Student Financial Services
Applying for Aid
Financial Aid Process | Common FAFSA Mistakes | Consortium Agreements | Cost of Attendance | Dependency Overrides | Dependent vs. Independent | Getting Married? | How to Lose or Delay Aid | How SFS Figures Need | Pharmacy Questions | Special Circumstances | Summer Financial Aid | Timeline | Transfer Students | Your Federal PIN Number | Verification Policies | Satisfactory Academic Progress (S.A.P.) Policy
The Pharmacy Doctoral program at Southwestern Oklahoma State University has unique aspects to applying for financial aid. To help you we automatically increase the estimated cost of attendance due to the Pharm.D. fee and other related educational expenses. Separate increases are also added in for you during your final semesters to help with the costs of rotations.
Dependency is another important Pharm.D. factor. On the Free Application for Federal Student Aid you are asked whether "you will be working on a master's or doctorate program". Only students in their final 64 credit hours of the Pharm.D. program can answer "Yes" to this question. This is mandated by the federal government because although the Pharmacy Doctorate is your goal, you are not considered to be "pursuing" that degree officially until your final 64 credit hours. Answering "Yes" prior to entering your final 64 hours can lead to significant financial aid loss later on and possible requirements to repay aid you have already received.
The School of Pharmacy provides Student Financial Services a list every semester of those students who are nearing the cross over to graduate status. Feel free to contact us or the Pharmacy department with any questions concerning your status.
Undergrad v. Grad
Even after you have been fully accepted into the Pharm.D. program, you are considered to be an undergraduate student until entering your last 64 credit hours of study. As an undergraduate, you can be considered for Federal Pell Grants, Federal SEOG Grants, and OTAG. Immediately upon earning sufficient credits to put you within 64 hours of completion, you are considered to then be a graduate student. The moment you cross over into the graduate level your eligibility for all federal grants ends, but your borrowing limits for loans usually increases. Any Pell or SEOG scheduled for future terms is no longer valid from that point on. If your financial aid award letter does not reflect this change, let a Student Financial Services counselor know so we can help get you all the aid you qualify for.