UC CO-OPS AND INTERNSHIPS GIVE

UNDERGRADUATES REAL-WORLD
EXPERIENCE AS EARLY AS FRESHMAN YEAR.

UC | momentum
Terrance McGuire ’09 will graduate with a BS in mechanical engineering and an MS in
nuclear engineering. After that there’s no stopping him—but then, there’s no stopping
him now. He’s been a student senator, an engineering ambassador, and had three co-ops
with Battelle Memorial Institute, doing national security work on a machine that detects
biological agents in the air. “UC is helping me lay a foundation for my future,” he says.
Passion. Discovery. Achievement.
2 • FOCUS ON EDUCATION

www.uc.edu/momentum
THE UNIVERSITY OF CINCINNATI
The University of Cincinnati is ranked among the top 100 public universities by U.S. News
& World Report and is a national leader in providing rigorous, relevant, student-centered learn-
ing that benefits our community—and the world beyond. Today, UC is redefining what it means
to be an urban research university.

UC offers more than 30 nationally ranked programs, including top-tier programs in entrepre-
neurship, architecture, criminal justice, and medicine. Our co-op program—a UC invention in
1906—is one of the nation’s most comprehensive, allowing our students to earn valuable profes-
sional experience—and substantial salaries—-while they complete their degrees. The opening of
MainStreet on the Clifton campus is transforming student life at UC—with better facilities, inter-
active programming, and student involvement. Opportunities like our Cincinnatus Scholarships
and Cincinnati Pride Grants reward student achievement and help ensure that a quality UC edu-
cation remains affordable. Our commitment to excellence and access is why UC educates more
teachers, doctors, scientists, and business people than any other institution in the Tri-State and
attracts more than $330 million per year to support groundbreaking research. Quality programs.
Innovative ideas. Proven success. It’s all UC.

ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . 2600 Clifton Ave. Cincinnati, OH 45221

WEBSITE:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.uc.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . 513-556-1100;

www.admissions.uc.edu

GRADUATE ENROLLMENT PHONE: . . . . . . . 513-556-4335; www.grad.uc.edu

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1819

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36,518

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15:1

NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . 167

NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . 170

SUBJECT MATTER EXPERTISE: . . . . . . . . Cooperative Education (in Business,

Engineering, Design, and other disciplines), Medicine, Law, Music,
Entrepreneurship, Criminal Justice, Architecture, Engineering

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . 1.5 miles

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $9,399

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $23,922

STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 55%

FOCUS ON EDUCATION • 3
AWARDS AND RECOGNITION: Ranked by the Princeton Review among the top
366 schools in the country; Top 5 Co-op program by U.S. News & World Report;
One of the “Top 20 Research Universities” by the Lombardi Program on
University Performance Affiliated Colleges/Satellite Campuses: Clermont College
and Raymond Walters College
 ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . . 3800 Victory Pkwy., Cincinnati, Ohio 45207

XAVIER UNIVERSITY WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.xavier.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . 513-745-3301

GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . . 513-745-3360

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1831

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,665

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12:1

NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . 78

NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

SUBJECT MATTER EXPERTISE: UNDERGRADUATE: Education, Sciences, Humanities,

Business. Graduate: MBA, Education, Psychology, Health care, Theology

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . 5 miles, 7 minutes

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $26,250

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $26,250

Ranked as one of the top universities in the
United States, Xavier University contin-
ues to forge a bold future from the Jesuit
ideals of academic excellence and commit-
ment to service. Founded in 1831, Xavier is
the sixth oldest Catholic university in the
nation and one of 28 Jesuit colleges and
universities nationwide.
The Jesuit philosophy of education focuses
on developing the whole person, intellectu-
ally, morally and spiritually. And to fulfill
that mission, Xavier starts with 78 under-
graduate majors and 43 academic minors
constructed around a core curriculum that
provides all students with a strong founda-
tion in liberal arts and sciences, as well as a
solid grounding in ethics and values. Add to
that the personal attention that comes from
small classes and myriad educational expe-
riences outside of the classroom and you
have a potent recipe for student success.
STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 96%
AWARDS AND RECOGNITION:. . . . . . . Ranked as a top 10 master’s-level university
in the Midwest by U.S. News for the last 13 years; “Best 366 Colleges in America” by
The Princeton Review; One of the “50 Best Values” in private institutions in the coun-
try by Kiplinger’s Personal Finance; 16th best part-time MBA program in the nation by
U.S. News & World Report; “Best 290 Business Schools” in the nation by The
Princeton Review; Ranked No. 11 in the listing of the top 25 undergraduate entrepre-
neurship programs nationally by The Princeton Review; Included in The John
Templeton Honor Roll for Character-Building Colleges.
AFFILIATED COLLEGES/SATELLITE CAMPUSES: MBA classes at corporate offices in
West Chester, Deerfield Township and at GE in Evendale; MEd core courses at five off-
site locations and full MEd courses at two locations.

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Student Loans 101
It’s a complicated financial world out there, and it’s not getting easier
BY TRENT HAMM

In the United States, student loans fall into these

general categories:

Federal student loans to students: This group of loans

include Perkins loans, Stafford loans, Federal Family
Education Loans (FFELs) and Ford Direct loans.
These loans are guaranteed by the federal govern-
ment and are generally a very good deal.
There are subsidized and unsubsidized versions —
subsidized is better, as they’re basically interest-free
while the student is in school. The subsidized one
has some pretty strict income requirements. The
drawback is that they have a very low cap: $3,500 for
incoming freshmen.
In the past, rates on these loans have been very
nice, but they’re set to start approximating the rates
on private loans starting later this year.

Federal student loans to parents: PLUS loans are federal

government loans directly to parents for the purpose
of paying for college. The student won’t repay these
loans — the parent is solely on the hook for them.
Again, the rate used to be quite nice but the rates are
going up later this year.

Private loans: This is the meat and potatoes of it, the

type of loan that most people will wind up having to
take because other sources didn’t cover the cost of
education. These are basically consumer loans from
private lenders with no collateral, which often means
that the rates aren’t particularly comfortable.

• Look at fixed-rate loans unless you think the Fed is

Tips For Comparing Student Loans
It’s difficult to offer concrete advice on which loan
offers to take without looking at the options, but here are
six tips that can help you separate the good from the bad.
• Use the APR (Annual Percentage Rate) to compare the
loans, not the rate. The rate many loans give out isn’t real-
ly useful for comparison, because many loans with low
rates have a ton of additional fees tacked on. The real
tool for comparing the loans is the stated APR, which
includes the various fees that they tack on. Remember,
though, that APR isn’t perfect — it’s only an exact com-
parison tool for loans that have the same term.
• Shop around thoroughly, regardless of the stated rate.
Many companies use a low rate in order to attract your
attention and then effectively do a bait and switch, giving
you a loan with a high APR and a low rate because of all
going to significantly start dropping rates. I’m not the
right person to be giving long-term advice on where inter-
est rates are headed. My suggestion is to talk to people in
the finance industry, especially those you trust, and ask
them whether they think the prime lending rate will be on
average lower or higher over the next 10 years.
If they think higher or about the same, get a fixed-rate
loan; otherwise get a variable-rate loan. I was luckily able
to lock in some fixed rates in 2003 when loan rates were
very, very cheap. I actually do better with my money in an
HSBC Direct savings account than paying off my loans
early.
• High origination fees are usually a red flag. If an origina-
tion fee for one loan is excessively high compared to the
others, the rate could skyrocket and the origination fee
(tacked onto the overall balance) will really hurt you in
the long run. Small differences aren’t usually that big of a
deal, but if you’re looking at double or triple difference in

the other stuff tacked on in the middle there. Thus, don’t
toss out loan offers because they have a high rate — they
might have low fees in other respects.
• If you have difficulty with the APR and term math, ask
what the monthly payment will be and multiply it out by
the term. For example, if you’re trying to compare a 10-
year and a 20-year loan, find out what the monthly pay-
ment will be for each and then multiply that payment by
12 and then by the number of years you’ll have the loan to
see how much you’ll be paying total. Obviously, you want
the smaller amount here.
FOCUS ON EDUCATION • 5
origination fees something’s afoot.
• Check your credit report. If the borrower or the cosign-
er have poor credit, the terms for the loan likely will be
worse. One part of the process is to check the credit
report of everyone who might be signing for the loan and
then ensure that the people with the best credit do the
signing.
TRENT HAMM blogs daily on personal finance issues at www.TheSimpleDollar.com.

COLLEGE OF MOUNT ST. JOSEPH
The College of Mount St. Joseph believes
that your success in college comes from a solid
foundation of academic programs combined with
dedicated support services. In addition to leading
programs in education, nursing, art and business
administration, the Mount offers a variety of
career-minded degrees.
Consider one of the fastest growing majors: sport
management. If you have an interest in athletics,
health/wellness and business, sport management
is the perfect example of the liberal arts educa-
tion you’ll receive at the Mount.
The Academic Exploration Program, Project
EXCEL and personal advising are a few examples
of the support that is available to help you
achieve your academic goals. The Learning
Center assists you with writing and math as well
as provides peer tutors. Take your learning out-
side of the classroom with cooperative education,
service learning and cultural immersion trips.
The Mount is smaller with big success stories! In
6 • FOCUS ON EDUCATION
the past decade Mount psychology students have
won nine regional and national Psi Chi awards,
more than any other local college or university.
The newly renovated Art Building mirrors the lat-
est working environments for graphic and interior
design students. This facility has been praised for
blending real-world preparation with an apprecia-
tion of fine arts. Religious and pastoral studies
graduates are impacting lives as parish associ-
ates, religion teachers, music directors, and spiri-
tual ministers throughout Greater Cincinnati and
across the U.S.
You’re invited to visit and experience the Mount.
Go to www.msj.edu/visit to schedule your person-
al tour as well as register for the next Get
Acquainted Day or Discovery Day.
ADDRESS: . . . . . . . . . . . . . . . . . . . . . . 5701 Delhi Road, Cincinnati, OH 45233
WEB SITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.msj.edu
UNDERGRADUATE ENROLLMENT PHONE: . 513-244-4531 or 800-654-9314
GRADUATE ENROLLMENT PHONE: . 513-244-GRAD (4723) or 800-654-9314
YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1920
CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,300
STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11:1
NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . 37
NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . 4
NUMBER OF DOCTORAL DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . 1
SUBJECT MATTER EXPERTISE: Undergraduate: accounting, art, art education,
athletic training, biochemistry, biology, business administration, business admin-
istration/mathematics, chemistry, chemistry/mathematics, communication stud-
ies, computer information systems, criminology/sociology, education: inclusive
early childhood, middle childhood, and special education, English, fine arts, gen-
eral studies, graphic design, history, interdisciplinary liberal studies, interior
design, mathematics, mathematics/business administration, mathematics/chem-
istry, music, natural science, nursing, paralegal studies, psychology, religious
education, religious pastoral ministry, religious studies, social work, sociology,
sport management. Graduate: education, including a partnership with
Cincinnati Public Schools for the TEAM (Teacher Education Apprenticeship
Master’s) program, organizational leadership, nursing, and religious studies.
Doctoral: physical therapy.
DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . . 7 miles
IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . $21,200 ($10,600/semester)
OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . $21,200 ($10,600/semester)
STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 80%
AWARDS AND RECOGNITION: Ranked among top Midwest universities, U.S.
News & World Report; cited in Ruggs Recommendations for quality programs in
art, business, education, nursing; listed as a top college for career preparation in
Great Colleges for the Real World.
AFFILIATED COLLEGES/SATELLITE CAMPUSES: The Mount provides courses
to complete the Bachelor of Science in Nursing degree on-site at Cincinnati
Children’s Hospital Medical Center, St. Elizabeth Medical Center, Bethesda
North, and Good Samaritan Hospital.
Learning doesn’t just
happen in a classroom.
Push your boundaries and develop skills for the
real world. Bring life to your education through
the Mount’s facilities and programs.

• Photography Lab
• Cultural immersion trips around the U.S. and abroad
• Student Government Association
• Laboratories for all sciences
• More than 100 co-op employers in Greater Cincinnati
• Studio San Guiseppe Art Gallery
• Schueler Field and an all-weather track
• College Theatre
• All-Steinway School Music Department
• Variety of service learning opportunities

Get Acquainted Days

Saturday, October 25, 2008
Saturday, March 21, 2009

Discovery Days
Wednesday, August 13, 2008
Wednesday, December 3, 2008

Go to www.msj.edu/visit to schedule your campus visit.

5701 Delhi Road

FOCUS ON EDUCATION • 7
Cincinnati, OH 45233-1670
(513) 244-4531
(800) 654-9314
www.msj.edu
 MOREHEAD STATE
At Morehead State, outstanding academic programs and
affordable tuition go hand in hand. MSU is ranked among the
top public institutions in the South by U.S. News & World
Report and offers Kentucky’s best computer-student ratio in
its computer laboratories. MSU offers one of four space sci-
ence degrees in the nation, and our graduates are accepted
into professional programs at rates above state and national
averages.

The University boasts a student to professor ratio of 16-to-1,

so you’re more than just a number!

We have more than 9,000 students from 39 states and 27

nations, enrolled on campus, at regional campuses, and glob-
ally through Internet classes.

MSU is a charter member of the Ohio Valley Conference

(NCAA Division I) and sponsors 18 sports for men and
women. The Football Eagles compete in the Pioneer Football
League. Our cheerleading squads have won 24 national cham-
pionships.

Students from Ohio may be eligible for a non-resident tuition

scholarship based on ACT score and high school GPA. Visit
www.moreheadstate.edu/scholarships to see if you qualify!

For more information on MSU or to schedule a tour, call 800-

585-6781 or visit www.moreheadstate.edu.

ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . . . . 150 Enrollment Services Center, Morehead, Ky 40351

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.moreheadstate.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-800-585-6781

GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-800-585-6781

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1887

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,000

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16-1

NUMBER OF UNDERGRADUATE DEGREES OFFERED/MASTER’S DEGREES OFFERED: . Nearly

80 degree programs are available on the two-year, four-year and graduate levels.

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . Roughly 150 miles (2 hours)

8 • FOCUS ON EDUCATION

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . Call to find out about our program for Ohio students!

AWARDS AND RECOGNITION: . . . . One of the top public universities in the South. (U.S. News &
World Report, 2005, 2006, 2007, 2008)

AFFILIATED COLLEGES/SATELLITE CAMPUSES: . . . . . Classes offered: On residential campus in

Morehead; at regional campuses in Ashland, Jackson, Mount Sterling, Prestonsburg and West
Liberty; and across the globe through the World Wide Web

FAMOUS ALUMNI:. . . . . . . . . . . . . . . Phil Simms, Steve Hamilton, Brian Shimer, Regena Thomas,
Chuck Woolery, Box Miller, John Merchant
FOCUS ON EDUCATION • 9
10 • FOCUS ON EDUCATION
THOMAS MORE COLLEGE
For Your Whole Life
You’re part scholar, athlete, leader, artist, volunteer, mentor and
friend. Why would you want a college that focuses on only one
aspect of your complex and exhilarating life?

Thomas More College, located in Crestview Hills, Kentucky—

only 10 minutes from downtown Cincinnati—offers everything you
need to live a whole life. As a Catholic liberal arts college, Thomas
More emphasizes your spiritual, personal and professional growth,
and our small class sizes ensure that you receive the personalized
attention necessary for true intellectual inquiry. In addition, our 14:1
student-to-faculty ratio creates exceptional opportunities for you to
build your leadership skills and take part in internships, co-op job
opportunities and other field experiences.

Thomas More College is consistently ranked in U.S. News & World

Report’s America’s Best Colleges Edition and has also been included
in Money’s Guide to Best College Buys. With 35 programs of study,
and distinctive educational resources including the Biology Field
Station and The Bank of Kentucky Observatory, you’ll be able to pur-
sue your passions and interests and gain meaningful experience
across a wide range of academic majors.

While classes and studying are a significant component of college

life, they’re only part of the ways in which Thomas More prepares
you for your whole life. More than 30 social and academic organiza-
tions on campus sponsor activities to fit any interest. In addition, as
a member of the Presidents’ Athletic Conference, Thomas More
boasts 14 intercollegiate athletic teams. As a result of your wide-
ranging experiences at Thomas More College, you’ll be equipped
with the critical thinking skills and real-world experience that will
serve you for your whole life.
ADDRESS: . . . . . . . . . . 333 Thomas More Parkway, Crestview Hills, KY 41017

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.thomasmore.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . 859-344-3332

GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . 859-344-3333

YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1921

CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1,600

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14:1

NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . 32

NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . 3

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . 10 Minutes

FOCUS ON EDUCATION • 11
IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21,500

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21,500

STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . More than 90%

AWARDS AND RECOGNITION: Top academic awards include Brown Honors,

and Presidential Scholarships. Additional awards include Leadership, Diversity,
and various geographically based grants and scholarships.
 ADDRESS: . . . . . . . . . . . . . . . . . . . . . NKU, Nunn Drive, Highland Heights, KY 41099
NORTHERN KENTUCKY UNIVERISTY WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.nku.edu

UNDERGRADUATE ENROLLMENT PHONE: . . 859-572-5220 Toll Free: 1 (800) 637-

Located just five minutes from 9948
downtown Cincinnati, Northern GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . 859-572-1555
Kentucky University provides
the quality of a private education YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1968
for a fraction of the cost. Small, CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15,000
intimate classes and a commitment
to student-faculty interaction and STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18:1
up-close and personal attention NUMBER OF UNDERGRADUATE DEGREES OFFERED: . 60 bachelors, 7 associates,
have made NKU the college of 8 certificates
choice for more than 15,000 under-
NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
graduate, graduate and law stu-
dents looking for a safe and com- DOCTORAL DEGREES: Juris Doctor and Doctor of Education in Educational Leadership
fortable campus environment and a
SUBJECT MATTER EXPERTISE: . . . Informatics, Math/Science, Law, Education, Nursing
rewarding classroom experience.
DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . . . . . 5 minutes
NKU’s dedication to undergraduate research has been nationally recog-
IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . $3,264/semester, includes all fees
nized, as has its focus on civic engagement. NKU students work along- Metro Rate: $5,496/semester (includes all fees)
side nationally renowned faculty to help solve problems that face their
communities. OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . $5,976/semester, includes all fees

STUDENTS ON FINANCIAL AID: . . . . . . . 33% grants, 49% loans, 15% scholarships

This fall NKU will open its Bank of Kentucky Center, which will host
NKU basketball as well as regional and state high school tournaments
and national entertainment events. A new Student Union will also open
this fall, which will be the high-tech social hub of campus.
For these reasons and countless others, Northern Kentucky University
remains Quality-Made and Community-Driven.
12 • FOCUS ON EDUCATION
AWARDS AND RECOGNITION: . . . Named one of Greater Cincinnati’s “Best Places to
Work” by the Cincinnati Business Courier; 5/3 Entrepreneurship Institute named one of
America’s Top 25 by the Princeton Review; MBA program named one of the nation’s best
by the Princeton Review also; national model for civic engagement in higher education.
AFFILIATED COLLEGES/SATELLITE CAMPUSES:. . . Covington Campus, Grant County
Center, on-site at local corporations.
Big Green on Campus
Schools go green for economy, altruism and recruitment
BY STEPHEN CARTER-NOVOTNI
E
nvironmental stewardship has long
been a component of the college
experience in terms of studying the
natural sciences. But it’s only recently that
universities have begun to take green ini-
tiatives from theory to practice.
Training programs for green collar jobs,
on-campus recycling and energy manage-
ment and even using sustainability as a
recruiting tool are all part of the 21st cen-
tury college experience. The search for
truth continues, albeit a more inconven-
ient one.
Consider that the Princeton Review’s
recently published 2009 edition of the Best
368 Colleges now includes green ratings in
addition to the dozens of other metrics
that help students decide which institution
fits their goals.
Director of College Ratings David Soto
explains that, according to a survey of the
Review’s readers, 63 percent of college-
bound students were interested in know-
“Consulting companies are always
being asked to evaluate develop-
ments. If it was used as a target
range, there might be lead left over.
If it was a farm, there might be pes-
ticides or herbicdes buried there.”
— Miami Professor Mark Boardman
ing how colleges stacked up in terms of
green initiatives, and 25 percent said a col-
lege’s green rating would affect their
choice of schools.
On the Review’s scale of 61-99, local
institutions came out around the average:
The University of Cincinnati earned an 87,
Xavier rated a 73 and Northern Kentucky
University scored a 74. Miami University
was not rated.
The ratings measure campus energy
conservation, ease of access to public
transit and use of organic and locally
grown food.
Soto says the idea is to evaluate if “a
campus environment is healthy and sus-
tainable. The second factor is, are these
colleges preparing the kids for the emerg-
ing green economy? Is the university tak-
ing the larger steps to do their parts in this
effort?”
Top schools — Arizona State University,
Bates College, Binghamton University and
the College of the Atlantic, for example —
1. Teddy Thompson- A Piece of What You Need
TOP
2. My Morning Jacket- Evil Urges
were earning LEED certifications for new
buildings and taking an inventory of green-
3. The Hiders- Penny Harvest Field
20
house gas emissions. Almost all of the 534 4. Phil Roy- The Great Longing
schools rated were meeting what Soto
describes as a baseline: Requiring recy-
5. Sonny Landreth- From The Reach
cling, using organic food and providing 6. Los Lonely Boys- Forgiven
students with free public transit.
“Those are the things that we think
7. John Mellencamp- Life Death Love & Freedom
schools can and should do at a minimum, 8. James Hunter- The Hard Way
Soto says.
Miami Professor Mark Boardman says
9. Counting Crows- Saturday Nights
that incorporating environmentalism into 10. R.E.M.- Accelerate
college life makes practical sense, saving
the school money and working toward a
11. John Hiatt- Same Old Man
culture of sustainability. 12. Dar Williams- Promised Land
MU’s main campus has an on-site recy-
cling program that’s likely well supplied by
13. Steve Winwood- Nine Lives
local frat houses, an efficient coal power 14. Jakob Dylan- Seeing Things
plant fitted with air pollution controls and
conserves energy by using high-efficiency
15. Buddy Guy- Skin Deep
fluorescent lighting and programmable 16. James McMurtry- Just Us Kids
thermostats. Some of the practices are as
simple as turning off the lights when no
17. Various Artists with Peter Gabriel- Big Blue Ball
one’s home. 18. Emmylou Harris- All I Intended To Be
“Almost all of these were 19. Elvis Costello- Momofuku
done for financial reasons,” says
Boardman, director of the MU 20. Eliza Gilkyson- Beautiful World
Institute for Environmental
Sciences. “A lot of these things
are just cheaper. In the long run MORE MUSIC MORE LOCAL WWW.WNKU.ORG
I think that’s what the university
has been driven by. It’s also the
right thing to do.”
Of the Miami students who
earn their Master’s of
Environmental Science degree,
Boardman says, about a third
end up working for state and
local governments, a third work
for nonprofits like zoos and the
rest work in private enterprise,
which is the growth sector
among green collar jobs.
“Consulting companies are
always being asked to evaluate
developments,” Boardman says.
“If it was used as a target range, there
might be lead left over. If it was a farm,
there might be pesticides or herbicdes
buried there. … It wasn’t illegal in the
past, and now we want to know where all
this is. Pretty much any company needs an
environmental officer.”
The greening of campus life and degree
programs are seen throughout local col-
leges: Cincinnati State offers engineering
education for maintaining solar cells; UC
researchers have recently published find-
FOCUS ON EDUCATION • 13
ings indicating a correlation between
lead exposure in childhood and criminal
tendencies; Xavier is developing LEED
certified buildings on campus; and the
College of Mount St. Joseph has two
project homes on campus powered by
solar energy.
It’s an emerging trend that will be part
of every aspect of college life in time.
“I think Miami has done quite a bit,”
Boardman says. “We could do a whole lot
more.” ©
 BECKFIELD COLLEGE
Here are just a few of the reasons students from
Kentucky, Ohio, and Indiana are choosing Beckfield
College:

Degree Programs:
• Business Administration
• Computer Network Administration (Associates)
• Criminal Justice
• Health Information Technology
• Hospitality Management (Bachelors)
• Licensed Nursing Practitioner (Diploma)
• Medical Assisting
• Nursing, RN
• Paralegal Studies

• Life can be complex and going to college doesn’t

have to be another obstacle. A full-time schedule is
simply three classes per week. Students enjoy a
schedule that allows for work and family time, while
still earning a college degree.

• Individual attention during every phase of your education, including

Enrollment, Financial Aid, Instruction and Placement.
• A private college situated on a campus of over 6 acres and two buildings
comprising of 60,000 square feet.
• Morning, evening and Saturday classes.
ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . . . 16 Spiral Drive, Florence, KY 41042
WEBSITE:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.beckfield.edu
UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . (859) 371-9393
YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1984
CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 600+

• Excellent job placement services including assistance with resume writing STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15:1
and job interviewing skills. NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . . 9

SUBJECT MATTER EXPERTISE: . . . . . Business Administration (Associate and

• Conveniently located off I-75 in Florence, Kentucky, exit #182. Bachelor’s), Computer Network Administration (Associates), Hospitality
Management (Bachelors), Licensed Nursing Practitioner (Diploma), Paralegal
• No additional parking fees! Studies (Associate, Bachelor’s, and Certificate), Nursing, RN.

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . 15 minutes

• Financial aid available to those who qualify.
IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . $266- $278 per credit hour
• Instructors are experienced with practical, real-world professional and OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . Same as In-State
educational experience.
STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 83%
• Earn your Bachelor’s Degree in four years or less!
14 • FOCUS ON EDUCATION
FOCUS ON EDUCATION • 15
 CINCINNATI STATE ADDRESS: . . . . . . . . . . . . . . . . . . 3520 Central Pkwy. Cincinnati, OH 45223

WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.cincinnatistate.edu

UNDERGRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . 513-861-7700

Cincinnati State is YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1969 chartered
the region’s best higher
education value, offer- CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8500
ing associate degrees STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17:1
in business, health and
public safety, engineer- NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . 75
ing technologies, infor- SUBJECT MATTER EXPERTISE: . . . . . . . . Renewable Energy, Information &
mation technologies, Engineering Technologies, Culinary Arts, Nursing & Health Fields, Interpreter
humanities, sciences Training, Multimedia, Fire Service, Early Childhood Education
and university transfer DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . 3 miles
programs. The college
helps students identify, IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . $80.20 per credit hour
create and sustain life- OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . $160.40 per credit hour
long career advantages
through relevant learn- STUDENTS ON FINANCIAL AID: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70%
ing in small classes AWARDS AND RECOGNITION: Largest co-op program in country among 2-
and real-world, coop- year colleges; TAC/ABET accreditations for engineering technology programs,
erative education Culinary program accredited by American Culinary Federation; First
Renewable Energy program in Ohio
experiences. Within six months of graduation,
almost 100 percent of Cincinnati State gradu- AFFILIATED COLLEGES/SATELLITE CAMPUSES: . Cincinnati State West in
ates are employed or continuing their education Harrison (at Cincinnati West Airport) and the Workforce Development Center
in Evendale
at four-year universities. Its Workforce
Development Center is specifically designed to
provide proven corporate training programs.
College Information Sessions are scheduled
every Tuesday at 9 a.m. and 6:30 p.m.

SUCCESS IS A
STATE OF MIND.
Cincinnati State offers you the nation’s largest co-op program among two-year
colleges, affordable tuition and over 90% job placement success. Are you thinking
what we’re thinking? Call 513-861-7700 or visit GoAheadGetThere.com today.
16 • FOCUS ON EDUCATION
NKU PACE
PROGRAM FOR ADULT-CENTERED
EDUCATION (PACE) AT NKU offers
adult students an opportunity to complete
an associate degree in Integrative Studies,
or a bachelor degree in Computer
Information Technology, Integrative
Studies, or Organizational Leadership.
More than 200 students have joined the
program since it began in fall 2005.
“The PACE curriculum has been carefully
crafted to provide a highly structured yet
flexible schedule for working adult stu-
dents,” said Vicki Culbreth, executive
director of Educational Outreach. “This
spring, our first students completed their
associate degrees and moved into our
bachelor programs. It has been very grati-
fying watching them achieve their academ-
ic goals. We believe the addition of
Computer Information Technology as a
major will allow us to meet the needs of
even more adult students throughout
Greater Cincinnati.”
Attend Our Information Meeting
Tuesday, August 26 @ 6pm
• Ohio Residents pay in-state PACE rates • Enter program at any one of six enrollment periods • Classes meet Mon & Thu 6-9:30pm
• Associate of Intergrative Studies degree offered along with Bachelor degree programs in Computer Information Technology, Intergrative Studies and Organizational Leadership
Call 859-572-1500 or email pace@nku.edu for Program Information or Reservations to Meeting
PACE tuition is assessed at the in-state
rate, making PACE highly affordable to all
students. PACE classes meet for consecu-
tive eight-week sessions throughout the
year on Monday and Thursday nights from
6-9:30 p.m. with 90 minutes of web-
enhanced instruction weekly. Some cours-
es are delivered entirely online. Students
may enter the program at any one of six
enrollment periods and may take two
courses each session or, if necessary, can
alter their schedule. All courses required
for graduation at the associate and bache-
lor levels are included in the curriculum.
PACE meets at NKU’s Covington campus
(1401 Dixie Highway) with convenient
parking and easy classroom access. For
more information, attend the next PACE
information session on Tuesday, August 26
at 6 p.m. at the Covington campus. For
reservations, contact (859) 572-1500 or
PACE @NKU.edu.
ADDRESS: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nunn Drive,
Highland Heights, KY 41099
WEBSITE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.nku.edu
UNDERGRADUATE ENROLLMENT PHONE:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (859) 572-6665
GRADUATE ENROLLMENT PHONE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (859) 572-1555
YEAR FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1968
CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15,000
STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16-1
NUMBER OF UNDERGRADUATE DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 70
NUMBER OF MASTER’S DEGREES OFFERED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
SUBJECT MATTER EXPERTISE:. Education, law, entrepreneurship, teacher preparation in mathe-
matics and science through CINSAM, nursing
DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 miles
PACE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $292 per credit hour (undergraduate)
OUT-OF-STATE TUITION:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . $404 per credit hour (undergraduate)
STUDENTS ON FINANCIAL AID:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Grants: 32%;
Loans: 47%; Scholarships: 13%
AWARDS AND RECOGNITION: One of the area’s best places to work (Cincinnati Business
Courier), Headquarters for Kentucky; P-12 math education center, national model for civic engage-
ment in higher education
AFFILIATED COLLEGES/SATELLITE CAMPUSES: NKU Covington Campus at 1401 Dixie Highway,
Covington and NKU Grant County Center at 390 N. Main Street, Williamstown.
Attend our information meeting Tuesday, August 14 at 6 p.m.
• Ohio Residents pay in-state PACE rates • Enter program at any one of six enrollment periods •
Classes meet Mondays and Thursdays 6-9:30pm • Associate of Liberal Studies degree offered along
with Bachelor degree programs in Computer Information Technology, Organizational Leadership,
and Liberal Studies • Call (859) 572-1500 or email pace@nku.edu for Program Information or
reservations to meeting.
FOCUS ON EDUCATION • 17
 Little Income, Big Debts
Managing your money in your college years
BY TRENT HAMM

H
ere’s what you shouldn’t do: When I was in col-
lege, I used my student loans to finance my
lifestyle.
I worked at a decent paying job — $9 an hour at a job
related to my major was great — but that wasn’t enough.
I needed more. So I took out student loans even though
scholarships covered most of my tuition and housing
expenses for college.
Even worse, I didn’t really understand the value of
the college education I was getting. I basically completed
a major, decided it wasn’t for me, completed a complete-
ly different major and took enough classes for some
minors along the way.
I finally graduated after six years and had accumulat-
ed about $35,000 in student loan debt. Including interest,
I’ve paid about $32,000 in loan payments so far and I’ve
still got about $16,000 left to go.
What did I learn from this disaster that college stu-
dents can use today?
There are a lot of students out there entering college
and taking out student loans to pay for it. The money
they’re spending, in the form of loans, far exceeds the
money they’re taking in.
I know all about it. I was doing this very thing just a
handful of years ago. I made some incredibly stupid mis-
takes along the way, and it takes a lot of hindsight to see
the things I could have and should have done.
If I had it to do all over again — if I were a college
student today with a big pile of student loans building up
and not much income — here’s what I’d do:

Take the studies seriously. The cost of college is tremen-

dous. During your years there, not only are you investing
the cost of tuition but you’re also investing the loss of
income that you might have made doing something else,
like becoming an electrician’s apprentice or starting your
own business.
If you’re paying $10,000 for your tuition and other
expenses and you’re giving up $20,000 in income, that’s
$30,000 that each year in college is costing you, more
than $500 a week.
What’s the best way to undermine that strong invest-
ment? Flunk out. Failing a class causes you to stay in
school longer.
Even a poor GPA undermines that investment. You
reduce the value of the degree by reducing your opportu-
nities right after college if you’re showing off grades.
Hit the books. If it’s a choice between a side job and the
books, choose the books every time. If you need to bor-
row more money because of it, borrow that money. Don’t
undermine the value of your big investment just to save
a little bit of money.
Take advantage of the other opportunities, too. College isn’t
just about studying and partying. There are tons of
opportunities on a college campus to start building your
career and resume that will improve your opportunities
18 • FOCUS ON EDUCATION
Take on responsibilities with those groups and work
toward leadership positions later on. You’ll build valu-
able relationships with people, learn new things about
your areas of interest and about yourself and build up
your future resume, too.
You’re a college student. Live as poor as you can. Don’t spend
your time dressing exceptionally well. There will be plen-
ty of time for that later on.
Instead, do most of your clothes shopping at
Goodwill and at thrift stores. Don’t think you’re above it.
Look at your checkbook and realize you’re a person with
a negative income, the exact person who should be uti-
lizing such resources. It’s fine to have a few clothes for
special situations, but don’t spend money on a great
wardrobe.
The typical college campus is teeming with free enter-
tainment. Check the campus newspaper for ideas instead
of spending money to have fun. Take advantage of the
cheap food opportunities, too. For a while, I had a one-
meal-a-day meal plan in dining services and I’d eat one
big meal, then just snack the rest of the day on whatever
from credit card use in college (mostly building credit)
without the dangerous drawbacks of building high-inter-
est debt that you’ll have trouble paying off.
Seek a job (or other experiences) related to your major, even for
lower pay. If you’re going to get a job in college, look for a
part-time job that’s related to your major even if it means
sacrificing pay. A job that really matches well with your
studies is golden on your resume when you graduate. If
you already have some years of experience working with
this material, then you look a lot better than most people
coming out of school.
If you don’t know where to begin, the first place to
stop is at your departmental office. Ask around for job
opportunities within the major — research work, paper-
work, whatever’s available. If you can’t find anything
there, look for industries near the college that might
relate to what you’re doing and look there.
Make the effort to make a personal appearance, as it
shows that you’re serious about this. Anyone can pick up
the phone and dial.

and salary when you leave school (further improving the
value of your student loan investment).
That’s not to say that the experience should preclude
fun, rather that you should put effort into joining groups
— and spending social time with those groups — that
either build leadership skills or coincide well with the
topics you’re studying.
You’re also better off getting strongly involved in a
small number of activities than getting weakly involved
in a lot of activities. Try out a lot of things at first, find
the ones that click for you, then get strongly involved
with those.
was available.
In a nutshell, realize that each time you spend money
in college you’re costing your future, especially when
you’re surrounded by opportunities for the most inex-
pensive living you’ll have in your adult life.
Use a credit card only to buy books. Pay the bill immediately.
Don’t listen to people who insist that you have a credit
card. Research a good one, then use it only once a
semester to buy your textbooks. Put that credit card
somewhere safe, then pay off the entire bill as soon as it
comes in. Never use the card for anything else.
This simple plan gives you the benefits you can get
Minimize your debt. If none of the above apply to a deci-
sion, make the choice that results in the lowest debt
when you graduate. You’re in college to build your
future. Don’t sacrifice that future by piling on debt with-
out improving your post-graduation opportunities.
The idea is to maximize the value of what you’re pay-
ing for and minimize the level of debt. You’re surrounded
by valuable opportunities in college. Only by grabbing
them by the horns can you really maximize the value of
your college education.
TRENT HAMM blogs daily on personal finance issues at www.TheSimpleDollar.com.
MIAMI UNIVERSITY HAMILTON

Miami University’s regional campuses in Hamilton

and Middletown will launch a third baccalaureate
degree offering this fall. The new Bachelor of
Integrative Studies (BIS) program was approved last
month by Ohio Board of
Regents Chancellor Eric
Fingerhut.

The BIS will provide

another opportunity for
students to finish their
degrees in their own
community, joining
Nursing and Engineering
Technology as four-year
programs on the regional
campuses.

The BIS builds on an

associate degree or on
the first two years of
most college programs.
It offers seven primary
concentrations—of five
courses each—in applied and liberal studies.
Concentrations include: Applied Sociology,
Contemporary American Experience, Environmental
Studies, Families Gender & Society, Information
Technology, Organizational Leadership, and
Understanding Media & Visual Culture.

By offering an array of alternatives in both applied and

liberal studies, students can find programs that fit their
interests and prior education, and that prepare them to
meet demands of the 21st century workforce. For the
student, it’s about making connections that create
fusion and synergy through integrative learning. ADDRESS: . . . . . . . . . . . . . . . . 1601 University Blvd. Hamilton, OH 45011

Miami’s regional campuses continue to offer evening UNDERGRADUATE: . . . . . . . . . . . 513-785-3111, www.ham.muohio.edu

and weekend courses to meet the schedule needs of GRADUATE: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 513-529-1809,
non-traditional students who have jobs and families. www.miamia.muohio/academics/graduateprograms (Oxford)

FOUNDED: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1968
For more information, visit www.regionals.muohio.edu.
CURRENT ENROLLMENT: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3,500

STUDENT FACULTY RATIO: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18:1

UNDERGRADUATE DEGREES: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

FOCUS ON EDUCATION • 19
EXPERTISE: . . . . . . . . . . . . . . . . . . . Nursing and Engineering Technology

DISTANCE FROM DOWNTOWN CINCINNATI: . . . . . . . . . . . 30 Minutes

IN-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . . . . . $3,294 per semester

OUT-OF-STATE TUITION: . . . . . . . . . . . . . . . . . . . . . $9,359 per semester

STUDENTS OF FINANCIAL AID: . . . . . . . . . . . . . . More than 50 percent

AFFILIATED COLLEGES/SATELLITE CAMPUSES: . . . . . Miami University

Oxford (main campus), Miami University Middletown, Dolibois European
Center (Miami’s Luxembourg campus)
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