Palmer College of Chiropractic Florida

Academics

Financial Aid

• Types of Financial Aid

The fundamental purpose of the financial aid programs at Palmer College of Chiropractic Florida is to assist those who qualify in financing their chiropractic education.

Students applying for financial aid must be officially or conditionally accepted for admission or enrolled at least half-time before any financial aid can be awarded. Students must remain in acceptable academic standing and meet the minimum cumulative GPA requirements to maintain aid eligibility.

How is Aid Determined?

The campus-based programs (Federal Work-Study and Perkins Loans) are need-based student financial aid programs. Under each program, the College must determine whether or not a student has financial “need.” The College determines a student’s financial need by subtracting his/her expected contribution (the amount the student may reasonably be expected to contribute toward the student’s educational cost) from the College’s budget. The Financial Planning Office also considers outside sources of aid or benefits (such as scholarships, fee waivers and tuition reimbursement) in determining the student’s financial need. Eligibility is determined by completion of the Free Application for Student Aid (FAFSA).

Loans are applied for every academic year (nine months) while campus-based programs are awarded on a 12-month basis.

Who is eligible?

To qualify as an eligible student for all of the federal and state programs, you must meet all of the following requirements:

• Be a U.S. citizen or an eligible non-citizen;
• Be registered with Selective Service or enlisted in the armed forces if you are a man born after 1960;
• Be enrolled or accepted for enrollment on at least a half-time basis;
• Be working toward a degree;
• Be making satisfactory academic progress as defined by the institution;
• Not be in default on any loan or owe a refund on any grant made under Title IV of the Higher Education Act of 1965 at this or any other institution;
• Qualify for aid based on the federally required needs analysis program.Projected Educational Expenses 2005-2006 (Fiscal year July 1, 2005 through June 30, 2006)

These figures represent a 12-month average for expenses while attending Palmer College of Chiropractic Florida. The figures in each category are estimated to assist in planning future expenses.

Student Rights

Students have the right to know that information on financial assistance, deadlines for submitting applications, the cost of attending Palmer Florida, the College’s refund policy and the procedure for determining acceptable academic progress are available in the Financial Planning Office.

Student Responsibilities

• To review and consider all information about financial aid programs before enrollment.
• To complete all application forms accurately and submit them on time to the Financial Planning Office, as well as to lenders for student loans. Errors can result in delay in receipt of financial aid. Intentional misreporting of information on application forms for federal financial aid is a violation of the law and is considered a criminal offense subject to penalties under the U.S. Criminal Code.
• To return all additional documentation, verification, corrections and new information requested by either the Financial Aid Office or the agency to which the application was submitted.
• To read and understand all forms required for financial aid and keep copies of same.
• To notify both the lender and the Financial Planning Office of changes in name(s), address or school status that would affect the student loan.
• To apply for aid each academic year, since aid programs do not continue from one year to the next. Most campus-based aid is awarded each April for the following fiscal year.

For additional information contact: Brenda Gran

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