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.
Students must be at least 18 years old to study abroad. Exceptions may be considered
on a case-by-case basis.
TU students must be enrolled in a degree seeking program at Towson University (full
or part-time). TU faculty-led programs are open to non-TU students and members of
the community. Students who wish to study abroad on a TU faculty-led program after
graduation will be enrolled as a non-degree seeking student.
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 TYPE
|TU Faculty Led
||Billed by TU for cost of the program and the TU Study Abroad Fee. Tuition remission/waivers
cannot be applied.
||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/waivers can be applied.
||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/waivers cannot be
|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/waivers 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/waivers cannot be
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 state funded and some TU aid programs restrictions and
many can only be used for the fall or spring semesters.
IMPORTANT: Tuition remission/waivers can only be applied to TU Exchanges. They cannot
be applied to TU programs (including faculty-led programs or approved non-TU programs.
This applies to all tuition waiver/remission programs including waivers for University
System of Maryland employees and their dependents and waivers for Foster Care, Unaccompanied
Homeless Youth, and Maryland National Guard students.
Aid (grants or scholarships) from the Maryland Higher Education Commission (MHEC) can only be used if you enroll in a fall or spring study abroad program or exchange
for which you will be billed directly by TU or other school within Maryland. Eligible programs include exchanges, TU faculty-led programs, and "TU in" programs,
or programs billed by other colleges in Maryland. Programs are not eligible for MHEC
aid if you are billed by providers, overseas institutions, or out-of-state institutions.
MHEC’s aid programs include Conroy, Delegate, Senatorial, 2+2 Transfer, and V.A.I.C
scholarships; and Educational Assistance, Guaranteed Access, and Workforce Shortage
Student Assistance Grants. For more information, see www.towson.edu/admissions/financialaid/apply/abroad.html.
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
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
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
- 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
Study Abroad Course Form (PDF)
Grade Conversion Scales (WES)
- 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.
- Courses taken at Towson may not be repeated abroad and transferred back to Towson
in accordance with TU policy regarding transfer credit. Exceptions: Students participating in a TU faculty-led program, TU Global Internships Program,
independent Study Abroad, or independent internships abroad. These programs/activities
consist of Towson courses taught abroad and are graded by TU faculty. They do not
require equation to Towson courses, will not be considered transfer credit, and thus
may be repeated abroad.
- If a course taken abroad is repeated at Towson, the study abroad credit will be excluded
automatically, regardless of the grade earned at Towson. The grade for the repeat
course will be posted to the TU record and calculated into the TU GPA.
- Students who must repeat a language course abroad (as result of a language placement
test) that was previously taken at TU will earn unspecific lower level elective credit.
- 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).
- The Pass Grading option (Pass/Fail) is not available for students participating in
TU faculty-led programs.
- 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
- 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.
- 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. 10 UK credits
are equivalent to 3 TU credits, 15 UK credits are equivalent to 4 TU credits, and
20 UK credits are equivalent to 5 TU credits. Students studying abroad during the
fall or spring at universities that utilize UK credits must take at least the equivalent
of 12 TU credits.
At most Scottish universities, students take 60 SCOTCAT credits per semester. 10 SCOTCAT
are equivalent to 3 TU credits, 15 SCOTCAT credits are equivalent to 4 TU credits,
and 20 SCOTCAT credits are equivalent to 5 TU credits. Students studying abroad in
Scotland during the fall and spring must take at least the equivalent of 12 TU credits.
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
- 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
- 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
- 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:
Cultural Insurance Services International
International Student Insurance
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
- 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.