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{"sheet":"Introduction","index":1,"n_rows":29,"n_cols":2,"rows_kept":29,"cut":false,"hidden":false,"merged":[[0,1,1,1]]}
[null,"Cost of Attendance - How to use this spreadsheet"]
[]
[]
[null,"This spreadsheet is to help you and us (and is for both Student Federal Aid AND Private Loans)"]
[null,"a. To make the process as speedy and as simple as possible"]
[null,"b. To cut out the risk of your application being rejected and you having to start again"]
[null,"Student Federal Aid applicants should also use the flowchart that comes with this spreadsheet to see the order in which you need to do each stage of your application"]
[]
[null,"There is nothing which tells the school that everything the applicant needs to do has been completed."]
[null,"Schools are only told what has been done by an applicant"]
[null,"There is nothing which tells the applicant that everything they need to do has been completed."]
[null,"There is nothing which tells the school that everything the applicant needs to do has been completed."]
[]
[null,"You must complete and send us the spreadsheet \"Cost of Attendance\" tab"]
[null,"There are sets of documents which we have to receive before we can certify and complete your loans.They are used to help you and the school in several ways.These documents and Cost of Attendance tab tell us that: "]
[]
[null,"1.Everything needed has been completed."]
[null,"2. Is a trigger for us to process your application."]
[null,"3. How much you are eligible to borrow (Section 4)"]
[null,"4. How much of your loan will be retained by the government as origination fee (Federal Aid Only)"]
[null,"5. Calculates the cost of the originations fees and increases the PLUS loan to cover them (Federal Aid Only)"]
[null,"6. How much you want to borrow"]
[null,"7. The checklist is designed to help you ensure that we have everything we need for your application. It also highlights the impact of missing information."]
[]
[null,"For your information"]
[null,"The Basis of Costs tab shows you how we calculated the Cost of Attendance"]
[null,"To ensure that your application is as smooth as possible, you must complete the spreadsheet and the checklist"]
[]
[null,"When we receive this spreadsheet and attachments it is our trigger that you have done everything for us to work on your loan. If anything on the checklist is missing we will not be able to start to process your application. If anything on the checklist or spreadsheet is untrue your application will be rejected by the ED Dept's systems."]

{"sheet":"Terms and Conditions","index":2,"n_rows":77,"n_cols":2,"rows_kept":77,"cut":false,"hidden":false,"merged":[[0,1,1,1]]}
[null,"Summary of Terms and Conditions"]
[]
[null,"FEDERAL STUDENT AID: DIRECT LOANS PROGRAM"]
[null,"The administration of Federal Student Aid is a complex process for both student applicants and the Institutes of Higher Education that they are attending and is further complicated by Durham University being a Foreign School."]
[null,"The handbook of rules runs to over 900 pages, and it is not possible to outline every single regulation, further to this, there are the Durham University regulations to consider, and how the two regulation systems fit together."]
[]
[null,"A: Summary of Terms and Conditions "]
[null,"The Summary of Terms and Conditions listed on this COA worksheet are not exhaustive, before any significant changes of circumstance within your study programme, residence status, dependency requirements or other costs of attendance, you must ensure that the proposed changes conform to both US Department of Education regulations and Durham University Regulations. With regards to US Department of Education requirements, you must not assume that because a \"Concession\" (Concession is the Durham University term used for a change in circumstance that is applied for by the student or their department and/or College) is considered or granted by Durham University, that it is compliant with US Department of Education (USDE) regulations. You must check with (or ask your department/ College to check with) the Scholarships and Student Funding Office of Durham University, the equivalent of the Financial Aid office of a US School, that any proposed Concession conforms to the USDE rules."]
[]
[null,"B: To be eligible to take out US Direct Loans you need to:"]
[null,"1) Register for an eligible course. Ineligible courses include (but not be restricted to) those      listed below:"]
[null,"Undergraduate degree Courses that include a “year abroad/that are less than 3 years*. -Courses with field trips/fieldwork in the US that equate to more than 25% of course length that equate to more than 25% of course length **."]
[null,"-Any Courses including internships or placements that equate to more than 25% of course length ***."]
[null,"-Non-degree programs (Graduate Diploma programs such as those in ‘Theology and Religion” or Philosophy” or the Postgraduate Certificate in Education (PGCE))."]
[null,"2) Be a US Citizen or an eligible non-citizen."]
[null,"3) Have a valid US social security number."]
[null,"4) Be accepted to a programme of full-time or at least 50% part-time study) distance learning courses are not eligible)."]
[null,"5) If you are an existing student at Durham University, you are to have been assessed as having made satisfactory academic progress to continue your studies with us."]
[null,"6) Be living in the UK during your studies at Durham (students who continue to live in the USA during their studies are not eligible)."]
[]
[null,"C: Eligibility for Federal Student Aid "]
[null,"Eligibility for Federal Student Aid at a Foreign School is assessed annually for each new academic year; please note that eligibility in one year does not automatically imply or guarantee continued eligibility for a future year. Federal rules affecting eligibility may change from year to year, and personal circumstances affecting eligibility may change from year to year."]
[]
[null,"D: Loans cannot be certified over the maximum value of your Cost of Attendance"]
[null,"All other sources of formal scholarships, awards and recognised education loans need to be considered on the calculator. If dual funding with Federal Student Aid and Sallie Mae, the combined total of loans between the two sources cannot exceed the maximum value of Cost of Attendance (less any scholarship/award income). Some Veteran Affairs (VA) Education support may be eligible to be disregarded on the Cost of Attendance, please contact the Scholarships and Student Funding Office for advice."]
[]
[null,"E: Federal Student Aid can only be used to fund students during their programme of study"]
[null,"Federal Student Aid can only be used to fund students during their programme of study, whilst they are registered students. Students must progress through their programme at a pace that they will graduate within the maximum timeframe of 150%* of the published timeframe of the course."]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"RE: status ends after these periods and does not extend to the publication of pass lists, or the graduation/congregation ceremonies. "]
[]
[null,"F: Federal Student Aid issued through a Foreign School is only permissible for study outside of the United States. "]
[null,"You cannot receive the Federal Aid programme through Durham University, whilst residing and/or studying in the United States. This means that you must not be resident in the United States during your studies (vacation visits \"home\" is of course permissible), it also means that Federal Aid cannot be used to fund components of field-work studies or placement studies which may take place in the United States, during the duration of your course."]
[]
[null,"Exemptions:"]
[null,"- A single 12-month period of the writing-up period for a PhD programme. The writing-up period at Durham University is termed being \"on continuation\". Federal Rules currently permit this period to be in the United States if the research can only be conducted in the United States. Study abroad cannot exceed 25% of the program."]
[null,"- Study abroad within the US: Students can take up to 25% of their program of study (4 years with maximum of 1 year spent abroad) abroad only if the US institution is eligible to provide US Loans. "]
[null,"- Study abroad outside the US:  Students can take up to 25% of their program of study abroad as long as there is an agreement between the two participating schools.  "]
[null,"- Courses including Internship or placement: Students can take up to 25% of their program of study abroad as long as there is an agreement between the two participating schools.  "]
[null,"Please contact Scholarships & Student Funding Service to double check if your course is eligible for the Federal Aid funding"]
[]
[null,"G. Federal Student Aid cannot be used to fund any \"Distance Learning\"."]
[null,"Federal Student Aid cannot be used to fund any \"Distance Learning\" courses at Durham University (for example, some of the Business Studies or Education Courses at Durham)"]
[]
[null,"H:  Federal Student Aid can be used to help to pay towards the cost of childcare needed while the student is attending school. "]
[null,"Dependents must be of full-time schooling age or younger (age 16 or less, where children are in UK school \"6th Form\", please get in touch with Scholarships and Student Funding Service) and residing with the Federal Aid applicant student in the UK. Federal Student Aid cannot be used to support dependents still resident in the United States, or not in the immediate care of the applicant. Scholarships and Student Funding Service require names and dates of birth of dependents being claimed for by the Federal Aid applicant student. Federal Student Aid cannot be used to pay for the subsistence of a student's family. "]
[]
[null,"I. Federal Student Aid eligibility ceases, even if previously approved, if you cease being a registered student within the year"]
[null,"Federal Student Aid eligibility ceases, even if previously approved, if you cease being a registered student within the year (or cease being a student on continuation in the single 12-month period of writing up for a PhD student). Various circumstances can result in you not being a registered student, such as Withdrawal from Durham University, Leave of Absence from Durham University (often called a concession) for many reasons including long-term ill health and personal circumstances. Of particular importance is \"Thesis Submission\". Once a PhD thesis is submitted, you cease being a registered student (or student under continuation), and further disbursements are not permitted after this date. PhD students need to ensure their own funding between thesis submission and examination/corrections. If you believe that you may enter a period whereby you will not be a fully registered student (even temporarily), you must contact Scholarships and Student Funding Service to discuss your funding eligibility."]
[]
[null,"J: Federal Student Aid is dependent upon \"Satisfactory Academic Progress\" (SAP)"]
[null,"Federal Student Aid is dependent upon \"Satisfactory Academic Progress\" (SAP) continuing to be made during the period of study. If SAP is not maintained within accordance with Durham University Regulations, then eligibility for Federal Student Aid may be lost."]
[]
[null,"K: Disbursements of Federal Student Aid are generally made three (3) times a year"]
[null,"Disbursements of Federal Student Aid are generally made three (3) times a year (just after the start of each term, Durham University operates a three (3) term system over the academic year, not a semester system), and where possible disbursement values are equally spread between the disbursement dates. Loans are disbursed in USD to Durham University. Durham University will convert incoming USD loans to GBP. Access to a GBP bank account in your name is recommended."]
[]
[null,"L: There are several documentation requirements for students accessing Student Federal Aid, most of these are required in the application process"]
[null,"There are several documentation requirements for students accessing Student Federal Aid, most of these are required in the application process (e.g., Master Promissory Notes, Entrance Counselling etc). Please note that Federal Aid will not be approved by Durham University without the required documentation. Exit Counselling is also required, before the end of the Academic Year. This will be requested before your final disbursement, or if you are cancelling further aid. Final Disbursements or cancellations will not take place without the required Exit Counselling being submitted. Loans are issued every year and Exit Counselling shall be required yearly. "]
[]
[null,"M: Durham University reserves the right to request further appropriate documentation"]
[null,"Durham University reserves the right to request further appropriate documentation from you during the Federal Aid process where Durham University deems it necessary to clarify for either application or ongoing eligibility. Such further documents may include (but are not limited to) Passports, Social Security Documentation, Official Letters, proof of dependents and/or their location."]
[]
[null,"N: Durham University has an obligation to the USDE to report any evidence of fraud with regards to Student Federal Aid"]
[]
[null,"O: Durham University takes part in the \"National Student Loan Data System\" for In-school deferments of student loan payments. "]
[null,"The Durham University policy on reporting rules to the NSLDS, and the effects different enrolment/registration states within the University Student Record system has on loan repayments is outlined in the following link:  "]
[null,"https://www.durham.ac.uk/media/durham-university/study/international-office-/pdfs-and-forms/DurhamUniversityUSEducationLoanDefermentPolicy05012015.pdf"]
[]
[null,"P: Durham University reserves the right to update and revise this Summary of Terms and Conditions"]
[null,"Durham University reserves the right to update and revise this Summary of Terms and Conditions to consider changes to Federal Rules, Durham University Rules, or changes to the interpretation of such rules. For advice on the interpretation of the Federal Rules of Durham University Rules; or significant changes in circumstances; or unusual circumstances please contact: us.loans@durham.ac.uk"]

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[null,"How these Costs are Calculated"]
[]
[null,"Exchange Rate","The exchange rate is set by taking the average rate for the 6-month period prior to the internal finalisation of the COA document. The 6-month period is calculated for this purpose as starting from the month the COA document is finalised and counting back 5 additional months. The exchange rate will be taken from: British Pound to US Dollar Exchange Rate Chart | Xe. This will then be rounded to two significant places\" "]
[]
[null,"Room - Rent","The default value in the sheet is derived from taking the University 2026/27 Postgraduate College room en-suite self-catering charge of £10,527.71 for a 52-week let, and converting to a weekly charge, rounded up to the nearest pound. The college cost includes utility bills and internet connection"]
[]
[null,"Bills/Costs Inc Travel","The default value is an estimate of other bills and costs which are likely to incurred including possible telecoms charges, bus travel within the environs of Durham, Middle Common Room (MCR) subscriptions, laundry, contents insurance etc"]
[]
[null,"Food","Default value is an estimate of food costs for self-catering, plus lunches/coffees from University branded YUM outlets, plus an occasional meal from non-University outlets"]
[]
[null,"Books & Copying","An estimate of costs for books, photocopying and printing of on-line PDF type resources from e-journals etc"]
[]
[null,"Personal","An estimate of essential purchases e.g. toiletries and clothing plus social and leisure costs"]
[]
[null,"2 return flights","Based on the cost of two BA return flights Heathrow/LA return travelling at weekends and rounded up by £100 to the nearest £100"]
[]
[null,"PC","Cost of a good quality laptop from Currys plus a printer plus £25 month broadband charge and rounded up by £100 to the nearest £100; or round to £1,200; whichever is the greater"]
[]
[null,"PLUS Loan","The balance of the cost of attendance after Sub & Unsub and grossed up to include Origination Fee of 1.057% (Direct lending website) on Sub & Unsub added to PLUS loan needs and then increased again to include the 4.228% origination fee charged on PLUS Loans as quoted on Direct Lending website. this ensures that the cash you receive, after foreign exchange and deduction of origination fees, is the sterling cost of attendance."]
[]
[null,"Immigration Health Surcharge","PGT students - 1 year course NHS fee £1164"]
[null,null,"PGR students - 4 year course NHS fee £3492"]
[null,null,"UGT students - 3 year course NHS fee £2716"]
[]
[null,"Year Dates","These dates are set to minimise the risk of your loan being rejected by overlapping a previous year."]
[null,null,"Postgraduates - The term starts on 05 Oct 2026 but the loan year will be 1st October 2026 to 30 Sept 2027 (365 days)"]
[null,null,"Undergraduates - The term starts on 5 Oct 2026 but the loan year will be 1st October 2026 to 26 June 2027 (end of final term)"]
[]
[null,"Disbursement Dates","The transfer of funds from ED Dept to our UK bank and takes at least 10 working days. These dates are a full 10 working days from the date our office opens after Christmas/Easter or the start of term (whichever is later)"]
[null,null,"WARNING - THESE DATES ARE EXPECTED AND NOT ACTUAL. Allow for about 5 days delay - just in case. Please ensure you have sufficient funds to last until you receive disbursed funds. The process cannot be speeded up once it has commenced to cover a shortfall in your funding."]
[]
[null,"Please Note ","Bank Declaration (October 2026 entrants): International students may experience delays when opening a UK bank account on arrival. This declaration provides an auditable record explaining why funds may be held for a longer period, to ensure compliance with audit requirements."]

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[]
[null,"Cost of Attendance & Loan Calculation for Academic Year 2026/27",null,null,null,null,null,null,null,null,"CHOICE ","Dependancy","Year",null,"STANDING DATA - maximum costs ",null,null,"STANDING DATA Max Levels of Sub & Unsub TABLE 1",null,null,null,"Origination Fees",null,null,null,null,null,"COSTS"]
[null,null,null,null,null,null,"$","YEARLY UG","YEARLY PG",null,"YES","I",1,null,"Room - Rent",202,null,"Sub","Unsub Depend","Unsub Ind",null,"Loan Type","% Rate","Interest Rebate","Final rate","Actual Factor",null,"Cost of 2 return flights",2200]
[null,{"$error":"#VALUE!"},null,null,null,null,null,null,null,null,"NO","D",2,null,"Bills/Costs (inc. Travel)",43,"postgraduates",0,0,20500,null,"Sub Loan Orig Fee",1.0569999999999999,0,{"$f":"W4-X4","v":1.0569999999999999},{"$f":"Y4*0.01","v":1.057E-2},null,"Suggestion PC/Printer",1200]
[null,null,null,null,null,null,null,null,null,null,"N/A",null,3,null,"Food",53,"Undergraduate1",3500,2000,6000,null,"Unsub Loan Orig Fee",1.0569999999999999,0,{"$f":"W5-X5","v":1.0569999999999999},{"$f":"Y5*0.01","v":1.057E-2}]
[null,null,null,null," US Dollar Exchange Rate",1.34,null,null,null,null,"FEDERAL AID ONLY","YES",4,null,"Books & Copying",22,"Undergraduate2",4500,2000,6000,null,"PLUS Orig Fee",4.2279999999999998,0,{"$f":"W6-X6","v":4.2279999999999998},{"$f":"Y6*0.01","v":4.2279999999999998E-2}]
[null,null,null,null,"No of Weeks for Undergraduates",38,null,null,null,null,"SALLIE MAE ONLY","NO",5,null,"Personal",53,"Undergraduate>2",5500,2000,7000]
[null,null,null,null,"No of Weeks for Postgraduates",52,null,null,null,null,"FEDERAL AID AND SALLIE MAE","N/A",6]
[null,null,null,null,null,null,null,null,null,null,null,null,"On Continuation",null,null,null,null,null,null,null,null,"STATEMENTS"]
[null,"Instructions - Only text in blue requires completion. Some fields are free type and others are drop down",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"You are required to submit evidence for the other essential costs you have declared in section 3"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Grade Level","Dependent","Independent"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1st Year","$3,500 sub / $5,500 total","$3,500 sub / $9,500 total"]
[null,null,null,null,null,null,null,null,null,null,"FINAL CALCULATIONS",null,null,null,"2nd Year","$4,500 sub / $6,500 total","$4,500 sub / $10,500 total"]
[null,"Section 1",null,null,null,null,null,null,null,null,"Requested Cost of Attendance (Values rounded)","$",null,null,"3rd+ Year","$5,500 sub / $7,500 total","$5,500 sub / $12,500 total"]
[null,"Personal & Financial information ",null,null,null,null,null,null,null,null,"Tuition Fees",{"$f":"F61","v":0}]
[null,"Family Name ",null,"Family Name",null,null,null,null,null,null,"Room",10286]
[null,"First Name ",null,"First Name",null,null,null,null,null,null,"Bills",2190]
[null,"FAFSA Address Line 1",null,"Address",null,null,null,null,null,null,"Food",2699]
[null,"Address Line 2",null," ",null,null,null,null,null,null,"Books",1120]
[null,"Address Line 3",null," ",null,null,null,null,null,null,"Personal",2699]
[null,"Country",null,"USA",null,null,null,null,null,null,"Other Essential Costs",4556,null,"LOAN CALC"]
[null,"Zip code / Postcode",null,null,null,null,null,null,null,null,"Total Cost of Attendance",{"$f":"SUM(L15:L21)","v":23550},null,null,"MAX LOANS","Origination fee","MAX LOANS + FEE","MAX LOANS REDUCED BY FEE"]
[null,"Email",null,"Email address",null,null,null,null,null,null,"Adjust for Sponsorship, Awards or other Aid",{"$f":" -ROUND(G40,0)","v":0},null,"Sub loan limit ",{"$f":"IF(E30=\"NO\",0,_xlfn.IFS(D27=1,3500,D27=2,4500,D27>=3,5500))","v":3500}]
[null,"Date of Birth dd/mm/yyyy",null,"1988-01-01",null,null,null,null,null,null,"Total Requested Cost of Attendance",{"$f":"ROUND((SUM(L22:L23)),0)","v":23550},null,"Total loan limit ",{"$f":"IF(AND(E30=\"NO\",E32=\"YES\"),50000,IF(E30=\"NO\",20500,_xlfn.IFS(AND(D27=1,E33=\"D\"),5500,AND(D27=1,E33=\"I\"),9500,AND(D27=2,E33=\"D\"),6500,AND(D27=2,E33=\"I\"),10500,AND(D27>=3,E33=\"D\"),7500,AND(D27>=3,E33=\"I\"),12500)))","v":5500}]
[null,"Full Social Security Number",null,"123 45 6789",null,null,null,null,null,null,null,null,null,"Need Calc",{"$f":"MAX(F68-E34,0)","v":23550}]
[null,"Degree Type and Course Title",null,"eg PhD Theology",null,null,null,null,null,null,"Maximum you can borrow","$",null,"Subsidized Loan Eligibility",{"$f":"MIN(O25,O23)","v":3500},{"$f":"O26 * 0.01057","v":36.994999999999997},{"$f":"O26 + (O26 * 0.01057)","v":3536.9949999999999},{"$f":"O26-P26","v":3463.0050000000001}]
[null,"Year of Study On Course as of 1 Oct",null,1,null,null,null,null,null,null,"Subsidised - Adjusted by EFC",{"$f":"O26","v":3500},null,"Unsubsidized Loan Eligibility",{"$f":"MAX(MIN(O24-O26,F68-(O26 + G40)), 0)","v":2000},{"$f":"O27 * 0.01057","v":21.14},{"$f":"O27 + (O27 * 0.01057)","v":2021.14},{"$f":"O27-P27","v":1978.86}]
[null,"Durham Student Number (Banner id)",null,"00???????",null,null,null,null,null,null,"Unsubsudised",{"$f":"O27","v":2000},null,"UG PARENT PLUS",{"$f":"IF(E30=\"NO\",0,IF(D27=1,MIN(20000,MAX(F68-(G40+O26+O27),0)),MAX(F68-(G40+O26+O27),0)))","v":18050},{"$f":"O28 * 0.04228","v":763.154},{"$f":"O28 + (O28 * 0.04228)","v":18813.153999999999},17286.846000000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Graduate plus ",{"$f":"IF(OR(E31=\"NO\", E31=\"N/A\"), 0, O25 - E84 - E85 - E86 - E88)","v":0}]
[null,"Are you on an undergraduate program?",null,null,"YES",null,null,null,null,null,null,null,null,"PRIVATE LOANS AMOUNTS",{"$f":"MAX(F68-(G40+O26+O27+O28+O29),0)","v":0}]
[null,"Did you start and take federal loans for your postgraduate programme prior to 26/27",null,null,"N/A","Requires answer",null,null,null,null,"Total Eligible before adjustment for Fees",{"$f":"SUM(L27:L30)","v":5500}]
[null,"Are you studying a postgraduate course in Law or Theology that attracts higher levels of graduate plus borrowing? ",null,null,"N/A","Requires answer"]
[null,"What is your \"dependency status\" Dependant (D), Independent (I)",null,null,"D"]
[null,"What is your SAI ( Even zero must be entered)",null,null,0]
[null,"Enter your Tuition Fees",null,null,0,null,{"$f":"$E35*$F6","v":0},{"$f":"$E35*$F6","v":0},{"$f":"$E35*$F6","v":0}]
[null,"Enter amount of the Tuition fees to be paid by a sponsor (only enter in the $ or £ box ) eg Durham Sport, Doctoral or DBS awards etc",null,null,0,0,{"$f":"$E36*$F6","v":0},{"$f":"$E36*$F6","v":0},{"$f":"$E36*$F6","v":0}]
[null,"Enter how much has already been awarded by Durham as a Scholarship or Financial Aid",null,null,0,null,{"$f":"$E37*$F6","v":0},{"$f":"$E37*$F6","v":0},{"$f":"$E37*$F6","v":0}]
[null,"Enter how much has been awarded by any other Scholarship or Financial Aid in the UK",null,null,0,null,{"$f":"E38*F6","v":0},{"$f":"$E38*$F6","v":0},{"$f":"$E38*$F6","v":0}]
[null,"Enter how much has been awarded by any other Scholarship or Financial Aid from the USA. eg Americorps, State Funding etc, but NOT VA",null,null,0,null,{"$f":"E39","v":0},{"$f":"$E39*$F6","v":0},{"$f":"$E39*$F6","v":0}]
[null,"Section 2",null,null,null,null,{"$f":"SUM(G36:G39,F36)","v":0}]
[null,"Weekly Essential Costs - Durham Maximum Estimates "]
[null,"These are the maximum estimated figures for Durham\nYour costs may be lower depending on where you live. You can reduce your weekly figures in the boxes.  "]
[null,"Room - Rent",null,null,null,202,{"$f":"F43*F6","v":270.68},{"$f":"G43*$F$7","v":10285.84},{"$f":"G43*$F$8","v":14075.36}]
[null,"Bills/Costs (inc. Travel)",null,null,null,43,{"$f":"F44*F6","v":57.620000000000005},2189.5600000000004,2996.2400000000002]
[null,"Food",null,null,null,53,{"$f":"F45*F6","v":71.02000000000001},2698.76,3693.0400000000004]
[null,"Books & Copying",null,null,null,22,{"$f":"F46*F6","v":29.48},1120.24,1532.96]
[null,"Personal",null,null,null,53,{"$f":"F47*F6","v":71.02000000000001},2698.76,3693.0400000000004]
[null,"Total",null,null,null,{"$f":"SUM(F43:F47)","v":373},{"$f":"F48*F6","v":499.82000000000005},18993.160000000003,25990.640000000003]
[null,"Section 3"]
[null,"Single or extra costs for the year - you may adjust or add extras here, but may be asked for proof of extra need."]
[null,"Cost of 2 return flights",null,null,null,2200,{"$f":"$F51*$F$6","v":2948},2948,2948]
[null,"Suggestion PC/Printer",null,null,null,1200,1608,1608,1608]
[null,"Add any other essential costs - (Visa cost of £558 can be included if applying)",null,null,null,0,0,0,0]
[null,"Immigration Health Surcharge (new students only) - see rates from \"Basis of Costs\" tab",null,null,null,0,0,0,0]
[null,"Add details of any other essential costs",null,null,null,0,0,0,0]
[null,"Add details of any other essential costs",null,null,null,0,0,0,0]
[null,"Add details of any other essential costs",null,null,null,0,0,0,0]
[null,"Section 4",null,null,null,null,null,{"$f":"SUM(H51:H57)","v":4556}]
[null,null,null,"ESTIMATED FINAL COSTS & MAXIMUM LOAN ELIGIBILITY - YOU MAY BORROW LESS IF YOU CHOOSE"]
[null,"Cost of Attendance"]
[null,"Tuition Fees",null,null,null,{"$f":"ROUND(G35,0)","v":0}]
[null,"Room",null,null,null,{"$f":"ROUND((IF(E30=\"NO\",I43,H43)),0)","v":10286}]
[null,"Other Bills/Costs inc. Travel",null,null,null,{"$f":"ROUND((IF(E30=\"NO\",I44,H44)),0)","v":2190}]
[null,"Food",null,null,null,{"$f":"ROUND((IF(E30=\"NO\",I45,H45)),0)","v":2699}]
[null,"Books and Copying",null,null,null,{"$f":"ROUND((IF(E30=\"NO\",I46,H46)),0)","v":1120}]
[null,"Personal",null,null,null,{"$f":"ROUND((IF(E30=\"NO\",I47,H47)),0)","v":2699}]
[null,"Other Essential Costs",null,null,null,{"$f":"ROUND(H58,0)","v":4556}]
[null,"Total Cost of Attendance",null,null,null,{"$f":"SUM(F61:F67)","v":23550}]
[null,"Adjust for Sponsorship, Awards or other Aid",null,null,null,{"$f":"ROUND((-G40),0)","v":0}]
[null,"Total Requested Cost of Attendance",null,null,null,{"$f":"ROUND((SUM(F68:F69)),0)","v":23550}]
[null,"Maximum Eligible Federal Loans"]
[null,"Subsidised - Adjusted by SAI",null,null,null,{"$f":"O26","v":3500}]
[null,"Unsubsidised - Adjusted by Subsidised",null,null,null,{"$f":"O27","v":2000}]
[null,"PLUS Loan allowed on CoA (Plus Loans subject to credit check)",null,null,null,{"$f":"O28","v":18050}]
[null,"Total Eligible Loans Available before adjustment for Fees",null,null,null,{"$f":"SUM(F72,F73,F74)","v":23550}]
[null,"Maximum Eligible Private Loans (Amount will be reduced by any Federal Loans taken)"]
[null,"Private loan amount ",null,null,null,{"$f":"L24","v":23550}]
[]
[]
[]
[null,"Section 5"]
[null,"HOW MUCH WOULD YOU LIKE TO BORROW -ENTER THE AMOUNTS IN BLUE"]
[null,"Max Loan amounts per loan type - NOT IN TOTAL","Government Origination Fee","State how much you would like to borrow","Your Request ","After Origination Fees You Get \n(May include rounding)"]
[null,{"$f":"O26","v":3500},1.057E-2,"Federal Subsidized Loan",0,{"$f":"ROUND(E84*(1-C84),0)","v":0}]
[null,{"$f":"O27","v":2000},1.057E-2,"Federal Unsubsidized Loan",0,{"$f":"ROUND(E85*(1-C85),0)","v":0}]
[null,{"$f":"O28","v":18050},4.2279999999999998E-2,"Federal Undergraduate Parent plus ",0,0]
[null,{"$f":"O29","v":0},4.2279999999999998E-2,"  Federal Graduate Plus Loan  ",0,0]
[null,{"$f":"MAX(0, L24 - E84 - E85 - E86 - E87)","v":23550},null,"  Private Loans (Taking out Private loans to cover a shortfall is optional, not mandatory)  ",0,0]
[null,"Total",null,null,{"$f":"IF(SUM(E84:E88)> L24,\"PRIVATE LOAN AMOUNT EXCEEDED\",SUM(E84:E88))","v":0},{"$f":"IF(SUM(F84:F88)> L24,\"PRIVATE LOAN AMOUNT EXCEEDED\",SUM(F84:F88))","v":0}]
[null,"Section 6"]
[null,null,null,"SCHOOL RESPONSES"]
[null,{"$f":"IF(E89 <=#REF!,M86,#REF!)","v":{"$error":"#REF!"}}]
[null,{"$f":"IF(OR(F55<>0, F56<>0, F57<>0), V10, \"\")","v":""}]
[null,"Section 7"]
[null," Government Fees (Federal Loans Only)"]
[null,"Subsidised Origination Fee of 1.057% (No Origination Fee Rebate Currently In Force)",null,null,null,1.057E-2]
[null,"Unsubsudised Origination Fee of 1.057% (No Origination Fee Rebate Currently In Force)",null,null,null,1.057E-2]
[null,"PLUS Loan (Adjusted up to include all fees, Origination Fee of 4.228%, No Origination Fee Rebate currently in force)",null,null,null,4.2279999999999998E-2]

{"sheet":"Presubmission Checklist","index":5,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[[18,1,18,3],[23,1,23,3],[28,1,28,3],[1,1,1,3],[2,1,2,3],[3,1,3,3],[11,1,13,3]]}
[]
[null,"Checklist for Federal Aid & Sallie Mae Applications",null,null,null,"Allowed"]
[null,"Please put Y or N in the response box for each question",null,null,null,"Y"]
[null,"The default setting is \"N\"",null,null,null,"N"]
[null,"Spreadsheet","Response","School Comments"]
[null,"Have you entered your name and full address on the CoA spreadsheet","N",{"$f":"IF((C6=\"n\"),\"Go back to the spreadsheet and enter it or we cannot process your application\",\"\")","v":"Go back to the spreadsheet and enter it or we cannot process your application"}]
[null,"Have you entered your SSN on the CoA spreadsheet","N",{"$f":"IF((C7=\"n\"),\"Go back to the spreadsheet and enter it or we cannot process your application\",\"\")","v":"Go back to the spreadsheet and enter it or we cannot process your application"}]
[null,"Have you correctly entered your email address on the CoA spreadsheet","N","Go back to the spreadsheet and enter it or we cannot process your application"]
[null,"Have you entered the SAI on the CoA spreadsheet","N","Go back to the spreadsheet and enter it or we cannot process your application"]
[null,"Have you entered your tuition fees on the CoA spreadsheet","N","Go back to the spreadsheet and enter it or we cannot process your application"]
[null,"Have you entered on the spreadsheet how much you wish to borrow (Section 6)","N","Go back to the spreadsheet and enter it or we cannot process your application"]
[null,"If you are applying for Student Federal Aid, then please complete the section below, if you are ONLY applying for Sallie Mae Private Loans then it is not required"]
[]
[]
[null,"Signed Forms ","Response","School Comments"]
[null,"Signed Terms and Condtions ","N",{"$f":"IF((C16=\"n\"),\"Application Rejected\",\"\")","v":"Application Rejected"}]
[null,"Signed Bank Declaration","N",{"$f":"IF((C17=\"n\"),\"Application Rejected\",\"\")","v":"Application Rejected"}]
[null,"FAFSA Summary Report ","N",{"$f":"IF((C18=\"n\"),\"Application Rejected\",\"\")","v":"Application Rejected"}]
[]
[null,"Promissory Notes","Response","School Comments"]
[null,"Have you attached your Direct Subsidized/Unsubsidized MPN","N",{"$f":"IF((C21=\"n\"),\"Application Rejected\",\"\")","v":"Application Rejected"}]
[null,"Have you applied for a PLUS Loan","N"]
[null,"Have you attached your Credit Check (PLUS Loans) ","N",{"$f":"IF(((C22=\"y\")*AND(C23=\"n\")),\"Application Rejected\",\"\")","v":""}]
[]
[null,"Entrance Counselling","Response","School Comments"]
[null,"Have you attached your entrance counselling completion","N",{"$f":"IF((C26=\"n\"),\"Application Rejected\",\"\")","v":"Application Rejected"}]
[]
[]
[null,"If there are no school comments then we have sufficient information to start the origination process. If anything is missing or incorrect, then we cannot originate your loans."]

{"sheet":"Visa Letter (Office use only) ","index":6,"n_rows":58,"n_cols":2,"rows_kept":58,"cut":false,"hidden":false,"merged":[]}
[{"$f":"'Cost of Attendance'!D17&\" \"&'Cost of Attendance'!D16","v":"First Name Family Name"}]
[{"$f":"'Cost of Attendance'!D18","v":"Address"}]
[{"$f":"'Cost of Attendance'!D19","v":" "}]
[{"$f":"'Cost of Attendance'!D20","v":" "}]
[{"$f":"'Cost of Attendance'!D21","v":"USA"}]
[{"$f":"'Cost of Attendance'!D22","v":0}]
[]
[]
[]
[]
["Notification of Student Loan"]
["For Academic Year 2026/27"]
[]
[]
["This is to certify that "]
[]
["Student Name",{"$f":"'Cost of Attendance'!D17&\" \"&'Cost of Attendance'!D16","v":"First Name Family Name"}]
["Date of Birth (dd/mm/yyyy)",{"$f":"'Cost of Attendance'!D24","v":"1988-01-01"}]
["Student/Applicant ID",{"$f":"'Cost of Attendance'!D28","v":"00???????"}]
[]
["Has been accepted in a degree-granting programme (or otherwise eligible programme) at Durham University."]
[]
["Durham University participates in the William D. Ford Federal Direct Loan Program administered by the United States Department of Education."]
["Eligible students attending Durham University may receive federal student loan funding"]
["subject to United States federal legislation, United States Department of Education regulations"]
["and individual borrower eligibility requirements applicable to their programme and period of study."]
[]
["The funding detailed below reflects the federal student loan funding approved for this student for the stated academic year."]
["Start Date","2026-10-01"]
["End Date","2027-09-30"]
[]
["the student (or, in some cases, the student’s parent) will receive the following Direct Loans:"]
["Loan Type","Loan Amount"]
["Direct Subsidized Loan",{"$f":"'Cost of Attendance'!F84","v":0}]
["Direct Unsubsidized Loan",{"$f":"'Cost of Attendance'!F85","v":0}]
["Parent PLUS ",{"$f":"'Cost of Attendance'!E86","v":0}]
["Direct PLUS Loan",{"$f":"SUM('Cost of Attendance'!F87,'Cost of Attendance'!F90)","v":0}]
[]
["Total",{"$f":"B34+B35+B36+B37+B38","v":0}]
[]
["The disbursement dates are as follows:"]
["2026-10-14",{"$f":"B39/3","v":0}]
["2027-01-11",{"$f":"B39/3","v":0}]
["2027-04-26",{"$f":"B39/3","v":0}]
["Total",{"$f":"SUM(B42:B44)","v":0}]
[]
["Authentication"]
[]
["This letter is valid only when issued by Durham University on official University letterhead and signed"]
["by an authorised member of staff within the Student Funding and Immigration Service."]
["Any alteration to this document will render it invalid."]
[]
["Enquiries regarding the authenticity of this letter may be directed to: us.loans@durham.ac.uk"]
[]
[]
[]
[]
["Date Issued",{"$f":"TODAY()","v":"2026-08-04"}]

{"sheet":"Visa Letter (Private Lender)","index":7,"n_rows":51,"n_cols":2,"rows_kept":51,"cut":false,"hidden":false,"merged":[]}
[{"$f":"'Cost of Attendance'!D17&\" \"&'Cost of Attendance'!D16","v":"First Name Family Name"}]
[{"$f":"'Cost of Attendance'!D18","v":"Address"}]
[{"$f":"'Cost of Attendance'!D19","v":" "}]
[{"$f":"'Cost of Attendance'!D20","v":" "}]
[{"$f":"'Cost of Attendance'!D21","v":"USA"}]
[{"$f":"'Cost of Attendance'!D22","v":0}]
[]
[]
[]
[]
["Notification of Student Loan"]
["For Academic Year 2026/27"]
[]
[]
["This letter confirms that :"]
[]
["Student Name",{"$f":"'Cost of Attendance'!D17&\" \"&'Cost of Attendance'!D16","v":"First Name Family Name"}]
["Date of Birth (dd/mm/yyyy)",{"$f":"'Cost of Attendance'!D24","v":"1988-01-01"}]
["Student/Applicant ID",{"$f":"'Cost of Attendance'!D28","v":"00???????"}]
[]
["Has been accepted in a degree-granting programme (or otherwise eligible programme) at Durham University."]
[]
["Based on our calculation of the student’s financial needs and Direct Loan eligibility for the loan period"]
["Start Date","2026-10-01"]
["End Date","2027-09-30"]
[]
["Based upon documentation provided to and reviewed by Durham University,"]
["the student has secured educational funding for the above period of study as follows:"]
[]
["Loan Type","Loan Amount"]
["Private Lender",{"$f":"SUM('Cost of Attendance'!F88,'Cost of Attendance'!F91)","v":0}]
["Total",{"$f":"B31","v":0}]
[]
["The disbursement dates are as follows:"]
["2026-10-07",{"$f":"B32/3","v":0}]
["2027-01-11",{"$f":"B32/3","v":0}]
["2027-04-26",{"$f":"B32/3","v":0}]
["Total",{"$f":"SUM(B35:B37)","v":0}]
[]
["Authentication"]
[]
["This letter is valid only when issued by Durham University on official University letterhead and signed"]
["by an authorised member of staff within the Student Funding and Immigration Service."]
["Any alteration to this document will render it invalid."]
[]
["Enquiries regarding the authenticity of this letter may be directed to: us.loans@durham.ac.uk"]
[]
[]
[]
[]
["Date Issued",{"$f":"TODAY()","v":"2026-08-04"}]