The Study Abroad Office is a unit within the Division of Academic Affairs at Towson University. Study Abroad at TU is a monitored activity, involving mandatory meetings and procedures managed through the Study Abroad Office. Students who study abroad are assessed a fee.
Eligibility for Study Abroad
Students must be in good academic standing at the time of application and immediately prior to the study abroad term.
Students on academic warning, suspension, or probation at the time of application or immediately prior to the study abroad term are not eligible to study abroad.
Students on disciplinary probation and/or who have a significant history of disciplinary problems may not be eligible to participate in study abroad.
TU students must be enrolled in a degree seeking program at Towson University (full or part-time).
TU students must have completed a minimum of 30 credit hours (including transfer credits) prior to departure in order to participate in a fall, spring, or year-long study abroad program or exchange unless otherwise stated.
Incoming transfer students must complete at least one semester (fall or spring, full or part-time) at Towson University prior to studying abroad.
Students must meet specific requirements and deadlines to be eligible to study abroad.
Students who wish to study abroad on a TU program or exchange (non-faculty-led) who do not meet the stated criteria for that program or exchange must submit a petition to the Study Abroad Office asking permission to do so. The petition will be reviewed by the Petitions Subcommittee of the Faculty Committee on Study Abroad (FCOSA) for final approval. Please contact the Towson Abroad Office for instructions.
You are bound to the TU Student Code of Conduct while you are overseas. If we are informed of any breaches to the code of conduct, there may be ramifications when you return to campus.
|Study Abroad Group||Billing Description|
|TU Faculty Led||Billed by TU for cost of the program and the TU Study Abroad Fee. Tuition remission cannot be applied.|
|TU Exchange||Billed by TU for tuition and fees and the TU Study Abroad Fee and health insurance. Housing is paid directly to the overseas institution. Students will either purchase their own food to cook in shared kitchens or be billed by the overseas institution for a meal plan. Tuition remission can be applied.|
|TU Program||Billed by TU for the cost of the program and the TU Study Abroad Fee. Bill may also include housing and meals — refer to program website. If the program does not include meals, students are responsible for their own meals or purchasing their own food to cook in shared kitchens. If the program fee does not include housing, you will be billed by the overseas institution for housing. Tuition remission cannot be applied.|
|TU Global Internship Program||Billed by TU for Global Internships Fee ($250) and the TU Study Abroad Fee. Billed by Global Experiences for program fee. Please coordinate with the program regarding payment due dates. Tuition remission cannot be applied.|
|Approved Non-TU Program||Billed by the organization or university sponsoring the program. Please coordinate with the program regarding payment due dates. Tuition remission cannot be applied.|
Study Abroad Fee
All students will be charged a study abroad fee*. The fee will show up on the student's account for the term in which they are abroad once they have been enrolled in the study abroad placeholder. The study abroad fee is:
- FALL/SPRING SEMESTER - $300
- SUMMER/MINIMESTER/SPRING BREAK- $150
*Fees are subject to change
Tuition Payment Plan (Tiger Installment Plan)
If you normally use the Tiger Installment Plan (TIP) and to pay for tuition, you may be able to continue to use it for study abroad. If your bill is coming from Towson, simply contact the Bursar's Office to arrange for a new amount for the plan. If you will be receiving a bill from a study abroad program, contact the program and the Bursar's Office at 410-704-2100 to make arrangements. Some study abroad programs may not accept tuition payment plans.
Most federally and TU funded aid programs and most scholarships can be used to pay for study abroad, whether you are participating in a TU program/exchange or an approved non-TU program. However, many aid programs can only be used for the fall or spring semesters.
IMPORTANT: Tuition remission can only be applied to TU Exchanges.
Aid from the Maryland Higher Education Commission (MHEC) can only be used if you enroll in a study abroad program or exchange for which you will be billed directly by TU or other school within Maryland. Program fees billed by providers, overseas institutions, or out-of-state institutions are not eligible for MHEC aid. MHEC’s most common aid programs include Delegate, Senatorial and 2+2 Transfer Scholarships, and Educational Assistance, Guaranteed Access and Workforce Shortage Student Assistance Grants. For more information, see www.towson.edu/admissions/financialaid/apply/abroad.html. ‘TU in’ programs, TU exchanges, and TU faculty-led programs are eligible for MHEC aid except for summer options.
When you have selected your study abroad program, ask your Study Abroad Adviser for a
Study Abroad Budget outlining estimated and known costs. Costs can include program
tuition, housing, food, the TU study abroad fee, passport and visa fees, application
fee, flight, books, local transportation, insurance, etc. Submit the budget to the
TU Financial Aid Office in order for your aid package to be reviewed. Your award may
be increased (in the form of loans) which you may choose to accept or decline in whole
or in part. It is also a good idea to schedule an appointment with a TU Financial Aid Adviser to discuss your borrowing options for your study abroad term.
Note: Pre-existing grants and scholarships cannot be increased based on study abroad costs and you must ensure you meet the minimum course load requirements (total units per term) for each of your financial aid awards.
Aid awards and/or scholarships will be credited to your TU bill with the remainder (if any) issued to you in the form of a rebate by the TU Bursar’s Office.
If you are participating in a non-TU program, you can contact your study abroad provider (e.g. AIFS, ISA, CEA, TEAN) to make arrangements for deferred payment if possible. You may be asked to fill out a Payment Deferral Form. You are responsible for paying the difference, if any, by the program’s payment due date. Your financial aid monies will not directly transfer from TU to the Study Abroad program. You will be issued a rebate from the TU Bursar’s Office and must pay the provider using these funds.
Most TU and private scholarships can be used for study abroad but you should double check with the TU Scholarship Office or the scholarship administrator to make sure it can be applied to their program. Students can also apply for study abroad scholarships.
Application deadlines for the TU Study Abroad Scholarships are as follows: March 15 for Summer, Fall and Academic Year and October 15 for Minimester and Spring.
Rebates become available two weeks prior to the start of Towson University’s semester. If you are enrolled in DOC (Disbursement Online Center) your rebate will be transmitted electronically to the bank account of your choice. If you do not enroll, a rebate check will be mailed to your permanent address on file with the university. Since your rebate check will be made out to you, you should designate someone (i.e. parent, relative) as your Power of Attorney (POA). The POA will be responsible for depositing your rebate check(s) and paying any remaining fees due to the study abroad provider. Note: At this time only students can sign up for DOC, therefore all rebates from Parent Plus loans will be mailed to the borrowing parent directly to the permanent address on file.
Power of Attorney
The purpose of appointing a POA is to designate a person to perform certain acts on your behalf while you are away. These include:
- To receive checks made payable to you for educational expenses
- To endorse and to deposit those checks
- To draw and sign those checks to pay for your educational expenses
- To sign other documents related to financial aid and your educational expenses
To designate a POA, complete and have notarized a Limited Power of Attorney Form. You should ask if your bank has its own POA form that they want you to use for transactions with them.
Please assure that the person you designate is a parent or other such individual whom you trust to act responsibly and honestly on your behalf. The signed and notarized form should be left with the person whom you have designated – NOT the Study Abroad Office. Note: Notary publics are listed in the Yellow Pages and are found at most banks, credit unions, post offices etc.
Registration and Enrollment
- Students will be registered for study abroad at TU by the Study Abroad Office.
- In most cases, students will be registered using a placeholder code. The number of credits associated with this code may not correspond to the actual number of credits that students are taking while they are abroad.
- Upon completion of the study abroad program and receipt of an official transcript, the actual number of credits earned while abroad will be posted to the TU record.
- Students must maintain full-time status while studying abroad for a semester or academic year (equivalent of at least 12 U.S. credits each spring or fall semester).
- If a student does not maintain full-time status and receives financial aid to support their term abroad, they may be required to repay some or all of their aid award.
- Students who will be graduating within one year of their study abroad experience, must email an official verification of enrollment abroad (course titles and equivalent U.S. credit hours) to graduation AT_TOWSON in the TU Registrar’s Office once their schedule is finalized.
- Students may study abroad during the final 30 credits of their undergraduate degree. However, each academic department requires a minimum number of major credits to be completed in residence at TU; exceptions may be made at the discretion of the department chair.
- Students will be subject to the academic rules of their host institution or program overseas. Students must stick to their withdrawal, add, and drop deadlines – TU deadlines do not apply in these cases.
Courses, Credits, and Grades
- Credits earned on TU programs, TU exchanges, and approved programs will transfer back to your Towson transcript and count towards your degree.
- IMPORTANT: Students may NOT take MNGT 481, any upper level Accounting courses (except ACCT 341), or any Finance courses (except FIN 331, FIN 350, and FIN 436) abroad.
- Before departure students must complete a Study Abroad Course Form. Any courses they plan to take abroad that do not appear in the TU Standard Course Equation Database must be equated by the appropriate TU departments. Exceptions: students participating on a TU faculty-led program, TU Global Internships Program, independent study abroad, or independent internship abroad.
- Letter grades for all courses taken abroad through Towson University Study Abroad administered programs (including exchanges) and approved programs will be posted to the TU record using the Transfer Grading Basis but will not be calculated into the Towson GPA. (Exceptions: Grades will be calculated into the TU GPA for TU faculty-led programs, the TU Global Internships Program, independent study abroad, and independent internships abroad).
- Grading systems vary greatly from country to country. For transcripts received directly from foreign institutions, the TU Study Abroad Office utilizes grading scales published by World Education Services (WES).
- Credit systems vary throughout the world and it is very important that you understand how the credit system at your host institution relates to the credit system at Towson University. Students should discuss this with their Study Abroad Advisor prior to departure. It is the your responsibility to ensure you are enrolled full-time (minimum 12 units per semester for spring or fall).
- For courses abroad that are equivalent to less than a three credit course at TU, students should contact the appropriate academic department with questions concerning fulfilling major requirements.
- It is the your responsibility to ensure your overseas transcript is sent to the TU Study Abroad Office. An Incomplete grade will be posted to your TU record after the study abroad term. Upon receipt of the study abroad transcript, the Incomplete grade will be removed and the actual grades earned will be posted. If a transcript is not received the Incomplete grade will automatically change to an "F" after 180 days.
- Students who must repeat a language course abroad as result of a language placement test that was previously taken at TU will receive unspecific lower level elective credit for that course.
- The maximum units policy for courses taught on campus in the Minimester (4 credits) and summer (total of 13 units, 7 units per session) does not apply to study abroad.
examples of Credit conversion Scales
European Credit Transfer System (ECTS)
Many universities throughout Europe use the European Credit Transfer System (ECTS). 2 ECTS credits are equivalent to 1 TU credit. Students studying abroad at universities that utilize the ECTS should take 30 ECTS credits per semester.
United Kingdom (except Scotland)
At most British universities, students take 60 UK credits per semester. 4 UK credits are equivalent to 1 TU credit. Students studying in the UK should take 60 UK credits per semester.
At most Scottish universities, students take 60 SCOTCAT credits per semester. 4 SCOTCAT credits are equivalent to 1 TU credit. Students studying in Scotland should take 60 SCOTCAT credits per semester.
Australia and New Zealand
Credit transfer scales for Australia and New Zealand vary from university to university. Students are normally required to enroll in 3-4 courses per semester. Please check with your Study Abroad Advisor or program provider for more information.
- Students who wish to study abroad on a program not sponsored by, affiliated with, or pre-approved by Towson University must submit a petition to the Study Abroad Office to seek approval. The petition will be reviewed by the Petitions Subcommittee of the Faculty Committee on Study Abroad (FCOSA) for approval. Please contact the TU Study Abroad Office for more information. NOTE: Retroactive petitions will not be considered.
Withdrawal and Refunds
- Requests to withdraw from a study abroad program or exchange are to be made in writing (email notification is acceptable) to the TU Study Abroad Office as soon as the decision is made.
- The withdrawal notification date may affect the student's enrollment status at TU.
- Any request to withdraw must come directly from the student and include the student's name, student ID#, program sponsor name, program title, program location, and date.
- For non-TU programs, students must also notify the program provider or sponsor of the decision to withdraw following the guidelines set forth by the specific program.
- Students should notify their Academic Advisor of their withdrawal and for assistance with registration for classes at TU if necessary. Students should be aware that course availability may be limited dependent on the timing of their withdrawal and subsequent registration.
- Financial aid recipients must notify the Financial Aid Office of their withdrawal. Students may be required to repay some or all of their aid award depending on the date of withdrawal.
- Students who must withdraw from a study abroad program due to emergency or illness should contact the TU Study Abroad Office for assistance and instructions as soon as possible.
- Students who are dismissed from their study abroad program will receive no academic credit for their courses abroad and are subject to judicial sanction upon return to TU depending upon the circumstances of the dismissal.
- Students who withdraw from a study abroad program are not eligible to receive a refund of their non-refundable program deposit (if applicable) or the TU Study Abroad Fee.
- Students who withdraw prior to departure may be responsible for program costs already incurred on their behalf by the University or the program sponsor.
- Students who withdraw after their program abroad is underway may be eligible for a partial refund depending upon the program policies and the University's refund schedule.
- Students who are dismissed from their study abroad programs are not eligible for refund and are subject to additional expenses depending upon the circumstances of the dismissal.
- Eligibility for possible refunds will be calculated from the first day of the program abroad, not according to the TU billing calendar. As refunds vary due to a variety of factors, please contact the Study Abroad Office to discuss particular circumstances.
Overseas Insurance Requirements
Towson University requires all study abroad participants to have health and accident insurance while studying abroad which provides, at a minimum, coverage for emergency medical care and treatment, hospitalization, and physician charges in the country where the host institution or program is located, as well as insurance for medical evacuation, repatriation and medical reunion.
Most U.S. health insurance plans have some limitations for treatment outside the U.S. and very few have medical evacuation repatriation or family reunion benefits so we strongly recommend you purchase supplemental coverage for the duration of your time abroad. You should also maintain your U.S. insurance to ensure continuous coverage for any pre-existing conditions.
Towson University Study Abroad Programs
Students participating in a TU program or exchange will be automatically enrolled
in the Towson University Study Abroad Insurance Plan for the duration of their program
abroad. Students will receive an individual ID card prior to departure.
Towson University Study Abroad Insurance Plan (PDF)
How to Make a Claim (PDF)
Non-TU Study Abroad Programs
Most TU affiliate and approved study abroad programs include health insurance and assistance plans in their program fee. We recommend that you review the insurance benefits packaged with your study abroad program (if any) and decide if the coverage provided is adequate.
If you want or need to purchase your own plan or supplemental coverage, the following insurance providers offer overseas medical insurance policies:
Housing at TU
- Students who live in TU housing may request to be released from their housing contract for the term they will be studying abroad.
- Submit a written cancellation request to housing AT_TOWSON or in person to the Housing and Residence Life Office (West Village Commons, Suite #309).
- Ask your Study Abroad Adviser to submit a Housing Release Request Form confirming your Study Abroad participation to the Housing and Residence Life Office.
- If you will be studying abroad in the fall and will not be returning to TU housing in the spring, your$350 housing deposit will be refunded. If you are studying abroad in the fall and have notified the Housing and Residence Life Office that you will be returning to TU housing in the spring, your $350 deposit will be credited to your spring housing charges.
- It is the student’s responsibility to notify the Housing and Residence Life Office if they intend to return to TU housing once they have completed their program abroad. NOTE: Students are only eligible to return to housing if they have accumulated 89 or fewer credit hours as of the end of the previous fall semester. Students who have accumulated 90 or more credit hours are not eligible to return to university housing and should look into off-campus housing.
- If you are studying abroad in the spring and have notified the Housing and Residence Life Office that you will be returning to TU housing in the fall you will receive instructions on applying for housing via email in early December. NOTE: All correspondence will be sent to your TU email address.
- Study Abroad students looking for off-campus housing for the semester they return or outgoing study abroad students with rooms available to lease are encouraged to take advantage of the TU Off-Campus Housing Service.
Assessment of our programs and security conditions around the world is one of the primary functions of the TU Study Abroad Office, as well as of our partner institutions and affiliate providers. Our office receives reports twice daily from the Overseas Security Advisory Council and continuously monitors travel alerts, warnings, and recommendations issued by the U.S. Department of State, World Health Organization, and Centers for Disease Control. We keep a careful watch on the world situation and confer constantly with our colleagues both here and abroad sharing information with our students and their designated emergency contacts as needed. We also work very closely with our international health and security insurance provider - RCM&D - and their emergency assistance provider AXA.
- Towson University does not typically administer programs or exchanges in countries with active U.S. Department of State travel warnings. Towson students may study in countries with travel warnings through approved non-TU study abroad programs but are required to complete a Travel Waiver acknowledging the associated risks at the time of application. Should a travel warning be issued for a country in which TU students are studying, notifications are sent to students making them aware of the Department of State recommendations. In addition, assistance in facilitating their return home and/or other arrangements is provided to the extent possible.
- Should a travel warning be issued for a country in which TU administers a program or should the university deem it necessary for other reasons, appropriate actions may be taken including but not limited to adjusting the program schedule, relocating the program, ending the program early, or suspending or canceling the program. Once a program has begun, we have procedures in place which allow us to respond to specific types of emergencies but we will not cancel or close any study abroad program unless there is a clear and present danger to our students at a particular site, and we have assurances that evacuating the site would be safer than staying. Should an evacuation be deemed necessary, we would do so in coordination with the host institution, program, or provider, the relevant U.S. Embassy, and the U.S. State Department.
- All students participating in study abroad programs are encouraged to purchase travel insurance in case of program itinerary changes or cancellation to cover associated costs such as flights, personal expenses, etc.