University of Medicine  and Health Sciences                           ST. KITTS  Educating the nextgeneration of physician...
UNIV ERSITY O F M EDICI N E A N D H EA L T H S C I EN C ES Regional Offices                                               ...
STUDENT LIFE                                                                              CAMPUS LIFE • 60                ...
UMHS
OUR MISSIONThe UMHS mission is to educate and nurture a new generation of physiciansprepared to meet 21st century health c...
W E L C
About UMHS • 8–13        	University Quick View        	Accreditation Status        	Credentialed Faculty        	Instruct...
U niversity8U M H S 	                     Q uic k V iew                    Year Founded:     •	 2007                  Inau...
A b out                                           U M H SU M H S 	 10                 Accreditation Status                ...
credentialed FACULTY                          recruited primarily from the United States.    modern teaching facility that...
U M H S 	 12               Campus Visits                                   UMHS facilities:                               ...
Human Simulation Laboratories: UMHS            conducive to learning. The library houses       The ITS Department is compr...
C a r i b b e a n                         S e a                                                Saint                      ...
Prime Minister Denzil L. Douglastraffic department, the fire station,      Banking: Bank branches are easily         Bring...
U M H S 	 16               UMHS                      MORE THAN               JUST A MEDICAL SCHOOL                      ED...
P residen t ’ sM essa g e                                                                        WARREN ROSS, J.D.        ...
O U R F O U N D E R — D r . ro b ert rossU M H S 	 18               A LEGACY OF EXCELLENCE               IN MEDICAL EDUCAT...
Bein g a P hysician“As to diseases, make a habit of two things: to help, or at least to do no harm. The art hasthree facto...
ADM I S S
Admissions Requirements • 22–25          	Overview          	Enrollment Periods          	Admissions Criteria          	Ad...
A dmissionsU M H S 	 22               R equirements               OVERVIEW                                         Test Ta...
Examination Requirements — MCAT:As of January 2011, UMHS requiresapplicants to provide a score for theMedical College Apti...
A dmissions R equirementsU M H S 	 24                                                                                     ...
ARP Program Length: The Accelerated              process as described above, international      Transfers into Second, Thi...
T uition                                                           &               F eesU M H S 	 26               The Uni...
be provided further details regarding liability   student to pack books and supplies without    Transportation Costs: UMHS...
F inancial                                                                          A idU M H S 	 28               UMHS re...
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
UMHS St. Kitts Viewbook 2012
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Located in St. Kitts, West Indies, UMHS is one of the leading Caribbean Medical Schools. UMHS is owned and operated by Warren Ross and his family, who were early pioneers of medical education in the Caribbean. With an innovative campus, small class sizes and low attrition, UMHS students have among the highest USMLE step 1 pass rates. Graduates qualify to practice in the US and Canada.

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UMHS St. Kitts Viewbook 2012

  1. 1. University of Medicine and Health Sciences ST. KITTS Educating the nextgeneration of physicians UMHS
  2. 2. UNIV ERSITY O F M EDICI N E A N D H EA L T H S C I EN C ES Regional Offices Disclaimer North American Administrative Office Midwest/Canada Regional Office All content in the UMHS catalog is subject Northeast Regional Office 5777 Maple Road to change at any time. This includes, but is 460 West 34th Street, 12th Floor West Bloomfield, MI 48322 not limited to, tuition and fees, admissions, Contact: Michele Peres, curriculum, clinical rotation locations, and New York, NY 10001 requirements to graduate. Any changes are Toll Free: 866-686-0380 Vice President of Enrollment Management applicable from the time of the change to Telephone: 212-868-0855 Carole Walker, Regional Director prospective and enrolled students. Date of Email: admissions@umhs-sk.net Toll Free: 877-363-8558 catalog issue: January 2012. Telephone: 248-363-8558 Southeast Regional Office Email: mperes@umhs-sk.net The University of Medicine and Health Sciences 111 Hypoluxo Road admits students without regard to race, color, Lantana, FL 33462 Western Regional Office national origin, gender, religion, disability, Contact: Nancy Ross, 2900 Gordon Avenue or age to all rights, privileges, programs, and Regional Director Executive Suite 100 activities generally made available to students Toll Free: 877-547-1520 Santa Clara, CA 95051 at the University. It does not discriminate on Telephone: 561-547-1520 Contact: E. Leon Mattingly, the basis of race, color, national origin, gender, Email: nross@umhs-sk.net Regional Director religion, disability, or age in administration of Toll Free: 866-735-1135 its educational programs and other University Telephone: 408-735-1135 administered policies. Email: elmattingley@umhs-sk.net For further information about the University of Medicine and Health Sciences visit our website at: www.umhs-sk.orgFor further information about the University of Medicine and Health Sciences visit our website at: www.umhs-sk.org
  3. 3. STUDENT LIFE CAMPUS LIFE • 60 Student Body AIR TRAVEL • 60–61 Getting to Campus Leaving Campus WHAT TO CARRY ON BOARD WITH YOU • 61Welcome ACADEMICS WHAT TO PACK • 61–62ABOUT UMHS • 8–13 ACADEMIC OVERVIEW • 32 Luggage Tags University Quick View Clothing Accreditation Status ACADEMIC CALENDAR• 33 University Dress Code Credentialed Faculty What Not to Bring Instructional Site Locations ACADEMIC PROGRAMS • 34–37 Campus Visits Teaching Methods CUSTOMS • 62 Technology-Based Campus Basic Science Program UMHS Facilities Basic Science Curriculum SHIPPING ITEMS TO ST. KITTS • 62 Technology Support Extended Basic Science Curriculum Disability Accommodations Clinical Science Program EVENTS • 62–63 Fifth Semester New Student OrientationABOUT ST. KITTS • 14–15 Affiliate Hospitals White Coat Ceremony Clinical Science Curriculum Fourth Semester BanquetPRESIDENT’S MESSAGE • 17 Clinical Rotation Placement HOUSING • 63–64OUR FOUNDER • 18 COURSE DESCRIPTIONS • 38–41 Housing Department Off-Campus HousingBEING A PHYSICIAN • 19 GRADUATION INFORMATION • 41–42 Student Housing Requirements Graduation Housing DatabaseADMISSIONS Graduate Training Making Your Housing Selection Licensure RoommatesADMISSIONS USMLE PetsREQUIREMENTS • 22–25 ECFMG Certification Overview CAMPUS SUPPORT SERVICES • 64 Enrollment Periods ADMINISTRATION • 43 Academic Advisors Admissions Criteria Medical Health Care Admissions Requirements FACULTY • 44-54 Mental Health Care Application Procedure Admission Process ACADEMIC POLICIES • 55–57 CAMPUS SAFETY • 65 Application Decision Registration of New Students Accepted Students Grading SPORTS AND RECREATION • 65 Application Checklist Competency Examinations Student Progress ORGANIZATIONS • 66–67TUITION & FEES • 26–27 Academic Probation Student Government Association (SGA) Deposits Non-Academic Dismissal American Medical Student Association Tuition Academic Delays and Absences (AMSA) Direct Cost Withdrawals Religious, Cultural, Sports, Additional Expenses Code of Ethics and Recreation Organizations Liability PoliciesFINANCIAL AID • 28–29 Disciplinary Actions Student Loans Canadian Student Loan Programs UMHS Institutional Loan Program Grievance Policy T a b le Scholarships Tuition Refund Policies Of C ontents
  4. 4. UMHS
  5. 5. OUR MISSIONThe UMHS mission is to educate and nurture a new generation of physiciansprepared to meet 21st century health care delivery in a rapidly changing world.FOREWORDThis catalog has been authorized and approved by the President and Dean of the University of Medicine and Health Sciences. In this catalog aredescriptions of the UMHS educational program and facilities. It is the expectation of UMHS that students will be familiar with the policies andprocedures of the University as described in this catalog and in the UMHS Student Handbook.The University of Medicine and Health Sciences reserves the right to modify or change the curriculum, tuition, or fees of any sort, withoutprior notice. UMHS also reserves the right to modify or change examination and semester schedules, without prior notice. Each student hasresponsibility for complying with degree requirements that are in effect at the time of their enrollment and attendance.
  6. 6. W E L C
  7. 7. About UMHS • 8–13 University Quick View Accreditation Status Credentialed Faculty Instructional Site Locations Campus Visits Technology-Based Campus UMHS Facilities Technology Support Disability Accommodations About St. Kitts • 14–15 PRESIDENT’S MESSAGE • 17 OUR FOUNDER • 18 Being a Physician • 19O M E
  8. 8. U niversity8U M H S Q uic k V iew Year Founded: • 2007 Inaugural Class: • May 2008 Locations: • Basic Science: St. Kitts • 5th Semester: Portland, Maine • Clinical Clerkships: At affiliated hospitals throughout the U.S. Enrollment: • Inaugural class of 22 students. • Anticipated trimester enrollment 100–150 students Course of Study: • Basic Science Program • 5th Semester includes Introduction to Clinical Medicine and Biological Basis of Clinical Medicine • Clinical Science Program To Graduate: • Successful completion of all Basic Science and Clinical Science Programs • Good academic standing • Minimum cumulative GPA of 2.0 • Good financial standing • Pass USMLE Step 1 • Pass USMLE Step 2 (CK and CS) DEGREE CONFERRED: • Doctor of Medicine (M.D.) First Graduation Class: • June 2011 • 100% of students obtained U.S. residency positions Residencies: • First class of students entered residencies in July 2011 Financial Aid: • Institutional loans and Scholarships To Apply: • Apply online at http://www.umhs-sk.org
  9. 9. A b out U M H SU M H S 10 Accreditation Status The next step is for UMHS to be listed Since licensure requirements vary by state, The University of Medicine and Health in the International Medical Education we urge all students to contact their Sciences understands the importance Directory (IMED) of the Foundation for licensure board(s) for further details. of having its program accredited so the Advancement of International Medical that our students may sit for the United Education and Research (FAIMER). In August 2007, the World Health States Medical Licensing Examinations UMHS received this listing June 2008. Organization (WHO) and the University (USMLE) and apply for certification of Copenhagen signed an agreement, from the Educational Commission for As a result of the IMED listing and our which gives the University responsibility Foreign Medical Graduates (ECFMG). accreditation, students at UMHS are for the development and administration This certification is required for an eligible to sit for the United States Medical of new global directories for the academic international medical school graduate Licensing Examination. Graduates that health professions with the assistance to obtain a residency and license to have successfully passed Step 1 and Step of the World Federation for Medical practice medicine in the United States. 2 CK and CS of the USMLE are eligible Education (WFME), which has a long- for ECFMG certification, which is required standing collaboration with WHO. WHO An important first step is to be accredited to obtain a residency in the United will continue its involvement together with in the country where the school is States. The USMLE Step 3 is taken after other partners. located. UMHS was granted provisional graduation. Our first graduating class accreditation by the St. Christopher and occurred in June 2011. 100% obtained The University of Copenhagen has Nevis Accreditation Board, an arm of residencies. provided the data of the World Directory the Ministry of Education, on January of Medical Schools since August 2008, 1, 2008 and again in September 2010. To be eligible for licensure, graduates via the Internet, in a website called the UMHS will be seeking full accreditation must have successfully passed all three Avicenna. The University of Medicine and in 2011. steps of the USMLE and satisfied the Health Sciences listing can be found under requirements specific to each U.S. state. the country of St. Kitts/Nevis. UMHS is a paradise for living and learning.
  10. 10. credentialed FACULTY recruited primarily from the United States. modern teaching facility that containsThe University of Medicine and Health They are intently focused on the success a state of the art classroom, skillsSciences has brought together a team of each student. Teaching modalities laboratory, study area with computerof extraordinary educators, who have range from classic lecture to learning connectivity, examination rooms, studentextensive backgrounds in medical in small group settings. lounge, and faculty offices. Students alsoeducation, research, and administration. have access to a large medical library andFaculty members were selected because A compelling differentiator at UMHS learning resource center in the Portlandof their unique set of academic medicine is the access students have to a variety area. Our facility is strategically locatedcapabilities Team members range from of clinical settings. UMHS offers its within close proximity to several teachingeducators, who transitioned from students a virtual hospital ward on the hospitals, clinics, and housing.private practice to academic medicine, St. Kitts campus. This is a 24-bedto members who have spent their entire hospital ward setting equipped with The fifth semester consists of twocareers focused on providing the finest the latest in simulation. Utilizing required courses that include a USMLEinstruction to medical students. human-computer simulators, students review component. The USMLE review have a platform to discuss medical issues provides additional support to ensureUMHS also has an extensive visiting in small teams, learn physical diagnosis, students have every opportunity to passprofessor program. Each semester we and develop clinical skills in a safe and USMLE Step 1 with competitive scores.invite a significant number of visiting standardized environment. Simulation Students must pass USMLE Step 1 tolecturers from prestigious medical schools integrates clinically relevant material into progress to the sixth semester.in the United States and Canada. The the Basic Science Program.unified goal of all faculty members is to Clinical Rotation Settings: The Clinicalprovide the highest quality education to In addition to the virtual hospital, UMHS Science Program, semesters 5-10,each and every UMHS student. students have access to community health occurs in the United States. UMHS has centers, local hospitals, and professional affiliations with a number of teachingInstructional Site patients. hospitals in New York, Ohio, Connecticut,Locations Georgia, Illinois, Michigan, Maryland,St. Kitts Campus: Students complete Semester 5, Portland, Maine: Clinical Wisconsin, and Puerto Rico. Negotiationstheir Basic Science Program at the UMHS students transition to scenic Portland, are ongoing with additional teachingcampus in St. Kitts. The faculty at the Maine in the United States for their hospitals throughout the United States.St. Kitts campus is highly credentialed and fifth semester. UMHS has developed a
  11. 11. U M H S 12 Campus Visits UMHS facilities: Multi-Purpose Laboratories: Two modern Prospective students and their families are Auditorium: The innovative 210-seat 100-seat multi-purpose laboratories welcome to visit the University of Medicine auditorium is equipped with the latest house cutting edge technology, including and Health Sciences St. Kitts campus. audio-visual tools. The faculty can present audio-visual equipment, high definition Campus visits are by appointment and critically visual information in a variety of LCD monitors, ELMO® presenters, should be scheduled through the Office of ways, including using LCD projectors and computers for Microsoft Office Admissions. All travel, food, and lodging an ELMO® presenter. The auditorium is PowerPoint® presentations, and projection costs for such a visit are the responsibility equipped with plasma screen monitors microscopes. The projection microscopes of prospective students and their families. throughout for easy viewing. Students are enable faculty to present visually relevant The University, however, does offer required to bring their laptop computers microscopic and pathological images for financial incentives for students who want to class, where they have the option to viewing on monitors located throughout to visit our St. Kitts campus in advance of connect through the University’s wireless the laboratories. One of the laboratories attending. Prospective students interested environment or through a desktop port. is equipped with a significant collection in this incentive program should contact of anatomical models for student use. the Office of Admissions for further Historically, medical schools utilize Both laboratories operate in a wireless details. microscopes to teach histology. environment. Today, most U.S. medical schools Technology-Based have contracted with Bachus to access Anatomy and Neuroanatomy Campus an enormous database of digitized Laboratories: UMHS has an 11,000 UMHS operates one of the newest and histological and pathological slides. square-foot state of the art anatomy most technologically advanced campuses. Bachus allows students to view these building that contains both a neuro and The campus facilities incorporate slides in a computer environment where gross laboratory. The gross laboratory is technology on the cutting edge of health they can manipulate the cell structure, furnished with approximately 20 dissection care instruction. The wireless and fully zoom in and out, and measure the tables where students have a 6:1 cadaver networked campus is the cornerstone specific cell. UMHS has incorporated ratio. A prosected cadaver is utilized for of a modern medical school campus. this approach into a course offering and demonstration purposes and is viewed It allows students to access educational has developed an extensive histological over high definition LCD monitors that software, faculty presentations, and online database. The digitized images and data are stationed at the end of each student’s databases from virtually every location are accessible online seven days a week, cadaver work table. Faculty members utilize on campus. Utilization of educational 24-hours a day, anywhere on campus or these monitors to provide PowerPoint® software and auto-tutorial learning is from a student’s apartment. and ELMO® presentations. Power poles emphasized throughout the learning are also placed at the end of each cadaver process and is incorporated into the table for students who want to bring their academic program. laptop/tablet computers to connect to our database of anatomical images.
  12. 12. Human Simulation Laboratories: UMHS conducive to learning. The library houses The ITS Department is comprised ofis a leader in the use of human simulation an impressive collection of multimedia, professionally trained, experienced,models. Human-computer simulation books, and journals in both hard copy and dedicated staff members who areis an advanced capability that allows and electronic formats. In addition, the focused on providing responsive support.students to integrate clinical capabilities library collection includes informational This team supports the Universitywith basic science principles. Faculty resources pertaining to the general arts hardware, software, peripherals, sharedmembers provide simulations that and sciences curriculum. The library has database systems, and multimediachallenge and test students’ clinical and break-out study rooms equipped with equipment. The ITS Department providesdecision-making skills. Students work computers and audio-visual equipment students with a UMHS email account.in the Human Simulation Laboratories for a variety of viewing and listening needs.primarily in Physiology and Introduction Disability Accommodationsto Clinical Medicine I. All desks in the Anne Ross Library are UMHS attempts to provide reasonable laptop ready. The LRC also houses more accommodations to students withThe UMHS Human Simulation than 60 computers for students to access disabilities. The University strives toLaboratories are designed with the various educational programs, software, enable students with disabilities to assistfunctionality and appearance of a student email, the web, and online themselves in achieving their educationalhospital ward or clinic. UMHS recently databases. The librarian and LRC staff goals and enhancing their leadershipadded iStan® to the Human Simulation are available to assist students with development through participation in theLaboratories. iStan® is the most advanced, research, information retrieval, and facets of campus life.realistic, wireless human simulator technology-based questions.available today. It has the capability of Students with disabilities may beproviding jugular vein distention, bilateral Campus Bookstore and Café: The required to provide documentation ofchest movement, real breath, heart, and bookstore provides students with the disability. The cost of assessmentbowel sounds, and articulated motion. required and recommended course and documentation is the student’s textbooks, study guides, diagnostic and responsibility. The University works withClassrooms: There are smaller classrooms surgical tools, as well as other essential students with disabilities to identify andand break-out rooms throughout the items. The café is open throughout the assess needs, provides direct services, andcampus designed to offer students a more day for meals, snacks, and refreshments. refers students to appropriate resourcesintimate and personalized educational both on and off the campus. Assessmentexperience. These classrooms are used Technology Support services may not be available in St. Kittsfor small group instruction, seminars, UMHS utilizes an advanced computer and may need to be procured in thegroup study, and problem-based learning and communications network and United States or Canada.sessions. The small setting allows closer supports the latest in technology-basedinteraction between faculty members and teaching aids. The Information andstudents. Technology Services Department (ITS) manages these capabilities and providesLibrary and Learning Resource Center: end-user support to students and faculty.The Anne Ross Library and LearningResource Center (LRC) is designed toprovide students with an atmosphere
  13. 13. C a r i b b e a n S e a Saint Pauls Sadlers SAINT KITTS hut G ons Newton Pars Ground MensionU M H S 14 ut Sandy Point Town ys Gh tle Ot Cayon t hu nG . nR i dw yo 17˚20 Ca 17˚20 Go Half Way Tree gfie lds Monkey Hill Win Verchilds Village Old Road Town Golden Rock Airport Challengers Boyds Basseterre University of Medicine and Health Sciences, St. Kitts Great Salt Pond Booby Island Nags Newcastle Head Newcastle Airport Burnaby The Narrows Whitehall Cotton ut Ground Gh 17˚10 17˚10 tain n Fou Charlestown Zetlands New River ut Gh ur Sulph Fo u Brown Hill nta in Gh NEVIS ut A b out S t. Kitts St. Kitts and her sister island, Nevis, Western-style amenities, including resort Supermarkets: St. Kitts has supermarkets compose the Federation of St. Christopher hotels, excellent restaurants, taxi services, that are similar to smaller markets in the 62˚50 62˚40 and Nevis. St. Kitts has become the stores for shopping and groceries, and U.S. or Canada. There is a farmers market commonly used name for St. Christopher, houses of worship for a variety of religious open most Saturdays in Basseterre. and the people of St. Kitts are called beliefs. There is a fish market that has fresh catch Kittitians. English is the primary language, daily…cleaned and on ice in a modern although Kittitians often speak a dialect Time: The time observed is Atlantic building on the Bay Road in Basseterre. called Patois. Standard Time, which is 4 hours behind Greenwich Mean Time. Daylight Savings Local Travel: Road conditions in St. Kitts The Federation of St. Christopher Time is not observed. are significantly different than those in the and Nevis is a member of the British U.S. or Canada. Traffic in St. Kitts is on Commonwealth of Nations. The British Electricity: The electricity in St. Kitts is the left side of the road. While roads are monarch is recognized as the head of state. 220 volts/60 cycles. American electricity well paved, they may be narrow and poorly The country became autonomous in 1967 is 110 volts/60 cycles. While many marked. Drivers often stop on the road to and is led by a prime minister. The capital apartments use 110 volts, students may visit with other drivers, blocking at least of St. Kitts is Basseterre. need converters for use with American one lane of traffic. When a driver honks a appliances in off-campus apartments. car horn, it is a common form of greeting, The economy of St. Kitts traditionally Students should contact the Housing not a warning. was focused on sugar cane production. Department prior to arriving in In recent years, tourism, export-oriented St. Kitts to verify the voltage of their Students who choose to rent or own their manufacturing, education, and offshore apartment. Electricity on the UMHS own car must obtain a visitor’s driver’s banking have become the primary campus is 110 volts/60 cycles. license. This may be obtained from the businesses. St. Kitts offers many
  14. 14. Prime Minister Denzil L. Douglastraffic department, the fire station, Banking: Bank branches are easily Bringing Your Family: To enter St. Kitts,or at the airport. To obtain a St. Kitts found in Basseterre, the capital of family members or friends must have alicense, students must already have a St. Kitts. Banks are open Monday valid passport and travel documents.valid driver’s license from their home through Thursday from 8 am-2 pm Those who are planning to stay morecountry and/or state. and Friday 8:00 am-4:00 pm. Each than 30 days will need a resident visa, bank provides 24-hour ATM services, which is typically extended only to spousesPublic transportation consists of and cash distributed by ATM is in EC and children.mini-buses and taxis. The University dollars. The UMHS ATM is affiliateddoes provide transportation for students with the Royal Bank of Canada. The University of Medicine and Healththat live beyond walking distance of Sciences does not offer schooling for thecampus. Because of the road conditions, Banks include: children of faculty, staff, or students.the use of a motorcycle and/or bicycle • Bank of Nova Scotia A list of private schooling options, bothis not recommended. • First Caribbean International Bank elementary and secondary, and their • Royal Bank of Canada availability is maintained by the University.Currency: The currency of St. Kitts is • St. Kitts-Nevis-Anguilla A small number of the schools in St. Kittsthe Eastern Caribbean (EC) dollar. • National Bank Ltd. provide a Western style of education.The official rate has remained steadyat approximately $2.7 EC dollars to Employment Opportunities: Theone U.S. dollar. Most businesses accept Government of St. Kitts imposesU.S. currency; however, change will be restrictions regarding who can workgiven in EC dollars and the exchange on the island. It is likely that familyrate may be slightly different. and/or friends will not be able to gain employment while on the island.
  15. 15. U M H S 16 UMHS MORE THAN JUST A MEDICAL SCHOOL EDUCATION,  UMHS GIVES STUDENTS  A WORLD-CLASS  EXPERIENCE IN THE  UNIQUE ISLAND NATION OF ST. KITTS.
  16. 16. P residen t ’ sM essa g e WARREN ROSS, J.D. President University of Medicine and Health SciencesIt gives me great pleasure to welcome you campus includes an 11,000 square- component, is held at our Portland,to the University of Medicine and Health foot state of the art anatomy building, Maine campus. In semester 5, ourSciences. At UMHS, we are dedicated to a 24-bed virtual hospital environment students have an opportunity to workyour success, where students come first! with more than 20 computerized human one on one with a large number of highly simulators, multiple classrooms and qualified and credentialed physicianOur vision is to have a boutique medical laboratories, an auditorium, and a large preceptors. Students are preparedschool for students that deserve and library and learning resource center with throughout the Basic Science Programdemand a quality education in a small over 60 computers for student use. All as well as the fifth semester for USMLEschool environment. of our classrooms and laboratories are Step 1. equipped with the latest in audio-visualOur faculty is highly credentialed and equipment to enhance the quality of We are proud to announce that we justrecruited primarily from the United States. education. had our first graduating class in JuneThey love to teach and dedicate virtually 2011. 100% of our graduates obtained100% of their time to students. The trend in the United States is to teach a residency program in the United States. histology utilizing a database of digitizedThe Basic Science Program, semesters slides that correlates directly to a specially If you are considering medical school,1-4, is located at our state of the art designed laboratory manual. At UMHS I would like to invite you to attend onecampus on the beautiful Caribbean Island we have embraced this new technology. of our information sessions to learn moreof St. Kitts. Our traditional medical Students utilize the Bachus database of about the benefits of attending UMHS.school curriculum compares with most histological images that can be accessed If you are in the New York area, pleaseU.S. medical schools. Students are tested and utilized in class, in the library/ feel free to stop by our office and meetin block format throughout the semester. learning resource center, as well as at our admissions staff.Shelf examinations, which simulate mini home through a web browser.USMLE-style examinations, are also As a hands-on president, I am alwaysintegrated into the academic program. Our anatomy lab is equipped with cutting interested in meeting new students.Students have access to a variety of edge technology and is a model for U.S. Feel free to come in and say hello.clinical settings including community schools to follow. We urge you to viewhealth centers, local hospitals, skills the Campus section of our website for Sincerely yours,laboratories, and professional patients. more details on all of our facilities.We invested more than $50 million The Clinical Program, consisting ofdollars to develop one of the most semesters 5-10, is completed at majormodern campuses in the Caribbean that teaching hospitals in the United States. Warren Rosscan compare, or even exceed, that of The fifth semester, which includes a Presidentmost U.S. medical schools. Our wireless clinical correlations and board review University of Medicine and Health Sciences
  17. 17. O U R F O U N D E R — D r . ro b ert rossU M H S 18 A LEGACY OF EXCELLENCE IN MEDICAL EDUCATION DR. ROBERT ROSS (1917–2011) Founder University of Medicine and Health Sciences Dr. Robert Ross (1917–2011) had a Students graduate with a degree from that utilizes human simulators. Here lifetime of expertise in the area of medical a U.S. partner school and are eligible to students can integrate clinical skills education. As the founder and former apply for the NCLEX-RN and practice with basic science knowledge early in owner of one of the largest and most nursing in the U.S. Pass rates on the their training. prestigious Caribbean medical schools, NCLEX currently exceed 90%. Robert Ross brought a wealth Dr. Ross was an idealist — because he saw of experience, knowledge, and resources With the success of IUON, Dr. Ross a rapidly changing medical profession that to offer you the best education possible. turned to addressing the growing need will require physicians to be well educated, for qualified physicians in the U.S. and able to adapt to new technologies Dr. Ross was a benefactor—because he Canada. In 2007, Dr. Ross founded easily and quickly, yet can demonstrate continued to address the growing need for the University of Medicine and Health compassionate support to each and qualified health care practitioners in the Sciences (UMHS). The UMHS inaugural every patient. He believed those were the United States and Canada. His reputation medical school class was seated in capabilities that will define physicians in in developing academic institutions and May 2008. the 21st century. his dedication to excellence were known worldwide. Dr. Ross was an innovator — by using Dr. Robert Ross leaves a lasting legacy technology and the latest teaching to each and every student and graduate. In 2005, Dr Ross founded the techniques to provide an academic He will be missed. International University of Nursing institution dedicated to excellence. The (IUON). This is a modern, state of the state of the art classrooms are conducive art institution located on the exotic to large and small group instruction with Caribbean island of St. Kitts. IUON offers a focus on problem-based learning. a traditional BSN program that can be completed in approximately 2 years. UMHS opened a new 11,000 square- IUON is affiliated with several prestigious foot facility for the anatomy and nursing schools in the United States neuroanatomy laboratories. The University where students complete their senior year. also has a 24-bed virtual hospital ward
  18. 18. Bein g a P hysician“As to diseases, make a habit of two things: to help, or at least to do no harm. The art hasthree factors, the disease, the patient, the physician. The physician is the servant of the art.The patient must co-operate with the physician in combating the disease.”—Hippocrates— The physician is the servant of the art. A successful physician has the scientific knowledgeto understand the disease. The art is in understanding how to best apply the scientificknowledge to each patient. The successful physician incorporates the art of listening tothe patient and being able to compare what is heard with what is known. There is anart to seeing each patient as an individual with unique needs and an art to providingcompassionate care. The successful physician understands how to take care of himself/herselfas a person. The art to sharing oneself as a physician is to understand oneself as a person.At UMHS, our mission is to educate and nurture a new generation of physicians preparedto meet 21st century health care delivery in a rapidly changing world. Our goal is to help ourstudents grow as scientists and clinicians, but most importantly as human beings who areable to integrate the science and the art of being a physician.
  19. 19. ADM I S S
  20. 20. Admissions Requirements • 22–25 Overview Enrollment Periods Admissions Criteria Admissions Requirements Application Procedure Application Process Application Decision Accepted Students Application Checklist Tuition & Fees • 26–27 Deposits Tuition Direct Cost Additional Expenses Financial Aid • 28–29 Student Loans Canadian Student Loan Programs UMHS Institutional Loan Program Scholarships Tuition Refund PoliciesI O N S
  21. 21. A dmissionsU M H S 22 R equirements OVERVIEW Test Taking Ability: If an applicant has rigorous academic requirements of a highly Applicants to the University of Medicine taken standardized tests, it is important structured curriculum. and Health Sciences should be highly that the scores be shared with UMHS. motivated, dedicated, and determined to The test scores are helpful in evaluating Educational Requirements: Applicants must become physicians. A commitment to the applicant’s needs relative to placement have successfully completed the following serve others and a desire to become caring in the UMHS curriculum. The Medical pre-requisites: physicians are key characteristics of the College Aptitude Test (MCAT) is required Inorganic or General One Year diverse UMHS student body. by UMHS for all U.S. citizens and Chemistry (with labs) permanent residents. Any applicant who Organic Chemistry One Year Serious consideration is given to all took the test one or more times must (with labs)* candidates showing the potential to submit all the results with their application. General Biology or One Year meet the University’s rigorous academic While not required of non-U.S. citizens, Zoology (with labs) requirements. Many variables, including, it is recommended for all applicants, but not limited to, academic performance, specifically those who are Canadian Physics (with lab) One Semester credit load, work and research experience, citizens or residents. English One Year letters of recommendation, and a personal College Level One Semester essay are carefully reviewed when assessing Motivation: Perhaps one of the most Mathematics candidates. important qualities of an applicant is a (preferably Calculus or Statistics) level of personal motivation for success. * Applicants may substitute one semester of All candidates are given an opportunity to At UMHS, we seek students who have Biochemistry for Organic II if this is the prescribed discuss their academic records and provide demonstrated the ability to adapt, to pre-medical chemistry sequence at your college any other background information during an study hard, to integrate various modes of or university. in-person interview at one of the University’s instruction and to retain useful knowledge Advanced placement courses may meet four regional offices. The prospective required for promotion. The applicant’s only one semester of the chemistry and/or student’s maturity, aptitude, and motivation personal essay, letters of recommendation, one semester of the physics requirements. are assessed during the interview. and the personal interview are important Advanced placement will not satisfy components used to assess motivation. the English, Biology, or non-science Enrollment Periods requirements. Students are accepted to UMHS in three ADMISSIONS REQUIREMENTS enrollment periods: January, May, and Prospective students must meet the Educational Recommendations: Applicants September. minimum requirements for admissions should have a broad background in the to the University of Medicine and Health humanities and have completed at least Admissions Criteria Sciences. Applicants are expected to have 12-16 credit hours in either the humanities Academic Performance: UMHS reviews completed a minimum of three years of and/or the social or behavioral sciences. transcripts to determine whether the study (90 semester credits) at an accredited It is recommended that additional science applicant has the intellectual capability to college or university. However, it is highly courses such as Genetics, Anatomy, perform in a challenging medical school recommended that applicants earn a Physiology, and Biochemistry be taken. curriculum. At UMHS, we are more Bachelor’s Degree prior to matriculating interested in the pattern of an applicant’s at UMHS. It is also highly recommended that academic development than whether or applicants have experiences in clinical not the applicant had difficulties some The Admissions Committee gives settings, research, public health, or years past. serious consideration to all candidates community outreach activities. demonstrating the potential to meet the
  22. 22. Examination Requirements — MCAT:As of January 2011, UMHS requiresapplicants to provide a score for theMedical College Aptitude Test (MCAT).Examination Requirements — TOEFL:International students whose principallanguage is not English must take theTest of English as a Foreign Language Letters of Recommendation: If there is a ADMISSIONS PROCESS(TOEFL). At a minimum, a score of 600 Pre-Professional Advisory Committee at the Standardized Tests: UMHS is interestedon the paper-based version or 250 on college or university from which applicants in seeing all standardized test score reportsthe computer-based version of the completed their pre-medical or post- (if taken), including SATs, ACTs, GREs,TOEFL must be achieved. baccalaureate coursework, then we strongly or any and all tests that will assist UMHS recommend that applicants obtain a letter in evaluating a prospective student’sApplication procedure of recommendation from this committee. application. MCATs are required as ofThe application must be fully completed Applicants who do not submit a letter from January 2011. The test scores are helpful inin order for an applicant to be scheduled the Pre-Professional Advisory Committee evaluating the applicant’s needs relative tofor a personal interview. must explain in writing why they have opted placement in the UMHS curriculum. not to do so. Applicants who attended aApplication: The application may be school at which there is no Pre-Professional Preliminary Evaluation: The UMHS Facultycompleted electronically by going to the Advisory Committee must submit at least Admissions Committee reviews eachUMHS website (http://www.umhs-sk.org) two letters of recommendation from application and conducts a preliminaryand clicking on Inquire/Apply. Applicants faculty members in a department of the evaluation of the applicant’s credentials.should make sure the application is applicant’s major area of study. Additional If it is determined that the applicant meetscomplete, including listing all colleges and letters may be submitted from professional the University’s minimum qualifications,universities attended, before they click on health care workers who have had direct the applicant will be invited for a personalthe submit button. Once the application experience working with applicants. Letters interview.is submitted, students cannot access their of recommendation should be on officialapplication without permission from the letterhead and sent directly from the Personal Interview: Qualified applicantsAdmissions Department. Students who college/university to UMHS at the Office will be invited to one of the University’sdo not have access to a computer should of Admissions. four regional offices for a personalcontact the Office of Admissions to receive interview. The regional offices are in Newa paper application. Official Transcripts: Applicants must York, Florida, Michigan, and California. request official transcripts from allPersonal Essay: The personal essay is universities or colleges previously attended. Applicants will be given the opportunity toan important aspect of the application. Unofficial transcripts provided by the discuss their academic record and provideApplicants should be sure to follow the applicant will be accepted only for the any additional background information thatdirections completely. purposes of an initial evaluation. No may help the UMHS Admissions Committee application, however, is considered to be assess the applicant’s maturity, aptitude,Application Fee: Applicants must submit a complete until official transcripts have been and motivation. All documentation not$75.00 application fee. This may be done sent directly from the applicant’s previously able to be sent electronically must bevia credit card payment or by check sent attended universities or colleges. mailed directly to the University at:via U.S. Mail.
  23. 23. A dmissions R equirementsU M H S 24 ( continued ) University of Medicine and Health Beginning with the September 2011 term, Admissions of your desire to participate Sciences, St. Kitts the admissions committee has determined in this program. North American Administrative Office that some of those admitted will be • Those who begin the regular four 460 West 34th Street accepted directly into the EBS program. semester program may opt into the EBS New York, NY 10001 Theses decisions are based upon a variety program following the completion of the ATTN: Office of Admissions of criteria that may include overall GPA, first mini examination if the results the GPA in the required pre-requisites, the suggest that more time would be Application Decision MCAT score, the passage of time between advantageous for successful completion Applicants can anticipate admissions completing the basic sciences and entering of the basic sciences. decisions being made usually within into medical school, a limited number of • Students may only opt into this program two weeks after the personal interview is advanced science courses completed at the in the first semester. conducted. Applicants will be notified undergraduate level, and even language in writing of the decision reached by the issues for those who speak English as a 4) Denial: The applicant has not met University of Medicine and Health Sciences Second Language, or some combination the minimum entrance qualifications as Admissions Committee. of these factors. determined by the UMHS Admissions Committee. An applicant may appeal There are five decision options: We feel confident that this is a good option this decision, in writing, and must supply for those of you who voluntarily choose to additional supporting documentation 1) Acceptance: The applicant has been complete the EBS as well as for those who for review by the Admissions Committee. accepted to attend UMHS. have been admitted into the EBS by the admissions committee—the ultimate goal 5) Accelerated Review Program (ARP): 2) Acceptance/Wait List: The applicant has being to reduce your course load in order to This program is designed for students been accepted to attend UMHS; however, perform well and master the information. who have the drive to become successful the next semester is currently full. The Courses are taken with students in the physicians but need additional academic applicant is placed on a wait list and offered regular four semester program so all EBS and study skills support to ensure their the opportunity to attend in the upcoming students are part of the “mainstream.” success in the rigorous UMHS medical semester if a vacancy occurs. Otherwise, As an incentive the University has reduced education program. UMHS believes that the student is accepted for the next available the tuition to $6740 per semester in the with the right support, students who have semester. extended basic sciences program. The only the passion to become physicians can additional costs to students attending the master the educational process to achieve 3) Acceptance to the Extended Basic EBS are time (an additional semester and their goal. Science Program: The University of cost of living on the island)—and semester Medicine and Health Sciences introduced fees but not additional tuition above that ARP Program Goals: The ARP program is the Extended Basic Sciences (EBS) Program paid by those completing the four semester designed to: effective with the May 2011 Class. The sequence. • Assist students with study skills that program was designed for entering students increase their opportunity to successfully who wished to spread the highly compressed Please note the following: complete the UMHS medical education work of the first four semesters of the • Those admitted to the EBS program program. MD program over a five semester period. or opting into the program will not be • Provide students with additional exposure Students accepted into the university permitted to accelerate into the four and/or review in targeted courses. may opt for this program up until a week semester Basic Science Program at a • Reduce attrition once a student enters after the first block exam in semester later date. the UMHS medical school program. one. Applicants were invited to enter this • Those who volunteer for the EBS should • Increase student confidence in their program if, in their view, they could benefit make their intentions known prior to the ability to be successful academically. from the additional time to complete the start of classes and registration on academic program. St. Kitts. Please notify the Office of
  24. 24. ARP Program Length: The Accelerated process as described above, international Transfers into Second, Third, and FourthReview Program is a one semester program. applicants must submit scores from the Semesters: Application for transfer into English proficiency examination, Test of semester 2, 3, or 4 will be consideredARP Student Selection: Students who English as a Foreign Language (TOEFL). on an individual basis. Any studentapply to UMHS and have met all minimum International students who are from an who transfers into UMHS must haveentrance requirements will be considered English-speaking country may be exempt satisfactorily completed all the medicalfor the Accelerated Review Program. The from this requirement. Applicants should school admissions requirements. InUMHS Admissions Committee will base contact the Department of Admissions to addition, medical school transcriptstheir decisions for admittance to ARP on determine if they are exempt. will be evaluated to determine coursethe student’s prior academic performance, comparability and the level of advancedthe personal interview, and assessment of Applicants who attended international standing.the student’s ability to successfully complete colleges or universities must have theirthe UMHS medical education program and college courses evaluated by an approved Undergraduate and medical schoolpass the United States Medical Licensing National Association of Credential transcripts must accompany the UMHSExamination, Steps 1 and 2. Students that Evaluation Services (NACES) agency such application. Initially, unofficial transcriptssuccessfully complete the ARP program as World Education Services. A NACES will be accepted; however, officialwill be accepted into the first semester agency determines if the courses are transcripts are required to complete theof UMHS. comparable and equivalent to courses application process. taken in the United States or Canada.ACCEPTED STUDENTS All required documents, if originally in a Application ChecklistOnce accepted to the University of foreign language, must be accompanied The application must be fully completedMedicine and Health Sciences, a student by a notarized English translation. prior to an interview being scheduled forwill be assigned a post-acceptance director the applicant.and sent a Welcome Package by U.S. Mail. TRANSFER POLICY A completed application consists of:The role of the post-acceptance director The University of Medicine and Health • Completed Application — eitheris to review the Welcome Package with the Sciences - St. Kitts (UMHS) does not accept electronic or paperstudent and assist them with all aspects transfer students beyond the fifth semester. • Personal Essayof the enrollment process. For example, • Application Fee — $75.00prior to arriving at the UMHS St. Kitts Transfers into Fifth Semester: Students • Letters of Recommendationcampus, all accepted students must have seeking to transfer into the fifth semester • Official Transcripts froma valid passport, a medical examination will be considered on an individual colleges/universities attendedthat includes required immunizations, and basis. Transferring students must take, • GRE and TOEFL Examination Scores,a background check. Travel arrangements at a minimum, the UMHS fifth semester if takenwill also need to be completed. curriculum in Portland, Maine. Students • Signature Form signed by the applicant who are lacking satisfactory completion • MCAT Score is required (See Page 22,INFORMATION FOR of any basic science courses must retake Test Taking Ability)CANADIAN APPLICANTS those courses at the UMHS - St. Kitts basicCanadian applicants should follow science campus. All application documentation, other thanthe procedures listed above. Financial the application and essay if completedinformation for Canadian applicants is Undergraduate and medical school electronically, must be mailed to:included in the catalog chapter called transcripts must accompany the UMHS University of Medicine and HealthTuition & Fees. application. Students may initially provide Sciences, St. Kitts unofficial transcripts; however, official North American Administrative OfficeINFORMATION FOR transcripts from each school or university 460 West 34th StreetINTERNATIONAL APPLICANTS are required to complete the application New York, NY, 10001In addition to completing the application process. ATTN: Office of Admissions
  25. 25. T uition & F eesU M H S 26 The University of Medicine and Health Sciences prides itself on providing a quality BASIC SCIENCE TUITION RATES PER SEMESTER FEE—Semesters 1–4 education at an affordable price. We Basic Science Tuition $8,600.00 understand the significance of student debt Health Insurance (age-based) $284.00–$684.00 Evacuation Insurance $105.00 load and have established tuition at a value Lab Fees $500.00 that makes the academic program, as well Student Government Association (SGA) $30.00 as repayment, affordable, and far below that of many other schools. EXTENDED BASIC SCIENCE TUITION RATES Per Semester Fee—Semesters 1–5 Extended Basic Science Tuition $6,880.00 There are two categories of costs associated Health Insurance (age-based) $284.00–$684.00 with attending any educational institution: Evacuation Insurance $105.00 Lab Fees $500.00 Student Government Association (SGA) $30.00 Direct Costs: Direct costs are those associated specifically with institutional ACCELERATED REVIEW PROGRAM PER SEMESTER FEE charges billed directly by UMHS. Direct TUITION RATES charges include tuition, lab fees, course Accelerated Review Program Tuition $3,000.00 fees, medical and evacuation insurance, Health Insurance (age-based) $284.00 -$684.00 and applicable registration fees. Evacuation Insurance $105.00 Student Government Association (SGA) $30.00 Indirect Costs: Indirect costs include CLINICAL SCIENCE TUITION RATES PER SEMESTER FEE—Semesters 5–10 housing, living expenses, books, supplies, Clinical Science Tuition $11,000.00 and transportation. Students should be Health Insurance (age-based) $284.00–$684.00 aware that they are responsible for all Liability Insurance $344.00 indirect expenses. UMHS does not bill or receive money for indirect costs. Students Tuition rates effective January 2012 may choose to take loans to assist with Note: Tuition rates are subject to change without notice. these costs. UMHS only bills for direct costs. Students, Tuition will be prorated for students who The cost of medical insurance purchased however, should take into account both are less than full time at a rate of $650.00 through UMHS varies depending upon a direct and indirect costs when planning per credit in the Basic Science portion of student’s age. their financial needs. the program, and $750 per credit for the clinical semesters. Evacuation Insurance: Students are DEPOSITS required to have medical evacuation Upon acceptance, a non-refundable DIRECT COST insurance while attending the UMHS $200.00 deposit must be received by UMHS There are additional direct cost expenses St. Kitts campus. This insurance covers within 10 days. This deposit will be credited for all students attending the UMHS. the costs due to evacuating a student towards the first semester tuition. from St. Kitts should there be a medical Health Insurance: Health insurance is emergency. Enrollment in the medical TUITION required for all students attending UMHS in evacuation insurance plan offered by Tuition and payments are due each St. Kitts or in the United States. Enrollment UMHS is automatic and is due at the semester before classes begin. Payments in the medical health insurance plan offered beginning of each semester. can be made by money order, credit card, by UMHS is automatic unless proof of or through financial aid. Failure to pay fees health insurance coverage is provided by Liability Insurance: Liability insurance is and tuition may result in an inability to the student before or during registration. required for students throughout the clinical complete registration for classes. program in the United States. Students will
  26. 26. be provided further details regarding liability student to pack books and supplies without Transportation Costs: UMHS providesinsurance prior to returning to the U.S. exceeding the checked luggage weight limit. transportation to students that live outsidefor fifth semester. the general vicinity of campus. Transports Laptop/Tablet Computers: Students pick up students in the morning and returnLaboratory Fees: Students are responsible are required to bring a Microsoft at various times during the day and evening.for laboratory fees each semester. This fee Windows®-based laptop/tablet computer Students are encouraged to purchase aencompasses costs associated with the use to campus as of first semester. Computers used vehicle in St. Kitts. This is a short termof laboratory, competency testing, and are utilized in virtually every classroom investment that yields a tremendous amountcomputer facilities. The laboratory fee will and laboratory where students can access of enjoyment and satisfaction. Used carsbe billed along with tuition for all semesters faculty PowerPoint® presentations and can be purchased at a reasonable cost.in St. Kitts. class notes. UMHS has followed the The UMHS Student Service Office maintains lead of U.S. medical schools in developing a list of available used cars and can assistADDITIONAL EXPENSES a digital library of histological images. students in locating an appropriate vehicle.Book and Equipment Needs: Each In the past, students were required to In many cases, students can recover mostsemester, students receive a list of the utilize microscopes to view these images. of their investment when they ultimatelyrequired books, supplies, and uniforms Today, histology is taught in modern sell their vehicle.that they will need to purchase. The most computer laboratories where studentsefficient way to obtain these items is can manipulate the images and resolution Living Expenses: Students should budgetthrough the Campus Bookstore on the to optimize the learning experience. for typical living expenses, including housing,St. Kitts campus. The books offered will be Furthermore, all students are required utilities, food, local transportation, andthe latest editions available at the time of every semester to use their own personal entertainment. Costs will vary based onshipping. Entering students should purchase computer to take the web-based NBME the level of accommodation and location.their books in advance of traveling to St. shelf examinations. For more informationKitts to ensure the order is available upon about laptop/tablet computer requirements,arrival. Students should be aware that most refer to the UMHS website under Acceptedairlines have weight restrictions for checked Students.luggage. This makes it difficult for the
  27. 27. F inancial A idU M H S 28 UMHS recognizes that a medical approved by the bank for an amount larger UMHS Institutional education requires a significant financial Loan Program than the cost of attendance, the Office of investment from the student and their Financial Aid will only certify a maximum UMHS offers a special loan program families and encourages students to amount equal to that of your total cost. for both incoming and current UMHS pre-plan and carefully consider all Consumer or other personal debt (credit medical students. This is a needs-based anticipated costs. Applicants receive cards, mortgages, car payments, legal loan program that requires a credit- a detailed financial aid package and fees, etc.) cannot be included in the worthy U.S. cosigner. Applications are offered financial aid counseling. cost of attendance. for this loan program can be obtained The Office of Financial Aid staff helps from the Office of the Financial Aid at applicants review and understand how The UMHS website (www.umhs-sk.org) jsutter@umhs-sk.net. their previous education debt, personal offers the most current financial aid/loan financial resources, and credit history information. Scholarships may impact their ability to finance their A limited number of partial tuition medical education. CANADIAN STUDENT scholarships in the amounts of $500, LOAN PROGRAMS $750, and $1,000 per semester are Once enrolled, students continue to There are several loan opportunities for awarded to students in each UMHS receive guidance from the Office of Canadian students who are accepted to incoming class. The scholarships are Financial Aid with presentations and study medicine at UMHS. merit-based and award amounts are practical workshops on budgeting, determined by the strength of the credit awareness, and debt management Provincial Loans: The Canadian student’s previous academic record as strategies. Each UMHS financial aid government provides loan information recorded in their admissions application. counselor has years of experience helping and access to the National Student Loan All accepted students are automatically students develop viable financial plans to Center through their Can Learn website at considered and reviewed for institutional achieve their educational goals. www.canlearn.ca. UMHS does not qualify scholarship funds. for the provincial loans at this time. Financial aid consists of institutional loans However, postponement of repayment UMHS also offers two scholarships to and scholarships. Because UMHS is a new on previous provincial loans and tax citizens of St. Kitts and Nevis. Criteria university, students are not yet eligible to credits is often available. Please contact for these scholarships will be sent to receive aid from any of the federal student the Office of Financial Aid and the Can those recommended by the Ministry aid programs available through the U.S. Learn website for further details. of St. Kitts and Nevis. Federal Direct Loan programs. There is a UMHS Financial Planning Guide available Credit-Based Loans: To supplement TUITION REFUND POLICIES in the Financial Aid Section of the provincial loans, UMHS has coordinated Students who officially withdraw from University website (www.umhs-sk.org). credit-based loans with the Royal Bank the University will have their refunds, if of Canada and the National Bank of any, calculated according to the tuition Student Loans Canada. Each program offers specific refund schedule that is published in the Loans are monies that must be repaid. terms and conditions as well as pre-set UMHS Student Handbook and website. Typically repayment begins after students limits. The lines of credit are credit-based The percentage of refund is based on the have completed their education. Student and a co-signer may be required. To actual date of withdrawal recorded by the loans have varying interest rates and terms apply for a credit-based loan from Royal Registrar. This may not necessarily result in of length that can affect the total amount Bank of Canada or the National Bank of a refund, and in some instances, a tuition a borrower will pay over the life of the loan. Canada, Canadian students accepted at balance may still be due. Insurance and fees UMHS may go to any bank branch office are non-refundable. Refunds are mailed A student will not be permitted to borrow with their acceptance letter. (See university directly to the student’s home by the Office more than the cost of attendance for each website for most up to date information of the Bursar. loan period. Even if a student loan is credit on Canadian Loans.)

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