Financial Aid

Financial Aid

American University of Antigua (AUA) College of Medicine is approved to participate in the U.S. Federal Direct Loan Program.

Title IV step by step guide

Title IV step by step guide

How to Apply for Federal Financial Aid

Student Financial Services

Student Financial Services

Nervous About Your Finances? We've Got You Covered.

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AUA Communications

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Canadian Loan Program

Canadian Loan Program

Loans available for qualified Canadian students

Tuition and Fees Information

Tuition and Fees Information

Less Money for More Education

Scholarship Opportunities

Scholarship Opportunities

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Veterans Benefits

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    American University of Antigua College of Medicine Federal Financial Aid Information:

    AUA’s M.D. program has been approved to participate in the William D. Ford Federal Direct Unsubsidized Stafford and Grad PLUS Loan programs both of which are administered by the U.S. Department of Education.  Additional information regarding these loan programs is available through the U.S. Department of Education website at www.studentaid.ed.gov.

    Eligibility for Federal Loans:

    To qualify for a Federal loan, a student enrolled at AUACOM must meet the following requirements in order to receive federal financial aid:

    • The student must be a U.S. citizen or an eligible noncitizen. Eligible noncitizens are U.S. nationals (including natives of American Samoa and Swains Island), U.S. permanent residents or individuals who have an Arrival-Departure Record (I-94) from U.S. Citizenship and Immigration Services (USCIS) showing one of a list of acceptable designations. For the list of acceptable designations, click here.
    • The student must have a valid Social Security number (with the exception of students from the Republic of the Marshall Islands, Federated States of Micronesia, or the Republic of Palau);
    • The student must be registered with Selective Service (for males between the ages of 18 and 25);
    • The student must be enrolled or accepted for enrollment at AUACOM;
    • The student must be in good academic standing and maintain satisfactory academic progress (SAP) towards completing his/her M.D. degree (new students are deemed to be in good academic standing and making SAP);
    • The student must not be in default of a federal loan or owe an overpayment on a federal grant or Federal Perkins Loan.
    • The student must not have been convicted of possessing or selling illegal drugs while receiving federal financial aid;
    • The student must not have borrowed more in federal financial aid than the annual or aggregate loan limits (see below for more information on annual and aggregate loan limits.)

    There are two types of federal loans that are available for AUACOM’s qualified students: a Federal Direct Stafford Unsubsidized loan and Federal Direct Graduate PLUS loan. Below is a description of each loan program.

    Federal Direct Unsubsidized Loans:

    Interest rates on Direct Unsubsidized Loans:

    The interest rate for Direct Unsubsidized loans disbursed from July 1, 2015 through June 30, 2016 is 5.84%. For more information on interest rates click here.

    Direct Unsubsidized Loan fees:

    Students who obtain a Direct Unsubsidized loan will pay an origination fee of 1.068% of the amount of the loan for loans disbursed from October 1, 2015, through September 30, 2016.

    Direct Unsubsidized Loan limits:

    There are three limits or caps on the amount of Direct Unsubsidized loans that students who are enrolled at AUACOM and are eligible for federal financial aid may obtain: the first limit or cap is on the amount of Direct Unsubsidized loans that a student may borrow in any award year; that limit is $20,500. The second limit or cap is on the amount that a student may borrow in Federal Direct loans in the aggregate. (This includes not only the amount of Direct Unsubsidized loans that the student obtained during his/her education at AUACOM but the amounts of any Direct loans whether Subsidized, Unsubsidized or Federal Family Education Loan (FFEL) Program that the student may have received at any other institution or educational program, undergraduate, graduate, non degree granting or otherwise). The aggregate limit is $138,500. The third limit or cap on the amount of Direct Unsubsidized loans that a student may obtain is the amount of AUA’s Cost of Attendance for the semester in which the loan is obtained minus the amount of “Estimated Financial Aid” that a student may receive to pay the Cost of Attendance for that semester. (see AUACOM’s Academic Catalog for its Cost of Attendance). Estimated Financial Aid, which is considered in determining the amount of Direct Unsubsidized loans that a student may obtain includes, but is not limited to: other federal financial aid, scholarships, grants and private loans. For more information on what types of financial aid will be included in determining the limit on Direct Unsubsidized loans that a student at AUACOM may obtain, click here.

    Interest accrual on Direct Unsubsidized Loans:

    Students are responsible for interest payments on their Direct Unsubsidized loans while in school. Interest begins accruing upon the first disbursement. A student may pay the interest monthly while still in school or he/she may capitalize the interest by allowing it to accrue and be added to the principal amount of the loan. In this latter case, when the loan goes into repayment, students will pay interest on the original amount of the loan and the amount of interest that accrued from the date that the loan was disbursed until the loan is repaid.

    Repayment of Direct Unsubsidized Loans:

    Repayment begins six months after the student graduates, withdraws or is dismissed or withdrawn from AUACOM. This time frame is known as the grace period. The standard repayment period is ten years from the date that the loan goes into repayment. For more information on repayment options click here.

    For additional information on Federal Direct Unsubsidized loans, please click here.

    Federal Direct Grad Plus Loans

    The interest rate for Federal Grad Plus loans disbursed from July 1, 2015 through June 30, 2016 is 6.84%. For more information on interest rates for Grad Plus loans, click here.

    Grad Plus Loan fees:

    A student who obtains a Federal Grad Plus loan must pay an origination fee of 4.272% of the amount of the loan for loans disbursed from October 1, 2015, through September 30, 2016.

    Grad Plus Loan limits:

    Direct PLUS loan amounts are limited only by the Cost of Attendance at AUACOM for the semester in which the loan is obtained minus the amounts of “Estimated Financial Aid” that the student receives to pay the Cost of Attendance for that semester. Estimated Financial Aid, which is considered in determining the amount of Grad Plus loans that a student may obtain includes, but is not limited to: other federal financial aid including any Direct Unsubsidized loans that the student may obtain for the semester, scholarships, grants and private loans. For example, if the Cost of Attendance at AUACOM for Semester 1 is $30,000 and the student is granted a $5,000 scholarship for that semester, the student will be eligible to borrow $20,500 through a Direct Unsubsidized Loan and $4,500 through a Grad Plus loan.

    Calculation:
    COA: $30,0000

    Scholarship: ($5,000)
    Less Federal Direct Unsub Loan: ($20,500)
    Remaining Grad Plus Eligibility: $4,500

    For more information on what types of financial aid will be included in determining the limit of amount of Grad Plus loans that a student at AUACOM may obtain, click here.

    Interest accrual on Grad Plus Loans:

    Students are responsible for interest payments on their Direct Grad Plus loans while in school. Interest begins accruing upon the first disbursement. A student may pay the interest monthly while still in school or he/she may capitalize the interest by allowing it to accrue and be added to the principal amount of the loan. In this latter case, when the loan goes into repayment, students will pay interest on the original amount of the loan and the amount of interest that accrued from the date that the loan was disbursed until the loan is repaid.

    Repayment of Grad Plus Loans:

    Repayment of Grad Plus loans begins immediately after the student graduates, withdraws or is dismissed or withdrawn from AUACOM. There is no grace period for Direct PLUS Loans—the repayment period for a PLUS Loan begins on the day after the final loan disbursement is made. The first payment will be due within 60 days after the loan is disbursed. However, AUACOM students can defer repayment while they are enrolled in school. Note, that interest accrues while loans are in deferment. The standard repayment period is ten years from the date that the loan goes into repayment. For more information on repayment options click here.

    For additional information on Federal Grad Plus loans, please click here.

     

    Receiving and Using the Money

    The application processing and receipt of your Award Letter takes 3 to 4 weeks. The school will credit the student’s account for tuition, fees and other institutional charges within 3 days of receipt and, within 14 days, deliver any credit balance to the student. These funds are sent to your declared bank account. (AUACOM recommends that you use a U.S. bank account and sign up for the EFT system). Please click here to enroll in our direct deposit service.

    Login User name = AUA Student ID (email bursar@auamed.org in you don’t know Student ID)

    Login Password = Full Last name (First letter UPPER case) + last four digits of student ID

    Example: John Smith ID 123456, pw=Smith3456 

    AUACOM is required to obtain your permission to credit your account or pay any obligation directly to any third party for “non institutional charges” such as housing, health insurance, utilities, parking, transportation, textbooks and other charges. To grant permission for AUA to do so, complete and return the Student Loan Authorization form.

    American University of Antigua’s Office of Financial Services is located in AUACOM’s main building on its campus. Students may also contact the Office at studentfinancialservices@auamed.org, or by telephone at 877-666-9485 or visit the office of Manipal Education Americas, AUACOM’s agent, at its offices at 1 Battery Park Plaza, 33rd fl., New York, New York 10004. Your assigned financial aid counselor is listed below.   Please feel free to contact your counselor with any questions you may have about the loan process as well.

    List of Student Financial Services Staff and email addresses:

    Edward Keough

    Director of Financial Aid

    Email: EKeough@auamed.org

     

    Lynnise Pimentel

    Assistant Director of Student Financial Services

    Email: LPimentel@auamed.org

     

    Charlene Burgess

    Sr. Debt Management Counselor

    Email: CBurgess@auamed.org

     

    Stanley Jean-Louis

    Debt Management Counselor

    Email: SJeanlouis@auamed.org

     

    Marisol Tejeda

    Student Financial Services Advisor

    Email: MTejada@auamed.org

     

    Derek Warner

    Financial Literacy Advocate

    Email: DWarner@auamed.org

     

    Semone Octave

    Financial Aid Assistant

    Email: SOctave@auamed.net

    Scholarships

    AUA offers a limited number of scholarships to students who meet its scholarships criteria. For more information about the scholarships that AUA offers, please click here.

    Financial Literacy

    Financial Literacy is the ability to understand and analyze your finances and your financial opportunities. The decisions you make now, from choosing which student loan to borrow and how much to borrow, to how you use a credit card, will affect you for years after you graduate. AUACOM’s Office of Student Services provides debt management and counseling. Feel free to contact the Office for this service.

    Financial Aid Code of Conduct

    As a participating institution in the administration of Federal financial aid, American University of Antigua College of Medicine has a Financial Aid Code that is compliant with federal law.

    Any American University of Antigua officer, employee, or agent who has responsibilities with respect to AUACOM’s U.S. students’ educational loans must comply with this code of conduct.

     

    1. Neither American University of Antigua (“the University”) as an institution or any individual officer, employee or agent of the University shall enter into any revenue-sharing arrangements with any lender. A revenue-sharing arrangement means an arrangement between the University and a lender under which the lender provides or issues loans to students attending the University or to the families of such students; and the University recommends the lender or the loan products of the lender and in exchange, the lender pays a fee or provides other material benefits, including revenue or profit sharing, to the University or its agent.
    2. No officer or employee of the University who is employed in the financial aid office or who otherwise has responsibilities with respect to education loans, or any of their family members, shall solicit or accept any gift from a lender, guarantor, or servicer of education loans. For purposes of this prohibition, the term “gift means any gratuity, favor, discount, entertainment, hospitality, loan, or other item having a monetary value of more than a de minimums amount.
    3. An officer or employee of the University who is employed in the financial aid office or who otherwise has responsibilities with respect to education loans, or an agent who has responsibilities with respect to education loans, shall not accept from any lender of affiliate of any lender any fee, payment, or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.
    4. The University shall not: for any first-time borrower, assign, through award packaging or other methods, the borrower’s loan to a particular lender; or refuse to certify, or delay certification of, any loan based on the borrower’s selection of a particular lender or guaranty agency.
    5. American University of Antigua shall not request or accept from any lender any offer of funds to be used for private education loans (non-Title IV loans), including funds for an opportunity pool loan, to students in exchange for the institution providing concessions or promises regarding providing the lender with:

    A)    specific number of loans made, insured, or guaranteed under Title IV,

    B) a specified loan volume of such loans,

    C) a preferred lender arrangement for such loans.

    1. American University of Antigua shall not request or accept from any lender any assistance with the call center staffing or financial aid office staffing.
    2. Any employee who is employed in the financial aid office, or who otherwise has responsibilities with respect to education loans or other student financial aid, and who serves on an advisory board, commission, or group established by a lender, guarantor or group of lenders or guarantors, shall be prohibited from receiving anything of value from the lender, guarantor, or group of lenders or guarantors, except that the employee may be reimbursed for reasonable expenses incurred in serving on such advisory board, commission, or group.

     

    Step-by-Step Guide to Applying for a Direct Unsubsidized or Grad Plus Loan:

    The following are the steps that a student must take in order to obtain a Federal Direct Unsubsidized or Grad Plus loan:

    1. Obtain or recover a Federal Financial Aid ID (“FSA ID”). To obtain or recover an FSA ID, log on to https://fsaid.ed.gov/ and follow the steps to create or recover an FSA ID.
    2. Complete and submit the Free Application for Federal Student Aid (FAFSA) for the 2015-16 year. To do so, log on to the FAFSA website at www.fafsa.gov; select “foreign” from the State drop down menu; enter the school’s name: American University of Antigua College of Medicine, and enter the AUA Federal School Code, which is 042401. A student may complete and submit a paper FAFSA. Please call the Federal Student Aid Information Center at 1-800-4FED-AID (1800-433-3243) for information and instructions on how to do this. AUACOM students are graduate students. As a result, AUACOM’s student will be classified as independent. A student who is independent is not required to provide any information about his/her parents. If the student is married or has dependents, the student must include his/her spouse’s and dependents’ information on the form. In order to simplify this task and ensure that the information that the student provides is the same as that which the student had provided to the IRS on his/her most recent income tax return, FAFAS provides an IRS Data Retrieval Tool that allows the student both to access his/her IRS tax return and the return of his/her spouse and to transfer the data from the returns directly into their FAFSA. For more information on completing and submitting the FAFSA click here.
    3. Complete entrance counseling for the Direct Unsubsidized Loan and/or for the Grad PLUS Loan if applying for this type of loan. To do this, log onto www.studentloans.gov.
    4. If applying for a Direct Unsubsidized loan, log onto www.studentloans.gov and complete a Master Promissory Note (MPN) for that loan. You will need your FSA ID to sign in. If applying for a Grad Plus, Loan, do the same for that loan. In order to complete an MPN for a Grad Plus loan, you must first apply for the loan by clicking the “Apply for Plus Loan” link on the studentloans.gov homepage and complete the application. If applying for both a Direct Unsubsidized loan and a Grad Plus loan, complete and submit an MPN for each type of loan. An MPN is the legal document that sets forth your promise to repay the United Stated Department of Education the principal amount of the loan and any accrued interest or fees in accordance with the terms of the loan The MPN explains the terms and conditions of the loans. You must complete and submit a new MPN for each type of federal loan that you will apply for during each award year that you are enrolled at AUACOM. Although you may have previously signed an MPN to receive a Federal Family Education Loan (FFEL) or a Direct loan while enrolled at a school other than AUACOM, that MPN cannot be used to borrow Direct or Grad Plus loans at AUACOM because there are special rules for institutions like AUACOM that are located outside of the U.S. Save and retain a copy of your MPN(s) after you complete the form electronically. You do not need to provide AUACOM with a copy since AUACOM will receive electronic notification once you have completed the MPN.
    5. GRAD PLUS loans require a credit check, which is the last step in the application process for a Direct Plus loan. You will receive a response to the credit decision almost immediately. A student with an adverse credit history may not be eligible for a Direct Plus loan. An adverse credit history is defined as (1) being more than 90 days late on one or more debts with a total combined outstanding balance greater than $2,085 (as of the date of the credit report), or that have been placed in collection or charged off (written off) during the two years preceding the date of the credit report; or (2) within the past five years being subjected to a default determination, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment or write off of a Title IV debt. A Direct PLUS Loan borrower with an adverse credit history who is denied may still receive a Direct PLUS Loan if he/she obtains an endorser who does not have an adverse credit history and the borrower completes Plus Counseling. The endorser is responsible for repaying the Direct PLUS Loan if the borrower fails to do so. The borrower may also appeal the denial.
    6. Complete the VFAO Interview by clicking on this link (approximately 20 minutes to complete). The VFAO Interview can also be found at https://auamed.vfao.com. Click “Start an Interview” and answer the required questions for the award year, which is two semesters in length. The VFAO will communicate notices to you via email. You will use the VFAO to request loan amounts, view your approved loans and accept or change your loan amounts.
    7. Complete the AUA Financial Aid Form. Students who have completed Steps 1-6 must complete AUACOM’s Financial Form and return it to the Office of Student Financial Services on campus, by fax at 1-646-417-6220 or by email at StudentFinancialServices@auamed.org

    The Office of Student Financial Services is available on campus, by phone at 1-877-666-9485 or email StudentFinancialServices@auamed.org.

    Student Financial Services (SFS) provides advice to students about financing their education. SFS representatives provide personalized services, including but not limited to:


    • Budgeting

    • Recommendations on improving, repairing, or establishing credit

    • One-on-one credit counseling

    SFS does its utmost to help students obtain funding for a quality education. Students are encouraged to pursue outside grants and scholarships. Representatives are happy to speak with both current and prospective AUA students.

    For more information, please email an SFS representative at studentfinancialservices@auamed.org or call 877-666-9485.

    AUA is approved by the Canadian Ministry of Education, allowing eligible students to receive Canadian federal loans, provincial loans, and participate in grant programs.

    The Canada Student Loans Program (CSLP) offers loans, grants, and repayment assistance to full-time and part-time students seeking postsecondary education. Student financial assistance is provided through a partnership between the CSLP and most provinces and territories. However, Quebec and the Northwest Territories manage their own programs.

    Please note that certain Provinces and Territories designate schools once they are approved by the Canadian Ministry of Education and placed on the Master Designation List (MDL). Other Provinces and Territories have additional criteria in addition to requiring a student to initiate an application for school designation. The provinces and territories that have been approved thus far are:
    • Alberta
    • British Columbia
    • Manitoba
    • New Brunswick
    • New Foundland/Labrador
    • Ontario
    • Prince Edward Island
    • Saskatchewan
    • Territory of Yukon

    The approval process may take up to 12 weeks. The provinces of Manitoba and Nova Scotia have not been approved to date. In addition to being on the MDL, these provinces also require a student to request school designation by completing an application, which can be found on their student aid websites.

    OUR FOUR-DIGIT EDUCATIONAL INSTITUTION CODE IS: ZUCL. 

    Applying for a student loan is easy!

    Step 1: Determine if you are eligible for a Canada Student Loan. Find out if you are eligible for a Canada Student Loan.

    Step 2: Complete the application. One form is all you need to be assessed for loans and grants. Apply online through the Provincial and Territorial Student Financial Assistance offices. You can speed up the process by submitting your application online, or allow four to six weeks by mail. Specific application procedures are determined by province/territory. Application procedures are based on where you are a permanent resident. If you are a permanent resident of OntarioBritish ColumbiaSaskatchewanNew Brunswick, or Newfoundland and Labrador:

    • Complete one application and submit it to your province of permanent residence.
    • You are assessed for both federal and provincial student loans and grants.
    • You may be eligible to receive one loan: a combination of federal and provincial student loans.
    • You manage and repay your student loan through the National Student Loans Service Centre (NSLSC).

    If you are permanent resident of AlbertaManitobaNova Scotia or Prince Edward Island:

    • Complete one application and submit it to your province of permanent residence.
    • You are assessed for both federal and provincial student loans and grants.
    • You may be eligible to receive two loans: one from the Government of Canada and the other from your provincial government.
    • You manage and repay your loans through two loan providers: the NSLSC website for your Canada Student Loan, and your provincial government’s student financial assistance office or their service provider for your provincial loan.

    If you are permanent resident of Yukon:

    • You apply for a Canada Student Loan through Yukon Student Aid.
    • You are assessed for both federal and territorial grants as well as a Canada Student Loan.
    • You manage and repay your student loan through the NSLSC.

    If you are a permanent resident of the Northwest TerritoriesNunavut:

    • You apply to your province or territory of a permanent residence for student loans.
    • Canada Student Loans and Canada Student Grants are not available. These jurisdictions operate their own student loan programs, which are partly funded by the federal government.
    • You manage and repay your student loan to your province or territory of permanent residence.

    If you are a permanent resident of Quebec:

    • Student loans are not available to medical students attending outside of Quebec.

    Need help? Contact your provincial or territorial student financial assistance office. Note: You must reapply for a Canada Student Loan every school year.

    Step 3: Check your mail or email for your Notice of Assessment. Your Notice of Assessment will tell you if you qualified for a loan or grant. You may receive it by mail, or email. If you qualified:

    If you are not approved for funding or you are not happy with the approved amount:

    • Contact the student financial assistance office in your province or territory. There is a formal reassessment process for students who disagree with the amount they have been awarded. Amounts can be reassessed according to your province’s or territory’s own criteria and those of the federal government.

    Step 4: Review your loan documents and confirm enrollment with your school If you are approved, you must review your Master Student Financial Assistance Agreement:

    • Your MSFAA is a legally binding contract. It is important that you review it carefully and read the terms and conditions.
    • Check your personal information to make sure it is correct. If it is not, contact your provincial or territorial student financial assistance office.
    • Include your banking information and a voided cheque if you want your money to be deposited directly into your bank account.
    • The MSFAA is a multiyear agreement. The next time you apply for student financial assistance, you won’t have to sign and submit a new MSFAA. Just complete and submit an application through your province of residence and wait for your Notice of Assessment to come by mail or online.
    • Before you can receive your student loan and/or grant money, your school must confirm you are enrolled full-time at a designated postsecondary institution.
    • A Confirmation of Enrollment may be completed electronically by your school, or a Confirmation of Enrollment form will be mailed to you or your school.

    Step 5: Sign your student loan documents. Make sure you fully understand your responsibilities and commitments before signing. Your loan agreement is a legal document, and your signature means you agree to be bound by its terms and conditions. Once you’re sure that all the information is correct, and you have read and accepted the terms and conditions, sign your agreement. Step 6: Submit your loan documents. Submit your completed and signed MSFAA. Bring the following identification to a Canada Post outlet:

    1.  A valid photo identification issued in Canada by the federal or a provincial or territorial government, such as a:

    • valid driver’s license
    • passport
    • provincial health card with a photo
    • permanent residency or citizenship card
    • certificate of Indian status
    • federal or provincial employee identification card
    • Record of Landing accompanied by an expired Permanent Residence Card

    2.  A document proving that the Social Insurance Number (SIN) on your loan or grant authorization document is yours. For example, you can show your SIN card or present an official Government of Canada document that has your SIN on it, such as a:

    • Canada Revenue Agency Notice of Assessment
    • Canada Pension Plan Statement of Contributions
    • Confirmation of Social Insurance Number from Service Canada
    • temporary SIN card

    3.  Bring your signed MSFAA. Don’t forget to attach a voided cheque or fill out your banking information. Step 7: Wait for your money to arrive! Your loan or grant money will be deposited directly to your bank account.

     

    American University of Antigua (AUA) College of Medicine offers its students an exceptional education at an affordable rate. The following pages include information regarding tuition and fees, our loan program, scholarship opportunities, and student financial services. All amounts are in USD unless otherwise noted.

    Basic Sciences Antigua — Semesters 1–4, February 2016

    Tuition per Semester* $17,350
    Health Insurance per Semester $726
    Additional Fees:
    Basic Sciences Subject Shelf Exam (Semesters 2 and 4) $165
    Student Government Association (Semesters 1 through 4) $75
    Basic Life Support Certification (Semester 1) $75
    Pre-Advanced Cardiology Life Support  (Semester 2) $40
    Advanced Cardiology Life Support Certification (Semester 4) $250

    Clinical Sciences — Semesters 5–10, (as of July 2015)

    Tuition per Semester* $17,900
    Tuition per Semester – Florida International University* $23,000
    Health Insurance per Trimester Premium Period $484
    Additional Fees:
    Comprehensive Shelf Exam (Additional Attempts – Post-Fifth Semester, Pre-Sixth Semester) $150
    Core Shelf Exam (No Charge, First Attempt for Semesters Six through Ten) $100
    Step II CK Comprehensive Exam (Semesters Six through Ten) $150

    Additional fees for Step I and Step II CS/CK exams, payable to the Educational Commission for Foreign Medical Graduates (ECFMG), can be viewed here.

    Deposits

    A $500 seat deposit is due no later than 14 days after receipt of your medical school acceptance letter. A $750 housing deposit is due as soon as possible after you have made contact with your new student coordinator. Housing is on a first-come, first-served basis based on the deposit date. Please be aware that both deposits are applied to overall student charges. If a student is granted a deferral, both deposits will be moved to the appropriate semester of matriculation.

    Health Insurance

    All actively enrolled students are required to have health insurance coverage. A limited benefit injury and sickness plan (United Healthcare) is automatically provided to all students who have not waived coverage; see more information here. The premium period for all Basic Sciences/College of Medicine students runs the course of the semester: February–July and August–January, at a cost of $726 per period. For pre-med, Fifth Semester, and Clinical Sciences students, the premium periods occur on a “trimester” basis: January–April, May–August, and September–December; at a cost of $484 per period. If you will be actively enrolled at any point within each premium period, you must have insurance coverage.

    For those of you who have not waived coverage and do not want to, you do not need to take any further action. You will automatically be charged and covered at the beginning of each premium period in which you are actively enrolled. For those of you who have already waived coverage, you also do not need to take any further action. You will not be charged or covered by the school insurance policy unless you request otherwise. If you believe you have waived insurance coverage but would like to confirm, please email insurance@auamed.org to ask if your account has been marked as waiving school insurance coverage.

    If you would like to waive the school insurance policy, you need to do so in advance of the start of the coverage period. For all Basic Sciences/College of Medicine students; You need to provide adequate proof of your own coverage before February 1 (for the spring semester) or August 1 (for the fall semester). For pre-med students; You need to have provided adequate proof of your own coverage before January 1st (for the spring trimester), May 1 (for the summer trimester), or September 1 (for the fall trimester). For Fifth Semester and Clinical Students; You need to have provided adequate proof of your own insurance before the start of any trimester premium period in which you will be actively enrolled.

    Adequate proof of insurance can be as simple as providing a copy of the front and back of your insurance card. It must have your name on it! If you are covered by someone else, we will need to see documentation from the insurance company identifying you as being covered under their policy. Proof of insurance should be emailed to insurance@auamed.org stating that you would like to waive the school-provided health insurance coverage.

    Housing and Housing Damages Deposit

    New students are required to live in student housing for one semester and must pay a $1,000 housing damages deposit (HDD). Both rent and HDD are due prior to the start of classes along with all other charges for tuition and fees per due dates specified on student tuition billing statements. The HDD will be held until the first semester housing obligation is met. At the end of the lease — after the student has moved out, the apartment has been inspected, and appropriate damages or replacement charges have been posted — the HDD will be credited back to the student’s account.

    University Refund Policy

    Refunds are given only for tuition and only when students officially withdraw and a credit balance condition results from the appropriate tuition adjustment. Refunds are not given for leaves of absence. Official withdrawal forms can be obtained from the campus registrar’s office. Clinical students should contact the New York registrar for the proper forms.

    Tuition credit adjustments will be given according to the following:

    • Official withdrawal prior to the first day of class – Credit adjustment for 100% of tuition.
    • Official withdrawal after the start of classes — Prorated credit adjustment for tuition based on the percent of time not attended after the official date of withdrawal.  There will be no tuition credits after 60% of the semester has passed. Click HERE for sample calculations.

    Other Information

    Estimated food and entertainment expenses — $2,500  per semester.

    Bus service (from the seven housing options to the AUA campus) — $450 per semester.

    Campus parking permit — $150 per semester.

    Required textbooks and clinical attire (lab jackets, scrubs, and patient exam kits) may be purchased through the University bookstore, or from other sources.

    *Tuition and fees are subject to change as deemed appropriate by the Executive Committee.

    You graduated at the top of your class. You’ve been recognized by your community as a leader. We’ve noticed. American University of Antigua offers qualified students a variety of scholarship opportunities, that reward academic excellence and community and volunteer service. Unless otherwise noted, all scholarships require recipients to maintain Satisfactory Academic Progress (SAP) along with promotion to the next semester. These scholarships include:

    The Antiguan Tuition Grant

    • A limited number of Antiguan Tuition Grants are available only to Antiguan citizens currently enrolled at AUA.
    • The grant provides full tuition for the entire medical education program leading to an MD degree. The grant does not cover room, board, transportation, or educational supplies.
    • Some or all clinical rotations may be scheduled at sites in CARICOM nations. Further, the tuition grant for Clinical sciences covers base AUA clinical rotations costs. For other programs such as the FIU certificate program, the grant will cover up to the base AUA clinical semester cost. The difference in cost will be the responsibility of the student.
    • Students must meet Satisfactory Academic Progress each semester to continue eligibility.
    • AUA cannot guarantee clinical placement in the United States, as immigration to the United States is at the discretion of the U.S. immigration authorities.

    The Montserrat Tuition Grant

    • One grant per every calendar year is awarded to a citizen of Montserrat enrolling into AUA.
    • The grant provides full tuition for the entire medical education program leading to an MD degree. The grant does not cover room, board, transportation, or educational supplies.
    • Some or all clinical rotations may be scheduled at sites in CARICOM nations. Further, the tuition grant for Clinical sciences covers base AUA clinical rotations costs. For other programs such as the FIU certificate program, the grant will cover up to the base AUA clinical semester cost. The difference in cost will be the responsibility of the student.
    • Students must meet Satisfactory Academic Progress each semester to continue eligibility.
    • AUA cannot guarantee clinical placement in the United States, as immigration to the United States is at the discretion of the U.S. immigration authorities.

    Admissions Committee Scholarship for Academic Achievement

    • Limited scholarships are awarded to students who have demonstrated academic excellence. The admission committee nominates all candidates for this scholarship.
    • A grant of $3,500 per semester covering the four Basic Sciences semesters and the Fifth Semester, will be awarded to those students with an undergraduate GPA of at least a 3.8 and a prerequisite GPA of at least a 3.5. The grant does not cover room, board, transportation, or educational supplies.
    • Students must have a High Pass each semester to continue eligibility each semester.
    • Students are identified during the Admissions enrollment process and are notified of their award by the Scholarship Coordinator upon acceptance into the University. Student need not apply for this scholarship as they are automatically awarded if qualified.

    The American Association of Physicians of Indian Origin (AAPI) Scholarship for Students of Indian Descent

    • A limited number of scholarships provide half tuition covering the four Basic Sciences semesters at AUA. The scholarship does not include room, board, transportation, or educational supplies.
    • All applicants must submit an application with a copy of their passport and an essay outlining their academic success and challenges, community service, and/or professional achievements and recognition.
    • AUA applicants must possess an overall undergraduate GPA of 3.5 or higher and a prerequisite GPA of 3.25 or higher.
    • Students must meet Satisfactory Academic Progress each semester to continue eligibility.
    • To apply, download the application here: AAPI.

    CARICOM Tuition Grant

    • AUA is pleased to assist the career aspirations of students from the Caribbean community (CARICOM) by offering a special tuition grant.
    • All Applicants must submit an application along with a copy of their passport, birth certificate, and proof of address.
    • CARICOM citizens who are accepted into AUA will receive a 30% grant off their tuition cost. The Tuition Grant does not include room, board, transportation, or educational supplies.
    • The Tuition grant will cover the four semesters of Basic Sciences.
    • Students must meet Satisfactory Academic Progress each semester to continue eligibility.
    • To apply, download the application here: CARICOM.

    Scholarship for Indian Citizens and Residents

    • A limited number of scholarships covering $2,000 per semester at AUA, for the four Basic Sciences Semesters, will be awarded to those students entering AUA that are both citizens and residents of India. The scholarship does not include room, board, transportation, or education supplies.
    • All applicants must submit an application along with proof of residency in India (no older than two months from application date), copy of passport, and a one-page personal statement indicating why you should be considered for the scholarship.
    • Applicants who have taken college-level coursework in the US or Canada are ineligible for this scholarship.
    • AUA applications will be individually considered based on a holistic review of their transcripts and other documents.
    • Students must meet Satisfactory Academic Progress each semester to continue eligibility.
    • To apply, download the application here: CRI.

    AUA Research Grant

    • The AUA Research Grant is awarded to clinical students who are involved in research opportunities that have been published or presented at the Regional, National, or International levels.
    • A grant of $500 is awarded to those students who fulfill the following criteria:
      • Enrolled and in good standing with AUA
      • Presently in a clinical semester (Semesters Six through Ten)
      • The research paper should have identified (in the acknowledgments) AUA as the student’s affiliation.
      • AUA Research Grants must be recommended by the Executive Dean of Clinical Sciences, AUA, and the chair of AUA’s research Committee.
    • To apply, download the application here: RGF.

    Physician’s Diversification Initiative Grant

    • A grant of $5,000 per semester covering the MD program will be awarded to qualified students who are underrepresented in medicine. The grant does not include room, board, transportation, and educational supplies.
    • All applicants must submit a completed application along with an essay of no more than 500 words, a list of certificates and awards, copy of their passport, and a letter of recommendation separate from ones used during the enrollment process.
    • AUA applicants must possess both an undergraduate and prerequisite GPA of 3.25 or higher, must be a U.S. citizen or permanent resident, and fit into one of the underrepresented categories as listed on the application.
    • Underrepresented in medicine means those racial and ethnic populations that are underrepresented in the medical profession relative to their numbers in the general population (please see application)
    • Students must meet Satisfactory Academic Progress each semester to continue eligibility.
    • To apply, download the application here: DIG

    U.S. Military Veterans Recognition Grant

    • A grant of $2,500 per semester covering four semesters of the Basic Sciences and the Fifth Semester, will be awarded to U.S. military veterans who have served in the U.S. Armed forced on active duty, either currently or with an honorable discharge. The grant does not include room, board, transportation, and educational supplies.
    • All applicants must provide a completed application along with a DD214 form demonstrating eligibility.
    • Students must meet Satisfactory Academic Progress each semester to continue eligibility.
    • To apply, download the application here: USM.

    The EMT/Paramedic Recognition Grant

    • A grant of $1,500 per semester, covering four semesters of the Basic Sciences and the Fifth Semester, will be awarded to certified EMT’s or paramedics that have been accepted to AUA. The grant does not include room, board, transportation, and educational supplies.
    • All applicants must provide a completed application along with proof of current certification.
    • Students must meet Satisfactory Academic Progress each semester to continue eligibility.
    • To apply, download the application here: EMT.

    Sibling Discount

    • American University of Antigua College of Medicine (AUA COM) and the American International College of Arts and Sciences in Antigua (AICASA) are pleased to offer a tuition discount to siblings or a spouse who are enrolled concurrently in a full time program at AUA COM or AICASA. In order to qualify for the discount, all siblings must be enrolled full-time for each semester of eligibility.
    • Award Amount: 20% tuition discount on the lowest tuition of one sibling

    Eligibility Requirements:

    • A copy of your birth certificate or other legal document showing you have the same parent
    • Must be enrolled concurrently if one leaves through withdrawal or graduation the discount is no longer applied
    • May be enrolled in either AUA COM or AICASA to qualify discount is applied to the lowest tuition.

    Before You Apply for One of These Scholarships, Please Make Sure You Have the Following:

    • Completed enrollment application (as applicable to AUA).
    • Completed scholarship application.
    • Copies of all your transcripts from all schools/colleges/universities attended (if not already submitted to Admissions Department).
    • Letter of recommendation specifically for scholarship from a professional or academic source.

    All Applications Should Be Submitted to:

    Admissions Department
    ATTN: Shyam Dharia
    Scholarship Coordinator
    Manipal Education Americas, LLC, Representative for:
    American University of Antigua
    One Battery Park Plaza, 33rd Floor
    New York, NY 10004
    sdharia@auamed.org
    Phone: 212-661-8899 x195
    Fax: 973-498-7707

    AUA recognizes the service and sacrifice of U.S. military veterans. The Department of Veterans Affairs (VA) has approved VA educational benefits to all qualifying students attending AUA College of Medicine. Eligible persons may receive veterans benefits under one of the following:


    • Chapter 30 — Montgomery GI Bill

    • Chapter 31 — Disabled Veterans Vocational Rehabilitation Program*

    • Chapter 32 — Veterans Educational Assistance Program (VEAP)

    • Chapter 33 — Post 9/11 GI Bill

    • Chapter 35 — Dependents Educational Assistance Program

    • Chapter 1606 — Montgomery GI Bill/Selected Reserve Educational Assistance Program

    • Chapter 1607 — Reserve Educational Assistance Program (REAP)

    We encourage all interested VA applicants to visit the Department of Veterans Affairs (VA). Please click the Road Map for Success to begin the process.* Once you have completed your Road Map for Success you will receive your Certificate of Eligibility, which you will need to submit to our VA representatives at American University of Antigua. AUA also offers veteran applicants a $2,500 U.S. Military Veterans Recognition Grant during Basic Sciences. For additional information, visit our scholarship webpage.

    For further details, please contact our VA representative, Ms. Lynnise Pimentel at lpimentel@auamed.org or visit the VA website.

    *Benefits vary by state. 

     

     

    Tuition and Financial Aid