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Investing in a legal education is an investment in your personal and professional development. Taft Law School makes every effort to make a legal education an achievable goal for all qualified applicants.
- Taft is proud to have aligned with an array of organizations and agencies that may offer you financial aid via a variety of loans and other forms of aid.
- The Taft University System Financial Aid Office personnel will work closely with you to ensure that you receive the benefits available to you.
- The great majority of our students qualify for some type of financial aid.
- Many students will also qualify for Federal Income Tax Credits and Deductions which would reduce the net cost of tuition and fees.
Federally Insured Student Loans (Federal Student Aid)
Most students enrolled in the Juris Doctor Telecommunications Programs will qualify for low interest loans in amounts sufficient to cover 100% of tuition, fees, books and related costs. These loans may either be subsidized (where the government pays the interest charges during the term of enrollment) or unsubsidized (where interest is accrued during the term of enrollment and eventually paid by the student).
Independent Study students (J.D. or LL.M.) are not eligible for Federally Insured Student Loans but may qualify for private loans, military or employer tuition assistance, and/or Taft University System grants.
Federal Student Loans have distinct advantages over traditional consumer loans:
Basic Eligibility Requirements for Federally Insured Student Loans
- Repayment of loans may be deferred until six months after students have graduated or otherwise left school;
- The credit history of the borrower is not a factor in the loan approval. A low FICO score, a bankruptcy, or a foreclosure will not disqualify a student from obtaining a federal student loan; and
- Interest rates are historically much lower than those of conventional lenders. In 2008-09, for most Taft Law School students who qualify, the in-repayment interest rate on the federal loans available is 6.8%.
To be eligible for Federal Insured Students Loans during your enrollment at Taft Law School, you must:
How to Apply for Federally Insured Student Loans
- Be approved for admission to Taft Law School’s Juris Doctor-Attorney TrackSM (Telecommunications Courses) Program or Taft’s Juris Doctor-Executive TrackSM (Telecommunications Courses) Program;
- Be a U.S. citizen or an eligible non-citizen;
- Have a high school diploma or GED;
- Have a Social Security number;
- Remain in good academic standing by meeting Satisfactory Academic Progress standards, as detailed in Taft Law School’s Student Handbook;
- Demonstrate financial need (This requirement does not apply to unsubsidized loans.);
- Not have borrowed more than the aggregate loan limits under Title IV programs at any institution;
- Certify that you are not in default on a federal student loan or owe money on a federal student grant;
- Certify that you will use federal student aid for educational purposes only; and
- If you are a male, comply with Selective Service registration requirements.
To apply for Federally Insured Student Loans through Taft Law School, you should carefully follow the four steps set forth below:
Step 1. Complete and submit an Application for Admission to either the Juris Doctor-Attorney TrackSM (Telecommunications Courses) Program or the Juris Doctor-Executive Track SM (Telecommunications Courses) Program. These are the only two Taft Law School programs which have been approved for Federal Student Aid. There are no exceptions to this requirement.
There is no application fee for either of these programs.
Step 2. To apply for Federal Student Aid, you must complete the Free Application for Federal Student Aid (FAFSA) Online. The application must be completed with extreme care and accuracy. In order to permit our Financial Aid Office to receive your FAFSA information, it is important that you enter the School Code for The Taft University System. This code is G41004.
There is no fee associated with the submission of the FAFSA form. (Note that the website www.fafsa.com is not a government site. There is no need to pay a fee to any private organization in connection with the completion or submission of the FAFSA.)
Step 3. After your Application for Admission has been reviewed and approved, your Enrollment Instructions have been received, and information on your FAFSA information has been received by our Financial Aid Office from the Department of Education, you will be contacted by our Financial Aid Director. (Normally via e-mail.) The Department of Education may or may not require us to obtain additional information.
Step three normally takes between five and ten business days. It is important that you promptly respond to this e-mail.
Step 4. Request copies of official transcripts for all college degrees and units completed. (Transcript Request Form)
It’s just that simple. It is recommended that you begin this process not less than 45 days before your preferred start date.
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Title IV Frequently Asked Questions
- Q. What Programs are eligible for me to apply for Federal Student Aid?
A. Please be advised that only students enrolled in the Juris Doctor Telecommunications Programs will be eligible for receiving Title IV funds. If after reviewing the information that is posted on our website [link], you believe that you are a good candidate for this program, you may list us on your Free Application for Federal Student Aid (FAFSA) form.
Independent Study students (J.D. or LL.M.) are not eligible for Federally Insured Student Loans but may qualify for military or employer tuition assistance, and/or Taft University System grants.
- Q. Where can I find more information regarding Taft and the Federal Student Aid that is available at Taft?
A. Taft Law School participates with Federal Direct Stafford Loans where the lender is the Department of Education. The loans that students will receive will be either subsidized (the government pays for the interest while you are in school) and/or unsubsidized (the borrower is responsible for all interest accrued in and out of school). Interest for both is 6.8% fixed.
Please review the Consumer Information Guide which is posted on our website [link]. The cost of attendance and the timing of the two equal disbursements are outlined on page 18. Loan limits can be found on page 8. Information on Entrance and Exit Counseling are on pages 10 to 12.
For more information please review the information on the Direct Stafford Loans website.
- Q. What is the cost of attendance for the JD Program at Taft?
A. There are many factors that are required to determine what amount of Federal Student Aid for which an individual may be eligible. The School's cost of attendance includes tuition and fees (held by the School), books, and minimal Internet fees (sent to student). The School recommends that students only request Federal Student Aid to cover the cost of attendance. When your name is given to our 3rd Party Servicer, Educational Compliance Management (ECM) will be able to discuss your options, calculate your specific need and award you what is allowed under the Department of Education guidelines.
- Q. Who is Educational Compliance Management (ECM)?
A. Taft Law School has signed a contract with a third-party servicer, Educational Compliance Management (ECM), who will be assisting our applicants and students with processing their Federal Student Aid Loans. Once your name has been given to ECM, you will receive an e-mail from Taft with their contact information so that a telephone appointment may be scheduled for you to speak with ECM. ECM will assist you with determining your eligibility, entrance counseling, signing a master promissory note and the preparation of an award package.
- Q. Where can I apply for Federal Student Aid to cover my tuition and fees at Taft?
A. For your convenience the link to the FAFSA website is http://www.fafsa.ed.gov/ and our School Code is G41004. You will need to complete and submit a current FAFSA form to the Department of Education. The Federal Award Year is from July 1st through June 30th. Select the appropriate FAFSA for the start date that is chosen.
Once you have done this, your FAFSA information will be sent to the School's mailbox. This takes 2 to 3 days. The School will need this information to begin your Federal Student Aid process.
- Q. When would I get my Federal Student Aid money to cover my tuition and fees at Taft?
A. If approved, your Federal Direct loan for your first award year will be paid in two equal disbursements.
The first disbursement to you will be made approximately 38 days after the start of instruction. (Excess proceeds checks are sent via US mail to the students’ address of record.) The second disbursement will be made about six months after the first disbursement. However, pursuant to federal regulations, to qualify for these disbursements you must meet the requirements for each. That means to qualify the first disbursement, you must complete 30 days of enrollment, submit all of your official transcripts, and pass the Introduction to Law course. Failure to satisfy any of these requirements will prevent us from drawing down any loan funds on your behalf. There is no exception to this requirement.
To qualify for the second disbursement, you must complete 26 weeks of study and the School has determined that you have met the requirements for this disbursement, which includes taking all midterms as scheduled for each course which goes into the 29th week.
- Q. Will I get reimbursed for my books and will I have to get all of them before I begin?
A. Taft will provide, at no additional cost, the books for Introduction to Law only. (Introduction to Law covers the first two weeks of instruction.) Your loan will not be funded prior to the time you will need books for your Legal Writing (week 3), Torts (weeks 4 and 5) and Criminal Law (week 6) courses. The Contracts course will be during week eight. We strongly recommend that you purchase all of your books by the first day of the start. However, if you could just purchase the Case Book and Gilberts book for Legal Writing, Torts, and Criminal Law, you should be able to complete the first assignment in these courses. At that point, your first disbursement should arrive.
You must have the financial resources to purchase your books before your loan funds. If you don't purchase books by the first week of instruction, you run the risk of falling dangerously behind. (Most vendors, including Legal Books Distributors, will accept credit cards.)
The approximate cost of new books for year one is $1,000. Used books are often available online via Amazon or Barnes and Noble, or at local law bookstores. Booklists are e-mailed to the student upon receipt of Enrollment Instructions, when enrollment documents are sent and again when course materials are sent, along with detailed instructions for purchasing.
- Q. When do you need my transcripts?
A. If you have not already done so, please request copies of your official transcripts and have them mailed directly to the School. Please refer to Step 4 regarding requesting copies of official transcripts for all college degrees and units completed as posted on our website. [link]
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Military Tuition Assistance
The Taft University System participates in the Defense Activity for Non-Traditional Education Support (DANTES), which offers tuition assistance to those who serve in the military. In certain situations, spouses of military personnel may also be eligible for education assistance benefits. The DANTES Tuition Assistance Management Program (TAMP) processes the tuition reimbursement for active duty Army, Active Guard and Reserves (AGR), Air National Guard, and Air Force Reserve Command (AFRC) personnel upon successful completion of courses.
Tuition assistance policy questions must be directed to the respective branch of Service. Information regarding tuition assistance (TA) for each branch of service can be found on the DANTES Website. DANTES requires specific procedures to be followed. The first step is to contact the military educational counselor to discuss the program options and the TA approval process. Please contact the Financial Aid Office with any questions your counselor cannot answer.
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Employer Tuition Assistance
Many organizations sponsor employer-assisted tuition assistance programs. Taft Law School will provide all reasonable documentation to students seeking employer tuition assistance.
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The Taft University System Grants
In the Juris Doctor Programs, special grants-in-aid are available to outstanding prospects such as graduate degree holders and certain members of professional groups such as CPA’s and law enforcement personnel. These grants are generally equal to 10% of the tuition.
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