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Financial Aid Information

Contacting Financial Aid Cost of Attendance Financial Aid Basics Billing and Payment


Emily Gonzalez is the financial aid advisor for The College of Veterinary Medicine. All student inquires should be sent to her email address at or by phone 614-247-8778.

Due to FERPA regulations, you must send any financial aid-related emails from your OSU email address. If you send a question or request from any other address, you will be asked to resend it properly. You can expect a response within 24-48 hours. During peak times (May, August, September, January and while working remotely due to COVID-19), please allow additional time for your question to be answered.


The Cost of Attendance (COA) is a figure determined by OSU and the College of Veterinary Medicine every year. The COA represents the annual estimated cost of the DVM program and considers tuition, books and supplies, housing, meals, etc., in the total.

Detailed 2021-2022 COA allowances for all years are available for review below:

Cost of Attendance 2021-2022




9 months (August-May)

9 months (August-May)

9 months (August-May)

12 months (May-May)

Direct Costs — Tuition and Fees

Total Tuition & University Fees (In-State)




$51,248 **

Non-Resident Fee (if applicable) *





Total Non-Resident Fees





Indirect Costs — Living Expenses, Books & Supplies

Rent, food, transportation, supplies, immunizations, etc.





Total Ohio Resident Cost of Attendance





Total Non-Resident Cost of Attendance

$96,026 $52,902 $52,876 $78,311

Please note, the COA does not include Student Health Insurance. If you are planning on using the university's insurance, be sure to account for that in your personal budget. you may also appeal to have this charge included in your overall COA by completing the Cost of Attendance Appeal form and submitting it. Submissions can be emailed to

* Students who are not considered residents of the state of Ohio are charged a Non-Resident Tuition Surcharge during their first year; during years 2-4 the charge is instead $5 per term. If you are interested in gaining residency for tuition purposes during your first year, or during years 2-4 for other purposes, please work with our residency office

** 4th year students attend and are charged for 3 semesters; because of the extra term of attendance, a larger living expense budget is included. 

The COA also represents the MAXIMUM amount of financial aid (financial aid includes both scholarships and loans) that a student may use for the academic year.


The College of Veterinary Medicine is committed to offering students financial resources, loan counseling, and budgeting assistance during their time at Veterinary School. Students may choose to fund their education through a variety of resources, including:

  • Personal or Family Contribution
  • Scholarships
  • Loan Assistance (federal or private)

Students planning to use Federal Financial Aid must complete the FAFSA (Free Application for Federal Student Aid) online. The priority deadline to complete the FAFSA is February 1st of each academic year. Be sure to include Ohio State's school code (003090) on your application. There is no code specific to The College of Veterinary Medicine.

Before filing the FAFSA, you must register for an FSA ID (a username and password you will create in order to log in to any federal aid website). You will be prompted to create your FSA ID on the FAFSA website. The FSA ID will take the place of your federal Personal Identification Number (PIN) if you have created one previously.

*International Students may receive federal aid only if they are an eligible non-citizen. If you do not qualify as an eligible non-citizen, then you will not be eligible for federal aid at OSU. You may want to check with your country’s embassy or government office to see if they have any programs or aid available for your international studies.


Scholarships and Grants are monies that do not need to be repaid after graduation or at any time. Students are notified about the availability of scholarships/grants via e-mail, fliers, and personal contact. All CVM students are strongly encouraged to take advantage of all available scholarship opportunities to help minimize their loan debt.

  • Admissions Scholarships
    • Awarded to incoming students based on test scores, admissions information, and interview scores
    • Contact CVM Admissions at (614) 292-1171 for more information
  • CVM Donor Scholarships
    • Award criteria based on:
      • city, county, state where you attended high school
      • reasons for pursuing a DVM degree
      • species-oriented interests in veterinary medicine 
  • Office of Student Financial Aid Scholarships
  • External Scholarship
    • Any scholarships not awarded through OSU.
    • All external scholarships must be reported as a resource on your OSU financial aid award summary; you are required to report these to

 Loan Options

Federal Loans


Federal Direct Unsubsidized Loan

Federal Direct Graduate PLUS Loan

Health Professions Student Loan

Application Process

Complete the FAFSA

Complete the FAFSA and ONLINE application

Complete the FAFSA before February 1st of the year prior with Parent Income Info

Credit Check Needed


Yes (Endorser may be used if credit check is denied)


Annual Borrowing Limit

Years 1- 3 $40,500

Year 4 $47,167

Up to remaining COA, after accounting for all other aid

Ranges based on rank and annual funding

Interest Rate & Terms

Please consult federal website for most recent interest rate information

Interest accrues while in school

Please consult federal website for most recent interest rate information

Interest accrues while in school

Fixed at 5%

Interest does NOT accrue while in school, and up until 12 months after graduation

Origination fee

Consult federal website

Consult federal website



Begins 6 months after graduation, falling below half-time enrollment, or withdrawing from the University

Begins 6 months after graduation, falling below half-time enrollment, or withdrawing from the University

Begins 12 months after graduation, falling below half-time enrollment, or withdrawing from the University



Financial Aid Packaging Timelines
Year 1: Early May
Year 2: Early May
Year 3: Early May
Year 4: Late April

You will receive an email to your OSU email address when your Financial Aid Award Package for the upcoming year is available to view and accept. You will be prompted to log into your Buckeye Link Student Center to access your award information. Your Award Package will include any scholarships or loans for which you are eligible.

Accepting Awards on Buckeye Link


Scholarships (if eligible)

Unsubsidized Loan

Graduate PLUS Loan


Packaging Info

Automatically accepted on your Award Summary

Packaged as an “offer” on your Award Summary

Will not be included on your Award Summary unless you specifically apply for the loan

Packaged as an “offer” on your award summary only if you meet eligibility requirements

Action(s) Needed


  • Accept all or a portion of the loan online
  • Complete the Electronic Master Promissory Note and the online Entrance Counseling
  • Complete the HPSL Self-Certification form on your to-do list , and return to Financial Aid Advisor

Detailed instructions for accepting financial aid can be found here

Important Notes:

  • Loans are packaged for the entire academic year. The total amount you accept will be divided evenly between your terms of enrollment. If you are attending Autumn and Spring, your total loan amounts will be split in half. If you are attending Summer, Autumn, and Spring, your loans will be split in thirds.
  • If you originally accept less than the maximum on any of your loans, you may request the remaining funds at any point in the academic year, up until March of your Spring Semester.
  • Keep an eye on your Buckeye Link To-Do List. Any required financial Aid items (like the Promissory Notes or Entrance Counseling) will be listed there for you to complete. The Master Promissory Note and Entrance Counseling are valid for 10 years, so you should only need to complete these items once.


Statement of Account and Fee Deadlines

Your Statement of Account for each term will be available about a month prior to the first day of classes. You can view your statement of account on your Buckeye Link student center.

Tuition is billed by semester. Years 1-3 are billed for Autumn and Spring (2 terms). Fourth years are billed for Summer, Autumn, and Spring (3 terms, including clinical rotations). Fee deadlines and all important dates for each semester can be found here on the OSU Registrar’s website. 

Personal Payments

There is a 21 day encumbrance/holding period on any personal payments made on tuition. If you are planning on paying a portion of your fees out of pocket, and using loans to cover living expenses, your refund will be held about 21 days from the date of your personal payment. To prevent any delay of your refund, be sure to make your personal payment about one month in advance of the fee due date.

Financial Aid Payment

Provided all requirements are complete, financial aid will disburse to your Statement of Account 7-10 days prior to the start of each term. Your aid will first pay toward your tuition, fees, and miscellaneous charges. After all charges are paid, any excess funds will be sent to you as a refund for living expenses.

Direct Deposit for Financial Aid Refund

Students are encouraged to sign up for Direct Deposit to receive their refunds, as it is the quickest option. You can enroll in Direct Deposit through your Buckeye Link Student Center by clicking “Account Refund” under the Finances Section. If you do not enroll in Direct Deposit, a paper check will be mailed to the home address we have on file for you.