Financial Aid

Financial Aid is available for those who qualify. The Free Application for Federal Student Aid (FAFSA) is the first step in applying for financial aid and is available through the student financial aid office. You only need to complete one FAFSA per award year. Be sure to follow all instructions carefully as filling out this form correctly the first time will speed up the financial aid process.

• You may complete your FAFSA on the web (fafsa.ed.gov).
• Enter the ANHO school code: 033463
• For assistance with financial aid, please call to schedule a meeting with a Financial Aid Representative Monday – Thursday 7:30 am – 6:00 pm.

  
  

FUNDING YOUR EDUCATION: THE GUIDE TO FEDERAL STUDENT AID

FINANCIAL AID INFORMATION AND PACKAGING POLICY

Financial aid applicants at ANHO are processed using the same criteria used by the US Department of Education (ED). Financial assistance is awarded based on financial need. ANHO’s financial aid staff have developed a packaging policy to ensure consistent, equitable, and fair distribution of financial aid funds.

I. Students must meet the general student eligibility requirements:

• Demonstrate financial need
• Have a high school diploma, GED or equivalent
• Be enrolled in an eligible program
• Be a US Citizen or eligible non citizen
• Maintain satisfactory academic progress as determined by ANHO.

Note: These may be reviewed in the ED publication Funding Your Education Beyond High School available in the financial aid office.

II. ANHO Participates in the Federal Pell Grant Program and Direct Loan (DL) Programs

• Federal Pell Grant is a grant and does not need to be paid back and must be considered Before any loan funding. The student’s eligibility is based on a formula utilized when the student completes the Free Application for Federal Student Aid (FAFSA). All students are encouraged to complete FAFSA on the web at http://fafsa.ed.gov.
• DL are federal loan programs are based on financial need and have low interest rates and deferred payments until after a student graduates. All students receiving a loan are required to complete entrance counseling and exit counseling as part of their financial aid package.
• The Financial Aid staff must review the National Student Loan Data System (NSLDS) and Common Origination and Disbursement (COD) prior to awarding loans to review any prior loan history, default status, Pell Grant overpayment, lifetime limit on Pell and Subsidy Usage Limit.

III. ANHO is approved for state aid with Florida Bright Futures Program and FSAG Grant

IV. ANHO accepts CareerSource PBC Individual Training Account Vouchers as well as CareerSource PBC Youth Scholarships when applicable and Community Action Program scholarships, if eligible.

V. ANHO accepts veterans educational benefits under the GIBill® for eligible veterans. More information at Vets.gov.

• For Post 9/11 GI Bill® (Ch 33) students and VA Vocational Rehabilitation and Employment (Ch 31) students, our tuition policy complies with 38 USC 3679(e) which means Post 9/11 and Vocational Rehabilitation and Employment students will not be charged or otherwise penalized due to a delay in VA tuition and fee payments. For eligibility consideration, a Post 9/11 GI Bill student must submit a VA Certificate of Eligibility (COE) and a Vocational Rehabilitation Student must provide a VAF 28-1905 form.
• GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by VA is available at the official U.S. government website at www.benefits.va.gov/gibill

VI. ANHO utilizes standard budgets that represent a cost of attendance which includes the student’s:

VII. A student’s need is determined by the following formula:

1. 1. 1. Cost of attendance (COA)
         (minus expected family contribution (EFC) from ISIR/SAR)
         (minus estimated financial aid-EFA)
         = financial need

VIII. Estimated Financial Aid

1. 1. Pell Grant
      1. Eligible amount determined by EFC from ISIR/SAR
   2. CareerSource Palm Beach County Scholarship / Vouchers
      1. Eligible amount varies
   3. State Aid
      1. Eligible amount determined by the state
   4. FFEL or DL loans Subsidized loan amounts for independent and dependent students
      1. 1st year $3500
      2. 2nd year $4500

      Unsubsidized loan amounts for independent students

      1. 1st year $6000
      2. 2nd year $6000

      Unsubsidized loan amounts for dependent students

      1. 1st year $2000
      2. 2nd year $2000

      Note: Aggregate loan limits are $57,500.

      Note: Dependent students can borrow up to a $6000 unsubsidized loan if the parents were denied a PLUS loan.

   5. Private Pay
      1. The Financial Aid staff will determine what the student needs to pay prior to enrollment.

IX. DL loans can never exceed the cost of attendance minus EFC minus EFA

X. DL loans have subsidized, unsubsidized and PLUS (parent) loans

XI. Subsidized loans are based on financial need with the following formula:
COA minus EFC minus EFA=Financial Need

XII. Unsubsidized and PLUS loans are based on financial need with the following formula:
COA minus EFA=Financial Need

XIII. Once a student’s eligibility and financial need are determined, the student’s aid is processed using the college’s third party servicer (FAME) and an award letter is generated for the student. The student must be notified of the financial aid they are eligible to receive.

XIV. Financial Aid staff and third party servicer are responsible for processing student’s loans.

XV. Title IV HEA credit balances 34 CFR 668.164(h):
A Title IV, HEA credit balance occurs whenever the amount of Title IV, HEA program funds credited to a student ledger exceeds the amount assessed for allowable institutional costs for the payment period. The Title IV, HEA credit balance will be paid directly to the student or parent, as applicable, as soon as possible but no later than 14 days after the balance occurred unless written authorization is given to hold the funds until the end of the payment period for Pell and the end of the Loan Period for Direct Loans.

XVI. Non-Title IV Credit Balances:
For all non-Title IV Credit balances, returns will be governed by the funding source. If credit was due to a student direct payment toward tuition and fees, the credit balance will be paid to student within 30 days after the balance occurred.

The Financial Aid Office is open 7:30 – 6:00 p.m. Monday – Thursday.

Further information such as criteria for selecting recipients, determining eligibility for amounts of Aid, how and when aid will be disbursed, as well as how loans are expected to be repaid, are found in the Department of Education’s “Funding Education Beyond High School” which may be obtained from the college’s financial aid office. This information will be given to each applicant upon meeting with the Financial Aid Representative. Further information may be found at www.studentaid.ed.gov.

Academic Year Definition: Health Occupations &PN Students=900 Clock Hrs /Associate of Science Degree Students=32 Wks and a minimum of 24 Semester Credit Hours. Full-Time Non-Degree Seeking Students must attend a minimum of 24 hours per week. Full-time Degree Seeking Students must satisfactory complete a minimum of 67% of attempted credits in each semester term. Information and student financial aid assistance can be obtained by calling ANHO’s main number and asking for the Financial Aid Representative. For those students who do not hold a GED or High School Diploma, GED Courses are available at:

Ombudsman Office can be contacted by phone at (877) 557-2575 or or via on-line at www.studentaid.gov/repay-loans/disputes/prepare, via fax at : 606-396-4821, or by mail: FSA Ombudsman Group, PO Box 1843, Monticello, KY 42633.