Yes. If you are experiencing financial difficulty, it is highly recommended you schedule an appointment with a counselor. Schedule an appointment.

Student budgets are prepared using current Department of Education guidelines, which consists of tuition, fees, cost of required books and supplies, room and board (based upon a shared dwelling), transportation, and personal expenses. In general, tuition, fees, and books come from your school’s Student Affairs office. Room and board costs are constructed using Bureau of Labor Statistics data for specific geographical regions. This is supplemented with data from surveys sent to our student body.

Entrance and Exit Interviews are integral pieces of the Financial Aid Process. All first-time borrowers must complete Entrance Counseling, which advises you of your rights and responsibilities for the loan you are assuming. Exit Counseling provides valuable information on how to prepare for and repay your student loans. The University will contact students to schedule an Exit Interview before leaving the institution. Follow these links for more information on completing online federal Entrance Counseling and Exit Counseling.

Deferment forms are processed by the Registrar of your respective school.

Students are required to be matriculated in a program of study at least half-time for the period in which they seek financial assistance. Please refer to your school’s enrollment policy.

Rowan-Virtua TBES Certificate programs are eligible programs for federal financial aid. However, you must be enrolled at least half-time for the period in which you seek financial assistance.  If you are enrolled less than half-time, you may secure a private education loan.  Compare private loan resources at ELMselect.

You are ineligible to receive federal aid as a non-matriculated student.  You may secure a private education loan. Compare private loan resources at ELMselect.

Contact the University Registrar at registrar@rowan.edu to change your permanent address. 

1. If you qualify as a citizen, permanent resident of the U.S. or eligible non-citizen and as such are able to access U.S. federal student loans, which offer very favorable terms, you should consider them first. Start by completing the FAFSA (Free Application for Federal Student Aid).
2. If you do not qualify for U.S. federal student aid, we advise that you check with your home country to see if loans to study in the U.S. are available.
3. Next, many U.S. lenders offer credit-based educational loans to international students if they apply with a credit-worthy U.S. citizen, permanent resident, or eligible non-citizen co-borrower. If you are able to secure a qualified co-borrower, we urge you to do so and consider loans of this type, because approval and more favorable terms will be more likely.
4. If you are an international student seeking to borrow without a co-borrower, you will find fewer lenders from which to choose. The two lenders listed below do not require a U.S. citizen, permanent resident, or eligible non-citizen co-borrower, however their interest rates and other terms may be less favorable. Certain restrictions apply as noted.
   1. MPower Financing (https://www.mpowerfinancing.com/)
      Offers loans to eligible international students who are enrolled in a degree program and are within two years of graduation.
   2. Prodigy Finance (https://prodigyfinance.com/

You are not required to borrow from any lender listed here, elsewhere on our website, or in other University materials. You may choose to borrow from any lender without penalty. We urge you to compare credit-based loan information and terms carefully to determine the best fit for your particular circumstances.

Additional Considerations

International students applying for admission must present evidence of sufficient funds to cover all tuition, fees, books, and living expenses for their study at Rowan-Virtua SOM.

Consider costs for the entire duration of your program. Many credit-based loans are approved on a yearly basis and students are not guaranteed to be approved for loans each year as lender requirements change. We strongly encourage international students to have plans in place in situations where funding availability changes.

Please be in contact with the TBES Admissions Office (tbesadmissions@rowan.edu) and Rowan University's International Center (rowanic@rowan.edu) to make sure you are compliant to begin your program at Rowan-Virtua SOM.