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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 received while attending Taft 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. These rates are set by the United States Congress. Please review the information posted on the United States Department of Educationís website to see the current rates.
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 Schoolís Juris Doctor-Attorney TrackSM (Telecommunications Courses) Program or Taftís 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 Schoolís 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. Submitting a FAFSA through the Department of Educationís website, www.FAFSA.ed.gov is free.
There is no fee associated with the submission of the FAFSA form. (Note that the website www.fafsa.com is not a government site. Do not complete your FAFSA through this website. 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)
Itís 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 may 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). Please review the information posted on the United States Department of Educationís website to see the current rates.
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 pages 19 and 20. Loan limits can be found on page 8. Information on Entrance and Exit Counseling are on pages 10 to 12.
After July 1, 2012, the Department of Education no longer offers the Federal Direct Subsidized Loans for graduate level students going into a graduate level program. However Federal Direct Unsubsidized Loans will still be offered.
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 it is time to package your Federal Student Aid Loan Award, our Financial Aid Office will contact you to discuss your options, calculate your specific need and award you what is allowed under the Department of Education guidelines.
The amounts students can borrow will depend on his or her grade level, determined at the time application for admission is submitted, and his or her dependency status. The following table indicates Stafford Loan funding limits based on studentís status of dependent undergraduate, independent undergraduate, or a graduate student. A student whose parent cannot obtain a PLUS loan is allowed to borrow additional unsubsidized Stafford amounts. Studentís dependency status will be determined based on his or her answers to questions on the FAFSA.
- Q. What other steps are required to complete the packaging of my Federal Student Aid?
A. After your application for admission to Taft has been approved and your Enrollment Instructions have been received, you will receive an e-mail from the Financial Aid Office with regards to the next steps, along with a PowerPoint with detailed instructions. We will assist you with determining your eligibility, entrance counseling, signing a master promissory note and the preparation of a packaged award.
- 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 processed and mailed approximately 38 days after the start of instruction. (Excess proceeds checks are sent via US mail to the studentsí 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, the School will need to be able to determine that you have met the requirements for this disbursement, which includes completing 26 weeks of study, taking all midterms as scheduled for each course that has a midterm and complete half of the assignments for courses that do not have a midterm. Midterms and course assignments may go through 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, as part of the tuition, the books for Introduction to Law. (Introduction to Law covers the first two weeks of the academic year.) Your loan will not be funded prior to the time you will need books for your Legal Writing, Torts and Criminal Law courses and perhaps the Contracts course. Although most students buy all of their books at the start of the year, you do not have to do this. You will need your course materials when each course starts. You will therefore need your Legal Writing materials by week 3, your Torts materials by week 4, your Criminal Law materials by week 6 and your Contracts materials by week 7. Please plan to start buying your books now.
The approximate cost of new books is $1,350. Used books are often available online via Amazon or Barnes and Noble, BarristerBooks.com, Half.com 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 tuition assistance (TA) for those who serve in active military. Our programs and courses offered are listed on the Defense Activity for Non-Traditional Education Support (DANTES) website. In certain situations, spouses of military personnel may also be eligible for education assistance benefits.
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. 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 CPAís and law enforcement personnel. These grants are generally equal to 10% of the tuition.
Many businesses and professional firms recognize the value of nationally accredited distance learning programs for employee education. Over the past three decades, The Taft University System and Taft Law School have been pleased to contribute to the professional education of thousands of individuals employed by numerous organizations. With the goal of increasing co-operation between The Taft University System and the domestic and international business communities, the Partners in Professional EducationSM (PIPESM) Program was established to provide graduate level educational opportunities to qualified employees of participating organizations. Employees of participating organizations are eligible for tuition grants on all Taft Law School degree programs.
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Frequently Asked Questions on the PIPE Program