Cost of Attendance is as follows: Tuition $9,525.00 Registration Fee $100.00 Books/Supplies/Kit $995.00 Total $10,620.00

Cosmetology Course (1500 hours) • Full-time attendance is 30 hours per week. It should take the student approximately 10-12 months to complete the course. • Part-time attendance is 15 hours per week. It should take the student approximately 18 months to complete the course.

Cost of Attendance is as follows: Tuition $5,370.00 Registration Fee $100.00 Books/Supplies/Kit $695.00 Total $6,165.00

Nail Technology Course (600 hours) • Full-time attendance is 30 hours per week. It should take the student approximately 6 months to complete the course. • Part-time attendance is 15 hours per week. It should take the student approximately 12 months to complete the course.

Cost of Attendance is as follows: Tuition $6,713.00 Registration Fee $100.00 Books/Supplies/Kit $250.00 Total $7,063.00

Instructor Trainee Course (750 hours) • Full-time attendance is 30 hours per week. It should take the student approximately 12 months to complete the course. • Part-time attendance is 15 hours per week. It should take the student approximately 24 months to complete the course.

If the student does not finish any course within this contracted time, a fee of $5 per hour will be charged to the student.

Admission Requirements	All students under consideration for admission to the College must be either a high school graduate or have an equivalent thereof (GED) and be beyond the age of compulsory school attendance (16 years of age).
Nondiscrimination	Dalton Beauty College, in its admission, instruction, and graduation policies, does not discriminate on the basis of race, sex, religion, handicap, creed, color, national origin, ethnic origin, age, marital status and military status.

State Examination Requirements After completion of the course, students are entitled to take the state examination given by the State Board of Cosmetology. Each student must take a certified copy of their High School Diploma, GED, or equivalency and a copy of their driver's license or birth certificate. The board does not make copies of these items for you so each graduate is asked to be prepared. In order to become licensed to practice your profession you must pass the state board examinations applicable to your course of study.
Graduation Requirements & Diploma Upon satisfactory completion of the designated number of course clock hours, curriculum requirements, and meeting all financial obligations to the College, the student has earned the right to receive a diploma in their prescribed course of instruction. All students must achieve an average grade of at least 70% during their course to receive a diploma from Middle Tennessee School of Cosmetology.
Cosmetology Course	1500 Hours
Manicuring Course	600 Hours
Instructor Training	1500 Hours

Financial Aid In addition to costs for your tuition and fees, financial aid programs also estimate how much it costs to live under various circumstances (i.e., depending upon whether you live with your parents, or in a separate location). Financial aid programs offer a way to bridge the gap between what the student and family can provide and what it will cost to attend this school. To estimate the total expenses at this school, we have prepared the following chart based upon the Bureau of Labor Statistics research on a modest, but adequate standard of living under various conditions. The cost of tuition, fees, books, supplies and equipment for the program in which you intend to enroll must be added to these figures. Estimates of Weekly Living Expenses * Expenses: Students Living w/Parents: Single Students Not Living w/Parents: Students w/Dependents: Room and Board $82.00 $162.00 $162.00 Personal Expenses $51.00 $51.00 $51.00 Transportation (5 Days/Week) $55.00 $55.00 $55.00 * If you have any unusual costs such as expenses for a disabled relative, we can also adjust your budget for these circumstances. This, however, will require detailed documentation

Types of Financial Assistance: Federal Pell Grant: Federal Pell Grants are awards to help undergraduate students pay for their education. These grants provide a “foundation” of financial aid, to which aid from other federal and non-federal sources may be added. Unlike loans, grants do not have to be paid back. The Department of Education uses a standard formula, revised and approved every year by Congress, to evaluate the information you report when you apply for a Pell Grant. The formula produces an Expected Family Contribution (EFC). Your Student Aid Report (SAR) contains this number and will tell you whether you are eligible for a Federal Pell Grant. The awards range up to $4,050 for 2005-2006. The size of award you receive will depend on your EFC number, how long you will be enrolled during the academic year, and the cost of education at your school. Student Loans: Many students rely on federal government loans to finance their educations. These loans have low interest rates and do not require credit checks or collateral. Student loans also provide a variety of deferment options and extended repayment terms. The federal loan for students is called the Stafford Loan and has two variations: • Federal Family Education Loan Program (FFELP) loans are provided by private lenders, such as banks, credit unions and savings & loan associations. These loans are guaranteed against default by the federal government. • Federal Direct Student Loan Program (FDSLP) loans, administered by “Direct Lending Schools”, are provided by the US government directly to students and their parents. Our institution currently participates in the FFELP loan program for student and parental loans. All Stafford Loans are either subsidized (the government pays the interest while you're in school) or unsubsidized (you pay all the interest, although you can have the payments deferred until after graduation). To receive a subsidized Stafford Loan, you must be able to demonstrate financial need. With the unsubsidized Stafford loan, you can defer the payments until after graduation by capitalizing the interest. This adds the interest payments to the loan balance, increasing the size and cost of the loan. All students who are eligible for Title IV assistance, regardless of need, are eligible for the unsubsidized Stafford Loan. Stafford Loans allow dependent undergraduates to borrow up to $2,625 for the first academic year. Independent students and dependent students whose parents have been turned down for a PLUS loan can borrow up to an additional $4,000 for a full academic year. Parents of dependent students can take out loans to supplement their children's aid packages. The federal Parent Loan for Undergraduate Students (PLUS) allows parents to borrow money to cover any costs not already covered by the student's financial aid package, up to the full cost of attendance. Like the Stafford Loan, PLUS loans are either FFELP (provided by private lenders, such as banks) or Direct (funds provided by the government). Parents seeking a PLUS Loan must pass a credit check to become eligible. PLUS loans are the financial responsibility of the parents, not the student. If the student agrees to make payments on the PLUS loan, but fails to make the payments on time, the parents will be held responsible. How to Apply For Financial Aid: All students who wish to apply for financial aid must complete the Free Application for Federal Student Aid (FAFSA). Students and parents of dependent students who wish to complete this application on their own may do so, but free assistance from a financial aid officer is available for prospects and current students during normal business hours. The length of the program for which you are enrolled will determine under which award year you will apply. The award year covers the period from July 1 through June 30. If your course extends beyond June 30, your award eligibility will be calculated for the portion of the program to be completed through June 30. In order to receive the remainder of your award, you must file a Free Application for Federal Student Aid for the next award year when the applications become available. To correctly fill out the application, you will need certain records. The most important record is your base year (usually the prior year) tax return. You will need your tax return, your parents’ tax return (if you are dependent), and your spouse’s tax return (if you are married). You may also need copies of your W-2’s, mortgage information, social security benefit statements and other agency benefit records. To find out specifically which records you need to fill out the application accurately, ask a financial aid representative. Students are encouraged to apply as soon as possible. You may have to confirm or correct the information reported and return it to be reprocessed. This could cause a delay in the awarding process. You may also have to verify some of the information you reported on the application. Since your application is processed electronically, the school will receive an Institutional Student Information Report (ISIR) within a short time after the Central Processing Center receives your application. The information given on this report will be used to determine your eligibility for Federal Student Aid (FSA). In addition to completing a FAFSA, you may be required to fill out additional forms during your initial interview with the financial aid administrator. These forms gather personal information and are to remain in your file at the school. For any questions involving financial aid and how to apply, contact the school director. General Student Eligibility Requirements: • Student must have a valid social security number. • Student must be a U.S. citizen or eligible non-citizen. • Student must be a regular student enrolled or accepted for enrollment in an eligible program for the purpose of obtaining a degree or certificate. • Student must meet the academic qualifications for study at the postsecondary level. (Student has high school diploma, GED, or home school certificate-if approved under or accepted from state regulation.) • Student must be beyond the age of compulsory school attendance. • Student has not been convicted of a drug-related offense that affects eligibility for FSA. • Student (if male) must be registered with Selective Service. • Student must not be enrolled solely in a remedial program. • Student must maintain satisfactory academic progress. • Student must not be in default and must not owe an overpayment on a Title IV loan or grant. • Student must not have borrowed in excess of loan limits. • If enrolled in a correspondence course, that course must be part of an eligible program. • Student must have financial need. • Verification must have been completed, if required. • Is not enrolled in elementary or secondary school. • Is not incarcerated (loans) nor incarcerated in a Federal or state penal institution (all programs). How Aid is Determined To determine the amount of aid you will receive, the amount of money that your family can be expected to contribute towards education needs to be estimated. It is necessary to request confidential financial facts about your family’s income and assets, the size of your family, the number of persons attending postsecondary education, and any unusual circumstances or expenses in order to estimate this amount of family contribution. This “needs analysis” is conducted through the completion of the FAFSA. From this objective analysis, a parental contribution is calculated. Students are also expected to contribute from their savings and earnings. The combination of what parents can contribute and what the student can contribute is called the expected family contribution (EFC). School officials do NOT play a role in making a student eligible for federal funds. Eligibility is determined in accordance with information provided by student and or parents if student is dependent. The EFC does not represent the amount of money you will need to pay the school. It determines the aid programs and amount of aids for which a student is eligible. The goal of financial aid programs is to bridge the gap between the amount you and your family are reasonably able to contribute and your educational expenses. It is very important to realize that aid is available to make education accessible, not to make it free of cost to you or your family. You do not have to be from a low-income family to qualify for financial aid, but you do have to have “financial need.” Your “need” is the difference between what it costs to attend a particular school and what you and your family can contribute. Here’s how it works: COST OF GOING TO SCHOOL (Tuition, fees, books, supplies, equipment, room and board, personal expenses, travel, and miscellaneous expenses) (-) YOUR EXPECTED FAMILY CONTRIBUTION (The amount that you and your parents should be able to contribute) (=) YOUR FINANCIAL NEED It is important to note that your aid is determined by the concrete values listed above. The aid offered at this institution is not calculated by any other means. You are not in competition with any other student for funds. Your financial situation determines your financial assistance. Continued Eligibility Once you have qualified for aid, there are still requirements on you as a student that must be met in order for the aid to continue. To maintain satisfactory academic performance, a student must maintain a 70% or above academic average and maintain an attendance schedule that will allow you to graduate within 150% of the time period for each course. If you fail to meet one or both of these requirements, the following actions will be taken: • Probation for 30 days, and if status does not improve: • Final Probation for an additional 30 days, and if status does not improve: • Termination of aid and termination from the educational program If you are determined to be ineligible for Financial Aid because satisfactory progress requirements were not met, you may appeal this decision to the School Director by indicating in writing the reason why the minimum requirements were not met and why Financial Aid should not be terminated. The School Director will review the appeal and determine whether the suspension from Financial Aid is justified. You will be advised in writing of this decision. The decision of the School Director is final. Financial Aid will be immediately re-instated for the student deemed ineligible for Financial Aid based on a negative satisfactory progress if the student prevails during an appeal. The student will be notified in writing of re-instatement of Financial Aid. Disbursement of Financial Aid All Federal financial aid funds will be drawn down in payment periods, which are linked to the student’s progression through his/her course. Four hundred fifty (450) hours represents one payment period for all courses at or above 900 hours in length. For courses greater than 900 hours; if the remaining portion exceeds 450 hours (one pay period), funds will be disbursed in two equal payments, if less than 450 hours (a payment period) it will be disbursed in one payment. For courses under 900 hours, the payment period equals half of the course length. All payments will be drawn on this basis. Payments are ordered through wire transfer and deposited directly into a holding account owned and managed by this institution. From this holding account, disbursements for each individual student are deposited into the institution’s operating account through numbered transfers. Once deposited into the operating account, the student’s ledger card is credited with the proper transfer number and disbursement amount. No student signature is necessary for these funds to be deposited. Return of Title IV Funds You must keep in mind that when you apply for financial aid, you sign a statement that you will use the funds for educational purposes only. Therefore, if you withdraw before completing your program, a portion of the funds you received may have to be returned. The school will calculate the amount of tuition it must return to the Federal funds according to the policies listed below: Withdrawal Policy: The effective date of the termination for refund purposes will be the earliest of the following: 1. The last day of attendance from school’s attendance records, or 2. Date student began the withdrawal process, or 3. Date student provided official notification of intent to withdraw in writing, or 4. Date student did not return at the expiration of an approved leave of absence. 5. Date of withdrawal as determined by the school: a) Student is expelled, b) Student not making satisfactory progress (attendance or academic) A full refund will be made to any student who: 1. Is not accepted by the school; 2. Was enrolled by misrepresentation in advertising, promotional materials of the school, or representations by the owner or representative of the school; or 3. Is enrolled in a course of instruction that is discontinued by the school and prevents the student from completing the course. Refunds will be totally consummated within 30 days after the effective date of termination. Upon a student’s withdrawal, two calculations are formed: 1. The Return of Title IV funds (To determine amounts earned from the Federal programs) and 2. Institutional Refund Policy Return of Title IV Funds Only the Title IV programs are to be included in this calculation. The only Title IV program SBA participates in is the Pell Grant program. The Return of Title IV Funds is NOT a Refund Policy. Instead, the Federal regulations (beginning with October 7, 2000) require the use of a Return to Title IV calculation to determine the amount of Title IV funds a student has earned as of the date he or she ceases attendance. Any student receiving Title IV funds will be subject to these regulations. The amount of Title IV aid earned is based on the amount of time the student spent in academic attendance, and the total aid received; it has no relationship to the student’s incurred institutional charges. Because these requirements deal only with Title IV funds, the order of return of unearned funds do not include funds from sources other than the Title IV programs. Title IV funds are awarded to a student under the assumption that the student will attend school for the entire period for which the aid is awarded. When a student withdraws, the student may no longer be eligible for the full amount of Title IV funds that the student was originally scheduled to receive or may have received. Therefore, the amount of Federal grant earned by the student must be determined. If the amount disbursed to the student is greater than the amount the student earned, unearned funds must be returned. This may result in the student owing the institution more money. Up through the 60% point in each payment period the required Return to Title IV calculation is used to determine the amount of Title IV funds the student has earned at the time of withdrawal. After the 60% point in the payment period, a student has earned 100% of the Title IV funds credited to that payment period. If a student has unearned grant money, a Financial Aid Administrator (FAA) sends a grant overpayment notice to the student within 30 days from the date of the school’s determination that the student withdrew, giving the student 45 days to either: 1. Repay the overpayment in full to the school, 2. Make repayment arrangements satisfactory to the school, or 3. Sign a repayment agreement with the Department of Education. If the student has not repaid the grant overpayment within the 45-day time frame, the FAA will report the overpayment electronically to NSLDS. The student will not be eligible for further Title IV funds until the grant overpayment is paid in full. NOTE: If the initial amount of the overpayment owed by the student is $25.00 or less, the student repayment requirement is forgiven.