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Financial Aid Information/Application

Investing in Your Education

 

= Investing in Your Future

 

=Lifetime Satisfaction Education is one of the most important investments you can make for a successful future.

 

At the Academy of Hair Technology (AHT), we know this, and are dedicated to helping you receive the training you need to succeed in your chosen career path by working with your current financial situation.AHT knows that many students continue to work part-time or full-time jobs while they attain their career training, therefore, we offer convenient and flexible class schedulesWe also realize the most students want the best buy in terms of the dollars they spend on tuition.  At the Academy we offer quality programs at reasonable prices.  We are a Pivot Point (TM) School teaching the most complete curricula available anywhere.  We have the highest pass rate on the state board licensing exams in the state (100%).  We have the best student teacher ratio of any school in the area (assuring you of plenty of teacher contact from compassionate and well trained instructors).  All our training support material is available for you to review on line.  Our students have won more regional, national and international hair styling and cutting contests than those of any other school in our state.  And yet our tuition remains a bargain at thousands of dollars less than most of our competitors.

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AHT Student Financial Aid Options

Our friendly and helpful financial aid staff will help you determine what financial assistance you are eligible to receive, and will guide you through the process of applying. Our school ID is 017124

 

Types of Financial Aid Offered

 

Federal Pell Grant
Provides grant assistance to eligible undergraduate post-secondary students with demonstrated financial need to help meet education expenses. Federal Pell Grants do not have to be paid back. Award amount (if any) for each academic year will depend on student and program of training eligibility as set by the US Department of Education

 

.Federal Subsidized Stafford Loan
A low interest loan for eligible students. Repayment begins six months after the last day of attendance. The government pays all interest while the student is in school and during the six month grace period following school.

 

Federal Unsubsidized Stafford Loan
A low interest loan for independent students and dependent students. Interest accrues from the inception of the loan as the government does not pay (or subsidize) the interest on this loan. Repayment begins six months after the last date of attendance.

 

Federal Parent Loan for Undergraduate Students (PLUS)
A low interest credit-based loan for eligible parents who may borrow to help pay the cost of education for their dependent children.

 

Frequently Asked Student Financial Aid Questions
  1. What is financial aid?
  2. Financial aid is the name used for federal, state and private resources that may help pay for college costs. Typically financial aid consists of pell grants, scholarships, and loans. Grants and scholarships do not have to be repaid. Loans must be repaid with payments usually beginning after the student is no longer enrolled at least half time. Student employment consists of opportunities for students to earn money to pay for educational expenses. Financial Aid is available for those who qualify.
  3. How do I apply for financial aid?
  4. The Free Application for Federal Student Aid, more commonly known as the FAFSA, is the application needed to apply for student aid. The FAFSA can be completed online at www.fafsa.ed.gov. It helps to complete the FAFSA with a PIN (electronic signature) to expedite the process. A PIN can be obtained by visiting www.pin.ed.gov. If you are a dependent student for aid purposes, both you and your parent will require a PIN to sign the application electronically.
  5. Why do I have to provide parent information on my FAFSA?
  6. Students are considered dependent or independent for financial aid purposes based on criteria established by Congress. For example, students who are under the age of 24, single, have no dependents and are not veterans are typically considered dependent for financial aid purposes. Dependent students are required to have parents provide financial information in order to determine eligibility for the various federal aid programs. Check with the financial aid office to determine your dependency status if you are unsure.
  7. How often do I have to reapply for aid?
  8. Students must reapply for federal and state aid, if applicable, each year. Typically, students should reapply for aid as soon as possible filing taxes or by April 15th, of each year; however, check with your financial aid office to determine when you should reapply.
  9. What’s the difference between a grant and a loan?
  10. A grant is money that does not have to be repaid. Loans must always be repaid regardless of whether you complete the program or are unsatisfied with your educational experience. Failure to repay your loans can result in serious consequences that will negatively impact your ability to obtain credit and possibly employment in the future.
  11. How do I apply for a student/parent loan?

First time Direct Loan borrowers will need to complete both entrance counseling and a Master Promissory Note through www.studentloans.gov before any loan funds will be disbursed to CCI. You will be required to use your Department of Education issued PIN. A parent borrower must also request a PIN number from the PIN site to use when completing a PLUS mpn.

Entrance Counseling

Except for parent Direct PLUS loan borrowers, if you haven’t previously received a loan, you must complete entrance counseling. This will help you to understand your rights and responsibilities. It also explains interest rates and the different types of loans available.

Master Promissory Note

The Master Promissory Note (MPN) is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan. In most cases, once you’ve submitted the MPN and it has been accepted, you won’t have to fill out a new MPN for future loans you received. You can borrow additional Direct Loans on a single MPN for up to 10 years. The entire MPN process generally takes 30 minutes to complete and must be completed in a single session.

Parent PLUS Loans

When you apply for a Direct PLUS loan, CCI will require the completion of a Parent Plus Preapproval Application to check your credit history. To be eligible to receive a PLUS loan, you must not have adverse credit history. You may still be eligible to receive a Direct PLUS loan if you obtain an endorser who does not have adverse credit history. An endorser is someone who agrees to repay the Direct PLUS loan if you do not repay the loan. The endorser cannot be the student on whose behalf a parent is obtaining the loan.

  1. When do I have to repay my loans?
  2. Check with the financial aid office, they can help explain the differences in the types of loans you have. In all cases, loans must be repaid regardless of whether you complete the program or are satisfied with your educational experience. Failure to repay your loans can result in serious consequences and negatively impact your ability to obtain credit in the future.

 

 

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