 Welcome to grad school one on one. Good morning, everybody. As a general introduction, I have a presentation that I'll be sharing with you guys. I am the senior fellowships office in Rackham's finance and fellowships team. So I have been here for about, I think, oh, It's been four years almost. So I have a great knowledge of some of the fellowships and things. And you may hear the term fellowship more so when it comes to graduate programs. So we'll be talking about some of those funding sources as I know that it can be a little bit different for students. When it comes to undergraduate versus graduate funding. So let me turn the song for you guys so that you can see this presentation. All right, I think everyone should be good to be able to see that. And if not, just let us know in the chat. So, as you go through graduate school, there are everyone wants to know how do they fund it. It's always the biggest question, of course. Expenses that typically need to be covered of course your tuition and your fees, books, living expenses, which can be your room, your board, moving costs, childcare expenses, if you do have a family, and then also other family obligations. So those are all things that you want to make sure that you're considering as you're going about and planning your funding for the year. So most people think about how am I going to actually pay for this. So there are different type of funding, you have external funding sources and we'll talk more about those later. And then there's also the financial need which you apply for through for the FAFSA and it's based on your expected family contribution. And there is a max amount typically per year that you can get as a graduate student. So also must make sure that like your competitive within your own institution and other external funding sources to be able to get certain funding as well too. So, with the external funding, there can be a direct impact on basically your graduate and professional studies. So some things sometimes are going to be based on, you know, your specific field of study. So you want to keep that in mind. As I mentioned earlier is no different from undergraduate in the costs of education and what your expected family contribution is and how your financial need is actually determined once you get to the funding portion of graduate school. So you can keep that in mind. And to grad school, there are some very common funding sources. As you were undergrad, you typically probably had a GSI. Now you have that opportunity to be a GSI on those. This is basically a graduate student instructor. There's also a GSRA, which is a graduate student research assistant. GSSA, which is the graduate student staff assistant. Now, based on these, these are all specific things that you go through your program. Your program is typically where you apply for these funding sources, they'll have opportunities that are available, and you go through them to be able to get these. When they go through a screening process, it's almost like, it's almost like applying for a job. And so you are in competition to with other students that are in your program that are applying for these, these sources of funding. And typically, depending on there's different levels of commitments in terms of how much you're expected to contribute. But that will be specific to what your program is actually looking forward to. So who can actually get funding. Basically, all of you could possibly get funding. I will mention that typically it is a little more difficult for master students to receive funding. I always recommend doing a lot of external searches for those students, different type of funding sources. They can be available depending on what type of student you are in the stage of your graduate program. So if you are incoming student, you can be a returning graduate student there specific funding for that. You can be new to your graduate field and there can be funding for those that are transitioning to a new field. I would like to pay attention to like if you need to be a pre candidate, if you're a PhD student or candidate level student. So there's different search specifications that you can go through to actually be able to find specific funding based on where you are and who you are in your You need qualities as a student so those things in mind if you have you know certain things that there are certain areas that you live in that may offer funding for students that are within their area or thinking about going to to the postgraduate to study within particular areas are also something that's pretty common. So you're thinking about, I don't know going to study and develop things in Malaysia, for instance, then there may be some specific things there that, you know, you may be able to get funding for something from someone who is interested in those type of studies. There's different funding sources that may cover different things so you have funding that may not necessarily cover all of your funding. And when it comes to your tuition stipend health insurance but there are some that are inclusive of covering those expenses. Typically, they're going to be tuition fees stipend grad care. You'll hear health insurance referred to as grad care. So those things are sometimes things that you may be able to get funding for. There's also other little smaller funding sources that you can get. So for instance with them, our department, we do offer conference travel grants for students that are traveling to present at conferences. We also have an emergency fund to for students that are experiencing the emergency funding. And all of this is on our website with the specific ones that I'm talking about now. Students are as a master's student you're allowed to get one emergency funding up to $2,500 during your time as a master's students PhD students because your time is a little bit longer here so you can encounter more emergency situations. You can get up to two emergency fundings as a PhD student, and those are up to $2,500 each as well. So you want to keep those things in mind. Things happen whether it's medical expenses that may come up. There's many unexpected instances that may happen that come up and their specific eligibility requirements and things that we will cover. One big thing that has come up especially with the transition to virtual learning computers and laptops are not included in those emergency funding. I do recommend if you are needing some additional technology resources reaching out to your department seeing if they have any available resources. Sometimes they'll have lenders and things like that. Also there are research expenses where as a master's and a pre candidate you can get a research grant up to $1,500. As you become a candidate in your PhD program is $3,000. So that's something that a lot of our students do utilize to be able to kind of help with the expenses of their research. There are many opportunities within RACM and not even just RACM, but also looking into your department and external funding to be able to help fund some of those opportunities that come available as you go along. So you think about where do you find those sources. Online of course is the biggest place that you can go. There's different private sectors in the government. One of our biggest ones that we work with is the National Science Foundation NSF. We do have quite a few students that come in and they receive the NSF. If you work previously in the workforce or currently, you know, you hold a job, master's students are more common where they are able to get assistance from their employers. If there are any employee assistance things take a look at that and really take advantage of those. Those are usually are really great programs. You can also checking, you know, university, your specific graduate school, your department as I mentioned departments usually are very helpful in finding scholarships or fellowships that are out there. And the reason why is because a lot of times it can be field specific. So they may know different funding sources based on what it is that you're studying. A lot of times to students you want to make sure that like as you're applying and even as you're getting awarded making sure that you understand what's actually available to you. So sometimes there may be funding that only funds one turn or they may do a full year. Sometimes you'll have once where you have to renew yearly and meet eligibility requirements. And I actually make sure too that you're taking a look on is tuition included or fees included are funds paid directly to you are they paid directly to the university. These are all things to kind of consider. And then making sure you meet what the eligibility requirements are. So a lot of times, these fellowships will want you to be registered full time, or meet if there's an external fellowship they want you to meet whatever the requirements are of the university to be able to allow these to these fellowships to pay out to you. And usually what that means is being registered as a full time student. And if you're not then that could revoke what it is that you were awarded so making sure that you're paying that. Sometimes there's stipulations in terms of outside work that you can do or they limit how much you can work. So for instance with some of our fellowships in house, we do have a 10 hour limit weekly that you can do as far as working as if it is a fully funded fellowship we're filled as if we're funding you, we want you to specifically focus on your studies. So there are other requirements that programs want to know how you're doing that they're awarding you so you may have reporting activities to see that how you're moving along and then your advisors may have to sign on off on that to make sure that you are able to continue to get funding. I've already talked about making sure you know you understand kind of some of those stipulations in terms of what is required as you go along from that, the funding sources. One of the things that you do want to keep in mind too as you're being awarded funding whether it is external funding or funding with from the university is how if you're getting me base aid from the office of financial aid or government funding is how that can actually affect you. So if you qualify for need is financial aid is a possibility if you awarded additional funding that your loan amount can be reduced because you they're increasing how much it is you're expected to contribute based on that new funding information. So, for instance, if you get a fellowship your loan for $10,000 what you your loan amount may be reduced by $10,000, but it's very specific to each individual student in your financial situation. So it's always best to reach out to the office of financial aid. They do all of the calculations in terms of what is expected for you to contribute. And then if you get new funding coming in they're able to recalculate that and see how that may adjust it. Sometimes it may not necessarily adjust it depending on what your need is. And so this can come in a form of if you have a loan amount or even a subsidy so one of the one of the most common subsidies that a student may get is a childcare subsidy. So that can also be reduced. So you want to make sure that if you're getting some funding that you contact the office of financial aid so that there isn't any discrepancies there because students can be come what they call over rewarded. And then you may have to pay back money. And sometimes if that money hits your account you think you're good and it's yours but then the office of financial aid comes back and says no. And so you don't want to be in a position where you have to pay back funding worth that you already spent. So I can't stress enough how important that actually is. I've kind of done like a mix of kind of the external funding and internal with finance and fellowships office. Basically what we do in the fellowships office is we house a number of fellowships that we actually handle and then we partner with some external funding sources as well to where we may do something that's called a cost share program. So if it is an external funding let's say I use NSF earlier where students that are awarded NSF get a cost of education of $12,000 a year. So what we do with this cost share program if your tuition or cost of education is more than that and that's just your tuition and your fees is over $12,000 we do what's called a cost share where we will help and pay the difference of what your tuition is that isn't being covered by that $12,000. So that's a little example of what that is. There's not a whole lot of summer research programs that are out there there are some within Rackham but not necessarily within fellowships sometimes we do help with kind of putting funding on for that for those programs but there aren't really specifically summer research programs that we specifically deal with. At this point, just so you know there are basically two types of ways in which you can get Rackham funding so there are ones that you apply for on your own. As I mentioned earlier there's a travel grant there's also the research and emergency. You also have those in which you're nominated by so your program has to actually nominate you for certain funding sources so that one of our big ones are our Rackham Merit Fellowship and Rackham Merit Rackham Masters awards, excuse me. So those are things where your program goes in and they think that you qualify based on you know the information they have about you. They go into the system and they will tell you that they need certain information from you you'll get that to them, and they will put it into our system to be able to nominate you by the deadlines which are all on our site. And if so you go and you see that it is a program nominated award that you think you may be eligible for if it is before the deadline. I recommend going to your program and say hey I saw this award. Do you think that based on what the criteria is for the department and for Rackham that I will qualify. And what do I need to be able to apply. You want to make sure that you're in contact with your program usually it's your graduate coordinator, who has this information, because they have their own internal deadlines that are typically before the Rackham deadline so that they can get all the information into the system. So that's your deadline date. If you go to our website, you'll be able to see all of the fellowships grants and scholarships that we are able to offer. This is a list of that here. There are probably about a good two dozen of them different funding sources some that are going to be fully funded some that are specific to needs like I said emergency research travel. They're all listed here and they're open to all that. Well some are open to masters. But mostly are all of them are open to our PhD students but you are with everything is listed on there in terms of what the eligibility is so that you can sure that you're applying for what it is that you're eligible for. You can kind of see those that are open to our masters level students. So that list is much shorter than that of our PhD students so if you matriculate into a PhD program you'll have more funding opportunities so master students are completely left out. I know I've just given quite a bit of information so. Oh no, did anyone have any questions. I have a couple of questions in the chat Chinese and folks keep putting the questions in. So, first question is was, I would love to learn more about NSF funding and how rack them. Zoom did one of those scroll to the bottom is someone put a comment in the box. Let me go back up to it. Let's go more about NSF funding and how rack them has worked with those students that have NSF funding. Where can I learn more. So, through our website, I'll put that in chat. There's tons of funding information on here. Let me go to with SF and specific specifically it is a cost share. So that's where you will you scroll through the list that I'm going to put here in a chat. So I want to go to cost share. This is the site that I referenced, mostly. And one of the things that will do is I will this presentation I know it kind of went through and there's some helpful information. So, most of it is here. I know this is recorded so Paul this is going to be posted so that like students can specifically go back and take a look and see like if you want to pause it to see what some of those awards are that are listed you'll be able to see that right here on this website to. And there's some links in the grad 101 portal and the financial aid to find the finance in grad school section. There's some links that will take you to some of the resources you talked about as well so there's lots of different ways for people to look at funding options here. And the other question. The next question is, are all GSI GSRA and GSS positions posted slash available through specifics programs, or is there a one stop shop for applications and available positions. So go to the U of them employee site, you're able to see all of those positions. But I also would still go and talk to like see what your program and the protocol that they use to because they are going to know what's going to become available before it's even posted so that you would kind of have some of the inside track. I really recommend getting to know your graduate coordinator, your graduate coordinator is like, they have information just about anything when it comes to your funding. So, if you have questions about funding, how can you find the upcoming year. If you are have funding in place and you want to know when you probably should use certain funding for what year, get to know your graduate coordinators. And then add to that, a couple of things number want to put the careers that you miss website in the chat for those who are not familiar with it so that's where a lot of these postings go. I'm going to reemphasize get to know your grad coordinators or anyone who has in your programs who has access to jobs or has sort of plugged in. And I think third just remember to look at them. They're automatically signed up for the weekly Rackham newsletter so check your email inbox for that like open it up. There is a job section and as sometimes positions become open whether they're GSSI GSRA or sometimes we just have 10 positions we need to fill that it's another place you will find those jobs on the you miss career site but sometimes just a quicker more concise way for you to sort of get the answer to that so some good resources on that. Question. Let's see. Question about going to the last slide on master's opportunities should be so maybe we can opportunities for master students funding. We can. You want to do that here or let's answer one more another question and we'll show the slide. After that, so I'm an incoming PhD. This question is I'm an incoming PhD student this fall with a fellowship for funding. I was informed that for the winter semester I will be a GSRA. What is the difference between the fellowship and being a GSRA. You want to take a. It really depends on what. What the fellowship actually is. So I'm not sure what your fellowship is but it, it depends and it can vary. I don't know if you want to put in a chat with that fellowship is and I can speak specifically to it, or if you want to email to. We can talk about it that way. I'm going to put the email address in here. And I would add. This is sort of in addition to that. There are potential tax implications for that. I am not a tax expert, but we do have a filing taxes for graduate students workshop. That covers some of this information from a tax perspective, not from a, you know, from a funding from sort of how and if you need to report it. So I'm going to put that link in the in the chat here in a moment and you all can sign up for that. And or view past if you go into the portal we actually have one of our past tax workshops already recorded it's obviously not up. It's current, but it was taken I believe right before last tax season so you can sort of peruse that and then come to our workshop on September 1. Yeah, and just because typically those are good to attend because we are highly advised not to give any tax advice on that and I'm no tax expert anyhow. But we're highly advised around tax time we'll get a bunch of questions, usually stipends are not tax. So you really want to make sure you attend that so that you know how to go about handling the taxes. So, question was clarify a graduate program coordinators different from an academic advisor in this context. Typically, yes. Yes, they are. Sometimes though, when you get into grad school sometimes they become one in the same. They're going to probably depend on your department how big your department is, and kind of how they have things situated within the department but typically, sometimes they are one in the same. It varies. Question about funding opportunities for international students and what are they and do some of them differ than domestic students. There are some four international students. Some of them are going to be thinking more so PhD students that are candidate like our predoctoral program is more so for international. I typically recommend international students reach out to the International Center to to see what opportunities they have available. They have more information there I want funding for international students. Question, thank you. Let's see. The question about work study here Chinese curious about work study I noticed some positions on careers that you miss or work study. Are there other routes for getting work study positions and I add to that is, is work study something typically a lot of graduate students are eligible for. It depends. It's just, I can't I don't know a number I don't know I can't say typically yes, it is definitely possible for grad students to have work study. And it's because it's such a different so probably more so master students typically PhD students. There is usually a fund are pretty well funded at the University of Michigan so usually PhD students are trying to seek out work study opportunities is usually more so master students that are seeking off those opportunities and so you have the work study. You also have, as Paul mentioned 10 opportunities and those would be the ones in part time opportunities to that I would probably more so explore as a graduate student. Got a question the box about recordings for those that came a little bit late these sessions will be recorded and shown at a later date so if you missed part of this or want to come back and review it. Well, it takes about a couple weeks for it to get sort of posted online but in the grad school 101 portal look for updates we're actually going to create like a video vault of all past workshops from this year, and actually import some of the ones we did from last year as well so you'll have lots of video resources to catch up on as as we go through that. Thank me girls had a question she wanted to ask you can unmute yourself if you want to go ahead and ask your question. Yes, hi good morning. So my name is Brittany and I am an incoming dual degree student with the masters of social work and masters of public policy program. I received an email about a fellowship about and it's going to be a generic question I promise about getting a quarter of funding per for three semesters. I told the public policy coordinator that I only need two semesters of funding and I was wondering if my third semester of funding could be applied to my first or second semester of funding, and they told me no, and I was just curious if you had an answer to that no. I know that so if our funding puts in particular. Usually if there's a particular funding structure, we may have to stick to what that structure is. And so sometimes you can't necessarily deviate from it, and it probably it sounds like that's probably what they're saying to you. It happens sometimes where students made not a whole lot but it does happen where you know students want to move things around, and they're not able to keep one source of funding because they have other funding that cover something. Even in like your situation where it sounds like you don't have coverage for one so I get like in your mind it because even, you know, for me I'm like okay well I don't have it for this I just move it over. But yeah so but sometimes sometimes programs they have it has to be specific for whatever reason whether it's you know the funding isn't yet available or it can only be available for a specific time frame. Right yeah because that third semester of funding I'm like hey I don't need it because I'm completing my degree in two semesters not three so I was like can I take a third semester of funding and allocated to the, and they were like no. And to me that felt like a slap in the face like here we're going to give you this money but then we're just going to take it away from you because you're completing your degree early, you know what I mean. Yeah, and typically in your situation. The way that it is is that so the funding may not be paid to your department until your third term, but you're wanting to move it up but the money isn't there yet for them to actually be able to use and that's, that's more than likely. I can't speak specifically to it but it's almost like it's not there yet so I can't you can't move it up because we don't have it. Got it. Yeah, so much. Yeah, no problem. There was one question about without reading it directly basically how can someone tell the difference are which, which is their specific funding source so fellowship GSRA GR say, you know, etc. They're saying they see nothing in their Wolverine access as of yet is there a way of I guess this is after the fact. Identifying where the funding comes from. Um, I feel like you should know where like what funding source you're going to be getting now programs and I know even with myself they're still like, if you, let's say if you have a rack and fellowship maybe let's say our MF. The funding is still getting put on to your account. So you may start to see that more within the next week or two. If you're unsure about how you're going to get funded. Your graduate coordinator would be the person, but at this point, it should have been communicated if you're going, what source of income it is, but you may not see it on your account just yet. And you may, it just may be another week, week and a half, maybe I know classes are starting soon and you guys are starting to get those tuition bills that are due by the 31st. Most of the time that is going to be on your account by then and you'll be able to see it so I hate to say patients with that, but especially because it gets so close but we literally work with putting on a lot of information for a lot of students and so I think that's kind of where that may be coming from. With that like a knowledge but if you don't know where it's coming from definitely with your graduate coordinator reading through the chat. There was that one question earlier about showing re showing the slide about masters funding opportunities. We do that and if folks you if you have questions please keep putting them in the box while Shinies fires that up. One other thing that I do want to make sure that I mentioned to is that back if you're in the medical school the business school, the school of public health school of social work, those are professional degree schools, and they're not a part of the rack and family. And so what that means for you, if you are in those schools is that the rack funding would not be available to you. That's a good question. Oh, she's can you repeat which schools are not under Rackham. Yeah, school of social work, medical school, business school, and a school of public health. So, one question was about working where on the rack on website can we find recordings of workshops and recordings will be in the canvas portal under grad school 101. If you would like to prove last year's workshops and again coat note that these are last years, which isn't to say they're not relevant but they were done a year ago. I think they're in the my video folder, which is kind of a repository where we kept last year's workshops and those a lot of those will be imported to grad school one on one as well. All right, so one of the questions is asking. One of the PhD funding opportunities was for incoming students only your elaborate on that scholarship in particular. At this point, typically, anything that is for incoming PhD students. That would have been determined by the spring term of this year. So programs is used as a recruitment programs are able to use it as a recruitment tools so they may have given students. So that's one of the questions for that particular fellowship for them to actually come in and kind of draw students to what it is and maybe thinking about might be the RMF the rack of mirror fellowship that you're speaking of. That's something that the programs they do nominate incoming students for. And so if you have received that you have already known at this point is nothing that can be awarded at this point for any incoming students. If you're a dual degree student can you apply for a rack them through your school is that a part of the rack of family yes if you are a dual degree student and one program is a part of rack them under the rack of umbrella, you can apply. So if for those things are going like to travel grant research grant emergency fund. It gets a little more tricky when you get into kind of like those fellowships because sometimes you may have it where you're say you're in this burn Ross, as the example is here in the chat. If you're only enrolled in cross courses then tuition and fees are different so we would not necessarily be able to apply fellowship that applies tuition and fees for that term. So you want to make sure that you're able to be enrolled in the rack them classes during that term in which you receive the award. So the question says if I'm getting part tuition fellowship for fall winter fall and winter term can I still apply to get a fellowship for insurance because of certain life events and who do I contact regarding that. If insurance is not included, you would contact shared services, shared services, and they will be able to walk you through and believe is they will walk you through the cover process. Any other questions seeing none we are going to probably close this session for today we are will stick around if you have questions that you want to do off camera. Maureen is going to put a link in the chat for an evaluation please give us your feedback on this session, as we want to know what other topics we can cover and what we can include to make this even more useful to you. Thank you so much for being around the road and if you are still with us, and perhaps your, you have your name in the chat boxes like just your your preferred name if you could stick around and just give us what name you registered with so we can make sure you're counted in the attendance. Other than that, thank you so much and he's thank you for all the great information, and we will see you soon on grad school 101.