Please read the following sections regarding finances:
All fees and tuition are to be paid to the accounting office at Citizens School of Nursing by the first day of each billing period, unless the student has sufficient financial aid funds to pay those costs or is set up on a payment plan.
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.
Students are financially responsible for transportation and parking to and from the school and to and from outside experiences.
All students are required to carry student liability insurance. The School of Nursing Office will notify the student of this requirement as part of the preadmission material. The student will give the 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.
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.
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 FAFSA form and instructions to file the FAFSA are on the web.
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 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
All students receiving Pennsylvania (PHEAA) grants must earn at least 24 credits during the previous period in which they receive two semesters of grant funding. Students are eligible to receive a maximum of eight (8) semesters of PHEAA grant aid. The current award limit is set by PHEAA each year. Apply annually using the FAFSA by May 1 for continued assistance.
Federal Nursing Student Loan
Funded and approved under guidelines set by the Federal Government. Applications can be obtained from the Financial Aid Office and returned for processing. Current interest rate is 5% with a 9-month grace period. Maximum loan award is $1500 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
This program consists of the Subsidized and Unsubsidized loan programs. Master promissory notes (MPNs) must be completed via the Federal Student Aid website along with entrance counseling. The student must also complete a Loan Amount Request Form (LARF) and return it to the school's Financial Aid Office. The School of Nursing recommends applying at least 8 weeks before the start of the first term.
The interest rate is variable for Subsidized and Unsubsidized loans. There is a 6-month grace period after ceasing 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:
Level 1 Dependent
Level 2 Dependent
Level 2 Independent
Qualified Citizens School of Nursing students may apply for School scholarships.
Citizens School of Nursing is a credit hour, standard semester program consisting of 4 semesters and one summer term. 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 24 credits and a minimum of 36 weeks of instruction to process financial aid.
Students enrolled in the Nursing only curriculum advance in the following manner:
Semester I and II 19 credits
Semester II to Summer Term 38 credits
Summer Term to Semester III 44 credits
Semester III to Semester IV 61 credits
Semester IV to Graduation 74 credits
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.
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. A nursing equivalent credit is defined as 15 hours of theory or 45 hours of clinical. One hour instruction = 50 min.
It is the policy of Citizens School of Nursing to promptly refund any credit balance to a student, as well as 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 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. [Top]
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.
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