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Financial Aid - MAP Students

Amber Gump MAP Financial Aid Counselor



My name is Amber Gump and I am the Financial Aid Counselor for students in the Muskingum Adult Program. You may contact me with any questions about your financial aid eligibility by emailing me at amberg@muskingum.edu or calling 740-826-8139.





Click on the links below to learn more about Financial Aid for MAP students.

Financial Aid Eligibility

Financial Aid Award Letter

Tuition Charges


Types of Financial Aid Available

Applying for Federal Direct Loans and Private Loans

Making Payments

Repayment of Student Loans



Financial Aid Eligibility
To be eligible for financial aid you need to:

  1. Be accepted into the MAP program as a degree-seeking student.
  2. File the FAFSA at www.fafsa.gov.
  3. Complete Verification (if selected). Please read the section below on Verification.
  4. Provide your Enrollment Plan
  5. Complete MPN and Entrance Counseling for NEW Direct Loan borrowers. Please read the section below on Applying for Federal Direct Loans.

Financial Aid Award Letter
A Financial Aid Award will be sent to your Muskingum email after completing the steps above. The award letter will reflect your tuition charges and your financial aid eligibility for each session based on the number of credit hours you are taking. MAP students may be eligible for Federal and State Grants and Federal Loans. MAP students are not eligible for Muskingum-funded assistance since the tuition rate is lower than the traditional undergraduate tuition.

Tuition Charges:
The 2016-17 academic year consists of two semesters with two sessions in each. Students may participate in one or both sessions each semester.

Semester Session Tuition per credit hr
1 Summer 2017 $510
1 Fall
2 Spring 1 2018 $520
2 Spring 2 2018 $520


If your FAFSA is selected for verification for the 2017-18 year you will receive a notice from Student Financial Services explaining what you need to do to complete the verification process.

Requesting a Tax Return Transcript

If you are selected for Verification you must provide us with a 2015 Federal Tax Return Transcript provided by the IRS. 

You may request a 2015 Federal Tax Return Transcript:
1) online at www.irs.gov
2) toll free at 1-800-908-9946 or
3) by downloading Form 4506-Twhich you will need to complete and mail to the IRS.

Please make sure that you are requesting a tax return transcript and not a tax account transcript.

If you have questions please contact our office at 740-826-8139 and ask for Carissa.

Types of Financial Aid Available

Federal Pell Grants
This grant is awarded to students who have filed the FAFSA and for 2017-18 have an EFC of 5920 or less. Full-time award amounts for 2017-18 range from $606-$5,920 based on EFC. Smaller grants are available to half-time and less than half-time students. Students may not be over awarded or in default on any federal aid program and if selected for verification must submit documentation to complete the verification process. The duration of a students eligibility to receive a Federal Pell Grant is limited to 12 semesters or its equivalent.

Ohio College Opportunity Grant (up to $2,832 per year in 2016)
Recipients must be Ohio residents and must file the FAFSA by October 1, 2016 and have an EFC of 2190 or less. For 2016-17 eligible full-time students will receive $2,832 for the academic year. Students who are 3/4 time, 1/2 time and 1/4 time can receive reduced grants. The duration of a students eligibility to receive OCOG is limited to 8 semesters or its equivalent.

Choose Ohio First Scholarship (RN to BSN, Health Science and Informatics students only)
If you are from Ohio and are a student in the RN to BSN program, Health Science or Informatics program, you may be eligible for assistance from the Choose Ohio First Scholarship program through the Ohio Board of Regents. Students may apply for awards of up to $750 per semester in this program. Recipients are required to complete a small service requirement as a condition of the award. Applications for the Choose Ohio First Scholarships are available from the office of Graduate and Continuing Studies. Contact Janeen Eno if you have questions.

Federal Teacher Education Assistance for College and Higher Education (TEACH) Grant Program
The Federal TEACH Grant program provides grant assistance to an undergraduate student who agrees to serve for at least 4 years as a full-time teacher in a high-need field in a school that serves students from low-income families. A TEACH Grant recipient who does not complete their required teaching within a specified time frame or fails to meet certain other requirements of the TEACH Grant program will be required to repay the TEACH Grant as a direct unsubsidized loan under the William D. Ford Federal Direct Loan Program. For 2016-17 eligible full-time students will receive $3,724 for the academic year. Students who are 3/4 time, 1/2 time and 1/4 time can receive pro-rated grants.
Students must check their eligibility by reviewing the TEACH Information Sheet.
Students who have reviewed the TEACH Eligibility Form and want to apply for the grant must complete the TEACH Grant Agreement to Serve (ATS) and TEACH Grant counseling at www.teach-ats.ed.gov.

Federal Direct Loans
are available to all students who file the Free Application for Federal Student Aid (FAFSA) and who are enrolled at least half-time (6 credit hours per semester). The maximum Federal Direct Loan amount for which the student is eligible is listed on the award letter. In many cases students are eligible for “subsidized” Loans, which means the federal government pays the interest during periods of enrollment. In other cases, part or all of the loan will be classified as "unsubsidized," meaning the student is responsible for the interest while enrolled in school.
Interest rates are variable and are set every July 1. Federal Direct Loans disbursed after July 1, 2016 and before July 1, 2017 have an interest rate of 3.76% and an upfront origination fee of 1.069%.
Students who borrow in the Direct Loan program can cancel within 14 days. Contact the Business Office or Student Financial services.


Applying for Federal Direct Loans
If you have been awarded a Federal Direct Loan and have not borrowed in this program before, there are 3 steps you need to complete in order for Muskingum to be able to process your loan if you do not have an active Direct Loan MPN on file.

1. Complete a Federal Direct Loan Master Promissory Note (MPN) at https://studentloans.gov

2. After completing the MPN, you will need to complete Entrance Counseling on the same site.

3. As there is no place on the MPN to indicate how much you want to borrow, you will need to contact your Financial Aid Counselor Amber Gump at 740-826-8139 or amberg@muskingum.edu to let her the amount you want to borrow.

Private Loans
Private Loans can be used to cover any educational expenses not covered by financial aid. This type of loan can be used if you are not interested in filing the FAFSA or will be enrolled less than half-time (6 hrs). The loan is in the student's name, but in some cases a credit-worthy cosigner is required. There are several payment options, though in most cases either interest or both principle and interest can be deferred. The credit check that is done on the borrower or co-signer is a credit scoring process. Students may borrow up to the cost of education minus financial aid. In some cases students may borrow to cover a previous balance.
There are hundreds of alternative loans available to students. We have selected the ones that we are most familiar with. If you go to FASTChoice you will be able to compare alternative loans and select the one that best meets your needs. Click here to Start your Private Loan

Payment Plan
If you would like to make payments to the college instead of borrowing money, contact Janet Nesselroad in the Student Accounts Office at 740-826-8118 or janetn@muskingum.edu

Exit Counseling
All loan borrowers at Muskingum University who graduate, withdraw, or otherwise cease to attend at least half-time study are required to complete Exit Counseling. During counseling you will receive information about repayment of your loans. Go to studentloans.gov and click on Exit Counseling under Tools and Resources.

The Department of Education has also created an EXIT Counseling Guide for Federal Student Loan Borrowers (pdf) which provides you with the information you need to successfully repay your federal student loans.

Students who received a TEACH Grant must also completete the required TEACH Grant Exit Counseling. It is very important that you complete the exit counseling as it will remind you of the TEACH grant requirements and obligations. It will also explain how to keep in contact with the Department of Education regarding your teaching status. If you are planning on attending graduate school you may be eligible to receive the TEACH grant as a graduate student. If a student receives the TEACH grant, they have up to 14 days to cancel the grant. Contact the Business Office or Student Financial Services.

Repayment of Student Loans
Student Loans are serious obligations which must be repaid. Repayment of principal begins after a student graduates, withdraws, or drops below half-time enrollment. There is a six-month grace period between the time a student’s enrollment stops and repayment begins. During your grace period you should prepare to enter repayment by following these 3 steps to ensure successful repayment of you loans:

1. Know who you owe and how much. Your loans may have been sold to other lenders or to the Department of Education. Visit nslds.ed.gov to see who holds your Federal loans and how much you have borrowed. To see how much you borrowed in private loans, go to annualcreditreport.com to receive a listing of your private loans on a free credit report. (There is a fee if you want to view your FICO score.)

2. Determine the right repayment plan. For more specific information regarding repayment of loans including available repayment options go to studentloans.gov. You may also visit www.ibrinfo.org for information on income-based repayment. If you are interested in consolidating your loans, you may be able to extend your repayment period up to 30 years.  Consolidation will reduce your monthly payments but will greatly increase the total amount of interest you will pay. Visit studentloans.gov for more information.

3. Stay on top of your loans. Stay in contact with your lender to update your contact information or to change your repayment plan. If you are having trouble making a payment contact your lender to see if a deferment or forbearance is available. DO NOT SKIP A PAYMENT!

Loan Forgiveness Programs for Teachers and those in Public Service
You may be eligible for loan forgiveness if you meet certain criteria. For more information visit:http://studentaid.ed.gov/repay-loans/forgiveness-cancellation/charts

Cohort Default Rate
The FY 2013 three-year national student loan cohort default rate is 11.3%.
Muskingum's FY 2012 official three-year cohort default rate is 6.6%.

Student Loan Indebtedness
The average amount of indebtedness of undergraduate student loan borrowers from the class of 2016 was $27,813 (not including private loans).

Click on MAP Policies and Procedures to view additional information.