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The Federal Loan Programs to Consolidate Your Debt #loan #forgiveness


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Information on Federal Consolidation Choices

How Direct Consolidation Loans Can Help

The federal government is the nation s primary provider of both student loans and the consolidation loans used to combine existing student loans into one large loan. Since it lacks any profit motive, both original loans and consolidation loans from the government usually have lower interest rates and easier payment terms than loans found in the private market. Rather, its goal is to put as many students through school as affordably as possible, and that includes recommending consolidation loans when appropriate.

Do You Need A Direct Consolidation Loan?

The U. S. Department of Education (USDOE) provides clear, straightforward information on its consolidation loan features, suggesting that anyone considering consolidation first make a thorough review of existing federal loans. If you re not sure which bank services your loans, you can check an online database called the National Student Loan Data System and find all the information about your loans that s been forwarded to the USDOE by your school and whatever companies guarantee and service your loans.

Your first step will be to determine the amount of all your monthly federal loan payments added together. Then multiply that by the number of months until your payoff date to find the total cost of your loans. Do not include private loans, because they cannot be included in federal consolidation.

What Loans Can Be Included In A Direct Consolidation Loan?

Here s a list of eligible loans:

  • Direct Subsidized and Unsubsidized Loans
  • Direct PLUS Loans
  • Perkins Loans
  • Federal Nursing Loans,

and here are the older types of loans that are also included:

  • Stafford Loans, both Subsidized and Unsubsidized
  • Federal Family Education Loan (FFEL) Program PLUS Loans
  • Supplemental Loans for Students (in this case, the proper name of a specific type of federal loan), and
  • Health Education Assistance Loans.

Even some existing consolidation loans can be consolidated again. Note: A student s consolidation cannot include a PLUS loan taken out by a parent to pay for that student s education.

Your second step is to estimate what your monthly payment and total loan cost would be if you consolidated those loans, then compare it to the current amounts. The USDOE has set up an online calculator for this purpose. To confirm the results of your calculation, you can contact the USDOE directly to compare your numbers to the consolidation loan terms the Direct Loan Consolidation Center would offer you.

Am I Eligible For A Direct Consolidation Loan?

Determining your eligibility is step three, and there are four primary requirements for taking out a Direct Consolidation Loan:

  • You must have at least one existing loan through the Direct or FFEL programs.
  • One of your eligible loans must be in either grace or repayment status.
  • If you want to include a defaulted loan, you must make acceptable arrangements to repay it with the company currently servicing the loan. Alternately, you must agree to one of these two repayment plans for your Direct Consolidation Loan: Income-Contingent or Income-Based, about which you can find details here .
  • Rules for including an existing consolidation loan in a new consolidation are probably the most complex aspect of consolidation. Some FFEL Consolidation Loans may be reconsolidated on their own, but usually you must include a new Direct or FFEL loan in the group to be consolidated.

Direct Consolidation Loan Costs

There is no fee to apply, and no prepayment charge for a Direct Consolidation Loan. The loan will have a fixed interest rate, calculated in an interesting way: take the weighted average of the rates on your existing loans and round that number up to the nearest eighth of a percent. In this case, the weight is assigned to each existing loan s interest rate in the same proportion as the amount of the existing loan to your total existing debt.

For example, if you have a $5,000 loan at 5% and a $15,000 loan at 6%, your total indebtedness is $20,000. The weight of the first loan s 5% is 25% compared to 75% for the second loan s 6%, and the weighted average of those two rates is 5.75%. The rate of the new Direct Consolidation Loan is capped at 8.25%.

Repaying Your Direct Consolidation Loan

Your loan servicer will tell you when to start repaying your Direct Consolidation Loan, and repayment must begin within sixty days. Possible lifespans for such a loan vary between ten and thirty years, depending on three factors: the amount of your other debts, the amount of your consolidation loan, and your repayment plan.

There are three possible repayment plans for a Direct Consolidation Loan:

  • The Income-Based Repayment (IBR) plan applies to consolidation loans that do not include Direct or FFEL PLUS loans made to parents.
  • The Pay As You Earn plan, which started in December 2012, is offered for the same loans as the IBR plan, but usually brings a lower monthly payment amount.
  • The Income-Contingent plan can be used for any Direct Consolidation Loan.

Financial Aid Programs – Tuition Information – DeVry #payday #loan #online


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Financial Aid Programs And Tuition

Affordable Education is Our Goal

You work hard for your degree. We work harder to make it affordable. DeVry offers millions in merit and need-based scholarships, grants and other forms of assistance to qualifying students.

A VARIETY OF WAYS TO MANAGE TUITION COSTS

THE VALUE OF A QUALITY EDUCATION

And Why DeVry Is the Smart Choice

Studies show a college degree can mean a higher salary and lowered unemployment rates. 2 And at DeVry, everything we do is focused on helping you reach your education and career goals. From delivering invaluable flexibility and support while you’re working on your degree to ongoing career assistance after you finish, your future is our priority — for life.

Career Assistance For Life – Throughout your education and your work life, DeVry provides one-on-one career advising to help you reach your goals. Current students have access to online self-service tools, thousands of job listings and the expertise of our Career Advisors — and alumni enjoy that same access for life.

Education On Your Terms – With flexible, year-round class schedules, you can work towards your DeVry degree on campus, online or on the go — when and where it’s most convenient for you.

Support That Matches Your Drive – From day one, you will belong to a caring community of students, faculty, and staff — all committed to helping you make your dreams a reality.

2 How College Shapes Lives: Understanding the Issues. The College Board, 2013, visited July 10, 2014, at http://trends.collegeboard.org/education_pays. p.6. Education Pays 2013: The Benefits of Higher Education for Individuals and Society. The College Board, 2013, visited July 10, 2014, at http://trends.collegeboard.org/education_pays. p. 19.


Loan Forgiveness and Cancellation Programs for Educators #bad #credit #unsecured #loans


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Each year, the U.S. Department of Education announces the low-income schools and teacher shortage areas approved as eligible for loan forgiveness and cancelation for the current school year. This could be important to teachers who have Federal Stafford or Federal Supplemental loans, or Federal Perkins Loans.

At this time we are providing verification letters through the 2014-2015 school year. Requests for verification letters for the 2015-2016 school year should wait until May/June 2016.

Loan Forgiveness

  • Teacher Loan Forgiveness is available for teachers who have Direct Subsidized Loans, Direct Unsubsidized Loans, Subsidized Federal Stafford Loans, and Unsubsidized Federal Stafford Loans.
  • Information on the federal loan forgiveness program is available at Federal Student Aid Information from the U.S. Department of Education .
  • The Wisconsin low-income schools identified by the U.S. Department of Education are listed in the Annual Directory of Designated Low Income-Schools .

Loan Cancellation

  • Teacher Loan Cancellation is available for teachers who have Federal Perkins Loans.
  • Information on the federal loan cancellation program is available at Federal Student Aid Information from the U.S. Department of Education .
  • The Wisconsin low-income schools identified by the U.S. Department of Education are listed in the Annual Directory of Designated Low Income-Schools .
  • The nationwide listing of teacher shortage areas is posted in the: U.S. Department of Education’s Office of Postsecondary Education .
  • The teacher shortage areas designated by Wisconsin for the 2010-2011, 2011-2012, 2012-2013, 2013-2014, and 2014-2015 school years are:

o    Standard Areas: English as a Second Language (ESL)/Bilingual, Sciences, Library Media, Mathematics, Music, Reading, Foreign Languages

o    Special Education: Cognitive Disabilities, Cross Categorical, Deaf and Hard of Hearing, Early Childhood-Special Education, Emotional and Behavioral Disorders, Learning Disabilities, School Speech and Language Disabilities, Visual Disabilities

o    Career and Technical Education: Business Education, Family and Consumer Education, Technology Education

Note: Federal Stafford/Supplemental Loans for Students (SLS) borrowers who have questions concerning their loans, including the teacher shortage area deferment should contact the Federal Student Aid Hotline at 1-800-4FED-AID.

Applying for Loan Forgiveness or Cancellation

To apply for the loan forgiveness or cancellation option, an educator must:

  1. Contact your loan agency and request that they send you an “Education Related Deferment Request Form.” Fill out the form and then have your employing administrator sign Section 4 – Authorized Official’s Certification to verify your employment.
  2. Contact the DPI Educator Licensing office to request a verification letter stating that you:
    1. Hold a license in a subject shortage area for the current school year; OR
    2. Hold a license and are teaching in a low-income school building for the present school term.
    3. Include the following information with your request:
      • Your DPI Entity Number
      • Your current mailing address
      • If you are requesting verification after the 2013-2014 school year, you must include an employment verification form, signed by your district. The form that needs to be included can be found at http://tepdl.dpi.wi.gov/sites/default/files/imce/forms/pdf/pod1613.pdf .

How soon may I request the verification letter for the next school year?

The U.S. Department of Education generally approves and provides the teacher subject shortage categories and the list of low-income school buildings around May for that particular school year (e.g. in May 2015 for the 2014-15 school year). Request the verification letter after the shortage areas and low income schools are announced. If you have applied for a teaching license, you must wait until you have actually received your license before requesting a verification letter.


Programs for Military – Student Loan Borrowers Assistance #student #loan #rate


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Programs for Military

Post 9/11 G.I. Bill

The “Post 9/11 G.I. Bill” is one of the student aid programs for military service members.  This program provides significant new educational benefits for service members on active duty and after active duty. Military service members who have served an aggregate of at least 90 days on active duty in the Armed Forces are eligible. The benefit amounts vary depending on the amount of service. Those who serve for 36 months are eligible for 100% of benefits.

Service must have occurred on or after September 11, 2001. Service members who are serving on active duty are eligible as well as those who completed their service or were discharged or released. Only certain types of discharges and releases qualify, including honorable discharges or discharges or releases for certain medical conditions or hardships. Those still on active duty may be better served using the existing benefits. You should check with the Department of Veterans Affairs for more information .  The V.A. also has a G.I. Bill feedback system if you have questions or concerns.

In order to qualify, students must be pursuing an approved program of education as defined in the law. Benefit amounts are equal to the charges for the program of education, except that the amount may not exceed the maximum amount charged for in-state undergraduate students in the state where the student is enrolled. Students may receive money not only for tuition, but in many cases for housing, books and supplies, and possibly even a relocation payment. In certain situations, this benefit may be transferred to the service member’s spouse and one or more children.

The time period to use these benefits expires at the end of the 15 year period beginning on the date of the last discharge or release from active duty.

Limits on Interest Accrual

The Higher Education Act prohibits interest accrual while eligible military service members are serving on active duty during a war, military mobilization, or national emergency. This benefit applies only to Direct loan borrowers and only for loans first disbursed on or after October 1, 2008. Borrowers with FFEL loans may consolidate into the Direct Loan program to take advantage of this benefit.

Military Service Deferment

This deferment is available in all three loan programs, FFEL, Direct and Perkins. It is available to military service members on active duty during a war, other military operation or national emergency, members of the National Guard called to active duty during a war, military operation or national emergency and reserve or retired members of the Armed Forces called to active duty during a war, military operation or national emergency.

This deferment may be granted based on a request from the borrower or the borrower’s representative. Borrowers or their representatives must submit a deferment form signed by an authorized official. Alternatively, the borrower may submit a copy of military orders or a statement from a commanding or personnel officer proving that the borrower is serving on active duty during a war, military mobilization, or national emergency.

There is no time limit on the military deferment. (The previous three year time limit was eliminated in 2007). The eligibility period ends 180 days after the borrower is demobilized from active duty service.

Some borrowers called to active duty will not be eligible for military deferments.  To help address this gap, there is a mandatory forbearance available to National Guard members who qualify for the post-active duty deferment (see below). but do not qualify for a military or other deferment.

Active Duty Student Deferment

This should be called “Post-Active Duty Deferment” because it is for borrowers who are enrolled in school when they are called to active duty and plan to re-enroll after they have completed their service.

This deferment is available in all three loan programs, FFEL, Direct and Perkins. Eligible borrowers include members of the National Guard and reserve or retired members of the Armed Forces called to active duty at the time, or within six months prior to the time, that they were enrolled in school. These borrowers may receive a deferment for up to 13 months following completion of active duty military service and any applicable grace period.  The period expires at the earlier of a borrower’s re-enrollment in school or the end of the 13 month period.

Similar to the military service deferment, the borrower must be on active duty to qualify for this deferment. But unlike the military service deferment, activation during a war or other military operation or national emergency is not required.

The deferments page of this site contains more information about the range of deferment options for all borrowers.

Additional Options for Active Duty Military Service Members and Certain Civilians

These additional options are available to members of the national guard called to active duty, reserve or retired members of the Armed Forces called to active duty, active duty members of the Armed Forces who are reassigned and certain civilians. The active duty service must be in connection with a war, military operation or national emergency. Eligible civilians are those who reside or are employed in an area that is declared a disaster area by any federal, state or local official in connection with a national emergency or who suffered direct economic hardship as a direct result of a war, other military operation or national emergency.

There are a number of ways in which schools and financial aid officers may assist these borrowers, including:

Key Loan-Related Provisions:

Grace Periods

Initial grace periods can be extended for up to three years.

In-school Deferments

Forbearance

The three year limit on Perkins forbearances is eliminated for these borrowers. In addition, they are entitled to forbearances for up to one year without having to provide documentation or to sign a written agreement. These forbearances can be granted based on the borrower’s written or oral request or the request of a family member or other reliable source.

Loan holders are required to engage in certain collection actions once a borrower is delinquent or in default. These requirements are waived for qualified service members and civilians as long as they (or a family member or reliable source) inform the loan holder of their service.

Cancellation

Some of the job-related cancellations require borrowers to work in a certain career field for a specific length of time. This requirement is waived for affected individuals if the reason for the interruption is related to the borrower’s service.   There are federal loan cancellations tied to military service available in the Perkins loan program .  Military service is also considered public service for purposes of the Direct Loan public service cancellation .

Rehabilitation

To successfully rehabilitate a loan, a borrower must make nine consecutive reasonable and affordable payments during a ten month period. An interruption in this consecutive period is allowed for qualifying military service members or affected civilians. These borrowers may resume their rehabilitation payments after their service is completed.

Consolidation of Defaulted Loans

Direct Loan borrowers in default may consolidate their loans if they either make three affordable monthly payments or agree to repay under the Income Contingent repayment or Income based plans. An interruption in this consecutive period is allowed for qualifying military service members or affected civilians. These borrowers may resume their payments after their service is completed.

Some states also have programs to help active duty military so that they may take leaves of absence from school without penalty. Some states also require schools to provide refunds or tuition credits to service members called to duty.

Servicemember Civil Relief Act

Some rights available under the Servicemember Civil Relief Act are also relevant. Any individual on active duty is entitled to the benefits, whether or not they are stationed in a war zone. Important rights include:

  1. Creditors must reduce the interest rates to 6% on an obligation incurred by a servicemember before active duty. The reduction lasts as long as the servicemember is on active duty. These protections apply to student loans, as well as to most other types of debt, including car loans, mortgages, credit cards and business debts. Any interest reduced as a result of this law should be forgiven, not just deferred.  For federal student loans, the 6% interest reduction only applies to borrowers in military service as of August 14, 2008.  According to the Department of Education, borrowers may not receive a refund of interest paid in excess of the 6% limit before August 14, 2008.   The Department announced in August 2014  that it will now apply the interest rate limitation to accounts of eligible borrowers without a request from the borrower.  FFEL lenders and servicers are authorized and encouraged to do the same.
  2. The Act gives relief to servicemembers facing collection actions .

In October 2012, the Consumer Financial Protection Bureau (CFPB) issued a report about problems with student loan servicing for military service members.  The CFPB also has a guide  for servicemembers with student loans.


Graduate Loan Programs – Gonzaga University #home #mortgage #rates


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Graduate Loan Programs

What type of Loans are you looking for?

Unsubsidized Federal Direct Loans

In 2012 the Federal Government has passed legislation that ended the subsidized Stafford Direct loan for Graduate students.

Most Gonzaga students borrow directly from the Department of Education under the Federal Direct Loan Program. Your Federal Direct Loans can be managed at www.studentloans.gov. Eligibility for the unsubsidized Stafford is not contingent upon financial need; thus, the borrower is responsible for interest that accrues on the loan while in school. To qualify for the loan, the FAFSA must be renewed each year.

Students are eligible to borrow $20,500 through the academic year (September-August). If a student borrows up to the $20,500 limit during the Fall and Spring semesters, they will not be eligible for the Federal Direct Loan options during the summer term. In this scenario, the only loans available to students would be through a Graduate PLUS loan or an alternative loan through a bank or credit union.

  • DISBURSEMENT: : The total amount of the Stafford Loan is disbursed in two increments within the academic year for on-campus students: one half at the beginning of the Fall term, and one half at the beginning of the Spring term. For online student and for some specific on-campus programs, the loan amount will be set to disburse in three disbursements: Fall, spring and summer terms. If a student will not be attending during the summer, that disbursement will be canceled.
  • INTEREST: 5.84% (for loans disbursed after July 1, 2015)
  • FEES: Up to 1.073% of the total amount of a Stafford Direct Loan is assessed in loan fees and is retained by the lending institution.
  • REPAYMENT: Loan repayment begins six months after the student graduates or ceases to be enrolled at least half-time. There are several repayment plan options available to you.
  • AGGREGATE LIMIT: Graduate student lifetime limit for the direct loan program is $138,500.

All students borrowing a Direct Loan program must sign a Master Promissory Note (MPN) through the Direct Loan program, and complete entrance counseling. These steps are required once during your time at Gonzaga. The MPN and entrance counseling can be completed online at www.StudentLoans.gov . You will need your FAFSA PIN to log into the site.

Students leaving Gonzaga will be required to complete Exit Counseling on the loans they receive while attending Gonzaga. This can be done online at www.NSLDS.ed.gov.

Federal Graduate Plus Loan Program

The Federal Graduate PLUS Loan Program allows graduate students to borrow long-term, low-interest funds to help meet education expenses. Students must show an absence of negative credit history to qualify for this loan. The maximum PLUS loan amount is calculated by subtracting the total aid awarded to the student from the cost of attendance. To request the PLUS loan, please visit www.StudentLoans.gov .

  • INTEREST: Fixed at 6.84% (for loans disbursed after July 1, 2015; otherwise, 7.21%).
  • FEES: Up to 4.272% of the total amount of a PLUS Loan is assessed in loan fees and is retained by the lending institution (for loans disbursed after Oct. 1, 2015; otherwise 4.292%).
  • REPAYMENT: Each PLUS loan is treated separately and repayment will begin within 60 days after all funds are disbursed each year.

Private (Alternative) Loans

Numerous banks offer private educational loan programs to further assist students with college expenses. All private educational loan programs are based on creditworthiness. These loans may require a credit-worthy cosigner for approval of loans.

To help you with a private lender search, Gonzaga has compiled a comprehensive list of lenders. Each of these lenders has disbursed at least one private loan to Gonzaga University students within the last three academic years. You may select ANY lender you wish (whether it is on the list or not) without penalty. Please contact Gonzaga with any questions you may have about federal or private loan processes.

Your lender may offer a type of private educational loan through their website that does not require school certification. Borrowing this type of private educational loan may have a serious negative impact on your existing financial aid package. Please contact your financial aid counselor before borrowing one of these loans.

Lenders that have helped Gonzaga students in the last three years:


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Religious Freedom Project Graduate Summer Research Fellowship

Chateaubriand Fellowship Program

About the Chateaubriand Fellowship Program

The Chateaubriand Fellowship is a grant offered by the Embassy of France in the United States. It supports outstanding Ph.D. students from American universities who wish to conduct research in France for a period ranging from 4 to 9 months. Chateaubriand fellows are selected through a merit-based competition, through a collaborative process involving expert evaluators in both countries.

The program is divided into two subprograms:

2017 Oregon Women’s History Consortium Research Fellowship

The Oregon Women’s History Consortium is awarding two annual research fellowships for 2017: a Junior Research Fellowship and a Senior Research Fellowship. The expansion of our research fellowship is based on the positive response to our initial fellowship award in 2016. Our research fellowship continues the consortium’s long-standing goal of supporting scholarship that will lead to a significant contribution in the field of Oregon women’s history.

The OWHC Research Fellowships are for $1,000 each.The application deadline is November 1, 2016.

Elizabeth Munsterberg Koppitz Child Psychology Graduate Student Fellowship

Kaiser Permanente Northwest Fellowship program – Mitch Greenlick Administrative Fellowship

Mitch Greenlick Administrative Fellowship (in Dental Research and Public Policy)

Kaiser Permanente Northwest Fellowship program

National Academy of Education/Spencer Dissertation Fellowship Program in Education Research

The NAEd/Spencer Dissertation Fellowship Program seeks to encourage a new generation of scholars from a wide range of disciplines and professional fields to undertake research relevant to the improvement of education. These $27,500 fellowships support individuals whose dissertations show potential for bringing fresh and constructive perspectives to the history, theory, or practice of formal or informal education anywhere in the world. Fellows will also attend professional development retreats and receive mentorship from NAEd members and other senior scholars in their field.

American-Scandinavian Foundation (ASF) Fellowships and Grants

The American-Scandinavian Foundation (ASF) is pleased to announce that we are now accepting applications for our Fellowships and Grants program for the 2017/18 academic year. We appreciate you notifying qualified candidates about our program.


Symbiosis Skills Open University, SSOU #symbiosis,ssou,ssou #pune,symbiosis #skills #and #open #university,mba,mba #programs,executive #mba,bba,btech,bba #from #symbiosis,btech #from #symbiosis,distance #learning,distance #education #


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About Symbiosis

Symbiosis was started in 1971, by visionary educationist Padma Bhushan Dr. Shantaram Balwant Mujumdar mainly as a ‘home away from home’ for foreign students studying in Pune. Since its inception, Symbiosis has grown into a large education group with schools and colleges spread across 20 campuses. Symbiosis has thousands of students from all across India and 80 countries studying in various on-campus programs. Read More

About Symbiosis Skills Open University: Skilling The Nation

Taking the mission of Skill India forward, Symbiosis Open Education Society announced the establishment of Maharashtra’s first Skill Development University called the Symbiosis Skills and Open University at Kiwale, Pune. The University was enacted through a bill passed by State Legislation on 3rd May 2017.

Chancellor s Message

INDIA IS PASSING THROUGH A HISTORIC PERIOD CALLED DEMOGRAPHIC DIVIDEND. We must provide skills to our youth to enable our country to reap its benefits. In order to achieve this, our Hon’ble Prime Minister has given us a clarion call “Skill India” and Symbiosis has taken a lead by establishing India’s first residential Skill Development University.

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About Symbiosis

Symbiosis was started in 1971, by visionary educationist Padma Bhushan Dr. Shantaram Balwant Mujumdar mainly as a ‘home away from home’ for foreign students studying in Pune. Since its inception, Symbiosis has grown into a large education group with schools and colleges spread across 20 campuses. Symbiosis has thousands of students from all across India and 80 countries studying in various on-campus programs. Read More

About Symbiosis Skills Open University: Skilling The Nation

Taking the mission of Skill India forward, Symbiosis Open Education Society announced the establishment of Maharashtra’s first Skill Development University called the Symbiosis Skills and Open University at Kiwale, Pune. The University was enacted through a bill passed by State Legislation on 3rd May 2017.

Chancellor s Message

INDIA IS PASSING THROUGH A HISTORIC PERIOD CALLED DEMOGRAPHIC DIVIDEND. We must provide skills to our youth to enable our country to reap its benefits. In order to achieve this, our Hon’ble Prime Minister has given us a clarion call “Skill India” and Symbiosis has taken a lead by establishing India’s first residential Skill Development University.

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Cal Poly is a nationally ranked public university that prides itself on the individual success of its students. Located in San Luis Obispo on California’s sunny Central Coast, Cal Poly gives students an unparalleled college experience as well as industry connections in both the Bay Area and Southern California. Cal Poly is consistently recognized as one of the nation’s best values for graduates return on investment.

Cal Poly is driven by its core philosophy of Learn by Doing — a powerful combination of academic expertise and hands-on experience. At Cal Poly, most classes are taught by professors in small classrooms, not packed lecture halls, and from their first moments on campus, most students are challenged to put what they learn into practice in a real-world setting.

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Summer Undergraduate Research Fellowship (SURF): Graduate School – UT Southwestern, Dallas, Texas #university #of #dallas #graduate #programs


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Summer Undergraduate Research Fellowship (SURF)

The Summer Undergraduate Research Fellowship (SURF) Program at UT Southwestern’s Graduate School of Biomedical Sciences is an intensive summer research training experience designed for college students who are preparing for Ph.D. or M.D./Ph.D. careers in biomedical research. Fellows spend 10 weeks (beginning in early June and ending mid-August) pursuing individual research projects in the laboratories of Graduate School faculty members.

Fellows gain experience in modern research techniques and plan and execute an experimental strategy to answer a scientific question. SURF introduces students to the kinds of projects encountered during postgraduate research training and fosters an understanding of the planning, discipline, and teamwork involved in the pursuit of answers to current questions in the biological sciences. At the end of the SURF Program, fellows present their research during a poster session.

In addition to laboratory research, fellows attend weekly seminars given by UT Southwestern faculty members. Informal discussions about careers in science and graduate training are also scheduled.

Approximately 85 fellows participate in the summer research program. Fellows are assigned to a laboratory and research project according to their previous training and research interests.

Research areas include:

  • Biological Chemistry
  • Biomedical Engineering
  • Biophysics
  • Cancer Biology
  • Cell Biology
  • Chemistry
  • Developmental Biology
  • Genetics
  • Immunology
  • Integrative Biology
  • Mechanisms of Disease
  • Molecular Biology
  • Microbiology
  • Neuroscience
  • Pharmacology

Natural and biological sciences majors who have an interest in cancer intervention and prevention discoveries should apply to the SURF-Cancer Program.

Physical science, mathematics, biomedical engineering, and chemistry majors should consider the Quantitative and Physical Sciences Summer Undergraduate Fellowship (QP-SURF) Program or the QP-SURF Chemistry Program.

Eligibility for SURF

Applicants must be enrolled in an undergraduate science degree program and have completed their sophomore year. Applicants must also be U.S. citizens or possess an F1 visa.

Criteria used in selection of fellowship recipients include:

  • College grades
  • Relevant experience
  • Letters of recommendation from faculty who can assess the applicant’s potential for advanced training and success in biological research
  • Career goals include pursuing Ph.D. or M.D./Ph.D. degree

Stipend

The stipend for the 10-week program is $4,000. This support is taxable. Details on local living accommodations will be provided when fellows are notified of their acceptance. If a fellow requires housing, then the costs will be covered by SURF; however, fellows are responsible for paying for their own travel expenses.

How to Apply for SURF

To apply for SURF, please complete the online application. Within the application, you will need to upload your transcripts (official or unofficial) from each college you have attended.

We also require two letters of recommendation, which can come from mentors, teachers, employers, or advisers. Letters should discuss the applicant’s scientific and intellectual abilities, previous training and experience, and potential for a career in research.

Our preferred method of submission of letters of recommendation is electronic submission. More information on this process is included within the application.

If an electronic submission is not possible, the letters may be mailed from the recommender to:

The deadline is February 9.

Housing

Housing needs for SURF students are coordinated through the SURF office. SURF students requiring housing will stay in a local hotel and be transported to and from the UT Southwestern campus daily. SURF participants with family or friends in the Dallas/Fort Worth area should plan to stay with them.

Quick Links

2017 SURF Dates

  • The 2017 SURF program will be held June 5 August 11, 2017.
  • Application Deadline: February 9

Contact Us

For additional information about the SURF Program, contact:


South College – Doctor of Physical Therapy (Hybrid Program) #physical #therapy #doctorate #programs


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Doctor of Physical Therapy (Hybrid Program)

Welcome and thank you for your interest in our innovative and exciting Doctor of Physical Therapy program at South College! Our program and faculty are dedicated to the development of future Doctors of Physical Therapy, ready to meet the demands of clinical practice in the 21 st century with exemplary entry-level skills, who exhibit marked professionalism and who understand the necessity of compassionate patient care.

  • An accelerated, two-year DPT curriculum unique to physical therapy education.
  • 65 weeks of didactic curriculum spread across 5+ academic quarters.
  • 31 weeks of full-time clinical education, comprised of an 8-week experience and a 23-week terminal internship in a variety of clinical settings.
  • A contemporary and evidence-based curriculum powered by the Evidence In Motion (EIM) Learning Academy .
  • A blended-learning program that combines the unparalleled aspects of online learning activities and interactions, hands-on laboratory sessions, and collaborative clinical education experiences.
    • Online, distance-based learning permits students to reside anywhere while completing their didactic (classroom) education.
    • Onsite lab immersion sessions are held quarterly in Knoxville, Tennessee, to develop essential hands-on patient management skills.
    • Clinical education experiences provided nationwide in a standardized, structured, and collaborative manner with highly skilled accomplished Clinical Faculty.
  • Seamless transition into a variety of post-professional residency training programs (orthopaedics, sports, neurorehabilitation, etc.).

If you have any questions regarding the Doctor of Physical Therapy program, do not hesitate to contact us.

Consumer Information. Amounts for tuition, fees, books, and supplies are subject to change. The information included here is estimated for a full-time student.* South College follows the required methodology provided by the Tennessee Higher Education Commission for the reporting of employment information for graduates. This information is compiled on an annual basis and submitted to the Commission by October 15 each year for graduates during the most recently completed reporting year (July 1-June 30). For more detailed information related to the calculation of graduate employment rates, please click here .

Knoxville, Tennessee