{"text_format":"1","workbook":"xlsx","n_sheets":10,"sheets":["Instructions","Expense Planner","M1 Loan Planner","M2 Loan Planner","M3 Loan Planner","M4 Loan Planner","Revision Instructions","PLUS Instructions","Loan Review Instructions","What's Next"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Instructions","index":0,"n_rows":29,"n_cols":11,"rows_kept":29,"cut":false,"hidden":false,"merged":[[5,10,9,14],[1,1,2,7]]}
[]
[null,"Loan Planner Instructions"]
[]
[]
[]
[null,1,"Complete the Expense Planner tab",null,null,null,null,null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[]
[null,2,"Select the appropriate year (M1, M2, etc.) tab"]
[]
[null,3,"Fill in the Required Amounts in the Loan Planner"]
[]
[null,4,"Always review award status prior to revising or requesting loans at",null,null,null,null,"SAIL"]
[]
[null,5,"Complete a Revision Form or request a Graduate PLUS Loan as directed, if needed"]
[]
[null,6,"Enroll in direct deposit through","SAIL if","you have not already done so"]
[]
[null,7,"Consider enrolling in a Payment Plan at",null,"eBill if needed"]
[]
[null,8,"What's Next: Disbursements & Refunds and Helpful Resources"]
[]
[]
[null,null,"All First-time Unsubsidized Borrowers Must Also Complete: "]
[null,null,"Entrance Counseling"]
[null,null,"Master Promissory Note (MPN)"]
[null,null,"(Will be listed as Unsatisfied Requirements in SAIL until completed and system is updated)"]
[]
[null,null,"All Borrowers Are Advised to Annually Complete:"]
[null,null,"Student Loan Review "]

{"sheet":"Expense Planner","index":1,"n_rows":33,"n_cols":10,"rows_kept":33,"cut":false,"hidden":false,"merged":[[25,4,25,5],[26,4,30,5],[7,8,11,12],[17,1,22,2],[1,1,2,5],[21,5,22,5],[4,1,4,2],[4,4,4,5],[25,1,25,2],[26,1,32,2]]}
[]
[null,"Expense Planner"]
[]
[]
[null,"Fixed Monthly Expenses",null,null,"Variable Monthly Expenses"]
[null,"Rent/Mortgage",null,null,"Groceries/Household supplies",null,null,null,null," = Required Amount"]
[null,"Utilities",null,null,"Dining out"]
[null,"         Electric (Avg. $67)*",null,null,"Clothes",null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[null,"         Gas (Avg. $43)*",null,null,"Laundry/Dry cleaning"]
[null,"         Internet (Avg. $37)*",null,null,"Gas/Oil/Auto maintenance"]
[null,"         Water (Avg. $34)*",null,null,"Health/Beauty/Haircuts"]
[null,"Cellular phone",null,null,"Medical/Dental/Eye care"]
[null,"Vehicle payments",null,null,"Hobbies/Recreation"]
[null,"Auto insurance",null,null,"Other ______________________"]
[null,"Other ____________________",null,null,"Other ______________________"]
[null,"Total Fixed Expenses",null,null,"Total Variable Expenses"]
[]
[null,"* Do not include expenses for which you are not directly responsible. For example, if your family will pay your cell phone bill or car insurance, do not included those expenses on this worksheet as the purpose is to determine how much you should borrow to meet your remaining need. ",null,null,"Total Variable Expenses",{"$f":"SUM(F6:F15)","v":0}]
[null,null,null,null,"Total Fixed Expenses",{"$f":"SUM(C6:C15)","v":0}]
[null,null,null,null,"Total Monthly Expenses",{"$f":"SUM(F18:F19)","v":0},null,null,null," = Transferred to Loan Planner"]
[]
[null,null,null,null,"Select appropriate year tab below."]
[]
[]
[]
[null,"* Utility Averages",null,null,"Utility Bill Budget Plans"]
[null,"Please note that these averages were taken from the latest cost of living survey on record and are intended to provide a general reference.",null,null,"Optional plans which 'even out' monthly payments over the year to make budgeting these expenses easier. The utility company estimates total cost for the year and divides by twelve months to determine a monthly payment amount. They will periodically recalculate this amount."]
[]
[]
[]
[]
[null,null,null,null,"Electric - DTE Energy"]
[null,null,null,null,"Gas - Consumers Energy"]

{"sheet":"M1 Loan Planner","index":2,"n_rows":25,"n_cols":10,"rows_kept":25,"cut":false,"hidden":false,"merged":[[20,1,20,4],[4,1,4,5],[11,1,11,5],[1,1,2,5],[11,8,15,11],[6,1,6,2],[5,1,5,4],[7,1,7,4],[8,1,8,4],[12,1,12,4],[13,1,13,4],[14,1,14,4]]}
[]
[null,"M1 Loan Planner"]
[]
[]
[null,"Estimated Expenses"]
[null,"2016-2017 Tuition",null,null,null,51774]
[null,"Planned Monthly Expenses (Aug - May)",null,{"$f":"'Expense Planner'!$F$20","v":0},"x 10 months",{"$f":"D7*10","v":0},null,null,null," =  Transferred from Expense Planner"]
[null,"Books, supplies and diagnostic kit ($1500 included in Cost of Attendance)",null,null,null,0,null,null,null," =  Required Amount"]
[null,"One-time expenses (i.e. moving expenses)",null,null,null,0,null,null,null," =  Recommended Amount"]
[null,"Total Estimated Expenses",null,null,null,{"$f":"SUM(F6:F9)","v":51774}]
[]
[null,"Estimated Support",null,null,null,null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[null,"Awards and scholarships (SAIL)",null,null,null,0]
[null,"Savings and other resources (529s, MESP, MET, Americorps, etc.)",null,null,null,0]
[null,"Family support for tuition, books and supplies",null,null,null,0]
[null,"Total Estimated Support",null,null,null,{"$f":"SUM(F13:F15)","v":0}]
[]
[null,"Remaining Need",null,null,null,{"$f":"F10-F16","v":51774}]
[]
[null,"Recommended Unsubsidized Direct Loan (Including Federal Loan Fees)",null,null,null,{"$f":"IF((F18/(1-0.01068))<=42722,(F18/(1-0.01068)),42722)","v":42722}]
[null,"Recommended amount for each semester:",null,null,null,{"$f":"F20/2","v":21361}]
[null,"Instructions for completing a loan revision. ","(Complete if Recommended less than $42,722)."]
[]
[null,"Recommended Graduate PLUS Loan (Including Federal Loan Fees)",null,null,null,{"$f":"IF((F18/(1-0.01068))>42722,((F18-42266)/(1-0.04272)),0)","v":9932.308206585325}]
[null,"Instructions for requesting a Graduate PLUS Loan."]

{"sheet":"M2 Loan Planner","index":3,"n_rows":26,"n_cols":10,"rows_kept":26,"cut":false,"hidden":false,"merged":[[21,1,21,4],[12,8,16,12],[4,1,4,5],[12,1,12,5],[1,1,2,5],[5,1,5,4],[6,1,6,2],[7,1,7,4],[8,1,8,4],[9,1,9,4],[13,1,13,4],[14,1,14,4],[15,1,15,4],[20,8,26,12]]}
[]
[null,"M2 Loan Planner"]
[]
[]
[null,"Estimated Expenses"]
[null,{"$f":"'M1 Loan Planner'!$B$6","v":"2016-2017 Tuition"},null,null,null,51774]
[null,"Monthly budget (Aug - Jun)",null,{"$f":"'Expense Planner'!$F$20","v":0},"x 11 months",{"$f":"D7*11","v":0},null,null,null," = Transferred from Expense Planner"]
[null,"Books and supplies ($420 included in Cost of Attendance)",null,null,null,0,null,null,null," = Editable Cell"]
[null,"USMLE Step 1 Fees ($600 included in Cost of Attendance)",null,null,null,0,null,null,null," = Recommended Amount"]
[null,"One-time expenses",null,null,null,0]
[null,"Total Estimated Expenses",null,null,null,{"$f":"SUM(F6:F10)","v":51774}]
[]
[null,"Estimated Support",null,null,null,null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[null,"Awards and scholarships (SAIL)",null,null,null,0]
[null,"Savings and other resources (529s, MESP, MET, Americorps, etc.)",null,null,null,0]
[null,"Family support",null,null,null,0]
[null,"Total Estimated Support",null,null,null,{"$f":"SUM(F14:F16)","v":0}]
[]
[null,"Remaining Need",null,null,null,{"$f":"F11-F17","v":51774}]
[]
[null,"Recommended Unsubsidized Direct Loan (Including Federal Loan Fees)",null,null,null,{"$f":"IF((F19/(1-0.01068))<=44944,(F19/(1-0.01068)),44944)","v":44944},null,null,"*If you are borrowing to cover Step 1 Fees, the fee is generally due prior to the Winter refund. It is critical to manage your Fall refund to have enough to cover the Fee. Contact Financial Services if you have further questions. "]
[null,"Recommended amount for each semester",null,null,null,{"$f":"F21/2","v":22472}]
[null,"Instructions for completing a loan revision. ","(Complete if Recommended less than $44,944)."]
[]
[null,"Recommended Graduate PLUS Loan (Including Federal Loan Fees)",null,null,null,{"$f":"IF((F19/(1-0.01068))>44944,((F19-44189)/(1-0.04272)),0)","v":7923.4915594183522}]
[null,"Instructions for requesting a Graduate PLUS Loan."]

{"sheet":"M3 Loan Planner","index":4,"n_rows":26,"n_cols":10,"rows_kept":26,"cut":false,"hidden":false,"merged":[[21,1,21,4],[12,8,16,12],[1,1,2,5],[4,1,4,5],[12,1,12,5],[5,1,5,4],[6,1,6,2],[7,1,7,4],[8,1,8,4],[9,1,9,4],[13,1,13,4],[14,1,14,4],[15,1,15,4],[20,8,26,12]]}
[]
[null,"M3 Loan Planner"]
[]
[]
[null,"Estimated Expenses"]
[null,{"$f":"'M1 Loan Planner'!$B$6","v":"2016-2017 Tuition"},null,null,null,51774]
[null,"Monthly budget (Jul - Jun)",null,{"$f":"'Expense Planner'!$F$20","v":0},"x 12 months",{"$f":"D7*12","v":0},null,null,null," = Transferred from Expense Planner"]
[null,"Books and supplies ($270 included in Cost of Attendance)",null,null,null,0,null,null,null," = Editable Cell"]
[null,"USMLE Step 2 Fees ($1875 included in Cost of Attendance)",null,null,null,0,null,null,null," = Recommended Amount"]
[null,"One-time expenses",null,null,null,0]
[null,"Total Estimated Expenses",null,null,null,{"$f":"SUM(F6:F10)","v":51774}]
[]
[null,"Estimated Support",null,null,null,null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[null,"Awards and scholarships (SAIL)",null,null,null,0]
[null,"Savings and other resources (529s, MESP, MET, Americorps, etc.)",null,null,null,0]
[null,"Family support",null,null,null,0]
[null,"Total Estimated Support",null,null,null,{"$f":"SUM(F14:F16)","v":0}]
[]
[null,"Remaining Need",null,null,null,{"$f":"F11-F17","v":51774}]
[]
[null,"Recommended Unsubsidized Direct Loan (Including Federal Loan Fees)",null,null,null,{"$f":"IF((F19/(1-0.01068))<=47167,(F19/(1-0.01068)),47167)","v":47167},null,null,"*If you are borrowing to cover Step 2 Fees, it is critical to manage your refunds to have enough to cover the fees. Contact Financial Services if you have further questions. "]
[null,"Recommended amount for each semester",null,null,null,{"$f":"F21/2","v":23583.5}]
[null,"Instructions for completing a loan revision. ","(Complete if Recommended less than $47,167)."]
[]
[null,"Recommended Graduate PLUS Loan (Including Federal Loan Fees)",null,null,null,{"$f":"IF((F19/(1-0.01068))>47167,((F19-46663)/(1-0.04272)),0)","v":5339.085742938325}]
[null,"Instructions for requesting a Graduate PLUS Loan."]

{"sheet":"M4 Loan Planner","index":5,"n_rows":26,"n_cols":10,"rows_kept":26,"cut":false,"hidden":false,"merged":[[21,1,21,4],[12,8,16,12],[1,1,2,5],[4,1,4,5],[12,1,12,5],[5,1,5,4],[6,1,6,2],[7,1,7,4],[8,1,8,4],[9,1,9,4],[13,1,13,4],[14,1,14,4],[15,1,15,4]]}
[]
[null,"M4 Loan Planner"]
[]
[]
[null,"Estimated Expenses"]
[null,{"$f":"'M1 Loan Planner'!$B$6","v":"2016-2017 Tuition"},null,null,null,51774]
[null,"Monthly budget (Jul - Apr)",null,{"$f":"'Expense Planner'!$F$20","v":0},"x 10 months",{"$f":"D7*10","v":0},null,null,null," = Transferred from Expense Planner"]
[null,"Books and supplies ($270 included in Cost of Attendance)",null,null,null,0,null,null,null," = Editable Cell"]
[null,"Residency Application/Interview Costs ($1000 included in Cost of Attendance)",null,null,null,0,null,null,null," = Recommended Amount"]
[null,"One-time expenses",null,null,null,0]
[null,"Total Estimated Expenses",null,null,null,{"$f":"SUM(F6:F10)","v":51774}]
[]
[null,"Estimated Support",null,null,null,null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[null,"Awards and scholarships (SAIL)",null,null,null,0]
[null,"Savings and other resources (529s, MESP, MET, Americorps, etc.)",null,null,null,0]
[null,"Family support",null,null,null,0]
[null,"Total Estimated Support",null,null,null,{"$f":"SUM(F14:F16)","v":0}]
[]
[null,"Remaining Need",null,null,null,{"$f":"F11-F17","v":51774}]
[]
[null,"Recommended Unsubsidized Direct Loan (Including Federal Loan Fees)",null,null,null,{"$f":"IF((F19/(1-0.01068))<=42722,(F19/(1-0.01068)),42722)","v":42722}]
[null,"Recommended amount for each semester",null,null,null,{"$f":"F21/2","v":21361}]
[null,"Instructions for completing a loan revision. ","(Complete if Recommended less than $42,722)."]
[]
[null,"Recommended Graduate PLUS Loan (Including Federal Loan Fees)",null,null,null,{"$f":"IF((F19/(1-0.01068))>42722,((F19-42266)/(1-0.04272)),0)","v":9932.308206585325}]
[null,"Instructions for requesting a Graduate PLUS Loan."]

{"sheet":"Revision Instructions","index":6,"n_rows":18,"n_cols":11,"rows_kept":18,"cut":false,"hidden":false,"merged":[[1,1,2,7],[5,10,9,14]]}
[]
[null,"Loan Revision Instructions"]
[]
[]
[]
[null,1,"Always review award status at mysail.oakland.edu prior to revising or requesting loans",null,null,null,null,null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[]
[null,2,"Revise Unsubsidized Loan if Recommended amount is less than maximum for class: "]
[null,null,"M1 Maximum = $42,722","M2 Maximum = $44,944"]
[null,null,"M3 Maximum = $47,167","M4 Maximum = $42,722"]
[]
[null,2,"Select the OUWB Revision Form by clicking ","here. "]
[]
[null,3,"After completing the Student Information section, under Decline or Decrease Awards, "]
[null,null,"check 'Unsubsidized,' check 'Decrease to;' check 'Fall' and 'Winter' and write in"]
[null,null,"the 'Recommended amount for each semester' (from Loan Planner) on both lines."]
[]
[null,4,"Sign, date and submit the completed Form to OUWB Financial Services"]

{"sheet":"PLUS Instructions","index":7,"n_rows":22,"n_cols":11,"rows_kept":22,"cut":false,"hidden":false,"merged":[[1,1,2,7],[5,10,9,14]]}
[]
[null,"Graduate PLUS Request Instructions"]
[]
[]
[]
[null,1,"Always review award status at mysail.oakland.edu prior to revising or requesting loans",null,null,null,null,null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[]
[null,2,"Request Graduate PLUS Loan only if needed. (Recommended will be populated in Loan Planner)"]
[]
[null,3,"Login to www.studentloans.gov","www.studentloans.gov","using your FSA ID and Password"]
[]
[null,4,"Select 'Apply for a PLUS Loan' "]
[]
[null,5,"Select 'Complete PLUS Request for Graduate/Professional Students' and complete the requested information"]
[]
[null,6,"Under 'Loan Amount Requested', select 'I would like to specify a loan amount' radio button"]
[]
[null,7,"Type in the Recommended Graduate PLUS Loan amount (from Loan Planner)"]
[]
[null,8,"Under 'Loan Period Requested', select 09/2016 - 04/2017"]
[]
[null,9,"Complete the remaining steps and submit the application"]

{"sheet":"Loan Review Instructions","index":8,"n_rows":31,"n_cols":11,"rows_kept":31,"cut":false,"hidden":false,"merged":[[1,1,3,16],[9,2,9,5],[27,2,28,13],[16,2,16,5],[19,2,19,11],[9,10,13,14]]}
[]
[null,"Instructions for Accessing the National Student Loan Data System (NSLDS) & MedLoans Organizer and Calculator (MLOC)"]
[]
[]
[]
[]
[null,null,"Please follow the steps below to access NSLDS to view your loan disbursements, history, balances and status."]
[]
[null,null,"Logging in to view your NSLDS loan data:"]
[null,null,"  1.    Go to www.nslds.ed.gov",null,null,null,null,null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[null,null,"2.       Login using your FSA ID, username and password"]
[null,null,"3.       Select  “My Student Data Download”"]
[null,null,"4.       Click on “Confirm”*"]
[null,null,"5.       Save the .txt file to your computer"]
[]
[null,null,"To transfer your loan information to the AAMC MedLoans Organizer & Calculator:"]
[null,null,"1.   Go to www.aamc.org/medloans"]
[null,null,"2.       Login using your AAMC (AMCAS) username and password"]
[null,null,"3.       Click “Get Started Now”"]
[null,null,"4.   Click “Import NSLD” (Email Denine Hales, AAMC Administrative Specialist,  at dhales@aamc.org "]
[null,null,null,"  for assistance if you are unable to use the import option)"]
[null,null,"5.       Select the .txt file and click “Upload”"]
[null,null,"6.       If applicable, add private loan information"]
[null,null,"7.       If desired, add projected loan information"]
[null,null,"8.       Click “MedLoans Calculator” and enter the calculator values, use best estimates"]
[null,null,"9.       Click “Submit” and review the Repayment Options information"]
[]
[null,null,"*While logged into NSLDS, review your individual federal student loans by clicking on the number associated with each loan. This will provide you with access to the contact information for your loan servicer."]
[]
[]
[null,null,"**It is advised that you print a copy of your loan detail screen for your records and keep it safe and accessible."]

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[]
[null,"Fall 2016 Important Dates"]
[]
[null,null,"M1","M2","M3","M4"]
[null,"Payment Plan Enrollment Opens","July 17",null,"June 17",null,null,null,"Contact OUWB Financial Services with any questions or for assistance at medfinservices@oakland.edu or by phone at 248-370-3611. "]
[null,"Earliest Possible Disbursement ","July 22","July 29","June 21"]
[null,"Refund Direct Deposited","3-5 Business Days After Disbursement"]
[null,"Classes Begin ","August 1","August 8","July 1"]
[null,"Payment Due / Plan Enrollment Closes","August 15",null,"July 15"]
[null,"Deadline to Return Loans","30 Days After Disbursement Notification"]
[]
[]
[]
[null,"Where To Go"]
[]
[null,"Financial Aid Status and Direct Deposit","MySail"]
[null,"Payment and Payment Plans","eBILL"]
[null,"International Payments","Flywire"]
[]
[]
[]
[null,"Helpful Resources"]
[]
[null,"General Information",null,"Books and Supplies"]
[null,"OUWB Financial Services",null,"M1 Textbook List"]
[null,"2016-2017 OUWB Cost of Attendance",null,"M2 Textbook List"]
[null,"Oakland University Financial Services",null,"M3 & M4 Textbook List"]
[]
[null,"Budgeting Resources",null,"USMLE Fees"]
[null,"AAMC Budgeting Basics",null,"USMLE Step Exam Fees"]
[null,"AAMC Budgeting Ideas and Tips"]
[null,null,null,"Residency Application, Interview and Match"]
[null,"Federal Loan Information",null,"AAMC Cost of Applying for Medical Residency"]
[null,"Interest Rates and Fees"]
[null,"Federal Direct (Unsubsidized) Loan Overview",null,"Student Loan Repayment"]
[null,"Federal PLUS Loan Overview",null,"AAMC Education Debt Manager"]
[null,"National Student Loan Data System",null,"Federal Loan Repayment Overview"]