Financial Aid Information

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  • Federal Direct Loan Information

    Federal Direct Student Loans

    Federal Direct Student Loans are included as part of a student's financial aid package.  Students who remain enrolled at least half-time may defer payments on these loans until six months after leaving school.  The FAFSA form is the application for Federal Student Loans.  New borrowers will receive instructions by email after July 1st to complete an electronic Master Promissory Note and Entrance Counseling session. Please note new OBBB regulations with Federal Direct Student Loans starting July 1, 2026:  Students enrolled less than full time (6-11.5 credits) will have their Federal Direct Student Loan prorated based on their enrollment status.  

     

     

    Required
    Federal Direct Student Loans 2026-2027.pdf
    Federal Direct Parent Plus Loan - Parent (Dependent students ONLY)

    Parents of dependent students are able to borrow through the Federal Direct Parent PLUS Loan.  A credit check is required.  Please see information sheet attached and Instructions.    

    Required
    Federal Direct Parent Plus Loans Fall 2026.pdf
    Federal Direct Graduate Plus Loan (Independent Graduate students ONLY)

    OBBBA Notice: Federal Direct Graduate PLUS Changes (Effective July 1, 2026)
    Under the One Big Beautiful Bill Act (OBBBA), the Federal Direct Graduate PLUS loan program will be eliminated effective July 1, 2026.

    Legacy Provision (continuing eligibility): If you have received a Federal Direct Loan made before July 1, 2026 while enrolled in a credentialed program, you may continue borrowing from the Federal Graduate PLUS program for an additional three academic years or the remainder of your expected time to credential, whichever is less.  If you are not eligible under the legacy provision, you may not be able to obtain a Graduate PLUS loan for periods after July 1, 2026.  

    Required
    Federal Direct Graduate PLUS Loans 2026-2027.pdf
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  • Private Education Loan Information

    A list of private educational loans is available at http://www.elmselect.com
     
    Private Educational Loans are available based on credit approval.  Private Educational Loans are made in the student's name with a credit-worthy co-signer and can take 1-2 weeks to process.  The maximum amount that may be borrowed is the school's cost of attendance minus any other financial aid.  For some loan programs, principal and interest may be deferred while the student is enrolled in the school at least half-time.  Fees and interest rates for these types of programs vary greatly and depend upon the credit criteria of the borrower (student) and co-signer.
    Institutional Code of Conduct for Education Loans
    Required
    Private Educational Loan-Code of Conduct 24-25.pdf
    Private Education Loan Information
    Required
    Private Educational Loans 2026-2027.pdf
    Private Parent Education Loan Information
    Required
    Private Parent Educational Loans 2026-2027.pdf
    Private Lender List Selection Process
    Required
    Private Lender List Selection Process 2026-2027 (New).pdf
    While focused on a reorder icon, press the Enter key or spacebar to "select" the icon. While a reorder icon is selected, pressing the up and down arrows will change the order of the selected item within the list. Pressing Enter key or spacebar again will drop the selected item at that location in the list.
While focused on a reorder icon, press the Enter key or spacebar to "select" the icon. While a reorder icon is selected, pressing the up and down arrows will change the order of the selected item within the list. Pressing Enter key or spacebar again will drop the selected item at that location in the list.
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