The Financial Aid office at JCHS is here to provide financial access for students to attend Jefferson College of Health Sciences. Our objective is to use all financial resources available to help students and their families realize their educational and career goals. It is our commitment to make the financial aid application process easy to understand and easy to obtain for families who are eligible.

Financial Aid is available from state and federal agencies, civic organizations, health agencies, foundations and institutional aid sources. Specific policies and/or laws regulate each program. A financial aid "package" is created for the students based upon their level of eligibility. This package includes aid from various sources (depending on the availability of funds) and will not exceed the amount of the student's direct cost. In most aid packages, the assistance offered covers only a portion of the total cost of education.

You are responsible for completing your aid applications by the published deadline and for asking questions when information is unclear. Each student applying for aid should complete the Free Application for Federal Student Aid (FAFSA). We encourage students and their families to complete this application at the beginning of each year as soon as their Federal Income Tax Return has been filed. The application can be filed electronically at www.fafsa.ed.gov or paper applications are available in the Office of Financial Aid.

Please call our office with any questions that you may have regarding Financial Aid assistance at JCHS.

Sincerely,

Debra Johnson, Director of Financial Aid

• Debra Johnson, B.S.
  Director of Financial Aid
  djohnson@jchs.edu
  (540) 985-8492 
  
  
• Anita Ella
  Financial Aid Assistant
  Loan Specialist
  aella@jchs.edu
  (540) 985-9048 
  
  
• Michelle Brewer, B.S. 
  Financial Aid Representative
  VTAG Specialist
  mybrewer@jchs.edu
  (540) 985-8085 
  
  
• Wendy D. Holmes, B.S. 
  Financial Aid Representative
  wdholmes@jchs.edu
  (540) 985-8426 
  
  
• Victoria Rodriguez 
  Department Secretary
  vlrodriguez@jchs.edu
  (540) 985-8267

The Jefferson College of Health Sciences School Code is 009893.

To complete the application on-line is a 3-step process.

1. Apply for a PIN (Personal Identification Number) at www.pin.ed.gov. You'll need this PIN to electronically sign your FAFSA application.

2. Complete the electronic FAFSA at www.fafsa.ed.gov and review your answers carefully.

3. When you receive the results of your application, the Student Aid Report (SAR), review it for accuracy. Provide any needed information requested by the school as quickly as possible.

The Free Application for Federal Student Aid is your doorway to all forms of Federal Aid. Eligibility for the student loan program, and the Supplemental Grant program are determined using the FAFSA.

Also, the Virginia Tuition Assistance Grant Program application for Virginia residents must be completed to gain access to the Commonwealth of Virginia assistance program.  

Financial Aid at Jefferson College of Health Sciences is awarded based upon financial need and other awarding criteria. Need is determined by the following calculation: 
- Cost of Attendance
- Expected Family Contribution (better known as "EFC")
- Financial Need

The income, assets, and household information you report on the Free Application for Federal Student Aid (FAFSA) is used in a formula developed by the U.S. Congress to determine your eligibility for Federal Student Aid.  Your Expected Family Contribution (EFC) is the amount of resources you should have to contribute toward your education, based on the information from your FAFSA application. 

The Financial Aid staff creates a "financial aid package" based upon the student's eligibility that comes as close as possible to meeting the student's needs, up to direct cost.   

This awarding policy allows the Office of Financial Aid to assist a broad base of students with limited funds.

To receive the balance of an award through Direct Deposit into your checking or savings account, please fill out the Direct Deposit Authorization Form (download form below).

For the Academic Requirements for Continuance of Financial Aid Policy, download below.

The Complete Financial Aid Procedure for Incoming Students 

The following steps apply to Incoming (new) Students who are interested in applying for Federal/State Aid: 

1. Complete a Jefferson College of Health Sciences Admissions Application  (Only admissions applicants are considered for Financial Aid).
   
   
2. Complete the Free Application for Federal Student Aid (FAFSA) using our school code:  009893 (this can be done by going to: www.fafsa.ed.gov)
   
   
3. Complete and Return the Virginia Tuition Assistance Program Application by the priority deadline listed on the application, normally July 31 of each year. 
   
   
4. Provide any requested documents to the Office of Financial Aid as quickly as possible upon request.
   
   
5. Upon receipt of the Award Letter, complete the Entrance Counseling Session and complete and return the Master Promissory Note.
   
   
6. If you are a Veteran, who is eligible for educational benefits, contact the Office of Financial Aid to complete necessary paperwork.
   
   
7. If you receive outside scholarships, notify the Office of Financial Aid as soon as possible.
   
   
8. Attend all required orientations.
   
   
9. Complete the Permission to Release Information form to expedite service. 

The following steps apply to Continuing Students who are interested in applying for Federal/State Aid:

1. Complete the Free Application for Federal Student Aid (FAFSA) using our school code:  009893 (this can be done by going to: www.fafsa.ed.gov). You now have the option of completing the Renewal Application at the same website.

2. Complete and Return the Virginia Tuition Assistance Program Application by the priority deadline listed on the application, normally July 31 of each year.

3. Provide any requested documents to the Office of Financial Aid as quickly as possible upon request.

4. Upon receipt of the Award Letter, complete the Entrance Counseling Session only if you have NOT participated in the Student Loan Program before.  Also complete and return the Master Promissory Note.

5. If you are a Veteran, who is eligible for educational benefits, contact the Office of Financial Aid to complete necessary paperwork.

6. If you receive outside scholarships, notify the Office of Financial Aid as soon as possible.

7. Attend all required orientations.

State:

• Tuition Assistance Grant Program, (VTAG)
• College Scholarship Assistance Program (CSAP) administered by the State Council of Higher Education for Virginia
• General Assembly Nursing Scholarships administered by Community Health Services, Virginia State Health Department

Federal:

• Federal Pell Grant
• Federal Supplemental Education Opportunity Grant (SEOG)
• Federal Stafford Loan (Subsidized and Unsubsidized)
• Federal Parent Loan for Undergraduate Students (PLUS)
• Federal Work Study (FWS) 
  
  Veterans' Benefits: Most Programs are approved for veterans" training.  Amounts of benefits payable vary with eligibility and enrollment status.   Contact the Office of Financial Aid for details.

Please note: Jefferson College of Health Sciences does not participate in the Perkins Loan Program.

Jefferson offers institutional aid and other scholarships in addition to the many federal, state, and foundation scholarships available to you from many different sources.

• Debra Kimmel McNamara Nursing Scholarship


• Donna Mathews Scholarship


• Health Focus of Southwest Virginia (formerly Lewis Gale Foundation)


• Roanoke Academy of Medicine Auxiliary Scholarship


• Dr. Robert L.A. Keeley Scholarship in Respiratory Care


• Stanley Kamm Memorial Nursing Scholarship


• Theresa Thomas Memorial Scholarship


• S. Lynn Marshall Emergency Loan Fund

Federal Subsidized Stafford - Low-interest loans, must be at least half-time, repayment begins 6 months after graduation, withdrawal or falling below half-time, government pays interest while student is enrolled in school, not based on credit history.  For loan limits see the chart below. Interest will accrue when you enter repayment or a period of forbearance.  

Federal Unsubsidized Stafford - Low-interest loans, must be at least half time, repayment begins 6 months after graduation, withdrawal or falling below half time, and interest is the responsibility of the student, not based on credit history.  For loan limits see the chart below.  You will be charged interest from the day the loan is disbursed until it's paid in full, including in school, grace, and deferment and forbearance periods.  

Federal Plus Loan - Low-interest loans for Parents of dependent students, repayment begins 30-45 days after last payment is released or credited to student account.  The Plus loan is approved or denied based on the parents" credit history. The yearly limit on a PLUS loan is equal to the cost of attendance minus any other financial aid you receive.  If the parent is denied the loan the dependent student is allowed to request additional unsubsidized loan funds.  Interest is charged on the loan from the date the first disbursement is made until the loan is paid in full.  

Stafford Loan Chart of Loan Limits Beginning 2007-2008

Award Year	DEPENDENT	INDEPENDENT
1st Year	Subsidized/Unsubsidized: $3,500.00	Subsidized - $3,500.00/ Unsubsidized - $4,000.00
2nd Year	Subsidized/Unsubsidized: $4,500.00	Subsidized -$4,500.00/ Unsubsidized - $4,000.00
3rd Year	Subsidized/Unsubsidized: $5,500.00	Subsidized -$5,500.00/ Unsubsidized - $5,000.00
4th & 5th Year	Subsidized/Unsubsidized: $5,500.00	Subsidized - $5,500.00/ Unsubsidized - $5,000.00

The following links listed below may be used to electronically complete your Federal Master Promissory Note. If you have previously completed a paper or an electronic Federal Master Promissory Note with JCHS you will not need to complete a new application.

• Complete and Sign Your Student Stafford MPN Here
  https://opennet.salliemae.com/apploansummary/?school_id=00662200&loanprogram=FSL
  
  
• Complete and Sign Your Plus (Parent)/(Graduate) Stafford MPN Here https://opennet.salliemae.com/apploansummary/?school_id=00662200&loanprogram=PLUS 

Alternative loans are funds available to students who are not eligible for financial aid or who may need additional funds to meet educational expenses. The student's eligibility is determined by the cost of attendance minus financial aid. This information is provided as a courtesy and is not intended as an endorsement of any Private Loan Lender.

Click below to find out more about alternative loans.

You may track the status of your loan at SallieMae.com.

All students who have received federal student loans must complete entrance and exit interviews.  Please go to the Student Loan Counseling website for all information on loans.

To go directly to the entrance counseling section of this site, click here.

To go directly to the exit counseling section, click here.

To go directly to the graduate exit counseling section, click here.

The Virginia Tuition Assistance Grant Program application for Virginians must be completed to gain access to the Commonwealth of Virginia assistance program. The VTAG is available to both undergraduate and graduate students. Current amount of VTAG is $3,200 for undergraduate programs and $1,900 for graduate programs.

International students are awarded Institutional Awards based upon Admissions criteria.

These links are great resources of information about federal and state financial aid.

• www.ed.gov
• www.schev.edu
• www.collegeboard.com
• www.finaid.org

For JCHS FAQs about Financial Aid, click here.