 Scholarship
The Eagle Scout Scholarship
The Emily Newcomer Eby ’24 Scholarship

The Helen Vinik Eisenberg ’46 Endowed Scholarship Fund
The Essey Scholarship

The Klara Farkas and Georgette Farkas Ballance Scholarship Fund

The Lois Blum Feinblatt ’42 Scholarship Fund
The Lucia Blackwelder Findley ’64 Scholarship Fund
The Margaret Elizabeth Fisher ’75 Scholarship
The Foreign Student Scholarship
The Nettie R. Fox ’32 Scholarship
The Virginia L. Fox ’28 Scholarship
The Elaine K. Freeman ’58 Endowed Scholarship

The Dance Gala Scholarship
The Katherine Jeanne Gallagher Memorial Scholarship
The James N. Gamble Scholarship
The Eric J. Gelman ’95 Memorial Scholarship
The Rita Specter Gelman ’54 Scholarship
The Mr. and Mrs. William O. Gherky Memorial Scholarship
The Gertrude Levy Giavani 1918 Scholarship
The Given Foundation Scholarship

The Theresa Wimmer Goetzke Scholarship Fund
The Goldsmith Family Foundation Scholarship
The Amy Behrend Goldstein ’33 Dance Scholarship
The Catharine E. Good ’24 Scholarship in English
The Pauline K. Goodman ’76 Scholarship
The Douglas S. and Hilda Perl Goodwin ’43 Scholarship
The Goucher II Scholarship
The Ann S. Griffiths ’90 Endowed Scholarship
The Elizabeth Louise Grover ’29 Scholarship
The William Westley Guth Scholarship
The Elaine Binswanger Gutman ’39 Scholarship for Returning Students
The Willard and Lillian Hackerman Scholarship for 3+2 Engineering Students
The Harriet L. Haile ’79 Memorial Scholarship
The Julia Sprenkel Hall ’22 Scholarship in Mathematics
The Edith Lynn Halverson ’39 Scholarship
The Katherine McCampbell Hardiman ’63 Scholarship
The Janet  and Charles Harris  Scholarship
The Isabel Hart Scholarship

The Hearst Foundation Scholarship
The Catharine Straus Hecht ’37 and Isaac Hecht Scholarship
The Mary Taylor Hesky Scholarship
The Emmert Hobbs Endowed Scholarship

The Sarah Coulter Hofstetter ’61 Scholarship Fund
The Esther M. Hollander 1919 Scholarship
The Grace Hooper ’23 Scholarship
The Ono Mary Hooper ’1896 Scholarship

The Clara Wimmer Hopkins 1912 Scholarship Fund
The Marjorie Groothius Horning ’38 Science Scholarship
The Virdo Snider Horst 1899 Scholarship
The Anna and Ferdinand Hosp Scholarship
The Anne Schumacher Hummert ’25 Scholarship
The Margaret Smith Hunter Scholarship
The Lillia Babbitt Hyde Scholarship
The Sigmund M. and Mary B. Hyman ’71 Merit Scholarship in Science
The Anne Elizabeth Sturmfels Iber ’47 Scholarship Fund
The Matilda Robinson James 1916 Scholarship
The Edith M. Johnson, M.D., ’1913 Memorial Scholarship for Older Women
The Mary Philips Jones Scholarship
The Miriam Kahn ’61 Memorial Scholarship
The Etta Ingalls Kelley Scholarship
The Kellicott-Graves Scholarship

The Claire Krantz Scholars in the Five-Year Education Programs
The Joel Krisch Scholarship
The Alice and Walter Kohn Scholarship

The Messmer L. and Gertrude B. Lafferty Scholarship
The Martha Schulman Lapovsky Scholarship in Music
The H. Wilson and Grace A. Lark Memorial Scholarship
The Nancy Nulton Larrick 1903 Scholarship
The Cora O. Latzer 1915 Scholarship
The John J. Leidy Foundation Scholarship
The Edward Clyde Leslie Memorial Scholarship
The Charlotte R. Levis ’26 Scholarship

The Grace T. Lewis ’13 Scholarships in the Sciences 
An Anonymous Endowed Scholarship Fund
The Mt. Holly Lions Scholar
The Frances Pendleton London ’33 Scholarship
The Robert Adams Love Scholarship
The Sara Lowrie Love 1916 Memorial Scholarship

The Alice E. Maginnis ’21 Scholarship
The Leslie Nelson Savage Mahoney 1912 Scholarship
The Eva F. Manos Scholarship
The Dr. & Mrs. N. Gardner Mathieson Scholarship in memory of Florence Louise Reich ’33
The Anna Glover Matson Scholarship
The Harriet Floyd McCaskey ’33 Scholarship
The Edna S. McNinch 1912 Scholarship in the Sciences
The Louise Lathrop McSpadden ’35 Scholarship
The William E. and Elda Mack Meiers ’51 Scholarship
The Joseph Meyerhoff Family Scholarship
The Hajime Mitarai Memorial Fund for Study Abroad
The Walter M. Morris Scholarship

The Joan Scott Morrison Endowed Scholarship in Mathematics
The Shirley K. Morse ’30 Scholarship
The Helene Lobe Moses ’24 Memorial Scholarship
The Hilda Moses Scholarship
The Helen Brevoort Mutch ’29 Scholarship
The Jane Devereux Porter Nabers ‘34 and Susan Cowles Porter Sommerville ‘29 Memorial Scholarship Fund
The Dorothy Hamburger Needle ’34 Scholarship

The Older Women Scholarship

The Patricia “Kinsey” Olson Memorial Scholarship
The Florence Burgunder Oppenheim 1902 Scholarship
The Virgina Parker ’28 and Monroe H. Martin Scholarship Fund for Study of Biological or Cultural Conservation
The Fanny Jonas and Harry J. Patz Scholarship
The Maryland Young Pennell Scholarship
The Mamie Emory Phillips ’24 and Marrian Kuethe Wilson ’23 Scholarship
The Howard and Geraldine Polinger Scholarship in Dance
The Anne Margaret Potts Scholarship
The Helen Pracht Memorial Scholarship

The Presidential Scholarship
The Gertrude Sherby Rand ’33 Scholarship
The Reader’s Digest Foundation Scholarship
The Lizette Woodward Reese Scholarship

The Elizabeth Gardner Reinicker ’36 Scholarship Fund
The Blanche Genevieve Reisinger Scholarship
The Amy E. Reno 1905 Scholarship
The Bertha Bray Richards ’25 Scholarship
The Emma Robertson Richardson ’34 Scholarship
The Milton Roberts Memorial Scholarship
The Esther Katz Rosen 1916 Scholarship
The Anne L. Rosenberg ’77 Endowed Scholarship
The Henry and Ruth Blaustein Rosenberg Scholarships in Music, Visual Arts, and Dance
The Ellen Russell ’35 Scholarship Fund
The Mary Hudson Scarborough 1897 Scholarship
The Phyllis Kolker Schreter ’43 for Study Abroad Fund
The Helen Hosp Seamans ’23 Scholarship
The Selz Foundation Scholarship Fund
The Annie Shelley Memorial Scholarship
The W. H. Shelley Scholarship

The Devorah Sherman Scholarship Fund
The Frankie J. Sherwood ’69 Scholarship
The Dorothy Axford Shields ’31 Scholarship
The Mary Brillinger Shumaker ’29 Scholarship
The Anna May Slease 1903 Scholarship
The Laetitia M. Snow 1895 Memorial Scholarship
The Florence Walther Solter 1904 Memorial Scholarship
The Marcia Ryan Spaeth ’46 Memorial Scholarship
The James W. and Sallie E. Spencer Memorial Scholarship

The Margaret Strauss-Kramer ’30 Scholarship in Chemistry
The Susie Brown Sweet 1897 Scholarship
The Beulah Tatum Memorial Scholarship
The Tau Kappa Pi Fraternity Scholarship
The Margaret Taylor ’31 Scholarship in Mathematics
The Catharine Long TeLinde ’21 Scholarship

The Joyce Tseng ’55 and Anna Tseng Lum ’62 Scholarship
The Sarah Lark Twiggar ’30 Endowed Scholarship Fund
The Eli Velder Book Scholarship Fund
The Ellen Fraites Wagner ’72 Scholarshi

Mary P. Wagner Scholarship Fund p
The Leah W. Waitzer ’57 and Richard M. Waitzer Endowed Scholarship Fund
The Carol Fain Walters ’57 Scholarship
The Jeanne H. Ward ’46 Memorial Scholarship
The Margie Black Warres ’40 Fund for Students with Special Needs
The David and Marilyn Southard Warshawsky ’68 Scholarship
The Josepha Crist Weaver ’33 Scholarship in Science
The Edith R. Weinberg ’24 Scholarship
The Dorothy Sweet Welchli ’21 Scholarship
The Carrie Burgunder Westheimer 1908 Scholarship
The Mary Wilhelmine Williams Scholarship
The Eva Orrick Bandel Wilson 1897 Scholarship

The Katherine Greer Woods ’22 Memorial Scholarship
The Madge M. Young 1905 Scholarship
The Norma D. Young ’30 Scholarship
The Virginia Howe Young ’28 Scholarship
The Kleofota Zavalakes Scholarship