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Education

Finances

The Citizens School of Nursing has established a tuition and fee schedule for the academic year 2014-2015.  Tuition and fees are subject to change. 

Please read the following sections regarding finances:


Student Financial Responsibilities

All tuition is payable on the first day of each term unless the student has sufficient financial aid funds to pay these costs.  All business conducted with the School of Nursing is to be conducted via the use of a check or money order made payable to Citizens School of Nursing. It is suggested that students have their own checking account.

Students are financially responsible for transportation to and from the school and to and from outside experiences.

All students are required to carry student liability insurance. The Nursing School Office will notify the student of this requirement as part of the preadmission material. The student will give the Nursing School Office a copy of his/her Professional Liability Declaration.  Evidence of insurance must be on file before the student may participate in clinical experience.


Financial Literacy

At Citizens School of Nursing, we have a commitment to default prevention and to provide educational resources to our students to prepare them for financial success during and after their time at Citizens School of Nursing. We partner with USA Funds’ Life Skills program. All students are encouraged, and returning or 2nd year students are required, to complete the life lessons available on the Life Skills website at www.lifeskills.org.


 

About Financial Aid

Financial aid is intended to help defray the cost of an education.  The primary source of support is expected to come from the family and the student.  Other sources of support are state and federal government aid programs and scholarships.

 


FAFSA (Free Application for Federal Student Aid)

All students should file the Free Application for Federal Student Aid (FAFSA) before May 1 so that they will be considered for all grants, including the Pennsylvania state grant (PHEAA) and the federal Pell grant and other financial aid.  The application and instructions to file the FAFSA are on the web at www.fafsa.ed.gov.

The results of filing the FAFSA determine each applicant's Expected Family Contribution (EFC).  The cost of attendance (COA) - EFC = demonstrated need.

 


Types of Financial Aid

Types of financial aid are as follows:

 

Federal Pell Grant

The Pell grant is a federal grant applied for by using the FAFSA.  The central aid processor will email a Student Aid Report (SAR).  This type of financial aid does not have to be repaid.  Students must apply each year for continued consideration.

 

Federal Supplemental Educational Opportunity Grant (FSEOG)

The FSEOG is a small additional grant awarded to students who demonstrate the highest financial need.  Students who receive a Pell grant are given priority in the awarding of the FSEOG.  Maximum grants are $400 but can be limited by the available funding from the federal government.

 

Pennsylvania (PHEAA) Grant

State grants are disbursed differently from federal financial aid funds.  Annual awards are disbursed proportionately to the number of credit units of each term within the academic year.  Terms I, II, III, and IV are considered the first year, and Terms V, VI, VII, and VIII are the second year.

PHEAA determines a student's eligibility for each academic year based on information provided on the FAFSA.  Students will receive an additional request form for information from the PHEAA after the FAFSA is completed.  Eligibility for the PHEAA grant will not be determined until that supplemental information form is completed.  Students are notified via email.

 

Federal Nursing Student Loan 

Federal nursing student loans are funded and approved under guidelines set by the federal government.  Applications can be obtained from the Citizens School of Nursing Financial Aid Office and returned for processing.  Current interest rate is 5% with a 9-month grace period.  The maximum loan award is $2000 per academic year.  However, loan amounts are subject to available funds in the program and the student's financial aid eligibility.

 

Federal Direct Student Loan Program 

The federal direct student loan program consists of the Subsidized and Unsubsidized Stafford Loan programs.  Master promissory notes (MPNs) can be completed at www.studentloans.gov.  Students must also complete a Loan Amount Request Form (LARF) and return it to the School's Financial Aid Office.  The School of Nursing recommends that you apply at least 8 weeks before the start of the first term (by July 1). 

The interest rate is variable; the current interest rate is 3.86% for undergraduate Subsidized and Unsubsidized loans.  There is a 6-month grace period after you cease enrollment at Citizens School of Nursing in which only unsubsidized interest is due.  Repayment of principal and interest begins at the completion of the grace period.

Maximum loan levels are as follows:

Loan Level Stafford Unsubsidized Stafford
Level 1 Dependent $3500 $2000
Level 1 Independent $3500 $6000
Level 2 Dependent $4500 $2000
Level 2 Independent $4500 $6000

Scholarships

Qualified Citizens School of Nursing students may apply for the  following School scholarships:

Ann Miller Seybold Scholarship - Established in 2009 for needy and worthy 2nd year student.  Given by Raymond C. and Ann M. Seybold Scholarship Fund.  Applicants must have a minimum of 2.75 QPA, have filed the FAFSA, and be in good standing on any previous loans.  Essay on why the applicant has chosen to be a nurse and how the scholarship will enable the student to obtain that goal.  The recipient is required to write a thank you note to the benefactor.

Helen Rosko Ellison Scholarship - Funded by a gift to Citizens School of Nursing by Debra and George Ellison in celebration of the life and nursing career of Helen Rosko Ellison.  The Scholarship is intended to fund academically worthy and financially needy nursing students.  Applicants must have a minimum 2.75 QPA, have filed the FAFSA, and be in good standing on any previous loans.  An essay is also a requirement.  This is a scholarship for entering nursing students and can be renewed for the second year provided that the student maintains satisfactory academic progress.  The application deadline is May 1.  Each recipient will be required to write a thank you note.


Professional Judgment

An aid administrator may use professional judgment (PJ), on a case-by-case basis only, to alter the data elements used to calculate the EFC. 

Some examples of special circumstances are recent unemployment of a family member or other drastic changes in the family's income or assets.

 

Tuition Reimbursement

Remember to ask your employer's human resource professionals if your employer offers any type of tuition reimbursement or assistance with your nursing school tuition and fees.

 


 

Academic Year Definition

Citizens School of Nursing is a clock hour, standard term program consisting of eight terms with a minimum of 900 clock hours. Additional required college course instruction can increase the total number of credit hours in the program if a student is required to take the college support courses during the nursing program. Many students complete all or part of the college support courses prior to enrollment in the nursing program and those course credits are transferred into the program but the credits are not used in determining grade level advancement.

The school uses an academic year definition of 900 clock hours and a minimum of 40 weeks of instruction to process financial aid.

Students enrolled in the Nursing only curriculum advance in the following manner:

Grade Level 01         Terms I, II, III, IV            270 clock hours, 10 weeks per term
Grade Level 02         Terms V, VI, VII, VIII     270 clock hours, 10 weeks per term

Students enrolled in the Nursing and full college support course curriculum advance in the same manner as the Nursing only students. The only difference will be that the students will have higher credit totals.

Students are expected to complete the remaining college support courses within the time they are enrolled at Citizens School of Nursing through a prescribed master rotation plan.

The term credit used in reference to nursing courses is for financial aid purposes only since the School of Nursing does not grant college credit.

 


Tuition Refund Policy

It is the policy of Citizens School of Nursing to promptly refund any credit balance to a student, as well as calculate any potential refund due on a portion of tuition paid by a student who has been dismissed or is withdrawing from the educational program.

To obtain the tuition refund, the student must notify the School of Nursing in writing of his/her intention to withdraw from the program.

The date of the withdrawal, as per written letter, will determine the amount of refund:

  • If a student withdraws after 60% of the term is completed, no reduction of charges or refund occurs.
  • If withdrawal occurs before the 60% point of the term is completed, then the following formula is applied. An example follows:

                       # of calendar days completed
                       # of calendar days in the term      =      % of aid earned

                       100% minus % of aid earned = % of refund

        Example: S. Smith withdrew after completing 42 days of Term 1 of the nursing program.

                        42
                       
117     = 35.9% of aid earned

                        100% minus 35.9% = 64.1% refund due

If a student withdraws or is dismissed from the program, no federal or state aid monies will be refunded directly to the student. Aid will be returned to the aid sources in the order stipulated by the federal government in a timely manner.

For Pennsylvania (PHEAA) grants, the refund calculation is different from the Title IV calculation. If the student withdraws during the first week of class, the entire state grant will be returned to PHEAA if it was posted to the account. After the first week of classes, if the state grant has been posted to the account, no refund of state grant funds will occur because no refund of tuition costs occurs after that point. State grants not posted to an account will be canceled in full.

Students are still responsible for the book and iPod charges if it is determined that these items cannot be returned to the school.

Refund of concurrent college course tuition is determined by the respective college policy. Most colleges do not refund after the end of the drop-add period. Should a refund be due, the refund will be made from the college to the School of Nursing. Then, the School will credit the student’s account and determine the refund status from that point.

 


Financial Aid Refunds

When the student's financial obligation to the school has been met, students who have been awarded financial aid will receive refunds in accordance with the policies and time frames of the financial aid sources.

All refunds will be processed after the beginning of the term.

Refunds take 3 working days for processing in accordance with federal, state, and hospital policies.

If a student withdraws or is dismissed from the program, no aid monies will be refunded to the student. Aid monies will be returned to the financial aid source in accordance with the rules and regulations of that source.

Emergency refunds may be given special consideration.  Please contact the School Director for consideration.

 

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