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College costs money, regardless of who is paying for it (parents, separated parents, student, relatives, scholarship/ loan grant, or employer). There is a juncture where academics and the cost of attendance meet. This is where the rubber meets the road!

Tuition and Fees/Room and Board are the basic costs for sitting in a classroom, sleeping, and eating. Costs are different for Maryland residents and non-residents. See tuition and fees at 
https://www.morgan.edu/tuitionandfees. Other expenses not included in the tuition and fees that should be considered when calculating the cost of attendance include books, supplies, and equipment.

Billing and Payment
Once a student registers for classes, a fee assessment (bill) is generated. A full payment or payment arrangements must be made by a specific date determined by the Office of the Bursar (Billing). Students’ bills are paid through direct cash/credit payments, a financial aid package, or a combination thereof to the Office of the Bursar, which is responsible for billing and collecting payments. Demonstrating the ability to pay and making financial arrangements by the required deadline is the single most important financial process and procedure to be understood and followed in order to keep your student in class, with a place to lay his/her head, and eating. Note: The bill is mailed to your student, not to you. Your student can also view his/her bill (student account) on WebSIS.

Free Application for Federal Student Aid (FAFSA)
The FAFSA is the federal application for financial aid to be completed by a prospective or currently enrolled student. The application is also used to verify the need for aid from other sources such as scholarships and loans. Each US citizen or permanent resident is required to file a FAFSA to be considered for any aid. Each year, starting October 1st, you and your student can begin to update the FAFSA for the next academic year. The FAFSA generates a Student Aid Report (SAR), which is downloaded to a university at the request of the applicant. Application deadlines for your state may be different from the federal deadlines. For more information about FAFSA and application deadlines, please go to fafsa.gov.

Financial Aid and Financial Aid Counselor
The Office of Financial Aid is responsible for the administration of all student financial aid programs such as federal loans and grants, institutional scholarships and federal work study employment programs. Once the FAFSA is completed and the SAR is downloaded to the University, the student is assigned a Financial Aid Counselor. Financial aid awards (whatever the source) are posted on WEBSIS and students must accept or decline loans and submit their decision. Student must make Satisfactory Academic Progress (SAP) to maintain their financial aid eligibility. To meet SAP requirements, students must pass a minimum of 67% of their attempted credits. Any questions about Financial Aid go to Montebello Complex A-203, (443) 885-3170.

Paying the Bill
We recommend having a family conversation regarding money matters, particularly bill payment. Some questions that should be answered are: What is the short term/long term cost of education? How much money does the family have available to support education over the long term? What is each person’s role in contributing to the cost of education? Who will manage and monitor the payment process?