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Eligibility

MCPHS considers all eligible students with a completed Free Application for Federal Student Aid (FAFSA) for all possible funding sources including federal, state, and college programs. A student will be considered for financial aid if he or she is:

  • A citizen or eligible non-citizen of the United States
  • Registered with the Selective Service or exempt from registration
  • Not in default on any federal student loan or owing a refund on any federal grant

Other important factors in the financial aid process may include a student's:

  • Degree standing
  • Dependency status
  • Enrollment status
  • Academic standing
  • Prior Bachelor's degree
  • Massachusetts residency

Financial aid awards are based on full-time attendance at MCPHS. Full-time attendance is defined as a minimum of 12 credits per semester for undergraduate students and 9 credits per semester for graduate students.

The Office of Student Financial Services reviews enrollment for all students receiving financial aid at the end of the official add/drop period each semester and also makes the necessary adjustments to financial aid awards. (Note: Students enrolled in their required clinical rotations/clerkships will be considered as enrolled full-time regardless of credit load.)

The following programs require full-time undergraduate enrollment. Less than full-time enrollment will result in complete loss of the award.

  • Gilbert Grant
  • Health Professions Loan
  • MASS Grant
  • Most state grants
  • MCPHS merit-based scholarships

The following programs are pro-rated based on undergraduate enrollment status. For these programs, students will have their awards reduced 25% if they are enrolled in 9-11 credits; they will be reduced by 50% if they are enrolled in 6-8 credits; and they are not eligible for these programs if they are enrolled in 1-5 credits.

  • Federal Pell Grant (undergraduate students enrolled in 1-5 credits receive a pro-rated portion of the Pell grant)*
  • Federal Supplemental Educational Opportunity Grant for Undergraduate Students (FSEOG)
  • MCPHS need-based scholarship

*Students can receive a Pell Grant for a maximum of 12 semesters.

The following programs require at least half-time undergraduate enrollment. Less than half-time enrollment will result in complete loss of the award. Half-time enrollment is defined as 6 credits for undergraduate students.

  • Federal Parent PLUS and Loan
  • Federal Direct Stafford Loans (subsidized and unsubsidized)
  • Federal work-study
  • Most alternative loans

The following programs require at least half-time graduate enrollment. Half-time enrollment is defined as 5 credits for graduate students.

  • Federal Direct Unsubsidized Stafford Loan
  • Federal Graduate PLUS Loan
  • Most alternative loans

Massachusetts residency is defined as those students who have resided in Massachusetts for purposes other than attending college for at least one year prior to the start of the academic year.

Parents of dependent students must also have resided in Massachusetts for at least one year prior to the start of the academic year. Programs funded by the Commonwealth are limited to undergraduate students. Students who have already completed a prior bachelor's degree are not eligible for financial aid programs funded by the Commonwealth.

Students who have a prior baccalaureate degree are not eligible for certain grant programs, including:

  • Federal Pell Grant
  • Federal Supplemental Educational Opportunity Grant
  • Most state scholarship/grant programs