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ASHS Distance - OT and PA

Athletic Training - Doctorate [DAT]

Occupational Therapy - Masters [AMOT]

Occupational Therapy - Doctorate [ODT]

Physician Assistant - Masters [APA]


Required Steps Verification
Eligibility for Financial Assistance

Special Conditions

Satisfactory Academic Progress Policy Financial Planning
Enrollment Status Policy Tuition
Student Budget Determination

Private Education Loan
Applicant Self-Certification

Refund Policy


Post-Withdrawal Disbursement Policy Scholarships
Requirements for Return of Tuition Assistance (TA) Funds  

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 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.


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



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.


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.


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
     Spring Block 1, 2014-15 March 15, 2015
     Spring Block 2, 2014-15 May 31, 2015
Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
     Winter Term, 2014-15 March 8, 2015
     Spring Term, 2014-15 June 7, 2015
     Summer Term, 2014-15 August 9, 2015

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.


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.
  • 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.




2014-15 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 2013 tax return transcript.  (You may go to 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 2013 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 2014-15 year.

After your application has been verified, ATSU will process any necessary corrections based upon the documentation received.  The award process will then be completed, 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 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.


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



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:


  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. 

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.





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


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


Margaret McNamara Memorial Fund (added 8/22/14)

Education Portal - Academic Scholarships for Graduate Level (added 9/10/14)

Mesothelioma Cancer Alliance Scholarship (added 11/18/14)



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