University of Mississippi
Office of International Programs
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Financial Matters

Teaching FinanceThe choice to study or work abroad is not only an academic or career decision, but also a financial one. Students, scholars and their families need to be aware of the various costs, financial requirements and responsibilities at the University of Mississippi and in the U.S.

Below you will find information on a broad range of financial topics, from cost of study at UM and financial aid options to tax information, Social Security and banking.

Costs of Study and Proof of Finances

The following details UM tuition and total estimated costs of attendance. Note that proof of financial resources will need to be shown before UM can issue visa documents. Expand the options below for more information about the various costs and proof of financial support required for UM study.

Estimated Costs of Attendance

    The following charts are based on full-time (12 hours U/G, 9 hours Grad, 10 hours Law, 9 hours MBA) enrollment for the 2013-14 academic year.

    Estimated Cost of Attendance for International Students (Undergraduate & Graduate) 2013 - 2014

    Items Fall Semester Spring Semester Summer Total
    Base Tuition Fee
    $3,330.00
    $3,330.00
    *
    $6,660.00
    Non-resident Tuition
    $5,484.00
    $5,484.00
    *
    $10,968.00
    Other Miscellaneous Service/Health Fees
    $135.00
    $50.00
     
    $185.00
    International Student Service Charge
    $100.00
    $100.00
    *
    $200.00
    Housing
    $3,925.00
    $3,925.00
    $1,150.00
    $9,000.00
    Meals
    $2,100.00
    $2,100.00
    $1,000.00
    $5,200.00
    Books
    $600.00
    $600.00
    *
    $1,200.00
    Health Insurance
    $628.00
    $879.00
    -
    $1,507.00
    Yearly Total (in USD$)
    $16,302.00
    $16,468.00
    $2,150.00
    $34,920.00

    *Does not include summer school tuition or inter session charges, since students are not required to attend summer sessions or inter sessions.

    The estimated costs of undergraduate study are based on minimum expenditures and present fees for 9 months of study and 12 months of living expenses of housing, meals, health insurance costs. Estimates do not include summer tuition or summer fees or inter session terms. Estimates do not include clothing, travel, entertainment, holidays or miscellaneous expenditures. Fees are subject to change at any time.

    If a student wishes to attend classes during the summer sessions and intersession terms, additional funds will be required.

    Arrangements should be made to have funds available at the time of registration for each semester or inter session. Undergraduate students need approximately $16,302.00 for their first semester of enrollment. All fees are due upon receipt of the students Bursar Bill. Any balance remaining after this time will be assessed a monthly finance charge of 1.5% of the balance. Registration for future semesters will be prohibited until the balance is paid in full.


    Estimated Cost of Attendance for MBA (Masters in Business Administration) Program 2013 - 2014

    Items Fall Semester Spring Semester Summer Session Total
    Base Tuition
    $4,231.00
    $4,231.00
    $3,175.00
    $11,637.00
    Non-resident Tuition
    $6,156.00
    $6,156.00
    $4,617.00
    $16,929.00
    Other Miscellaneous Service/Health Fees
    $135.00
    $50.00
     
    $185.00
    International Student Service Charge
    $100.00
    $100.00
    $60.00
    $260.00
    Housing (Double-Occupancy Dorm Room)
    $3,925.00
    $3,925.00
    $1,150.00
    $9,000.00
    Meals
    $2,100.00
    $2,100.00
    $1,000.00
    $5,200.00
    Books
    $600.00
    $600.00
    $200.00
    $1,400.00
    Health Insurance
    $628.00
    $879.00
    $1,507.00
    Laptop (Required in MBA)
    $1,500.00
    -
    -
    $1,500.00
    Yearly Total (in USD$)
    $19,375.00
    $18,041.00
    $10,202.00
    $47,618.00

    The estimated costs of the Masters in Business Administration (MBA) Program are based on minimum expenditures and present fees for 12 months of study and housing, meals, and health insurance costs. Estimates do not include clothing, travel, entertainment, holidays or miscellaneous expenditures. Fees are subject to change at any time.

Proof of Financial Support

    Affidavit of Financial Support

    The Department of Homeland Security U.S. Citizenship and Immigration Services requires that students verify their ability to meet the costs of the first year of study before the University of Mississippi can issue an F-1 SEVIS I-20 or J-1 SEVIS DS-2019.

    To verify students’ financial resources, the Office of International Programs requires students to complete the Affidavit of Financial Support (AFS) form, which can be found in the Admissions Forms section of OIP Forms page. The purpose of the AFS is to help the University of Mississippi obtain complete and accurate information about the funds available to international applicants who wish to study at the university. The AFS may be submitted as part of the application for admission requirements or after a decision on admission has been made.

    In general, undergraduate and graduate students are required to show funds of at least $34,920; graduate MBA students must show $47,618; and Law Students (J.D. Program) must show $46,580.

    Please visit the Intensive English Program website for the estimated cost of attendance of various programs offered by the department.

    Students who are sponsored in full by their governments, academic institutions, foundations or other sponsoring agencies must submit a letter issued by the sponsoring agency, on its official letterhead, confirming the amount and duration of their sponsorship.  It is recommended that such sponsorship confirmation letters are submitted along with the other items of the admissions application.

    Students who are sponsored in part by their governments, academic institutions, foundations or other sponsoring agencies must submit both the sponsorship letter as well as the Affidavit of Financial Support.

    Students must have a plan to support themselves during their entire length of study.

    On-campus student employment is not guaranteed and should not be seen as a significant means of support while at the University. Thus, with the exception of Teaching Assistantships and Graduate Assistantships, regular student worker positions and income cannot be used as a basis of financial support on the Affidavit of Financial Support Form.

    Admission has been based on a report of sufficient financial funds indicated on your financial affidavit. It is very important to bring sufficient funds for temporary living expenses (i.e., housing and food) and payment of University fees after registration. Students who arrive without sufficient funds will not be permitted to continue their studies. Do not expect financial aid from the University unless you have been notified in writing before you leave your home country.

Scholarships and Financial Aid

The University of Mississippi offers several scholarships to undergraduate students and assistantships to graduate students who are able to meet high standards of academic excellence. All students must be admitted in order to be considered for scholarships. Some departmental and professional school awards and externally funded scholarship are not included in this listing. Scholarship eligibility, criteria, and amounts may change at any time without prior notice.

Undergraduate Financial Aid Options

    Information on Scholarships for International Undergraduate Students (New starting Fall 2012)

    International students who are admitted to the university as degree-seeking undergraduate students, and who will hold a temporary visa/status in the USA may be considered for various international student scholarships. Scholarships are partial and limited, and thus competitive. They are generally offered on the basis of a student's academic merit, compelling aspirations and promise of success at the university.

    Scholarships are generally offered for enrollment during the fall term, are non-deferrable and non-transferrable, and are renewable for up to three academic years after the academic year during which the scholarship is first awarded (total of 4 academic years) towards a first bachelor's degree only, provided academic progression and grade requirements are met, and lawful presence in the USA is maintained.

    Scholarships are generally credited towards non-resident fees and resident tuition fees. They may be combined with other scholarships, but may not exceed the full non-resident fee or resident tuition.

    Permanent Residents of the USA who are FAFSA-eligible may not qualify for the scholarships listed below.

    For International Freshman Students Only

    $15,968 Academic Excellence Award for International Students – per academic year
    • High School cumulative grade point average of 3.90 or higher on a 4.00-scale;
    • Be an international student and attend/have attended a high school/secondary school abroad;
    • Have graduated from a high school/secondary school abroad prior to enrolling at UM1;
    • English language proficiency scores of 79 TOEFL-IBT, 6.00 IELTS, 53 PTE-A, B grade on UM's Intensive English Program's Advanced Plus Course, or qualify for a waiver of the English proficiency test requirement;
    • Approved application for admission;
    • Admitted to a University of Mississippi undergraduate degree program on a temporary visa/status in the USA;
    • Scholarship Application not required.


    $9,000 Academic Excellence Award for International Students – per academic year
    • High School cumulative grade point average between 3.75 and 3.89 on a 4.00-scale;
    • Be an international student and attend/have attended a high school/secondary school abroad;
    • Have graduated from a high school/secondary school abroad prior to enrolling at UM2;
    • English language proficiency scores of 79 TOEFL-IBT, 6.00 IELTS, 53 PTE-A, B grade on UM's Intensive English Program's Advanced Plus Course, or qualify for a waiver of the English proficiency test requirement;
    • Approved application for admission;
    • Admitted to a University of Mississippi undergraduate degree program as a degree-seeking student on a temporary visa/status in the USA;
    • Scholarship Application not required.

    $6,000 Academic Excellence Award for International Students – per academic year
    • High School cumulative grade point average between 3.50 and 3.74 on a 4.00-scale;
    • Be an international student and attend/have attended a high school/secondary school abroad;
    • Have graduated from a high school/secondary school abroad prior to enrolling at UM3;
    • English language proficiency scores of 79 TOEFL-IBT, 6.00 IELTS, 53 PTE-A, B grade on UM's Intensive English Program's Advanced Plus Course, or qualify for a waiver of the English proficiency test requirement;
    • Approved application for admission;
    • Admitted to a University of Mississippi undergraduate degree program as a degree-seeking student on a temporary visa/status in the USA;
    • Scholarship Application not required.


    $3,250 Academic Excellence Award for International Students – per academic year
    • High School cumulative grade point average between 3.50 and 3.74 on a 4.00-scale;
    • Be an international student and attend/have attended a high school/secondary school abroad;
    • Have graduated from a high school/secondary school abroad prior to enrolling at UM4;
    • English language proficiency scores of 79 TOEFL-IBT, 6.00 IELTS, 53 PTE-A, B grade on UM's Intensive English Program's Advanced Plus Course, or qualify for a waiver of the English proficiency test requirement;
    • Approved application for admission;
    • Admitted to a University of Mississippi undergraduate degree program as a degree-seeking student on a temporary visa/status in the USA.
    • Scholarship Application not required;
    • Renewable for a total of 4 academic years provided the student maintains a minimum grade point average of 3.00 on UM's 4.00 scale on at least 12 credits each term and lawful presence in the USA is maintained.


    $3,000 International Undergraduate Student Scholarship for Freshman Students – per academic year
    • High School cumulative grade point average between 3.00 and 3.24 on a 4.00-scale;
    • Be an international student and attend/have attended a high school/secondary school abroad;
    • Have graduated from a high school/secondary school abroad prior to enrolling at UM5;
    • English language proficiency scores of 79 TOEFL-IBT, 6.00 IELTS, 53 PTE-A, B grade on UM's Intensive English Program's Advanced Plus Course, or qualify for a waiver of the English proficiency test requirement;
    • Approved application for admission;
    • Admitted to a University of Mississippi undergraduate degree program as a degree-seeking student on a temporary visa/status in the USA;
    • Competitive Award. International Undergraduate Student Scholarship Application is required!
    • Scholarship Application deadline is March 1 for Fall enrollment an September 15 for Spring enrollment.
    • International Undergraduate Student Scholarships are non-deferrable and valid only with enrollment in the start-term for which it was awarded. Such scholarships are credited towards non-resident fees and may be combined with other Non-Resident Fee Scholarships, not exceeding the full non-resident fees.
    • Renewable for a total of 4 academic years provided the student maintains a minimum grade point average of 3.00 on UM's 4.00 scale on at least 12 credits each term, lawful presence in the USA is maintained and volunteerism and engagement in campus life are demonstrated.


    For International Transfer Students Only
    Up To max $10,968 International Undergraduate Student Scholarship for Transfer Students – per academic year
    • Cumulative U.S. equivalent grade point average on all higher education courses completed must be 3.00 or higher on a 4.00-scale;
    • English language proficiency scores of 79 TOEFL-IBT, 6.00 IELTS, 53 PTE-A, B grade on UM's Intensive English Program's Advanced Plus Course, or qualify for a waiver of the English proficiency test requirement;
    • Approved application for admission;
    • Admitted to a University of Mississippi undergraduate degree program as a transferring degree-seeking student on a temporary visa/status in the USA;
    • Competitive Award. International Undergraduate Student Scholarship Application is required!
    • Scholarship Application deadline is March 1 for Fall enrollment an September 15 for Spring enrollment.
    • International Undergraduate Student Scholarships are non-deferrable and valid only with enrollment in the start-term for which it was awarded. Such scholarships are credited towards non-resident fees and may be combined with other Non-Resident Fee Scholarships, not exceeding the full non-resident fees.
    • Renewable for a total of 4 academic years provided the student maintains a minimum grade point average of 3.00 on UM's 4.00 scale on at least 12 credits each term, lawful presence in the USA is maintained and volunteerism and engagement in campus life are demonstrated.


    For Enrolled International Students at the University of Mississippi Only
    $1,000 International Undergraduate Student Scholarship – per academic year

    In recognition of excellence at the University of Mississippi
    • Cumulative grade point average on all courses attempted of 3.75 or higher on UM's 4.00-scale;
    • Completion of at least 60 course credits, not including Intensive English Program (IEP) courses other than IE100, at the University of Mississippi's main Oxford campus;
    • Have been consecutively enrolled at the University of Mississippi in an undergraduate degree program;
    • Essay;
    • Submission of University of Mississippi transcripts;
    • Competitive Award. International Undergraduate Student Scholarship Application is required!
    • Scholarship Application deadline is June 1. Scholarships are awarded in Summer prior to a Fall term only.
    • International Undergraduate Student Scholarships for Enrolled International Students in Recognition of their Excellence at the University of Mississippi are credited towards resident tuition fees and may be combined with other scholarships, but may not exceed the full resident tuition.
    • Renewable for a total of 2 academic years provided the student maintains a minimum grade point average of 3.75 on UM's 4.00 scale on at least 15 credits each term, lawful presence in the USA is maintained and volunteerism and engagement in campus life are demonstrated.

    The International Undergraduate Student Scholarship application is available on the OIP Forms page in the Admissions Forms section.

    1International students who graduate from high schools in the U.S.A. are subject to different admission and scholarship requirements!

    2International students who graduate from high schools in the U.S.A. are subject to different admission and scholarship requirements! 

    3International students who graduate from high schools in the U.S.A. are subject to different admission and scholarship requirements! 

    4International students who graduate from high schools in the U.S.A. are subject to different admission and scholarship requirements! 

    5International students who graduate from high schools in the U.S.A. are subject to different admission and scholarship requirements! 

     

Graduate Financial Aid

    Graduate Assistantships

    Graduate Assistantships that require part-time teaching, laboratory assistance, research, or other assistance are available in a number of fields. These assistantships may be funded by external grants and contracts. Certain academic departments offer graduate instructorships, which involves direct responsibility for teaching one or more courses.

    Stipends for graduate assistantships/instructorships vary, depending on the level of the graduate student, the service to be rendered, and the time commitment (typically ¼ or ½ time appointments are made). Academic excellence, maturity, and teaching or research experience are the main qualifications considered in the appointment of assistants/instructors.

    Application for a graduate assistantship/instructorship should be made directly to the academic department in which the applicant will pursue a degree.

    Tuition Scholarships and Non-Resident Fee Scholarships

    In addition to the stipend, graduate assistants/instructors are eligible to receive a partial tuition scholarship during the fall and spring semesters (75 percent of tuition for  appointments paying at least $1,800 per semester and 100 percent of tuition for a appointments paying at least $3,600 per semester) and receive a full non-resident fee scholarship.

    Summer Graduate Research Assistantship Program

    Summer Graduate Research Assistantships provide assistance for master's and doctoral students during the summer (minimum of 10 weeks of research). The goal is to provide funds to enable promising graduate students to remain on task and on-campus in their pursuit of a degree. To be eligible the student must be a full-time, full-standing doctoral student at any stage and in any discipline. Preference will be given to doctoral students who have completed their prospectus. A limited number of assistantships will also be reserved for master's (thesis option) track students.

    Honors Fellowships

    The Graduate School awards non-service fellowships to incoming students of superior academic accomplishment. Recipients of a graduate fellowship must also receive a departmental assistantships/instructorship. Contact the Graduate School for more information.

    Underrepresented Minority Fellowship Program

    The Graduate School administers a fellowship program available to persons who are members of minority groups that have historically been underrepresented in various graduate education programs. To receive the fellowship a student must be admitted into a degree program, must be enrolled on the Oxford campus for at least nine hours of graduate work each semester, must be nominated by the academic department, and must not be a full-time employee. The tuition scholarship and nonresident fee scholarship are also available to graduate students who are part-time and who are enrolled at one of our off-campus centers.

    Dissertation Fellowship Program

    This non-service award is designed to assist doctoral students who are in the final stages of the dissertation process. The intent is to provide financial assistance to relieve candidates of service-type responsibilities (teaching, research and/or other related obligations to the University), thereby enabling them to focus on their research analysis and writing. The standard term for Dissertation Fellowships is one semester. Full-time enrollment is required. Any student nominated must be in candidacy and must have a copy of his or her prospectus on file at the Graduate School. Students are nominated by a letter of support from the department chair or graduate program coordinator. The Graduate School also administers Holloway Dissertation Fellowships in the Humanities, which is a fellowship program funded by J. L. and Diane Holloway.

    Travel Grants For Graduate Presentations

    The Graduate Student Travel Award program makes available limited support for a graduate student who is first author on a research presentation and/or recognized through an award for original research/scholarship.

    1. The travel award will provide funds for presentations at regional and national meetings per academic year. Local/state meetings generally are not eligible for support.
    To apply for the Graduate Student Travel Award:
    Print and complete a Travel Award Form OR
    Pick up a form from the Senior Administrative Secretary in the Graduate School at least ten days prior to date of trip.

    If you are requesting a travel advance or require prepaid registration, you must also submit a Travel Authorization Form which can be obtained from your department. In order to obtain this award, a Travel Reimbursement Form (found on Procurement's website under the forms section) should be submitted to all sponsoring parties (including the Graduate School) as soon as possible after returning from the trip.

    Due to limited funding, only one award per academic year may be granted to an individual. All applications require the signature of the Department Chair or Graduate Program Coordinator before evaluation and approval by the Graduate School and must be submitted at least ten days prior to the date of the trip.

Banking and Finances

This section provides information on a variety of financial matters, including currency exchanges, UM payment, U.S. bank accounts, Social Security requirements and Social Security Numbers, Tax Payer Identification Numbers, and debit and credit cards.

Foreign Currency Exchange - Memphis International Airport

    The Memphis International Airport provides a variety of financial and other services to international travelers including foreign currency exchange. The airport has two locations that provide foreign currency exchange services. Their locations, hours of operation, and brief description of services are as follows:

    • International Travel Insurance and Business Service Center provides a variety of services to business travelers; the center is Located in Ticket Lobby “B”. Open daily from 7 am to 8:30 pm.

    • An additional location is offered in Concourse “B: near the International Arrivals/Departures area at Gate B-43. This Booth has services limited to International Travel Insurance and Business Service Center Foreign Currency Exchange, Travel Insurance and Travelers Check Sales. The Booth hours are 6 pm to 8 pm daily.

    • Foreign Paper Currency Exchange at International Business Services/Travelex is available for most countries except those that are currently restricted. Currency for the following countries is usually available without advance notice: Australia, Austria, Belgium, Canada, Denmark, France, Germany, Greece, Holland, Hong Kong (availability varies), Italy, Japan, Mexico, Norway, Spain, Sweden, Switzerland, and United Kingdom. Other currencies may be available but require 2-day advance notice. You are encouraged to browse the Memphis International Airport web site at for more information.

Bringing Money to Oxford

    • Bank Draft
    • You might choose to bring a bank draft to deposit into a local bank, which would allow you to write a check after opening a bank account. However, please remember that it may take two or three weeks before your money would be available. If you choose this option, you will need to have another way to pay your tuition and University fees (due in late August), and enough money for living expenses until the money from your bank draft becomes available.

    • Travelers Cheques vs. Cash
    • It is inadvisable to carry around a large amount of cash. You might choose to carry travelers’ cheques as a safer alternative to cash.

Paying University Tuition and Fees

    • Bank Draft to “University of Mississippi”
    • One method to pay initial tuition and required fees would be to have a bank draft made out to the University of Mississippi for the appropriate amount. If you will be living on campus you should include tuition, insurance, University fees, and residence hall cost. Any amount owed you from a deposit to the University will be returned to you after fees have been paid. Please note that if you choose this option, the University will wait until the bank draft has cleared (often a number of weeks) before any money will be returned to you.

    • Travelers Cheques vs. Cash
    • You may pay your tuition and University fees with traveler’s cheques in U.S. dollars. Once again, we advise you not to travel or carry large amounts of cash.

    • Credit Card
    • Another option is to bring a credit card, e.g., MasterCard or Visa to pay your tuition and other required fees to the University. This is probably the safest method since you do not have to carry large amounts of cash with you.

    • Payment of Tuition and Fees
    • Payment for tuition and fees are due after registration. The Office of the Bursar shall charge a monthly service fee of 1.5% on any unpaid balance. This charge shall appear on the monthly statement issued to each student with an outstanding account balance. Payments may be made during the semester; however, to avoid holds on future registration, tuition and fees must be paid in full at the time of registration. Additionally, other charges cannot be more than 30 days old. Please direct questions or concerns regarding tuition and fee payment to:

      http://www.olemiss.edu/depts/bursar/

Bank Accounts

    Banks are a safe and convenient place to keep money.  It is not wise to carry large sums of money with you, nor should you send cash through the mail.  For payments that need to be sent by mail or courier, use money orders that are pur­chased at the bank or the post office, or send personal checks or cashier's checks, also purchased at banks. 

    Banks sell Traveler's Checks.  These checks provide a safe way to carry money with the convenience of cash.  When the checks are purchased, their numbers are recorded by the bank and you, the purchaser.  In case they are lost, any bank handling that specific traveler's check can replace them if you present a record of their series number.

    Checking accounts are designed to allow you to write checks on money you have deposited in your checking account.  There is usually a small fee when you order a book of checks.  It is advisable to pay all bills by check which will provide you with proof of payment.  It is very important to never write a check when the amount is not in your account.  Writing a check for more than is available in your checking account is called writing a "HOT CHECK" or “BOUNCING A CHECK” and has serious legal conse­quences.

    Savings accounts are used to keep large sums of money that are not needed on a daily basis.  This money draws interest while it is kept in savings.

    Combination savings and checking accounts are another choice.  One may write checks on a savings account that is drawing interest daily.

    How To Set Up A Bank Account
    In general, to set up a checking or savings account with a bank in the United States, an international student, faculty/staff member, or scholar must have a Social Security Number (SSN) or Individual Tax Identification Number (ITIN).

    It is legally possible to establish a non-interest bearing checking account while waiting for the approval of a Social Security Number or ITIN application, but many banks have policies that prevent them from establishing such accounts.

    In Oxford, there are at least three banks that allow international students to set up checking accounts before the approval of a Social Security Number or ITIN, though there are some restrictions to the account.  The banks' main office information and documentation requirements are listed below:

    First National Bank of Oxford           
    Main Office                                            
    101 Courthouse Square                          
    Oxford, MS 38655                                 
    662 234-2832                                        
    www.fnboxford.com                               

    Woodforest Bank (inside Wal-Mart)
    Oxford Branch
    2530 Jackson Avenue West
    Oxford, MS  38655
    662-236-3531
    www.woodforest.com

    Community Trust Bank
    1312 University Ave
    Oxford, MS 38655
    662-513-2380
    Ctbonline.com

    Documentation required to open a checking account at most banks:

    • Valid passport or driver's licence
    • US Citizenship and Immigration Services documentation (I-20, DS-2019, H-1B or O-1 I-797 Approval Notice, TN I-94 Card, Employment Authorization Card, Green Card, etc.)
    • School ID
    • Physical address (Apartment, home, or residence hall address)
    • Mailing Address (P.O. Box or street address where you can receive mail)
    • Phone Number
    • Email Address

Social Security Number

    Social Security numbers are issued by the United States Social Security Administration.  A Social Security number is required to get a job, collect Social Security benefits and receive some other government services.  On October 13, 2004 Social Security placed restrictions on the issuance of Social Security Numbers to non-citizens of the United States. As such in order to be eligible for a social security card you must either be an F-1 student with a job or job offer, or a J-1 student with a letter of support from your J-Program Advisor. If you are not sure if you qualify for a Social Security Number you may meet with the student adviser in The Office of International Programs. According to Social Security Administration you may work while the Social Security number application is being processed

    Required Documents for obtaining a Social Security Number

    • Passport page, plus a photocopy of the passport page
    • Visa page, plus a photocopy of the Visa
    • I-94 Card, plus a photocopy of the I-94 Card
    • I-20, DS-2019, or other Immigration Document, plus a photocopy of the document
    • J-1s and J-2 Dependents must have a letter of support from their J-Program Advisor
    • J-2 Dependents must have a valid Employment Authorization Card before they can apply
    • H-1Bs, TNs, and O-1s do not require a letter from International Programs

    Location and Dates for Social Security Number Registration

    Social Security registration takes place at any Social Security Administrative (SSA) office. Oxford does not currently have an SSA office. You can apply for an SSN at the regional office of the SSA in Tupelo, Mississippi. The Tupelo SSA office is open Mondays, Tuesdays, Thursdays, and Fridays from 9:00am-3:00pm. and on Wednesdays from 9:00am – 12 noon. SSA is closed for federal holidays.

    The Tupelo office can answer any questions you may have about your SSN Application.

    Social Security Administration
    199 Saddle Creek Drive
    Tupelo, MS 38801
    Phone: 866 504-4267         
    www.ssa.gov

    OIP offers occassional shuttles to the Tupelo office for international students and scholars who need to apply for Social Security. For more information about our courtesy shuttle service, please contact us at 662-915-7404 or ipdept@olemiss.edu.

Tax Payer Identification Number (ITIN)

    Generally, all F-1 an J-1 visa holders and their dependents are required to file tax forms each year, whether or not they earned any income.  When completing the tax forms, you are required to indicate your U.S. social security number. However, many individuals who hold other non-immigrant statuses are not eligible for Social Security Numbers, since the issuance of Social Security Numbers is tied to eligibility for employment authorization.
    Therefore, the Internal Revenue Service (IRS) has created the Individual Taxpayer Identification Number (ITIN) to be used by the limited number of non-U.S. citizen individuals who are not eligible for a Social Security Number, but who have tax responsibilities. An ITIN is a nine-digit number that always begins with a 9 and has a 7 or 8 for the fourth digit; example: 9xx-7x-xxxx
    The ITIN is for tax purposes only. It cannot be issued for other purposes, such as applying for a driver's license or state ID card.
    You as the applicant must have a valid tax purpose for obtaining an ITIN; otherwise, the IRS cannot accept your application. Examples include:

    • An F-1 student receiving a non-compensatory scholarship or fellowship grant who shows written proof that his or her application was rejected by the Social Security, or has a letter from the designated school official stating that he/she will not be securing employment while in the United States. In most cases on our campus this would apply to student athletes who have scholarships that pay for room and board.  The University of Mississippi does not allow scholarship's taxable amount to be posted to a student's account until an ITIN or Social Security Number has been obtained.
    • An individual not eligible for a social security number but required to file a tax return to claim a refund of tax under the provisions of a U.S. tax treaty
    • An individual not eligible for a social security number but who is the dependent child or spouse of a non-resident visa holder from Canada, Mexico, India, or Republic of Korea (these are the only countries that permit non-residents for tax purposes to claim spouses or children as dependents on their tax returns, based on the terms of the tax treaty with the United States.)
    • An individual not eligible for a social security number who is a dependent or spouse of an individual who is a resident for tax purposes (once an F-1 student has been in that non-immigrant status for more than five years, that student becomes a resident for tax purposes and can claim their spouse and/or children as dependents on their U.S. tax return).
    • An individual not eligible for a social security number but who has opened an account with a financial institution that generates income subject to either reporting or withholding

    To apply for an ITIN, obtain form W-7 from the IRS
    For individuals seeking an ITIN in order to file an income tax return, the W-7 must be filed along with the income tax return.
    Student athletes seeking an ITIN in order to meet reporting or withholding requirements of The University of Mississippi will be advised by the student advisor at The Office of International Programs. If you are eligible to file for ITIN it takes four to six weeks to receive an ITIN decision.
    Staff at the Office of International Programs are neither qualified nor permitted to give individual tax advice. Tax information is available only at tax workshops scheduled during the academic year.

Debit and Credit Cards

    Credit Cards

    A credit card is a small plastic issued to users as a system of payment. It allows its holder to buy goods and services based on the holder's promise to pay for these goods and services. The issuer of the card grants a line of credit to the user from which the user can borrow money for payment to a merchant or as a cash advance to the user. Most credit cards are issued by banks or credit unions.

    Many credit card lenders do not approve many International student credit card applications, because of the lack of credit history. A credit history means that you have purchased things in the past using some from of credit line; credit card issuers want to see if you have kept your promise to pay other credit card issuers for the items you purchased using their lines of credit.

    When international students are new to the U.S. their credit histories are virtually non-existent so very few credit card companies approve credit card applications for international students. Students who desire credit cards can only apply to several companies to see what will happen. The approval rate for international students may be better when they apply for credit cards with companies that issue credit cards to U.S. college students. The OIP is not positioned to counsel students concerning credit card applications. Students should remember that most things that can be purchased by credit cards can also be purchased by debit cards which are easier to obtain.

     

    Debit Cards

    A Debit card is a plastic card that provides an alternative payment method to cash when making purchases. Functionally, it can be called an electronic check, as the funds are withdrawn directly from either the bank account or from the remaining balance on the card.

    Like credit cards, debit cards are used widely for telephone and Internet purchases and, unlike credit cards, the funds are transferred immediately from the bearer's bank account instead of having the bearer pay back the money at a later date.

    Debit cards may also allow for instant withdrawal of cash, acting as the ATM card for withdrawing cash.
    You may request a debit card from your financial institution when you open your checking or savings account, or for a small fee you may purchase a debit card (also called a pre-paid card) in a store such as Wal-Mart. Your debit card/prepaid card will only be valued at the amount of cash money you have in your bank account, or surrendered to the merchant at the time of purchase.

Tax Information

In general, international students and scholars in nonimmigrant visa classifications must pay city, state and federal taxes if employed at the University of Mississippi. However, in certain instances you may be exempted because of tax treaties between the US and your home country, or if your employment can be considered a fellowship, as defined by theU.S. Internal Revenue Service (IRS). Filing federal income tax forms is the personal responsibility of each international student and scholar. This page is provided as an informational guide to help you meet your tax filing obligations. Please be aware that you are ultimately responsible for the accuracy of the information you provide on your income tax returns.

Federal Tax Resources

The IRS website provides information pertinent to international students, trainees, scholars, teachers, researchers, exchange visitors, and cultural exchange visitors. These categories are subject to special taxation rules with respect to their income. See below for additional resources.

NAFSA Tax Resources

    NAFSA provides a guide designed to offer general guidelines for federal income tax obligations for international employees. Topics covered include:

  • What is Considered Income
  • What is a Tax Return
  • Who Must File a Tax Return
  • What is a "Non-Resident" Alien
  • Determining Tax Residency
  • Where to Get Help Locally
  • Additional Internet Resources
  • Please find the link to the brochure at:

    http://nafsa.org/_/Document/_/federal_tax_information.pdf

International Student Taxes- Paid Tax Filing Service

    GLACIER Tax Prep is another self help program to assist international students and scholars in completing tax forms. The services are offered through Arctic International LLC, and the cost for services are listed on the site. Before logging into GLACIER Tax Prep, make sure you have the following documents:

  • Form W-2
  • Passport
  • Copy of last year's non-resident tax return, if you filed a return

Internal Revenue Service– Official Federal Tax Website

    You may also wish to visit the official Internal Revenue Service website http://www.irs.gov. The Internal Revenue Service site also offers links to other tax preparation sites. All federal forms, including Form 8843, are available on the IRS site.

    Form 8843

    Every student, scholar, researcher and dependent child or spouse is required to file this form even if no income was earned. This form may be found at http://www.irs.gov. Simply type 8843 into the search mechanism and you will be linked to the form.

    Please keep in mind that all tax forms are required to be filed by April 15th. Failure to do so may result in penalties. It is highly suggested that photocopies of all tax forms be kept, and all documents should be sent by certified mail with return receipt requested.

    Federal Taxes Mailing Address

    Mail forms 1040NR-EZ, 1040NR and 8843 to:
    Internal Revenue Service Center Austin, TX 73301-0215

Mississippi State Tax Resources

General Information and Links

    The Official Mississippi Tax Commission Site is: http://www.mstc.state.ms.us/

    Individual Income Tax Forms for income earned in 2011 can be found here: http://www.dor.ms.gov/downloadforms/main.html. This page has all Mississippi state tax forms which may be downloaded. You may also submit state tax questions by using the link at the bottom of the page.

    In general, international students and scholars who resided in Mississippi from January 1 through December 31 of the previous year are residents for tax-purposes and should fill out tax form 80-105 or 80-110.

    Students or scholars who lived in Mississippi for LESS than 12 months during the previous year are considered non-residents for tax-purposes and should fill out tax form 80-205.

  • Instructions for filling out forms: http://www.dor.ms.gov/docs/indiv_8010011i.pdf
  • *If you must file state tax forms from a state other than Mississippi, please visit that states website. Most sites may be accessed at www. (state's name) .gov.

    Electronic filing of your tax return and choosing direct deposit may speed up your refund by 8 weeks.

    Please keep in mind that all tax forms are required to be filed by April 15th. Failure to do so may result in penalties. It is highly suggested that photocopies of all tax forms be kept, and all documents should be sent by certified mail with return receipt requested.