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 processed by the U.S. Department of Education. Students should add the Polaris Career Center “School Code” (016745), which will then enable the financial aid office to have access to view student eligibility. Once the student applies, they should notify Polaris Career Center that they have submitted an application. It is recommended that the student start the application process prior to registering for a program.

The following financial aid options exist to cover all or part of your training tuition:

Pell Grant

  • The maximum award for 2013-2014 is $5,645 for a 900, 930, 946 or 1500-clock hour program and $3,764 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).
  • Pell Grant awards are applied to the student’s tuition account when enrolling in a full-time job training program meeting 600 or 900, 930, 946, or 1500-clock hours.
  • Students are required to self-pay the balance of the tuition not covered by the Pell Grant or other type of financial aid.  Free tuition payment plan available.
  • All Pell Grant funds are applied directly to tuition.  The Pell Grant does not have to be repaid.
  • To remain eligible for Pell Grant funds, a full-time student must maintain satisfactory academic progress (C average), in addition to a minimum of 90% attendance at all times. Students not in compliance will be responsible for paying the portion of financial aid expected to be received.

Instructions for Applying for the Pell Grant

Please follow these steps to apply for financial aid:
Step 1 – Collect items that will help in completing the FAFSA application, for example: tax returns, bank statements, welfare, assets, child support documentation, etc.
Step 2 – Go to www.pin.ed.gov and apply for a PIN number. If you are a dependent student, a parent must also apply for a PIN number. You may create your own PIN number and use it the same day to sign your FAFSA.
Step 3 – Complete the 2013-2014 or the 2014-2015 FAFSA (depending on the program start date).
The Polaris Career Center school code is:  016745
Step 4 – If you provided an email address on your application, you will receive within 3 – 5 days a SAR (Student Aid Report) from the U.S. Department of Education. If you did not provide an email address, it will arrive by mail within 3 weeks. If you would like to check the status of your FAFSA, go to www.fafsa.gov.
Step 5 – Once you have received your SAR report, contact Pat Carter, Financial Aid Coordinator at 440-891-7668.
Your financial aid must be confirmed with Pat Carter before registration can be initiated.
Due to heavy call volume, it might be necessary to leave the following information in a voicemail message:
1) state and spell your name
2) a return phone number where you can be reached
3) the name of the program you intend to register for, and
4) state that you’ve completed your FAFSA application
Step 6 – All students who are financial aid recipients are required to register at Polaris Career Center, Adult Education Office, by completing a Tuition Agreement.  A valid MasterCard or Visa must be presented at the time of registration and will be kept on file for collateral purposes.

William D. Ford Student Loan

  • Student loans must be repaid. Repayment starts six months after completing school.
  • Subsidized Loans are available for students with demonstrated financial need, as determined by federal regulations.  No interest is charged while you are in school.  The maximum amount that can be borrowed is $3,500 (less the processing fee).
  • 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 the processing fee).
  • For further information visit www.direct.ed.gov

Instructions for Applying for William D. Ford Federal Student Loans

Step 1 – Complete the  2013-2014 or the 2014-2015 FAFSA (depending on the program start date).
Step 2 – Visit www.studentloans.gov.
Step 3 – Sign in with your FAFSA PIN.
Step 4 – Carefully read the information provided regarding the loan process, subsidized and unsubsidized loans, processing fees, interest rates, and repayment.
Step 5 – Complete “Entrance Counseling.”
Step 6 – Complete and submit the “Master Promissory Note” (MPN).
Step 7 – Contact Pat Carter (440-891-7668), Financial Aid Coordinator, 3-5 days after the MPN has been submitted, to confirm loan approval and to certify the amount you want to borrow.
Step 8 – Once you have confirmed your Pell Grant and/or student loan amount, you may register at Polaris Career Center in person. All financial aid student recipients are required to register at Polaris Career Center, Adult Education Office, by completing a Tuition Agreement.  A valid MasterCard or Visa must be presented at the time of registration and will be kept on file for collateral purposes.
Step 9 – Complete “Exit Counseling” before the last loan disbursement.
Federal student loan funds will be applied first toward outstanding tuition costs for the current loan disbursement period.  Once student accounts are made current with loan funds, remaining loan monies due to students will be mailed 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 in the Fall and one half will be disbursed in the Spring, depending on the class start date.  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.

Instructions for Applying for a Tuition Payment Plan

  • An interest-free tuition payment plan is offered by the Adult Education Department for Job Training Programs.  Students may visit Polaris Career Center, Monday through Friday from 8:30AM – 3:30PM to complete a payment 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 Mary Koeka, Administrative Coordinator (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.
  • A valid MasterCard or Visa must be kept on file when the Tuition Payment Plan arrangements are made with the Adult Education Office.
  • Polaris Career Center offers, at no additional cost, an automatic payment option for payments to be applied on the student’s MasterCard or VISA on payment due dates.
  • Monthly payments are due the first of each month beginning with the month the program begins, except for the following:
    Nursing Assistant STNA – 2nd payment is due 1 week after class begins
  • The number of payments may be adjusted to start on the date of registration- allowing more payments but resulting in lower monthly payments.

Programs Eligible for Financial Aid

  • Cosmetology Academy
  • Dental Assisting
  • Early Child Care Education/Child Development Associate
  • Graphic & Web Design Certification
  • 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

Net Price Calculator

Click here to access the Net Price Calculator.

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 Training Programs except Nurse Assistant:
    Berea                 Fairview Park             Olmsted Falls
    Brook Park         Middleburg Heights     Olmsted Township
    Brooklyn            North Olmsted            Strongsville
  • Polaris GED graduates are given a $100 tuition discount on any of the Job Training Programs except Nurse Assistant.

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 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 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 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 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

1098-T forms will be provided to students enrolled in 600-hour or longer programs.