PAYMENT PLANS


THE ACADEMY OF CAREER TRAINING OFFERS IT'S STUDENTS ZERO INTEREST (0%), IN-HOUSE PAYMENT PROGRAMS IN ADDITION TO OTHER FUNDING SERVICES.  AFFORDABLE, CONTRACTED PAYMENT SCHEDULES ARE AVAILABLE FOR PERSONS WISHING TO PAY THEIR TUITION ON THEIR OWN,  OR TO SUPPLEMENT THEIR PAYMENT SCHEDULE, ALONG WITH OTHER PAYMENT OPTION OFFERS.  INQUIRE WITHIN THE ADMISSIONS DEPARTMENT FOR MORE DETAILS ON OUR IN-HOUSE PAYMENT PLAN PROGRAM.
  


CONTACT ADMISSIONS FOR  MORE INFORMATION 

Kissimmee Campus- 407-943-8777

Deltona Campus - 386-860-5672


SCHOLARSHIPS


SCHOLARSHIPS ARE FINANCIAL AWARDS GIVEN, BASED UPON ACADEMIC OR NON-ACADEMIC CRITERIA.  SCHOLARSHIPS DO NOT NEED TO BE REPAID.  THE ACADEMY OF CAREER TRAINING PROVIDES LINKS TO NUMEROUS SCHOLARSHIP OPPORTUNITIES. FOR ANNUAL DEADLINES, REQUIREMENTS, AND APPLICATIONS PLEASE VISIT SCHOLARSHIP SITES DIRECTLY.


THE ALICE MADDEN BARTON SCHOLARSHIP PROGRAM

CURRENT STUDENTS, HIGH SCHOOL STUDENTS, OR ANYONE INTERESTED IN COSMETOLOGY OR BARBERING AS A CAREER CAN APPLY FOR A SCHOLARSHIP.


AMERICAN HEALTH AND BEAUTY AID INSTITUTE- FRED LUSTER, SR. EDUCATION FOUNDATION SCHOLARSHIP 
THE FUTURE SALON PROFESSIONAL SCHOLARSHIP WAS CREATED BY REGIS CORPORATION TO RECOGNIZE THE AFRICAN AMERICAN FUTURE PROFESSIONALS IN THE COSMETOLOGY INDUSTRY PROSPECTIVE.  SCHOLARSHIPS WILL BE AWARDED IN $250 AMOUNTS FOR A TOTAL OF $3,000 AWARDED. TO BE ELIGIBLE FOR A SCHOLARSHIP, STUDENTS MUST HAVE AN 85%OR HIGHER AVERAGE IN SCHOOL AND MUST HAVE COMPLETED 300 HOURS.  EXTRACURRICULAR ACTIVITIES, ATTENDANCE RECORDS, AND PREVIOUS COMPETITIONS/AWARDS WILL ALSO BE TAKEN INTO CONSIDERATION.  


SPORTS CLIP SCHOLARSHIP 
SPORTS CLIP SCHOLARSHIP IS A SCHOLARSHIP OPPORTUNITY AVAILABLE THROUGH THE AMERICAN ASSOCIATION OF COSMETOLOGY SCHOOLS (AACS), WHICH IS AWARDING MULTIPLE $1,000 SCHOLARSHIPS FOR COSMETOLOGY STUDENTS, WHO ATTEND AACS MEMBER SCHOOLS.  ONLY ONE SCHOLARSHIP RECIPIENT WILL BE CHOSEN FROM AN INDIVIDUAL SCHOOL PER YEAR FOR THE PROGRAM.



THE FAROUK SYSTEMS USA/AACS COSMETOLOGY SCHOLARSHIP  
THE FAROUK SYSTEMS USA/AACS COSMETOLOGY SCHOLARSHIP AWARDS STUDENTS ATTENDING AACS MEMBER SCHOOLS.  SCHOLARSHIPS IN THE AMOUNT OF $1,000 ARE PROVIDED BY FAROUK SYSTEMS USA.



DREAM SHEARS/TRADE ESSENTIALS SCHOLARSHIP 
DREAM SHEARS AND TRADE ESSENTIALS, AWARDS MULTIPLE COSMETOLOGY STUDENTS ATTENDING AACS MEMBER SCHOOLS SCHOLARSHIPS IN THE AMOUNT OF $500. 


CND SCHOLARSHIP 
THE CND SCHOLARSHIP AWARDS ONE STUDENT ENROLLED IN A NAIL-ONLY PROGRAM FROM AN AACS MEMBER SCHOOL WITH A SCHOLARSHIP IN THE AMOUNT OF $500, THROUGH THE ACCESS TO COSMETOLOGY SCHOLARSHIP (ACE) SCHOLARSHIP PROGRAM.



PAT GOINS MEMORIAL SCHOLARSHIP 
THE PAT GOINS MEMORIAL SCHOLARSHIP PROGRAM AWARDS MULTIPLE $1,000 SCHOLARSHIPS TOCOSMETOLOGY STUDENTS ATTENDING AACS MEMBER SCHOOLS.



OPI SCHOLARSHIPS 
OPI OFFERS MULTIPLE SCHOLARSHIPS FOR COSMETOLOGY STUDENTS ATTENDING AACS MEMBER SCHOOLS IN THE AMOUNT OF $500 EACH FROM THE SCHAEFFER FAMILY FOUNDATION.



JOE FRANCIS HAIRCARE SCHOLARSHIP  
JOE FRANCIS HAIRCARE SCHOLARSHIP AWARDS $1,000 SCHOLARSHIPS FOR STUDENTS ENROLLED, OR APPLYING FOR ENROLLMENT TO A BARBER OR COSMETOLOGY SCHOOL. 



THE NCEA ESTHETICIAN SCHOLARSHIP 
THE NCEA ESTHETICIAN SCHOLARSHIP AWARDS $1,000 TOWARDS STUDENT EDUCATION FOR THOSE WHO MEET CERTAIN REQUIREMENTS, SUCH AS FINANCIAL CIRCUMSTANCES, ATTENDANCE AND MAINTAINING ACCEPTABLE GRADES.



THE AURIE J. GOSNELL SCHOLARSHIP 
THE AURIE J. GOSNELL SCHOLARSHIP  IS GIVEN ANNUALLY IN MEMORY OF AURIE J. GOSNELL.  THERE ARE 4 SCHOLARSHIPS FOR $1,250.  



GRANTS VS. LOANS

WHAT IS THE DIFFERENCE BETWEEN A GRANT AND A LOAN?
GRANTS ARE MORE FAVORABLE THAN TAKING OUT LOANS TO PAY FOR YOUR EDUCATION, BECAUSE YOU ARE NOT REQUIRED TO REPAY GRANTS, WHEREAS LOANS MUST BE REPAID. LOANS ARE MONIES BORROWED, AND MUST BE REPAID, WITH ADDED INTEREST, EITHER WHILE ATTENDING SCHOOL, OR A SHORT PERIOD AFTER GRADUATION.


GRANTS


ACE GRANT

PROSPECTIVE STUDENTS SHOULD REQUEST INFORMATION, AN APPLICATION AND SALON ASSESSMENT, FOR THE ACE GRANT PROGRAM FROM THE BEAUTY AND BARBER SUPPLY INSTITUTE BY CALLING (800) 468-2272.  THE ACE GRANT ORGANIZATION WILL FORMALLY INFORM THE AWARDING STUDENT, FOR MORE INFORMATION VISIT BEAUTYSCHOOLS.ORG


FEDERAL PELL GRANTS

FEDERAL PELL GRANTS ARE THROUGH THE FOUNDATION OF FEDERAL STUDENT FINANCIAL ASSISTANCE.  THESE GRANTS ARE GENERALLY AWARDED TO UNDERGRADUATE STUDENTS, AND AWARD AMOUNTS CAN CHANGE YEARLY.  FEDERAL PELL GRANTS ARE BASED ON FINANCIAL NEED.  THE AMOUNT OF YOUR FEDERAL PELL GRANT AWARDED DEPENDS ON YOUR COST OF EDUCATION, EXPECTED FAMILY CONTRIBUTION, ENROLLMENT STATUS AND LENGTH OF PROGRAM.  

LOANS


WILLIAM D. FORD DIRECT LOAN PROGRAM

STUDENT LOANS MUST BE REPAID WITH INTEREST.  LOANS MADE THROUGH THIS PROGRAM ARE REFERRED TO AS DIRECT LOANS.  ELIGIBLE STUDENTS AND PARENTS CAN BORROW DIRECTLY FROM THE U.S. DEPARTMENT OF EDUCATION.  THERE ARE THREE TYPES OF LOANS IN THE PROGRAM.  THESE LOANS ARE REPAID DIRECTLY TO THE DEPARTMENT OF EDUCATION.

  • SUBSIDIZED STAFFORD LOAN- A STUDENT CAN BORROW THIS TYPE OF LOAN TO COVER SOME, OR ALL OF THEIR SCHOOL EXPENSES.  THE U.S. DEPARTMENT OF EDUCATION PAYS THE INTEREST WHILE YOU'RE IN SCHOOL AT LEAST HALF-TIME, AND FOR THE FIRST SIX MONTHS AFTER YOU LEAVE SCHOOL (GRACE PERIOD). THE AMOUNT OF LOAN CAN NOT EXCEED A STUDENTS FINANCIAL NEED.  

  • UNSUBSIDIZED STAFFORD LOAN- A STUDENT CAN BORROW THIS TYPE OF LOAN TO COVER SOME, OR ALL OF THEIR SCHOOL EXPENSES. THE U.S. DEPARTMENT OF EDUCATION DOES NOT PAY INTEREST ON SUBSIDIZED LOANS.  A STUDENT IS RESPONSIBLE FOR PAYING THE INTEREST THAT ACCRUES ON THE LOAN FROM THE TIME THE LOAN IS DISBURSED UNTIL IT'S PAID IN FULL. THE FIXED INTEREST RATE OF 6.8% CAN BE PAID WHILE ATTENDING SCHOOL, DURING A PERIOD OF DEFERMENT, OR FORBEARANCE, IT CAN BE ACCRUED AND THE INTEREST ADDED TO THE PRINCIPLE AMOUNT OF THE LOAN. 

  • PLUS LOANS- PARENTS OF DEPENDENT STUDENTS CAN BORROW FROM THE PLUS LOAN PROGRAM.  THE TERMS AND CONDITIONS OF THIS TYPE OF LOAN INCLUDE A REQUIREMENT THAT THE APPLICANT NOT HAVE AN ADVERSE CREDIT HISTORY.  THE REPAYMENT PERIOD BEGINS ON THE DATE OF THE LAST DISBURSEMENT OF THE LOAN, WITH A FIXED INTEREST RATE OF 7.9%. 


HOW TO APPLY 
(SCHOOL CODE 041269)


THE INFORMATION PROVIDED WILL ASSIST YOU WITH THE APPLICATION PROCESS FOR FEDERAL STUDENT AID.  IF YOU WOULD LIKE FOR OUR FINANCIAL AID ADMINISTRATOR TO HELP YOU WITH THIS PROCESS, CALL 407-943-8777 (Kissimmee location) or 386-860-5672 (Deltona location).


STEP I     APPLYING FOR A FEDERAL PIN:


What is a Federal Student Aid PIN and what is it used for?

Your PIN is an electronic access code that serves as your personal identifier, and can be used every year to electronically apply for federal student aid, and to access your U.S. Department of Education records online.

Your PIN allows you to:

  • “Sign” your application electronically and complete the student aid process completely online—no paper is involved.

  • If you’re a dependent student and one of your parents has a Federal Student Aid PIN, he or she can sign the application electronically online as well.

  • Make online corrections to your FAFSA.

  • Access your Student Aid Report* (SAR).

  • “Sign” a master promissory note* for a federal student loan.

  • Access your federal student aid records online, including your student loan history information on Nation Student Loan Data Base System (NSLDS)

  • You, and your parents, if you’re a dependent student, can apply for a PIN anytimeat www.pin.ed.gov.


STEP II    FILLING OUT A FAFSA: 


(FREE APPLICATION FOR FEDERAL STUDENT AID)

As you go through the online application process, FAFSA on the Web uses skip-logic, so only questions that apply to your situation appear on your screen. This makes the application process shorter.

  • FAFSA on the Web identifies potential errors right away and prompts you to make on-the-spot corrections.

  • You get online instructions for each question, and you can access live online help with a customer service representative for free if you have additional questions.

  • By applying online, you can send your application information to up to ten schools (the paper form is limited to four schools).  Our school code is 041269

  • Once you submit your application, your information is immediately sent to the U.S. Department of Education. You’ll get a confirmation notice right away when you click on “Submit My FAFSA Now.”

  • Your online application will be processed quickly, if you (and your parents, if applicable) provided electronic signatures using the PIN.


WHAT IF I NEED HELP FILLING OUT MY FAFSA?


  • The Academy of Career Training is more than happy to help you with this process.  Contact our Financial Aid representative at 407-943-8777 (Kissimmee location) or 386-860-5672 (Deltona location)

  • Help text is available and accessible for every question on the FAFSA if you apply online using FAFSA on the Web.  You can also get free live help online at this Web site.

  • Free help is also available online from Federal Student Aid.  

  • Contact the Federal Student Aid Information Center 1-800-4-FED-AID (1-800-433-3243) for assistance with any questions you have on either the paper or electronic FAFSA.



STEP III   COMPLETE THE FEDERAL DIRECT MASTER PROMISSORY NOTE (MPN):

The electronic MPN site allows you to complete, and sign an MPN over the web.  The process for completing an electronic MPN is simple. You will need to have your Department of Education issued PIN to begin the process.

You, or your parent can begin the student loan process by accessing the Department of Education’s Direct Loan Website. 




ENTRANCE / EXIT COUNSELING


Before a Federal Direct Loan borrower takes out a loan, they must complete entrance counseling. (Entrance counseling does not have to be conducted for parent PLUS borrowers.) The loan counseling includes: an explanation of the use of an MPN (Master Promissory Note); the importance of the repayment obligation; a description of the consequences of default; sample repayment schedules; borrower’s rights and responsibilities as well as other terms and conditions.

Loan (exit) counseling must also be provided before the borrower completes his or her course of study or otherwise leaves the school. Loan counseling will be completed with the Executive Director at your school close to the time you are scheduled to graduate.

INITIAL COUNSELING MUST INCLUDE:

ON-LINE ENTRANCE COUNSELING: Before receiving a student loan, borrowers must complete an entrance counseling session. This quick and easy interactive counseling session provides useful tips and tools to help you develop a budget for managing your educational expenses, and helps you to understand your loan responsibilities.

DIRECT LOAN INTEREST RATES: The U.S. Department of Education's National Student Loan Data System (NSLDS) allows you to access information on loan and/or federal grant amounts, your loan status (including outstanding balances), and disbursements made.

The U.S. Department of Education's NATIONAL STUDENT LOAN DATA SYSTEM allows you to access information on loan and/or federal grant amounts, your loan status (including outstanding balances), and disbursements made.



VERIFICATION FORMS


Each award year, a percentage of financial aid applications are selected by the United States Department of Education for verification. If a student is selected for verification, the Financial Aid Office will verify the application information submitted on the student’s Free Application for Federal Student Aid (FAFSA) and will adhere to the procedures explained below.

The verification process entails the review of tax documents and household information to ensure the accuracy of the FAFSA application. Most applications are selected upon a set of common edits developed by the U.S. Department of Education, which check data for consistency and logic. Other applications are selected by the Financial Aid Office after the application was checked against prior year applications that students have submitted, resulting in conflicting information.

Students selected for verification will be notified via email (if an email address is available), or by their campus representative.  The notification will indicate the documents required for verification, the deadline for completing the process, and the consequences of missing the deadlines.

DOCUMENTATION NEEDED TO COMPLETE VERIFICATION
Signed copies of federal tax returns, including all schedules, for the student applicant and his/her parent(s).  Independent students need not submit parental information; however spousal information is required.  * Please note that the tax information required is for the tax year preceding the academic year.
Full completion of either a Dependent, or Independent Verification Worksheet. A worksheet will also be sent via email with the notification letter. Be sure to follow all instructions on the form and make sure all signatures are present.


Additional documentation may be requested at the discretion of the Financial Aid Office.

LINKS TO REQUEST SUPPORTING DOCUMENTATION:

SOCIAL SECURITY ADMINISTRATION: Application to apply for a replacement Social Security Card.

INTERNAL REVENUE SERVICE: Request a transcript of your federal tax return.



NET PRICE CALCULATOR

FINANCIAL ASSISTANCE

THE ACADEMY OF CAREER TRAINING HAS A TRAINED TEAM OF PROFESSIONALS DEDICATED TO HELPING ELIGIBLE STUDENTS FIND FINANCIAL ASSISTANCE, IN ORDER TO MEET THE COST OF EDUCATION. 
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ACADEMY OF CAREER TRAINING

KISSIMMEE CAMPUS: ​3501 WEST VINE STREET SUITE 111 KISSIMMEE, FLORIDA 34741 
DELTONA CAMPUS: 1260 DELTONA BOULEVARD. DELTONA, FLORIDA 32725

Net Price Calculator
Please read. This calculator is intended to provide estimated net price information (defined as estimated cost of attendance — including tuition and required fees, books and supplies, room and board (meals), and other related expenses — minus estimated grant and scholarship aid) to current and prospective students and their families based on what similar students paid in a previous year.

By clicking below, I acknowledge that the estimate provided using this calculator does not represent a final determination, or actual award, of financial assistance, or a final net price; it is an estimate based on cost of attendance and financial aid provided to students in a previous year. Cost of attendance and financial aid availability change year to year. The estimates shall not be binding on the Secretary of Education, the institution of higher education, or the State.

Students must complete the Free Application for Federal Student Aid (FAFSA) in order to be eligible for, and receive, an actual financial aid award that includes Federal grant, loan, or work-study assistance. For more information on applying for Federal student aid, go to http://www.fafsa.ed.gov/
Note: Any information that you provide on this site is confidential. The Net Price Calculator does not store your responses or ask for personal identifying information of any kind.
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Federal School Code 041269

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Kissimmee 407-943-8777
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407.943.8777- Kissimmee

386.860.5672 - Deltona