Financial Aid

Goucher College recognizes the importance of offering financial aid to students who demonstrate financial need.  To that end, we offer various types of financial support to assist families with living expenses and tuition.  The Office of Student Financial Aid seeks to bridge the gap between the cost of attending Goucher College and the family’s resources.

DETERMINING ELIGIBILITY FOR AID

COST OF ATTENDANCE

Cost of attendance (COA) is an estimate of the expenses incurred by students during the nine-month academic year (fall and spring).  The cost of attendance includes direct institutional charges (tuition, fees, and on-campus room and board) and estimates of indirect expenses (transportation, books, supplies, miscellaneous living expenses, off-campus room and board, and loan fees).  The cost of attendance is a tool used to help determine an applicant’s eligibility for need-based aid.

2013-2014 Undergraduate Cost of Attendance
                                       On-Campus

Commuter

Off-Campus

EXPECTED FAMILY CONTRIBUTION (EFC)

The data provided on the Free Application for Federal Student Aid (FAFSA) and the College Scholarship Service Profile (CSS Profile) is analyzed according to federal and institutional formulas to determine the expected family contribution (EFC).  The EFC is most often comprised of a student and parent contribution. The EFC is a measure of the financial strength of a family.  It provides an estimate of the amount your family is expected to contribute toward educational expenses for the academic year.

On occasion, families experience circumstances that warrant basing their financial aid eligibility on their projected 2013 income information rather than the federally required 2012 income information. This is usually due to the loss of a job, untaxed income benefits, death or other extraordinary unusual expenses. If you feel that you have extenuating circumstances not addressed on your 2013-2014 Free Application for Federal Student Aid (FAFSA) or CSS Profile, you may complete a Professional Judgment Request (found on our website under Financial Aid Forms) and submit the required documentation to request a reevaluation of your financial aid eligibility.

FINANCIAL NEED

Financial need is the difference between the cost of attendance (COA) and the expected family contribution (EFC).

For example:

    COA                                $52,450

 -  EFC                                $20,000

Financial Need                   $32,450

Goucher offers need-based aid to students with demonstrated financial need.  According to federal guidelines, your total financial assistance (including outside resources) cannot exceed cost of attendance.  Need-based aid may include Federal Work-Study, Federal Perkins loans, Subsidized Federal Direct loan, and need-based federal, state, and institutional grants and scholarships.  Outside resources may include Goucher tuition remission, employer tuition benefits, and private, state, and Goucher scholarships.

Goucher is not always able provide enough financial assistance to meet every student’s full financial need.  All students who complete the FAFSA and meet eligibility requirements are able to borrow an Unsubsidized Federal Direct Student loan (not need-based).  In addition, students may consider other financing options such as a Private Educational loan or payment plan to assist with the cost of a Goucher education.

Financial Aid Application Process

Goucher requires all students who wish to be considered for need-based financial assistance to complete the CSS PROFILE and the Free Application for Federal Student Aid (FAFSA) by the priority filing deadline (see chart below).  Some students may be required to submit additional documents such as the CSS Noncustodial Parent PROFILE, the CSS Business/Farm Supplement, an IRS Tax Transcript, citizenship documents, etc.

File the FAFSA online at www.fafsa.gov.  Goucher’s Federal code is 002073. 

File the CSS PROFILE online at https://profileonline.collegeboard.com.   Goucher’s CSS code is 5257.

NOTE:  MD residents must file the FAFSA by March 1 for Maryland state aid consideration.

Students can track the status of required documents on Goucher’s Financial Aid Student Tracking System (FASTS) at www.goucher.edu/fasts.

Priority Filing Deadline Chart

Financial Aid Programs

NEED-BASED GRANTS AND SCHOLARSHIPS
Please note that the availability of federal funds is based on appropriations from Congress and is subject to change.

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 maximum amount for the Federal Pell Grant award for 2013-2014 is $5,645. The amount of Federal Pell Grant funds you may receive over your lifetime is limited to be the equivalent of six years of Pell Grant funding.

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.

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 that you must 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.

GOUCHER GRANT

The Goucher Grant is a need-based grant awarded to undergraduate students with demonstrated financial need.  Full-time enrollment is required to receive a Goucher Grant.  The grant is limited to eight semesters.

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.

GOUCHER COLLEGE MERIT-BASED SCHOLARSHIPS

The John Franklin Goucher, Trustee, Presidential, Dean’s, Alumni and Global Citizens are merit-based scholarships available to incoming students.  The Goucher Admissions Office determines eligibility for merit-based scholarships based on GPA and SAT or ACT scores.  No separate application is required.  Merit-based scholarships are renewable for all four years at Goucher (eight semesters) provided you maintain the required grade point average at Goucher.

Financial need is not a factor in determining eligibility for merit-based awards.  However, merit-based awards are counted as a resource when need-based aid (including institutional grant) eligibility is determined.  Students who only wish to be considered for merit-based scholarships do not need to complete the CSS PROFILE or the FAFSA.  More information about Goucher College merit-based scholarships can be found on the web at www.goucher.edu/admissions.

STUDENT LOAN PROGRAMS

Loans are available to students and parents.  Loans must be repaid.

FEDERAL DIRECT LOAN PROGRAMS

Federal Direct Loans are made 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 for an Unsubsidized Federal Direct Loan.  First time borrowers are required to complete Entrance Loan Counseling and a Master Promissory Note.  Both must be completed online at www.studentloans.gov.   A 1.051 percent origination fee (subject to change by Congress) is deducted from the loan proceeds upon disbursement.  More information regarding Federal Direct Loans may be found at http://studentaid.ed.gov/types/loans.

SUBSIDIZED FEDERAL DIRECT LOAN

The fixed interest rate is 6.8% (subject to change by Congress) for loans disbursed on or after July 1, 2013.  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).  The standard repayment period is 10 years.

Beginning with new Direct Loan borrowers on or after July 1, 2013, a student may only receive a subsidized loan for 150% of the published length of the academic program enrolled.

UNSUBSIDIZED FEDERAL DIRECT LOAN

The fixed interest rate is 6.8% (subject to change by Congress).  The student is responsible for the interest from the date of disbursement.  The interest payments can be deferred while the student is in school.  Repayment begins 6 months after the student graduates, leaves school or falls below half-time status (6 credits).  The standard repayment period is 10 years.

ANNUAL BORROWING LIMITS FOR DEPENDENT STUDENTS

                                                                                                                                Subsidized and Unsubsidized
                                                                                                                                      Grade Level Maximum
Freshman (0-26.99 credits)                                                                                                                $ 5,500

            Sophomore (27-56.99 credits)                                                                                      $ 6,500

Junior/Senior (57+ credits)                                                                                            $ 7,500

An additional Unsubsidized Federal Direct loan is available to dependent students whose parent applies for a Federal Direct PLUS and is denied.  For freshmen and sophomores the additional amount is $4,000 per year; $5,000 per year for juniors and seniors.

ANNUAL BORROWING LIMITS FOR INDEPENDENT STUDENT

                                  Subsidized                                 Subsidized and Unsubsidized

Grade Level   Maximum                                     Combined Maximum

Freshman                                                                    $3,500                                                       $ 9,500

Sophomore                                                                 $4,500                                                       $10,500

Junior/Senior                                                               $5,500                                                        $12,500

LIFETIME BORROWING LIMITS: MAXIMUM

                                                                                                                                                                                                                                          Subsidized and Unsubsidized

                                                                           Combined Maximum

              Dependent*                                                  $23,000                                            

              Independent                                                 $46,000                                                                                                          

*Dependent students may borrow up to $46,000 if parents are denied a PLUS loan.

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).

Tips on Borrowing

Your award notification lists the maximum amount you are eligible to borrow.  Borrow only what you need to cover your educational and living expenses for the academic year.  If you choose to borrow less than the amount you are offered, you must notify the Office of Student Financial Aid, in writing, of the amount you wish to borrow. 

Please remember to:

• Set a realistic budget and stick to it.
• Exhaust all alternatives before borrowing.
• Borrow what you need for the year, not the semester.
• Understand your rights and responsibilites as a loan borrower.
• Keep records of all correspondence with your loan servicer.
• Contact your loan servicer about your options if you cannot make a payment.

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STUDENT 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.  The maximum FWS award is $1200.  For consideration, students must meet the priority filing deadline.  FWS award amounts are NOT deducted from the student’s bill.  Instead, students receive biweekly paychecks for hours worked.  Earnings do not have to be repaid but they are considered taxable. 

Hourly wages begin at minimum wage (currently $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.

Jobs are not assigned to students and on-campus positions are limited, thus Goucher does not guarantee jobs on campus.  Students are encouraged to attend the annual Student Job Fair held at the beginning of the fall semester to assist with finding employment opportunities.  Information about on-campus jobs is also available throughout the year on the web at www.goucher.edu/studentjobs or in the Career Development Office (CDO).   

INSTITUTIONAL WORK

Students may work on campus regardless of their eligibility for Federal Work-Study.  The Career Development Office (CDO), located in the Dorsey Center, has a website that serves as the central source for all student employment opportunities available at www.goucher.edu/cdo.

OUTSIDE SCHOLARSHIPS

Outside scholarships provide an additional source of funding for students.  Students are encouraged to research and apply for outside sources of funding.  Begin by contacting your high school, civic, professional or religious organizations to which you or a parent may belong.  Goucher also maintains a list of outside scholarships on our website at www.goucher.edu/x23505.xml.

Students should never pay a fee for a scholarship search.  If in doubt about the integrity of an agency, check it out first with the Better Business Bureau.  There are a variety of free scholarship search engines which provide reliable and accurate information, including but not limited to the College Board’s Scholarship Search (https://bigfuture.collegeboard.org/scholarship-search), Fast Web Scholarship Search (www.fastweb.com), the U.S. Department of Education’s Federal Student Aid on the Web (http://studentaid.ed.gov/types/grants-scholarships/finding-scholarships).

Students must report all outside scholarships that you expect to receive to the Office of Student Financial Services when you become aware of them.  New students are able to report outside scholarships to the financial aid office electronically by completing the Outside Scholarship Notification for available on the New Student Portal.  The form is also available on myGoucher for new and returning students.  Your financial aid award will be reviewed and may be adjusted according to institutional policies and federal regulations.  You will be notified of any adjustments.  Total financial aid, including outside scholarships, cannot exceed the cost of attendance

Outside scholarships include (but are not limited to):   Goucher tuition waivers/remission, other employer tuition benefits, merit-based state (non-Maryland) scholarships, and scholarships from private organizations.  ROTC and Tuition Exchange are not considered outside scholarships.  (Receipt of ROTC or Tuition Exchange will result in a direct reduction of the Goucher Grant.)

AWARD NOTIFICATION

FINANCIAL AID AWARD

New admitted students will receive their initial financial aid award at the time of admission or upon completion of the required financial aid documents.  In mid-June, returning undergraduates receive an email notification that their financial aid award for the upcoming academic year is available to view on FASTS.  All students are notified via email when a revision to the financial aid award has occurred.

Initial awards are based on the assumption of full-time enrollment for the fall and spring semesters.  In addition the housing status (as answered on the FAFSA) is used to determine cost of attendance.  The amount and type of aid you are offered is based on financial need and the availability of funds.  Priority consideration for institutional funds and Federal Work-Study is given to students who file the FAFSA and CSS Profile by the priority filing date.

FINANCIAL AID STUDENT TRACKING SYSTEM (FASTS)

Students may track the status of their financial aid documents, review their financial aid award, view any messages associated with their award, and accept or decline financial aid online through Goucher’s FASTS website, www.goucher.edu/fasts.  All first-time users must create a personal identification number (PIN) using the first-time users’ link.  After a PIN has been created, users will be prompted to enter the assigned Goucher ID and PIN.

ADDITIONAL FINANCIAL ASSISTANCE/FINANCING OPTIONS

Even with our best efforts, families sometimes need additional financial support.  To calculate your estimated payment, you may access the undergraduate cost calculator located at www.goucher.edu/billing.

FEDERAL DIRECT PLUS LOAN

Parents of dependent students enrolled at least half-time are eligible for Federal Direct PLUS Loans.  Parent(s) may borrow the full cost of attendance minus any financial aid annually.

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

The Federal Direct PLUS Loan fixed interest rate is 7.9% (subject to change by Congress).  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.  A 4.204 percent origination fee (subject to change by Congress) 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 deferral.  Deferrals may be requested during the period the student on whose behalf the loan was borrowed is enrolled at least half-time.  Deferrals 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 an adverse credit history, the parent may appeal the denial with the Federal Direct Loan Origination Center or reapply with a credit-worthy endorser.  Additional information may be found at http://studentaid.ed.gov/types/loans/plus.

PRIVATE EDUCATIONAL LOANS

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. 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. 

The interest rate, terms, and repayment options of these private educational loans vary according to the lender.  For this reason, students are encouraged to thoroughly research private educational loans and clearly understand the terms of the loan prior to borrowing.  Student Lending Analytics, an independent research and advisory firm, offers a loan comparison tool which may be helpful.  Additional information may be found at http://www.goucher.edu/financial-aid/loans.

Many states, including Alaska, Connecticut, Maine, Massachusetts, Minnesota, New Jersey, New York, North Carolina, North Dakota, Rhode Island, Texas, and Vermont, have their own private educational loan programs.  We recommend that students and parents check with their state higher education agencies about the availability of loans in these states.

MONTHLY PAYMENT PLAN

Goucher participates in a monthly tuition payment plan through a third-party servicer.  Families can spread payments over 10 or 9 months (annual plan) or 5 months (semester plan).  For more information, visit www.goucher.edu/billing.

HIGHER EDUCATION TAX BENEFITS

There are many credits and deductions available for educational expenses and student loan payments.  The following are available for tax year 2012:

• The American opportunity credit

• The lifetime learning credit

• Student loan interest deduction

• Tax-free treatment of a canceled student loan

• Tax-free student loan repayment assistance

• Tuition and fees deduction

More information about tax benefits can be found at http://www.irs.gov/publications/p970/ar01.html.   Consult a tax adviser for more information and advice on your eligibility for Higher Education Tax Benefits.

RECEIVING YOUR AID

GRANTS, SCHOLARSHIPS, AND LOANS

Grants, scholarships and loan funds disburse directly to your student account at the start of each semester if you have accepted the awards on FASTS, are enrolled in the required number of credits and all required forms have been received and processed.  Financial aid awards are revised after the end of the add/drop period for students who are no longer enrolled full-time. Outside scholarships and resources will be applied to the student account upon receipt of the check or electronic funds transfer (EFT) to Goucher. 

FEDERAL WORK-STUDY (FWS) AWARDS

Federal Work-Study does not disburse to your student account.  Students are paid biweekly for the hours worked.

STATEMENT OF ACCOUNT

The Billing Office provides online access only to students’ billing statements, as paper statements are no longer being issued.  Students and their authorized billing parties will be emailed each month that their current billing statement is available online, unless there is a zero balance.  Parent(s) and other billing parties will be emailed notification when a new billing statement is available for viewing if their student has granted them access to their E-billing.  Students can grant access through their myGoucher account.  For more information on E-Billing, granting access, and online payments visit the Billing website at www.goucher.edu/billing.

The first statement of account for each semester will display financial aid applied to your student account as anticipated aid.  Anticipated aid is replaced with actual financial aid at the beginning of each semester if the awarded aid has been accepted on FASTS and all required financial aid documents have been received and processed.   Private scholarships, tuition benefits, and other aid from outside sources, are applied to the student account upon receipt of a check or electronic funds transfers (EFT).  Fall semester statements are available in early July with a payment due date of early August (see statement for specific dates).  Spring semester statements are available in early December with a payment due date of early January (see statement for specific dates).  Detailed billing information is available on the billing website.   Specific billing questions should be emailed to billing@goucher.edu.

REMAINING CHARGES AND FINANCIAL AID REFUNDS

Any remaining charges after all financial aid is applied must be paid by the billing statement due date.  The Billing Office can send a refund to students or parents (if credit is the result of a PLUS disbursement) after the add/drop period when the account has a credit balance and upon completion of a refund request form, available at www.goucher.edu/billing.  Refunds may also be applied to the Goucher One Card.

RETAINING YOUR FINANCIAL AID AWARDS

MAINTAINING REQUIRED ENROLLMENT

To retain each type of award, you must maintain enrollment for the required number of credits with regular or pass/fail grading options through the end of the add/drop period.  Dropped, audited, wait-listed, and retroactively dropped courses cannot be counted toward required enrollment.

To be eligible for the Goucher Grant, MD Rawlings Educational Assistance Grant, MD Rawlings Guaranteed Access Grant, MD Senatorial Scholarship*, and MD Delegate Scholarship* you must be enrolled full-time (12 credits).  The minimum enrollment required for the MD Part-Time Grant, Federal Supplemental Opportunity Grant, Federal Direct Loans, Federal Perkins Loan, Federal Work Study, and Federal Direct PLUS Loan is 6 credits. 

* The Maryland Senatorial and Delegate Scholarships may be received for part-time enrollment (6-11 credits) with                 special permission from the Maryland Higher Education Commission (MHEC).

The following awards are prorated for part-time enrollment:

SECOND SEVEN WEEKS CLASSES

If full-time enrollment is dependent on courses registered in the second seven weeks, loan funds will not be disbursed until after the start of that session.  If for any reason courses are dropped, aid for the entire semester will be adjusted.  More information about policies regarding enrollment in second seven week courses may be found in the Return to Title IV Policy on the web at www.goucher.edu/financialaid.

WITHDRAWING, DROPPING, CANCELING, OR AUDITING CLASSES

It is extremely important that you speak with the Office of Student Financial Aid before reducing your enrollment or changing your course-grading options to audit.  Your awards will be canceled or reduced if you fail to maintain the required enrollment.  Courses that are audited, canceled, dropped, or retroactively dropped do not count toward required enrollment levels. 

RETURN OF TITLE IV FUNDS

When a student withdraws, drops out, is dismissed or suspended, or takes a leave of absence before completing over 60% of the semester, Goucher must determine the withdrawal date and the amount the Federal Title IV aid 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 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.  The complete Return to Title IV policy is available on the web at http://www.goucher.edu/financial-aid/return-of-title-iv-funds.

SATISFACTORY ACADEMIC PROGRESS (SAP)

Students must maintain SAP in order to be eligible for student financial aid.  The SAP policy defines minimum standards for grade point average, ratio of completed credits to attempted credits, and maximum time frame for completing a degree.  SAP is reviewed at the end of each semester.   Students who are not meeting SAP standards are notified in writing.  The complete SAP policy is published in the Academic Catalogue or online at http://www.goucher.edu/financial-aid/satisfactory-academic-progress-policy.

ANNUAL REAPPLICATION REQUIREMENT

Students must reapply for federal and institutional need-based financial aid annually by completing the FAFSA and the CSS Profile.  The priority filing date for returning undergraduate students is April 15. 

ALL AWARDS ARE SUBJECT TO CHANGE

All need-based financial aid awards are subject to change.  The most common reasons for aid adjustments are enrollment changes and over-awards due to receipt of aid from outside sources.  Awards may also be adjusted based on verification, receipt of additional financial information, and failure to complete additional requirements, maintain degree-seeking status, make satisfactory academic progress, or comply with other federal or institutional aid regulations.  Merit-based scholarships may be reduced or canceled for failure to maintain grade point average requirements.   

SPECIAL ENROLLMENT OPTIONS

ONE-SEMESTER ATTENDANCE

Eligibility for aid must be re-evaluated if you will attend Goucher for only one semester of an academic year due to graduation, deferment, or other reasons.  Please notify us as soon as possible so the office can promptly make any required adjustments to your financial aid award.

PERMISSION TO ENROLL AT ANOTHER INSTITUTION

It may be possible to take courses at another institution while receiving financial aid from Goucher.  In order to qualify, you must have approval from your academic adviser.  To apply, complete a Consortium Agreement, available from the Office of Student Financial Aid or online at www.goucher.edu/financialaid.  The Consortium Agreement must be signed by the host school and Goucher’s Registrar before it can be submitted to the Office of Student Financial Aid.  If your request is approved, we will disburse limited aid to your account and you will be responsible for paying the tuition at the other school.

STUDY ABROAD

GOUCHER-SPONSORED PROGRAMS

If you participate in a Goucher-sponsored semester program, your financial aid is processed in the same manner as when you study at Goucher.  However, if you choose to study abroad for more than one semester, even if you are participating in Goucher-sponsored programs, your institutional funds are not available for the second semester.

APPROVED NON-GOUCHER-SPONSORED PROGRAMS

If you participate in an approved, non-Goucher-sponsored semester or yearlong study-abroad program, Title IV aid, including the Federal Pell Grant, Federal Direct Loans, and Federal Direct PLUS Loans, will be processed.  Institutional awards, including but not limited to the the John Franklin Goucher, Trustee, Presidential, Dean’s, Alumni and Global Citizens scholarships and the Goucher Grant, are not available.

NON-APPROVED NON-GOUCHER-SPONSORED PROGRAMS

If you participate in a non-approved, non-Goucher-sponsored semester or yearlong study-abroad program, you will need to take a leave of absence and financial aid will not be processed.

For more information about financing study-abroad programs, visit the financial aid website at www.goucher.edu/financialaid or the international study website at www.goucher.edu/goingglobal.

Students who are enrolled in a study-abroad program are responsible for completing the renewal application process for financial aid by the priority filing deadline.

CONSUMER INFORMATION

Per the U.S. Department of Education, Goucher College must provide information about financial aid and its campus, facilities, and student athletes, as well as information to promote campus security and fire safety and prevent drug and alcohol abuse.  Consumer information may be found at http://www.goucher.edu/legal-counsel/legal-information/consumer-information.

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 ’48 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 ’93 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 H. Albert and Jeanne V. Beekhuis ’49 Scholarship Fund
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 1920 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 ’30 Endowed Scholarship

The Charlotte Killmon Wright Brown ’22 Scholarship
The Audrey Wicker Brownley ’36 Scholarship
The Audrey Wicker Brownley ’36 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 ’31 Scholarship
The Constance R. Caplan ’57 Scholarship Fund for Study at Cambridge University

The Kathryn Mueller Caprio ’37 Scholarship Fund

The Charles and Margaret Carmine 1901 Memorial Scholarship
The Mollie Rae Carroll Scholarship
The Alicia Carter ’84 Memorial Scholarship
The Roberta Chesney 1910 Scholarship
The Citicorp Scholarship
The Clara W. Claasen ’25 Scholarship
The Mary Lu Clark ’54 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 P’10 Scholarship Fund

The Rosa and Herman Cohen Scholarship

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 Gertrude and Hilda Cordish ’23 Scholarship Fund
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 ’62 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 FarkasP’66 and Georgette Farkas Ballance ’66 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 Goldsmith Master of Arts in Teaching 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 Charles and Janet Harris ’30 Scholarship Fund
The Isabel Hart Scholarship

The Hearst Foundation Endowed Scholarship Fund

The Hearst Foundation Endowment for the M.Ed. Program
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 1910 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 Alice and Walter Kohn 1907 Scholarship
The Claire Krantz ’51, M.Ed ’68 Scholars in the Five-Year Education Programs
The Joel Krisch 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 1913 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 W. 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 ’68 Memorial Scholarship
The Florence Burgunder Oppenheim 1902 Scholarship

The Miss Otto Scholarship Fund
The Virgina Parker ’28 and Monroe H. Martin Scholarship Fund for Study of Biological or Cultural Conservation
The Fanny Jonas Patz ’27 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 ’43 Scholarship in Dance
The Anne Margaret Potts ’29 Scholarship
The Helen Pracht 1911 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 1898 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 ’21 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 ’41 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

The 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 Margaret Messler Winslow ‘69 Fund for International Education

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