Sidney Kimmel Medical College
Welcome! We are delighted to have you attend our Sidney Kimmel Medical College remote interview day. We had hoped that it would have been possible to have you with us here on campus; however, when we learned that this was not possible, our students did not hesitate to meet the challenge. They have worked with the admissions office to create a program that we think will capture the spirit and atmosphere that is uniquely Jefferson. Sidney Kimmel Medical College, at Thomas Jefferson University, is an institution where research, education and patient care come together with empathy and compassion. We firmly believe that Jefferson’s greatest assets are our remarkable student body and our dedicated faculty. Students, faculty and administrators, have worked together to create a program for you that will provide you opportunities to meet both our students and faculty today. Throughout your four years, you will be presented with the opportunities and access to the best clinically balanced medical education. And, equally important, we are convinced that there is no other medical school in America that provides a stronger sense of family among the teachers and students in which you will thrive. Again, welcome to Jefferson and we hope to see you again soon! Sincerely,
Clara A. Callahan, MD The Lillian H. Brent Dean of Students and Admissions Chair, Committee on Admissions T 215-955-4077 clara.callahan@jefferson.edu T 215-955-6983 Jefferson.edu/SKMC SKMC.Admissions@jefferson.edu
Sidney Kimmel Medical College
I N T E RV I E W D AY
Sidney Kimmel Medical College
I N T E R V I E W D AY
2020-2021
AGENDA
D AY
TIME*
TOPIC
Tuesday
5-5:45 p.m.
Wednesday
10 a.m.
PRESENTER(S)
Casey Moffitt Pre-Interview Day Check-In Kathryn Sommer with Hospitality and Engagement Coordinators and Representative from the Office of Diversity and Inclusion
Applicant Check-In via Zoom
Bonnie Emilius, Director of Admissions
10:10-10:25 a.m.
Financial Aid
Susan McFadden, Executive Director, University Financial Aid Office
10:25-10:40 a.m.
Welcome and Applicant Introductions Joshua Lieberman, MS2
10:40-10:50 a.m.
Meet the Dean of Admissions
Clara Callahan, MD, The Lillian H. Brent Dean of Students and Admissions Alisa Losasso, MD, Assistant Dean of Admissions
10:50-11 a.m.
Diversity at Jefferson
Bernard L. Lopez, MD, MS, CPE, Associate Dean for Diversity and Community Engagement; Associate Provost for Diversity and Inclusion Tracy Trice, MD, Assistant Dean for Diversity and Student Diversity Programs; Clinical Assistant Professor
11-11:10 a.m. 11:10 a.m.-12 p.m.
Keynote Speaker
Featured Jefferson Physician
A Student’s Perspective
SKMC Student Admissions Coordinators Curriculum – Jennifer Sachs Extracurricular – Adam Uppendahl Philadelphia – Madalyne Sunday ODII – Student Representative
12-12:15 p.m.
Break Student Interviews
Zoom Link sent to applicants via email
2 p.m.
Faculty Interview
Zoom Link sent to applicants via email
3 p.m.
Virtual Tour of Thomas Jefferson University Center City
SKMC Tour Ambassadors
4 p.m.
Office of Diversity & Inclusion Initiatives Meet and Greet
Colin Yost, Peace Nosa-Omorogiuiwa, Saloni Parikh, Jessica Amoako and Carter Hudson
12:15-12:45 p.m.
*All Times are Eastern Standard Left to Right: Joshua Lieberman: jxl291@jefferson.edu; Casey Moffitt: cmm085@jefferson.edu; Kathryn Sommer: kes050@jefferson.edu; Madalyne Sunday: mas100@jefferson.edu; Jennifer Sachs: jss025@jefferson.edu; Adam Uppendahl: ahu002@jefferson.edu
G E N E R A L I N F O R M AT I O N OFFICE OF ADMISSIONS The Office of Admissions of Sidney Kimmel Medical College is located in the Curtis Building, 1015 Walnut Street, Suite 110. 215-955-6984, fax: 215-503-8877, SKMC.Admissions@jefferson.edu, Jefferson.edu/SKMCAdmissions.
I N F O R M AT I O N F O R A D M I T T E D S T U D E N T S Please visit Jefferson.edu/SKMCAdmittedStudents. (check for updates)
FINANCIAL AID For information concerning financial aid contact the Office of Financial Aid located in the Curtis Building, 1015 Walnut Street, Suite 115 at 215-955-2867, financial.aid@jefferson.edu, Jefferson.edu/financialaid.
UNIVERSITY REGISTRAR Questions relating to your academic scheduling should be directed to the Office of the University Registrar, 1015 Walnut Street, Suite 115, 215-503-8734, university.registrar@jefferson.edu, Jefferson.edu/registrar.
I N T E R N AT I O N A L E XC H A N G E O F F I C E International students please contact Janis Bogen, Director, at 215-503-4335 or janice.bogen@jefferson.edu. Jefferson.edu/international_affairs.
CAMPUS HOUSING Contact the Department of Housing and Residence Life at 215-955-8913 or university.housing@jefferson.edu, Jefferson.edu/university/housing.
S T U D E N T A F FA I R S The Office of Student Affairs, providing student support and career counseling, is located in room 116 College Building, 1025 Walnut Street, 215-503-6988. Staffed by Drs. Charles Pohl, Kristin DeSimone, Susan Rosenthal and Kathryn Trayes. Jefferson.edu/university/skmc/student-resources/student-affairs.html
DIVERSIT Y AND INCLUSION The mission of this office is to strengthen existing diversity and to increase communication among the various groups on campus and the community at-large. 215-503-6764 or Jefferson.edu/diversity.
C O M M U N I T Y O U T R E AC H A N D S T U D E N T O R G A N I Z AT I O N S For a complete listing of Student Organizations please access Jefferson.edu/SOS.
E M P L OY M E N T For students and spouses of students, Jefferson has an in-house temporary employment placement service. Many of these temporary opportunities become permanent positions. For those interested, contact Jenifer DiCampli, Coordinator of Temporary Services at 215-503-8367 or e-mail jenifer.dicampli@jefferson.edu for an application.
Sidney Kimmel Medical College
8,964
STUDENT FACT SHEET 2020 Incoming Class
32
states represented
AMCAS APPLICANTS
4.90%
MOST COMMON ARE: NEW YORK, CALIFORNIA, NEW JERSEY & PENNSYLVANIA.
OF APPLICANTS OFFERED ACCEPTANCE
60%
272
40%
OUT-OF-STATE RESIDENTS
STUDENTS ACCEPTED TO FIRST YEAR CLASS
3.76%
50%
IN-STATE RESIDENTS
AVERAGE OVERALL GPA
FEMALE
50%
AVERAGE SCIENCE GPA
MALE
514
3.75%
114 GRADUATE AND UNDERGRADUATE SCHOOLS REPRESENTED
AVERAGE MCAT
AGE RANGE OF SKMC STUDENTS
66.6% 20-23
32.5% 24-29
0.9% 30-34
M I S S I O N Sidney Kimmel Medical College is committed to educating physicians who will shape and lead integrated healthcare delivery and research teams of tomorrow; discovering new knowledge that will define the future of clinical care through investigation from the laboratory to the bedside, and into the community. Our physicians will set the standard for quality, compassionate and efficient patient care for our community and for the nation. SKMC recognizes that a diverse community is imperative to achieving excellence in patient care, education and research. As we carry out our mission, we are committed to the highest standards of professionalism and aspire to be a community of discovery, learning and inclusion.
THE CORE VALUES OF SIDNEY KIMMEL MEDICAL COLLEGE At Sidney Kimmel Medical College of Thomas Jefferson University, we are committed to the highest principles of professionalism. We aspire to be a community that is not only academically and fiscally successful, but also a community of discovery, learning, caring and sharing. The core values of SKMC guide the actions of our faculty, students and administrative teams.
S T A T E M E N T
Our word is our bond. (Integrity) We respect each other and all with whom we come into contact. (Respect) We contribute to society’s intellectual, cultural,and spiritual well-being to the highest possible extent. (Social Responsibility) We recognize that diversity and excellence go hand-in-hand, enhancing our education and patient care and welcome our ability to interact with other people. (Diversity) We care about and attempt to ameliorate the suffering and pain of illness; we care about and attempt to ameliorate the trials and tribulations of the Jefferson family. (Compassion) We are committed to excellence and the life-long pursuit of new knowledge and personal and professional growth. (Excellence) We aspire to do the right thing, for the right reason, even if it involves pain or sacrifice. (Altruism) We are committed to each other and to those we serve. We work together to achieve our mission and goals. (Collaboration) We are committed to the prudent use of the resources made available to us by the hard work of the faculty, the tuition of our learners, the support of the public, and the philanthropic giving that sustains us and helps us grow. (Stewardship)
Sidney Kimmel Medical College FINANCING YOUR MEDICAL EDUCATION Volume 29, 2020-2021
CONTENTS Financial Aid Application Requirements..................................2–3 Applying for Financial Aid..................4 SKMC Educational Indebtedness.....5 Student Expenses 2019–2020..........5 Important Phone Numbers...............5 Financial Aid Acronyms......................5 Loan Facts.............................................6 This bulletin is published by the University Office of Student Financial Aid at Thomas Jefferson University for prospective students applying for admission to Sidney Kimmel Medical College for the fall of 2020. It contains information about application requirements, alternative sources of funding, estimated expenses, indebtedness data of prior Jefferson graduates, and educational loan parameters. Also included is a short directory of numbers that may be useful to you when applying to Jefferson.
University Office of Student Financial Aid Thomas Jefferson University Suite 115, Curtis Building 1015 Walnut Street Philadelphia, PA 19107 Monday – Friday, 8:30 a.m. – 5 p.m. 215-955-2867 financial.aid@jefferson.edu Jefferson.edu/financialaid SUSAN MCFADDEN Executive Director
Welcome! This publication introduces you to the University Office of Student Financial Aid at Thomas Jefferson University. The Office assists students in obtaining resources to finance a medical education, as well as serves as an educational resource for financial planning and debt management. We encourage all prospective students to begin the financial planning process early. To assist in this process, we have included “Financial Aid Application Requirements.” This itemized list highlights the basic requirements for applying for financial aid at Jefferson and emphasizes key dates for completing the process. This section also includes information for students who may not be eligible for need-based financial aid. The “Requirements” section offers more detailed information, whereas “Applying for Financial Aid At-A-Glance” is a quick reference. We have also included a segment on educational indebtedness giving some specific data regarding prior student borrowing at Sidney Kimmel Medical College. As a point of reference, we have included a copy of the SKMC student budget for the current 2019–2020 academic year. This will offer you a benchmark from which to estimate your expenses for 2020–2021. For many of you, financing your medical education necessitates borrowing, maybe for the first time. To help you make wise choices, we offer information about specific loan programs. The section entitled “Loan Facts” provides an overview of the loan programs available to medical students. This information is especially important as it outlines the specific obligations of each loan program. Please plan to contact the Financial Aid Office for further information.
Notice of Nondiscrimination Policy Thomas Jefferson University, in accordance with local, state, and federal law, is committed to providing equal educational and employment opportunities for all persons, without regard to race, color, national and ethnic origin, religion, sexual orientation, sex, age, disability, or veteran’s status. Thomas Jefferson University complies with all relevant local
ordinances and state and federal statutes in the administration of its educational and employment policies and is an Affirmative Action Employer. Any inquiries may be directed to the Manager of Employee Relations or to the University’s Affirmative Action Officer at 833 Chestnut Street, 215-503-7758.
What constitutes a “complete” financial aid application? A completed Financial Aid Application (in applying for all institutionally administered funds) consists of the following: • A processed Free Application for Federal Student Aid (FAFSA) document at fafsa.ed.gov or using the myStudentAid mobile app; Sidney Kimmel Medical College federal school code: 010021. The application process opens on October 1, 2020 Parental section must be completed to be considered for university owned financial aid. • The 2020–2021 FAFSA should be completed using the 2018 Federal Income Tax Return via the IRS Data Retrieval Transfer (DRT) process. • A completed Jefferson Institutional Application and Verification Worksheet (on Banner Web). • Signed photocopy of a parent’s 2018 Federal Income Tax Return (or non-filing statement if a tax return is not required to be filed).
What parental info must be supplied? To be considered for Jefferson Institutional Aid, parental financial information must be submitted to the Financial Aid Office as part of your Financial Aid Application. A photocopy of the parent 2018 Federal Income Tax Return must be submitted to the Financial Aid Office and all parental information must be included on all appropriate sections on the FAFSA and Verification Worksheet. Please note that no exceptions may be made.
When are financial aid applications available? Starting on or about November 1, Financial Aid information is emailed to all accepted students. Students accepted after November 1 will be sent an email within one week of their acceptance date. Instructions for accessing online financial aid applications are included with this communication. Please note that only accepted students are able to access the online financial aid application. Late accepts should file applications within two weeks of acceptance.
Do I need to be a U.S. citizen? A student must be a U.S. Citizen or permanent resident of the U.S. to receive institutional financial aid as well as aid through federal loan and scholarship programs. No exceptions will be made. A limited number of private loan programs from outside vendors are available to students who are neither a U.S. citizen nor a permanent resident, but have a credit-worthy U.S. citizen cosigner. For information contact the University Office of Financial Aid.
What is Entrance Counseling? For student loans, you are required to complete a federal online Entrance Counseling Session at Studentloans.gov. This is to provide you with all of the pertinent information about federal loans you may borrow. It is not necessary to wait until you have completed Entrance Counseling to submit loan applications. If you are applying for a Federal Direct Stafford or Graduate PLUS loan, application materials should be submitted between May 1, 2019 and July 1, 2019. Loans may not be disbursed until the Entrance Counseling requirement has been met. The annual maximum for the Federal Direct Stafford loan is $44,944 (for an 11-month academic year). Interest rate for 2019–2020 is 6.08%
When will I learn if I’m eligible for University Scholarships? Students who have completed all financial aid application materials (listed above) by November 1 can expect notification of eligibility between December and January. Financial aid eligibility notifications are sent to your Jefferson email account will continue to be sent daily until orientation.
What is the Federal Direct Stafford Loan? To be considered for institutional aid, you must plan to first borrow at least $10,000 in the Federal Unsubsidized Stafford Loan Program. This means that any institutional aid you may be eligible for will be over and above this amount. Please note that with the passage of the Budget Control Act of 2011, as of July 1, 2012, the Federal Subsidized Direct Stafford Loan will cease to exist for graduate students. The maximum Federal Direct Stafford Loan will remain, but this loan will have accruing interest while in school.
How can I apply for the Federal Direct Stafford Loan? All students applying for Federal Direct Stafford Loan funds are required to complete both: • A separate Master Promisory Note (MPN) (the signed form acknowledging responsibility for repaying the debt). • Federal Entrance Counseling at Studentloans.gov. To complete the Direct Lending Master Promissory Note (MPN), please follow these instructions: ~ Go to the Studentloans.gov web site. ~ Click Sign In and complete login with your FSA User ID. Then click Complete Master Promissory Note. ~ Follow the steps given and select Thomas Jefferson University when school name is requested. Students who need additional funding beyond the Federal Direct Stafford Loan and/or university funding have alternative ways to finance their medical education which includes the Federal Direct Graduate PLUS Loan, service commitment programs, and private loans (see below).
Federal Direct Graduate PLUS Loan The U.S. Department of Education makes Federal Direct PLUS Loans to credit-worthy graduate or professional students that can be borrowed to supplement the Federal Direct Stafford Loan and help fund a medical school education. Keeping loans from one source (i.e., federal) is very helpful in the repayment process. For more information about the Federal Direct Graduate PLUS Loan, see https://studentaid.ed.gov/sa/types/loans/plus/ grad-professional.
Service Commitment Scholarships This category includes the National Health Service Corps (NHSC) as well as military scholarships (AFHPS) through the Air Force, Army, or Navy. Both the NHSC and the AFHPS programs offer full payment of tuition and health insurance, and a monthly stipend to meet living expenses. The service obligation requires one year for each year of support, with a minimum two-year commitment for the National Health Service Corps and minimum three-year commitment for Armed Forces Service Scholarships. Students interested in obtaining additional information about these programs may contact the Financial Aid Office or the specific governing/recruiting agencies at the telephone numbers listed: National Health Service Corps 800-221-9393 Air Force 215-978-0138 Army 215-232-2047 Navy 215-697-3974
Private Loan Programs Students needing additional educational loans may be eligible to borrow through non-subsidized, private loan programs. The parameters for these programs are included in the “Loan Facts” chart on the last page. However, as these programs may be higher cost loans, we encourage students to consider all options, including consideration of a Federal Graduate PLUS Loan or securing a loan from parents, before choosing a private loan. Information about additional alternative loan sources is available at Jefferson.edu/financialaid.
How do I know if I’m credit worthy? Lenders administering most alternative loan programs must determine the applicant to be creditworthy prior to the loan application being approved. Loan applications may be denied if you have unresolved credit problems. For a copy of your free credit report, go to Annualcreditreport.com or contact these agencies: Equifax (equifax.com) 888-548-7878 Transunion (transunion.com) 800-888-4213 Experian (experian.com) 888-397-3742
What if I am delinquent on a loan? To be eligible for any federal, state, or institutional loan funds, students cannot be in default on any prior educational loans. If a student demonstrates financial need, but is ineligible for federal grants and/or loans due to default or delinquency status on a prior loan, Sidney Kimmel Medical College at Thomas Jefferson University will not commit institutional funds to remedy the default status or to compensate for the ineligibility for these funds. It is the student’s responsibility to resolve all problems involving loan delinquencies, defaults, negative credit rating, and any other circumstances that would result in the student being ineligible to borrow through any federal or private loan program. Please Note: Some of these facts may apply to other medical schools as well as Sidney Kimmel Medical College. It is recommended that you contact each school in which you are interested to inquire about particular institutional policies and deadlines. Eligibility for all forms of financial aid is determined annually and is contingent upon the availability of funding.
Applying for Financial Aid1 “At-A-Glance” Financial aid file must be complete2 to determine eligibility
Must demonstrate financial need (i.e., need based programs
Must first apply for Federal Direct Stafford Loan
SKMC Scholarship
yes
yes
SKMC Loans
yes
Primary Care Loans
Delaware/ DIMER Scholarship Federal Direct Unsubsidized Stafford Loan Private Loan Programs Federal Graduate PLUS Loan
Must be repaid
Contingent upon availability of funds
Service commitment required
yes
no
yes
no
yes
yes
yes
yes
no
yes
yes
no
yes
yes
yes
yes for need-based consideration
yes
no
no
yes3
no
yes
no
yes
yes
no
no
yes
no
yes
yes
no
no
yes
no
yes
yes
no
no
This chart should be used only as a quick reference as it does not include all sources of financial aid, nor all eligibility requirements. Students should refer to SKMC’s Financial Aid Handbook for additional resource/ eligibility information, and contact the Financial Aid Office for specific information regarding individual eligibility. The Financial Aid Handbook can be viewed or downloaded from our Web site at Jefferson.edu/financialaid. 1
The specific items that must be filed to complete your financial aid application file are listed on page 2 of this publication. Additional application requirements for the DIMER Scholarship Program are specified within the context of the description of this program contained in the Financial Aid Handbook.
2
The amount of funding is dictated by the State of Delaware and may fluctuate yearly based on approval of state budget and meeting the July 15 deadline. 3
SKMC Educational Indebtedness Data Below is the educational “Debt Bracket” breakdown for SKMC’s Class of 2019. This includes debt that was incurred by these students prior to their entrance to Sidney Kimmel Medical College. Debt Bracket Number of Graduates $1-19,999...................................... 1 $20,000-39,999..........................3 $40,000-59,999......................... 8 $60,000-79,999......................... 4 $80,000-99,999......................... 4 $100,000-119,999...................... 4 $120,000-149,999..................... 11 $150,000-189,999................... 23 $190,000-209,999................... 23 $210,000-249,999................... 36 $250,000 and above............... 74
Student Expenses 2019–2020 Tuition.............................. $58,557 Fees.......................................... 928 Books and Supplies............ 1,060 Instruments............................. 249 Room and Board...............17,820 Transportation....................... 500 Medical-Dental...................... 450 Major Medical...................... 4,945 Miscellaneous......................1,375 Estimated Loan Fees..............477 TOTAL............................. $86,361
Helpful Web Sites Federal Student Aid..................................... studentloans.gov NHSC............................................................. nhsc.hrsa.gov FAFSA............................................................. fafsa.ed.gov Internal Revenue Service........................... irs.gov Nat’l Student Loan Data System.............. nslds.ed.gov PA Medical Society .................................... Foundationpamedsoc.org
Important Phone Numbers Admissions.................................................... 215-955-6983 Cashier’s/Tuition.......................................... 215-503-7669 Financial Aid................................................. 215-955-2867 Housing......................................................... 215-955-8913 Registrar........................................................ 215-503-8734 Student Affairs.............................................. 215-503-6988
Financial Aid Acronyms Abbreviation Definition AFHPS .............. Armed Forces Health Professionals Scholarship ALP..................... Alternative Loan Program DIMER................ Delaware Institute of Medical Education and Research FAFSA................. Free Application for Federal Student Aid SKMC................. Sidney Kimmel Medical College LDS..................... Loans for Disadvantaged Students MPN.................... Master Promissory Note NHSC................. National Health Service Corps PCL*.................... Primary Care Loan PHEAA............... Pennsylvania Higher Education Assistance Agency PMS..................... Pennsylvania Medical Society SDS..................... Scholarships for Disadvantaged Students STAFFORD ....... Federal Direct Stafford Loan * The PCL program requires commitment to complete residency and practice in primary care.
Loan Facts Comparative Information on Selected Federal and Private Loans (Parameters specified in this chart are subject to change)
Interest Rate
Federally subsidized while enrolled
Interest Unsubsidized & accrues starting at disbursmenet
Grace periord & deferment
Maximum years repayment
Loan program
Annual maximum
Total aggregate maximum
PCL (requires commitment to practice in primary care)
Tuition + $2,500 (contingent on availability of funds)
Variable
5% (2)
Yes
No
12 months + 3 yr residency
10
LDS
Same as PCL
Variable
5% (2)
Yes
No
12 months + residency
10
SKMC*
Variable
Variable
5% (2)
No
12 months
10
PMS
Variable
Variable
Variable (4)
Yes
Up to 5 years
10
Federal Direct Stafford
$40,500/ 9-month enrollment
$224,000 (including total amount borrowed in prior Federal Direct Stafford funds
Variable fixed (5)
No
Yes
6 months (3)
10
Federal Direct Grad PLUS Loan
None (cost minus all other financial aid not to exceed student budget)
None
Variable fixed (6)
No
Yes
None (3)
30
Private Loans
None (cost minus all other financial aid not to exceed student budget)
Varies by lender
Fixed or variable
Yes
6-9 month grace period to 4 year residency
15
No
(1) Residency deferment privileges are not available for Federal Perkins loans for which the first disbursement is made on or after 7-1-93. Postponement of payment may be available via forbearance in which payment of principal is postponed, but interest will accrue.
(2) 0% interest until repayment.
(5) 10-year T-BILL plus 3.6% for graduate Stafford loans disbursed on or after July 1, 2013.
(3) New** Federal Subsidized Stafford and Federal Unsubsidized Stafford borrowers** whose first disbursement on the loan was made on or after 7-1-93
may only apply for forbearance. (Note: during forbearance payment of the principal will be postponed, but interest will accrue on both subsidized and unsubsidized Stafford funds.)
(4) 91 day T-Bill plus 2.5%, not to exceed 6%. Accrued school interest will not capitalize until repayment.
(6) 10-year T-BILL plus 4.6% for PLUS loans disbursed on or after July 1, 2013
* Parameters listed for SKMC loans apply to all SKMC loans except Mabel S. Wayland, Mabel Cunnison, the Melba W. Snyder, the W. K. Kellog, the Nancy Bacharach, and the Robert Wood Johnson loans. See the Financial Aid Office for parameters of these specific loans.
Sidney Kimmel Medical College at Thomas Jefferson University Jefferson.edu/SKMCAdmissions | 215-955-6983 | SKMC.Admissions@Jefferson.edu
Sidney Kimmel Medical College at Thomas Jefferson University Office of Admissions 1015 Walnut Street, Suite 110 Philadelphia, Pennsylvania 19107-5083 SKMC.Admissions@Jefferson.edu Jefferson.edu/SKMCAdmissions P: 215-955-6983 | F: 215-955-5151 Digital fax: 215-503-8877 Clara A. Callahan, MD The Lillian H. Brent Dean of Students and Admissions Chair, Committee on Admissions clara.callahan@jefferson.edu Alisa A. LoSasso, MD Co-Chair, Committee on Admissions alisa.losasso@jefferson.edu Bonnie L. Emilius Director of Admissions, SKMC bonnie.emilius@jefferson.edu