Financial Aid

Grant money typically does not need to be repaid.  The Federal Pell Grant is based on financial need and the number of clock hours of enrollment. The Federal Pell Grant is available for the  cosmetology and esthetics programs.  For more information on Grants, click HERE.

These are loans and must be repaid.  Direct Loans are available for the cosmetology and esthetics programs.  All Direct Loans have a fixed interest rate and an origination fee which vary annually and are based on the the first disbursement occurs.  Current interest rates and origination fees available on request or at student aid.gov.  If you already have an existing student loan, borrowing a new loan will not affect the rate or terms of your previous loan(s).  For more information about Direct Loans, click HERE.

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Direct Loans require a Master Promissory Note (MPN).  Click HERE to complete the student MPN.  Click HERE to complete the parent MPN.

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Subsidized Direct Loans - These loans are based on financial need; therefore, some students may not qualify.  Interest is paid by the government while the student is in school.  There is a limit on subsidized loan eligibility based on the length of your program and subsidized loans already disbursed from other schools.

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Unsubsidized Direct Loans - Interest will accrue as soon as the loan is disbursed and can be paid by the borrower while in school and during the grace period.  No repayment is required as long as the student is enrolled in college at least half time.

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Federal Parent Loan for Undergraduate Students (Federal PLUS) - The Federal PLUS program is for parents of dependent students.  It is a loan in which family income is not taken into consideration; therefore, the program is open to almost any parent who has good credit.  The parent can borrow up to the cost of the college education, less student aid.  We recommend students first utilize all eligibility for grants and the Federal Direct Loans before receiving a Federal PLUS loan.  Funds are taken in multiple disbursements, with any excess amounts refunded to the parent after tuition and fees have been paid.  A student who's parent is declined for a PLUS loan may be eligible for additional unsubsidized loans. 

Scholarships are gifts. They don't need to be repaid. There are thousands of them, offered by schools, employers, individuals, private companies, nonprofits, communities, religious groups, and professional and social organizations.

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Students have the option of making payments on tuition not covered by financial aid.