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Timeline

T.H. Chan School of Medicine Refund Timeline

The following chart illustrates direct deposit/refund timing based on your year in the curriculum:
Year in MD Curriculum: Year 1 Year 2 Year 3  Year 4
Class of 2029 Class of 2028 Class of 2027 Class of 2026
Fall '25 Refund Issued: Mid-August Mid-August mid-July mid-July
Fall '25 refund needs to last...  Until January refund Until January refund Until January refund Until January refund
(5 months) (5 months) (6 months) (6 months)
Spring '26 Refund Issued: mid-January mid-January mid-January mid-January
Spring '26 refund needs to last... Until mid-August fall refund Until mid-July refund Until mid-July refund Until your first resident paycheck!
(7 months) (6 months) (6 months) (6-7 months)
Noteworthy expenses to budget for Step 1 study materials, Step 1 Board Exam fees, Step 2 Board Exam fees, Residency prep costs (ERAS, interview costs), 
Curriculum Related Travel (LPP, ECL, Shadowing, Conferences, Hospital Sessions, Off site Small Groups) Curriculum Related Travel LPP, ECL, Shadowing, Conferences, Hospital Sessions, Off site Small Groups, Start of Clerkships - travel to clinical sites) Curriculum Related Travel (travel to clinical sites, start of Horizons - away rotation applications, away rotations) Curriculum Related Travel (away rotations and travel to clinical sites)
Tan Chingfen Graduate School of Nursing Refund Timeline
The following chart illustrates direct deposit/refund timing based on your program. 

If you are registered less than 1/2 time (fewer than 4.5 credits) during a semester you may not be eligible for a disbursement.
Nursing
Program:		 GEP Non-
GEP
Fall '25 Refund Issued: Mid-August Mid- to Late-September.
After the last day to add/drop a course.
Fall '25 refund needs to last...  Until January refund Until January refund
(5 months) (4 months)
Spring '26 Refund Issued: Mid-January Late-January to early-February.
After the last day to add/drop a course.
Spring '26 refund needs to last... Until early June Summer refund Until early June Summer refund
(5 months) (5 months)
Summer '26 Refund Issued: Early June Late-May to early-June.
After the last day to add/drop a course.
Summer '26 refund needs to last... Until mid-September Fall refund Until mid-September Fall refund
(3 months) (3 months)
Expenses to budget for Housing, Food, Transportation and Personal Expenses Housing, Food, Transportation and Personal Expenses
Books, Course materials, supplies and equipment Books, Course materials, supplies and equipment

Morningside Graduate School of Biomedical Sciences
The following chart illustrates direct deposit/refund timing based on your program.  This includes MD/PhD students enrolled in their PhD years.
 
If you are registered less than 1/2 time (fewer than 4.5 credits) during a semester you may not be eligible for a disbursement.
  Regular Academic Session  
   
Fall '25 Refund Issued: late-August  
 
Fall '25 refund needs to last...  Until late January refund  
(4 months)  
Spring '26 Refund Issued: late-January  
 
Spring '26 refund needs to last... Until late May Summer refund  
(5 months)  
Summer '26 Refund Issued: late May  
 
Summer '26 refund needs to last... Until Fall refund  
(3 months)  
Expenses to budget for Housing, Food, Transportation and Personal Expenses  
Books, Course materials, supplies and equipment