Current grant funding policies at Tufts University School of Dental Medicine preclude minority students with foreign parents from applying for favorable funding. Realigning our policies will boost minority student enrollment will giving these students an equal chance at financial success post-graduation.

1. Using Needs-Based Funds to Promote Racial
Inclusion, Diversity, and a Balanced Enrollment
at Tufts University School of Dental Medicine
*

2. * Created for Race & Ethnicity in Education
EDU 6051, SEC 4
Dr. Atira Charles
Northeastern University College of Professional Studies

3. *
*Demonstrate that minority students, particularly
those with foreign-born parents, are placed at a
financial disadvantage by our current grant policies
*Demonstrate that by re-aligning our grant
policies, we will not be harming current recipients
of needs-based funding
*Provide a model for targeting minority students who
are ineligible to apply for grant funding with the
maximum amount of needs-based funds available

4. *
*"If you look at who enters college, it now looks
like [a diverse] America…But if you look at who
walks across the stage for a diploma, it's still
largely the white, upper-income population."

5. *
*“At $22,886, the average amount Latinos
borrow is slightly lower than for blacks
($28,692), and white students ($24,742). But
many first-generation collegians say their
parents, often hoping their children get the
education they lack, offer little help in a
confusing maze of federal and private loans
that are often disguised as opportunity. “

6. *
*“The [Student Debt Crisis] report states that
27 percent of black bachelor's degree
holders had more than $30,500 in loans,
compared with 16 percent of white
bachelor's degree holders. More black
students who left school without finishing a
degree cited student debt as the reason than
their white peers – 69 percent versus 43
percent – and 74 percent of Latinos who opted
out of attending college cited finances as the
reason, the report states.”

7. * Nikki Lowe Lane (2013)
*

8. *

9. *
*Students with US parents (Citizens/Permanent
Residents) may apply for the best financial
aid, including the Tufts Grant
*Students with foreign-born parents may apply
only for federal student loans (no grants
available)

10. *

11. *
*Low cost, favorable student loan
*Only source of “good” needs-based aid
available to students who do not qualify to
apply for grant funding
*Awarded to students with $0 in resources and
educational debt above the average for their
class
*Targeted to absolutely neediest students

12. *

13. *

14. *

15. *

16. *

17. *

18. *

19. *
*Lower grant maximum for students with US parents
from $12,000 to $10,000
*Use excess funds to create a Minority Student
Grant
*MG amounts will be calculated based on amount of
accrued interest on a full Grad PLUS Loan
*This award will be given to minority students who
qualify for Perkins beginning in their first year.
*Minority students will be eligible to continue to
receive this grant so long as they maintain Perkins
Loan eligibility.

20. *
*Minority Student
*Eligible for:
*$4,000 Perkins Loan
*$42,722 Direct Unsubsidized Loan
*$50,996 Grad PLUS Loan
*MG = $4,029, replacing Grad PLUS
*Lowers year one borrowing by $4,029, interest
over four years by approximately $16,000.

21. *
*Minority Student
*Eligible for:
*$6,000 merit scholarship
*$42,722 Direct Unsubsidized Loan
*$44,996 Grad PLUS Loan
*MG = $3,555, replacing Grad PLUS
*Lowers year one borrowing by $3,555, interest
over four years by approximately $14,000.

22. *

23. *
*Needs-based grants only available to students
with US parents
*Limited Restricted (Endowed) Scholarship
opportunities for all students
* Harvard School of Dental Medicine Financial Aid Manual 2011-2012.

24. *
*Need-based grants only available to students
with US parents
*Some outside scholarship opportunities
available

25. *

26. *
*Ability to attract more minority student applicants
*Lower average debt levels for minority student
borrowers
*Lower average debt levels for ALL borrowers
*Only Boston-based dental school offering needs-
based grant funding targeted to students with
foreign parents
*More competitive option for minority student
dentists

27. *

28. *
* Boston University Medical Campus Student Financial Services. (2013). Retrieved May 18, 2013
from http://www.bumc.bu.edu/osfs/sdm/application2013-2014/.
* Equal Justice Works. (2013). How Student Debt Affects Women, Minorities. Retrieved May
16, 2013, from http://www.usnews.com/education/blogs/student-loan-
ranger/2013/05/01/how-student-debt-affects-women-minorities
* Harvard School of Dental Medicine Financial Aid Manual 2011-2012 (n.d.) Retrieved May
16, 2013 from http://hsdm.harvard.edu/file-richtext/FAManual_web_page_1112.pdf.
* Lane, Nikki Lowe. (2013). Multicultural Affairs Initiative to Support Cultural Needs of SDM
Community. Retrieved May 16, 2013 from
https://northeastern.digication.com/readfile.digi?localfile=Mbab2e4a6e2cd1ce205bd59a52df0
6ae1&filename=Nikki+Lane+Race+and+Ethnicity+Final+Project+Essay.pdf.
* Ramirez, Rosa. (2013). Minority Students are Saddled by Student Loan Debt. Retrieved May
16, 2013, from http://www.nationaljournal.com/thenextamerica/education/minority-
students-are-saddled-by-school-loan-debt-20130130.
* Thomas, Evan; Wingert, Pat. (2010). Minority Report. Retrieved May 16, 2013, from
http://www.thedailybeast.com/newsweek/2010/02/18/minority-report.html.