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Student Financial Services
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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?+Bookmark Accordion

      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 (pdf)
      FASFA Verification Information (pdf)

      FAFSA+Bookmark Accordion

      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.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+Bookmark Accordion

      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 Free Application for Federal Student Aid, 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 Grad PLUS and private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Student Financial Services Director. Every effort is made to ensure 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 Student 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 Grad Plus and 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 for students receiving need-based funding (Federal Perkins Loan or Federal Work-Study), or for whom professional judgment is performed.

      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.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+Bookmark Accordion

      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+Bookmark Accordion

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations (34 CRF 668.16 and 668.34 and October 29, 2010 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 quantitative and qualitative 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 applying toward 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 (120/180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100/7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count toward credit hours earned, but do count toward credit hours attempted. Courses dropped during the add/drop period will not be counted in credits attempted. 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, the student is put on financial aid probation for one payment period. A student 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 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 a student’s 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 ATSU 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.
      • The student completes courses without federal aid in one or more payment periods at ATSU 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.

      Return to Title IV funds 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 unearned by the student and return the funds to the lender. The amount of Unearned Title IV funds are 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 Grad PLUS Loan

      ** ATSU may exclude documented costs for nonreturnable equipment and returnable equipment if not returned in good condition within 20 days of a student’s withdrawal. This applies to all KCOM and SOMA first-year students.


      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)
      • Amount ATSU refunds to the student = $11,525.76

      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+Bookmark Accordion

      Federal Loans


      Direct Unsubsidized 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 Unsubsidized 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 2016/17 year will be fixed throughout repayment at 5.31%.

      Fees: 1.068% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 1.069%.

      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 2016/17 year will be fixed throughout repayment at 6.31%.

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

      Fees: 4.272% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 4.276%.

      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.

      Disclosure Requirements+Bookmark Accordion

      Student Loan Information Published by the Department of Education

      Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided. The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

      Notice of Federal Student Financial Aid Penalties for Drug Law Violations

      Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)). Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitation program that complies with certain criteria established by the Department of Education.

      Code of Conduct

      Review ATSU's financial code of conduct (pdf).

      Private Education Loan Disclosure

      ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form (pdf).

      Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured. They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.

      Counseling+Bookmark Accordion

      Initial and Exit Loan Counseling for Student Borrowers

      Entrance Counseling – Students must complete entrance counseling upon matriculation at ATSU, if they have previously completed it at a graduate or professional level, before any loan funds will be disbursed. Students complete entrance counseling online at https://studentloans.gov.

      Exit counseling – All students who received any federal loans while attending ATSU must complete an exit interview upon graduation, withdrawal, or dropping below half-time status. Students complete exit counseling online at https://studentloans.gov.

      Scholarships & Awards+Bookmark Accordion

      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 Arizona Community Foundation Scholarships
      National Association of Veterans' Program Administrators Paul Ambrose Scholars Program 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.

      ASDOH - Women for ATSU Scholarship

      Application period is now closed.

      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.

      Each year one female ASDOH student will receive a $1,000 scholarship. The student must be female, 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. If eligible apply here.

      Deadline to submit is April 7, 2016 (no later than 5:00 p.m. AZ time)

      Applications are available on the Women for ATSU website and must be received no later than April 7, 2016 by 5: 00 p.m. Applications can be delivered in person or sent via email to bpoppre@atsu.edu. Qualifying applications will be reviewed by a scholarship committee made up with members from Student Affairs, Financial Services and final approval from each respective 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+Bookmark Accordion

      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 16-17 academic year:
      (2020) Freshman Budget 1st Year Expense Worksheet (2020)
      (2019) Sophomore Budget 2nd Year Expense Worksheet (2019)
      (2018) Junior Budget 3rd Year Expense Worksheet (2018)
      (2017) Senior Budget 4th Year Expense Worksheet (2017)

      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+Bookmark Accordion

      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.

      Certificate in Orthodontics+

      Where do I start?+Bookmark Accordion

      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 (pdf)
      FASFA Verification Information (pdf)

      FAFSA+Bookmark Accordion

      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.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+Bookmark Accordion

      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 Free Application for Federal Student Aid, 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 Grad PLUS and private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Student Financial Services Director. Every effort is made to ensure 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 Student 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 Grad Plus and 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 for students receiving need-based funding (Federal Perkins Loan or Federal Work-Study), or for whom professional judgment is performed.

      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.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+Bookmark Accordion

      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+Bookmark Accordion

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations (34 CRF 668.16 and 668.34 and October 29, 2010 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 quantitative and qualitative 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 applying toward 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 (120/180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100/7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count toward credit hours earned, but do count toward credit hours attempted. Courses dropped during the add/drop period will not be counted in credits attempted. 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, the student is put on financial aid probation for one payment period. A student 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 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 a student’s 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 ATSU 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.
      • The student completes courses without federal aid in one or more payment periods at ATSU 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.

      Return to Title IV funds 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 unearned by the student and return the funds to the lender. The amount of Unearned Title IV funds are 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 Grad PLUS Loan

      ** ATSU may exclude documented costs for nonreturnable equipment and returnable equipment if not returned in good condition within 20 days of a student’s withdrawal. This applies to all KCOM and SOMA first-year students.


      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)
      • Amount ATSU refunds to the student = $11,525.76

      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+Bookmark Accordion

      Federal Loans


      Direct Unsubsidized 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 Unsubsidized 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 2016/17 year will be fixed throughout repayment at 5.31%.

      Fees: 1.068% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 1.069%.

      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 2016/17 year will be fixed throughout repayment at 6.31%.

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

      Fees: 4.272% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 4.276%.

      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.

      Disclosure Requirements+Bookmark Accordion

      Student Loan Information Published by the Department of Education

      Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided. The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

      Notice of Federal Student Financial Aid Penalties for Drug Law Violations

      Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)). Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitation program that complies with certain criteria established by the Department of Education.

      Code of Conduct

      Review ATSU's financial code of conduct (pdf).

      Private Education Loan Disclosure

      ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form (pdf).

      Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured. They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.

      Counseling+Bookmark Accordion

      Initial and Exit Loan Counseling for Student Borrowers

      Entrance Counseling – Students must complete entrance counseling upon matriculation at ATSU, if they have previously completed it at a graduate or professional level, before any loan funds will be disbursed. Students complete entrance counseling online at https://studentloans.gov.

      Exit counseling – All students who received any federal loans while attending ATSU must complete an exit interview upon graduation, withdrawal, or dropping below half-time status. Students complete exit counseling online at https://studentloans.gov.

      Scholarships & Awards+Bookmark Accordion

      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 Arizona Community Foundation Scholarships
      National Association of Veterans' Program Administrators Paul Ambrose Scholars Program 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.

      ASDOH - Women for ATSU Scholarship

      Application period is now closed.

      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.

      Each year one female ASDOH student will receive a $1,000 scholarship. The student must be female, 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. If eligible apply here.

      Deadline to submit is April 7, 2016 (no later than 5:00 p.m. AZ time)

      Applications are available on the Women for ATSU website and must be received no later than April 7, 2016 by 5: 00 p.m. Applications can be delivered in person or sent via email to bpoppre@atsu.edu. Qualifying applications will be reviewed by a scholarship committee made up with members from Student Affairs, Financial Services and final approval from each respective 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+Bookmark Accordion

      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 16-17 academic year and are PDF files.

      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

  • Arizona School of Health Sciences - Online +

    • Advanced Occupational Therapy+

      Financial Aid Information

      Required Steps+Bookmark Accordion

      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.

      Eligibility for Financial Assistance+Bookmark Accordion

      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+Bookmark Accordion

      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. Courses dropped during the add/drop period will not be counted in credits attempted. 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 Semester, 2016-17 December 18, 2016
      Spring Semester, 2016-17   June 4, 2017

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2016-17 November 20, 2016
      Winter Quarter, 2016-17 March 5, 2017
      Spring Quarter, 2016-17 June 4, 2017
      Summer Quarter, 2016-17 August 6, 2017

      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+Bookmark Accordion

      Enrollment Status Definitions

      For an ATSU student to be eligible for federal loans, the student must be enrolled at least in a half-time enrollment status. The ATSU Enrollment Status Policy is contained in the University Handbook (pdf). Please refer to the University Handbook if you have any questions regarding the enrollment policy.

      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+Bookmark Accordion

      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+Bookmark Accordion

      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 for students receiving need-based funding (Federal Perkins Loan or Federal Work-Study), or for whom professional judgment is performed.

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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 Dropped Courses

      An online student who drops a course in the current term (but remains actively enrolled) will be subject to the following refund policy:

      Refund Policy for Dropped Course
      Student withdraws from a course between calendar days 1 - 7 of the course 100% refund
      Student withdraws from a course between calendar days 8 - 14 of the course 50% refund
      Student withdraws from a course on or after the 15th calendar day of the course 0% refund

      Post-Withdrawal Disbursement Policy+Bookmark Accordion

      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+Bookmark Accordion

      • 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+Bookmark Accordion

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

      Budgets+Bookmark Accordion

      Online Financial Aid Budget - 2016-17 Academic Year

      AMOT APA ODT DAT
      Tuition $520 per credit $416 per credit $520 per credit $494 per credit
      Computer $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only)
      Books $60 per credit $60 per credit $60 per credit $60 per credit
      Living Expensies $5,380 per quarter $5,380 per quarter $5,380 per quarter $10,761 per semeseter
      Travel 0 0 0 $1,550 (Institute)

      Loans for Online Students+Bookmark Accordion

      Federal Loans

      Direct Unsubsidized 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 Unsubsidized 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 2016/17 year will be fixed throughout repayment at 5.31%.

      Fees: 1.068% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 1.069%.

      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 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 2016/17 year will be fixed throughout repayment at 6.31%.

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

      Fees: 4.272% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 4.276%.

      Disclosure Requirements+Bookmark Accordion

      Student Loan Information Published by the Department of Education

      Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided. The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

      Notice of Federal Student Financial Aid Penalties for Drug Law Violations

      Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)). Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitation program that complies with certain criteria established by the Department of Education.

      Code of Conduct

      Review ATSU's financial code of conduct (pdf).

      Private Education Loan Disclosure

      ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form (pdf).

      Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured. They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.

      Counseling+Bookmark Accordion

      Initial and Exit Loan Counseling for Student Borrowers

      Entrance Counseling – Students must complete entrance counseling upon matriculation at ATSU, if they have previously completed it at a graduate or professional level, before any loan funds will be disbursed. Students complete entrance counseling online at https://studentloans.gov.

      Exit counseling – All students who received any federal loans while attending ATSU must complete an exit interview upon graduation, withdrawal, or dropping below half-time status. Students complete exit counseling online at https://studentloans.gov.

      Advanced Physician Assistant+

      Financial Aid Information

      Required Steps+Bookmark Accordion

      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.

      Eligibility for Financial Assistance+Bookmark Accordion

      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+Bookmark Accordion

      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. Courses dropped during the add/drop period will not be counted in credits attempted. 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 Semester, 2016-17 December 18, 2016
      Spring Semester, 2016-17   June 4, 2017

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2016-17 November 20, 2016
      Winter Quarter, 2016-17 March 5, 2017
      Spring Quarter, 2016-17 June 4, 2017
      Summer Quarter, 2016-17 August 6, 2017

      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+Bookmark Accordion

      Enrollment Status Definitions

      For an ATSU student to be eligible for federal loans, the student must be enrolled at least in a half-time enrollment status. The ATSU Enrollment Status Policy is contained in the University Handbook (pdf). Please refer to the University Handbook if you have any questions regarding the enrollment policy.

      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+Bookmark Accordion

      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+Bookmark Accordion

      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 for students receiving need-based funding (Federal Perkins Loan or Federal Work-Study), or for whom professional judgment is performed.

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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 Dropped Courses

      An online student who drops a course in the current term (but remains actively enrolled) will be subject to the following refund policy:

      Refund Policy for Dropped Course
      Student withdraws from a course between calendar days 1 - 7 of the course 100% refund
      Student withdraws from a course between calendar days 8 - 14 of the course 50% refund
      Student withdraws from a course on or after the 15th calendar day of the course 0% refund

      Post-Withdrawal Disbursement Policy+Bookmark Accordion

      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+Bookmark Accordion

      • 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+Bookmark Accordion

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

      Budgets+Bookmark Accordion

      Online Financial Aid Budget - 2016-17 Academic Year

      AMOT APA ODT DAT
      Tuition $520 per credit $416 per credit $520 per credit $494 per credit
      Computer $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only)
      Books $60 per credit $60 per credit $60 per credit $60 per credit
      Living Expensies $5,380 per quarter $5,380 per quarter $5,380 per quarter $10,761 per semeseter
      Travel 0 0 0 $1,550 (Institute)

      Loans for Online Students+Bookmark Accordion

      Federal Loans

      Direct Unsubsidized 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 Unsubsidized 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 2016/17 year will be fixed throughout repayment at 5.31%.

      Fees: 1.068% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 1.069%.

      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 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 2016/17 year will be fixed throughout repayment at 6.31%.

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

      Fees: 4.272% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 4.276%.

      Disclosure Requirements+Bookmark Accordion

      Student Loan Information Published by the Department of Education

      Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided. The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

      Notice of Federal Student Financial Aid Penalties for Drug Law Violations

      Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)). Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitation program that complies with certain criteria established by the Department of Education.

      Code of Conduct

      Review ATSU's financial code of conduct (pdf).

      Private Education Loan Disclosure

      ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form (pdf).

      Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured. They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.

      Counseling+Bookmark Accordion

      Initial and Exit Loan Counseling for Student Borrowers

      Entrance Counseling – Students must complete entrance counseling upon matriculation at ATSU, if they have previously completed it at a graduate or professional level, before any loan funds will be disbursed. Students complete entrance counseling online at https://studentloans.gov.

      Exit counseling – All students who received any federal loans while attending ATSU must complete an exit interview upon graduation, withdrawal, or dropping below half-time status. Students complete exit counseling online at https://studentloans.gov.

      Doctor of Athletic Training+

      Financial Aid Information

      Required Steps+Bookmark Accordion

      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.

      Eligibility for Financial Assistance+Bookmark Accordion

      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+Bookmark Accordion

      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. Courses dropped during the add/drop period will not be counted in credits attempted. 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 Semester, 2016-17 December 18, 2016
      Spring Semester, 2016-17   June 4, 2017

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2016-17 November 20, 2016
      Winter Quarter, 2016-17 March 5, 2017
      Spring Quarter, 2016-17 June 4, 2017
      Summer Quarter, 2016-17 August 6, 2017

      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+Bookmark Accordion

      Enrollment Status Definitions

      For an ATSU student to be eligible for federal loans, the student must be enrolled at least in a half-time enrollment status. The ATSU Enrollment Status Policy is contained in the University Handbook (pdf). Please refer to the University Handbook if you have any questions regarding the enrollment policy.

      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+Bookmark Accordion

      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+Bookmark Accordion

      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 for students receiving need-based funding (Federal Perkins Loan or Federal Work-Study), or for whom professional judgment is performed.

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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 Dropped Courses

      An online student who drops a course in the current term (but remains actively enrolled) will be subject to the following refund policy:

      Refund Policy for Dropped Course
      Student withdraws from a course between calendar days 1 - 7 of the course 100% refund
      Student withdraws from a course between calendar days 8 - 14 of the course 50% refund
      Student withdraws from a course on or after the 15th calendar day of the course 0% refund

      Post-Withdrawal Disbursement Policy+Bookmark Accordion

      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+Bookmark Accordion

      • 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+Bookmark Accordion

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

      Budgets+Bookmark Accordion

      Online Financial Aid Budget - 2016-17 Academic Year

      AMOT APA ODT DAT
      Tuition $520 per credit $416 per credit $520 per credit $494 per credit
      Computer $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only)
      Books $60 per credit $60 per credit $60 per credit $60 per credit
      Living Expensies $5,380 per quarter $5,380 per quarter $5,380 per quarter $10,761 per semeseter
      Travel 0 0 0 $1,550 (Institute)

      Loans for Online Students+Bookmark Accordion

      Federal Loans

      Direct Unsubsidized 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 Unsubsidized 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 2016/17 year will be fixed throughout repayment at 5.31%.

      Fees: 1.068% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 1.069%.

      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 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 2016/17 year will be fixed throughout repayment at 6.31%.

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

      Fees: 4.272% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 4.276%.

      Disclosure Requirements+Bookmark Accordion

      Student Loan Information Published by the Department of Education

      Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided. The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

      Notice of Federal Student Financial Aid Penalties for Drug Law Violations

      Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)). Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitation program that complies with certain criteria established by the Department of Education.

      Code of Conduct

      Review ATSU's financial code of conduct (pdf).

      Private Education Loan Disclosure

      ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form (pdf).

      Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured. They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.

      Counseling+Bookmark Accordion

      Initial and Exit Loan Counseling for Student Borrowers

      Entrance Counseling – Students must complete entrance counseling upon matriculation at ATSU, if they have previously completed it at a graduate or professional level, before any loan funds will be disbursed. Students complete entrance counseling online at https://studentloans.gov.

      Exit counseling – All students who received any federal loans while attending ATSU must complete an exit interview upon graduation, withdrawal, or dropping below half-time status. Students complete exit counseling online at https://studentloans.gov.

      Doctor of Occupational Therapy+

      Financial Aid Information

      Required Steps+Bookmark Accordion

      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.

      Eligibility for Financial Assistance+Bookmark Accordion

      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+Bookmark Accordion

      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. Courses dropped during the add/drop period will not be counted in credits attempted. 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 Semester, 2016-17 December 18, 2016
      Spring Semester, 2016-17   June 4, 2017

      Arizona School of Health Sciences (ASHS) SAP Appeal Deadline
      Fall Quarter, 2016-17 November 20, 2016
      Winter Quarter, 2016-17 March 5, 2017
      Spring Quarter, 2016-17 June 4, 2017
      Summer Quarter, 2016-17 August 6, 2017

      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+Bookmark Accordion

      Enrollment Status Definitions

      For an ATSU student to be eligible for federal loans, the student must be enrolled at least in a half-time enrollment status. The ATSU Enrollment Status Policy is contained in the University Handbook (pdf). Please refer to the University Handbook if you have any questions regarding the enrollment policy.

      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+Bookmark Accordion

      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+Bookmark Accordion

      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 for students receiving need-based funding (Federal Perkins Loan or Federal Work-Study), or for whom professional judgment is performed.

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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 Dropped Courses

      An online student who drops a course in the current term (but remains actively enrolled) will be subject to the following refund policy:

      Refund Policy for Dropped Course
      Student withdraws from a course between calendar days 1 - 7 of the course 100% refund
      Student withdraws from a course between calendar days 8 - 14 of the course 50% refund
      Student withdraws from a course on or after the 15th calendar day of the course 0% refund

      Post-Withdrawal Disbursement Policy+Bookmark Accordion

      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+Bookmark Accordion

      • 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+Bookmark Accordion

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

      Budgets+Bookmark Accordion

      Online Financial Aid Budget - 2016-17 Academic Year

      AMOT APA ODT DAT
      Tuition $520 per credit $416 per credit $520 per credit $494 per credit
      Computer $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only) $1,000 (for INCOMING only)
      Books $60 per credit $60 per credit $60 per credit $60 per credit
      Living Expensies $5,380 per quarter $5,380 per quarter $5,380 per quarter $10,761 per semeseter
      Travel 0 0 0 $1,550 (Institute)

      Loans for Online Students+Bookmark Accordion

      Federal Loans

      Direct Unsubsidized 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 Unsubsidized 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 2016/17 year will be fixed throughout repayment at 5.31%.

      Fees: 1.068% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 1.069%.

      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 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 2016/17 year will be fixed throughout repayment at 6.31%.

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

      Fees: 4.272% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 4.276%.

      Disclosure Requirements+Bookmark Accordion

      Student Loan Information Published by the Department of Education

      Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided. The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

      Notice of Federal Student Financial Aid Penalties for Drug Law Violations

      Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)). Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitation program that complies with certain criteria established by the Department of Education.

      Code of Conduct

      Review ATSU's financial code of conduct (pdf).

      Private Education Loan Disclosure

      ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form (pdf).

      Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured. They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.

      Counseling+Bookmark Accordion

      Initial and Exit Loan Counseling for Student Borrowers

      Entrance Counseling – Students must complete entrance counseling upon matriculation at ATSU, if they have previously completed it at a graduate or professional level, before any loan funds will be disbursed. Students complete entrance counseling online at https://studentloans.gov.

      Exit counseling – All students who received any federal loans while attending ATSU must complete an exit interview upon graduation, withdrawal, or dropping below half-time status. Students complete exit counseling online at https://studentloans.gov.

      Transitional Doctor of Audiology+

      Tuition+Bookmark Accordion

      Tuition is $10,500 for the entire program for students who matriculate during the 2016-17 academic year. The tuition for this program is due five weeks before classes begin.

      Life Long Learning (non-degree): $350

      Payment Plan+Bookmark Accordion

      Payment plans are available for the cost of tuition. Payments include the tuition cost plus a nonrefundable $175 fee. Below is an example of a student utilizing the payment plan to pay for their tuition. Robin wants to start the Transitional Doctor of Audiology program in the Spring quarter of 2017, which begins March 1, 2017. 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, 2017 - Tuition payment of $2,625 plus $175 service fee=$2,800
      2. Due - May 15, 2017 - Tuition payment of $2,625
      3. Due - August 15, 2017 - Tuition payment of $2,625
      4. Due - November 15, 2017 - Tuition payment of $2,625

      Robin’s total tuition payments would add up to $10,675 which is the tuition of $10,500 + $175

      Loans+Bookmark Accordion

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

      Tuition Refund Policy for Transitional Doctor of Audiology Distance Education+Bookmark Accordion

      Refund Policy

      A student who officially withdraws from any program or course while at ATSU must complete either an ATSU Withdrawal/Exit Process form or ATSU Course Add/Drop Request form. The following information, also, applies to students who are administratively withdrawn or dismissed from a program.

      1. For a student withdrawing from an ATSU program with tuition based on the program and the following refund policy applies:

      • Withdrawal prior to logging onto the first course, tuition will be refunded minus a $500 administrative fee.
      • Withdrawal after logging into the first course or thereafter, the tuition refund will be prorated based on the date of withdrawal minus a $500 administrative fee.

      Transitional Physical Therapy+

      Tuition+Bookmark Accordion

      Tuition for the Transitional DPT program is $10,389 for the entire program for students who matriculate during the 2015-16 academic year. Tuition is due two weeks before the start of class.

      Non-degree tuition is $478 per credit hour.

      Payment Plan+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      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+Bookmark Accordion

      If a student withdraws from the program after tuition payment has been submitted, the following refund policy applies. If the course is dropped:
      Tuition refund policy
      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+Bookmark Accordion

      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?+Bookmark Accordion

      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 (pdf)
      FASFA Verification Information (pdf)

      FAFSA+Bookmark Accordion

      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.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+Bookmark Accordion

      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 Free Application for Federal Student Aid, 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 Grad PLUS and private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Student Financial Services Director. Every effort is made to ensure 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 Student 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 Grad Plus and 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 for students receiving need-based funding (Federal Perkins Loan or Federal Work-Study), or for whom professional judgment is performed.

      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.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+Bookmark Accordion

      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+Bookmark Accordion

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations (34 CRF 668.16 and 668.34 and October 29, 2010 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 quantitative and qualitative 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 applying toward 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 (120/180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100/7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count toward credit hours earned, but do count toward credit hours attempted. Courses dropped during the add/drop period will not be counted in credits attempted. 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, the student is put on financial aid probation for one payment period. A student 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 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 a student’s 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 ATSU 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.
      • The student completes courses without federal aid in one or more payment periods at ATSU 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.

      Return to Title IV funds 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 unearned by the student and return the funds to the lender. The amount of Unearned Title IV funds are 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 Grad PLUS Loan

      ** ATSU may exclude documented costs for nonreturnable equipment and returnable equipment if not returned in good condition within 20 days of a student’s withdrawal. This applies to all KCOM and SOMA first-year students.


      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)
      • Amount ATSU refunds to the student = $11,525.76

      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+Bookmark Accordion

      Federal Loans


      Direct Unsubsidized 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 Unsubsidized 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 2016/17 year will be fixed throughout repayment at 5.31%.

      Fees: 1.068% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 1.069%.

      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 2016/17 year will be fixed throughout repayment at 6.31%.

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

      Fees: 4.272% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 4.276%.

      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.

      Disclosure Requirements+Bookmark Accordion

      Student Loan Information Published by the Department of Education

      Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided. The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

      Notice of Federal Student Financial Aid Penalties for Drug Law Violations

      Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)). Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitation program that complies with certain criteria established by the Department of Education.

      Code of Conduct

      Review ATSU's financial code of conduct (pdf).

      Private Education Loan Disclosure

      ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form (pdf).

      Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured. They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.

      Counseling+Bookmark Accordion

      Initial and Exit Loan Counseling for Student Borrowers

      Entrance Counseling – Students must complete entrance counseling upon matriculation at ATSU, if they have previously completed it at a graduate or professional level, before any loan funds will be disbursed. Students complete entrance counseling online at https://studentloans.gov.

      Exit counseling – All students who received any federal loans while attending ATSU must complete an exit interview upon graduation, withdrawal, or dropping below half-time status. Students complete exit counseling online at https://studentloans.gov.

      Scholarships & Awards+Bookmark Accordion

      Athletic Training Scholarships


      Dwight Patterson Youth Sports Scholarship

      APPLICATION PERIOD IS NOW CLOSED.

      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.

      For the 2015-16 academic year, the deadline to submit the application is January 13, 2016. 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)
      American Indian Graduate Center Margaret McNamara Memorial Fund
      Western Interstate Commission for Higher Education (WICHE) Mesothelioma Cancer Alliance Scholarship
      Arizona Community Foundation Scholarships  

      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

      Application period is now closed.

      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.

      Each year one female ASHS student (AuD, AT, PA, PT, OT) will receive a $1,000 scholarship. The student must be female, 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. If eligible apply here.

      Deadline to submit is April 7, 2016 (no later than 5:00 p.m.)

      Applications are available on the Women for ATSU website and must be received no later than April 7, 2016 by 5:00 p.m. Applications can be delivered in person or sent via email to bpoppre@atsu.edu. Qualifying applications will be reviewed by a scholarship committee made up with members from Student Affairs, Financial Services and final approval from each respective dean.

      Miscellaneous Scholarship Links

      Tuition & Budget+Bookmark Accordion

      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 16-17 academic year and are PDF files.
      Budgets for Tuition
      Athletic Training
      First Year Budget Second Year Budget
      Doctor of Audiology
      First Year Budget Second Year Budget Third Year Budget Fourth Year Budget
      Master of Occupational Therapy
      First Year Budget Second Year Budget Third Year Budget
      Doctor of Occupational Therapy
      First Year Budget
      Physician Assistant Program
      Summer Quarter Budget 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+Bookmark Accordion

      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.

      Doctor of Audiology +

      Where do I start?+Bookmark Accordion

      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 (pdf)
      FASFA Verification Information (pdf)

      FAFSA+Bookmark Accordion

      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.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+Bookmark Accordion

      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 Free Application for Federal Student Aid, 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 Grad PLUS and private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Student Financial Services Director. Every effort is made to ensure 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 Student 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 Grad Plus and 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 for students receiving need-based funding (Federal Perkins Loan or Federal Work-Study), or for whom professional judgment is performed.

      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.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+Bookmark Accordion

      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+Bookmark Accordion

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations (34 CRF 668.16 and 668.34 and October 29, 2010 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 quantitative and qualitative 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 applying toward 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 (120/180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100/7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count toward credit hours earned, but do count toward credit hours attempted. Courses dropped during the add/drop period will not be counted in credits attempted. 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, the student is put on financial aid probation for one payment period. A student 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 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 a student’s 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 ATSU 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.
      • The student completes courses without federal aid in one or more payment periods at ATSU 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.

      Return to Title IV funds 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 unearned by the student and return the funds to the lender. The amount of Unearned Title IV funds are 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 Grad PLUS Loan

      ** ATSU may exclude documented costs for nonreturnable equipment and returnable equipment if not returned in good condition within 20 days of a student’s withdrawal. This applies to all KCOM and SOMA first-year students.


      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)
      • Amount ATSU refunds to the student = $11,525.76

      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+Bookmark Accordion

      Federal Loans


      Direct Unsubsidized 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 Unsubsidized 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 2016/17 year will be fixed throughout repayment at 5.31%.

      Fees: 1.068% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 1.069%.

      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 2016/17 year will be fixed throughout repayment at 6.31%.

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

      Fees: 4.272% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 4.276%.

      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.

      Disclosure Requirements+Bookmark Accordion

      Student Loan Information Published by the Department of Education

      Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided. The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

      Notice of Federal Student Financial Aid Penalties for Drug Law Violations

      Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)). Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitation program that complies with certain criteria established by the Department of Education.

      Code of Conduct

      Review ATSU's financial code of conduct (pdf).

      Private Education Loan Disclosure

      ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form (pdf).

      Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured. They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.

      Counseling+Bookmark Accordion

      Initial and Exit Loan Counseling for Student Borrowers

      Entrance Counseling – Students must complete entrance counseling upon matriculation at ATSU, if they have previously completed it at a graduate or professional level, before any loan funds will be disbursed. Students complete entrance counseling online at https://studentloans.gov.

      Exit counseling – All students who received any federal loans while attending ATSU must complete an exit interview upon graduation, withdrawal, or dropping below half-time status. Students complete exit counseling online at https://studentloans.gov.

      Scholarships & Awards+Bookmark Accordion

      Audiology Scholarships

      Internal Scholarships

      Audiology Foundation of America (AFA) AuD Student Excellence Scholarship

      For additional information, please email the Audiology Department at trorie@atsu.edu.

      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.

      Audiology Academic Achievement Scholarship

      A $2500 award will be offered to a selected applicant who is offered admission. The $2500 scholarship is renewable for 4 years.

      Continued disbursement is contingent upon the student remaining in good academic standing. If a student withdraws from the program, goes on probation or violates the Code of Academic Conduct or the Code of Behavioral Conduct, the scholarship will be discontinued.

      The award recipient will be selected from applicants to the Entry Level Doctor of Audiology Program who excel in the following areas:

      • Overall Academic Performance
      • Extracurricular Activities
      • Honors and Awards
      • Volunteerism, service and leadership activities

      Procedure:
      All faculty of the Department of Audiology will serve as the Scholarship Selection Committee.  The Committee will review admissions data, transcripts, student curriculum vitae/resumes, clinical performance evaluations, and other pertinent data to select the award recipient. The recommendation will be submitted to the Dean of the Arizona School of Health Sciences at ATSU for approval.  Students do not apply for this scholarship, recipient will be chosen by the faculty.

      The chosen applicant will be notified by the Admissions Committee prior to matriculation (during the admissions process). An award letter will be sent to the applicant.  

      If a student withdraws his/her application or declines an offer of acceptance during the review process, the student will no longer be eligible for the 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
      Western Interstate Commission for Higher Education (WICHE) Mesothelioma Cancer Alliance Scholarship
      Arizona Community Foundation Scholarships The American Speech-Language-Hearing Foundations
      AMBUCS Scholarship National Black Association for Speech, Language and Hearing
      Sertoma Canadian Association of Speech-Language Pathologists and Audiologists (CASLPA) Scholarship Programs
      National Association of Junior Auxiliaries Healthcare Leadership Scholarship
         

      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

      Application period is now closed.

      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.

      Each year one female ASHS student (AuD, AT, PA, PT, OT) will receive a $1,000 scholarship. The student must be female, 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. If eligible apply here.

      Deadline to submit is April 7, 2016 (no later than 5:00 p.m.)

      Applications are available on the Women for ATSU website and must be received no later than April 7, 2016 by 5:00 p.m. Applications can be delivered in person or sent via email to bpoppre@atsu.edu. Qualifying applications will be reviewed by a scholarship committee made up with members from Student Affairs, Financial Services and final approval from each respective dean.

      The American Speech-Language-Hearing Foundation

      Application requirements for The American Speech-Language-Hearing Foundation scholarships

      The student must be accepted for, or enrolled in, graduate study in a communication sciences and disorders program in the United States. Master's programs in speech-language pathology or clinical doctoral programs in audiology must be accredited by the Council on Academic Accreditation in Audiology and Speech-Language Pathology (CAA); this does not apply to research doctoral program. The student must be enrolled in full-time study for the full academic year.

      AMBUCS Scholarship

      AMBUCS scholarship requirements

      Students must be accepted in an accredited program by the appropriate health therapy profession authority in physical therapy, occupational therapy, speech language pathology, or audiology. Assistant programs are not eligible. Awards are based on financial need, US citizenship, commitment to local community, character for compassion and integrity, and career objectives.

      Apply to AMBUCS scholarships. Students just answer the questions and click the submit button. Applications will be sent directly to AMBUCS' secure scholarship database.

      National Black Association for Speech, Language and Hearing

      Review available scholarships offered by the National Black Association for Speech, Language and Hearing

      • NBASLH Student Travel Stipend of $250 to attend NBASLH Convention
      • NBASLH Audiology Student Travel Stipend of $150 to attend the NBASLH Convention. Sponsored by Starkey.
      • NBASLH Student Research Award of $1000. Sponsored by Pearson
      • NBASLH Widex Audiology Scholarship of $1000

      Sertoma

      Communicative Disorders Scholarship

      Sertoma’s Communicative Disorders Scholarship, funded by the Sertoma Annual Fund, is for graduate students pursing advanced degrees in audiology or speech-language pathology from institutions in the U.S. These scholarships, worth $1,000 each, are awarded in the spring to help offset the cost of tuition, books and fees incurred during the following school year. Sertoma’s Communicative Disorders Scholarships provides more funds nationally for graduate level study in communicative disorders than any other single organization.

      Hard of Hearing or Deaf Scholarship

      Sertoma’s Scholarship for the Hard of Hearing or Deaf, is the leading funder of scholarships for hard of hearing or deaf students since the program’s inception in 1994. Students with clinically significant bilateral hearing loss, graduating from high school, or undergraduate students pursuing four-year college degrees in any discipline are eligible for the scholarship.

      Canadian Association of Speech-Language Pathologists and Audiologists (CASLPA) Scholarship Programs

      Review CASLPA Scholarships

      Student must be a Canadian citizen or permanent resident, SAC student associate and meet all criteria listed on application.

      • $ 1,000 - SAC Scholarships
      • $1,000 - Grace Margaret Harris Scholarship
      • $2,000 - KIDSPEECH™ Scholarship

      The Elks & Royal Purple Fund for Children Scholarships

      • $2,000 - Elks & Royal Purple Fund for Children Susan Lane Scholarship
      • $2,000 - Elks & Royal Purple Fund for Children Deborah Kully Scholarship
      • $2,000 - Elks & Royal Purple Fund for Children William J. Blake Scholarship
      • $1,000 - Elks & Royal Purple Fund for Children Gordon Leslie Memorial Scholarships (14 awarded annually)

      National Association of Junior Auxiliaries

      Read about National Association of Junior Auxiliaries scholarship

      Founded in 1962, the NAJA Graduate Scholarship Program has awarded more than 537 grants totaling over $1,241,304.00 for graduate study in fields which address the special needs of children and youth. The Betty W. Robbins Endowed Scholarship was established in 1995 by the Robbins family in memory of Betty Robbins of Ruston, Louisiana, who served the National Association of Junior Auxiliaries, Inc. as Director of Region V, First Vice-President and President (1992-1993). Contributions from Junior Auxiliary Chapters, the National Association, the Robbins family, memorials, and honorary gifts from individuals and groups support the Program.

      Scholarships are awarded each April. If more than one Scholarship year is required to complete studies, the recipient may reapply, provided all previous agreements have been fulfilled satisfactorily.

      The NAJA Graduate Scholarship Program is available on the NAJA website from September 1st through February 1st each year.  New for 2016, the application process is totally online.

      Review the qualitification or start the application

      Applicant must be:

      • Working or planning to work DIRECTLY with children.
      • Pursuing graduate level studies for one year in fields which address the special needs of children and youth. Graduate fields of study include, but are not limited to: Counseling, Psychology, Mental Health, Special Education, Speech Pathology, Exceptional Children, Remedial Skills Development, Hearing Impaired, Gifted and Talented, etc. Scholarships are NOT awarded for graduate work in administration or general education.
      • A U.S. citizen and a permanent resident of a state with a Junior Auxiliary Chapter: Alabama, Arkansas, Florida, Louisiana, Mississippi, Missouri, and Tennessee.
      • Planning to attend a U.S. college or university for full-time or part-time study.

      Healthcare Leadership Scholarship

      Learn more about Healthcare Leadership Scholarship requirements

      Healthgrad.com is pleased to announce our bi-annual Healthcare Leadership Scholarship. This is awarded the most deserving students who are pursuing their degree in healthcare. Our merit-based scholarship is awarded every spring and fall to help students pay for the expenses of their online or campus based education. These scholarships will be awarded to any student that is currently enrolled in undergraduate, graduate or Doctorate level programs. Students who are currently enrolled in qualified healthcare related programs are encouraged to apply. Students can only apply once in any 12-month period. 

      Miscellaneous Scholarship Links

      Tuition & Budget+Bookmark Accordion

      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 16-17 academic year and are PDF files.
      Budgets for Tuition
      Athletic Training
      First Year Budget Second Year Budget
      Doctor of Audiology
      First Year Budget Second Year Budget Third Year Budget Fourth Year Budget
      Master of Occupational Therapy
      First Year Budget Second Year Budget Third Year Budget
      Doctor of Occupational Therapy
      First Year Budget
      Physician Assistant Program
      Summer Quarter Budget 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+Bookmark Accordion

      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.

      Occupational Therapy +

      Where do I start?+Bookmark Accordion

      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 (pdf)
      FASFA Verification Information (pdf)

      FAFSA+Bookmark Accordion

      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.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+Bookmark Accordion

      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 Free Application for Federal Student Aid, 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 Grad PLUS and private loans require a credit check.

      Student Budget Determination

      The student expense budget is determined each year by the Student Financial Services Director. Every effort is made to ensure 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 Student 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 Grad Plus and 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 for students receiving need-based funding (Federal Perkins Loan or Federal Work-Study), or for whom professional judgment is performed.

      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.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+Bookmark Accordion

      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+Bookmark Accordion

      Satisfactory Academic Progress for Federal Financial Aid


      According to the United States Department of Education regulations (34 CRF 668.16 and 668.34 and October 29, 2010 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 quantitative and qualitative 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 applying toward 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 (120/180 = 67%). A student pursuing a doctorate degree requiring 5100 contact hours may attempt up to 7650 contact hours before financial aid eligibility is suspended (5100/7650 = 67%). Dropped, failed, and remedial courses for which no credit is received do not count toward credit hours earned, but do count toward credit hours attempted. Courses dropped during the add/drop period will not be counted in credits attempted. 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, the student is put on financial aid probation for one payment period. A student 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 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 a student’s 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 ATSU 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.
      • The student completes courses without federal aid in one or more payment periods at ATSU 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.

      Return to Title IV funds 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 unearned by the student and return the funds to the lender. The amount of Unearned Title IV funds are 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 Grad PLUS Loan

      ** ATSU may exclude documented costs for nonreturnable equipment and returnable equipment if not returned in good condition within 20 days of a student’s withdrawal. This applies to all KCOM and SOMA first-year students.


      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)
      • Amount ATSU refunds to the student = $11,525.76

      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+Bookmark Accordion

      Federal Loans


      Direct Unsubsidized 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 Unsubsidized 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 2016/17 year will be fixed throughout repayment at 5.31%.

      Fees: 1.068% will be deducted from the Unsubsidized funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 1.069%.

      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 2016/17 year will be fixed throughout repayment at 6.31%.

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

      Fees: 4.272% will be deducted from the PLUS funds as an origination fee for all loans disbursed between October 1, 2015 to September 30, 2016. Beginning October 1, 2016, the origination fee will be 4.276%.

      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.

      Disclosure Requirements+Bookmark Accordion

      Student Loan Information Published by the Department of Education

      Institutions are required to provide information published by the Department of Education to students at any time that information regarding loan availability is provided. The publication includes information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. Federal loans are submitted to the National Student Loan Data System and are accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. Comprehensive information on the terms and conditions of federal loans and of the borrower’s responsibilities can be found on the Department of Education’s website.

      Notice of Federal Student Financial Aid Penalties for Drug Law Violations

      Any student that receives a conviction for any offense, during a period of enrollment for which the student was receiving Title IV, HEA program funds, under any federal or state law involving the possession or sale of illegal drugs will result in the loss of eligibility for any Title IV, HEA grant, loan, or work-study assistance (HEA Sec. 484(r)(1)); (20 U.S.C. 1091(r)(1)). Students who lose federal student aid eligibility due to a drug conviction can regain eligibility by passing two unannounced drug tests conducted by a drug rehabilitation program that complies with certain criteria established by the Department of Education.

      Code of Conduct

      Review ATSU's financial code of conduct (pdf).

      Private Education Loan Disclosure

      ATSU Student Financial Services offers students federal financial aid up to its students' Cost of Attendance. Therefore, students have no eligibility for private loans. Students without U.S. citizenship who apply for private loans will be provided the Private Education Loan Applicant Self-Certification form (pdf).

      Be very careful about borrowing private loans, as the lenders can change the terms of your loans since they are not federally insured. They normally have higher interest rates (depending on your credit score), often cannot be consolidated, and cannot be forgiven if borrower ends up working in the Public Service arena.

      Counseling+Bookmark Accordion

      Initial and Exit Loan Counseling for Student Borrowers

      Entrance Counseling – Students must complete entrance counseling upon matriculation at ATSU, if they have previously completed it at a graduate or professional level, before any loan funds will be disbursed. Students complete entrance counseling online at https://studentloans.gov.

      Exit counseling – All students who received any federal loans while attending ATSU must complete an exit interview upon graduation, withdrawal, or dropping below half-time status. Students complete exit counseling online at https://studentloans.gov.

      Scholarships & Awards+Bookmark Accordion

      Occupational Therapy Scholarships


      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
      Western Interstate Commission for Higher Education (WICHE) Mesothelioma Cancer Alliance Scholarship
      Arizona Community Foundation Scholarships Paul Ambrose Scholars Program Scholarship

      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

      Application period is now closed.

      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 poo