Student Financial Services

Student Financial Services

Investing in your future as a student is one of the most important steps you will take in your life. ATSU can help you put together a financially sound aid package that will let you focus on your education instead of worrying about how you will finance it.

We see our role in the Office of Student Financial Services as helping you with your finances, so you can concentrate on your academics. We are here to serve you. Please email our office at financialaid@atsu.edu or call us at 1.866.626.2878 ext. 2529.

  • Arizona School of Dentistry & Oral Health +

    • Doctor of Dental Medicine +

      Where do I start?+

      THE 10 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. The school code for all campuses and programs of A.T. Still University of Health Sciences (ATSU) is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. A.T. Still University of Health Sciences receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student contacts Student Financial Services.

      5. Student Financial Services sends an electronic award letter to the student, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and submits all required forms to Student Financial Services.

      7. In addition, the student completes loan applications and master promissory notes as required.

      8. Student Financial Services looks over the required forms and performs verification if necessary.

      9. The lender wires the funds by Electronic Funds Transfer (EFT) to the school or sends the institution a loan check.

      10. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's direct deposit account on file.

      Financial Aid Brochure: Paying for Health Professions School

      FAFSA+

      Free application for federal student aid (FAFSA):


      • Must be filled out each year (after January 1st ) to apply for financial aid

      • Need prior year federal tax returns if required to file (Keep a copy of your return in case you are picked for verification.)

      • Apply on the web (fafsa.ed.gov) or by using paper FAFSA

      • School will receive information electronically if student lists school code (G02477)

      • Check your copy over. If you find errors, call the school before making corrections!

      • Parental information not required for Federal Stafford Loans, but must be included to be considered for Federal Perkins Loans

      General Information+

      Eligibility for Financial Assistance

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR), which is the output document the student receives after completing the FAFSA, and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $40,000 and the expected contribution is $5,000, the student's unmet financial need is $35,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as the private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Financial Services Director. Every effort is made to ensure that allowances in each category are realistic and fair. Periodically, students are given questionnaires to report their actual expenses in each category. This information is used in determining student budgets for the next academic year. Although the Financial Services Director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the private loans being based on creditworthiness.

      Verification

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to fafsa.ed.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions

      Professional judgment allows the Director the flexibility to evaluate individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the federal regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contributions, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning

      Financing a medical school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As an osteopathic student, for example, your long-term goal might be to set up a private practice in your home town. As you plan your strategies to reach this end, keep in mind that your short and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      • Have a written plan;
      • Set realistic goals;
      • Establish priorities;
      • Keep expenditures below income; and
      • Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. Because of accrued interest, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.


      ATSU Financial Aid Brochure

      Credit+

      A person's credit history is critically important in the world of finances. One's credit history in the fiscal world is comparable to one's academic transcript in the educational world. It can impact your interest rate on a home, whether or not your private student loan request will be approved, or determine whether you need a co-borrower for the loan, to name a few areas that can be impacted. Prospective employers, banks, and insurance companies all have access to your credit score. So…make sure you take care of your financial obligations on a timely basis – pay your bills on time! If you have trouble, contact that particular agency and communicate with them.

      If you would like to view your credit report, simply click on the link below. This will give you the opportunity to clear up any inaccuracies before you apply for private credit. You will also see areas you might be able to improve, such as canceling any credit cards you no longer use. And since you are requesting the report on your own behalf, it will not count as a “hit” on your credit. There is a fee for the report – but it is well worth the price if you can eliminate some frustrations down the road. It might be helpful to view the presentation “Understanding the Importance of Credit Scoring” before going to the link to view your personal credit history.

      Review your credit report on a yearly basis: www.annualcreditreport.com

      Understanding the Importance of Credit Scoring Presentation

      ATSU Policies+

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).


      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current payment period. The deadline for a student in a residential program is ten (10) days from the receipt of the financial aid SAP warning email.

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed.

      Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Resinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.


      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Refund Policy for Exiting Students

      A student who officially withdraws from any program while at A.T. Still University (ATSU) prior to the end of a payment period must complete an Exit Process form. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula

      For Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      For Clock Hour Programs - (Applies to KCOM only)

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining clock hours there are in the payment period divided by the total number of clock hours in that same payment period. The institution will pay back to the student (or lender) the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 430 clock hours but paid for 1,720 clock hours ATSU would have earned 25% of educational costs paid. Therefore, 75% of the educational costs paid are unearned. ATSU would refund to the student 75% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 1,720 Clock Hours = $24,250
      • Clock Hours enrolled by the student = 430
      • Clock Hours remaining in the payment period = 1,290 (1720-430)
      • 1290/1720 = 75% (Percentage of educational costs unearned by ATSU)
      • 75% of $24,250 = $18,187.50 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $18,187.50

      Return of Title IV Funds Formula

      For Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      For Clock hour Programs - (Applies to KCOM only)

      (For students who received federal financial assistance)

      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student. Unearned Title IV funds are based on how many clock hours are remaining in the payment period divided by the total number of clock hours in the payment period. Unearned Title IV funds will be returned to the lender. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 950 clock hours, but withdrew after 380 clock hours, the percentage of Title IV funds earned will be 40.0%. Unearned Title IV funds will be 60.0%. Therefore, ATSU will return 60.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 950 clock hours = $24,250.00
      • Clock hours of instruction received by student = 380
      • 380/950 = 40.0% (Percentage of Title IV funds earned)
      • 60.0% of $24,250.00 = $14,550.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $14,550.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Requirements for Return of Tuition Assistance (TA) Funds

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Refund Standards Per State

      D.C.
      Maryland
      Washington

      Overawards

      When an overaward occurs, the Director of Student Financial Services reviews the student's financial aid file. After necessary adjustments are made, the Director contacts the student informing him/her of the overaward and the adjustment which has to be made. Adjustments are normally made by reducing a subsequent loan disbursement. Upon rare occasions, a student must write a check to the lender to repay an overaward.

      Loans for Residential Students+

      Federal Loans


      Unsubsidized Federal Stafford Loan


      Amount: Eligibility varies depending on the course of study.

      • Medical or Dental Students. The Unsubsidized loan has up to a $47,166 maximum per year for a twelve month academic year. The total aggregate for Subsidized and Unsubsidized loans during undergraduate and graduate studies is $224,000.
      • Non-Medical or Non-Dental Students. The Unsubsidized loan has a $20,500 maximum per year. The total aggregate for Subsidized and Unsubsized loans during undergraduate and graduate studies is $138,500.

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 5.84%.

      Fees: 1.073% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 1.068%.

      Conditions: The borrower must fill out a FAFSA need analysis to determine the financial need. This loan can be used to replace an expected family contribution. It is given out in two equal disbursements when tuition is due.

      Repayment: The borrower has up to 10 years to repay this loan. Each borrower will go into repayment six months following graduation or withdrawal, unless the borrower qualifies for an economic hardship deferment.

      Grace Period: Each borrower has a six-month grace period for the Unsubsidized Federal Stafford Loan. The grace period must be used up before the borrower is eligible for deferment or forbearance.

      Federal Perkins Loan


      Amount: Award amounts are $8,000 a year with the maximum aggregate at $40,000.

      Interest: Interest does not begin accruing for the borrower until repayment begins. The interest rate is 5% and remains fixed throughout the life of the loan.

      Conditions: The borrower must fill out a FAFSA need analysis to demonstrate financial need. This loan is given out in two equal disbursements when tuition is due. A student may be awarded a Federal Perkins Loan under one of the following situations: (1) If the student has parental information submitted on the FAFSA and the parents' AGI is $50,000 to $55,000 or less; or (2) If the student's family size is four or greater.

      Repayment: Each borrower has up to 10 years to repay this loan. Borrower enters repayment following a nine-month grace period immediately after graduation or withdrawal.

      Fees: No origination or guarantee fee is taken out of the Federal Perkins Loan.

      Federal Graduate PLUS Loan


      Amount: Up to Cost of Education minus other financial assistance

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 6.84%.

      Repayment: The borrower has up to 10 years to repay this loan. Deferment and forbearances are available during post-graduate training.

      Fees: 4.292% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 4.272%.

      Short-term and Emergency Loans


      Students experiencing temporary cash flow shortages may receive short-term or emergency loans. These funds are intended to help students deal with unexpected expenses such as medical bills or major car repairs. Students sign a promissory note and pay back the loan when their financial aid is wired to the institution. Twelve percent simple interest is charged on all loans. Remember to allow for the decrease in the next financial aid disbursement when preparing a budget.

      Private Education Loan Applicant Self-Certification


      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Outside Sources

      Health Professions Scholarship Program (HPSP) - Army, Navy, and Air Force Arizona Army National Guard
      National Health Service Corps Scholarship Program American Student Dental Association (ASDA) Scholarships & Grants
      Indian Health Service Scholarship Program Infinite Scholars Scholarship Fairs
      Western Interstate Commission for Higher Education (WICHE) American Dental Education Association (ADEA) Scholarships, Awards & Fellowships
      USA Funds Access to Education Scholarships Margaret McNamara Memorial Fund
      Lloyd E. Burton Scholarship Hispanic Dental Association
      American Indian Graduate Center Mesothelioma Cancer Alliance Scholarship
      Women for ATSU Scholarship

      Scholarship Links

      www.fastweb.com www.scholarshipguidance.com
      www.scholarships.com  

      Health Professions Scholarship Program (HPSP) - Army, Navy, and Air Force

      Military Student Loan Benefits - Servicemembers Civil Relief Act (SCRA)

      National Health Service Corps Scholarship Program

      • NHSC Scholarship
      • Toll-Free Help Line 1-800-221-9393 or email gethelp@hrsa.gov
      • Pays full tuition and fees
      • Pays for required books, supplies and equipment, and student health insurance
      • Pays monthly stipend of approximately $1,300
      • Year for year obligation
      • Student MUST practice primary care (family medicine, general internal medicine, general pediatrics, psychiatry, or ob/gyn) AND serve in a federally designated Health Professional Shortage Area (HPSA)
      • Two-year minimum service obligation
      • Application deadline varies each year. Check the NHSC Scholarship for details

      Indian Health Service Scholarship Program

      • Indian Health Service Scholarship Program
      • Toll-Free Help Line 1.800.221.9393
      • Pays full tuition and fees
      • Pays for required books, supplies and equipment, and student health insurance
      • Pays monthly stipend of approximately $1,900
      • Year for year obligation
      • Two-year minimum
      • Must have tribal papers

      American Indian Graduate Center

      Western Interstate Comission for Higher Education (WICHE)

      A.T. Still University of Health Sciences participates in the Professional Student Exchange Program administered by the Western Interstate Commission for Higher Education (WICHE), under which legal residents of western states without a public professional school in this field may receive preference in admission and reduced tuition at this institution. To be certified as eligible for this program, the student must write to the WICHE Certifying Officer in his/her state of legal residence for the program application form. The number of students to be supported in each state in this field depends upon state appropriations. For addresses of state certifying officers, consult the WICHE Professional Student Exchange Program, P.O. Box 9752, Boulder, Colorado 80301-9752 (telephone: 303/541-0214), or the WICHE website at http://www.wiche.edu.

      Women for ATSU Scholarship

      Application period is currently closed.

      Each year one ASDOH female student is eligible to apply for a $1,000 scholarship. The student must be enrolled full-time and in good academic standing, demonstrate financial need (as verified by Student Financial Services) and have a minimum GPA of 3.0 (as verified by the Registrar). Preference will be given to permanent Arizona residents.

      The female student, in 150 words must answer the following: "Why did you choose your professional field?"

      Women for ATSU is a membership program that provides awareness and philanthropic support to A.T. Still University. Members include individuals in our community, business partners, University employees and alumni. Annual dues are pooled in a fund that members direct toward scholarships, programs and healthcare education projects at the University.

      Deadline to submit is April 17, 2015 (no later than 5:00 p.m.)

      Applications are available on the Women for ATSU website. Applications must be delivered in person to Student Affairs or sent by fax to 480.219.6188.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS Administration and Faculty and Student Affairs and final approval by the Dean.

      Lloyd E. Burton Scholarship

      The Arizona Public Health Association (AzPHA) – the voice for public health in Arizona - invites current higher-education students to apply for the Lloyd E. Burton Scholarship. This $500 scholarship is awarded at the AzPHA Annual Membership in the fall. The scholarship amount is made possible by the BHHS Legacy Foundation and the Arizona Public Health Association.

      This scholarship provides recognition to Lloyd E. Burton, Ph.D. for his sustained support of AzPHA by providing a scholarship in his name to encourage interest in professions that improve the public’s health.

      Eligibility, application requirements, along with the application can be found at:
      http://www.azpha.org/awards/scholarship.

      Tuition & Budget+

      Tuition and Budget

      Tuition is due twice a year at ASDOH. It is due at the beginning of each semester. The tuition amount due each payment is half the cost for the entire year. Tuition may be paid any time during the week that it is due. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      Budgets and expense worksheets are listed below:

      For the 15-16 academic year:

      (2019) Freshman Budget 1st Year Expense Worksheet (2019)
      (2018) Sophomore Budget 2nd Year Expense Worksheet (2018)
      (2017) Junior Budget 3rd Year Expense Worksheet (2017)
      (2016) Senior Budget 4th Year Expense Worksheet (2016)

      2015-16 Tuition & Fees


      For the 14-15 academic year:

      (2018) Freshman Budget 1st Year Expense Worksheet
      (2017) Sophomore Budget 2nd Year Expense Worksheet
      (2016) Junior Budget 3rd Year Expense Worksheet
      (2015) Senior Budget 4th Year Expense Worksheet

      2014-15 Tuition & Fees

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account. (Students that have lenders that do not wire money to ATSU will receive their financial aid through a co-payable check.) Generally, funds are available when tuition is due.

      Direct Deposit

      Many banks in states outside of Missouri make students wait 10 business days to tap their loan funds when deposited by check. Therefore, we require all students to use direct deposit where ATSU wires money to the student's bank account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Resources for Dental Students

      Work Study+

      Federal Work-Study

      A student interested in work-study must fill out the FAFSA to determine eligibility. If eligible, the student contacts a potential supervisor to express his/her interest. If a position is available in that area, the student completes the work-study application forms and submits the forms to Student Financial Services. The student must complete all forms and have them approved by Human Resources before beginning work.

      Work-study earnings are considered a part of the total financial aid package. If the student earns $1,000 in work-study, that $1,000 cannot be awarded in other financial aid, such as loans. Students may not work more than 29 hours per week, and are responsible for keeping track of the amount worked so they do not go over their award.

      Students are encouraged to consider working in community service organizations. Hospice, nursing homes, and schools are some of the community service opportunities available.

      Kirksville - Federal Work Study Contacts

      Certificate in Orthodontics+

      Where do I start?+

      THE 10 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. The school code for all campuses and programs of A.T. Still University of Health Sciences (ATSU) is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. A.T. Still University of Health Sciences receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student contacts Student Financial Services.

      5. Student Financial Services sends an electronic award letter to the student, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and submits all required forms to Student Financial Services.

      7. In addition, the student completes loan applications and master promissory notes as required.

      8. Student Financial Services looks over the required forms and performs verification if necessary.

      9. The lender wires the funds by Electronic Funds Transfer (EFT) to the school or sends the institution a loan check.

      10. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's direct deposit account on file.

      Financial Aid Brochure: Paying for Health Professions School

      FAFSA+

      Free application for federal student aid (FAFSA):


      • Must be filled out each year (after January 1st ) to apply for financial aid

      • Need prior year federal tax returns if required to file (Keep a copy of your return in case you are picked for verification.)

      • Apply on the web (fafsa.ed.gov) or by using paper FAFSA

      • School will receive information electronically if student lists school code (G02477)

      • Check your copy over. If you find errors, call the school before making corrections!

      • Parental information not required for Federal Stafford Loans, but must be included to be considered for Federal Perkins Loans

      General Information+

      Eligibility for Financial Assistance

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR), which is the output document the student receives after completing the FAFSA, and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $40,000 and the expected contribution is $5,000, the student's unmet financial need is $35,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as the private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Financial Services Director. Every effort is made to ensure that allowances in each category are realistic and fair. Periodically, students are given questionnaires to report their actual expenses in each category. This information is used in determining student budgets for the next academic year. Although the Financial Services Director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the private loans being based on creditworthiness.

      Verification

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to fafsa.ed.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions

      Professional judgment allows the Director the flexibility to evaluate individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the federal regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contributions, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning

      Financing a medical school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As an osteopathic student, for example, your long-term goal might be to set up a private practice in your home town. As you plan your strategies to reach this end, keep in mind that your short and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      • Have a written plan;
      • Set realistic goals;
      • Establish priorities;
      • Keep expenditures below income; and
      • Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. Because of accrued interest, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.


      ATSU Financial Aid Brochure

      Credit+

      A person's credit history is critically important in the world of finances. One's credit history in the fiscal world is comparable to one's academic transcript in the educational world. It can impact your interest rate on a home, whether or not your private student loan request will be approved, or determine whether you need a co-borrower for the loan, to name a few areas that can be impacted. Prospective employers, banks, and insurance companies all have access to your credit score. So…make sure you take care of your financial obligations on a timely basis – pay your bills on time! If you have trouble, contact that particular agency and communicate with them.

      If you would like to view your credit report, simply click on the link below. This will give you the opportunity to clear up any inaccuracies before you apply for private credit. You will also see areas you might be able to improve, such as canceling any credit cards you no longer use. And since you are requesting the report on your own behalf, it will not count as a “hit” on your credit. There is a fee for the report – but it is well worth the price if you can eliminate some frustrations down the road. It might be helpful to view the presentation “Understanding the Importance of Credit Scoring” before going to the link to view your personal credit history.

      Review your credit report on a yearly basis: www.annualcreditreport.com

      Understanding the Importance of Credit Scoring Presentation

      ATSU Policies+

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).


      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current payment period. The deadline for a student in a residential program is ten (10) days from the receipt of the financial aid SAP warning email.

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed.

      Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Resinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.


      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Refund Policy for Exiting Students

      A student who officially withdraws from any program while at A.T. Still University (ATSU) prior to the end of a payment period must complete an Exit Process form. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula

      For Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      For Clock Hour Programs - (Applies to KCOM only)

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining clock hours there are in the payment period divided by the total number of clock hours in that same payment period. The institution will pay back to the student (or lender) the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 430 clock hours but paid for 1,720 clock hours ATSU would have earned 25% of educational costs paid. Therefore, 75% of the educational costs paid are unearned. ATSU would refund to the student 75% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 1,720 Clock Hours = $24,250
      • Clock Hours enrolled by the student = 430
      • Clock Hours remaining in the payment period = 1,290 (1720-430)
      • 1290/1720 = 75% (Percentage of educational costs unearned by ATSU)
      • 75% of $24,250 = $18,187.50 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $18,187.50

      Return of Title IV Funds Formula

      For Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      For Clock hour Programs - (Applies to KCOM only)

      (For students who received federal financial assistance)

      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student. Unearned Title IV funds are based on how many clock hours are remaining in the payment period divided by the total number of clock hours in the payment period. Unearned Title IV funds will be returned to the lender. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 950 clock hours, but withdrew after 380 clock hours, the percentage of Title IV funds earned will be 40.0%. Unearned Title IV funds will be 60.0%. Therefore, ATSU will return 60.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 950 clock hours = $24,250.00
      • Clock hours of instruction received by student = 380
      • 380/950 = 40.0% (Percentage of Title IV funds earned)
      • 60.0% of $24,250.00 = $14,550.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $14,550.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Requirements for Return of Tuition Assistance (TA) Funds

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Refund Standards Per State

      D.C.
      Maryland
      Washington

      Overawards

      When an overaward occurs, the Director of Student Financial Services reviews the student's financial aid file. After necessary adjustments are made, the Director contacts the student informing him/her of the overaward and the adjustment which has to be made. Adjustments are normally made by reducing a subsequent loan disbursement. Upon rare occasions, a student must write a check to the lender to repay an overaward.

      Loans for Residential Students+

      Federal Loans


      Unsubsidized Federal Stafford Loan


      Amount: Eligibility varies depending on the course of study.

      • Medical or Dental Students. The Unsubsidized loan has up to a $47,166 maximum per year for a twelve month academic year. The total aggregate for Subsidized and Unsubsidized loans during undergraduate and graduate studies is $224,000.
      • Non-Medical or Non-Dental Students. The Unsubsidized loan has a $20,500 maximum per year. The total aggregate for Subsidized and Unsubsized loans during undergraduate and graduate studies is $138,500.

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 5.84%.

      Fees: 1.073% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 1.068%.

      Conditions: The borrower must fill out a FAFSA need analysis to determine the financial need. This loan can be used to replace an expected family contribution. It is given out in two equal disbursements when tuition is due.

      Repayment: The borrower has up to 10 years to repay this loan. Each borrower will go into repayment six months following graduation or withdrawal, unless the borrower qualifies for an economic hardship deferment.

      Grace Period: Each borrower has a six-month grace period for the Unsubsidized Federal Stafford Loan. The grace period must be used up before the borrower is eligible for deferment or forbearance.

      Federal Perkins Loan


      Amount: Award amounts are $8,000 a year with the maximum aggregate at $40,000.

      Interest: Interest does not begin accruing for the borrower until repayment begins. The interest rate is 5% and remains fixed throughout the life of the loan.

      Conditions: The borrower must fill out a FAFSA need analysis to demonstrate financial need. This loan is given out in two equal disbursements when tuition is due. A student may be awarded a Federal Perkins Loan under one of the following situations: (1) If the student has parental information submitted on the FAFSA and the parents' AGI is $50,000 to $55,000 or less; or (2) If the student's family size is four or greater.

      Repayment: Each borrower has up to 10 years to repay this loan. Borrower enters repayment following a nine-month grace period immediately after graduation or withdrawal.

      Fees: No origination or guarantee fee is taken out of the Federal Perkins Loan.

      Federal Graduate PLUS Loan


      Amount: Up to Cost of Education minus other financial assistance

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 6.84%.

      Repayment: The borrower has up to 10 years to repay this loan. Deferment and forbearances are available during post-graduate training.

      Fees: 4.292% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 4.272%.

      Short-term and Emergency Loans


      Students experiencing temporary cash flow shortages may receive short-term or emergency loans. These funds are intended to help students deal with unexpected expenses such as medical bills or major car repairs. Students sign a promissory note and pay back the loan when their financial aid is wired to the institution. Twelve percent simple interest is charged on all loans. Remember to allow for the decrease in the next financial aid disbursement when preparing a budget.

      Private Education Loan Applicant Self-Certification


      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Outside Sources

      Health Professions Scholarship Program (HPSP) - Army, Navy, and Air Force Arizona Army National Guard
      National Health Service Corps Scholarship Program American Student Dental Association (ASDA) Scholarships & Grants
      Indian Health Service Scholarship Program Infinite Scholars Scholarship Fairs
      Western Interstate Commission for Higher Education (WICHE) American Dental Education Association (ADEA) Scholarships, Awards & Fellowships
      USA Funds Access to Education Scholarships Margaret McNamara Memorial Fund
      Lloyd E. Burton Scholarship Hispanic Dental Association
      American Indian Graduate Center Mesothelioma Cancer Alliance Scholarship
      Women for ATSU Scholarship

      Scholarship Links

      www.fastweb.com www.scholarshipguidance.com
      www.scholarships.com  

      Health Professions Scholarship Program (HPSP) - Army, Navy, and Air Force

      Military Student Loan Benefits - Servicemembers Civil Relief Act (SCRA)

      National Health Service Corps Scholarship Program

      • NHSC Scholarship
      • Toll-Free Help Line 1-800-221-9393 or email gethelp@hrsa.gov
      • Pays full tuition and fees
      • Pays for required books, supplies and equipment, and student health insurance
      • Pays monthly stipend of approximately $1,300
      • Year for year obligation
      • Student MUST practice primary care (family medicine, general internal medicine, general pediatrics, psychiatry, or ob/gyn) AND serve in a federally designated Health Professional Shortage Area (HPSA)
      • Two-year minimum service obligation
      • Application deadline varies each year. Check the NHSC Scholarship for details

      Indian Health Service Scholarship Program

      • Indian Health Service Scholarship Program
      • Toll-Free Help Line 1.800.221.9393
      • Pays full tuition and fees
      • Pays for required books, supplies and equipment, and student health insurance
      • Pays monthly stipend of approximately $1,900
      • Year for year obligation
      • Two-year minimum
      • Must have tribal papers

      American Indian Graduate Center

      Western Interstate Comission for Higher Education (WICHE)

      A.T. Still University of Health Sciences participates in the Professional Student Exchange Program administered by the Western Interstate Commission for Higher Education (WICHE), under which legal residents of western states without a public professional school in this field may receive preference in admission and reduced tuition at this institution. To be certified as eligible for this program, the student must write to the WICHE Certifying Officer in his/her state of legal residence for the program application form. The number of students to be supported in each state in this field depends upon state appropriations. For addresses of state certifying officers, consult the WICHE Professional Student Exchange Program, P.O. Box 9752, Boulder, Colorado 80301-9752 (telephone: 303/541-0214), or the WICHE website at http://www.wiche.edu.

      Women for ATSU Scholarship

      Application period is currently closed.

      Each year one ASDOH female student is eligible to apply for a $1,000 scholarship. The student must be enrolled full-time and in good academic standing, demonstrate financial need (as verified by Student Financial Services) and have a minimum GPA of 3.0 (as verified by the Registrar). Preference will be given to permanent Arizona residents.

      The female student, in 150 words must answer the following: "Why did you choose your professional field?"

      Women for ATSU is a membership program that provides awareness and philanthropic support to A.T. Still University. Members include individuals in our community, business partners, University employees and alumni. Annual dues are pooled in a fund that members direct toward scholarships, programs and healthcare education projects at the University.

      Deadline to submit is April 17, 2015 (no later than 5:00 p.m.)

      Applications are available on the Women for ATSU website. Applications must be delivered in person to Student Affairs or sent by fax to 480.219.6188.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS Administration and Faculty and Student Affairs and final approval by the Dean.

      Lloyd E. Burton Scholarship

      The Arizona Public Health Association (AzPHA) – the voice for public health in Arizona - invites current higher-education students to apply for the Lloyd E. Burton Scholarship. This $500 scholarship is awarded at the AzPHA Annual Membership in the fall. The scholarship amount is made possible by the BHHS Legacy Foundation and the Arizona Public Health Association.

      This scholarship provides recognition to Lloyd E. Burton, Ph.D. for his sustained support of AzPHA by providing a scholarship in his name to encourage interest in professions that improve the public’s health.

      Eligibility, application requirements, along with the application can be found at:
      http://www.azpha.org/awards/scholarship.

      Tuition & Budget+

      Tuition and Budget

      Tuition is due twice a year at ASDOH. It is due at the beginning of each semester. The tuition amount due each payment is half the cost for the entire year. Tuition may be paid any time during the week that it is due. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      All Budgets are listed below for the 15-16 academic year and are PDF files.

      2015-16 Tuition & Fees (pdf)

      All Budgets are listed below for the 14-15 academic year and are PDF files.


      2014-15 Tuition & Fees

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account. (Students that have lenders that do not wire money to ATSU will receive their financial aid through a co-payable check.) Generally, funds are available when tuition is due.

      Direct Deposit

      Many banks in states outside of Missouri make students wait 10 business days to tap their loan funds when deposited by check. Therefore, we require all students to use direct deposit where ATSU wires money to the student's bank account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Gainful Employment Disclosure

      Gainful Employment Disclosure information is provided for the Certificate Program in Orthodontics at ATSU.

  • Arizona School of Health Sciences - Online +

    • Advanced Occupational Therapy+

      Financial Aid Information

      Required Steps+

      THE 9 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FASFA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. ATSU's school code is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. The A. T. Still University of Health Sciences (ATSU) receives the same information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student can make the corrections or contact the Student Financial Services office.

      5. Student Financial Services performs verification and then sends an electronic award letter to the student's ATSU email address, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and completes all required documentation in the award letter process.

      7. Student Financial Services looks over the required forms and transmits the loan data.

      8. The lender wires the funds by Electronic Funds Transfer (EFT) to the school.

      9. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's bank account.

      Eligibility for Financial Assistance+

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from his/her student budget. The student's expected contribution is listed on the Student Aid Report (SAR) and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $13,000 and the expected contribution is $5,000, the student's unmet financial need is $8,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as most private loans require a credit check.

      Satisfactory Academic Progress for Federal Financial Aid+

      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards.

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:


      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure

      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).

      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.


      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current block or term. The deadlines to submit a written appeal for reinstatement for the online programs are listed below:

      College of Graduate Health Studies (CGHS) SAP Appeal Deadline
      Fall Block 1, 2015-16 September 20, 2015
      Fall Block 2, 2015-16 December 13, 2015
      Spring Block 1, 2015-16   March 13, 2016
      Spring Block 2, 2015 -16 May 29, 2016

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2015-16 November 22, 2015
      Winter Quarter, 2015-16 March 6, 2016
      Spring Quarter, 2015-16 June 5, 2016
      Summer Quarter, 2015-16 August 7, 2016

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed. Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Reinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR: The student files an appeal and the SAP Committee approves the appeal.

      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Enrollment Status Policy+

      Enrollment Status Definitions

      1 quarter credit = .67 semester credit

      Program Minimum # of Credit Hours Minimum # of Credit Hours
      Full-time Half-time
      Osteopathic Medicine and Dental Programs Enrollment is always full-time
      ASHS programs 9 credits per quarter 5 credits per quarter

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Student Budget Determination+

      The student expense budget is determined each year by the director of Student Financial Services. Every effort is made to ensure that allowances in each category are realistic and fair. Although the director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the Graduate Plus loan and some private loans being based on creditworthiness.

      Verification+

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to www.fafsa.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions+

      Professional judgment allows the Director the flexibility to handle individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contribution, or satisfactory academic progress.


      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning+

      Setting Goals

      Financing your health professions education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As you plan your strategies to reach this end goal, keep in mind that your short- and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      1. Have a written plan;
      2. Set realistic goals;
      3. Establish priorities;
      4. Keep expenditures below income; and
      5. Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. In the end, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.

      Tuition+

      Distance programs' tuition is due 14 calendar days prior to the first day of class. For programs with payment per credit or course, the tuition covers the payment for the coming quarter. For programs that have payment per program, payment in full is due prior to the start of the program or per their admissions agreement on a quarterly payment schedule. The Controller's Office will receive tuition payments and make refunds as necessary. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account.

      Direct Deposit

      Many banks outside of Missouri require a waiting period before funds are available for students when loan proceeds are deposited by check. Therefore, we strongly recommend that all students use direct deposit where ATSU wires money to the student's checking account. This way, the money is available on the day it is wired to the bank

      Direct Deposit Form

      Refund Policy+

      A student who completely exits (as opposed to merely dropping or withdrawing from a class or two) from the Arizona School of Health Sciences(ASHS) program prior to the end of an academic quarter must complete an "Exit Process" form available from your Program Assistant or Program Manager. A student’s eligibility for a refund will be determined by one of the two following formulas.


      Institutional Refund Formula - for Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the student the same refund as the R2T4 Refund Formula.


      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      Return of Title IV Funds Formula - for Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Refund Policy for Student Withdrawals

      An online student who withdraws from a class in the quarter (but does not exit the program) will be subject to the following refund policy:

      Student withdraws from a class between calendar days 1 - 7 or the quarter 100% refund
      Student withdraws from a class between calendar days 8 - 14 50% refund
      Student withdraws from a class after the 14th calendar day of the quarter or thereafter 0% refund

      Post-Withdrawal Disbursement Policy+

      Every ATSU student who matriculates earns a portion of the Title IV, HEA funds from day one. Effective immediately, each student who withdraws before the Title IV funds are disbursed, and has requested loan funds, will be offered a post-withdrawal disbursement notice in writing within 30 days of when ATSU determined the student withdrew. Please note:

      • We will remind the student these are federal loans and must be repaid.
      • We will discourage the student from borrowing any more than is necessary, and may even suggest the student cancel the loan completely.
      • We will require the student to confirm how much, if any, of the post-withdrawal disbursement the student desires. If the student doesn’t respond within 30 days of the notification, no disbursement will be issued to the student.
      • All post-withdrawal disbursements will be made as soon as possible, but no later than 180 days of when ATSU determined the student withdrew.

      Requirements for Return of Tuition Assistance (TA) Funds+

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Private Education Loan Applicant Self-Certification+

      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Budgets+

      Online Financial Aid Budget - 2015-16 Academic Year

      AMOT APA ODT DAT
      Tuition $510 per credit $402 per credit $510 per credit $477 per credit
      Computer $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only)
      Books $57 per credit $57 per credit $57 per credit $57 per credit
      Internet Service $168 per quarter $168 per quarter $168 per quarter $168 per quarter

      Online Financial Aid Budget - 2014-15 Academic Year

      AMOT APA ODT
      Tuition $495 per credit $390 per credit $495 per credit
      Computer $1,299 (for INCOMING only) $1,299 (for INCOMING only) $1,299 (for INCOMING only)
      Books $56 per credit $56 per credit $56 per credit
      Internet Service $165 per quarter $165 per quarter $165 per quarter

      Advanced Physician Assistant+

      Financial Aid Information

      Required Steps+

      THE 9 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FASFA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. ATSU's school code is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. The A. T. Still University of Health Sciences (ATSU) receives the same information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student can make the corrections or contact the Student Financial Services office.

      5. Student Financial Services performs verification and then sends an electronic award letter to the student's ATSU email address, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and completes all required documentation in the award letter process.

      7. Student Financial Services looks over the required forms and transmits the loan data.

      8. The lender wires the funds by Electronic Funds Transfer (EFT) to the school.

      9. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's bank account.

      Eligibility for Financial Assistance+

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from his/her student budget. The student's expected contribution is listed on the Student Aid Report (SAR) and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $13,000 and the expected contribution is $5,000, the student's unmet financial need is $8,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as most private loans require a credit check.

      Satisfactory Academic Progress for Federal Financial Aid+

      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards.

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:


      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure

      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).

      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.


      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current block or term. The deadlines to submit a written appeal for reinstatement for the online programs are listed below:

      College of Graduate Health Studies (CGHS) SAP Appeal Deadline
      Fall Block 1, 2015-16 September 20, 2015
      Fall Block 2, 2015-16 December 13, 2015
      Spring Block 1, 2015-16   March 13, 2016
      Spring Block 2, 2015 -16 May 29, 2016

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2015-16 November 22, 2015
      Winter Quarter, 2015-16 March 6, 2016
      Spring Quarter, 2015-16 June 5, 2016
      Summer Quarter, 2015-16 August 7, 2016

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed. Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Reinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR: The student files an appeal and the SAP Committee approves the appeal.

      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Enrollment Status Policy+

      Enrollment Status Definitions

      1 quarter credit = .67 semester credit

      Program Minimum # of Credit Hours Minimum # of Credit Hours
      Full-time Half-time
      Osteopathic Medicine and Dental Programs Enrollment is always full-time
      ASHS programs 9 credits per quarter 5 credits per quarter

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Student Budget Determination+

      The student expense budget is determined each year by the director of Student Financial Services. Every effort is made to ensure that allowances in each category are realistic and fair. Although the director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the Graduate Plus loan and some private loans being based on creditworthiness.

      Verification+

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to www.fafsa.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions+

      Professional judgment allows the Director the flexibility to handle individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contribution, or satisfactory academic progress.


      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning+

      Setting Goals

      Financing your health professions education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As you plan your strategies to reach this end goal, keep in mind that your short- and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      1. Have a written plan;
      2. Set realistic goals;
      3. Establish priorities;
      4. Keep expenditures below income; and
      5. Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. In the end, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.

      Tuition+

      Distance programs' tuition is due 14 calendar days prior to the first day of class. For programs with payment per credit or course, the tuition covers the payment for the coming quarter. For programs that have payment per program, payment in full is due prior to the start of the program or per their admissions agreement on a quarterly payment schedule. The Controller's Office will receive tuition payments and make refunds as necessary. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account.

      Direct Deposit

      Many banks outside of Missouri require a waiting period before funds are available for students when loan proceeds are deposited by check. Therefore, we strongly recommend that all students use direct deposit where ATSU wires money to the student's checking account. This way, the money is available on the day it is wired to the bank

      Direct Deposit Form

      Refund Policy+

      A student who completely exits (as opposed to merely dropping or withdrawing from a class or two) from the Arizona School of Health Sciences(ASHS) program prior to the end of an academic quarter must complete an "Exit Process" form available from your Program Assistant or Program Manager. A student’s eligibility for a refund will be determined by one of the two following formulas.


      Institutional Refund Formula - for Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the student the same refund as the R2T4 Refund Formula.


      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      Return of Title IV Funds Formula - for Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Refund Policy for Student Withdrawals

      An online student who withdraws from a class in the quarter (but does not exit the program) will be subject to the following refund policy:

      Student withdraws from a class between calendar days 1 - 7 or the quarter 100% refund
      Student withdraws from a class between calendar days 8 - 14 50% refund
      Student withdraws from a class after the 14th calendar day of the quarter or thereafter 0% refund

      Post-Withdrawal Disbursement Policy+

      Every ATSU student who matriculates earns a portion of the Title IV, HEA funds from day one. Effective immediately, each student who withdraws before the Title IV funds are disbursed, and has requested loan funds, will be offered a post-withdrawal disbursement notice in writing within 30 days of when ATSU determined the student withdrew. Please note:

      • We will remind the student these are federal loans and must be repaid.
      • We will discourage the student from borrowing any more than is necessary, and may even suggest the student cancel the loan completely.
      • We will require the student to confirm how much, if any, of the post-withdrawal disbursement the student desires. If the student doesn’t respond within 30 days of the notification, no disbursement will be issued to the student.
      • All post-withdrawal disbursements will be made as soon as possible, but no later than 180 days of when ATSU determined the student withdrew.

      Requirements for Return of Tuition Assistance (TA) Funds+

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Private Education Loan Applicant Self-Certification+

      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Budgets+

      Online Financial Aid Budget - 2015-16 Academic Year

      AMOT APA ODT DAT
      Tuition $510 per credit $402 per credit $510 per credit $477 per credit
      Computer $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only)
      Books $57 per credit $57 per credit $57 per credit $57 per credit
      Internet Service $168 per quarter $168 per quarter $168 per quarter $168 per quarter

      Online Financial Aid Budget - 2014-15 Academic Year

      AMOT APA ODT
      Tuition $495 per credit $390 per credit $495 per credit
      Computer $1,299 (for INCOMING only) $1,299 (for INCOMING only) $1,299 (for INCOMING only)
      Books $56 per credit $56 per credit $56 per credit
      Internet Service $165 per quarter $165 per quarter $165 per quarter

      Doctorate Athletic Training+

      Financial Aid Information

      Required Steps+

      THE 9 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FASFA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. ATSU's school code is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. The A. T. Still University of Health Sciences (ATSU) receives the same information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student can make the corrections or contact the Student Financial Services office.

      5. Student Financial Services performs verification and then sends an electronic award letter to the student's ATSU email address, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and completes all required documentation in the award letter process.

      7. Student Financial Services looks over the required forms and transmits the loan data.

      8. The lender wires the funds by Electronic Funds Transfer (EFT) to the school.

      9. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's bank account.

      Eligibility for Financial Assistance+

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from his/her student budget. The student's expected contribution is listed on the Student Aid Report (SAR) and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $13,000 and the expected contribution is $5,000, the student's unmet financial need is $8,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as most private loans require a credit check.

      Satisfactory Academic Progress for Federal Financial Aid+

      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards.

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:


      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure

      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).

      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.


      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current block or term. The deadlines to submit a written appeal for reinstatement for the online programs are listed below:

      College of Graduate Health Studies (CGHS) SAP Appeal Deadline
      Fall Block 1, 2015-16 September 20, 2015
      Fall Block 2, 2015-16 December 13, 2015
      Spring Block 1, 2015-16   March 13, 2016
      Spring Block 2, 2015 -16 May 29, 2016

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2015-16 November 22, 2015
      Winter Quarter, 2015-16 March 6, 2016
      Spring Quarter, 2015-16 June 5, 2016
      Summer Quarter, 2015-16 August 7, 2016

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed. Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Reinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR: The student files an appeal and the SAP Committee approves the appeal.

      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Enrollment Status Policy+

      Enrollment Status Definitions

      1 quarter credit = .67 semester credit

      Program Minimum # of Credit Hours Minimum # of Credit Hours
      Full-time Half-time
      Osteopathic Medicine and Dental Programs Enrollment is always full-time
      ASHS programs 9 credits per quarter 5 credits per quarter

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Student Budget Determination+

      The student expense budget is determined each year by the director of Student Financial Services. Every effort is made to ensure that allowances in each category are realistic and fair. Although the director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the Graduate Plus loan and some private loans being based on creditworthiness.

      Verification+

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to www.fafsa.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions+

      Professional judgment allows the Director the flexibility to handle individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contribution, or satisfactory academic progress.


      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning+

      Setting Goals

      Financing your health professions education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As you plan your strategies to reach this end goal, keep in mind that your short- and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      1. Have a written plan;
      2. Set realistic goals;
      3. Establish priorities;
      4. Keep expenditures below income; and
      5. Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. In the end, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.

      Tuition+

      Distance programs' tuition is due 14 calendar days prior to the first day of class. For programs with payment per credit or course, the tuition covers the payment for the coming quarter. For programs that have payment per program, payment in full is due prior to the start of the program or per their admissions agreement on a quarterly payment schedule. The Controller's Office will receive tuition payments and make refunds as necessary. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account.

      Direct Deposit

      Many banks outside of Missouri require a waiting period before funds are available for students when loan proceeds are deposited by check. Therefore, we strongly recommend that all students use direct deposit where ATSU wires money to the student's checking account. This way, the money is available on the day it is wired to the bank

      Direct Deposit Form

      Refund Policy+

      A student who completely exits (as opposed to merely dropping or withdrawing from a class or two) from the Arizona School of Health Sciences(ASHS) program prior to the end of an academic quarter must complete an "Exit Process" form available from your Program Assistant or Program Manager. A student’s eligibility for a refund will be determined by one of the two following formulas.


      Institutional Refund Formula - for Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the student the same refund as the R2T4 Refund Formula.


      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      Return of Title IV Funds Formula - for Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Refund Policy for Student Withdrawals

      An online student who withdraws from a class in the quarter (but does not exit the program) will be subject to the following refund policy:

      Student withdraws from a class between calendar days 1 - 7 or the quarter 100% refund
      Student withdraws from a class between calendar days 8 - 14 50% refund
      Student withdraws from a class after the 14th calendar day of the quarter or thereafter 0% refund

      Post-Withdrawal Disbursement Policy+

      Every ATSU student who matriculates earns a portion of the Title IV, HEA funds from day one. Effective immediately, each student who withdraws before the Title IV funds are disbursed, and has requested loan funds, will be offered a post-withdrawal disbursement notice in writing within 30 days of when ATSU determined the student withdrew. Please note:

      • We will remind the student these are federal loans and must be repaid.
      • We will discourage the student from borrowing any more than is necessary, and may even suggest the student cancel the loan completely.
      • We will require the student to confirm how much, if any, of the post-withdrawal disbursement the student desires. If the student doesn’t respond within 30 days of the notification, no disbursement will be issued to the student.
      • All post-withdrawal disbursements will be made as soon as possible, but no later than 180 days of when ATSU determined the student withdrew.

      Requirements for Return of Tuition Assistance (TA) Funds+

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Private Education Loan Applicant Self-Certification+

      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Budgets+

      Online Financial Aid Budget - 2015-16 Academic Year

      AMOT APA ODT DAT
      Tuition $510 per credit $402 per credit $510 per credit $477 per credit
      Computer $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only)
      Books $57 per credit $57 per credit $57 per credit $57 per credit
      Internet Service $168 per quarter $168 per quarter $168 per quarter $168 per quarter

      Online Financial Aid Budget - 2014-15 Academic Year

      AMOT APA ODT
      Tuition $495 per credit $390 per credit $495 per credit
      Computer $1,299 (for INCOMING only) $1,299 (for INCOMING only) $1,299 (for INCOMING only)
      Books $56 per credit $56 per credit $56 per credit
      Internet Service $165 per quarter $165 per quarter $165 per quarter

      Doctorate Occupational Therapy+

      Financial Aid Information

      Required Steps+

      THE 9 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FASFA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. ATSU's school code is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. The A. T. Still University of Health Sciences (ATSU) receives the same information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student can make the corrections or contact the Student Financial Services office.

      5. Student Financial Services performs verification and then sends an electronic award letter to the student's ATSU email address, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and completes all required documentation in the award letter process.

      7. Student Financial Services looks over the required forms and transmits the loan data.

      8. The lender wires the funds by Electronic Funds Transfer (EFT) to the school.

      9. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's bank account.

      Eligibility for Financial Assistance+

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from his/her student budget. The student's expected contribution is listed on the Student Aid Report (SAR) and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $13,000 and the expected contribution is $5,000, the student's unmet financial need is $8,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as most private loans require a credit check.

      Satisfactory Academic Progress for Federal Financial Aid+

      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards.

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:


      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure

      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).

      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.


      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current block or term. The deadlines to submit a written appeal for reinstatement for the online programs are listed below:

      College of Graduate Health Studies (CGHS) SAP Appeal Deadline
      Fall Block 1, 2015-16 September 20, 2015
      Fall Block 2, 2015-16 December 13, 2015
      Spring Block 1, 2015-16   March 13, 2016
      Spring Block 2, 2015 -16 May 29, 2016

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2015-16 November 22, 2015
      Winter Quarter, 2015-16 March 6, 2016
      Spring Quarter, 2015-16 June 5, 2016
      Summer Quarter, 2015-16 August 7, 2016

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed. Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Reinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR: The student files an appeal and the SAP Committee approves the appeal.

      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Enrollment Status Policy+

      Enrollment Status Definitions

      1 quarter credit = .67 semester credit

      Program Minimum # of Credit Hours Minimum # of Credit Hours
      Full-time Half-time
      Osteopathic Medicine and Dental Programs Enrollment is always full-time
      ASHS programs 9 credits per quarter 5 credits per quarter

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Student Budget Determination+

      The student expense budget is determined each year by the director of Student Financial Services. Every effort is made to ensure that allowances in each category are realistic and fair. Although the director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the Graduate Plus loan and some private loans being based on creditworthiness.

      Verification+

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to www.fafsa.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions+

      Professional judgment allows the Director the flexibility to handle individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contribution, or satisfactory academic progress.


      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning+

      Setting Goals

      Financing your health professions education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As you plan your strategies to reach this end goal, keep in mind that your short- and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      1. Have a written plan;
      2. Set realistic goals;
      3. Establish priorities;
      4. Keep expenditures below income; and
      5. Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. In the end, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.

      Tuition+

      Distance programs' tuition is due 14 calendar days prior to the first day of class. For programs with payment per credit or course, the tuition covers the payment for the coming quarter. For programs that have payment per program, payment in full is due prior to the start of the program or per their admissions agreement on a quarterly payment schedule. The Controller's Office will receive tuition payments and make refunds as necessary. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account.

      Direct Deposit

      Many banks outside of Missouri require a waiting period before funds are available for students when loan proceeds are deposited by check. Therefore, we strongly recommend that all students use direct deposit where ATSU wires money to the student's checking account. This way, the money is available on the day it is wired to the bank

      Direct Deposit Form

      Refund Policy+

      A student who completely exits (as opposed to merely dropping or withdrawing from a class or two) from the Arizona School of Health Sciences(ASHS) program prior to the end of an academic quarter must complete an "Exit Process" form available from your Program Assistant or Program Manager. A student’s eligibility for a refund will be determined by one of the two following formulas.


      Institutional Refund Formula - for Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the student the same refund as the R2T4 Refund Formula.


      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      Return of Title IV Funds Formula - for Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Refund Policy for Student Withdrawals

      An online student who withdraws from a class in the quarter (but does not exit the program) will be subject to the following refund policy:

      Student withdraws from a class between calendar days 1 - 7 or the quarter 100% refund
      Student withdraws from a class between calendar days 8 - 14 50% refund
      Student withdraws from a class after the 14th calendar day of the quarter or thereafter 0% refund

      Post-Withdrawal Disbursement Policy+

      Every ATSU student who matriculates earns a portion of the Title IV, HEA funds from day one. Effective immediately, each student who withdraws before the Title IV funds are disbursed, and has requested loan funds, will be offered a post-withdrawal disbursement notice in writing within 30 days of when ATSU determined the student withdrew. Please note:

      • We will remind the student these are federal loans and must be repaid.
      • We will discourage the student from borrowing any more than is necessary, and may even suggest the student cancel the loan completely.
      • We will require the student to confirm how much, if any, of the post-withdrawal disbursement the student desires. If the student doesn’t respond within 30 days of the notification, no disbursement will be issued to the student.
      • All post-withdrawal disbursements will be made as soon as possible, but no later than 180 days of when ATSU determined the student withdrew.

      Requirements for Return of Tuition Assistance (TA) Funds+

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Private Education Loan Applicant Self-Certification+

      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Budgets+

      Online Financial Aid Budget - 2015-16 Academic Year

      AMOT APA ODT DAT
      Tuition $510 per credit $402 per credit $510 per credit $477 per credit
      Computer $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only)
      Books $57 per credit $57 per credit $57 per credit $57 per credit
      Internet Service $168 per quarter $168 per quarter $168 per quarter $168 per quarter

      Online Financial Aid Budget - 2014-15 Academic Year

      AMOT APA ODT
      Tuition $495 per credit $390 per credit $495 per credit
      Computer $1,299 (for INCOMING only) $1,299 (for INCOMING only) $1,299 (for INCOMING only)
      Books $56 per credit $56 per credit $56 per credit
      Internet Service $165 per quarter $165 per quarter $165 per quarter

      Transitional Audiology+

      Tuition+

      Tuition is $9,885 for the entire program for students who matriculate during the 2015-16 academic year. The tuition for this program is due five weeks before classes begin.

      Payment Plan+

      Payment plans are available for the cost of tuition. Payments include the tuition cost plus a non-refundable $175 service fee. Below is an example of a student utilizing the payment plan to pay for their tuition.
      Robin wants to start the Transitional AuD program in the Spring quarter of 2016, which begins March 1, 2016. She cannot pay the full balance and wants to avoid private loans, so she opts for the payment plan.
      Robin’s payments would be as follows:

      1. Due - February 15, 2016 - Tuition payment of $2,471.25 plus $175 service fee=$2,646.25
      2. Due - May 16, 2016 - Tuition payment of $2,471.25
      3. Due - August 15, 2016 - Tuition payment of $2,471.25
      4. Due - November 15, 2016 - Tuition payment of $2,471.25


      Robin’s total tuition payments would add up to $10,060 which is the tuition of $9,885 + $175 service fee.

      Loans+

      Since the program is linear in nature and has modules, none of the students enrolled are considered half-time. Therefore, Transitional AuD students are not eligible for any federal loans. Students have the option to find a private loan, if necessary.

      Tuition Refund Policy for Transitional AuD Distance Education+

      If a student withdraws from the program after you have submitted your tuition payment, the following refund policy applies. If the course is dropped:
      Prior to logging into the first course Tuition refund minus $250.00
      Prior to completing the first course Tuition refund minus $500.00
      Prior to completing the program Pro-rated tuition refund minus $500.00

      Transitional Physical Therapy+

      Tuition+

      Tuition for the Transitional DPT program is $9,989 for the entire program for students who matriculate during the 2015-16 academic year. Tuition is due two weeks before the start of class.

      Payment Plan+

      A quarterly tuition payment plan is available. Under the payment plan, a payment of $2,497.25 is due each quarter throughout the first year of the program. A non-refundable $175 one-time fee will be charged with the first payment.

      Loans+

      Since the program is linear in nature and has modules, none of the students enrolled are considered half-time. Therefore, no Transitional DPT student is eligible for any federal loans. If a loan is necessary, students also have the option of seeking a private loan.

      Employer Tuition Reimbursement+

      The Transitional tDPT program qualifies for most reimbursement programs. ATSU is regionally accredited by the North Central Association for Colleges and Schools, Commission on Higher Education. Many other students have been allowed to apply continuing education funds to the program. Since most academic degree plans cross two calendar years, many students have received almost full reimbursement for the program.

      Veterans Educational Benefits+

      The Transitional DPT program works with Veterans Educational Benefits. For more information, visit A.T. Still University - Registrar - Veteran’s Benefits.

      Tuition Refund Policy for Transitional DPT Distance Education Students+

      If a student withdraws from the program after tuition payment has been submitted, the following refund policy applies. If the course is dropped:
      Prior to logging into first course Tuition refund minus $250
      Prior to completing first course Tuition refund minus $500
      Prior to completing the program Pro-rated tuition refund minus $500

      Tuition Refund Policy for Non-Degree Seeking Option+

      Students may withdraw from class at any time prior to or during the course. If a student drops a course before the quarter begins, they will receive a 100% tuition refund less a $60 administrative fee.
      Student withdraws from a class: Refund Policy:
      1st - 3rd calendar day of the course 75% refund
      4th - 6th calendar day of the course 50% refund
      7th - 9th calendar day of the course 25% refund
      10th calendar day of the course or thereafter No refund

  • Arizona School of Health Sciences - Residential +

    • Athletic Training +

      Where do I start?+

      THE 10 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. The school code for all campuses and programs of A.T. Still University of Health Sciences (ATSU) is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. A.T. Still University of Health Sciences receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student contacts Student Financial Services.

      5. Student Financial Services sends an electronic award letter to the student, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and submits all required forms to Student Financial Services.

      7. In addition, the student completes loan applications and master promissory notes as required.

      8. Student Financial Services looks over the required forms and performs verification if necessary.

      9. The lender wires the funds by Electronic Funds Transfer (EFT) to the school or sends the institution a loan check.

      10. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's direct deposit account on file.

      Financial Aid Brochure: Paying for Health Professions School

      FAFSA+

      Free application for federal student aid (FAFSA):


      • Must be filled out each year (after January 1st ) to apply for financial aid

      • Need prior year federal tax returns if required to file (Keep a copy of your return in case you are picked for verification.)

      • Apply on the web (fafsa.ed.gov) or by using paper FAFSA

      • School will receive information electronically if student lists school code (G02477)

      • Check your copy over. If you find errors, call the school before making corrections!

      • Parental information not required for Federal Stafford Loans, but must be included to be considered for Federal Perkins Loans

      General Information+

      Eligibility for Financial Assistance

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR), which is the output document the student receives after completing the FAFSA, and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $40,000 and the expected contribution is $5,000, the student's unmet financial need is $35,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as the private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Financial Services Director. Every effort is made to ensure that allowances in each category are realistic and fair. Periodically, students are given questionnaires to report their actual expenses in each category. This information is used in determining student budgets for the next academic year. Although the Financial Services Director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the private loans being based on creditworthiness.

      Verification

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to fafsa.ed.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions

      Professional judgment allows the Director the flexibility to evaluate individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the federal regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contributions, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning

      Financing a medical school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As an osteopathic student, for example, your long-term goal might be to set up a private practice in your home town. As you plan your strategies to reach this end, keep in mind that your short and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      • Have a written plan;
      • Set realistic goals;
      • Establish priorities;
      • Keep expenditures below income; and
      • Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. Because of accrued interest, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.


      ATSU Financial Aid Brochure

      Credit+

      A person's credit history is critically important in the world of finances. One's credit history in the fiscal world is comparable to one's academic transcript in the educational world. It can impact your interest rate on a home, whether or not your private student loan request will be approved, or determine whether you need a co-borrower for the loan, to name a few areas that can be impacted. Prospective employers, banks, and insurance companies all have access to your credit score. So…make sure you take care of your financial obligations on a timely basis – pay your bills on time! If you have trouble, contact that particular agency and communicate with them.

      If you would like to view your credit report, simply click on the link below. This will give you the opportunity to clear up any inaccuracies before you apply for private credit. You will also see areas you might be able to improve, such as canceling any credit cards you no longer use. And since you are requesting the report on your own behalf, it will not count as a “hit” on your credit. There is a fee for the report – but it is well worth the price if you can eliminate some frustrations down the road. It might be helpful to view the presentation “Understanding the Importance of Credit Scoring” before going to the link to view your personal credit history.

      Review your credit report on a yearly basis: www.annualcreditreport.com

      Understanding the Importance of Credit Scoring Presentation

      ATSU Policies+

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).


      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current payment period. The deadline for a student in a residential program is ten (10) days from the receipt of the financial aid SAP warning email.

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed.

      Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Resinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.


      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Refund Policy for Exiting Students

      A student who officially withdraws from any program while at A.T. Still University (ATSU) prior to the end of a payment period must complete an Exit Process form. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula

      For Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      For Clock Hour Programs - (Applies to KCOM only)

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining clock hours there are in the payment period divided by the total number of clock hours in that same payment period. The institution will pay back to the student (or lender) the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 430 clock hours but paid for 1,720 clock hours ATSU would have earned 25% of educational costs paid. Therefore, 75% of the educational costs paid are unearned. ATSU would refund to the student 75% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 1,720 Clock Hours = $24,250
      • Clock Hours enrolled by the student = 430
      • Clock Hours remaining in the payment period = 1,290 (1720-430)
      • 1290/1720 = 75% (Percentage of educational costs unearned by ATSU)
      • 75% of $24,250 = $18,187.50 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $18,187.50

      Return of Title IV Funds Formula

      For Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      For Clock hour Programs - (Applies to KCOM only)

      (For students who received federal financial assistance)

      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student. Unearned Title IV funds are based on how many clock hours are remaining in the payment period divided by the total number of clock hours in the payment period. Unearned Title IV funds will be returned to the lender. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 950 clock hours, but withdrew after 380 clock hours, the percentage of Title IV funds earned will be 40.0%. Unearned Title IV funds will be 60.0%. Therefore, ATSU will return 60.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 950 clock hours = $24,250.00
      • Clock hours of instruction received by student = 380
      • 380/950 = 40.0% (Percentage of Title IV funds earned)
      • 60.0% of $24,250.00 = $14,550.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $14,550.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Requirements for Return of Tuition Assistance (TA) Funds

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Refund Standards Per State

      D.C.
      Maryland
      Washington

      Overawards

      When an overaward occurs, the Director of Student Financial Services reviews the student's financial aid file. After necessary adjustments are made, the Director contacts the student informing him/her of the overaward and the adjustment which has to be made. Adjustments are normally made by reducing a subsequent loan disbursement. Upon rare occasions, a student must write a check to the lender to repay an overaward.

      Loans for Residential Students+

      Federal Loans


      Unsubsidized Federal Stafford Loan


      Amount: Eligibility varies depending on the course of study.

      • Medical or Dental Students. The Unsubsidized loan has up to a $47,166 maximum per year for a twelve month academic year. The total aggregate for Subsidized and Unsubsidized loans during undergraduate and graduate studies is $224,000.
      • Non-Medical or Non-Dental Students. The Unsubsidized loan has a $20,500 maximum per year. The total aggregate for Subsidized and Unsubsized loans during undergraduate and graduate studies is $138,500.

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 5.84%.

      Fees: 1.073% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 1.068%.

      Conditions: The borrower must fill out a FAFSA need analysis to determine the financial need. This loan can be used to replace an expected family contribution. It is given out in two equal disbursements when tuition is due.

      Repayment: The borrower has up to 10 years to repay this loan. Each borrower will go into repayment six months following graduation or withdrawal, unless the borrower qualifies for an economic hardship deferment.

      Grace Period: Each borrower has a six-month grace period for the Unsubsidized Federal Stafford Loan. The grace period must be used up before the borrower is eligible for deferment or forbearance.

      Federal Perkins Loan


      Amount: Award amounts are $8,000 a year with the maximum aggregate at $40,000.

      Interest: Interest does not begin accruing for the borrower until repayment begins. The interest rate is 5% and remains fixed throughout the life of the loan.

      Conditions: The borrower must fill out a FAFSA need analysis to demonstrate financial need. This loan is given out in two equal disbursements when tuition is due. A student may be awarded a Federal Perkins Loan under one of the following situations: (1) If the student has parental information submitted on the FAFSA and the parents' AGI is $50,000 to $55,000 or less; or (2) If the student's family size is four or greater.

      Repayment: Each borrower has up to 10 years to repay this loan. Borrower enters repayment following a nine-month grace period immediately after graduation or withdrawal.

      Fees: No origination or guarantee fee is taken out of the Federal Perkins Loan.

      Federal Graduate PLUS Loan


      Amount: Up to Cost of Education minus other financial assistance

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 6.84%.

      Repayment: The borrower has up to 10 years to repay this loan. Deferment and forbearances are available during post-graduate training.

      Fees: 4.292% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 4.272%.

      Short-term and Emergency Loans


      Students experiencing temporary cash flow shortages may receive short-term or emergency loans. These funds are intended to help students deal with unexpected expenses such as medical bills or major car repairs. Students sign a promissory note and pay back the loan when their financial aid is wired to the institution. Twelve percent simple interest is charged on all loans. Remember to allow for the decrease in the next financial aid disbursement when preparing a budget.

      Private Education Loan Applicant Self-Certification


      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Athletic Training Scholarships


      Dwight Patterson Youth Sports Scholarship


      This award provides financial assistance to students in good academic standing enrolled in ATSU’s Athletic Training program who have demonstrated a commitment to youth sports and the well-being of youth athletes through their academic, clinical and service activities and have submitted a Free Application for Federal Student Aid (FAFSA) form for the current year.

      The Dwight Patterson Youth Sports Scholarship was established in 2004 as a tribute to a man who left a mark on youth, education and sports in Mesa. As a businessman, Patterson lured the Chicago Cubs to Mesa, Ariz., for spring training and was known as the “Father of Cactus League Baseball.” Patterson received training as a teacher and served as a trustee for all three branches of public education in Arizona: K-12, community college and university.

      Applicants will complete the DPYSS application which highlights their voluntary leadership experience, research activities, interest in youth sports, and financial need, as noted on the DPYSS application.

      Deadline to submit is always the 3rd Wednesday of January. For the 2014-2015 school year the deadline is January 21, 2015. Entries should be submitted to Deborah Ross-Carter, Student Financial Services.

      Qualifying applications will be reviewed by the Athletic Training Administration and Faculty and a recommendation will be made to the ATSU Student Scholarship and Awards committee and Student Affairs.

      Learn more about the Dwight Patterson Youth Sports Scholarship.

      General Scholarships

      National Health Service Corps Scholarship Program Women for ATSU Scholarship
      Indian Health Service Scholarship Program Arizona Army National Guard (PA and PT students only) (added 3/16/14)
      American Indian Graduate Center Margaret McNamara Memorial Fund (added 8/22/14)
      Western Interstate Commission for Higher Education (WICHE) Mesothelioma Cancer Alliance Scholarship (added 11/18/14)

      National Health Service Corps (NHSC) Scholarship Program - (PA program only)

      Indian Health Service Scholarship Program

      • Indian Health Service Scholarship Program
      • Toll-Free Help Line 1.800.221.9393
      • Pays full tuition and fees
      • Pays for required books, supplies and equipment, and student health insurance
      • Pays monthly stipend of approximately $1,185
      • Year for year obligation
      • Two-year minimum
      • Must have tribal papers

      American Indian Graduate Center

      Western Interstate Commission for Higher Education (WICHE) (OT , PT, and PA programs only)

      A.T. Still University of Health Sciences participates in the Professional Student Exchange Program administered by the Western Interstate Commission for Higher Education (WICHE), under which legal residents of western states without a public professional school in this field may receive preference in admission and reduced tuition at this institution. To be certified as eligible for this program, the student must write to the WICHE Certifying Officer in his/her state of legal residence for the program application form. For Physician Assistant (PA) students, WICHE is available for students who have their legal residence in Alaska, Nevada, and Wyoming, with limited funds available for Arizona students. The number of students to be supported in each state in this field depends upon state appropriations. For addresses of state certifying officers, consult the WICHE Professional Student Exchange Program, P.O. Box 9752, Boulder, Colorado 80301-9752 (telephone: 303.541.0214), or the WICHE website at http://www.wiche.edu.

      Women for ATSU Scholarship

      Each year one ASHS (AuD, AT, PA, PT, OT) female student is eligible to apply for a $1,000 scholarship. The student must be enrolled full-time and in good academic standing, demonstrate financial need (as verified by financial services) and have a minimum GPA of 3.0 (as verified by the Registrar). Preference will be given to permanent Arizona residents.

      The female student, in 150 words must answer the following: “Why did you choose your professional field?”

      Women for ATSU is a membership program that provides awareness and philanthropic support to A.T. Still University. Members include individuals in our community, business partners, University employees and alumni. Annual dues are pooled in a fund that members direct toward scholarships, programs and healthcare education projects at the University.

      Deadline to submit is April 17, 2015 (no later than 5:00 p.m.)

      Applications are available on the Women for ATSU website. Applications must be delivered in person to Student Affairs or sent by fax to 480.219.6188.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS Administration and Faculty and Student Affairs and final approval by the Dean.

      Miscellaneous Scholarship Links

      Tuition & Budget+

      Tuition is due twice a year at ASHS. It is due at the beginning of the first and third quarters. The tuition amount due each payment is half the cost for the entire year. Tuition may be paid any time during the week that it is due. Delinquent tuition penalties accrue at 1.5% per month, which is 18% per year.

      All budgets are listed below for the 15-16 academic year and are PDF files.

      Athletic Training
      First Year Budget Second Year Budget
      Audiology
      First Year Budget Second Year Budget Third Year Budget Fourth Year Budget
      Occupational Therapy Program
      First Year Budget Second Year Budget Third Year Budget
      Physician Assistant Program
      First Year Budget for Summer Quarter 2015 First Year Budget Second Year Budget
      Physical Therapy Program
      First Year Budget Second Year Budget Third Year Budget

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ASHS. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account. Generally, funds are available when tuition is due. (Students that have lenders that do not wire money to ATSU will receive their financial aid through a co-payable check.)

      Direct Deposit

      Many banks in states outside of Missouri make students wait 10 business days to tap their loan funds when deposited by check. Therefore, we require all students to use direct deposit where ATSU wires money to the student's bank account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Work Study+

      Federal Work-Study

      A student interested in work-study must fill out the FAFSA to determine eligibility. If eligible, the student contacts a potential supervisor to express his/her interest. If a position is available in that area, the student completes the work-study application forms and submits the forms to Student Financial Services. The student must complete all forms and have them approved by Human Resources before beginning work.

      Work-study earnings are considered a part of the total financial aid package. If the student earns $1,000 in work-study, that $1,000 cannot be awarded in other financial aid, such as loans. Students may not work more than 29 hours per week, and are responsible for keeping track of the amount worked so they do not go over their award.

      Students are encouraged to consider working in community service organizations. Hospice, nursing homes, and schools are some of the community service opportunities available.

      Kirksville - Federal Work Study Contacts

      Audiology +

      Where do I start?+

      THE 10 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. The school code for all campuses and programs of A.T. Still University of Health Sciences (ATSU) is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. A.T. Still University of Health Sciences receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student contacts Student Financial Services.

      5. Student Financial Services sends an electronic award letter to the student, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and submits all required forms to Student Financial Services.

      7. In addition, the student completes loan applications and master promissory notes as required.

      8. Student Financial Services looks over the required forms and performs verification if necessary.

      9. The lender wires the funds by Electronic Funds Transfer (EFT) to the school or sends the institution a loan check.

      10. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's direct deposit account on file.

      Financial Aid Brochure: Paying for Health Professions School

      FAFSA+

      Free application for federal student aid (FAFSA):


      • Must be filled out each year (after January 1st ) to apply for financial aid

      • Need prior year federal tax returns if required to file (Keep a copy of your return in case you are picked for verification.)

      • Apply on the web (fafsa.ed.gov) or by using paper FAFSA

      • School will receive information electronically if student lists school code (G02477)

      • Check your copy over. If you find errors, call the school before making corrections!

      • Parental information not required for Federal Stafford Loans, but must be included to be considered for Federal Perkins Loans

      General Information+

      Eligibility for Financial Assistance

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR), which is the output document the student receives after completing the FAFSA, and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $40,000 and the expected contribution is $5,000, the student's unmet financial need is $35,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as the private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Financial Services Director. Every effort is made to ensure that allowances in each category are realistic and fair. Periodically, students are given questionnaires to report their actual expenses in each category. This information is used in determining student budgets for the next academic year. Although the Financial Services Director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the private loans being based on creditworthiness.

      Verification

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to fafsa.ed.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions

      Professional judgment allows the Director the flexibility to evaluate individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the federal regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contributions, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning

      Financing a medical school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As an osteopathic student, for example, your long-term goal might be to set up a private practice in your home town. As you plan your strategies to reach this end, keep in mind that your short and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      • Have a written plan;
      • Set realistic goals;
      • Establish priorities;
      • Keep expenditures below income; and
      • Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. Because of accrued interest, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.


      ATSU Financial Aid Brochure

      Credit+

      A person's credit history is critically important in the world of finances. One's credit history in the fiscal world is comparable to one's academic transcript in the educational world. It can impact your interest rate on a home, whether or not your private student loan request will be approved, or determine whether you need a co-borrower for the loan, to name a few areas that can be impacted. Prospective employers, banks, and insurance companies all have access to your credit score. So…make sure you take care of your financial obligations on a timely basis – pay your bills on time! If you have trouble, contact that particular agency and communicate with them.

      If you would like to view your credit report, simply click on the link below. This will give you the opportunity to clear up any inaccuracies before you apply for private credit. You will also see areas you might be able to improve, such as canceling any credit cards you no longer use. And since you are requesting the report on your own behalf, it will not count as a “hit” on your credit. There is a fee for the report – but it is well worth the price if you can eliminate some frustrations down the road. It might be helpful to view the presentation “Understanding the Importance of Credit Scoring” before going to the link to view your personal credit history.

      Review your credit report on a yearly basis: www.annualcreditreport.com

      Understanding the Importance of Credit Scoring Presentation

      ATSU Policies+

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).


      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current payment period. The deadline for a student in a residential program is ten (10) days from the receipt of the financial aid SAP warning email.

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed.

      Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Resinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.


      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Refund Policy for Exiting Students

      A student who officially withdraws from any program while at A.T. Still University (ATSU) prior to the end of a payment period must complete an Exit Process form. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula

      For Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      For Clock Hour Programs - (Applies to KCOM only)

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining clock hours there are in the payment period divided by the total number of clock hours in that same payment period. The institution will pay back to the student (or lender) the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 430 clock hours but paid for 1,720 clock hours ATSU would have earned 25% of educational costs paid. Therefore, 75% of the educational costs paid are unearned. ATSU would refund to the student 75% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 1,720 Clock Hours = $24,250
      • Clock Hours enrolled by the student = 430
      • Clock Hours remaining in the payment period = 1,290 (1720-430)
      • 1290/1720 = 75% (Percentage of educational costs unearned by ATSU)
      • 75% of $24,250 = $18,187.50 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $18,187.50

      Return of Title IV Funds Formula

      For Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      For Clock hour Programs - (Applies to KCOM only)

      (For students who received federal financial assistance)

      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student. Unearned Title IV funds are based on how many clock hours are remaining in the payment period divided by the total number of clock hours in the payment period. Unearned Title IV funds will be returned to the lender. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 950 clock hours, but withdrew after 380 clock hours, the percentage of Title IV funds earned will be 40.0%. Unearned Title IV funds will be 60.0%. Therefore, ATSU will return 60.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 950 clock hours = $24,250.00
      • Clock hours of instruction received by student = 380
      • 380/950 = 40.0% (Percentage of Title IV funds earned)
      • 60.0% of $24,250.00 = $14,550.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $14,550.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Requirements for Return of Tuition Assistance (TA) Funds

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Refund Standards Per State

      D.C.
      Maryland
      Washington

      Overawards

      When an overaward occurs, the Director of Student Financial Services reviews the student's financial aid file. After necessary adjustments are made, the Director contacts the student informing him/her of the overaward and the adjustment which has to be made. Adjustments are normally made by reducing a subsequent loan disbursement. Upon rare occasions, a student must write a check to the lender to repay an overaward.

      Loans for Residential Students+

      Federal Loans


      Unsubsidized Federal Stafford Loan


      Amount: Eligibility varies depending on the course of study.

      • Medical or Dental Students. The Unsubsidized loan has up to a $47,166 maximum per year for a twelve month academic year. The total aggregate for Subsidized and Unsubsidized loans during undergraduate and graduate studies is $224,000.
      • Non-Medical or Non-Dental Students. The Unsubsidized loan has a $20,500 maximum per year. The total aggregate for Subsidized and Unsubsized loans during undergraduate and graduate studies is $138,500.

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 5.84%.

      Fees: 1.073% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 1.068%.

      Conditions: The borrower must fill out a FAFSA need analysis to determine the financial need. This loan can be used to replace an expected family contribution. It is given out in two equal disbursements when tuition is due.

      Repayment: The borrower has up to 10 years to repay this loan. Each borrower will go into repayment six months following graduation or withdrawal, unless the borrower qualifies for an economic hardship deferment.

      Grace Period: Each borrower has a six-month grace period for the Unsubsidized Federal Stafford Loan. The grace period must be used up before the borrower is eligible for deferment or forbearance.

      Federal Perkins Loan


      Amount: Award amounts are $8,000 a year with the maximum aggregate at $40,000.

      Interest: Interest does not begin accruing for the borrower until repayment begins. The interest rate is 5% and remains fixed throughout the life of the loan.

      Conditions: The borrower must fill out a FAFSA need analysis to demonstrate financial need. This loan is given out in two equal disbursements when tuition is due. A student may be awarded a Federal Perkins Loan under one of the following situations: (1) If the student has parental information submitted on the FAFSA and the parents' AGI is $50,000 to $55,000 or less; or (2) If the student's family size is four or greater.

      Repayment: Each borrower has up to 10 years to repay this loan. Borrower enters repayment following a nine-month grace period immediately after graduation or withdrawal.

      Fees: No origination or guarantee fee is taken out of the Federal Perkins Loan.

      Federal Graduate PLUS Loan


      Amount: Up to Cost of Education minus other financial assistance

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 6.84%.

      Repayment: The borrower has up to 10 years to repay this loan. Deferment and forbearances are available during post-graduate training.

      Fees: 4.292% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 4.272%.

      Short-term and Emergency Loans


      Students experiencing temporary cash flow shortages may receive short-term or emergency loans. These funds are intended to help students deal with unexpected expenses such as medical bills or major car repairs. Students sign a promissory note and pay back the loan when their financial aid is wired to the institution. Twelve percent simple interest is charged on all loans. Remember to allow for the decrease in the next financial aid disbursement when preparing a budget.

      Private Education Loan Applicant Self-Certification


      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Audiology Scholarships


      Audiology Foundation of America (AFA) AuD Student Excellence Scholarship

      This award provides financial assistance to a third year audiology student at ATSU with an overall GPA of 3.5 or higher in good academic standing, outstanding clinical performance, professional or community involvement, which may include one or more of the following:

      • Leadership in student organizations; locally, regionally or nationally
      • Presentations at local or national meetings (scientific, technical or other)
      • Active role in promoting the profession

      Applicants must submit the following:

      • Resume with cover letter highlighting professional and community involvement and commitment to serving a culturally diverse community. The resume should include a contact person and phone number for any volunteer involvement outside ASHS.
      • An original essay on the meaning of professionalism (approx. 1200 words)

      Qualifying applications will be reviewed by an awards committee comprised of the Audiology Faculty and Department Chair. Award recipients will be notified during the Winter Quarter. The award will be presented only if there are qualified applicants.

      General Scholarships

      National Health Service Corps Scholarship Program Women for ATSU Scholarship
      Indian Health Service Scholarship Program Arizona Army National Guard (PA and PT students only) (added 3/16/14)
      American Indian Graduate Center Margaret McNamara Memorial Fund (added 8/22/14)
      Western Interstate Commission for Higher Education (WICHE) Mesothelioma Cancer Alliance Scholarship (added 11/18/14)

      National Health Service Corps (NHSC) Scholarship Program - (PA program only)

      Indian Health Service Scholarship Program

      • Indian Health Service Scholarship Program
      • Toll-Free Help Line 1.800.221.9393
      • Pays full tuition and fees
      • Pays for required books, supplies and equipment, and student health insurance
      • Pays monthly stipend of approximately $1,185
      • Year for year obligation
      • Two-year minimum
      • Must have tribal papers

      American Indian Graduate Center

      Western Interstate Commission for Higher Education (WICHE) (OT , PT, and PA programs only)

      A.T. Still University of Health Sciences participates in the Professional Student Exchange Program administered by the Western Interstate Commission for Higher Education (WICHE), under which legal residents of western states without a public professional school in this field may receive preference in admission and reduced tuition at this institution. To be certified as eligible for this program, the student must write to the WICHE Certifying Officer in his/her state of legal residence for the program application form. For Physician Assistant (PA) students, WICHE is available for students who have their legal residence in Alaska, Nevada, and Wyoming, with limited funds available for Arizona students. The number of students to be supported in each state in this field depends upon state appropriations. For addresses of state certifying officers, consult the WICHE Professional Student Exchange Program, P.O. Box 9752, Boulder, Colorado 80301-9752 (telephone: 303.541.0214), or the WICHE website at http://www.wiche.edu.

      Women for ATSU Scholarship

      Each year one ASHS (AuD, AT, PA, PT, OT) female student is eligible to apply for a $1,000 scholarship. The student must be enrolled full-time and in good academic standing, demonstrate financial need (as verified by financial services) and have a minimum GPA of 3.0 (as verified by the Registrar). Preference will be given to permanent Arizona residents.

      The female student, in 150 words must answer the following: “Why did you choose your professional field?”

      Women for ATSU is a membership program that provides awareness and philanthropic support to A.T. Still University. Members include individuals in our community, business partners, University employees and alumni. Annual dues are pooled in a fund that members direct toward scholarships, programs and healthcare education projects at the University.

      Deadline to submit is April 17, 2015 (no later than 5:00 p.m.)

      Applications are available on the Women for ATSU website. Applications must be delivered in person to Student Affairs or sent by fax to 480.219.6188.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS Administration and Faculty and Student Affairs and final approval by the Dean.

      Miscellaneous Scholarship Links

      Tuition & Budget+

      Tuition is due twice a year at ASHS. It is due at the beginning of the first and third quarters. The tuition amount due each payment is half the cost for the entire year. Tuition may be paid any time during the week that it is due. Delinquent tuition penalties accrue at 1.5% per month, which is 18% per year.

      All budgets are listed below for the 15-16 academic year and are PDF files.

      Athletic Training
      First Year Budget Second Year Budget
      Audiology
      First Year Budget Second Year Budget Third Year Budget Fourth Year Budget
      Occupational Therapy Program
      First Year Budget Second Year Budget Third Year Budget
      Physician Assistant Program
      First Year Budget for Summer Quarter 2015 First Year Budget Second Year Budget
      Physical Therapy Program
      First Year Budget Second Year Budget Third Year Budget

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ASHS. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account. Generally, funds are available when tuition is due. (Students that have lenders that do not wire money to ATSU will receive their financial aid through a co-payable check.)

      Direct Deposit

      Many banks in states outside of Missouri make students wait 10 business days to tap their loan funds when deposited by check. Therefore, we require all students to use direct deposit where ATSU wires money to the student's bank account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Work Study+

      Federal Work-Study

      A student interested in work-study must fill out the FAFSA to determine eligibility. If eligible, the student contacts a potential supervisor to express his/her interest. If a position is available in that area, the student completes the work-study application forms and submits the forms to Student Financial Services. The student must complete all forms and have them approved by Human Resources before beginning work.

      Work-study earnings are considered a part of the total financial aid package. If the student earns $1,000 in work-study, that $1,000 cannot be awarded in other financial aid, such as loans. Students may not work more than 29 hours per week, and are responsible for keeping track of the amount worked so they do not go over their award.

      Students are encouraged to consider working in community service organizations. Hospice, nursing homes, and schools are some of the community service opportunities available.

      Kirksville - Federal Work Study Contacts

      Occupational Therapy +

      Where do I start?+

      THE 10 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. The school code for all campuses and programs of A.T. Still University of Health Sciences (ATSU) is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. A.T. Still University of Health Sciences receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student contacts Student Financial Services.

      5. Student Financial Services sends an electronic award letter to the student, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and submits all required forms to Student Financial Services.

      7. In addition, the student completes loan applications and master promissory notes as required.

      8. Student Financial Services looks over the required forms and performs verification if necessary.

      9. The lender wires the funds by Electronic Funds Transfer (EFT) to the school or sends the institution a loan check.

      10. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's direct deposit account on file.

      Financial Aid Brochure: Paying for Health Professions School

      FAFSA+

      Free application for federal student aid (FAFSA):


      • Must be filled out each year (after January 1st ) to apply for financial aid

      • Need prior year federal tax returns if required to file (Keep a copy of your return in case you are picked for verification.)

      • Apply on the web (fafsa.ed.gov) or by using paper FAFSA

      • School will receive information electronically if student lists school code (G02477)

      • Check your copy over. If you find errors, call the school before making corrections!

      • Parental information not required for Federal Stafford Loans, but must be included to be considered for Federal Perkins Loans

      General Information+

      Eligibility for Financial Assistance

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR), which is the output document the student receives after completing the FAFSA, and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $40,000 and the expected contribution is $5,000, the student's unmet financial need is $35,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as the private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Financial Services Director. Every effort is made to ensure that allowances in each category are realistic and fair. Periodically, students are given questionnaires to report their actual expenses in each category. This information is used in determining student budgets for the next academic year. Although the Financial Services Director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the private loans being based on creditworthiness.

      Verification

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to fafsa.ed.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions

      Professional judgment allows the Director the flexibility to evaluate individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the federal regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contributions, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning

      Financing a medical school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As an osteopathic student, for example, your long-term goal might be to set up a private practice in your home town. As you plan your strategies to reach this end, keep in mind that your short and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      • Have a written plan;
      • Set realistic goals;
      • Establish priorities;
      • Keep expenditures below income; and
      • Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. Because of accrued interest, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.


      ATSU Financial Aid Brochure

      Credit+

      A person's credit history is critically important in the world of finances. One's credit history in the fiscal world is comparable to one's academic transcript in the educational world. It can impact your interest rate on a home, whether or not your private student loan request will be approved, or determine whether you need a co-borrower for the loan, to name a few areas that can be impacted. Prospective employers, banks, and insurance companies all have access to your credit score. So…make sure you take care of your financial obligations on a timely basis – pay your bills on time! If you have trouble, contact that particular agency and communicate with them.

      If you would like to view your credit report, simply click on the link below. This will give you the opportunity to clear up any inaccuracies before you apply for private credit. You will also see areas you might be able to improve, such as canceling any credit cards you no longer use. And since you are requesting the report on your own behalf, it will not count as a “hit” on your credit. There is a fee for the report – but it is well worth the price if you can eliminate some frustrations down the road. It might be helpful to view the presentation “Understanding the Importance of Credit Scoring” before going to the link to view your personal credit history.

      Review your credit report on a yearly basis: www.annualcreditreport.com

      Understanding the Importance of Credit Scoring Presentation

      ATSU Policies+

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).


      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current payment period. The deadline for a student in a residential program is ten (10) days from the receipt of the financial aid SAP warning email.

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed.

      Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Resinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.


      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Refund Policy for Exiting Students

      A student who officially withdraws from any program while at A.T. Still University (ATSU) prior to the end of a payment period must complete an Exit Process form. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula

      For Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      For Clock Hour Programs - (Applies to KCOM only)

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining clock hours there are in the payment period divided by the total number of clock hours in that same payment period. The institution will pay back to the student (or lender) the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 430 clock hours but paid for 1,720 clock hours ATSU would have earned 25% of educational costs paid. Therefore, 75% of the educational costs paid are unearned. ATSU would refund to the student 75% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 1,720 Clock Hours = $24,250
      • Clock Hours enrolled by the student = 430
      • Clock Hours remaining in the payment period = 1,290 (1720-430)
      • 1290/1720 = 75% (Percentage of educational costs unearned by ATSU)
      • 75% of $24,250 = $18,187.50 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $18,187.50

      Return of Title IV Funds Formula

      For Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      For Clock hour Programs - (Applies to KCOM only)

      (For students who received federal financial assistance)

      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student. Unearned Title IV funds are based on how many clock hours are remaining in the payment period divided by the total number of clock hours in the payment period. Unearned Title IV funds will be returned to the lender. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 950 clock hours, but withdrew after 380 clock hours, the percentage of Title IV funds earned will be 40.0%. Unearned Title IV funds will be 60.0%. Therefore, ATSU will return 60.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 950 clock hours = $24,250.00
      • Clock hours of instruction received by student = 380
      • 380/950 = 40.0% (Percentage of Title IV funds earned)
      • 60.0% of $24,250.00 = $14,550.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $14,550.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Requirements for Return of Tuition Assistance (TA) Funds

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Refund Standards Per State

      D.C.
      Maryland
      Washington

      Overawards

      When an overaward occurs, the Director of Student Financial Services reviews the student's financial aid file. After necessary adjustments are made, the Director contacts the student informing him/her of the overaward and the adjustment which has to be made. Adjustments are normally made by reducing a subsequent loan disbursement. Upon rare occasions, a student must write a check to the lender to repay an overaward.

      Loans for Residential Students+

      Federal Loans


      Unsubsidized Federal Stafford Loan


      Amount: Eligibility varies depending on the course of study.

      • Medical or Dental Students. The Unsubsidized loan has up to a $47,166 maximum per year for a twelve month academic year. The total aggregate for Subsidized and Unsubsidized loans during undergraduate and graduate studies is $224,000.
      • Non-Medical or Non-Dental Students. The Unsubsidized loan has a $20,500 maximum per year. The total aggregate for Subsidized and Unsubsized loans during undergraduate and graduate studies is $138,500.

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 5.84%.

      Fees: 1.073% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 1.068%.

      Conditions: The borrower must fill out a FAFSA need analysis to determine the financial need. This loan can be used to replace an expected family contribution. It is given out in two equal disbursements when tuition is due.

      Repayment: The borrower has up to 10 years to repay this loan. Each borrower will go into repayment six months following graduation or withdrawal, unless the borrower qualifies for an economic hardship deferment.

      Grace Period: Each borrower has a six-month grace period for the Unsubsidized Federal Stafford Loan. The grace period must be used up before the borrower is eligible for deferment or forbearance.

      Federal Perkins Loan


      Amount: Award amounts are $8,000 a year with the maximum aggregate at $40,000.

      Interest: Interest does not begin accruing for the borrower until repayment begins. The interest rate is 5% and remains fixed throughout the life of the loan.

      Conditions: The borrower must fill out a FAFSA need analysis to demonstrate financial need. This loan is given out in two equal disbursements when tuition is due. A student may be awarded a Federal Perkins Loan under one of the following situations: (1) If the student has parental information submitted on the FAFSA and the parents' AGI is $50,000 to $55,000 or less; or (2) If the student's family size is four or greater.

      Repayment: Each borrower has up to 10 years to repay this loan. Borrower enters repayment following a nine-month grace period immediately after graduation or withdrawal.

      Fees: No origination or guarantee fee is taken out of the Federal Perkins Loan.

      Federal Graduate PLUS Loan


      Amount: Up to Cost of Education minus other financial assistance

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 6.84%.

      Repayment: The borrower has up to 10 years to repay this loan. Deferment and forbearances are available during post-graduate training.

      Fees: 4.292% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 4.272%.

      Short-term and Emergency Loans


      Students experiencing temporary cash flow shortages may receive short-term or emergency loans. These funds are intended to help students deal with unexpected expenses such as medical bills or major car repairs. Students sign a promissory note and pay back the loan when their financial aid is wired to the institution. Twelve percent simple interest is charged on all loans. Remember to allow for the decrease in the next financial aid disbursement when preparing a budget.

      Private Education Loan Applicant Self-Certification


      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Occupational Therapy Scholarships


      Annie Levy Memorial Scholarship

      This award provides financial assistance to students in good academic standing with a minimum GPA of 2.50 and enrolled in ATSU’s OT program. Preference will be given to students in their final year of the program.

      ASHS student Annie Levy was a graduating Occupational Therapy student with only one month left on her clinical rotations when she lost her life in a car accident on September 23, 2005, only three days after her 27th birthday. This award is in remembrance of Annie and her wonderful accomplishments.

      Applicants will write a brief (one page or less) statement explaining why they choose their field of study and what their goals are upon graduation.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS-OT Administration and Faculty and Student Affairs.

      Paula Tadano Memorial Scholarship

      This award provides financial assistance to students in good academic standing enrolled in ATSU’s OT program and among the top 1/3 in their class. Preference will be given to students who are bilingual, represent cultural diversity, or who exhibit a dedication to serving individuals from other cultures.

      Paula Tadano, a former ATSU faculty member who began working at ATSU in 1998, was dedicated to both occupational therapy (OT) and service to the community. A certified hand therapist, she worked in many areas of OT practice with both adults and children and helped develop much of the original OT curriculum at ATSU’s Arizona School of Health Sciences. Tadano was well-respected in the OT community for her service. She was a favorite faculty member for OT students and received several of the SGA Faculty of the Year awards. She volunteered for state and national OT organizations and worked to develop and teach several of the first interprofessional education courses that were offered to OT and physical therapy students. Tadano died in November 1999, only a few short months after being diagnosed with kidney cancer. This scholarship is dedicated to her role as an exemplary teacher, colleague, and friend and was arranged by her husband through several donations.

      Applicants must complete the appropriate application form, submit a resume with cover letter highlighting professional and community involvement, language skills and commitment to serving a cultural diverse community. The resume should include a contact person and phone number for any volunteer involvement outside ASHS.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS-OT Administration and Faculty and Student Affairs.

      General Scholarships

      National Health Service Corps Scholarship Program Women for ATSU Scholarship
      Indian Health Service Scholarship Program Arizona Army National Guard (PA and PT students only) (added 3/16/14)
      American Indian Graduate Center Margaret McNamara Memorial Fund (added 8/22/14)
      Western Interstate Commission for Higher Education (WICHE) Mesothelioma Cancer Alliance Scholarship (added 11/18/14)

      National Health Service Corps (NHSC) Scholarship Program - (PA program only)

      Indian Health Service Scholarship Program

      • Indian Health Service Scholarship Program
      • Toll-Free Help Line 1.800.221.9393
      • Pays full tuition and fees
      • Pays for required books, supplies and equipment, and student health insurance
      • Pays monthly stipend of approximately $1,185
      • Year for year obligation
      • Two-year minimum
      • Must have tribal papers

      American Indian Graduate Center

      Western Interstate Commission for Higher Education (WICHE) (OT , PT, and PA programs only)

      A.T. Still University of Health Sciences participates in the Professional Student Exchange Program administered by the Western Interstate Commission for Higher Education (WICHE), under which legal residents of western states without a public professional school in this field may receive preference in admission and reduced tuition at this institution. To be certified as eligible for this program, the student must write to the WICHE Certifying Officer in his/her state of legal residence for the program application form. For Physician Assistant (PA) students, WICHE is available for students who have their legal residence in Alaska, Nevada, and Wyoming, with limited funds available for Arizona students. The number of students to be supported in each state in this field depends upon state appropriations. For addresses of state certifying officers, consult the WICHE Professional Student Exchange Program, P.O. Box 9752, Boulder, Colorado 80301-9752 (telephone: 303.541.0214), or the WICHE website at http://www.wiche.edu.

      Women for ATSU Scholarship

      Each year one ASHS (AuD, AT, PA, PT, OT) female student is eligible to apply for a $1,000 scholarship. The student must be enrolled full-time and in good academic standing, demonstrate financial need (as verified by financial services) and have a minimum GPA of 3.0 (as verified by the Registrar). Preference will be given to permanent Arizona residents.

      The female student, in 150 words must answer the following: “Why did you choose your professional field?”

      Women for ATSU is a membership program that provides awareness and philanthropic support to A.T. Still University. Members include individuals in our community, business partners, University employees and alumni. Annual dues are pooled in a fund that members direct toward scholarships, programs and healthcare education projects at the University.

      Deadline to submit is April 17, 2015 (no later than 5:00 p.m.)

      Applications are available on the Women for ATSU website. Applications must be delivered in person to Student Affairs or sent by fax to 480.219.6188.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS Administration and Faculty and Student Affairs and final approval by the Dean.

      Miscellaneous Scholarship Links

      Tuition & Budget+

      Tuition is due twice a year at ASHS. It is due at the beginning of the first and third quarters. The tuition amount due each payment is half the cost for the entire year. Tuition may be paid any time during the week that it is due. Delinquent tuition penalties accrue at 1.5% per month, which is 18% per year.

      All budgets are listed below for the 15-16 academic year and are PDF files.

      Athletic Training
      First Year Budget Second Year Budget
      Audiology
      First Year Budget Second Year Budget Third Year Budget Fourth Year Budget
      Occupational Therapy Program
      First Year Budget Second Year Budget Third Year Budget
      Physician Assistant Program
      First Year Budget for Summer Quarter 2015 First Year Budget Second Year Budget
      Physical Therapy Program
      First Year Budget Second Year Budget Third Year Budget

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ASHS. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account. Generally, funds are available when tuition is due. (Students that have lenders that do not wire money to ATSU will receive their financial aid through a co-payable check.)

      Direct Deposit

      Many banks in states outside of Missouri make students wait 10 business days to tap their loan funds when deposited by check. Therefore, we require all students to use direct deposit where ATSU wires money to the student's bank account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Work Study+

      Federal Work-Study

      A student interested in work-study must fill out the FAFSA to determine eligibility. If eligible, the student contacts a potential supervisor to express his/her interest. If a position is available in that area, the student completes the work-study application forms and submits the forms to Student Financial Services. The student must complete all forms and have them approved by Human Resources before beginning work.

      Work-study earnings are considered a part of the total financial aid package. If the student earns $1,000 in work-study, that $1,000 cannot be awarded in other financial aid, such as loans. Students may not work more than 29 hours per week, and are responsible for keeping track of the amount worked so they do not go over their award.

      Students are encouraged to consider working in community service organizations. Hospice, nursing homes, and schools are some of the community service opportunities available.

      Kirksville - Federal Work Study Contacts

      Physical Therapy +

      Where do I start?+

      THE 10 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. The school code for all campuses and programs of A.T. Still University of Health Sciences (ATSU) is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. A.T. Still University of Health Sciences receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student contacts Student Financial Services.

      5. Student Financial Services sends an electronic award letter to the student, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and submits all required forms to Student Financial Services.

      7. In addition, the student completes loan applications and master promissory notes as required.

      8. Student Financial Services looks over the required forms and performs verification if necessary.

      9. The lender wires the funds by Electronic Funds Transfer (EFT) to the school or sends the institution a loan check.

      10. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's direct deposit account on file.

      Financial Aid Brochure: Paying for Health Professions School

      FAFSA+

      Free application for federal student aid (FAFSA):


      • Must be filled out each year (after January 1st ) to apply for financial aid

      • Need prior year federal tax returns if required to file (Keep a copy of your return in case you are picked for verification.)

      • Apply on the web (fafsa.ed.gov) or by using paper FAFSA

      • School will receive information electronically if student lists school code (G02477)

      • Check your copy over. If you find errors, call the school before making corrections!

      • Parental information not required for Federal Stafford Loans, but must be included to be considered for Federal Perkins Loans

      General Information+

      Eligibility for Financial Assistance

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR), which is the output document the student receives after completing the FAFSA, and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $40,000 and the expected contribution is $5,000, the student's unmet financial need is $35,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as the private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Financial Services Director. Every effort is made to ensure that allowances in each category are realistic and fair. Periodically, students are given questionnaires to report their actual expenses in each category. This information is used in determining student budgets for the next academic year. Although the Financial Services Director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the private loans being based on creditworthiness.

      Verification

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to fafsa.ed.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions

      Professional judgment allows the Director the flexibility to evaluate individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the federal regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contributions, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning

      Financing a medical school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As an osteopathic student, for example, your long-term goal might be to set up a private practice in your home town. As you plan your strategies to reach this end, keep in mind that your short and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      • Have a written plan;
      • Set realistic goals;
      • Establish priorities;
      • Keep expenditures below income; and
      • Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. Because of accrued interest, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.


      ATSU Financial Aid Brochure

      Credit+

      A person's credit history is critically important in the world of finances. One's credit history in the fiscal world is comparable to one's academic transcript in the educational world. It can impact your interest rate on a home, whether or not your private student loan request will be approved, or determine whether you need a co-borrower for the loan, to name a few areas that can be impacted. Prospective employers, banks, and insurance companies all have access to your credit score. So…make sure you take care of your financial obligations on a timely basis – pay your bills on time! If you have trouble, contact that particular agency and communicate with them.

      If you would like to view your credit report, simply click on the link below. This will give you the opportunity to clear up any inaccuracies before you apply for private credit. You will also see areas you might be able to improve, such as canceling any credit cards you no longer use. And since you are requesting the report on your own behalf, it will not count as a “hit” on your credit. There is a fee for the report – but it is well worth the price if you can eliminate some frustrations down the road. It might be helpful to view the presentation “Understanding the Importance of Credit Scoring” before going to the link to view your personal credit history.

      Review your credit report on a yearly basis: www.annualcreditreport.com

      Understanding the Importance of Credit Scoring Presentation

      ATSU Policies+

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).


      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current payment period. The deadline for a student in a residential program is ten (10) days from the receipt of the financial aid SAP warning email.

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed.

      Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Resinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.


      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Refund Policy for Exiting Students

      A student who officially withdraws from any program while at A.T. Still University (ATSU) prior to the end of a payment period must complete an Exit Process form. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula

      For Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      For Clock Hour Programs - (Applies to KCOM only)

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining clock hours there are in the payment period divided by the total number of clock hours in that same payment period. The institution will pay back to the student (or lender) the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 430 clock hours but paid for 1,720 clock hours ATSU would have earned 25% of educational costs paid. Therefore, 75% of the educational costs paid are unearned. ATSU would refund to the student 75% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 1,720 Clock Hours = $24,250
      • Clock Hours enrolled by the student = 430
      • Clock Hours remaining in the payment period = 1,290 (1720-430)
      • 1290/1720 = 75% (Percentage of educational costs unearned by ATSU)
      • 75% of $24,250 = $18,187.50 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $18,187.50

      Return of Title IV Funds Formula

      For Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      For Clock hour Programs - (Applies to KCOM only)

      (For students who received federal financial assistance)

      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student. Unearned Title IV funds are based on how many clock hours are remaining in the payment period divided by the total number of clock hours in the payment period. Unearned Title IV funds will be returned to the lender. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 950 clock hours, but withdrew after 380 clock hours, the percentage of Title IV funds earned will be 40.0%. Unearned Title IV funds will be 60.0%. Therefore, ATSU will return 60.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 950 clock hours = $24,250.00
      • Clock hours of instruction received by student = 380
      • 380/950 = 40.0% (Percentage of Title IV funds earned)
      • 60.0% of $24,250.00 = $14,550.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $14,550.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Requirements for Return of Tuition Assistance (TA) Funds

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Refund Standards Per State

      D.C.
      Maryland
      Washington

      Overawards

      When an overaward occurs, the Director of Student Financial Services reviews the student's financial aid file. After necessary adjustments are made, the Director contacts the student informing him/her of the overaward and the adjustment which has to be made. Adjustments are normally made by reducing a subsequent loan disbursement. Upon rare occasions, a student must write a check to the lender to repay an overaward.

      Loans for Residential Students+

      Federal Loans


      Unsubsidized Federal Stafford Loan


      Amount: Eligibility varies depending on the course of study.

      • Medical or Dental Students. The Unsubsidized loan has up to a $47,166 maximum per year for a twelve month academic year. The total aggregate for Subsidized and Unsubsidized loans during undergraduate and graduate studies is $224,000.
      • Non-Medical or Non-Dental Students. The Unsubsidized loan has a $20,500 maximum per year. The total aggregate for Subsidized and Unsubsized loans during undergraduate and graduate studies is $138,500.

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 5.84%.

      Fees: 1.073% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 1.068%.

      Conditions: The borrower must fill out a FAFSA need analysis to determine the financial need. This loan can be used to replace an expected family contribution. It is given out in two equal disbursements when tuition is due.

      Repayment: The borrower has up to 10 years to repay this loan. Each borrower will go into repayment six months following graduation or withdrawal, unless the borrower qualifies for an economic hardship deferment.

      Grace Period: Each borrower has a six-month grace period for the Unsubsidized Federal Stafford Loan. The grace period must be used up before the borrower is eligible for deferment or forbearance.

      Federal Perkins Loan


      Amount: Award amounts are $8,000 a year with the maximum aggregate at $40,000.

      Interest: Interest does not begin accruing for the borrower until repayment begins. The interest rate is 5% and remains fixed throughout the life of the loan.

      Conditions: The borrower must fill out a FAFSA need analysis to demonstrate financial need. This loan is given out in two equal disbursements when tuition is due. A student may be awarded a Federal Perkins Loan under one of the following situations: (1) If the student has parental information submitted on the FAFSA and the parents' AGI is $50,000 to $55,000 or less; or (2) If the student's family size is four or greater.

      Repayment: Each borrower has up to 10 years to repay this loan. Borrower enters repayment following a nine-month grace period immediately after graduation or withdrawal.

      Fees: No origination or guarantee fee is taken out of the Federal Perkins Loan.

      Federal Graduate PLUS Loan


      Amount: Up to Cost of Education minus other financial assistance

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 6.84%.

      Repayment: The borrower has up to 10 years to repay this loan. Deferment and forbearances are available during post-graduate training.

      Fees: 4.292% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 4.272%.

      Short-term and Emergency Loans


      Students experiencing temporary cash flow shortages may receive short-term or emergency loans. These funds are intended to help students deal with unexpected expenses such as medical bills or major car repairs. Students sign a promissory note and pay back the loan when their financial aid is wired to the institution. Twelve percent simple interest is charged on all loans. Remember to allow for the decrease in the next financial aid disbursement when preparing a budget.

      Private Education Loan Applicant Self-Certification


      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Physical Therapy Scholarships


      Mason Vig Memorial Scholarship

      One student in good academic standing with a minimum GPA of 3.0, currently enrolled as a 2nd year student in ATSU’s PT program, is eligible to be awarded $2,000.

      Physical Therapy student Mason Vig was enrolled in ATSU’s PT program when he died on February 17, 2012. This award honors Mason’s passion for helping. Mason lived a life by “paying it forward” with his love, smile and kindness, overcoming tremendous adversity and truly displayed a love of life where his passion for serving others made a positive impact on many.

      Eligible students will write an essay (not to exceed 500 words) on how you exemplify the characteristics that Mason displayed.

      Applicants will submit their essay via hard copy to Tresa Moralez no later than 8:30 a.m. Jan. 20. Essays must be written in times new roman, 12 pt font, double spaced with 1 inch margins.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS- PT Administration and Faculty. The award recipient will be notified no later than January 23, 2015 by the department chair.

      General Scholarships

      National Health Service Corps Scholarship Program Women for ATSU Scholarship
      Indian Health Service Scholarship Program Arizona Army National Guard (PA and PT students only) (added 3/16/14)
      American Indian Graduate Center Margaret McNamara Memorial Fund (added 8/22/14)
      Western Interstate Commission for Higher Education (WICHE) Mesothelioma Cancer Alliance Scholarship (added 11/18/14)

      National Health Service Corps (NHSC) Scholarship Program - (PA program only)

      Indian Health Service Scholarship Program

      • Indian Health Service Scholarship Program
      • Toll-Free Help Line 1.800.221.9393
      • Pays full tuition and fees
      • Pays for required books, supplies and equipment, and student health insurance
      • Pays monthly stipend of approximately $1,185
      • Year for year obligation
      • Two-year minimum
      • Must have tribal papers

      American Indian Graduate Center

      Western Interstate Commission for Higher Education (WICHE) (OT , PT, and PA programs only)

      A.T. Still University of Health Sciences participates in the Professional Student Exchange Program administered by the Western Interstate Commission for Higher Education (WICHE), under which legal residents of western states without a public professional school in this field may receive preference in admission and reduced tuition at this institution. To be certified as eligible for this program, the student must write to the WICHE Certifying Officer in his/her state of legal residence for the program application form. For Physician Assistant (PA) students, WICHE is available for students who have their legal residence in Alaska, Nevada, and Wyoming, with limited funds available for Arizona students. The number of students to be supported in each state in this field depends upon state appropriations. For addresses of state certifying officers, consult the WICHE Professional Student Exchange Program, P.O. Box 9752, Boulder, Colorado 80301-9752 (telephone: 303.541.0214), or the WICHE website at http://www.wiche.edu.

      Women for ATSU Scholarship

      Each year one ASHS (AuD, AT, PA, PT, OT) female student is eligible to apply for a $1,000 scholarship. The student must be enrolled full-time and in good academic standing, demonstrate financial need (as verified by financial services) and have a minimum GPA of 3.0 (as verified by the Registrar). Preference will be given to permanent Arizona residents.

      The female student, in 150 words must answer the following: “Why did you choose your professional field?”

      Women for ATSU is a membership program that provides awareness and philanthropic support to A.T. Still University. Members include individuals in our community, business partners, University employees and alumni. Annual dues are pooled in a fund that members direct toward scholarships, programs and healthcare education projects at the University.

      Deadline to submit is April 17, 2015 (no later than 5:00 p.m.)

      Applications are available on the Women for ATSU website. Applications must be delivered in person to Student Affairs or sent by fax to 480.219.6188.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS Administration and Faculty and Student Affairs and final approval by the Dean.

      Miscellaneous Scholarship Links

      Tuition & Budget+

      Tuition is due twice a year at ASHS. It is due at the beginning of the first and third quarters. The tuition amount due each payment is half the cost for the entire year. Tuition may be paid any time during the week that it is due. Delinquent tuition penalties accrue at 1.5% per month, which is 18% per year.

      All budgets are listed below for the 15-16 academic year and are PDF files.

      Athletic Training
      First Year Budget Second Year Budget
      Audiology
      First Year Budget Second Year Budget Third Year Budget Fourth Year Budget
      Occupational Therapy Program
      First Year Budget Second Year Budget Third Year Budget
      Physician Assistant Program
      First Year Budget for Summer Quarter 2015 First Year Budget Second Year Budget
      Physical Therapy Program
      First Year Budget Second Year Budget Third Year Budget

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ASHS. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account. Generally, funds are available when tuition is due. (Students that have lenders that do not wire money to ATSU will receive their financial aid through a co-payable check.)

      Direct Deposit

      Many banks in states outside of Missouri make students wait 10 business days to tap their loan funds when deposited by check. Therefore, we require all students to use direct deposit where ATSU wires money to the student's bank account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Work Study+

      Federal Work-Study

      A student interested in work-study must fill out the FAFSA to determine eligibility. If eligible, the student contacts a potential supervisor to express his/her interest. If a position is available in that area, the student completes the work-study application forms and submits the forms to Student Financial Services. The student must complete all forms and have them approved by Human Resources before beginning work.

      Work-study earnings are considered a part of the total financial aid package. If the student earns $1,000 in work-study, that $1,000 cannot be awarded in other financial aid, such as loans. Students may not work more than 29 hours per week, and are responsible for keeping track of the amount worked so they do not go over their award.

      Students are encouraged to consider working in community service organizations. Hospice, nursing homes, and schools are some of the community service opportunities available.

      Kirksville - Federal Work Study Contacts

      Physician Assistant +

      Where do I start?+

      THE 10 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:


      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. The school code for all campuses and programs of A.T. Still University of Health Sciences (ATSU) is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. A.T. Still University of Health Sciences receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student contacts Student Financial Services.

      5. Student Financial Services sends an electronic award letter to the student, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and submits all required forms to Student Financial Services.

      7. In addition, the student completes loan applications and master promissory notes as required.

      8. Student Financial Services looks over the required forms and performs verification if necessary.

      9. The lender wires the funds by Electronic Funds Transfer (EFT) to the school or sends the institution a loan check.

      10. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's direct deposit account on file.

      Financial Aid Brochure: Paying for Health Professions School

      FAFSA+

      Free application for federal student aid (FAFSA):


      • Must be filled out each year (after January 1st ) to apply for financial aid

      • Need prior year federal tax returns if required to file (Keep a copy of your return in case you are picked for verification.)

      • Apply on the web (fafsa.ed.gov) or by using paper FAFSA

      • School will receive information electronically if student lists school code (G02477)

      • Check your copy over. If you find errors, call the school before making corrections!

      • Parental information not required for Federal Stafford Loans, but must be included to be considered for Federal Perkins Loans

      General Information+

      Eligibility for Financial Assistance

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR), which is the output document the student receives after completing the FAFSA, and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $40,000 and the expected contribution is $5,000, the student's unmet financial need is $35,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on parents or other outside resources. It is of critical importance to be creditworthy, as the private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Financial Services Director. Every effort is made to ensure that allowances in each category are realistic and fair. Periodically, students are given questionnaires to report their actual expenses in each category. This information is used in determining student budgets for the next academic year. Although the Financial Services Director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the private loans being based on creditworthiness.

      Verification

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to fafsa.ed.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions

      Professional judgment allows the Director the flexibility to evaluate individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the federal regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contributions, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning

      Financing a medical school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As an osteopathic student, for example, your long-term goal might be to set up a private practice in your home town. As you plan your strategies to reach this end, keep in mind that your short and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      • Have a written plan;
      • Set realistic goals;
      • Establish priorities;
      • Keep expenditures below income; and
      • Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. Because of accrued interest, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.


      ATSU Financial Aid Brochure

      Credit+

      A person's credit history is critically important in the world of finances. One's credit history in the fiscal world is comparable to one's academic transcript in the educational world. It can impact your interest rate on a home, whether or not your private student loan request will be approved, or determine whether you need a co-borrower for the loan, to name a few areas that can be impacted. Prospective employers, banks, and insurance companies all have access to your credit score. So…make sure you take care of your financial obligations on a timely basis – pay your bills on time! If you have trouble, contact that particular agency and communicate with them.

      If you would like to view your credit report, simply click on the link below. This will give you the opportunity to clear up any inaccuracies before you apply for private credit. You will also see areas you might be able to improve, such as canceling any credit cards you no longer use. And since you are requesting the report on your own behalf, it will not count as a “hit” on your credit. There is a fee for the report – but it is well worth the price if you can eliminate some frustrations down the road. It might be helpful to view the presentation “Understanding the Importance of Credit Scoring” before going to the link to view your personal credit history.

      Review your credit report on a yearly basis: www.annualcreditreport.com

      Understanding the Importance of Credit Scoring Presentation

      ATSU Policies+

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).


      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current payment period. The deadline for a student in a residential program is ten (10) days from the receipt of the financial aid SAP warning email.

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed.

      Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Resinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.


      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Academic Credit

      Each quarter credit represents a minimum of 12 contact hours. Variations in contact hours are dependent upon class size, class format (lecture, lab, clinical work, discussion, online) and program accreditation standards. One quarter credit is equivalent to 0.67 semester credit, rounded to the nearest tenth of a credit.

      Refund Policy for Exiting Students

      A student who officially withdraws from any program while at A.T. Still University (ATSU) prior to the end of a payment period must complete an Exit Process form. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula

      For Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      For Clock Hour Programs - (Applies to KCOM only)

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula - This formula gives the students the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining clock hours there are in the payment period divided by the total number of clock hours in that same payment period. The institution will pay back to the student (or lender) the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 430 clock hours but paid for 1,720 clock hours ATSU would have earned 25% of educational costs paid. Therefore, 75% of the educational costs paid are unearned. ATSU would refund to the student 75% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 1,720 Clock Hours = $24,250
      • Clock Hours enrolled by the student = 430
      • Clock Hours remaining in the payment period = 1,290 (1720-430)
      • 1290/1720 = 75% (Percentage of educational costs unearned by ATSU)
      • 75% of $24,250 = $18,187.50 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $18,187.50

      Return of Title IV Funds Formula

      For Credit Hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      For Clock hour Programs - (Applies to KCOM only)

      (For students who received federal financial assistance)

      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student. Unearned Title IV funds are based on how many clock hours are remaining in the payment period divided by the total number of clock hours in the payment period. Unearned Title IV funds will be returned to the lender. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 950 clock hours, but withdrew after 380 clock hours, the percentage of Title IV funds earned will be 40.0%. Unearned Title IV funds will be 60.0%. Therefore, ATSU will return 60.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 950 clock hours = $24,250.00
      • Clock hours of instruction received by student = 380
      • 380/950 = 40.0% (Percentage of Title IV funds earned)
      • 60.0% of $24,250.00 = $14,550.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $14,550.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Requirements for Return of Tuition Assistance (TA) Funds

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Refund Standards Per State

      D.C.
      Maryland
      Washington

      Overawards

      When an overaward occurs, the Director of Student Financial Services reviews the student's financial aid file. After necessary adjustments are made, the Director contacts the student informing him/her of the overaward and the adjustment which has to be made. Adjustments are normally made by reducing a subsequent loan disbursement. Upon rare occasions, a student must write a check to the lender to repay an overaward.

      Loans for Residential Students+

      Federal Loans


      Unsubsidized Federal Stafford Loan


      Amount: Eligibility varies depending on the course of study.

      • Medical or Dental Students. The Unsubsidized loan has up to a $47,166 maximum per year for a twelve month academic year. The total aggregate for Subsidized and Unsubsidized loans during undergraduate and graduate studies is $224,000.
      • Non-Medical or Non-Dental Students. The Unsubsidized loan has a $20,500 maximum per year. The total aggregate for Subsidized and Unsubsized loans during undergraduate and graduate studies is $138,500.

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 5.84%.

      Fees: 1.073% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 1.068%.

      Conditions: The borrower must fill out a FAFSA need analysis to determine the financial need. This loan can be used to replace an expected family contribution. It is given out in two equal disbursements when tuition is due.

      Repayment: The borrower has up to 10 years to repay this loan. Each borrower will go into repayment six months following graduation or withdrawal, unless the borrower qualifies for an economic hardship deferment.

      Grace Period: Each borrower has a six-month grace period for the Unsubsidized Federal Stafford Loan. The grace period must be used up before the borrower is eligible for deferment or forbearance.

      Federal Perkins Loan


      Amount: Award amounts are $8,000 a year with the maximum aggregate at $40,000.

      Interest: Interest does not begin accruing for the borrower until repayment begins. The interest rate is 5% and remains fixed throughout the life of the loan.

      Conditions: The borrower must fill out a FAFSA need analysis to demonstrate financial need. This loan is given out in two equal disbursements when tuition is due. A student may be awarded a Federal Perkins Loan under one of the following situations: (1) If the student has parental information submitted on the FAFSA and the parents' AGI is $50,000 to $55,000 or less; or (2) If the student's family size is four or greater.

      Repayment: Each borrower has up to 10 years to repay this loan. Borrower enters repayment following a nine-month grace period immediately after graduation or withdrawal.

      Fees: No origination or guarantee fee is taken out of the Federal Perkins Loan.

      Federal Graduate PLUS Loan


      Amount: Up to Cost of Education minus other financial assistance

      Interest: Interest begins accruing for the borrower when funds are wired to the school. The interest rate for the 2015/16 year will be fixed throughout repayment at 6.84%.

      Repayment: The borrower has up to 10 years to repay this loan. Deferment and forbearances are available during post-graduate training.

      Fees: 4.292% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2014 to September 30, 2015. Beginning October 1, 2015, the origination fee will be 4.272%.

      Short-term and Emergency Loans


      Students experiencing temporary cash flow shortages may receive short-term or emergency loans. These funds are intended to help students deal with unexpected expenses such as medical bills or major car repairs. Students sign a promissory note and pay back the loan when their financial aid is wired to the institution. Twelve percent simple interest is charged on all loans. Remember to allow for the decrease in the next financial aid disbursement when preparing a budget.

      Private Education Loan Applicant Self-Certification


      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Physician Assistant Scholarships


      Physician Assistant Scholarship

      The $2,000 PA Student Scholarship is awarded annually to a clinical year student who will locate their practice to a rural underserved community. The practice must be in a primary care discipline. To be eligible for the award the student must be in good academic standing and have a signed contract with a rural practice or a letter of intent to hire from a practice in a qualified area.

      Joe Gibson Scholarship

      This award provides financial assistance to students in good academic standing enrolled in ATSU’s PA program.

      Dr. Joe Gibson was a Phoenix area Emergency Medicine Physician who was killed while on a training run in December 2009. Dr. Gibson exemplified many qualities which current education programs seek to instill in their students: dedication to improving medicine, wonderful bedside manner, a collaborative team spirit at work and a well-rounded lifestyle. Applicants will be chosen based on the following criteria and will submit a one page of less statement demonstrating these qualities:

      • Leads or participates in activities related to the school and/or community charities in additional to normal expected academic pursuits. In doing so, this individual represents a well-balanced professional lifestyle

      Qualifying applications will be reviewed by an awards committee comprised of ASHS-PA Administration and Faculty and Student Affairs.

      General Scholarships

      National Health Service Corps Scholarship Program Women for ATSU Scholarship
      Indian Health Service Scholarship Program Arizona Army National Guard (PA and PT students only) (added 3/16/14)
      American Indian Graduate Center Margaret McNamara Memorial Fund (added 8/22/14)
      Western Interstate Commission for Higher Education (WICHE) Mesothelioma Cancer Alliance Scholarship (added 11/18/14)

      National Health Service Corps (NHSC) Scholarship Program - (PA program only)

      Indian Health Service Scholarship Program

      • Indian Health Service Scholarship Program
      • Toll-Free Help Line 1.800.221.9393
      • Pays full tuition and fees
      • Pays for required books, supplies and equipment, and student health insurance
      • Pays monthly stipend of approximately $1,185
      • Year for year obligation
      • Two-year minimum
      • Must have tribal papers

      American Indian Graduate Center

      Western Interstate Commission for Higher Education (WICHE) (OT , PT, and PA programs only)

      A.T. Still University of Health Sciences participates in the Professional Student Exchange Program administered by the Western Interstate Commission for Higher Education (WICHE), under which legal residents of western states without a public professional school in this field may receive preference in admission and reduced tuition at this institution. To be certified as eligible for this program, the student must write to the WICHE Certifying Officer in his/her state of legal residence for the program application form. For Physician Assistant (PA) students, WICHE is available for students who have their legal residence in Alaska, Nevada, and Wyoming, with limited funds available for Arizona students. The number of students to be supported in each state in this field depends upon state appropriations. For addresses of state certifying officers, consult the WICHE Professional Student Exchange Program, P.O. Box 9752, Boulder, Colorado 80301-9752 (telephone: 303.541.0214), or the WICHE website at http://www.wiche.edu.

      Women for ATSU Scholarship

      Each year one ASHS (AuD, AT, PA, PT, OT) female student is eligible to apply for a $1,000 scholarship. The student must be enrolled full-time and in good academic standing, demonstrate financial need (as verified by financial services) and have a minimum GPA of 3.0 (as verified by the Registrar). Preference will be given to permanent Arizona residents.

      The female student, in 150 words must answer the following: “Why did you choose your professional field?”

      Women for ATSU is a membership program that provides awareness and philanthropic support to A.T. Still University. Members include individuals in our community, business partners, University employees and alumni. Annual dues are pooled in a fund that members direct toward scholarships, programs and healthcare education projects at the University.

      Deadline to submit is April 17, 2015 (no later than 5:00 p.m.)

      Applications are available on the Women for ATSU website. Applications must be delivered in person to Student Affairs or sent by fax to 480.219.6188.

      Qualifying applications will be reviewed by an awards committee comprised of ASHS Administration and Faculty and Student Affairs and final approval by the Dean.

      Miscellaneous Scholarship Links

      Tuition & Budget+

      Tuition is due twice a year at ASHS. It is due at the beginning of the first and third quarters. The tuition amount due each payment is half the cost for the entire year. Tuition may be paid any time during the week that it is due. Delinquent tuition penalties accrue at 1.5% per month, which is 18% per year.

      All budgets are listed below for the 15-16 academic year and are PDF files.

      Athletic Training
      First Year Budget Second Year Budget
      Audiology
      First Year Budget Second Year Budget Third Year Budget Fourth Year Budget
      Occupational Therapy Program
      First Year Budget Second Year Budget Third Year Budget
      Physician Assistant Program
      First Year Budget for Summer Quarter 2015 First Year Budget Second Year Budget
      Physical Therapy Program
      First Year Budget Second Year Budget Third Year Budget

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ASHS. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account. Generally, funds are available when tuition is due. (Students that have lenders that do not wire money to ATSU will receive their financial aid through a co-payable check.)

      Direct Deposit

      Many banks in states outside of Missouri make students wait 10 business days to tap their loan funds when deposited by check. Therefore, we require all students to use direct deposit where ATSU wires money to the student's bank account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Work Study+

      Federal Work-Study

      A student interested in work-study must fill out the FAFSA to determine eligibility. If eligible, the student contacts a potential supervisor to express his/her interest. If a position is available in that area, the student completes the work-study application forms and submits the forms to Student Financial Services. The student must complete all forms and have them approved by Human Resources before beginning work.

      Work-study earnings are considered a part of the total financial aid package. If the student earns $1,000 in work-study, that $1,000 cannot be awarded in other financial aid, such as loans. Students may not work more than 29 hours per week, and are responsible for keeping track of the amount worked so they do not go over their award.

      Students are encouraged to consider working in community service organizations. Hospice, nursing homes, and schools are some of the community service opportunities available.

      Kirksville - Federal Work Study Contacts

  • College of Graduate Health Studies +

    • Health Administration+

      Financial Aid Information

      Required Steps+

      Students must be registered at least half-time to receive financial aid. Half-time is defined as taking 5 credits per semester or 2 1/2 credits per block. Financial Aid is available to students who are simultaneously enrolled in multiple programs. Contact the Student Financial Services at 866.626.2878 Ext. 2529 for further information. All students receiving financial aid, whether through Student Financial Services or other institutions, must notify our office of their status.

      THE 9 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:

      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. A. T. Still University of Health Sciences school code is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. ATSU receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student can make corrections or contact the Student Financial Services office.

      5. Student Financial Services performs verification and then sends an electronic award letter to the student's ATSU email address, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and completes all required documentation in the award letter process.

      7. Student Financial Services looks over the required forms and transmits the loan data.

      8. The lender wires the funds by Electronic Funds Transfer (EFT) to the school.

      9. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's bank account.

      Eligibility for Financial Assistance+

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR) and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $9,000 and the expected contribution is $5,000, the student's unmet financial need is $4,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on other outside resources. It is of critical importance to be creditworthy, as most private loans require a credit check.

      Satisfactory Academic Progress for Federal Financial Aid+

      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards.

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).

      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current block or term. The deadline to submit a written appeal for reinstatement for the online programs are listed below:

      College of Graduate Health Studies (CGHS) SAP Appeal Deadline
      Fall Block 1, 2015-16 September 20, 2015
      Fall Block 2, 2015-16 December 13, 2015
      Spring Block 1, 2015-16   March 13, 2016
      Spring Block 2, 2015 -16 May 29, 2016

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2015-16 November 22, 2015
      Winter Quarter, 2015-16 March 6, 2016
      Spring Quarter, 2015-16 June 5, 2016
      Summer Quarter, 2015-16 August 7, 2016

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed. Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Reinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.

      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Enrollment Status Policy+

      Enrollment Status Definitions

      1 quarter credit = .67 semester credit

      Program Minimum # of Credit Hours Minimum # of Credit Hours
      Full-time Half-time
      Osteopathic Medicine and Dental Programs Enrollment is always full-time
      ASHS programs 9 credits per quarter 5 credits per quarter
      CGHS programs 9 credits per semester or 4 1/2 credits per block 5 credits per semester or 2 1/2 credits per block

      Student Budget Determination+

      The student expense budget is determined each year by the director of Student Financial Services. Every effort is made to ensure that allowances in each category are realistic and fair. Although the director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the Graduate Plus loan and some private loans being based on creditworthiness.

      Verification+

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to www.fafsa.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions+

      Professional judgment allows the Director the flexibility to handle individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contribution, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning+

      Setting Goals

      Financing a graduate school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As you plan your strategies to reach this end goal, keep in mind that your short- and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      1. Have a written plan;
      2. Set realistic goals;
      3. Establish priorities;
      4. Keep expenditures below income; and
      5. Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. In the end, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.

      Tuition+

      Tuition is due two weeks (14 calendar days) prior to the first day of class. The tuition due each block is based on the credit hours being taken by the student during that specific block. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account.

      Direct Deposit

      Many banks outside of Missouri require a waiting period before funds are available for students when loan proceeds are deposited by check. Therefore, we strongly recommend that all students use direct deposit where ATSU wires money to the student's checking account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Refund Policy+

      A student who completely exits (as opposed to merely dropping or withdrawing from a class or two) from the College of Graduate Health Studies (CGHS) program prior to the end of an academic block must complete an "Exit Process" form available from the CGHS program office. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula - for Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula – This formula gives the student the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      Return of Title IV Funds Formula - for Credit hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Refund Policy for Student Withdrawals

      An online student who withdraws from a class in the block (but does not exit the program) will be subject to the following refund policy:

      Student withdraws from a class between calendar days 1-7 of the block 100% refund
      Student withdraws from a class between calendar days 8-14 of the block 50% refund
      Student withdraws from a class after the 14th day of the block or thereafter 0% refund

      Post-Withdrawal Disbursement Policy+

      Every ATSU student who matriculates earns a portion of the Title IV, HEA funds from day one. Effective immediately, each student who withdraws before the Title IV funds are disbursed, and has requested loan funds, will be offered a post-withdrawal disbursement notice in writing within 30 days of when ATSU determined the student withdrew. Please note:

      1. We will remind the student these are federal loans and must be repaid.
      2. We will discourage the student from borrowing any more than is necessary, and may even suggest the student cancel the loan completely.
      3. We will require the student to confirm how much, if any, of the post-withdrawal disbursement the student desires. If the student doesn’t respond within 30 days of the notification, no disbursement will be issued to the student.
      4. All post-withdrawal disbursements will be made as soon as possible, but no later than 180 days of when ATSU determined the student withdrew.

      Requirements for Return of Tuition Assistance (TA) Funds+

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Budgets+

      Online Financial Aid Budget for 2015-16 Academic Year

      DHA DHED DHSc MHA HM/KINE MPH and MPH-DE
      Tuition $750/credit $488/credit $491/credit $478/credit $491/credit $478/credit
      Computer $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY)
      Books $57/credit $57/credit $57/credit $57/credit $57/credit $57/credit
      Internet Service $168/block $168/block $168/block $168/block $168/block $168/block
      Travel $0 $0 $1,550 (Institute) $900 (RLI Travel) $1,550 (Institute) $0
      Technology Fee $150/block $150/block $150/block $150/block $150/block $150/block

      Online Financial Aid Budget for 2014-15 Academic Year

      DHA DHED DHSc MHA HM/KINE MPH and MPH-DE
      Tuition $750/credit $474/credit $477/credit $464/credit $477/credit $464/credit
      Computer $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY)
      Books $56/credit $56/credit $56/credit $56/credit $56/credit $56/credit
      Internet Service $165/block $165/block $165/block $165/block $165/block $165/block
      Travel $0 $0 $1,575 (Institute) $915 (RLI Travel) $1,575 (Institute) $0
      Technology Fee $150/block $150/block $150/block $150/block $150/block $150/block

      Private Education Loan Applicant Self-Certification+

      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Miscellaneous Scholarship Links

      Health Education+

      Financial Aid Information

      Required Steps+

      Students must be registered at least half-time to receive financial aid. Half-time is defined as taking 5 credits per semester or 2 1/2 credits per block. Financial Aid is available to students who are simultaneously enrolled in multiple programs. Contact the Student Financial Services at 866.626.2878 Ext. 2529 for further information. All students receiving financial aid, whether through Student Financial Services or other institutions, must notify our office of their status.

      THE 9 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:

      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. A. T. Still University of Health Sciences school code is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. ATSU receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student can make corrections or contact the Student Financial Services office.

      5. Student Financial Services performs verification and then sends an electronic award letter to the student's ATSU email address, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and completes all required documentation in the award letter process.

      7. Student Financial Services looks over the required forms and transmits the loan data.

      8. The lender wires the funds by Electronic Funds Transfer (EFT) to the school.

      9. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's bank account.

      Eligibility for Financial Assistance+

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR) and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $9,000 and the expected contribution is $5,000, the student's unmet financial need is $4,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on other outside resources. It is of critical importance to be creditworthy, as most private loans require a credit check.

      Satisfactory Academic Progress for Federal Financial Aid+

      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards.

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).

      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current block or term. The deadline to submit a written appeal for reinstatement for the online programs are listed below:

      College of Graduate Health Studies (CGHS) SAP Appeal Deadline
      Fall Block 1, 2015-16 September 20, 2015
      Fall Block 2, 2015-16 December 13, 2015
      Spring Block 1, 2015-16   March 13, 2016
      Spring Block 2, 2015 -16 May 29, 2016

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2015-16 November 22, 2015
      Winter Quarter, 2015-16 March 6, 2016
      Spring Quarter, 2015-16 June 5, 2016
      Summer Quarter, 2015-16 August 7, 2016

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed. Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Reinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.

      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Enrollment Status Policy+

      Enrollment Status Definitions

      1 quarter credit = .67 semester credit

      Program Minimum # of Credit Hours Minimum # of Credit Hours
      Full-time Half-time
      Osteopathic Medicine and Dental Programs Enrollment is always full-time
      ASHS programs 9 credits per quarter 5 credits per quarter
      CGHS programs 9 credits per semester or 4 1/2 credits per block 5 credits per semester or 2 1/2 credits per block

      Student Budget Determination+

      The student expense budget is determined each year by the director of Student Financial Services. Every effort is made to ensure that allowances in each category are realistic and fair. Although the director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the Graduate Plus loan and some private loans being based on creditworthiness.

      Verification+

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to www.fafsa.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions+

      Professional judgment allows the Director the flexibility to handle individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contribution, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning+

      Setting Goals

      Financing a graduate school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As you plan your strategies to reach this end goal, keep in mind that your short- and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      1. Have a written plan;
      2. Set realistic goals;
      3. Establish priorities;
      4. Keep expenditures below income; and
      5. Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. In the end, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.

      Tuition+

      Tuition is due two weeks (14 calendar days) prior to the first day of class. The tuition due each block is based on the credit hours being taken by the student during that specific block. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account.

      Direct Deposit

      Many banks outside of Missouri require a waiting period before funds are available for students when loan proceeds are deposited by check. Therefore, we strongly recommend that all students use direct deposit where ATSU wires money to the student's checking account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Refund Policy+

      A student who completely exits (as opposed to merely dropping or withdrawing from a class or two) from the College of Graduate Health Studies (CGHS) program prior to the end of an academic block must complete an "Exit Process" form available from the CGHS program office. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula - for Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula – This formula gives the student the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      Return of Title IV Funds Formula - for Credit hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Refund Policy for Student Withdrawals

      An online student who withdraws from a class in the block (but does not exit the program) will be subject to the following refund policy:

      Student withdraws from a class between calendar days 1-7 of the block 100% refund
      Student withdraws from a class between calendar days 8-14 of the block 50% refund
      Student withdraws from a class after the 14th day of the block or thereafter 0% refund

      Post-Withdrawal Disbursement Policy+

      Every ATSU student who matriculates earns a portion of the Title IV, HEA funds from day one. Effective immediately, each student who withdraws before the Title IV funds are disbursed, and has requested loan funds, will be offered a post-withdrawal disbursement notice in writing within 30 days of when ATSU determined the student withdrew. Please note:

      1. We will remind the student these are federal loans and must be repaid.
      2. We will discourage the student from borrowing any more than is necessary, and may even suggest the student cancel the loan completely.
      3. We will require the student to confirm how much, if any, of the post-withdrawal disbursement the student desires. If the student doesn’t respond within 30 days of the notification, no disbursement will be issued to the student.
      4. All post-withdrawal disbursements will be made as soon as possible, but no later than 180 days of when ATSU determined the student withdrew.

      Requirements for Return of Tuition Assistance (TA) Funds+

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Budgets+

      Online Financial Aid Budget for 2015-16 Academic Year

      DHA DHED DHSc MHA HM/KINE MPH and MPH-DE
      Tuition $750/credit $488/credit $491/credit $478/credit $491/credit $478/credit
      Computer $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY)
      Books $57/credit $57/credit $57/credit $57/credit $57/credit $57/credit
      Internet Service $168/block $168/block $168/block $168/block $168/block $168/block
      Travel $0 $0 $1,550 (Institute) $900 (RLI Travel) $1,550 (Institute) $0
      Technology Fee $150/block $150/block $150/block $150/block $150/block $150/block

      Online Financial Aid Budget for 2014-15 Academic Year

      DHA DHED DHSc MHA HM/KINE MPH and MPH-DE
      Tuition $750/credit $474/credit $477/credit $464/credit $477/credit $464/credit
      Computer $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY)
      Books $56/credit $56/credit $56/credit $56/credit $56/credit $56/credit
      Internet Service $165/block $165/block $165/block $165/block $165/block $165/block
      Travel $0 $0 $1,575 (Institute) $915 (RLI Travel) $1,575 (Institute) $0
      Technology Fee $150/block $150/block $150/block $150/block $150/block $150/block

      Private Education Loan Applicant Self-Certification+

      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Miscellaneous Scholarship Links

      Health Sciences+

      Financial Aid Information

      Required Steps+

      Students must be registered at least half-time to receive financial aid. Half-time is defined as taking 5 credits per semester or 2 1/2 credits per block. Financial Aid is available to students who are simultaneously enrolled in multiple programs. Contact the Student Financial Services at 866.626.2878 Ext. 2529 for further information. All students receiving financial aid, whether through Student Financial Services or other institutions, must notify our office of their status.

      THE 9 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:

      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. A. T. Still University of Health Sciences school code is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. ATSU receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student can make corrections or contact the Student Financial Services office.

      5. Student Financial Services performs verification and then sends an electronic award letter to the student's ATSU email address, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and completes all required documentation in the award letter process.

      7. Student Financial Services looks over the required forms and transmits the loan data.

      8. The lender wires the funds by Electronic Funds Transfer (EFT) to the school.

      9. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's bank account.

      Eligibility for Financial Assistance+

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR) and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $9,000 and the expected contribution is $5,000, the student's unmet financial need is $4,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on other outside resources. It is of critical importance to be creditworthy, as most private loans require a credit check.

      Satisfactory Academic Progress for Federal Financial Aid+

      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards.

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).

      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current block or term. The deadline to submit a written appeal for reinstatement for the online programs are listed below:

      College of Graduate Health Studies (CGHS) SAP Appeal Deadline
      Fall Block 1, 2015-16 September 20, 2015
      Fall Block 2, 2015-16 December 13, 2015
      Spring Block 1, 2015-16   March 13, 2016
      Spring Block 2, 2015 -16 May 29, 2016

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2015-16 November 22, 2015
      Winter Quarter, 2015-16 March 6, 2016
      Spring Quarter, 2015-16 June 5, 2016
      Summer Quarter, 2015-16 August 7, 2016

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed. Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Reinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.

      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Enrollment Status Policy+

      Enrollment Status Definitions

      1 quarter credit = .67 semester credit

      Program Minimum # of Credit Hours Minimum # of Credit Hours
      Full-time Half-time
      Osteopathic Medicine and Dental Programs Enrollment is always full-time
      ASHS programs 9 credits per quarter 5 credits per quarter
      CGHS programs 9 credits per semester or 4 1/2 credits per block 5 credits per semester or 2 1/2 credits per block

      Student Budget Determination+

      The student expense budget is determined each year by the director of Student Financial Services. Every effort is made to ensure that allowances in each category are realistic and fair. Although the director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the Graduate Plus loan and some private loans being based on creditworthiness.

      Verification+

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to www.fafsa.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions+

      Professional judgment allows the Director the flexibility to handle individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contribution, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning+

      Setting Goals

      Financing a graduate school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As you plan your strategies to reach this end goal, keep in mind that your short- and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      1. Have a written plan;
      2. Set realistic goals;
      3. Establish priorities;
      4. Keep expenditures below income; and
      5. Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. In the end, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.

      Tuition+

      Tuition is due two weeks (14 calendar days) prior to the first day of class. The tuition due each block is based on the credit hours being taken by the student during that specific block. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account.

      Direct Deposit

      Many banks outside of Missouri require a waiting period before funds are available for students when loan proceeds are deposited by check. Therefore, we strongly recommend that all students use direct deposit where ATSU wires money to the student's checking account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Refund Policy+

      A student who completely exits (as opposed to merely dropping or withdrawing from a class or two) from the College of Graduate Health Studies (CGHS) program prior to the end of an academic block must complete an "Exit Process" form available from the CGHS program office. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula - for Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula – This formula gives the student the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      Return of Title IV Funds Formula - for Credit hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Refund Policy for Student Withdrawals

      An online student who withdraws from a class in the block (but does not exit the program) will be subject to the following refund policy:

      Student withdraws from a class between calendar days 1-7 of the block 100% refund
      Student withdraws from a class between calendar days 8-14 of the block 50% refund
      Student withdraws from a class after the 14th day of the block or thereafter 0% refund

      Post-Withdrawal Disbursement Policy+

      Every ATSU student who matriculates earns a portion of the Title IV, HEA funds from day one. Effective immediately, each student who withdraws before the Title IV funds are disbursed, and has requested loan funds, will be offered a post-withdrawal disbursement notice in writing within 30 days of when ATSU determined the student withdrew. Please note:

      1. We will remind the student these are federal loans and must be repaid.
      2. We will discourage the student from borrowing any more than is necessary, and may even suggest the student cancel the loan completely.
      3. We will require the student to confirm how much, if any, of the post-withdrawal disbursement the student desires. If the student doesn’t respond within 30 days of the notification, no disbursement will be issued to the student.
      4. All post-withdrawal disbursements will be made as soon as possible, but no later than 180 days of when ATSU determined the student withdrew.

      Requirements for Return of Tuition Assistance (TA) Funds+

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Budgets+

      Online Financial Aid Budget for 2015-16 Academic Year

      DHA DHED DHSc MHA HM/KINE MPH and MPH-DE
      Tuition $750/credit $488/credit $491/credit $478/credit $491/credit $478/credit
      Computer $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY) $1,000 (Incoming ONLY)
      Books $57/credit $57/credit $57/credit $57/credit $57/credit $57/credit
      Internet Service $168/block $168/block $168/block $168/block $168/block $168/block
      Travel $0 $0 $1,550 (Institute) $900 (RLI Travel) $1,550 (Institute) $0
      Technology Fee $150/block $150/block $150/block $150/block $150/block $150/block

      Online Financial Aid Budget for 2014-15 Academic Year

      DHA DHED DHSc MHA HM/KINE MPH and MPH-DE
      Tuition $750/credit $474/credit $477/credit $464/credit $477/credit $464/credit
      Computer $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY) $1,299 (Incoming ONLY)
      Books $56/credit $56/credit $56/credit $56/credit $56/credit $56/credit
      Internet Service $165/block $165/block $165/block $165/block $165/block $165/block
      Travel $0 $0 $1,575 (Institute) $915 (RLI Travel) $1,575 (Institute) $0
      Technology Fee $150/block $150/block $150/block $150/block $150/block $150/block

      Private Education Loan Applicant Self-Certification+

      Please read and follow the instructions on the Private Education Loan Applicant Self-Certification and complete the form accordingly.

      Scholarships & Awards+

      Doctor of Health Sciences

      Doctor of Health Sciences Winter Institute Student Support Award

      This award provides financial assistance to any current student in good academic standing, enrolled in the Doctor of Health Sciences program to assist with travel expenses to the one-week, residential portion of the DHS Institute-Health Professionals Role in Health Promotion.

      Applicants must pass the course DHS Institute – Health Professionals Role in Health Promotion with a grade of “C” or better; complete and submit an award application obtained from the ATSU office of Student Financial Services along with a current CV; and complete a one-page essay (not to exceed 500 words) on at least two of the three points below:

      • Why are you pursing this degree?
      • What service related activities have you been involved in advancing the health professions?
      • Describe the importance of continuing education in your practice area.

      Annually, at least one award will be given to a selected recipient attending the institute. Each award will be in the amount of $500 (based on available funds). Should additional monies become available to award, the DHSc Program Chair can decide to award multiple stipends in one year.

      Qualifying applications will be reviewed by an awards committee, consisting of the program chair and two faculty members from the DHSc program.

      The CGHS Doctor of Health Sciences Research Support Award

      This award is to provide financial assistance to current students enrolled in the DHSc program to assist with expenses relevant to research or scholarly activities. Awards will be given at the Program Chair’s discretion, as funds are available and students express interest. Stipends will not exceed $500 annually per student.

      Miscellaneous Scholarship Links

      Kinesiology/Human Movement+

      Financial Aid Information

      Required Steps+

      Students must be registered at least half-time to receive financial aid. Half-time is defined as taking 5 credits per semester or 2 1/2 credits per block. Financial Aid is available to students who are simultaneously enrolled in multiple programs. Contact the Student Financial Services at 866.626.2878 Ext. 2529 for further information. All students receiving financial aid, whether through Student Financial Services or other institutions, must notify our office of their status.

      THE 9 STEPS REQUIRED FOR A STUDENT TO RECEIVE FINANCIAL ASSISTANCE ARE AS FOLLOWS:

      1. The student completes the Free Application for Federal Student Aid (FAFSA) or a Renewal FAFSA by going to fafsa.gov and following the instructions on the website. A. T. Still University of Health Sciences school code is G02477.

      2. The Central Processing System (CPS) performs matches and edits, calculates a student contribution, and sends the data back to the processor.

      3. ATSU receives the information electronically (ISIR) within three to five business days.

      4. The student looks over the Student Aid Report (SAR) and, if accurate, keeps it for his/her records. If any corrections are needed, the student can make corrections or contact the Student Financial Services office.

      5. Student Financial Services performs verification and then sends an electronic award letter to the student's ATSU email address, along with instructions for completing the loan applications and other required forms.

      6. The student accepts, refuses, or modifies the award letter and completes all required documentation in the award letter process.

      7. Student Financial Services looks over the required forms and transmits the loan data.

      8. The lender wires the funds by Electronic Funds Transfer (EFT) to the school.

      9. If by EFT, all funds will be applied to the student's account. The refund will be directly deposited to the student's bank account.

      Eligibility for Financial Assistance+

      Eligibility or unmet financial need is determined by subtracting a student's expected contribution from the student budget. The student's expected contribution is listed on the Student Aid Report (SAR) and is based on the student's financial strength. Students may choose to receive financial assistance up to their unmet financial need. For example, if a student's budget is $9,000 and the expected contribution is $5,000, the student's unmet financial need is $4,000. The student may receive financial aid through scholarships, loans, etc., to arrive at this figure. (Note: Students may use the Unsubsidized Federal Stafford Loan or any private loan to replace their expected contribution.) Every effort will be made to meet the student's need, but in some instances, the student may have to rely on other outside resources. It is of critical importance to be creditworthy, as most private loans require a credit check.

      Satisfactory Academic Progress for Federal Financial Aid+

      According to the United States Department of Education regulations, (34CRF 668/16 and 668.34 and October 29, 2010 Final Federal Register), all students receiving federal financial assistance must meet and maintain satisfactory academic progress. Student Financial Services will review the academic progress of financial aid recipients after each payment period. Satisfactory academic progress (SAP) is measured in terms of qualitative and quantitative standards.

      Qualitative Measure

      The qualitative measure of a student's progress is measured by cumulative grade point average. The minimum cumulative GPA students must maintain for financial aid is as follows:

      Minimum Cumulative Grade Point Average at A.T. Still University of Health Sciences
      2.00 for all programs on 4.0 scale
      70% for all programs on 100% scale

      Quantitative Measure


      Maximum Time Frame

      Financial aid recipients must complete an educational program within a time frame no longer than 150% of the published length of the educational program. All attempted withdrawn, failed, repeated, and/or transferred credits that apply to a student's program count toward this maximum time limit. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 credit hours before financial aid eligibility is suspended (120 x 150% = 180). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 x 150% = 7650).

      Pace of Progression

      Pace of progression is required to ensure students complete within a maximum time frame. Pace of Progression is measured based on and at the end of the most recently completed payment period. Financial aid recipients must maintain a 67% minimum completion rate for attempted credit hours or contact hours. For example, a student pursuing a doctorate degree requiring 120 credit hours may attempt up to 180 hours before financial aid eligibility is suspended (120 divided by 180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100 divided by 7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count towards credit hours earned. Credit hours for a course are earned by completing and passing the class.

      Financial Aid Warning

      Failure to meet the minimum academic progress requirements will result in a student being issued a financial aid warning. Students issued a financial aid warning will have one payment period to correct a progress problem due to qualitative or quantitative standards. Students will be notified of their status in writing via ATSU email. Students issued a financial aid warning will have an opportunity to file an appeal to request financial aid probation prior to the upcoming standard review time, which is at the end of each payment period.

      Financial Aid Probation

      If a student appeals his/her financial aid warning/suspension status and the appeal is approved, that student is put on financial aid probation for one payment period. Students may receive federal financial aid while on financial aid probation if he/she meets the terms of his/her appeal decision. If a student fails to meet SAP standards during the term of financial aid probation, he/she may request an additional appeal.

      Financial Aid Suspension

      Students who fail to meet the requirements of the financial aid warning or do not appeal their financial aid probation status are placed on financial aid suspension and are not eligible for their federal financial aid to continue. These students will receive written notification to their ATSU email account of their failure to comply and that future federal aid will be canceled.

      Appeal Procedure

      Students who have been issued a financial aid warning may submit a written appeal for reinstatement of eligibility by the end of the current block or term. The deadline to submit a written appeal for reinstatement for the online programs are listed below:

      College of Graduate Health Studies (CGHS) SAP Appeal Deadline
      Fall Block 1, 2015-16 September 20, 2015
      Fall Block 2, 2015-16 December 13, 2015
      Spring Block 1, 2015-16   March 13, 2016
      Spring Block 2, 2015 -16 May 29, 2016

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2015-16 November 22, 2015
      Winter Quarter, 2015-16 March 6, 2016
      Spring Quarter, 2015-16 June 5, 2016
      Summer Quarter, 2015-16 August 7, 2016

      Occasionally, extenuating circumstances contribute to their inability to meet the requirements for satisfactory progress. Extenuating circumstances include, but are not limited to, the following:

      • Death of an immediate family member
      • Severe injury or illness of the student or an immediate family member
      • Emergency situations such as fire or flood
      • Legal separation from spouse or divorce
      • Military reassignment or required job transfers or shift changes

      Students whose appeal is denied must establish eligibility by completing courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard before any additional federal aid will be disbursed. Students who have extenuating circumstances may appeal using the following procedure:

      • Submit a completed Appeal form. Student will be notified if additional supporting documentation is required.
      • Appeal packet is presented to the SAP Committee for consideration.
      • Student is notified via ATSU email of the SAP Committee's decision and recommendations.

      Reinstatement

      Federal financial aid may be reinstated when one of the following conditions has been met:

      • The student completes courses without federal aid in one or more payment periods at A.T. Still University of Health Sciences until the cumulative GPA and/or completion rate meet the required standard.
      • OR:The student files an appeal and the SAP Committee approves the appeal.

      It is the student's responsibility to notify Student Financial Services when reinstatement conditions have been met.

      Enrollment Status Policy+

      Enrollment Status Definitions

      1 quarter credit = .67 semester credit

      Program Minimum # of Credit Hours Minimum # of Credit Hours
      Full-time Half-time
      Osteopathic Medicine and Dental Programs Enrollment is always full-time
      ASHS programs 9 credits per quarter 5 credits per quarter
      CGHS programs 9 credits per semester or 4 1/2 credits per block 5 credits per semester or 2 1/2 credits per block

      Student Budget Determination+

      The student expense budget is determined each year by the director of Student Financial Services. Every effort is made to ensure that allowances in each category are realistic and fair. Although the director determines the average student budget, students having credit history difficulties may not be able to borrow the full budgeted amount, due to the Graduate Plus loan and some private loans being based on creditworthiness.

      Verification+

      2015-16 Verification Information -- Each year, applications for federal student aid are selected for verification by the Central Processing System (CPS) in order to confirm the accuracy of the data listed on the Free Application for Federal Student Aid (FAFSA). All applications selected will be verified if the student will be receiving need-based funding (Federal Perkins Loan or Federal Work-Study).

      If verification is required and you used the IRS Data Retrieval Tool when you completed your FAFSA electronically (and you have not amended your tax return), you will not need to request a 2014 tax return transcript. (You may go to www.fafsa.gov and choose to use the IRS Data Retrieval Tool even if you didn’t use it on your initial FAFSA.) If you are unable or choose not to use the IRS Data Retrieval Tool, you must request a 2014 IRS tax return transcript and send it to our office.

      Until verification is complete, you cannot receive any federal need-based aid (Federal Perkins Loans or work-study). If the required documentation is not received prior to the end of your academic year, you will not be able to receive federal need-based student aid for the 2015-16 year.

      After your application has been verified, ATSU will process any necessary corrections based upon the documentation received. The award process will then proceed, and you will receive an email containing information and instructions for accessing your electronic award letter. In the event a correction must be made as a result of the verification, you will receive notification from CPS of the change to your Student Aid Report. You will also receive notice via email from Student Financial Services within 10 business days if your financial aid award offer must be changed.

      Student Financial Services does have a referral policy, as required by the federal government, in the event of an actual or suspected case of fraud or abuse. Students who willfully submit fraudulent information will be investigated, and all cases must be reported to the proper authorities. Fraudulent situations will be reported to the hotline of the Department of Education's Inspector General.

      If you have any questions regarding the verification process, please feel free to call us at 866.626.2878, ext. 2529 or email us at financialaid@atsu.edu. Thank you for your assistance!

      Special Conditions+

      Professional judgment allows the Director the flexibility to handle individual students with extenuating circumstances on a case-by-case basis. This authority is clearly stated in the regulations and is used as needed. The adjustments may be made in the cost of attendance, expected family contribution, or satisfactory academic progress.

      Although every effort is made to meet a student's financial need, financial assistance is not an entitlement and, in some instances, not all of a student's need will be met.

      Financial Planning+

      Setting Goals

      Financing a graduate school education is an investment in your future. As a major investment, it should be entered into with conscientious planning. Setting goals and establishing a game plan are essential in order to minimize your debt.

      A simple financial plan begins with the establishment of a long-term goal. As you plan your strategies to reach this end goal, keep in mind that your short- and mid-term goals should be consistent with and built upon this long-term goal. To help keep you on track, it is important to develop a budget.

      A budget lists all sources of income, as well as all estimated expenditures. To make a budget work for you, keep the following points in mind:

      1. Have a written plan;
      2. Set realistic goals;
      3. Establish priorities;
      4. Keep expenditures below income; and
      5. Stick to your game plan.

      It is important for you to determine your needs so that you will borrow only the amount necessary, rather than the amount for which you are eligible. In the end, you may pay back 2-3 times the amount you borrowed. Therefore, the less debt you accrue in school, the more financially secure you will be later. You can live like a student now, or you can live like a student later. The choice is yours.

      Tuition+

      Tuition is due two weeks (14 calendar days) prior to the first day of class. The tuition due each block is based on the credit hours being taken by the student during that specific block. Delinquent tuition penalties accrue at 1 1/2% per month, which is 18% per year.

      Electronic Funds Transfer (EFT) Policy

      The Department of Education is encouraging and, at times, requiring educational institutions to become paperless. Therefore, funds received through federal and private loans will normally be transferred electronically to a student's account at ATSU. Students will receive a receipt itemizing the type of loan and amount credited to their account at the institution. Funds electronically transferred above what is owed for tuition and fees will promptly be refunded to the student by check or deposited directly to the student's bank account.

      Direct Deposit

      Many banks outside of Missouri require a waiting period before funds are available for students when loan proceeds are deposited by check. Therefore, we strongly recommend that all students use direct deposit where ATSU wires money to the student's checking account. This way, the money is available on the day it is wired to the bank.

      Direct Deposit Form

      Refund Policy+

      A student who completely exits (as opposed to merely dropping or withdrawing from a class or two) from the College of Graduate Health Studies (CGHS) program prior to the end of an academic block must complete an "Exit Process" form available from the CGHS program office. A student’s eligibility for a refund will be determined by one of the two following formulas.

      Institutional Refund Formula - for Credit Hour Programs

      (For students who did not receive federal financial assistance)


      Institutional Refund Formula – This formula gives the student the same refund as the R2T4 Refund Formula.

      If a student withdraws during a payment period, ATSU will determine how much tuition, fees and equipment charges (if any) were unearned by the institution. It will be figured by calculating how many remaining calendar days there are in the payment period divided by the total number of calendar days in that same payment period. The institution will pay back to the student the unearned amount. After 60% of the payment period, the institution will have earned the total amount paid for that payment period.

      For example, if a student withdrew after 51 calendar days, but paid for 153 calendar days, ATSU would have earned 33.3% of educational costs paid. Therefore, 66.7% of the educational costs paid are unearned. ATSU would refund to the student (or lender) 66.7% of the tuition, fees, and equipment charges paid.

      • Educational costs paid for 153 calendar days = $17,280.00
      • Calendar days attended by the student = 51
      • Calendar days remaining the in the payment period = 102 (153 – 51)
      • 102/153 = 66.7% (Percentage of educational costs unearned by ATSU)
      • 66.7% of $17,280 = $11,525.76 (Educational costs unearned by ATSU)
      • Amount ATSU refunds to the student = $11,525.76

      Return of Title IV Funds Formula - for Credit hour Programs

      (For students who received federal financial assistance)


      If a Title IV recipient withdraws during a payment period, the institution will calculate the amount of Title IV funds that was unearned by the student and wire the funds back to the lender. Unearned Title IV funds is determined by how many calendar days are remaining in the payment period divided by the total number of calendar days in the payment period. Unearned Title IV funds will be returned to the lender, up to 60% of the payment period for which the student was charged tuition/fees and equipment charges. After 60% of the payment period, the student will have earned all Title IV funds for that payment period and no financial returns or refunds will be made.

      For example, if a student paid tuition, fees, and equipment charges (if applicable) with Title IV funds for 174 calendar days, but withdrew after 87 calendar days, the percentage of Title IV funds earned will be 50.0%. Unearned Title IV funds will be 50.0%, as well. Therefore, ATSU will return 50.0% of all Title IV funds to the lender. (Please note: The federal funds may not cover institutional charges due to ATSU at withdrawal. So, the student may owe a balance to ATSU upon withdrawal.)

      • Tuition, fees, and equipment charges paid with Title IV funds for 174 calendar days = $37,000.00
      • Student enrolled for 87 calendar days out of 174
      • 87/174 = 50.0% (Percentage of Title IV funds unearned)
      • 50.0% of $37,000.00 = $18,500.00 (Unearned Title IV funds)
      • Amount ATSU returns to the lender = $18,500.00

      The funds must be paid back to the federal loan programs in the following order:

      • Federal Unsubsidized Stafford Loan
      • Federal Perkins Loan (if applicable)
      • Federal GradPLUS Loan

      Refund Policy for Student Withdrawals

      An online student who withdraws from a class in the block (but does not exit the program) will be subject to the following refund policy:

      Student withdraws from a class between calendar days 1-7 of the block 100% refund
      Student withdraws from a class between calendar days 8-14 of the block 50% refund
      Student withdraws from a class after the 14th day of the block or thereafter 0% refund

      Post-Withdrawal Disbursement Policy+

      Every ATSU student who matriculates earns a portion of the Title IV, HEA funds from day one. Effective immediately, each student who withdraws before the Title IV funds are disbursed, and has requested loan funds, will be offered a post-withdrawal disbursement notice in writing within 30 days of when ATSU determined the student withdrew. Please note:

      1. We will remind the student these are federal loans and must be repaid.
      2. We will discourage the student from borrowing any more than is necessary, and may even suggest the student cancel the loan completely.
      3. We will require the student to confirm how much, if any, of the post-withdrawal disbursement the student desires. If the student doesn’t respond within 30 days of the notification, no disbursement will be issued to the student.
      4. All post-withdrawal disbursements will be made as soon as possible, but no later than 180 days of when ATSU determined the student withdrew.

      Requirements for Return of Tuition Assistance (TA) Funds+

      • All Tuition Assistance (TA) Funds will be returned directly to the military service, not to the service member
      • Up to the start date, 100% of all Tuition Assistance (TA) funds will be returned to the appropriate military service when the service member fails to: begin attendance, start a course (regardless if the student starts other courses), or the course is cancelled.
      • All Tuition Assistance (TA) funds will be returned according to the university’s institutional refund policy.

      A committee comprising of the Dean of the applicable school, the university CFO, and Vice President of Student Services will determine the appropriate actions needed when a Service member ceases his/her attendance due to a military service obligation. This decision will take into consideration the unique circumstances for each individual Service member, with the goal of no student debt for the returned portion.

      Budgets+

      Online Financial Aid Budget for 2015-16 Academic Year

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