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What types of aid are available at
ATOM?
Veteran’s Benefits – ATOM programs are approved for the
training of Veterans and eligible individuals under U.S. Code Title 38. Any
honorably discharged veteran of the US armed forces is eligible to receive
educational benefits by submitting an application from the Veteran's
Representative (Financial Aid Officer) located in the Financial Aid Office. Rules
and regulations associated with this type of educational benefit are also
available for students' review. Apply at www.va.gov or Toll Free number:
(888) 442-4551.
Federal Subsidized Direct Stafford
Loans are awarded
based on demonstrated financial need. Demonstrated student need is determined
by subtracting the expected family contribution (EFC) from the anticipated cost
of attendance (COA) budget. This is determined by the Financial Aid Office for
the student’s program of enrollment. Students who qualify for this loan will
have the federal government pay the interest while the student is in school and
during the grace period of six months after the student has completed the
program or withdraws; as well as during the deferment period.
Federal Unsubsidized Direct Stafford
Loans are awarded to
all eligible students regardless of financial need. Maximum Unsubsidized Loan
amounts are determined by subtracting all financial aid received from the
estimated COA budget. Students are offered the option of paying the interest
while they are in school or they may allow it to accumulate while in school and
during the grace and deferment periods.
Federal Direct Graduate PLUS Loan is a fixed rate loan that can be used
to help cover the costs of attending college for graduate students. You must be
either a U.S. citizen or permanent resident. A credit check is required;
however, income or assets and credit scores are not considered as part of the
eligibility criteria. Before applying for a Graduate PLUS Loan, a graduate or
professional student must also apply for and the school must determine the
student’s eligibility for the maximum annual Federal Subsidized Loan and/or
Federal Direct Unsubsidized Loan amounts that he or she is eligible to receive.
However, a graduate or professional student is not required to receive Federal
Subsidized Loan and/or Federal Unsubsidized Loan funds as a condition for
receiving a Federal Graduate PLUS Loan.
The U.S. Department of Education
became the sole lender for the federal education loans as of July 1, 2012. ATOM
now awards and processes all Stafford and Plus loans through the Direct Lending
Program. Annual Loan Limits
| Undergraduate
| Graduate
| Interest Rate
| Subsidized Direct
| $5,500
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| 3.4% 6 months after graduation
| Unsubsidized Direct
| $7,000
| $20,500
| 6.8% accrues immediately upon disbursement
| Direct Graduate PLUS
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| $23,048
| 7.9% accrues immediately upon disbursement
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Who can apply for Financial Aid?
To be
considered for financial aid, you must meet all the following requirements:
- Be a U.S.
citizen or eligible non-citizen
- Be
registered with Selective Service (if required)
- Have a
financial aid need, (not required for some loans)
- Have a
high school diploma or GED
- Cannot be
in default on any educational loan
- Do not owe
a refund on a federal grant
- Making
satisfactory academic progress
How is financial aid determined?
Financial
aid is based on demonstrated financial need. This is determined by taking the
Cost of Attendance (COA) at ATOM and subtracting the Expected Family
Contribution (EFC). The EFC is generated by the information reported on the
Free Application for Federal Student Aid (FAFSA) and is verified by a federal
income tax return and/or agencies providing non-taxable income.
Financial Aid Websites:
www.fafsa.ed.gov www.studentloans.gov
www.pin.ed.gov www.va.gov www.nslds.ed.gov
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Welcome to ##POPUP-INSTNM##'s Net Price Calculator!
##POPUP-MESSAGE##
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Step 1: Please provide the requested information. Your responses will be used to
calculate an estimated amount that students like you paid - after grant aid and scholarships but before
student loans - to attend this institution in a given year.
Step : Please provide the following information and then click Continue.
Step : For the purposes of this calculator, an independent student is
one who is at least 24 years old, married, and/or has legal dependents other than a spouse (e.g., children).
A student who does not meet any of the above criteria is considered dependent.
Based on the information you provided in previous steps, your
dependency status is estimated to be Dependent. Please provide the following information and then click Continue.
Step : For the purposes of this calculator, an independent student is
one who is at least 24 years old, married, and/or has legal dependents other than a spouse (e.g., children).
A student who does not meet any of the above criteria is considered dependent.
Based on the information you provided in previous steps, your
dependency status is estimated to be Independent. Please provide the following information and then click Continue.
Review the information you have provided. You can click Modify to return to Step 1 and edit this information,
or if you are happy with the current selections, click Continue to receive your estimated net price.
Based on the information you have provided, the following calculations represent the average net price of attendance that students similar to you paid in the given year:
Based on the information you have provided, the following calculations represent the average net price of attendance that students similar to you paid in the given year. This information applies only to the ##LARGESTPROGRAM## program at the institution, which typically takes an average of ##NUMBEROFMONTHS## months for a full-time student to complete. Prices may vary depending on the program of interest and its expected duration.
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Please read.
This calculator is intended to provide estimated net price information (defined as estimated cost (price) of attendance — including tuition and required fees, books and supplies, room and board (meals), and other related expenses — minus estimated grant and scholarship aid) to current and prospective students and their families based on what similar students paid in a previous year.
By clicking below, I acknowledge that the estimate provided using this calculator does not represent
a final determination, or actual award, of financial assistance, or a final net price; it is an
estimate based on price of attendance and financial aid provided to students in a previous year.
Price of attendance and financial aid availability change year to year. The estimates shall
not be binding on the Secretary of Education, the institution of higher education, or the State.
Students must complete the Free Application for Federal Student Aid (FAFSA) in order to be eligible for,
and receive, an actual financial aid award that includes Federal grant, loan, or work-study assistance.
For more information on applying for Federal student aid, go to http://www.fafsa.ed.gov/
Note: Any information that you provide on this site is confidential. The Net Price Calculator does not store your responses or ask for personal identifying information of any kind.
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This institution requires that full-time, first-time students live on-campus or in institutionally controlled housing.
Grants and scholarships do not have to be repaid. Some students also qualify for student loans to assist in paying this net price; however, student loans do have to be repaid.
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Please Note: The estimates above apply to full-time, first-time degree/certificate-seeking undergraduate students only.
These estimates do not represent a final determination, or actual award, of financial assistance or a final net
price; they are only estimates based on price of attendance and financial aid provided to students in 2010-11.
Price of attendance and financial aid availability change year to year. These estimates shall not be binding on
the Secretary of Education, the institution of higher education, or the State.
Not all students receive financial aid. In 2010-11, 0% of our full-time students enrolling
for college for the first time received grant/scholarship aid. Students may also be eligible
for student loans and work-study. Students must complete the Free Application for Federal Student
Aid (FAFSA) in order to determine their eligibility for Federal financial aid that includes
Federal grant, loan, or work-study assistance. For more information on applying for
Federal student aid, go to
http://www.fafsa.ed.gov/.
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| "If you are planning for a year, sow rice; if you are planning for a decade, plant trees; if you are planning for a lifetime, educate people." |
| Wish you happy and prosperous |
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ATOM
100 E. Broward Blvd.,Suite 100
Ft Lauderdale Fl 33301
954-763-9840
atom@atom.edu
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