ACC Financial Aid

Applying for Financial Aid at American Career College can seem daunting at first, but we want you to know that you won’t need to figure it all out on your own. We have full-time staff dedicated to helping you tackle the process of applying for Financial Aid for health care education.

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"The ACC advantage is that they're there to help you; they're not there for your money just because it's a private school. When you go to ACC they make sure that you learn everything and they're there to help you."

Sevana S. Vocational Nursing Graduate
  • Overview
  • Federal Financial Aid Programs
  • State Aid
  • Financial Aid Loans
  • Scholarships
  • Forms
  • Helpful Resources

Investing in your education is investing in your future.

If you are unable to meet educational costs on your own, financial assistance is available to those who qualify. American Career College's Financial Aid Department can show you several tuition financing options, including federal financial aid, and state grants and loans. We'll help you navigate the world of student financial aid, identify the opportunities available to you and apply for financial assistance.

Code of Conduct regarding Lender Relationships and Loans: View our code of conduct.
Financial Aid Resource Publication from the U.S. Department of Education: Funding Education Beyond High School

Federal Financial Aid

ACC participates in several types of Title IV Federal Financial Aid programs, many of which are based on financial need. Students seeking financial assistance must first complete the Free Application for Federal Student Aid (FAFSA) available on January 1st of each calendar year. We recommend that you do so online at FAFSA. You will also need to apply for a FSA ID.

ACC's Financial Aid Officer uses the information on the FAFSA to determine your eligibility for federal aid programs and to assist you in deciding what resources are best suited to your circumstances. Students must meet all eligibility requirements to qualify for Federal Student Aid.

Renewal of financial aid is not automatic. Recipients are required to reapply each year by the announced deadline. The ACC Financial Aid Office will provide the student with an estimated award letter based on the information provided on FAFSA. Additional documentation may be required to support the student's request for financial assistance if the FAFSA is selected for verification or new information is received. Awards are finalized after receipt and review of all requested verification documentation. Final award letters are made available to students on the ACC secured student portal each academic year.

Federal and state grants and loans will be disbursed to student accounts to cover direct educational costs. Disbursements in excess of direct costs will be refunded to the student (or parent, in the case of a parent PLUS loan), or in some cases refunded back to the respective lender. Students may elect to have excess funds retained on their account until the end of the aid year or loan period, at their discretion.

Students who obtain a loan to pay for their education will be responsible for the repayment of the full amount of the loan, plus interest, less the amount of any refund. If a student withdraws, a refund calculation will be completed, and a refund of non-federal aid funds may be provided.

Verification Deadlines: If selected for verification, the ACC Financial Aid Department may request additional documentation to support the student's request for financial assistance, including, for example, official IRS Tax Transcripts, signed verification worksheets, proof of identity, etc. The student must submit all requested information in order to receive the estimated financial aid awards. Students are expected to submit all verification materials within 14 days of the request. Exceptions may be made on a case-by-case basis, but failure to submit verification materials within 45 days of the request may result in the loss of institutional scholarships, campus-based aid and federal loans for that term. Pell grant eligibility will be forfeited if requested verification documents are not received by September 30th of the trailing year of the aid year, or within 120 days of the last day of enrollment, whichever comes first.

Student Loan Counseling

Government guaranteed loans are an important part of financing your educational expenses. American Career College provides you with information and counseling to assist you in managing your loans effectively. Student loan entrance and exit counseling is required of all students.

Financial Aid Eligibility Requirements

Federal Title IV aid programs that the College participates in includes Federal Pell Grants, Federal Supplemental Educational Opportunity Grants (FSEOG), Iraq and Afghanistan Service Grants, Federal Work Study, and the William D. Ford Direct Loan programs (subsidized, unsubsidized and PLUS).

To be eligible for Federal Financial Aid, you must meet these requirements:

  • Demonstrate financial need (for most programs)
  • Be a citizen of the United States or an eligible noncitizen
  • Enroll in an eligible program
  • Have a valid Social Security number
  • Maintain satisfactory academic progress toward graduation
  • Have a high school diploma or have obtained a High School Equivalency (HSE) or the equivalent
  • Not be in default on a financial aid loan nor owe a refund to a financial aid grant received at any postsecondary college or institution
  • Have registered with the U.S. Selective Service, if applicable.

The following is a description of the financial aid programs available at American Career College for students who qualify. Additional information may be obtained from the ACC Financial Aid Office. For information, guidance and tools about federal student assistance, you can also visit the U.S. Department of Education's website on federal student aid.

Federal Pell Grant
The Federal PELL Grant Program provides a foundation of assistance for undergraduates with financial need who have not yet earned a bachelor's or professional degree. Eligibility for the Federal PELL Grant Program is determined by a standard formula that is revised and approved every year by the federal government. Unlike loans, grants do not have to be paid back. A student can receive a Federal Pell Grant for no more than six academic years.

Federal Iraq and Afghanistan Service Grant
The Federal Iraq and Afghanistan Service Grant is offered to students who are not eligible for a Federal Pell Grant on the basis of their Expected Family Contribution as calculated from FAFSA data, but meet the remaining Federal Pell Grant eligibility requirements. In order to qualify, students must have had a parent or guardian in the U.S. armed forces that died as a result of military service performed in Iraq or Afghanistan after the events of 9/11. The student must have been under 24 years old or enrolled in college at least part-time at the time of the parent or guardian's death.

Federal Supplemental Educational Opportunity Grant (FSEOG)
Federal Supplemental Educational Opportunity Grants are available to a limited number of students with exceptional financial need. Grants are based on funds available and do not have to be repaid. Need is determined by the financial resources of the student, parents, and the cost of attendance.

Federal Work-Study Grant (FWS)
The Federal Work-Study program provides jobs for students with financial need, allowing them to earn money to help pay education expenses. The program encourages community service work related to the student's course of study. Funds under this program are limited and do not have to be repaid.

William D. Ford Federal Direct Loan Program
Under the Federal Direct Loan (FDL) program the College certifies eligibility for each loan, and sends the loan details to the U.S. Department of Education. Loan proceeds are disbursed to the College electronically and then posted to the student's account. Students must repay the loan, with interest, to the servicer assigned by the U.S. Department of Education (ED) after the loan is disbursed.

Subsidized Direct Loan
Federal Subsidized Loans are available to students with financial need. Students may borrow up to $3,500 for their first academic year, $4,500 for the second academic year and $5,500 for the third and fourth academic years at a fixed interest rate which is established annually by the U.S. Department of Education. The interest is paid by the federal government while students are in school. Interest begins accruing at the time students cease full-time enrollment or fail to carry at least one-half the normal full-time College workload. Regular payments begin six months after students cease enrollment or fail to carry at least one-half the normal full-time College workload. First-time borrowers may not receive this type of loan for more than 150 percent of the length of their program of study; U.S. Department of Education may stop paying interest if a student who received Direct Subsidized Loans for the maximum period continues enrollment. View current interest rates.

Unsubsidized Direct Loan
Unsubsidized direct loans are available for students to borrow for education costs. Independent students can borrow up to $9,500 for their first academic year, $10,500 for the second academic year and $12,500 for their third and fourth academic years, as a combined total with the Federal Subsidized Direct loan at a fixed interest rate which is established annually by the U.S. Department of Education. Dependent students can borrow up to $5,500 for their first academic year and $6,500 for their second academic year as a combined total with the Federal Subsidized Direct loan. Interest rates are fixed and established annually by the U.S. Department of Education. With the exception of demonstrating financial need, borrowers must meet all eligibility criteria of the Federal Subsidized loan program. Interest payments begin immediately after the loan is fully disbursed or may be added to the principal balance. Regular payments begin six (6) months after students cease enrollment or fail to carry at least one-half the normal full-time college workload. View current interest rates.

Direct Parent Loan for Undergraduate Students (PLUS)
Federal Parent Loans for Undergraduate Students provide additional funds for parents of dependent undergraduate students. Approval is based on credit-worthiness, but parents with adverse credit may borrow if approved with a credit-worthy co-borrower. Interest payments begin immediately after the loan is fully disbursed or may be added to the principal balance. Interest rates are established annually by the U.S. Department of Education. View current interest rates.

Veterans' Education Benefits
American Career College programs (except Vocational Nursing in Orange County and Los Angeles) are approved for training of Veterans and eligible persons under the provisions of Title 38, United States Code. Students interested in Veterans’ Education Benefits should contact the Financial Aid Department. Veterans who are unsure of their eligibility should contact the Veterans Administration. The Financial Aid Director at each campus serves as the primary Certifying Official, and submits Enrollment Certifications to the DVA for each module of a diploma program or each term for a degree program. Eligible students must maintain satisfactory academic progress to continue receiving educational benefits.

Cal Grant Program
Cal Grant B and C are State Grant programs administered by the State of California and are available to eligible California residents who have applied before the March 2nd deadline. The Cal Grant funds are awarded based on enrollment status during the award year. Student eligibility must be approved by the California Student Aid Commission. Grants are based on funds available from the State and do not have to be repaid. All Cal Grant payments are credited to the student's account to cover outstanding tuition fees, and supplies. However, a student may request direct payment of his or her Cal Grant B access funds up to the date the fund transaction actually occurs.

Chafee Grant Programs
The California Chafee Grant for Foster Youth is a grant program administered by the State of California. To qualify, the student must be a current or former foster youth and not have reached his or her 22nd birthday as of July 1st of the award year. The court must have established dependency for the student between the ages of 16 and 18. (KinGap youth, adopted youth, guardian placement, and voluntary placement may not be eligible for the Chafee Grant, unless court dependence was established, at any time, between the ages of 16 and 18.) The California Department of Social Services will verify an applicant's foster youth eligibility status. Chafee Grant payments will be credited to the student's account at American Career College to cover tuition, fees, and supplies. Excess Chafee Grant funds may be used to pay for child care, rent, or transportation while attending school. The Chaffee Grant is federally and state funded and is subject to the availability of funds each year.

View more information about Cal Grants and Chafee awards.

Private Lending Options
When necessary, ACC participates with private lenders to help students and their families bridge the gap between the cost of education and the amount covered by other financial aid programs. We encourage students and families to supplement their savings by exploring federal and state grants and loans, and to consider the anticipated monthly payments on their total student loan debt and their expected future earnings before considering a private education loan.

Students are encouraged to review each lender's terms and conditions before selecting a lender. Lender terms and eligibility criteria sometimes change, and while all of the lenders listed in the links below currently provide loans to American Career College students, they may not always do so. Students may choose to borrow from one of the private loan lenders listed in the links below or from any other lender.

Select a campus below to view a list of loans offered to ACC students:

Los Angeles



Students considering student loans should be aware of the differences between federal student loans and private student loans:

  • Federal student loans are required by law to provide a range of flexible repayment options including, but not limited to, income-based and income-contingent repayment plans, as well as loan forgiveness benefits that private lenders are not required to provide.
  • Federal direct loans are available to most students regardless of income. Other qualification criteria do apply.
  • Private student loan lenders can offer variable interest rates that can increase or decrease over time, depending on market conditions.
  • The interest rate on a private loan may depend on the borrower's and/or cosigner's credit rating.
  • Private student loans have a range of interest rates and fees. Students should carefully review the interest rate of, and any fees associated with, the private student loan included in their financial aid award package before accepting the loan.
  • Students should contact the lender of the private student loan or their ACC campus financial aid office if they have any questions about a private student loan.

Confidential loan entrance counseling is provided to assist students interested in applying for Federal Loans.View ACC Online Loan Counseling.

Exit Counseling
Graduates who have borrowed student loans are required to complete student loan exit counseling during their last term.

Scholarships and grants are other types of aid that can help students cover the cost of their education. Unlike student loans, grants and scholarships do not have to be repaid. American Career College offers a limited number of institutional scholarships for students who qualify. Unless otherwise noted, all ACC scholarships and grants are applied proportionately each payment period toward tuition and fees. Funds are limited and not all who apply will receive an award. There is no cash value for institutional awards. Students who receive an award but withdraw prior to completion of their academic degree programs will forfeit future disbursements. Disbursements will be reduced proportionately for any term in which a student enrolled in a degree program attempts less than 12 credits. Unless otherwise noted, ACC students are limited to one scholarship or grant award per enrollment.

ACC Dream Act Scholarship
ACC Dream Act Scholarships are offered to applicants who are not eligible for federal financial aid because they are neither U.S. Citizens nor eligible non-citizens, and who have been approved by the USCIS for deferred action, as evidenced by Form I-797. To qualify for the scholarship, students must present the USCIS Approval Notice, along with a copy of their valid work permit. Scholarship amounts vary, and are determined by committee taking into consideration program of study, availability of funds, and an original personal statement, written by the applicant.

Clinical Affiliates Scholarship
This scholarship opportunity is offered to qualified applicants who are either currently employed at one of our active Clinical Affiliates, or who have an immediate family member employed by one of our active Clinical Affiliates who seek to prepare for a career in health care by enrolling at American Career College.

The maximum scholarship amount is $4,000 for degree and VN programs, and $2,000 for all other diploma programs.

In order to qualify, you must meet all admissions requirements of the program, and the following additional requirements:

  1. You must be a first time applicant to American Career College.
  2. You must be employed by one of American Career College’s active Clinical Affiliates, or be an immediate family member of one of American Career College’s active Clinical Affiliates. (Immediate family for this purpose is defined as child, or spouse/domestic partner.)
  3. You must indicate your employment relationship with an active Clinical Affiliate at the time of application to the school, and present a business card from the employee of the Clinical Affiliate prior to your first packaging appointment with the campus financial aid office.
  4. You must have a recommendation from the Director of Clinical Services for the academic program to which you are applying, as evidenced by their signature on the scholarship application form.
  5. Students enrolled in ACC’s RAD, OTA, PTA, or ADN degree programs do not qualify for this scholarship unless an exception is approved by American Career College’s Chief Operations Officer.

Mark Minsky Scholarship
Mark Minsky began his career at American Career College as a Computerized Business teacher in 2003 at the Los Angeles campus, and later moved on to teaching Math and English at the Orange County campus. While teaching, Mark found his passion helping members of the community who had not finished high school by tutoring them for their High School Equivalency exam. He leaves behind a legacy of successful ACC graduates who transferred to our school after completing their certificate. He had a positive impact on each person he met and has changed thousands of lives for the better.

This scholarship opportunity is offered to qualified applicants who have successfully graduated from an accredited High School Equivalency program, and who seek to continue their education and prepare for a career in business or health care by enrolling in a diploma or degree program at American Career College.

This scholarship is in the amount of $600.

In order to qualify, you must meet all admissions requirements of the chosen ACC program, and the following requirements:

  1. You must have successfully graduated from an accredited High School Equivalency Program, as evidenced by either a copy of the school’s diploma, or official High School Equivalency exam scores from the State of California.
  2. Enroll for the first time in a diploma or degree program at American Career College.

Scholarship funds will be awarded for current or future payment periods only, not retroactively.

Continuing Education Grant (formerly the Alumni Scholarship)
Designed to encourage qualified graduates of American Career College to continue their education by enrolling in another program to increase their job skills and broaden their employment opportunities. Award amounts vary but will not exceed $2,000.

In order to qualify, students must:

  1. Be a graduate of an American Career College diploma or degree program; and
  2. Enroll in a new diploma or degree program at American Career College; and
  3. Have had no disciplinary actions during previous enrollment; and
  4. Be in good financial standing with American Career College; and
  5. Renewal of the grant each academic year requires a minimum CGPA of 3.0, and no conduct warnings on student record.

Re-Entry Grant
This grant program is designed to encourage qualified students who withdrew from American Career College’s diploma and degree programs to continue their education by re-enrolling in the program from which they withdrew. The maximum grant amount will be $1,000, not to exceed the student’s existing balance from the previous enrollment. The total amount awarded will be applied as a credit towards tuition and fees in the last payment period of the program prior to graduation. This grant may only be awarded once per student.

ACC Ambassador Scholarship
ACC Ambassador Scholarships are designed to encourage the continued professional development of former employees of American Career College who choose to enroll in an ACC associate degree program or Vocational Nursing program on a full-time basis. Eligibility for this scholarship will be determined by a committee, taking into consideration previous employment at ACC, entrance exam score, and evaluation of an original personal statement that describes future career goals. The amount of the scholarship will be 35% of tuition each term of full-time attendance. The scholarship is renewable each academic year for students who maintain Satisfactory Academic Progress. A maximum of three scholarships will be awarded each calendar year.

ACC Persistence Grant
The ACC Persistence Grant is a full-tuition grant opportunity offered to 2016 and 2017 graduates of American Career College, who completed the Vocational Nursing, Radiography, Occupational Therapy Assistant, Physical Therapy Assistant, or Associate Degree of Nursing program, but were unable to sit for state licensure based on background check disqualifying events, which occurred after their enrollment. Qualified applicants are eligible to enroll in the Medical Billing and Coding, Medical Assistant and Dental Assistant programs at American Career College.

Success Scholarship
This scholarship opportunity is offered to qualified applicants enrolling in the following programs: Medical Assistant, Dental Assisting, Massage Therapy, Pharmacy Technician, Optical Technician, Vocational Nursing, or Respiratory Therapy. Eligibility for this scholarship will be determined based academic ability, unmet financial need, and evaluation of an original personal essay. The amount of the scholarship will vary based on composite score of merit and need criteria but will not exceed $4,000.

In order to qualify, you must meet the following requirements:

  1. Enroll in a qualifying ACC program for the first time; and
  2. Meet all admissions requirements to the program; and
  3. Achieve at least the minimum composite score as detailed on the attached Success Scholarship Matrix
  4. Submit a current FAFSA and required supporting verification documents to establish unmet need; and
  5. Submit an original one-page personal essay that explains why you think you will be successful in your chosen career.

Vocational Nursing & Respiratory Therapy Students: In order to renew eligibility in subsequent academic years, you must have a minimum cumulative GPA of 3.0, submit a renewal FAFSA along with any required verification documents, and not have any conduct warnings in your student record.

ADN Transfer Grant for Shepherd University
This grant opportunity was created to benefit recent ADN students who were negatively impacted by the closing of Shepherd University in Los Angeles. The grant is offered to qualified applicants who attended the Associate Degree, Nursing program at Shepherd University in 2017, and are now enrolling in the Associate Degree, Nursing program at American Career College. This grant will be in the amount of $5,000, offered as a tuition credit proportionately disbursed each enrollment period. To qualify, applicants must provide an official transcript from Shepherd University showing attendance in pursuit of an ADN, and be admitted to American Career College’s Associate Degree, Nursing program. There is no cash value for this grant; if you withdraw from ACC’s ADN program before completing, the unused portion of the grant will be lost. This grant may not be combined with any other ACC grants or scholarships.

Ellen M. Lewis Scholarship
The Ellen M. Lewis Scholarship was created to honor the founding Director of the Associate Degree in Nursing (ADN), Registered Nurse Program at American Career College, Los Angeles. Awards will be made to students who best demonstrate the commitment and dedication to the nursing profession which Mrs. Lewis has passionately exhibited throughout her career. Students will be selected by a committee based on a combination of criteria including academic performance (GPA), attendance history, and a written essay (approx. 600 words). Click here for grading criteria. The amount of the scholarship for each recipient will be $2,500 applied to outstanding tuition and fee charges at American Career College. Applications may be submitted by students enrolled in the ADN program at American Career College in their final term of the program who have achieved an overall 90% or greater attendance record. The signed scholarship application and essay must be presented to the ADN Program Director no later than the last day of the fourth week of instruction in the final term of the program.

New Horizons Grant
This grant opportunity is offered to qualified applicants enrolling in American Career College for the first time after becoming unemployed due to the recent closure of Toys-R-Us. In order to qualify, you must meet all admissions requirements for the ACC program, and have recently become unemployed due to the closure of Toys-R-Us. For purposes of this grant, “recently” is defined as becoming unemployed on July 1, 2017 or later. If you qualify for this grant, a total of $2,000 will be applied to your student account as a tuition reduction. The grant will be applied proportionately each term or payment period, and may be pro-rated for less than full time enrollment. Application forms are available in the Financial Aid Office. All applications must be returned to the Financial Aid Office, along with documentation of your loss of employment, prior to the start date of your academic program. This grant may not be used in conjunction with any other American Career College grants or scholarships, and does not apply to students already receiving a tuition discount based on a state or county sponsored re-training program.

A wide array of scholarships funded by outside sources is also available to students. Scholarship eligibility criteria vary. The Financial Aid Department is happy to assist students who wish to apply for financial aid and scholarships.

Health Professions Education Foundation
Hispanic College Fund
California Chafee Grant Program
Discover Nursing
SLM Scholarship Search
Health Resources and Services Administration Nursing Scholarship Program
Nursing Scholarships
JVS Scholarship Program
ACC Career Training Education Scholarship
OSHOD - Allied Healthcare Scholarship Program
Best Nursing Degree

General Forms

Authorization to Retain Funds
Book & Supply Opt Out
Cost of Attendance Appeal
Dependency Appeal
Division of Income
Excess Stipend Request
NSLDS Access Form
Parent PLUS Loan Override Request
Parent PLUS Request
Parent Refusal to Sign FAFSA
Permission to Text
Reference Form
Replacement Check Request
Selective Service Appeal
Student Identity Doc Exception
Tuition Options Loan Counseling Checklist
VA Bill of Rights

2017 – 2018 Forms

Additional Resource Form
Cal Grant Asset Verification
Cal Grant Books Supplies Auth
Income Appeal - Dependent Student
Income Appeal - Independent Student
Statement of Educational Purpose
Tax Verification Information
Unusual Enrollment History Appeal
Verification Worksheet - Dependent Student
Verification Worksheet - Independent Student
Welcome Letter

2018 – 2019 Forms

Additional Resource Form
Cal Grant Asset Verification
Cal Grant Books Supplies Auth
Income Appeal - Dependent Student
Income Appeal - Independent Student
Statement of Educational Purpose
Tax Verification Information
Unusual Enrollment History Appeal
Verification Worksheet - Dependent Student
Verification Worksheet - Independent Student
Welcome Letter

Cost of Attendance Budgets

Associate in Health Information Technology
Associate in Nursing
Associate in Occupational Therapy Assistant
Associate in Physical Therapy Assistant
Associate in Radiography
Associate in Respiratory Therapy
Associate in Surgical Technology


Helpful Links

How to Fill Out the FAFSA

Overview of the Financial Aid Process

Types of Federal Student Aid

Myths About Federal Student Financial Aid

How to Manage Your Student Loans

Student Loan Counseling Demos

Third Party Servicer Contracts

Tier I Third Party Servicer Disclosures

Electronic Stipends

We have partnered with BankMobile to deliver your financial aid refund. For more information about BankMobile, visit this link:

To view our institution’s contract with BankMobile, a Division of Customers Bank, click here.

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