Special Circumstances

 

At Duke, we take the time to personally consider each individual family's financial circumstances. We make every effort to be as accommodating as possible when determining your financial aid award, and we have developed guidelines to help you understand what we can and cannot consider as special circumstances.

Circumstances Already Considered in Your Aid Award

The following circumstances are automatically considered when evaluating your financial aid:

  • Federal, state, and other taxes
  • Medical expenses that are either
    • 4% of your total income or less, or
    • reported on your IRS Form 1040 Schedule A, line 1
  • Routine household expenses
  • Routine vehicle and travel expenses
  • Tuition expenses for children in private primary/secondary schools
  • Multiple children in college
  • Previously reported special circumstances

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What Qualifies as a Special Circumstance?

When determining financial aid eligibility, the following qualify as special circumstances and should be included in a letter at the time of application or at the time the event occurs:

  • Support of multiple households (married family members living apart, elder care, or care of family overseas)
  • One-time income
    • Withdrawal of retirement funds for emergency purposes
    • Moving allowances or similar expenses incurred and reimbursed by an employer
  • Funeral expenses or unreimbursed medical and dental expenses that are both
    • 5% of total income or more, and
    • Not reported on your IRS Form 1040 Schedule A
  • Educational debt
    • Note: we will only consider parental educational debt that is currently in repayment, documented, and for students (parents and/or siblings) who are no longer enrolled
  • Job loss or significant reduction in income

If you have experienced one of the situations above (other than job loss or income reduction), please click here to download the Special Circumstances Form. For the 2017-18 academic year, please submit this form and any accompanying documentation prior to February 25th, 2018 to receive consideration.

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What Doesn't Qualify as a Special Circumstance?

When determining financial aid eligibility, the following are not and will not be considered in our analysis, and therefore would not qualify as special circumstances:

  • Expenses related to
    • Pets
    • Housekeepers
    • Vacations
    • Weddings
    • Extracurricular Activities
  • Consumer Debt
  • Fraternity/sorority dues
  • Graduate school expenses for siblings and/or other family members
  • Financial aid offers from other institutions
  • Unwillingness to contribute to educational expenses
  • Inability to pay the calculated family contribution from current income*


*Please note: It is our expectation that families will use all resources available to them to finance the expected family contribution (EFC) including current salary, savings, investments, payment plans and parent loans if necessary.

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Special Considerations for Income Reductions or Job Loss

If you've experienced a significant reduction in pay in 2017 due to one of the qualifying events listed below, we will reevaluate your financial aid in the spring term, once all earnings information from 2017 can be assessed.  This means that you cannot request a special circumstance review for income reductions or a job loss prior to January 2018, and your completed 2017 tax returns, W2's, and the Verification of Income form should be submitted prior to February 25th, 2018. Your fall financial aid award will not change until the after the evaluation of your 2017 tax information, at which point it will be retroactively adjusted based on your finalized financial information for the year.  We understand this may result in a financial burden for the fall semester, and we will work with you to determine the best financing options available until your financial aid award can be reevaluated.

The following events will qualify you for reevaluation of your financial aid when finalized documentation is available regarding your earnings from the prior year:

  • Job loss/termination
  • Wage/salary reduction
  • Mandatory furlough

Please Note: If you are a business owner, reductions in income as a result of business operations cannot be considered under the special circumstance process unless your tax returns for your family and all businesses can be completed and submitted by February 25th, 2018. 

For non-business owners, families should be aware that data must be collected from the entire household who wishes to appeal on the basis of income loss (i.e. wage statements must be received for all wage earners) to determine the net change in household income for the current aid year.  Applications submitted citing only one family members change in earnings will not be considered.

When considering financing options, we recommend looking into monthly payment options, additional federal student loans, federal parent loans, or other private/alternative loan options.  Find out more about your financing options, and contact us if you need assistance.

To receive a re-evaluation of your aid based on an income reduction or job loss, please click here to complete a verification of income form.  Additionally, please send in all accompanying documentation--including your completed 2017 taxes to the Karsh Office of Undergraduate Financial Aid Support.

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