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Financial Aid, Scholarships, Discounts Payment Plans & Other Financial Options

Center for Massage & Natural Health is approved by the United States Department of Education to offer Federal Financial Aid to qualifying students, as well as many other financial opportunities, including the GI Bill, Americorps Education Credit, Vocational Rehab and much more.

By taking advantage of all the financial scholarships and discounts that are offered through CFMNH, you may be able to attend our program for much less than other massage schools, or zero if you qualify for Vocational Rehabilitation. The Center for Massage & Natural Health has a number of scholarships and discounts available for students who attend our program.

From Pell Grants to Stafford Loans, we are here to assist you in finding the right financial solution for your tuition needs. Review all your options below. If you have any questions, please contact us and we will be happy to help you.

For Current Gainful Employment information, clck HERE.


Financial AidFEDERAL FINANCIAL AID

Applying for Federal Financial Aid is FREE !   

Begin your application for Financial Aid TODAY! Complete the Free Application for Federal Student Aid (FAFSA). Center for Massage & Natural Health's school code number: 041294. Please see below for detailed instructions.

Available Title IV Federal Financial Aid:

  • Federal Pell Grant Program
  • Federal Supplemental Educational Opportunity Grant Program (FSEOG)
  • Direct Stafford Subsidized Loans
  • Direct Stafford Unsubsidized Loans
  • Direct Parent PLUS Loans

At Center for Massage & Natural Health, we have a state-of-the-art Virtual Financial Aid Office which you will be able to access from the comfort of your home using your own computer, or you are welcome to use ours. A link to our Virtual Financial Aid Office will be provided once we receive your Admissions Application.

At our Virtual Financial Aid Office, you will be taken through every step of the application in an easy-to-understand process. If you have a question during the process, our online Financial Aid Representative will be able to answer any questions you may have within 24-hours via email .If you choose to fill out your financial Aid application while at our school, our Financial Aid Specialist will be able to answer general questions on the spot. With our new Virtual Financial Aid Office, you will receive your Award Notice within 7 days, and usually less, once the financial aid application has been completed.

HOW TO APPLY FOR FEDERAL FINANCIAL AID

The first step is to review our Admissions process and then submit your Admissions Application. Once you have submitted your application, we will take you through the admissions process and financial aid process at the same time. We recommend that you complete our Admissions Application online to save time, but you are always welcome to fill out the application located in the back of our catalog and mail it in.

Once you have submitted your Admissions Application you must meet these general eligibility requirements for federal assistance:

  • Be a U.S. citizen or eligible non-citizen
  • Be registered with the Selective Service System (if applicable)
  • Not be in default on any previous student loan
  • Not owe a repayment on a Federal Pell Grant or Federal S.E.O.G. Grant
  • Not have borrowed in excess of the loan limits under Title IV Programs at any institution
  • Not have been convicted of a drug related crime in the past year

If you meet the above eligibility requirements for Federal assistance, you are ready to begin the Federal Financial Aid application process.

  1. If you have not already done so, please apply for a Federal Student Aid PIN number from the U.S. Department of Education. If you have a federal PIN number but have forgotten it, you can ask to have it sent to you from the PIN web site.
  2. Complete the FREE Application for Federal Student Aid (FAFSA). You will be required to enter Center for Massage & Natural Health's school code number: 041294.
  3. Once you have completed your FAFSA, you are ready to begin at our Virtual Financial Aid Office. Here we will determine what financial aid you qualify for (Pell Grants, Stafford Loans, etc.) and you will be able to complete your financial aid application. You will be taken through a Student Loan Entrance Interview. This process will provide you with essential financial aid counseling and provided you with your Master Promissory Note. All your data is encrypted for security throughout the application process, and your records are maintained electronically in accordance with the U.S. Department of Education. We will provide you with a link to our Virtual Financial Aid Office when we receive your Admissions Application.

NOTE: Students must demonstrate financial need for Pell Grants and subsidized loans, but not unsubsidized loans. To calculate eligibility, the aid office considers the cost of attendance (COA) at Center for Massage & Natural Health, as well as your Estimated Family Contribution (EFC), as determined by the information you provide on the FAFSA.

NET PRICE CALCULATOR

CFMNH provides a Net Price Calculator for you to see what your total cost of attendance would be, including your personal expenses, like estimated room and board, and other personal expenses, including transportation, etc. This calculator is based on our 2012 Academic Year. Click HERE for the Net Price Calculator.

PAY AS YOU EARN REPAYMENT PLAN

The Pay As You Earn Repayment Plan helps keep your monthly student loan payments affordable, and usually has the lowest monthly payment amount of the repayment plans that are based on your income. If you need to make lower monthly payments, this plan may be for you.

As of Dec. 21, 2012, the Pay As You Earn plan is available for eligible borrowers.

To qualify for Pay As You Earn, you must have a partial financial hardship. You have a partial financial hardship if the monthly amount you would be required to pay on your eligible federal student loans under a 10-year Standard Repayment Plan is higher than the monthly amount you would be required to repay under Pay As You Earn. For this purpose, your eligible student loans include all of your William D. Ford Federal Direct Loan (Direct Loan) Program loans that are eligible for Pay As You Earn, as well as certain types of Federal Family Education Loan (FFEL) Program loans. Although your FFEL Program loans cannot be repaid under Pay As You Earn, the following types of FFEL Program loans are counted in determining whether you have a partial financial hardship:

  • Subsidized and Unsubsidized Federal Stafford Loans
  • Federal PLUS Loans made to graduate or professional students
  • Federal Consolidation Loans that did not repay any PLUS loans for parents

You also must be a new borrower as of Oct. 1, 2007, and must have received a disbursement of a Direct Loan on or after Oct. 1, 2011. You are a new borrower if you had no outstanding balance on a Direct Loan or FFEL Program loan as of Oct. 1, 2007, or had no outstanding balance on a Direct Loan or FFEL Program loan when you received a new loan on or after Oct. 1, 2007.

Your payment amount may increase or decrease each year based on your income and family size. Once you’ve initially qualified for Pay As You Earn, you may continue to make payments under the plan even if you no longer have a partial financial hardship.

Find out whether you’re eligible for Pay As You Earn.

QUESTIONS?

For general questions about federal financial aid or for help completing the FAFSA, please visit www.studentaid.ed.gov or call (800) 433-3243.

HELPFUL LINKS

National Student Loan Data System (NSLDS)
This student access site is available for students to view their loan and grant records and obtain balance and loan holder information.

Student Budget Calculator
This site will help you to create a realistic budget while you attend school.

Pay As You Earn Calculator
This Federal Student Aid calculator will help you to determine if you are eligible for this program.

Financial Aid Information Page
Information about all types of aid.

For more information on eligibility, please visit the Department of Education website.

 


student loansPrepayment Discounts

Prepay your tuition and save up to $1,000.00 on your tuition. If you are not applying for Federal Financial Aid, and plan to pay up-front for your tuition, we offer the following Prepayment Discounts:

Prepay at least 90 days before the first day of class: Save $1,000.00
Prepay at least 60 days before the first day of class: Save $500.00
Prepay at least 30 days before the first day of class: Save $250.00

 


American Opportunity Tax CreditAmerican Opportunity Tax Credit up to $2500.00

Update May 31, 2013 — This page has been updated to reflect the fact that the American Opportunity Tax Credit, which was to expire at the end of 2012, was extended through December 2017 by the American Taxpayer Relief Act of 2012.

Under the American Recovery and Reinvestment Act (ARRA), more parents and students will qualify for the American Opportunity Tax Credit to help pay for college expenses.

The American Opportunity Tax Credit modifies the existing Hope Credit. The AOTC makes the Hope Credit available to a broader range of taxpayers, including many with higher incomes and those who owe no tax. It also adds required course materials to the list of qualifying expenses and allows the credit to be claimed for four post-secondary education years instead of two. Many of those eligible will qualify for the maximum annual credit of $2,500 per student.

The full credit is available to individuals whose modified adjusted gross income is $80,000 or less, or $160,000 or less for married couples filing a joint return. The credit is phased out for taxpayers with incomes above these levels. These income limits are higher than under the existing Hope and Lifetime Learning Credits.

The American Taxpayer Relief Act of 2012 extended the AOTC for five years through December 2017

If you still have questions about the American Opportunity Tax Credit, these questions and answers might help.


Tuition ScholarshipsScholarships

CMFMN Academic Scholarships

The Center for Massage & Natural Health knows how hard students work to keep their grades high, and we honor and acknowledge the level of commitment they have shown in achieving their level of excellence in the academic world.

At CFMNH, we award those who have proven themselves to be excellent students by providing Academic Performance Tuition Scholarships of $500.00 to students who have shown outstanding academic performance in the past.

Basis for Selection:

Academic Performance Tuition Scholarships are based on your most recent GPA from High School or Post Secondary education.

  • $500.00 Scholarship for GPA of 3.5 or higher (sealed transcripts from your school are required for validation)

Number of Academic Scholarships to be awarded:

CFMNH awards a maximum of 8 (eight) Academic Performance Tuition Scholarships per class.

Deadline for Application:

As with Admissions Applications, there is no deadline for applying for the Academic Performance Tuition Scholarship.

Scholarship Terms:

Academic Performance Scholarships are awarded in the order students have completed their Admissions Application and are formally accepted and enrolled into our program, including full payment of their required Program Supply Fee. (Please see our complete Admissions Process). Academic scholarship can only be applied towards tuition, and have no cash value. They cannot be applied towards books supplies or other costs. If you are not accepted into our program for any reason, you will not be awarded this scholarship.

 


massage schoolsCFMNH In-House Payment Plan—Interest FREE

For your convenience, we offer a payment plan option for the tuition portion of your education.

  • No Credit Check
  • Administrative Payment Plan Fee of $75 (non-refundable) required to initiate plan.
  • Tuition will be divided into six (6) equal payments plus a nonrefundable $75 administrative fee with each payment.
  • The first payment is due the first day of class.
  • Subsequent payments due every month thereafter for 5 months.
  • Your final payment is made one prior to the end of the program.

This payment plan option only covers the tuition portion of your education.

 


Student LoansStudent Loans

As a helpful guide, we have provided sources for student loans. CFMNH cannot refer nor recommend any specific loan source. Please note that we are not in any affiliated with any of the lenders on this page.

 http://www.privatestudentloans.com/lenders/

 

 

 


GI BillVeterans Benefits and the GI Bill

The Center for Massage & Natural Health’s Massage Therapy Certification Program is approved by the North Carolina State Approving Agency for the enrollment of persons eligible for education assistance benefits from the US Department of Veterans Affairs.

In 1944 President Franklin Roosevelt signed the Servicemen's Readjustment Act, otherwise known as the GI Bill. After World War II, more than two million veterans attended college on the GI Bill, according to estimates.


The current program, now known as the Montgomery GI Bill (MGIB), is the centerpiece of military education benefits. The bottom line for the GI Bill is a generous one: Active duty service members and veterans can receive a monthly benefit that is valued at nearly $40,000. This tax-free benefit can be used for tuition, books, fees, and living expenses while earning a degree or certification (including undergraduate and graduate degrees), or attending trade school.

2009 GI Bill Update: Many post-9/11 veterans and service members will soon begin receiving benefits under a new comprehensive education benefits package that goes well beyond helping to pay for tuition. Many veterans who served after Sept. 11, 2001, will get full tuition and fees, a new monthly housing stipend, and a $1,000 a year stipend for books and supplies. The new bill also gives Guard and Reserve members who have been activated for more than 90 days since Sept. 11, 2001, access to the same GI Bill benefits. Learn more about the New Post-9/11 GI Bill.

Qualifying veterans may be able to have part or all of their tuition paid for by the Veterans Administration. Please click here for more information on Veterans Benefits and the G.I. Bill.

For information on how to apply for VA benefits, please contact our Admission Specialist at (828) 658-0814.

 


Voc RehabVocational Rehabilitation

You may be entitled to a full scholarship, including tuition, books and supplies, through the North Carolina Department of Health and Human Services. To qualify, you must meet the following criteria:

  • You have a physical, mental, learning disability, or emotional impairment that affects your ability to find or maintain employment, and
  • You require VR services to get ready for, find or keep a job

You and your rehabilitation counselor will develop a partnership and explore your options throughout the rehabilitation process.

Visit the North Carolina Department of Health and Human Services Division of Vocational Rehabilitation to find out if you qualify.

Asheville Office
8 Barbetta Dr. Asheville, NC 28806 (828) 670-3377 or Toll Free: 1-877-832-3832

or find your local office HERE.

 


AmericorpsAmeriCorps Education Awards

Center for Massage & Natural Health is approved to accept America Awards.

Each AmeriCorps member who successfully completes a term of AmeriCorps service will receive a Segal AmeriCorps Education Award*. You can use your Segal AmeriCorps Education Award to pay educational expenses at qualified institutions of higher education, for educational training, or to repay qualified student loans. You have up to seven years after your term of service has ended to claim the award.

If you successfully complete a term of service in AmeriCorps VISTA, you are eligible to receive either a Segal AmeriCorps Education Award or an end-of-service stipend.

 


massage schoolOther Financial Options

For your convenience, we accept all major credit cards, cash, checks and money orders.