In This Section
- Eligibility for Financial Aid
- Applying for Financial Aid
- Information For First-time Undergraduates
- Information For Transfer Students
- Information For Graduate Students in MS and PhD Programs
- Information For Graduate Students in Professional Programs
- Information for Students in Certificate Programs
- GI Bill / Veterans Affairs Benefits
- Retaining Your Financial Aid
- Financial Education
- Financial Aid Forms
Information for Students in Certificate Programs
Eligible students in Graduate Certificate programs at USciences may request to borrow federal student loans.
Tuition and Fees
Federal Unsubsidized Direct Loans
Federal unsubsidized Direct Loans are loans in the student's name, and do not require a credit check or cosigner. Financial need is not a requirement to obtain an unsubsidized Federal Direct Loan, on which interest accrues while the student is enrolled.
Federal Student Aid eligible graduate students may borrow up to $20,500 per academic year. Students must be enrolled at least half-time (minimum of 5 credits per semester for graduate students) to borrow this loan.
- The interest rate for 2016-17 is fixed 5.31%
- The FAFSA must be submitted each year to borrow Federal Direct Loans
- Origination fee for all Federal Subsidized and Unsubsidized Direct Loans is 1.069%
- First time borrowers must complete a Master Promissory Note (MPN) AND Loan Entrance Counseling
- Each year, the Department of Education will reset the fixed interest rate based on current market interest rates
- The standard repayment term is ten years, but many repayment options are offered by the Department of Education, including extended, graduated and income-based repayment.
Federal Graduate PLUS Loans
The Grad PLUS allows graduate students to borrow funds to further assist in paying for their education. The PLUS has a fixed interest rate that is currently 6.31%. The maximum amount that can be borrowed is the cost of education minus any other financial aid (including loans) received.
Standard repayment begins 60 days after the loan is fully disbursed, but students may request an in-school deferment while the student remains at least half-time. Deferment will delay the payment of principal while the student is enrolled in school. Interest will continue to accrue during this time and can be paid or capitalized.
Eligibility for this loan is determined by a credit check. Students must complete the PLUS Request Process at www.studentloans.gov. If credit approved, a separate Master Promissory Note (MPN) and Graduate Entrance Counseling is required to receive credit for the loan.
Private Alternative Education Loans
Alternative Educational Loans are available from a variety of private lenders to cover the total cost of education minus any other financial aid. These loans offer different repayment options and have variable interest rates.
Some Private Alternative Loans are available to international students. International students are typically required to apply with a cosigner who is a U.S. Citizen or Permanent Resident.
Please review our Lending Code of Conduct to familiarize yourself with other details regarding Financial Aid offered by University of the Sciences.”
Gainful Employment Program Disclosures
University of the Sciences (OPEID: 003353) offers three Graduate level certificate programs which are subject to the Gainful Employment Program Disclosure requirements.
Biotechnology Certificate Program
This Graduate level certificate requires the completion of 15 credits. The program can be completed in as few as 3 semesters.
The Biotechnology Certificate prepares students for positions in the pharmaceutical and biotechnology industries. Admission into the certificate program requires a bachelor’s degree and the completion of organic chemistry. This certificate helps students to develop the tools necessary to compete in a market that is increasingly focused on molecular biology and biotechnology.
Access the Gainful Employment Disclosure for the Biotechnology Certificate Program.
Certificate in Biomedical Writing (Marketing Writing or Regulatory Writing)
This Graduate level certificate requires the completion of 12 credits. The program can be completed in just two semesters of part-time study.
If you already have clinical or pharmaceutical experience and wish to change career directions, our certificate programs allow you to focus on the essential skills required for regulatory or marketing writing. The medical writing certificate in marketing writing focuses on publications and certificate in regulatory writing focuses on preparing documents for initial and continuing approval of therapies. These certificates are intended for people with graduate degrees either seeking senior career positions or further training and credentialing in the biomedical writing field. Certificate course may be applied toward the master of science degree.
Access the Gainful Employment Disclosure for the Certificate in Biomedical Writing (Marketing Writing or Regulatory Writing).
Post-Graduate Certificate Program in Pharmaceutical and Healthcare Business
This Graduate level certificate requires a minimum of 12 credits. The program can be completed in as few as three semesters of part-time study.
The Post-Graduate Certificate Program in Pharmaceutical and Healthcare Business is designed for individuals with advanced degrees with professional experience working in the pharmaceutical and healthcare industry. This certificate prepares students with industry-specific knowledge and skills to assist individuals in advancing their career and meeting the business objectives of employers. This certificate may be earned over 12 months or as long as 4 years. The program allows customization by allowing the student to select courses that are of greatest value to him/her. Classes are offered either in the evening or in an online format.
Access the Gainful Employment Disclosure for the Post-Graduate Certificate Program in Pharmaceutical and Healthcare Business.
University of the Sciences in Philadelphia
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Philadelphia, PA 19104-4495