Students must apply for admission to the Doctor of Chiropractic
program to obtain federal funding. View more information under
"Eligibility" below.
The maximum amount a student may borrow is based on the program
of study and demonstrated financial need. If the allowable cost of
education exceeds the maximum Direct Loan eligibility, the
dependent student's parent(s) may borrow from the Parent PLUS Loan.
Entrance counseling is required for Federal Direct Loans.
Types of Federal Loan Programs
Federal Direct Subsidized Loan - Learn more »
A need-based loan where the government pays the interest while
the student is attending school on at least a half-time basis, and
during the 6 month after school grace period. A loan fee of
approximately 1% will be deducted from the loan prior to
disbursement. Interest begins to accrue after the end of the grace
period and throughout repayment (view interest rate chart). These funds must be
repaid.
First-time borrowers after July 1, 2013 are subject to new
limitations on the length of time for the Subsidized Direct Loan.
These borrowers are subject to maximum eligibility time limitations
equating to 150% of the published length of the student's program.
For details, please review the Federal Student Aid publication on this new
regulation.
Federal Direct Unsubsidized Loan - Learn more »
A non-need based loan where the student is responsible
for all interest which accrues from the day of disbursement (view interest rate chart). A loan fee of
approximately 1% will be deducted from the loan prior to
disbursement. Repayment begins 6 months after graduation. These
funds must be repaid.
Parent PLUS Loan - Learn more »
A credit-based, non-need loan applied for by the parent
of a dependent student. Interest accrues from the day of
disbursement (view interest rate chart). A loan fee of
approximately 4% will be deducted from the loan prior to
disbursement. The maximum amount cannot exceed the approved cost of
education (including all other aid) for the loan period. Repayment
begins 60 days following disbursement. See the Parent PLUS Authorization Form for eligibility
criteria and instructions on completing the application
process.
More Information
View the current federal loan interest rates
»
Most loan and scholarship programs require students to maintain
standards of satisfactory academic
progress.
Allowable Loan Maximums -
Prerequisite Program
Loan Program |
Maximum Per Year |
Federal Direct - Dependent |
$7,500 |
Federal Direct - Independent |
$12,500 |
Note: Students in the Prerequisite Program may only receive
federal loans for two trimesters. (Each academic year is two
trimesters.)
Qualifications to Receive 50% Tuition Discount as a
Prerequisite Student
- Accepted to take Prerequisite courses.
- Apply for admission into the Doctor of Chiropractic or Doctor
of Naturopathic Medicine degree programs.
- Register for courses listed in your admissions letter.
- Only courses listed in your admissions letter will be included
for tuition discount eligibility (though you may register for
additional courses).
Qualifications to Receive Federals Loans as a Prerequisite
Student
- Accepted to take Prerequisite courses.
- Apply for admission into the Doctor of Chiropractic or Doctor
of Naturopathic Medicine degree programs.
- Register for courses required by Office of Admissions for
acceptance into the DC or ND program. The courses must total a
minimum of 6 credit hours for the trimester(s) enrolled, or 3
credit hours per each mini-term within a trimester, depending on
when the course is taught.
- Only courses listed in your admissions letter will be included
for federal loan eligibility (though you may register for
additional courses).
- Loan funds will be approved only for 2 trimesters, or four
mini-terms, as a Prerequisite student.
Eligibility
The U.S. Department of Education has established certain base
eligibility requirements in order to receive federal financial aid.
Individual scholarship, grant, work study, and loan programs may
have additional eligibility requirements.
To qualify for most types of aid, you must:
- Have a high school diploma or a General Education Development
(GED) certificate.
- Be enrolled or accepted for enrollment as a student pursuing a
degree or certificate. (Please note that students in the
Chiropractic Assistant program are not eligible for financial
aid.)
- Be enrolled half-time or more credit hours each term, for most
types of aid.
- Be a U.S. citizen, U.S. national, or an eligible noncitizen.
- An eligible noncitizen is defined as a U.S. permanent resident
who has an Alien Registration Card (I-151, I-551, or I-551C). If
you have an Arrival-Departure Record (I-94) from the U.S.
Immigration and Naturalization Service (INS) showing "Refugee,"
"Asylum Granted," "Indefinite Parole," "Humanitarian Parole,"
"Cuban-Haitian Entrant," "Status Pending," or "Conditional Entrant"
(valid only if issued before April 1, 1980), you are also eligible
for aid.
- If you hold only a Notice of Approval to Apply for Permanent
Residence (I-171 or I-464), you are not eligible for federal
aid.
- If you are in the United States on an F1 or F2 student visa or
a J1 or J2 exchange visitor visa, you are also not eligible for
federal aid.
- While students who are not U.S. citizens, U.S. nationals, or
eligible noncitizens are not eligible for federal financial aid,
they may be eligible for certain private loans with a U.S. citizen
as a cosigner.
- Have a valid Social Security Number.
- Maintain Satisfactory Academic Progress (SAP), as defined by
NUHS, towards the completion of your degree or certificate.
- Complete and submit the Free Application for Federal Student
Aid (FAFSA), and sign the statement certifying that you will use
federal student aid only for educational purposes.
- Register with selective service, if required.
- The requirement to register applies to males who were born on
or after January 1, 1960, are at least 18 years old, are citizens
or eligible noncitizens, and are not currently on active duty in
the U.S. Armed Forces.
- Citizens of the Federated States of Micronesia, the Marshall
Islands, or Palau are exempt from registering.
- Not be in default on a federal student loan and not owe money
back on a federal student grant
- Not have your Title IV eligibility suspended due to a federal
or state drug conviction.
- Completed the FAFSA for the term(s) enrolled.
How to Start
Finding financial aid begins with filing a Free Application for
Federal Student Aid (FAFSA) online. Which FAFSA should you
complete?
- Enrolling in Fall 2010, Spring 2011 or Summer 2011? Complete
the 2010-2011 FAFSA.
- Enrolling in Fall 2011, Spring 2012, or Summer 2012? Complete
the 2011-2012 FAFSA.
What is the FAFSA?
The FAFSA determines a student's eligibility for grants and
loans. Prerequisite students are only eligible for Federal Direct
Subsidized and Unsubsidized Loan(s) and may also qualify for
Federal College Work Study funds for on-campus employment.
How to File a FAFSA
The application can be completed at www.fafsa.ed.gov. National University of Health
Sciences' school code is 001732.
Prerequisite Program students are classified as undergraduate at
the 5th year grade level. If you have already submitted the FAFSA
or are completing the FAFSA for the first time, the follow must be
updated and entered into 2010-2011 FAFSA numbers:
- Q. 28: Enter 5 for 5th year/other undergraduate.
- Q. 29: Enter 7 for non-degree program.
- Q. 48: Enter NO because the Prerequisite Program is
undergraduate.
When you enter a professional program these data items need to
be updated to the appropriate graduate responses for the term you
enter a professional program at NUHS.
FAFSA PIN
The PIN allows students and parents to electronically sign the
FAFSA and Master Promissory notes and complete Entrance Counseling
for the Federal Direct loans. You can apply at the Department of
Education's PIN site, www.pin.ed.gov. The PIN also allows students to
access information to track their student loans at www.nslds.ed.gov.
Verification
Sometimes additional information will be requested by the Office
of Financial Aid prior to determining a final award offer. You will
be contacted via email when additional documents or information are
required. This may include, but is not limited to, the following
items:
- Signed and dated copy of federal income tax return from you
and/or your parents (including W-2 statements)
- Completed Verification Form
- Signed statement listing your taxable income if you did not
file a return
- Detailed summary of you and/or your parents' assets, including
all liquid and non-liquid resources