Financial Aid

Questions? Call us NOW at (440) 891-7600!

Financial Aid is available for those who qualify.

Students are responsible for submitting a Federal Application for Federal Student Aid (FAFSA). The FAFSA application is reviewed and processed by the U.S. Department of Education. Students should add the Polaris Career Center “School Code” 016745 to their application.  This enables the Financial Aid Coordinator to  access and view the student’s  eligibility.  It is recommended that the student start the application process for all financial aid options well in advance of registering for a program.

Programs Eligible for Financial Aid (for those students who qualify)

  • Cosmetology
  • Dental Assisting
  • Early Child Care Education/Child Development Associate
  • Heating, Ventilating, Air Conditioning, & Refrigeration (HVAC/R)
  • Medical Assisting
  • Medical Billing & Coding
  • Natural Resources/Ranger/Basic Peace Officer Academy (OPOTA)
  • Pharmacy Technician
  • Precision/CNC Machine Technology
  • Welding

The following U.S. Department financial aid options are available for those who qualify:

Pell Grant Overview

  • The maximum award for 2015-2016 is $5,775 for a 900 +, clock hour program and $3,850 for a 600-clock hour program.
  • Award amounts are based on the student’s EFC (Expected Family Contribution), calculated from the previous year’s income information submitted on the FAFSA (Free Application for Federal Student Aid).
  • Students are required to self-pay the balance of tuition not covered by the Pell Grant and/or the student may apply for a student loan.
  • All Pell grant funds, when received,  are applied directly to the student’s tuition balance.  The Pell Grant does not have to be repaid.
  • To remain eligible for Pell Grant funds,the student must maintain a minimum of 90% attendance at all times, as well as maintain satisfactory academic progress (C average).
  • Pell grant funds are meant to assist students with tuition and will not cover tuition costs completely.  Students may consider applying for a William D. Ford student loan to pay the additional tuition costs not covered by the Pell grant. It is suggested that a student wishing to complete a student loan application do so at the same time they complete their Pell grant  (FAFSA) application.  A student loan is only activated after a student registers for a program and accepts the award.

Applying for the Pell Grant:

Please follow these steps to apply:
Step 1 – Collect items that will help in completing the FAFSA application, for example: tax returns, bank statements, welfare, assets, child support documentation, etc. Applicants under the age of 24 must include their parents financial information in the application.
Step 2 – Visit https://fsaid.ed.gov and apply for an FSA ID User Name and Password.  The FSA ID replaces the Federal Student Aid PIN#.  If you already have a PIN #, you can link your information to your new FSA ID by entering your PIN# while registering for your FSA ID.  If the student is under the age of 24, a parent must also apply for a FSA ID User Name and Password.
Step 3 – Complete the 2015-2016 FAFSA application form on-line at www.fafsa.gov
The Polaris Career Center school code is:  016745
Step 4 – If the student provided an email address on their FAFSA application, the student will receive (within 3 – 5 days),  a SAR (Student Aid Report) from the U.S. Department of Education. If the student did not provide an email address, the SAR report will arrive by mail within 3 weeks.
Step 5 – After receiving the SAR report, the student is responsible to contact the Financial Aid Coordinator at 440-891-7612.

All financial aid awards must be confirmed with the Financial Aid Coordinator  before registration can be initiated.

Step 6 – All Job  & Career Training program students must register in person at Polaris Career Center, Adult Education Office. A Tuition Agreement Plan will be created and signed requiring a valid  MasterCard or Visa.

William D. Ford Student Loan Overview

  • Student loans must be repaid to the federal government. The first payment begins six months after completing or withdrawing from school.  The student will receive communication from an assigned servicing agency the U.S. Department of Education chooses to manage the loan repayments.
  • Subsidized Loans are available for students with demonstrated financial need, as determined by federal regulations.  No interest is charged while the student is attending school.  The maximum amount that can be borrowed is $3,500 (less agency processing fee) for a 900 clock hour program and $2,333 (less agency processing fee) for a 600 clock hour program.
  • Unsubsidized Loans are not based on financial need.  Interest is charged beginning with the first disbursement.  The maximum amount that can be borrowed is $6,000 (less agency processing fee) for a 900 clock hour program and $4,000 (less agency processing fee) for a 600 clock hours program.
  • Annual Loan Limits for Independent and Dependent students (as recognized on the FAFSA) also apply.  The Annual Loan Limits for both subsidized and unsubsidized loans for dependent students is $5,500 and for independent students is $9,500.  (No more than $3,500 of this amount may be in subsidized loans)
  • For further information visit www.direct.ed.gov 
  • or contact the Financial Aid Coordinator at 440-891-7612.

Applying for William D. Ford Federal Student Loan:

Step 1 – Complete the 2015-2016 FAFSA.
Step 2 – Visit www.studentloans.gov.
Step 3 – Log in with the student’s  FSA ID user name and password.
Step 4 – Carefully read the information provided regarding the loan process, subsidized and unsubsidized loans, processing fees, interest rates, and repayment.
Step 5 – Complete and submit the  “Entrance Counseling” section. This step is dependent upon the student’s loan being disbursed.
Step 6 – Complete and submit the “Master Promissory Note” (MPN). This step is also dependent upon the student’s loan being disbursed.
Step 7After waiting 3 – 5 days from submission, the student is responsible for confirming loan approval, by contacting the Financial Aid Coordinator, at (440-891-7612).  At this time, the student will also confirm with the Financial Aid Coordinator the amount the student wishes to borrow.
Step 8 – Once the student’s Pell grant and/or student loan amounts have been confirmed, the student may register in-person at Polaris Career Center.   A valid MasterCard or Visa must be presented at the time of registration.
Step 9 – Complete and submit the “Exit Counseling” section before the last loan disbursement.

Federal financial aid, including loans and grants, will first be applied to student tuition accounts. Funds remaining above current charges will be mailed within 2 weeks of receipt of the funds to the student’s address of record.

The Pell Grant and William D. Ford Federal Student Loans are each disbursed in two separate payments.  One half of each award will be disbursed at the beginning of the program and again at the mid-point of the program. Polaris Career Center adheres to the policies and procedures established by the U.S. Department of Education, the Auditor of the State of Ohio, and the Treasurer’s Office for all disbursements.

REGISTRATION:

Please note – to register, a student must appear in-person and bring the following documentation with them:

  • The student’s high school diploma/transcript (from an accredited high school), or GED diploma (General Educational Development), or its equivalent.
  • The student’s valid government issued photo ID, (ie driver’s license or state ID)
  • The first tuition payment (the amount due depends on the student’s financial aid award)
  • If the tuition is not paid-in-full at the time of registration, a VISA or MasterCard is required to complete the registration. If the student is using a friend or relative’s debit/credit card, a note from the card holder authorizing Polaris Career Center to use the card must be received from, and signed by the card holder.) For students receiving full financial aid awards, the VISA or MasterCard is kept on-file for collateral purposes only.

 In addition, the following are requirements for specific programs:

  • Cosmetology – proof of residency (original recent utility bill, property tax bill, bank statement, or lease agreement
  • Natural Resources/Ranger/Basic Peace Officer Academy (OPOTA), Pre-registrations will be taken for this program.  Students may register once all prerequisite requirements listed below are met.
    • Be 21 years of age by the completion of the program.
    • Complete a background check with satisfactory results (No felonies or serious misdemeanors). (Information given once student completes pre-registration.)
    • Complete a physical exam with an MD, DO, PA, or CNP using state required form. (Information given once student completes pre-registration.)
    • Pass the physical fitness assessment test. (Information given once student completes pre-registration.)
    • Attend the mandatory meeting scheduled for July 30, 2015 at Polaris Career Center in room 203. (Information given once student completed pre-registration.)

Once a student has satisfactorily completed all prerequisites, the student may register in-person and follow the registration requirements as listed above.

Tuition Payment Plan

  • An interest-free tuition payment plan is offered by the Adult Education Department for Job & Career Training Programs.  Students may visit Polaris Career Center, Monday through Friday from 8:30AM – 3:30PM (except during the 2 week winter/holiday break) to complete a Tuition Agreement plan and register.  Please note – first payment will be due at time of registration. If the times stated above are not convenient for you, please contact the Administrative Coordinator at (440-891-7653), to make arrangements for registration.
  • The cost of the program will be divided into payments (depending on the length of the class) with an initial payment due at the time of registration and the final payment scheduled for one month prior to the end of the program.
  • The student will have the option to give Polaris Career Center authorization to automatically make the scheduled payments on the credit card listed on the Tuition Agreement. If the student does not authorize this option, it is the students responsibility to pay the scheduled payments within the 5 day grace period to avoid a $50.00 last fee.
  • If any payment is not made within 5 days of the listed due date, a $50 late fee will automatically be added to the current monthly payment and the total current monthly payment will be charged automatically to the student’s VISA or MasterCard on file.
  •  Monthly payments are due the 1st of each month (only) beginning with the month the program begins.

Any unpaid balances not paid by the end of the fiscal year will be referred to the Ohio Attorney General’s office for collection.

ARE YOU A VETERAN?

You can use your POST- 9/11 GI Bill for Vocational/Technical Training at Polaris Career Center. The link below will get you started with your Veterans on-line Application (VONAPP).
VONAPP

Net Price Calculator
Click here to access the Net Price Calculator.

Transferring your IRS data to your FAFSA:
click here

Requesting your IRS Tax Transcript:
click here

How to create an FSA ID (a username and password which replaces the Federal Student Aid PIN number) click here

Managing Your Student Loans:

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s central database for student aid. You can access your federal student loan information by clicking here

 

FREE Registration and Financial Aid Presentation
click here for dates and times.

Adult Education Student Consumer Handbook

Click here to access the Adult Education Student Policies and Financial Aid Consumer Handbook.

Discounts

Discounts (only one discount from the following may be applied)

  • Residents and/or high school graduates from the following communities are given a $100 discount on any of the Job & Career Training Programs.
    Berea                 Fairview Park             Olmsted Falls
    Brook Park         Middleburg Heights     Olmsted Twp.
    Brooklyn            North Olmsted            Strongsville
  • Polaris GED graduates are given a $100 tuition discount on any of the Job & Career Training Programs.

TRANSFER OF STUDENTS FROM OTHER INSTITUTIONS

Polaris Career Center does not grant advanced standing to students transferring from other institutions.

TRANSFER OF STUDENTS BETWEEN PROGRAMS

Prior to the start date, registered students may not transfer to another program. Students must withdraw from their current program and re-register for another program. The $100 cancellation fee policy will be in effect and applied.

Withdrawal/Refunds

Official Withdrawal – Withdrawal from a Job & Career Training Program is considered official on the date notification is received in the adult education office from the student.  Tuition fees will continue to accrue until notification is received from the student.  A $100 cancellation fee will be charged for all job & career training program withdrawals.  Refunds are prorated and based on the hours the program was held until withdrawal notification date.  Books and material fees are non-refundable.  If a student paid tuition by check or cash, the refund will be disbursed within 15 business days in the form of a Polaris Career Center check.  If the student paid tuition using a credit card, the refund will be credited on the credit card initially charged.

Unofficial Withdrawal – Withdrawal from a Job & Career Training Program is considered unofficial when a student does not attend, contact the instructor, or the Adult Education office for 10 consecutive days. Tuition fees will continue to accrue until the 10th day at which time a student will be withdrawn automatically. A $100 cancellation fee will be charged for all job & career training program withdrawals.  Refunds are prorated and based on the hours the program has been held until withdrawal date.  Books and material fees are non-refundable.  If a student paid tuition by check or cash, the refund will be disbursed within 15 business days in the form of a Polaris Career Center check.  If the student paid tuition using a credit card, the refund will be credited on the credit card initially charged.

Students who officially withdraw or are unofficially withdrawn and have a balance due will be invoiced by Polaris Career Center and given 60 days to pay the balance. Students may contact the Adult Education office if a payment plan is needed. If after 60 days the balance is not paid in full, the debt will be reported to the Ohio Attorney General’s office for collection.

1098-T Tax Forms

All job & career training students will receive via mail a 1098-T form annually.