Page 1
Page 2
Page 3
Page 4
Page 5
Page 6
Page 7
Page 8
Page 9
Page 10
Page 11
Page 12
Page 13
Page 14
Page 15
Page 16
Page 17
Page 18
Page 19
Page 20
5JOBPLACEMENTRATESx13OVERALLPROGRAMSACCSCANNUALGEREPORTJULY2009NewKensington93Monroeville88NorthHills89Formoredetailedinformationoraprogram-by-programbreakdownpleaseseeyourcampusDirector.HOWFINANCIALAIDWORKSIfyouapplytoCareerTrainingAcademywellinadvancetherearemanyadvantages.Theearlieryoubeginthefinancialaidprocessthemoreopportunitiesyouwillhavetoexplorefinancialaidprograms.Scholarshipsearchesandearlyapplicationforcampus-basedaidarejustafewofthethingsthatourFinancialAidDepartmentwillhelpyoutodo.AsearlyaspossibleourFinancialAidDepartmentwillscheduleyouforanindividualplanningsession.Basedonallavailableinformationwewillassistyouindevelopingafinancialpackagethatmeetsyourneeds.Ourfirststepistoestimateyourpotentialgrantawards.Grantsarefinancialaidawardsthatdonotrequirerepayment.Onceyourgrantawardsareestimatedpossiblescholarshipsandfamilycontributionsareexplored.Thenstudentloansareconsidered.Thereareavarietyoffactorsthataffecttheamountofaidthatyoumayreceive.Thingssuchasfamilyincomeassetsagestateofdomicileandapplicationdatesgointothecalculation.Thebestwaytoensurethatyouareconsideredforallresourcesistoapplyearlyrespondtorequestsforinformationandlearnasmuchasyoucanaboutallpotentialsourcesoffinding.WhileourFinancialAidOfficeisknowledgeableandwillassistyouinapplyingformanysourcesofaidtheremaybeotherresourcesthatyoucanuncoveronyourown.Additionallymanystudentsarehesitanttoborrowyoushouldnx19tbeastheFederalGovernmentcreatedthestudentloanprogramssothateveryoneinterestedinfurtheringtheireducationwouldhaveaccess.Theprogramsaredesignedtobeasbeneficialaspossibletothestudentandthestudentx19sfamily.AllFederalStudentLoanscontaindefermentforbearanceandcancellationprovisions.FederalStaffordLoansalsofeaturedelayedrepaymentandlowinterestrates.ForthosewhoqualifyinterestonFederalStaffordLoanscanbesubsidizedwhilethestudentisenrolledinschoolatleasthalftimeoronadeferment.Moststudentstodayfinanceatleastapartoftheirpost-secondaryeducation.Howeveryoushouldborrowwisely.Onlyborrowwhatyouneedasbeneficialastheyare-studentloansmustberepaid.BecauseCareerTrainingAcademybelievesthatastudentx19sloanburdenshouldbeassmallaspossiblewepackageonlytheloanamountyouneedtocoveryourdirectinstitutionalcharges.IfyouneedfundsinexcessofyourdirectinstitutionalcostsyoushouldbringthattoyourFinancialAidOfficerx19sattention.Astudentonlypackagesfinancialaidforoneacademicyearatatime.TheCareerTrainingAcademyhasbothoneandtwoacademicyearprograms.Makesureyouunderstandexactlywhatprogramyouareenrollinginhowlongitwilltakeyoutocompletetheprogramandforwhatperiodoftimeyouaremakingfinancialarrangements.IfapplicabletheFinancialAidDepartmentwillscheduleasecondindividualplanningsessionwithyoubeforeyoursecondacademicyearbegins.SincefinancialplansusuallyinvolveacombinationoffundsthatarriveatdifferenttimesourFinancialAidandStudentAccountsDepartmentwillmonitortheprogressofyourfinancialplan.Rememberthatuntilthefundsareactuallyreceivedyourplanisonlyestimated.Whilemostestimatesareaccuratesometimestherearedeviations.Eventhoughwemonitortheprogressofyourplanandwillalertyouofchangeswedetectyouareultimatelyresponsibleforyourplan.Pleasetakethetimetounderstandyourpackageandcheckuponthearrivalofaid.YouneedtobefinanciallyclearedtobeginclasseseachtermandallchargesmustbepaidbeforeyouareclearedforExternshipandorgraduation.Financialclearancemeansthatyoumusthaveeitherpaidforyourcurrentacademicyearx19seducationinfullorhaveafinancialaidplaninplacethatwillcoverallcurrentyearcharges.Iffurtherinformationdocumentsareneededtoactualizeyourplanyouwillnotbefinanciallycleared.WHATFINANCIALAIDPROGRAMSAREAVAILABLEATCAREERTRAININGACADEMYCAREERTRAININGACADEMYparticipatesinanumberoffinancialaidprograms.Theseprogramsincludegrantsloansscholarshipsandspecializedfunding.Fundsoriginatefromthefederalgovernmentvariousstategovernmentslocalgovernmentstheinstitutionandothersources.StudentsatourinstitutionhavereceivedfundingfrommanyprogramsthemostcommonarelistedbelowDefinitionofanAcademicyearAfullacademicyearconsistsofatleast36-quartercreditsand30weeksofinstruction.FederalProgramsFederalPellGrant-NoRepaymentRequiredFederalSupplementalEducationalOpportunity-NoRepaymentRequiredFederalPlusLoan-RepaymentRequiredVeteransBenefits-NoRepaymentRequiredFederalWorkStudy-NoRepaymentRequiredFederalDirectStaffordLoanRepaymentRequiredStateProgramsPHEAAStateGrantPA-NoRepaymentRequiredTradeAssistanceActBenefits-TAANoRepaymentRequiredOfficeofVocationalRehabilitation-OVRNoRepaymentRequired