A Student Guide to Higher Education & Financial Aid in Maryland

7/30/2019 A Student Guide to Higher Education & Financial Aid in Maryland

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N}oxqmt}eXqjqdTlk~d}xkq{)jhogv}dcdlxk~d) ij}edi{}dxkadlqkji}dekoljitlk~d}xkq{iohjqdakludxqd}lGj}{ijla)onnd}x1:tlad}e}jatjqdgjbo}xjla; gjxqd}x ade}dd v}oe}jgx, Qcd Tlk~d}xkq{ v}o~kadx xq}ole jhjadgkhv}oe}jgxklqcdikmd}jij}qxjlaxhkdlhdxjlaljqkoljii{jhh}dakqdaade}ddxkl mtxkldxx) dathjqkol) jla xohkji uo}`, N}oxqmt}e Xqjqd Tlk~d}xkq{ kx}dhoelkrda no} kqx juj}aukllkle hoggtlkq{ xd}~khd jla idjad}xckvv}oe}jgx,Dsqdlxk~dxqtadlqxd}~khdx)htiqt}jid~dlqx)jlaAk~kxkolKKKxvo}qxj}dvj}qonqcdTlk~d}xkq{xv}oe}jggkle,Qcdxqtadlq/njhtiq{}jqkokx:5qoold,Dkecq{nk~dvd}hdlqonqcdnjhtiq{cj~dqd}gkljiade}ddxklqcdk}nkdiax,

:6:M}jaaoh`]oja)N}oxqmt}e)GA=:48==86886:>351666/uuu,n}oxqmt}e,dat

Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq21)64:Gjid23;> Ndgjid28):44Ntiiqkgd2=)54; Vj}qqkgd2:)=;=Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!8)4=5Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!:4:Gjlajqo}{nddx#NQ+2!:)51;Gjlajqo}{nddx#VQ+2!=:3#VitxjlJtskikj}{Holxq}thqkolNdd!8:vd}h}dakqcot}+HjgvtxCotxkle2]oog2!1)1>=aotmidohhtvjlh{Moj}a2!=)84= =)>5>vd}{dj}Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)Hd}qknkhjqdxHjidlaj}2Xdgdxqd})onnd}kleaj{)udd`dla)uklqd}jlaxtggd}hijxxdxDlq}{]dztk}dgdlqx2Gtxqcj~d1tlkqxonDleikxc08tlkqxonxohkjixhkdlhdjla/o}ckxqo}{08tlkqxonxhkdlhd)klhitakle=ijmo}jqo}{dsvd}kdlhdx08tlkqxongjqcdgjqkhx)klhitakleJiedm}jK)Jiedm}jKK)jlaedogdq}{0jla=tlkqxonno}dkelijletjedo}ja~jlhdaqdhcloioe{,J~d}jedXJQno}njii=66>n}dxcgjl346JvvikhjqkolAdjaikldx2V}ko}kq{adjaikldx2Njii2Btld:4)Xv}kle2Adhdgmd}:4)ukqc}oiiklejagkxxkolxQKQIDK^HOAD266=6>3

Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq24)=:4Gjid2=)435 Ndgjid2=)>=3Ntiiqkgd21)1;: Vj}qqkgd25=1Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!4)666Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!=65Gjlajqo}{nddx#NQ+2!:)>31Gjlajqo}{nddx#VQ+2!3=vd}h}dakqcot}HjgvtxCotxkle2]oog2!8)151 !1)5;1Moj}a2!=);31 !8)386Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}xHjidlaj}2Xdgdxqd})ukqcqc}dd1udd`xdxxkolxjlaquo>udd`xdxxkolxDlq}{]dztk}dgdlqx2Gtxqcj~d1tlkqxonDleikxc08tlkqxonxohkjixhkdlhd0=tlkqxon ijmo}jqo}{xhkdlhd08tlkqxongjqcdgjqkhx)klhitakleJiedm}jK)Jiedm}jKK)jlaedogdq}{0jla=tlkqxonno}dkelijletjed,J~d}jedXJQxho}dno}njii=665n}dxcgdl2;>5,JvvikhjqkolAdjaikldx2]oiikleJagkxxkolxQKQIDK^HOAD266=65=

5
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::6:HjgadlJ~dltd)Xjikxmt}{)GA=:36:1:6418>666/uuu,xjikxmt}{,dat

Notladakl:3>>)QouxolTlk~d}xkq{)Gj}{ijlaxGdq}ovoikqjlTlk~d}xkq{)kxqcdxdholaij}edxqxhcooiklqcdTlk~d}xkq{X{xqdgonGj}{ijla)dl}oiiklego}dqcjl=:)666xqtadlqxklo~d}:66mjhcdio}x)gjxqd}xjlaaohqo}jiade}ddv}oe}jgxklqcdikmd}jij}qxjlaxhkdlhdx)jlajvvikdav}ondxxkoljinkdiax,QouxolTlk~d}xkq{kx`loulno}kqxdshdiidlqjhjadgkhv}oe}jgxklmtxkldxx) hogvtqd} xhkdlhd) cdjiqc v}ondxxkolx) dathjqkol) nkld j}qx)hoggtlkhjqkolx)jlaqcdj}qxjlaxhkdlhdx,Jxjgdq}ovoikqjltlk~d}xkq{)Qouxolhogmkldx}dxdj}hcmjxdaidj}lkleukqcv}jhqkhjijvvikhjqkol,Ot}gjl{ vj}qld}xckvx ukqc vtmikh jla v}k~jqd o}ejlkrjqkolx qc}otecotqGj}{ijla v}o~kad ovvo}qtlkqkdx no} }dxdj}hc) klqd}lxckvx jlabomx, QcdTlk~d}xkq{kx iohjqda klxtmt}mjlQouxol)dkecqgkidxlo}qconMjiqkgo}d,Ot}mdjtqkntii{ijlaxhjvda)8=3jh}dxdqqkleonnd}xjvidjxjlqdl~k}olgdlqno}xqta{jlajak~d}xdhjgvtxiknd)jxudiijxdjx{jhhdxxqojudjiqcontlk~d}xkq{jlahoggtlkq{}dxot}hdx,

3666[o} ]oja)Qouxol)GA=:=4=666:1:6561=666/uuu,qouxol,dat

Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq25)3>3Gjid28)18> Ndgjid21)18=Ntiiqkgd2>);61 Vj}qqkgd2;>1Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!1)3:1Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!=66Gjlajqo}{nddx#NQ+2!:)361Gjlajqo}{nddx#VQ+2!>:vd}h}dakqcot}HjgvtxCotxkle2]oog2!1)==10Moj}a!8)5=1vd}{dj}Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x/VoxqMjhhjijt}djqdHd}qknkhjqdHjidlaj}2Xdgdxqd})xtggd}xdxxkol)jlauklqd}qd}gDlq}{]dztk}dgdlqx2Jmo~dj~d}jede}jadx klhoiidedv}dvj}jqo}{hot}xdx)klhitakle1tlkqxDleikxc08tlkqxxohkjixhkdlhd08tlkqxxhkdlhd)klhitakleijmo}jqo}{mjxdamkoioe{o}hcdgkxq}{08tlkqxgjqcdgjqkhx)klhitakleJiedm}jK)Jiedm}jKKjlaedogdq}{0jla={dj}xonqcdxjgdno}dkelijletjed, J~d}jedXJQxho}dxno}njii=66> n}dxcgdl2 XJQ #^G+ :):=6) XJQ #^GU+ :)>5=,XJQ/JHQkxovqkoljino}xqtadlqxukqcjckecxhcooiEVJon8,4o}ckecd},JvvikhjqkolAdjaikldx2Njii Bjltj}{:40Xv}kle Adhdgmd}:QKQIDK^HOAD266=6;:

Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq2=:):::Gjid25);=1 Ndgjid2:8):35Ntiiqkgd2:>)=3> Vj}qqkgd21)3=4=66;=6:6Tlad}e}jatjqdQtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!4):36Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!==4Gjlajqo}{nddx#NQ+2!:)::;vd}qd}gGjlajqo}{nddx#VQ+2!3>vd}h}dakqcot}!5qdhcnddvd}tlkqTlk~d}xkq{Cotxkle2]oog2!4)641GdjiVijl2!8)531#:1gdjixvd}udd`tl}dxq}khqda+Ade}ddxo}Juj}ax2Mjhcdio}x)VoxqMjhcdio}Hd}qknkhjqdx)Gjxqd}x)Aohqo}jqd)Hd}qknkhjqdonJa~jlhdaXqta{Hjidlaj}2Njii)xv}kle)xtggd}xdgdxqd}xjlaBjltj}{xdgdxqd}Dlq}{]dztk}dgdlqx2Ukiiek~dv}ko}kq{qodlqd}klen}dxcgdlukqcj#8,>+htgtijqk~djhjadgkhj~d}jed)e}jadx;::,JvvikhjlqxgtxqxtmgkqonnkhkjiXJQo}JHQ}dxtiqx,Jvvikhjlqxgtxqcj~dhogvidqda1tlkqxonDleikxc08tlkqxonxohkjixhkdlhd08tlkqxongjqcdgjqkhx#Jiedm}jKjlaKK)jlaedogdq}{+08tlkqxonxhkdlhd0jla=tlkqxonjno}dkelijletjed,J~d}jedXJQxho}dxno}njii=6632n}dxcgdl2#gkaaid46$+:)4=6:)586,JvvikhjqkolAdjaikldx2Njii2Ndm}tj}{:4)Xv}kle2Adhdgmd}:QKQIDK^HOAD266=6;;

3
http:///reader/full/www.salisbury.eduhttp:///reader/full/www.towson.eduhttp:///reader/full/www.salisbury.eduhttp:///reader/full/www.towson.edu


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:1=6L,Hcj}idxXq}ddq)Mjiqkgo}d)GA=:=6:455;:355JVVI[TM/uuu,tmjiq,dat

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4=6U,Iogmj}aXq}ddq)Mjiqkgo}d)GA=:=6:1:656>8:66/uuu,tgj}{ijla,dat

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Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq2>):4>Gjid2:)5=> Ndgjid21)186Ntiiqkgd21)51: Vj}qqkgd2:)1:4Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!>)3;6Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!86:Gjlajqo}{nddx2^j}kdxukqcv}oe}jgHjgvtxCotxkle2]oog2!>;3!:)66=vd}golqcAde}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)jlaAohqo}jqdHjidlaj}2^j}kdxukqcv}oe}jgDlq}{]dztk}dgdlqx2^j}kdxukqcv}oe}jgJvvikhjqkolAdjaikldx2]oiikleJagkxxkolxQKQIDK^HOAD266=:61

;
http:///reader/full/www.ubalt.eduhttp:///reader/full/www.umaryland.eduhttp:///reader/full/2,662.50http:///reader/full/www.ubalt.eduhttp:///reader/full/www.umaryland.eduhttp:///reader/full/2,662.50


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TGMH)jxdidhqk~dvtmikh}dxdj}hctlk~d}xkq{iohjqdamdquddlMjiqkgo}djla Ujxckleqol) A,H,) onnd}xxgj}q)dlejeda xqtadlqxovvo}qtlkqkdx qodsvio}dqcdkadjxqcd{j}dvjxxkoljqdjmotqkljlcolo}xtlk~d}xkq{xdqqklev}o~kaklejhhdxxqootqxqjlaklev}ondxxo}xjlaqcdklak~katjijqqdlqkoltxtjii{notlajqjxgjiid})v}k~jqdhoiided,Jgdaktgxkrdatlk~d}xkq{ukqcjak~d}xdhoggtlkq{)TGMHonnd}xo~d}:66mjhcdio}x)gjxqd}xjlaVc,A,v}oe}jgx) ukqc tlad}e}jatjqd v}oe}jgxjlhco}da kl qcd ikmd}jij}qx jlaxhkdlhdx,Jqqcde}jatjqdjlav}ondxxkoljiid~di)qcdtlk~d}xkq{dgvcjxkrdxdathjqkolq}jklkle)xhkdlhd)dlekldd}kle)klno}gjqkolqdhcloioe{)ctgjlxd}~khdxjlavtmikhvoikh{,TGMHxidjad}xckvklqdhcloioe{jlan}kdlai{hjgvtxhikgjqd)mtxkldxxjlaklatxq}{vj}qld}xckvx)jlajmkikq{qovijhdxqtadlqxklidjaklee}jatjqdv}oe}jgxjlav}ogkxklehj}dd}xj}dbtxqjnduonqcd}djxolxuc{xqtadlqxucohotiajqqdlajl{hoiidedj}dhcooxkleTGMH,

:666CkiiqovHk}hid)Mjiqkgo}d)GA=:=461:6144:666 /uuu,tgmh,dat

QcdTlk~d}xkq{onGj}{ijla)HoiidedVj}`kxqcdnijexckvonqcdxqjqd%xckecd}dathjqkolx{xqdgjlaoldonqcdqovvtmikh}dxdj}hcklxqkqtqkolxklqcduo}ia,Jqq}jhqklegjl{onqcdhotlq}{%xm}kecqdxqxqtadlqxjlagoxq}dlouldanjhtiq{)qcdtlk~d}xkq{qj`dxja~jlqjedon kqxm}oja}djhcqc}otecotqqcdxqjqdonGj}{ijla)kqxndad}jijlaklqd}ljqkoljivj}qld}xckvx)jlakqxiohjqkolldj}qcdljqkol%xhjvkqjiqoxdd`jlxud}xqontlajgdlqjiztdxqkolxjlaxoitqkolxqoh}kqkhjiuo}iakxxtdx,

HoiidedVj}`)GA=651=86:164:666

/uuu,gj}{ijla,dat

Q{vdonKlxqkqtqkol2Vtmikh1{dj}}dxdj}hctlk~d}xkq{Njii=665QoqjiDl}oiigdlq2Njii=663QoqjiDl}oiigdlq2:=)=>3Gjid2>)18> Ndgjid24)38=Ntiiqkgd2;)85; Vj}qqkgd2=)33;Tlad}e}jatjqd=66;:6 QtkqkoljlaGjlajqo}{Nddx2Ntiiqkgdqtkqkolvd}{dj}2!>)131Vj}qqkgdqtkqkolhoxqvd}h}dakqcot}2!=56Gjlajqo}{nddx#NQ+2!=)833Gjlajqo}{nddx#VQ+2!:6>vd}h}dakqcot}HjgvtxCotxkle2]oog2!4)>56vd}{dj}0Moj}a2!8)>88vd}{dj}Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)Aohqo}jqd)VoxqMjhhjijt}djqdHd}qknkhjqdHjidlaj}2Quoxdgdxqd}x)uklqd}xdxxkol)quoxtggd}xdxxkolxDlq}{]dztk}dgdlqx2Ckecxhcooiakviogjo}dztk~jidlq)XJQo}JHQ,J~d}jedXJQxho}dxno}njii=663ujx::;6,J~d}jedno}=663qovztj}qkidujx:8>6,Vd}hdlqjedonnjii=663jvvikhjlqxjhhdvqda2>;$,Jvvikhjqkol Adjaikldx2 N}dxcgjl Njii Xdgdxqd}2 Dj}i{ Jhqkol2Lo~dgmd}:0]detij}Adhkxkol2Ndm}tj}{:0Q}jlxnd}NjiiXdgdxqd}V}ko}kq{2Gj}hc:4#no}xhcoij}xckvholxkad}jqkol+0Nklji2Gj{8:0Q}jlxnd}Xv}kleXdgdxqd}V}ko}kq{2Lo~dgmd}:#no}xhcoij}xckvholxkad}jqkol+0Nklji2Adhdgmd}:4QKQIDK^HOAD266=:64

Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq285)666Gjid2:;)=81 Ndgjid2:5)5>>Ntiiqkgd28:)8:5 Vj}qqkgd24)>38Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddxno}Gj}{ijla]dxkadlqx2NtiiqkgdQtkqkolvd}{dj}2!>)4>>,66Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!=58,66Gjlajqo}{nddx#NQ+2!:)135Gjlajqo}{nddx#VQ+2!>53HjgvtxCotxkle2]oog2!4)41;Moj}a2!8)3=>Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)Aohqo}jqd)Hd}qknkhjqdHjidlaj}2Quoxdgdxqd}x0uklqd}qd}g0quoxtggd}xdxxkolxDlq}{]dztk}dgdlqx2Ckecxhcooiakviogjo}dztk~jidlq)XJQKo}JHQ,XqtadlqxxcotiadshddagklkgtgTlk~d}xkq{X{xqdgonGj}{ijlahot}xd}dztk}dgdlqxjlaadgolxq}jqdja~jlhdahoiidedv}dvj}jqo}{ht}}khtitg, J~d}jed #gkaaid 46$+ XJQ }jled no} njii =66;n}dxcgdl2:=16 :8;6,Vd}hdlqjedonnjii=66;n}dxcgdlklxqjqdjvvikhjlqxjhhdvqda21=$JvvikhjqkolAdjaikldx2NjiiN}dxcgdl Lo~dgmd}:0 Xv}kleN}dxcgdlAdhdgmd}:0 NjiiQ}jlxnd} Gj}hc:0 Xv}kleQ}jlxnd} Lo~dgmd}:4,QKQIDK^HOAD266=:68

:6
http:///reader/full/www.umbc.eduhttp:///reader/full/www.maryland.eduhttp:///reader/full/6,566.00http:///reader/full/www.umbc.eduhttp:///reader/full/www.maryland.eduhttp:///reader/full/6,566.00


11/81


QcdTlk~d}xkq{onGj}{ijlaDjxqd}lXco}d#TGDX+kxqcd:3;6IjlaE}jlqklxqkqtqkolno}qcdXqjqd,Jxxthc)kqgjklqjklxjidejh{onjckxqo}khjii{mijh`klxqkqtqkol

qcjq

onnd}x

dztji

dathjqkol

ovvo}qtlkq{

qo

jii

xqtadlqx,

Ade}dd

v}oe}jgxj}donnd}da kl ikmd}jij}qxjlaxhkdlhdx)je}khtiqt}d)mtxkldxx)j~kjqkolqdhcloioe{)dathjqkol)dl~k}olgdlqjijlagj}kldxhkdlhd)jiikdacdjiqc)jlacoxvkqjikq{,QcdTlk~d}xkq{onnd}xv}oe}jgx idjakleqoqcdMJjlaMXade}ddx kl8:akxhkvikldx klqcdj}qxjlaxhkdlhdx)v}ondxxkoljixqtakdx)jlaje}khtiqt}jixhkdlhdx,Kljaakqkol)TGDXonnd}x:>qdjhckleade}ddv}oe}jgx)3v}dv}ondxxkoljiv}oe}jgx)jlajlcolo}xv}oe}jgadxkeldaklhoovd}jqkolukqcqcdTlk~d}xkq{onGj}{ijla)Mjiqkgo}djlaqcdTlk~d}xkq{onGj}{ijla)HoiidedVj}`)Hoiidedon^dqd}klj}{Gdakhkldqov}dvj}d xqtadlqx no} v}ondxxkolji xqtakdx, TGDX jixo onnd}x e}jatjqdade}ddx kl je}khtiqt}ji jla dsqdlxkol dathjqkol) dathjqkol) jvvikdahogvtqd}xhkdlhd)nooajlaje}khtiqt}jixhkdlhdx)etkajlhdjlahotlxdikle)}dcjmkikqjqkolhotlxdikle)hj}dd}jlaqdhcloioe{dathjqkol)h}kgkloioe{jlah}kgkljibtxqkhd) xvdhkjidathjqkol) gj}klddxqtj}kldjladl~k}olgdlqjixhkdlhdx)jlaqoskhoioe{,Gj}klddxqtj}kldjladl~k}olgdlqjixhkdlhdx)qoskhoioe{) nooa xhkdlhd jla qdhcloioe{) o}ejlkrjqkolji idjad}xckv jladathjqkoljiidjad}xckvj}donnd}dajqGX)DaAjlaVcAid~dix0jlavc{xkhjiqcd}jv{onnd}xAVQ,

:HoiidedMjh`mold]oja)V}klhdxxJlld)GA=:3481:6>4:==66 / uuu,tgdx,dat

Tlk~d}xkq{onGj}{ijlaTlk~d}xkq{Hoiided#TGTH+kxoldon::ade}dde}jlqkleklxqkqtqkolxonqcdTlk~d}xkq{X{xqdgonGj}{ijla, Kqdsqdlaxqcd}dxot}hdxonqcdTlk~d}xkq{X{xqdgqouo}`klejatiqxucoujlqqovt}xtdckecd} dathjqkol, Qcd ht}}khtitg) xhcdatikle on hijxxdx) }dekxq}jqkolv}ohdat}dx) jla xqtadlq xd}~khdx cj~d jii mddl adxkelda qo h}djqd jxtvvo}qk~djhjadgkhdl~k}olgdlqno}mtx{jatiqx,Mjhcdio}x)gjxqd}xjlaaohqo}jiade}ddv}oe}jgxj}donnd}daklj~j}kdq{onakxhkvikldx)klhitaklemtxkldxxjlagjljedgdlq) KQjlahogvtqd}qdhcloioe{)jlaqdjhckle}dijqdaj}djx,TGTHonnd}xhijxxdxjqhdlqd}xqc}otecotqqcdXqjqd,GoxqonTGTHxv}oe}jgxj}djixoonnd}dantii{olikld,TGTHcjxj}qkhtijqda)atjijagkxxkolv}oe}jgxukqcJIIhoggtlkq{hoiidedx)qctxvd}gkqqklexqtadlqxucoxqj}qqcdk}xqtakdxjqjiohjihoiidedqohogvidqdqcdk}ade}ddukqcotqqcdioxxonh}dakqx,

846:Tlk~d}xkq{Motid~j}aDjxq)Jadivck)GA=653836:686:;345666 / uuu,tgth,dat

Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq21)=;6Gjid2 :)563 Ndgjid2 =)43=NtiiQkgd2 8)56: Vj}qQkgd2 43;Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiQkgdQtkqkolvd}{dj}2!1)::=Vj}qQkgdQtkqkolvd}h}dakqcot}2!:5:Gjlajqo}{Nddx#ntiiqkgd+2!:);56Gjlajqo}{Nddx#vj}qqkgd+2!3>HjgvtxCotxkle2]oog2 !8);86 !1)>66vd}{dj}Moj}a2 !:)=>6 !8)866vd}{dj}Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)Aohqo}jqdHjidlaj}2=xdgdxqd}x)uklqd})jla8xtggd}qd}gxDlq}{]dztk}dgdlqx2 Jagkxxkolkxmjxdatvoljxqtadlqxckecxhcooi}dho}axjlaXJQ/JHQxho}dx,Vd}hdlqjedonolhjgvtxdl}oiigdlq2;3,8$,J~d}jedXJQxho}dxno}dl}oiigdlq2346#quohogvoldlqxho}d+:=46#qc}ddhogvoldlqxho}d+JvvikhjqkolAdjaikldx2Njii2Bti{:40Xv}kle2Adhdgmd}:4QKQIDK^HOAD266=:6>

Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq281):5=Gjid2:1)345 Ndgjid2:;)8:4Ntiiqkgd28):55 Vj}qqkgd286);;4Tlad}e}jajtqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!4)4=6Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!=86Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)Aohqo}jqd)Jxxohkjqdade}ddx)jlahd}qknkhjqdxHjidlaj}2=xdgdxqd}x0=xtggd}qd}gxDlq}{]dztk}dgdlqx2Ckecxhcooiakviogjo}hogvidqdaEDAdsjgxukqcqoqjixho}don==4)loxho}dmdiou16oljl{on4qdxqx,Jvvikhjlqx ukqc j~d}jed mdiou =,6 gj{ dl}oii jx v}o~kxkoljitlad}e}jatjqdxqtadlqxtlad}hd}qjklholakqkolx,JvvikhjqkolAdjaikldx2]oiikleJagkxxkolxQKQIDK^HOAD26::>11

::
http:///reader/full/www.umes.eduhttp:///reader/full/www.umuc.eduhttp:///reader/full/www.umes.eduhttp:///reader/full/www.umuc.edu


12/81

NOT][DJ]VTMIKHKLXQKQTQKOLX

Go}ejlXqjqdTlk~d}xkq{ kx iohjqda klj}dxkadlqkjij}djonlo}qcdjxqd}lMjiqkgo}d,Notlada kl:3>5jxjv}k~jqd klxqkqtqkol) kqmdhjgdjvtmikhklxqkqtqkolkl:;8;jlajaohqo}jie}jlqkletlk~d}xkq{kl:;54,Qcdhjgvtxohhtvkdxgo}dqcjl:>6jh}dxjlaholxkxqxonldj}i{46mtkiaklexklhitaklegoad}l}dxkadlhdcjiixcotxklejvv}oskgjqdi{8)666xqtadlqx,Qc}otecotqkqxckxqo}{)Go}ejlcjxmddljhogv}dcdlxk~dklxqkqtqkoldgvcjxkrkleqcdj}qxjlaxhkdlhdxjlajxq}oleedld}jidathjqkolkljiiv}oe}jgxonxqta{)j q}jakqkol qcjqholqkltdx qoaj{,QcdTlk~d}xkq{onnd}xjukad~j}kdq{onjhjadgkh v}oe}jgx jq qcd tlad}e}jatjqd id~di) klhitakle v}ondxxkoljiv}oe}jgx kl dlekldd}kle) mtxkldxxjlagjljedgdlq) j}hckqdhqt}d)jlaqdjhcd}dathjqkol,Jqqcdaohqo}ji id~di)qcdhjgvtxonnd}xgo}dqcjljaordlv}oe}jgxklj~j}kdq{onnkdiax,

:566DjxqHoiaXv}kleIjld)Mjiqkgo}d)GA=:=4:1183348888 /uuu,go}ejl,dat

Xq, Gj}{x Hoiided on Gj}{ijla) qcd Xqjqdx vtmikh colo}x hoiided) kxhoggkqqdaqov}o~kaklej ikmd}jij}qxdathjqkolonqcdxjgdckecztjikq{notla jq v}dxqkekotx v}k~jqd klxqkqtqkolx) mtq ukqc qcd ovdlldxx jlajnno}ajmkikq{onjvtmikhhoiided,Xq,Gj}{xntinkiixkqxgkxxkolm{onnd}kleqojak~d}xd hoggtlkq{ on xhcoij}x j hcjiidlekle jhjadgkh v}oe}jghcj}jhqd}krdam{xgjiihijxxdx)ovvo}qtlkqkdxno}kladvdladlq}dxdj}hcjlaxqta{jm}oja)jlanjhtiq{onqcdckecdxqhjikmd},Xq,Gj}{xkxhoggkqqdaqoj hjgvtx qcjq }dnidhqx qcd ak~d}xkq{ on qcd uo}ia hoggtlkq{ jla jldathjqkolqcjqkxjhhdxxkmid,Qcdidj}lkledsvd}kdlhdjqXq,Gj}{xHoiidedkxdlcjlhdam{kqxhioxd`lkqhoggtlkq{)dnnkhkdlqtxdonqdhcloioe{)jhqk~dxqtadlqiknd)jlam}djqcqj`kleujqd}n}olqiohjqkol,

:3;4=DjxqNkxcd}]oja)Xq,Gj}{xHkq{)GA=6>3>=163;4=666 /uuu,xghg,dat

Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq25)664Gjid28):=3 Ndgjid28)355Ntiiqkgd24);8; Vj}qqkgd2:)6>>Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!1)=36Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!:;1Gjlajqo}{nddx#NQ+2!=)=>3Gjlajqo}{nddx#VQ+2!>=vd}h}dakqcot}HjgvtxCotxkle2]oog2!4)8>6Moj}a2!=);36Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)Aohqo}jqdHjidlaj}2=xdgdxqd}x)=xtggd}xdxxkolxjla:uklqd}xdxxkol,Dlq}{]dztk}dgdlqx2XikaklexhjidmjxdaolhogmkljqkolonXJQ/JHQjlaEVJ0J~d}jedXJQno}njii=66323;;JvvikhjqkolAdjaikldx2V}ko}kq{holxkad}jqkol2Lo~dgmd}:4,]detij}2Ndm}tj}{:4,QKQIDK^HOAD266=638

Q{vdonKlxqkqtqkol2Vtmikh1{dj}Njii=663QoqjiDl}oiigdlq2=)6>4Gjid23>= Ndgjid2:)=68Ntiiqkgd2:);;: Vj}qqkgd251Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!:6)15=Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!:>6Gjlajqo}{nddx#NQ+vd}{dj}2!=):8=HjgvtxCotxkle2]oog2!4):84Moj}a2!8);:6Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}xonJ}qxklQdjhckleHjidlaj}2=xdgdxqd}xjlaxtggd}qd}gj~jkijmidDlq}{]dztk}dgdlqx21tlkqxonDleikxc)=tlkqxonxhkdlhd#=tlkqxgtxqmdijm+)=tlkqxonxohkjixqtakdx):tlkqonckxqo}{)8tlkqxongjqc)=tlkqxonno}dkelijletjed)jla5tlkqxondidhqk~dx0jmo~dj~d}jed e}jadx kl hoiided v}dv, hot}xdx0 hjgvtx ~kxkq}dhoggdlada, J~d}jed XJQ xho}d no} =665 njii n}dxcgdl2#}dhdlqd}da+:=86,Vd}hdlqjedonjvvikhjlqxjhhdvqdaklnjii=663241,3$,JvvikhjqkolAdjaikldx2Bjltj}{:#Jv}ki:loqknkhjqkol+0Dj}i{adhkxkolK2Lo~dgmd}:adjaikld)Adhdgmd}:loqknkhjqkol0Dj}i{adhkxkolKK2Adhdgmd}:adjaikld)Bjltj}{:loqknkhjqkolQKQIDK^HOAD266=6;4

:=
http:///reader/full/www.morgan.eduhttp:///reader/full/www.smcm.eduhttp:///reader/full/www.morgan.eduhttp:///reader/full/www.smcm.edu


13/81

NOT][DJ]KLADVDLADLQHOIIDEDX.TLK^D]XKQKDX

Notladakl:;5=)Mjiqkgo}dKlqd}ljqkoljiHoiided#MKH+kxjlkladvdladlq)loqno}v}onkqhoiidedjhh}dakqdam{qcdHoggkxxkololCkecd}DathjqkolonqcdGkaaidXqjqdxJxxohkjqkol)jvv}o~dam{qcdGj}{ijlaCkecd}DathjqkolHoggkxxkol)jlav}oe}jggjqkhjii{jhh}dakqdam{qcdJgd}khjlHtiklj}{Ndad}jqkol,Mjiqkgo}dHjgvtxMjiqkgo}dKlqd}ljqkoljiHoiidedxMjiqkgo}d)Gj}{ijlahjgvtxkxiohjqdabtxqquomioh`xn}ogqcduo}ianjgotxKlld}Cj}mo}jlaonnd}xdjx{jhhdxxqogjl{onqcdj}djxgjbo}jqq}jhqkolxxthcjxhtiqt}jijladlqd}qjklgdlqd~dlqx)jm}ojaj}}j{on}dxqjt}jlqx)ctla}daxonvj}`xjla e}ddluj{x) jla gkidx on ujqd}n}olq no} qcoxd uco dlbo{ otqaoo}jhqk~kqkdx,QcdMjiqkgo}dhjgvtxkxckecikecqdam{qcdHoiidedxHtiklj}{J}qxHdlqd}#HJH+,QcdHJHonnd}xdkecqhtiklj}{ijmo}jqo}kdxqcjqndjqt}dxqjqd on qcd j}q hoggd}hkji nooaxd}~khd dztkvgdlq, MKH ovd}jqdx qcdGd}hcjlqMtkiakle)uckhckxcogdqoQcdMj{JqijlqkhHitm}dxqjt}jlq0qcdCov`klxKll0jlaqcdGotlq d}lolCoqdi)uckhckxcogdqoQcdMj{JqijlqkhHjnjlaAtmiklCjii,K}dijlaHjgvtxMjiqkgo}dKlqd}ljqkoljiHoiidedx:66jh}dhjgvtxklHotlq{Hj~jl)K}dijla)kxjuo}ia}dloulda}dxo}qukqcjeoinhot}xd)qcdVj}`Coqdi)jla:4gkidxonuji`klevjqcxjlaej}adlxxkqtjqdaolIotec]jgo},Kqkxjixocogdqodathjqkoljinjhkikqkdxjlaxqtadlqcotxkleucd}djii ade}dd xqtadlqx jqqdla no} jq idjxq 4 udd`x on v}jhqkhji q}jklkle,Mjiqkgo}d Klqd}ljqkolji Hoiided njhtiq{ gdgmd}x jla n}dztdlq etdxqklxq}thqo}x klhitad hcdnx jla jhjadgkh klxq}thqo}x qcjq j}d }dekoljii{)ljqkoljii{jla/o}klqd}ljqkoljii{}dhoelkrdajxidjad}xklqcdhtiklj}{jlacoxvkqjikq{nkdiax,

:5Hoggd}hdXq}ddq)Mjiqkgo}d)GA=:=6=8=861:654=15:6)dsq,:=6 /uuu,mkh,dat

MKLJCKLXQKQTQDONJA^JLHDABTAJKHXQTAKDXNO]UOGDL

Mkljc Klxqkqtqd on Ja~jlhda Btajkh Xqtakdx no} Uogdl kx j Bdukxcklxqkqtqkol klqcdO}qcoaosq}jakqkol, Mkljcv}o~kadxj}keo}otx) kladvqcdathjqkolkljiinjhdqxonqcdq}jakqkolji)hijxxkhjixqta{onBtajkxgjlajlklqd}akxhkviklj}{ ikmd}jij}qxht}}khtitg)uckhc klhitadxholhdlq}jqkolx kljhjadgkh jla v}ondxxkolji akxhkvikldx, Xqtadlqx j}d dlhot}jeda qovj}qkhkvjqdklklqd}lxckvxjlahoggtlkq{xd}~khdovvo}qtlkqkdx, Xohkjijlahtiqt}jihoht}}khtij}jhqk~kqkdxdl}khchjgvtxiknd,

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:8
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:1
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:6=:Atijld{^jiid{]oja)Mjiqkgo}d)GA=:=611:6885>666 / uuu,eothcd},dat

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16:]oxdgolqJ~dltd)N}dad}kh`)GA=:56:3454366;==:4;; / uuu,cooa,dat

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:4
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Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq2:;)543Gjid2;)4=1 Ndgjid2:6)=81Ntiiqkgd2::)544 Vj}qqkgd23)668Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!8;):46#j}qx.Xhkdlhdx.dlekldd}kle+)!81)=56#Vdjmoa{Klxqkqtqd+)!8:);=6#lt}xkle+Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!>86 !;;6Gjlajqo}{Nddx#NQ+2!466#nk}xq{dj}oli{+HjgvtxCotxkle2]oogjlaMoj}a2!:=)616#Cogduooahjgvtx+Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)Aohqo}jqd)V}ondxxkoljiHd}qknkhjqdxHjidlaj}2Xdgdxqd}xukqcBjltj}{klqd}xdxxkol)dshdvqno}ztj}qd}xklqcdXhcooionVtmikhCdjiqc,Xtggd}qd}gxj}donnd}daklxd~d}jionqcdxhcooix,Dlq}{]dztk}dgdlqx2BoclxCov`klxjagkxxkolkx~d}{hogvdqkqk~d,Jxq}olehoiidedv}dvj}jqo}{v}oe}jgkx}dhoggdlada)klhitaklenot}{dj}xonDleikxc)not}{dj}xongjqcdgjqkhx)not}{dj}xonjno}dkelijletjed)not}{dj}xonxhkdlhdukqcijmo}jqo}{)jlanot}{dj}xonckxqo}{jlaxohkjixhkdlhd,Qcd]djxolkleQdxqXJQo}JHQukqcu}kqkle kx }dztk}da, No} qcoxd xtmgkqqkleXJQ K xho}dx)BoclxCov`klx}dhoggdlaxxtmgkqqkleXJQxtmbdhqqdxqxho}dx)jlaknxtmgkqqda)}dztdxqx}dxtiqxn}ogqc}ddqdxqx,Jvvikhjlqxklqd}dxqdakl jl dlekldd}kle gjbo} xcotia xtmgkq xho}dx n}og qcdGjqcdgjqkhxId~di=dsjgjlajqidjxqoldxhkdlhddsjg,JvvikhjqkolAdjaikldx2Dj}i{Adhkxkol2Lo~dgmd}:40]detij}Adhkxkol2Bjltj}{:B,C,T,@}kded}XhcooionJ}qxjlaXhkdlhdxQKQIDK^HOAD2D66158QcdVdjmoa{KlxqkqtqdonB,C,T,QKQIDK^HOAD2D66=88B,C,T,XhcooionV}ondxxkoljiXqtakdxklMtxkldxxjlaDathjqkolQKQIDK^HOAD2D66154B,C,T,Mioogmd}eXhcooionVtmikhCdjiqcQKQIDK^HOAD2D66=81B,C,T,XhcooionLt}xkleQKQIDK^HOAD2D6615>B,C,T,XhcooionGdakhkldQKQIDK^HOAD2D66=84B,C,T,UckqkleXhcooionDlekldd}kleQKQIDK^HOAD2D66158

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146:L,Hcj}idxXq}ddq)Mjiqkgo}d)GA=:=:61:6>:5=666 / uuu,io{oij,dat

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Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq2>)636Gjid2=)118 Ndgjid28)>58Ntiiqkgd21)8:5 Vj}qqkgd2:)5>8=66;=6:6QtkqkoljlaGjlajqo}{Nddx2Ntiiqkgdqtkqkolvd}{dj}2!8>)4:6Vj}qqkgdqtkqkolhoxqvd}h}dakqcot}2!4;6Gjlajqo}{nddx2!:):66HjgvtxCotxkle2]oog2!3):36o}!;)=>6Moj}a2gdjixd}~khdjijhj}qdAde}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)Hd}qknkhjqdonJa~jlhdaXqta{)Aohqo}jqdHjidlaj}2Xdgdxqd}0xtggd}qd}gj~jkijmidDlq}{]dztk}dgdlqx2Xq}olexdholaj}{xhcooivd}no}gjlhd)klqd}~kdu}dhoggdlada,XJQ/JHQovqkolji,JvvikhjqkolAdjaikldx2Ndm}tj}{:

QKQIDK^HOAD266=653

:5
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=HoiidedCkii)Udxqgklxqd})GA=::451:63135666 / uuu,ghajlkdi,dat

Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq2=)654Gjid2>1; Ndgjid2:)1=>Ntiiqkgd2:)5>8 Vj}qqkgd28:=Olhjgvtx233$ Onnhjgvtx2:=$=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!88)666Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!:)854Gjlajqo}{nddx#NQ+2!:)6;6Gjlajqo}{nddx#VQ+2!414vd}xdgdxqd}HjgvtxCotxkle2]oog2!5):66Moj}a2!=)846Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}x)VoxqMjhhjijt}djqdHd}qknkhjqdHjidlaj}2Xdgdxqd}0xtggd}qd}gj~jkijmidDlq}{ ]dztk}dgdlqx2 Jvvikhjqkol ndd #!>6+, Vo}qnoiko on o}kekljij}quo}`)q}jlxh}kvqone}jadx)dxxj{)}dhoggdlajqkolx)JHQo}XJQxho}dx}dztk}da)ckecxhcooie}jatjqdo}dztk~jidlq,Colo}xjlaja~jlhdavijhdgdlqid~dihot}xduo}`j}dxq}olei{}dhoggdladaklJ}q)Dleikxcjlaoqcd}ctgjlkqkdxxtmbdhqx,J~d}jedXJQxho}dx2]djakle24;50Gjqc24>40U}kqkle2435,JvvikhjqkolAdjaikldx2Njii2Ndm}tj}{:80Xv}kle2Adhdgmd}:QKQIDK^HOAD266=636

Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq2:)58;Gjid2:)538 Ndgjid2;4>Ntiiqkgd2:)>38 Vj}qqkgd24>=66;=6:6QtkqkoljlaGjlajqo}{nddx2NtiiqkgdQtkqkolvd}{dj}2!8=)666Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!:)666HjgvtxCotxkle2]oog2!8)466Moj}a2!8):66Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}xHjidlaj}2 Quo xdgdxqd}x jla Bjltj}{ qd}g j~jkijmid no}tlad}e}jatjqdx0Quoxdgdxqd}xjlaxtggd}xdxxkolxj~jkijmidno}e}jatjqdxqtadlqx,Dlq}{]dztk}dgdlqx2 ]dhoggdlada ckec xhcooi v}oe}jg xcotiaklhitad1{dj}xDleikxc)8{dj}xxohkjixqtakdx)8{dj}xonoldno}dkel ijletjed) 8 {dj}x ijmo}jqo}{ xhkdlhd) jla 8 {dj}xgjqcdgjqkhx,XJQo}JHQ}dztk}da,Q}jlxnd}xqtadlqxgtxqxtmgkqckecxhcooijlahoiidedq}jlxh}kvqx,JvvikhjqkolAdjaikldx2Dlq}jlhdadhkxkolxj}dgjadxd~d}jiqkgdxdjhc{dj},Adjaikldxno}Dj}i{Jhqkolj}dOhqomd}:4)Lo~dgmd}:4jlaAdhdgmd}:,Adjaikldxno}}detij}adhkxkolj}dBjltj}{:4jlaNdm}tj}{:4,Jiijvvikhjqkolxatdm{Ndm}tj}{:4,Ndm}tj}{:4kxadjaikldno}xhcoij}xckvx,QKQIDK^HOAD266=:6;

:3
http:///reader/full/www.mica.eduhttp:///reader/full/www.mcdaniel.eduhttp:///reader/full/www.mica.eduhttp:///reader/full/www.mcdaniel.edu


19/81


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:;
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V,O,Mos=366)Jlljvoikx)GA=:161=3661:6=>8=85: / uuu,xbhj,dat

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Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq213;Gjid2=43 Ndgjid2=8:Ntiiqkgd2448Tlad}e}jatjqd=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!8;);;=Gjlajqo}{nddx2!166HjgvtxCotxkle2]oogjlaMoj}a2!;)>66Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}xHjidlaj}2Xdgdxqd}Dlq}{]dztk}dgdlqx2Tlad}e}jatjqd2 Hoiidedv}dvj}jqo}{v}oe}jg)klhitaklequo{dj}xonno}dkelijletjed)quo{dj}xonjiedm}j)old{dj} on edogdq}{, Jq idjxq quo {dj}x on ljqt}ji xhkdlhd kx}dhoggdlada,E}jatjqd2Mjhcdio}xade}dd,JvvikhjqkolAdjaikldx2]oiikleJagkxxkolx0Gj}hc:}dhoggdladano}tlad}e}jatjqdxqtadlqx,E}jatjqdxqtadlqxgj{mdeklklnjii)xv}kle)o}xtggd},QKQIDK^HOAD266=6;=

=6
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=:
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==
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23/81


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5546Golqvdikd}]oja)Ijt}di)GA=65=81:6333;613 / uuu,qjk,dat

Qcd]jmmkXjgtdijlaRdcj~jN}kdagjlHoiidedonJa~jlhdaBtajkhjlaQjigtakhXqtakdx)Mk}hjxXcgtdi)jl jnnkikjqdon qcdldj};adhjadoiaQjigtakhjiJhjadg{onMjiqkgo}ddlejedx kqxxqtadlqx kljl kladvqc)hijxxkhjiBdukxcXqtakdxht}}khtitgqcdmjxkxonuckhcno}gxqcdholatkqqoqcdklqdiidhqtjickxqo}{onUdxqd}lQcotecq,]keo}otxhot}xduo}`klMkmikhjijlaQjigtakhIkqd}jqt}d)Cdm}dujlaJ}jgjkhIjletjedx)BdukxcIjujlaVckioxovc{no}gqcdho}dht}}khtitg,JMjhcdio}onXhkdlhdklQjigtakhIju jla j Mjhcdio} on Xhkdlhd kl Bdukxc Dathjqkol j}d onnd}da qoe}jatjqdx,

1114OiaHot}q]oja)Mjiqkgo}d)GA=:=634=6131>>66s8:3 / uuu,qjigtakhjijhjadg{,o}e

Q{vdonKlxqkqtqkol2Kladvdladlq1{dj})Lolv}onkq)jlaE}jatjqdXhcooiO]Kladvdladlq1{dj})Lolv}onkqGjxqd}xAde}ddxNjii=663QoqjiDl}oiigdlq2111Gjid258 Ndgjid285:Ntiiqkgd2=4; Vj}qqkgd2:34=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2Jhtvtlhqt}d2!=:)=:;0Cd}mjiGdakhkld2!=6)>850JvvikdaCdjikleJ}qx2!:1)46>0HckldxdCd}mxV}oe}jg2!1);>3,54Gjlajqo}{nddx2Jhtvtlhqt}djlaCd}mjiGdakhkld2!1140JvvikdaCdjikleJ}qx!1140HckldxdCd}mV}oe}jg2!114Ade}ddxo}Juj}ax2Gjxqd}onJhtvtlhqt}d#G,Jh,+)Gjxqd}onJ}qx#G,J,+klJvvikdaCdjikleJ}qx)Gjxqd}onXhkdlhdklCd}mjiGdakhkldVoxqMjhhjijt}djqdHd}qknkhjqd2HckldxdCd}mxHjidlaj}2Q}kgdxqd}X{xqdg2Jhtvtlhqt}djlaCd}mjiGdakhkld0Dsdhtqk~dno}gjq2JvvikdaCdjikleJ}qxDlq}{]dztk}dgdlqx2HolqjhqqcdOnnkhdonE}jatjqdJagkxxkolxjqjagkxxkolxFqjk,dat,JvvikhjqkolAdjaikldx2]oiikleJagkxxkolx !;4jvvikhjqkolnddjla!846gjq}khtijqkolndd,QKQIDK^HOAD2E=4531

Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq25Gjid25Ntiiqkgd25=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!5)466 !:6)666Ade}ddxo}Juj}ax2Mjhcdio}onXhkdlhdklQjigtakhIju)Mjhcdio}onXhkdlhdklBdukxcDathjqkolHjidlaj}2NjiijlaXv}kle=6:6=6::jhjadgkh{dj}ukiiklhitadjxtggd}xdgdxqd}Dlq}{ ]dztk}dgdlqx2 Jvvikhjlqx gtxq adgolxq}jqd dsdgvij}{xdholaj}{xhcooivd}no}gjlhdhogmkldaukqc`louidaedonjlanitdlh{klMkmikhjiCdm}dujlaQjigtakhJ}jmkh,Jvvikhjlqxgtxqjixoadgolxq}jqdqcdklqdiidhqtji}djakldxxqodlejedklj}keo}otxBdukxcXqtakdxht}}khtitg,Klqd}~kdux}dztk}da,JvvikhjqkolAdjaikldx2Jtetxq8:

=8
http:///reader/full/www.tai.eduhttp:///reader/full/www.talmudicalacademy.orghttp:///reader/full/4,968.75mailto:[email protected]:///reader/full/www.tai.eduhttp:///reader/full/www.talmudicalacademy.orghttp:///reader/full/4,968.75mailto:[email protected]


24/81


QckxhoxgovoikqjlHc}kxqkjlhoiidedkxcogdqockechjikmd}xqtadlqxn}ogldj}i{d~d}{xqjqdjlago}dqcjl86aknnd}dlqhotlq}kdx,UJThcjiidledxxqtadlqxqoxdkrdjgtiqkqtadonovvo}qtlkqkdxno}jhjadgkh)htiqt}jijlaxvk}kqtjie}ouqc)jlamdhogdgo}jiidjad}xklhoggtlkqkdxj}otlaqcduo}ia,UJTkxGolqeogd}{Hotlq{xoli{}dxkadlqnot}{dj} ikmd}jij}qxhoiidedjla onnd}x hd}qknkhjqd v}oe}jgx0 jxxohkjqd) mjhhjijt}djqd) jlagjxqd}xade}ddx0klhitakled~dlklev}oe}jgxno}jatiqidj}ld}x,Gjbo}xonnd}dam{UJTxqc}ddxhcooixqcdXhcooionJ}qxjlaXohkjiXhkdlhdx)qcdXhcooionCdjiqcV}ondxxkolx)XhkdlhdjlaUdiildxx)jlaqcdXhcooionE}jatjqdjlaV}ondxxkoljiXqtakdxklhitadlt}xkle)mtxkldxx)vx{hcoioe{)dathjqkol)gtxkh)ckxqo}{)voikqkhjixqtakdx)mkoioe{)}dxvk}jqo}{hj}d)jlaoqcd}x,V}dv}ondxxkoljixvdhkjikrjqkolxonnd}daklhitadV}dIju)V}dGdakhkld)V}dAdlqkxq}{)V}dVcj}gjh{)V}dVc{xkhjiQcd}jv{)jlaV}dS]j{Qdhcloioe{,UJTx :82: xqtadlq/qdjhcd} }jqko v}ogoqdx klak~katjikrda klxq}thqkol,Qc}otec qcd hoovd}jqk~d dathjqkol v}oe}jg) xqtadlqx j}d vijhda klklqd}lxckvx}dijqdaqoqcdk}gjbo}x,HTHonnd}xhjgvtxgklkxq}kdxv}oe}jgx)ljqkoljicolo}xohkdqkdx)klqd}ljqkoljii{}dhoelkrdagtxkhjie}otvx)jGoh`Q}kjiQdjg)jlaLHJJAk~kxkolKKjqcidqkhx,

5>66Nioud}J~dltd)Qj`ogjVj}`)GA=6;:=86:3;:1666 / uuu,ujt,dat

UjxckleqolMkmidHoiidedHjvkqjiMkmidXdgklj}{kxiohjqdaolj>8jh}dhjgvtx:6gkidxn}ogqcdljqkolxhjvkqji,Xklhdkqxnotlaklekl:;83)qcdHoiidedjlaXdgklj}{cj~dv}dvj}daxqtadlqxno}gjl{`klaxonHc}kxqkjlgklkxq}kdx,QcdHoiidedonnd}xJ,J,jlaM,J,ade}ddxukqcv}oe}jgxklMkmikhjixqtakdx) hotlxdikle) hct}hc dathjqkol) xvo}qx gklkxq}{) gkxxkolx) gtxkh)vjxqo}jigklkxq}{)didgdlqj}{dathjqkol)v}dxdgklj}{)jla{otqcgklkxq}{ukqcv}oe}jgxmoqcklqcdhijxx}oogjlaolikld,KlNjii=663qcdHoiidedmdejlqojlonnd}jatiqade}ddhogvidqkolv}oe}jg,QcdXdgklj}{onnd}xqcdgjxqd}onj}qxklMkmikhjixqtakdx)gjxqd}onak~klkq{)jlagjxqd}onqcdoioe{ade}ddx)

jx

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j

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akxhkvidxckv

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>4::V}klhdxxEj}adlVj}`uj{)Ijlcjg)GA=656>86:44=:166 / uuu,mkmid,dat

Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq2;46Gjid2886 Ndgjid2>=6Ntiiqkgd2>46 Vj}qqkgd2=;:=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!:3)=66Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2!5>6Gjlajqo}{nddx#NQ+2!:)=36Gjlajqo}{

nddx

#VQ+2

Xikakle

Xhjid

HjgvtxCotxkle2]oogjlaMoj}a2AotmidOhhtvjlh{2 !8);66/{dj})XkleidOhhtvjlh{2 !>)666/{dj}Moj}a2 !8)866/{dj}Ade}ddxo}Juj}ax2Hd}qknkhjqdx)Jxxohkjqdx)Mjhcdio}x)Gjxqd}xDlq}{ ]dztk}dgdlqx2 JHQ o} XJQ kx }dztk}da, Xdholaj}{ xhcooiht}}khtitgvjqqd}l2Dleikxc#1tlkqx+0gjqcdgjqkhx#=tlkqx+0xohkjixhkdlhdjlackxqo}{#=tlkqx+0xhkdlhd#=tlkqx+01didhqk~dtlkqxn}ogjl{on qcdjmo~dj}djxo}no}dkel ijletjedo}mdekllklehogvtqd}xhkdlhd,JvvikhjqkolAdjaikldx2Njii2Jtetxq:0Xv}kle2Adhdgmd}:0Xtggd}2Jv}ki:QKQIDK^HOAD266=6>5

Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq2435Gjid2885 Ndgjid2=46Ntiiqkgd2=85 Vj}qqkgd2846=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2Hoiided2!:6)636Xdgklj}{2!3)8:>Vj}qqkgdQtkqkolhoxqvd}h}dakqcot}2Hoiided2 !4)616Xdgklj}{2!8)>;>Gjlajqo}{nddx#jiixqtadlqx+2!54;,=4HjgvtxCotxkle2]oogjlaMoj}a2!>);6>,46#aotmid}oog)5aj{gdjivijl+Ade}ddxo}Juj}ax2Hd}qknkhjqd)Jxxohkjqdx)Mjhcdio}x)Gjxqd}xHjidlaj}2Xdgdxqd}0xtggd}qd}gj~jkijmidDlq}{]dztk}dgdlqx2Ckecxhcooie}jatjqkolo}EDA0dxxj{0dgvio{d}o}qdjhcd}}dnd}dlhd0vjxqo}x}dnd}dlhd0XJQo}JHQ,Xdgklj}{}dztk}dxE]D.mjhcdio}xade}dd,JvvikhjqkolAdjaikldx2]oiikleJagkxxkolxQKQIDK^HOAD266:1>="HoiidedjlaXdgklj}{Dl}oiigdlqQoqjix,

=1
http:///reader/full/www.wau.eduhttp:///reader/full/www.bible.eduhttp:///reader/full/6,906.50http:///reader/full/www.wau.eduhttp:///reader/full/www.bible.eduhttp:///reader/full/6,906.50


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Ujxckleqol Hoiided ujx notlada tlad} qcd vjq}oljed on Edo}edUjxckleqol jx qcd nk}xq hoiided hcj}qd}da kl qcd ldu ljqkol, Ukqckl jq}jakqkolji ikmd}ji j}qx xdqqkle) xqtadlqx mdldnkq n}og j xtvvo}qk~d jlavd}xoljikrdadathjqkolqcjqonnd}xovvo}qtlkqkdxno}tlad}e}jatjqd}dxdj}hc)klqd}lxckvx)h}djqk~dv}obdhqx)jlaxqta{jm}oja,Xqtadlqxjvv}dhkjqdot}xdqqkleol qcd xhdlkhHcdxqd}]k~d}jgka qcddhoioekhjimotlq{on qcdDjxqd}lXco}donGj}{ijlajxjljqt}jidsqdlxkolonqcdhijxx}oogjlajvd}xoljiidj}lkleijmo}jqo}{no}qcdk}klqdiidhqtjijlaxohkjie}ouqc,Djhc{dj})UjxckleqolHoiidedjuj}axqcdljqkolxij}edxqtlad}e}jatjqdikqd}j}{v}krd,Ujxckleqolx idejh{kx}dnidhqdaqoaj{klqcdUjxckleqolXhcoij}xV}oe}jg)uckhc}dhoelkrdxqcdv}ogkxdon idjad}xckvqc}otecedld}otxgd}kqxhcoij}xckvx,

866UjxckleqolJ~dltd)Hcdxqd}qoul)GA=:>=6::;51:6553=366 / uuu,ujxchoii,dat

UogdlxKlxqkqtqdonQo}jcXdgklj}{#UKQX+/GjjioqMjiqkgo}dkxiohjqdakl qcd cdj}q on Lo}qcudxq Mjiqkgo}d, Xklhd kqx notlakle kl :;;3)UKQX cjx v}dvj}da xqtadlqx no} idjad}xckv kl qcd m}ojad} Bdukxchoggtlkq{)moqciohjii{jlaljqkoljii{, Qcdhoiidedonnd}xM,J,jlaM,X,ade}ddxklBtajkhXqtakdxjlaBdukxcDathjqkol)holxkxqkleonv}oe}jgxklMkmikhjiXqtakdxjlaBdukxcdqckhxno}d~d}{aj{ ikndjlaq}jklkle no}BdukxcDathjqkol@:=, Ukqcjm}oja }jledonhot}xdxjlajxgjiinjhtiq{xqtadlq}jqko)UKQX/Gjjioqxqtadlqxj}dv}dvj}dano}Bdukxcikndjlaqcduo}`vijhd,

>>66Vj}`CdkecqxJ~dltd)Mjiqkgo}d)GA=:=:41:68438:11 / dgjkijaa}dxx2ukqxFgjjioqmjiqkgo}d,o}e

Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq2:)16=Gjid24>; Ndgjid2388Ntiiqkgd2:)=;; Vj}qqkgd2:68=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!81)>;6Vj}qqkgdQtkqkolhoxqvd}hot}xd2!4)536Gjlajqo}{nddx#NQ+2!>>6Gjlajqo}{nddx#VQ+vd}hot}xd2 ~j}kdxHjgvtxCotxkle2]oog2!8)5;6 Moj}a2!8)>56Ade}ddxo}Juj}ax2Mjhcdio}x)Gjxqd}xHjidlaj}2Quoxdgdxqd}xDlq}{]dztk}dgdlqx2CkecXhcooiAkviogjo}dztk~jidlq0XJQo}JHQ0qdjhcd} }dhoggdlajqkolx) ckec xhcooi v}oe}jg on hoiidedv}dvj}jqo}{hot}xdx)J~d}jedXJQxho}d2:):88,JvvikhjqkolAdjaikldx2Ndm}tj}{:4QKQIDK^HOAD266=:63

Q{vdonKlxqkqtqkol2Kladvdladlq1[dj}Qoqji=663=66;Dl}oiigdlq2::3Gjid26 Ndgjid2::3NtiiQkgd2;8 Vj}qqkgd2=4=66;=6:6QtkqkoljlaGjlajqo}{Nddx2Ntiiqkgdqtkqkolvd}{dj}2!>)466 !3)366Vj}qqkgdhoxqvd}h}dakqcot}2 !:=6vd}h}dakqGjlajqo}{Nddx#NQ+2!454Gjlajqo}{Nddx#VQ+2!=46HjgvtxCotxkle/]oogjlaMoj}a2!4)466Ade}ddxo}Juj}ax2Mjhcdio}onJ}qxklBtajkhXqtakdx)Mjhcdio}onXhkdlhdklBdukxcDathjqkolHjidlaj}2[dj}iole)xogdxdgdxqd}jlaxtggd}qd}gxj~jkijmidDlq}{]dztk}dgdlqx2Ckecxhcooie}jatjqdo}EDA)dxxj{)dgvio{d}o}qdjhcd}}dnd}dlhd)XJQo}JHQ,JvvikhjqkolAdjaikldx2 N}dxcgjl Ndm}tj}{:4qcQ}jlxnd} ]oiikleJagkxxkolxKLXQKQTQKOLHOAD2G66168

=4
http:///reader/full/www.washcoll.edumailto:[email protected]:///reader/full/www.washcoll.edumailto:[email protected]


26/81

NOT][DJ]KLADVDLADLQHOIIDEDX.TLK^D]XKQKDX[dxck~jHoiided

onqcdLjqkolxHjvkqji

[dxck~jHoiidedkxjhoggtlkq{onxhcoij}xadakhjqdaqov}o~kaklej~keo}otxjla hogv}dcdlxk~d dathjqkol kl Hijxxkhji Bdukxc Xqtakdx, Txkle jht}}khtitgmjxdaolqcdE}djqMoo`xonHijxxkhjiBdukxcidj}lkle)xqtadlqxj}d dsvdhqda qo mdhogd v}onkhkdlq kl qcd ckxqo}khji jla klqdiidhqtjiad~diovgdlqonHijxxkhjiBdukxcIkqd}jqt}djlaxddkqjxjmjxkxno}Udxqd}lqcotecq,[dxck~jHoiidedonnd}xjMjhcdio}klQjigtakhIjuade}dd)uckhchogmkldx klqdlxk~d holhdlq}jqkol kl j gjbo} nkdia on xqta{ ukqc jhogv}dcdlxk~dho}dht}}khtitg klja~jlhdaCdm}duxqtakdx) klhitakleMkmikhjiikqd}jqt}d)Bdukxcvckioxovc{)jlaGkxclj,Qcdv}oe}jgholqjklxquogjbo}j}djxonholhdlq}jqkol,Jxqtadlqgj{gjbo}klHijxxkhjiQjigtao}Holqdgvo}j}{JvvikhjqkolonBdukxcIju,

:=:>J}hoijJ~dltd)Xki~d}Xv}kle)GA=6;6=86:4;8=481 / uuu,{dxck~j,dat

Q{vdonKlxqkqtqkol2Kladvdladlq1{dj}Njii=663QoqjiDl}oiigdlq218Gjid218 Ndgjid26Ntiiqkgd218 Vj}qqkgd26=66;=6:6QtkqkoljlaGjlajqo}{Nddx2NtiiqkgdQtkqkolvd}{dj}2!;)666Gjlajqo}{nddx2!866}dekxq}jqkolHjgvtxCotxkle2]oog2!8)=66 Moj}a2!1)666Ade}ddx

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=>
http:///reader/full/www.yeshiva.eduhttp:///reader/full/www.yeshiva.edu


27/81

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A Student Guide to Higher Education & Financial Aid in Maryland

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Transcript of A Student Guide to Higher Education & Financial Aid in Maryland