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Tuition and U.S. Financial Aid: Massage Therapy Program
The standard budget established for financial aid purposes includes estimated living expenses for one person in the Portland metropolitan area. Because student living arrangements and personal spending habits vary widely, there is no single figure that perfectly represents the cost of attendance of the DC program at UWS. With careful planning and budgeting, you can spend significantly less than the estimated expenses, thereby minimizing your student loan debt
U.S. Financial Aid for Massage Therapy Students
Financial Aid Application and Eligibility Information for U.S. Students Federal aid for the Massage Therapy program consists of a variety of government-funded grants and student loans. All M.T. students are automatically considered for all types of grants and loans listed below. Grants are free money—no repayment required. Loans must be repaid on time, in full, with interest. Students are awarded the maximum amount of each type of aid, based on their eligibility as calculated by the U.S. Department of Education.
For an estimate of your net price after grants and scholarships, please use the Net Price Calculator below:
Net Price Calculator
These are the types of government-funded grant programs available: - Pell Grants (based on level of enrollment and EFC)
- Up to $1388 per term of enrollment (eligible EFC range: $0-$4800)
- Not available to students who have previously earned a Bachelor’s degree or higher
- Federal Supplemental Education Opportunity Grants (FSEOG) (dependent upon Pell Grant eligibility)
- Amounts vary depending on funds available to award
- Oregon Opportunity Grants (OOG)
- Up to $325 per term of enrollment
- Must meet Oregon residency requirements
- Must meet need criteria determined by the Oregon Student Assistance Commission
- Funds are awarded on a first-come, first-served basis based on FAFSA filing date
These are the types of federal loans available: - Perkins Loans (based on EFC, timely FAFSA application, and availability of funding)
- Amounts vary depending on funds available to award
- Federal Direct Loans (Subsidized and Unsubsidized; also known as Stafford or Direct Loans)
- Dependent student annual limit: $5500, of which $3500 is the maximum Subsidized amount
- Independent student annual limit: $9500, of which $3500 is the maximum Subsidized amount
- The award year begins with Summer and ends with Spring; you will have access to more than the annual limit over the course of the Massage Therapy program
- Federal Direct Parent PLUS loans
- Annual limit: Cost of Attendance minus other financial assistance, such as loans and scholarships
Non-federal sources of funding: - UWS Scholarships
- Scholarships from outside sources
- A number of private organizations offer scholarships; each organization will have its own deadlines, criteria, and application processes
- www.fastweb.com is a helpful resource to help you get started on your search for scholarships
- Veterans Educational Benefits
- Alternative Loans (non-federal loans borrowed through private lenders)
- Can be borrowed to cover the entire Cost of Attendance, minus any other financial assistance
- Recommended as a last resort only.
- Cost and terms are typically less favorable than federal student loans.
Estimated Total Cost of the Massage Therapy Program for 2012-13
| Direct Costs: |
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| Tuition* |
$12,188 |
| Per credit (for students taking a reduced course load) |
$257 |
| Fees |
$300 |
| Total Direct Costs: |
$12,488 |
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| Indirect Costs: |
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| Books & Supplies (includes massage table) |
$1,505 |
| Other indirect costs if living at home with parents |
$9,472 |
| Other indirect costs if not living with parents |
$21,748 |
| Total Estimated Indirect Costs Living at Home With Parents |
$10,977 |
| Total Estimated Indirect Costs Living not Living With Parents |
$23,253 |
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| Estimated Grand Total at Home With Parents |
$23,465 |
| Estimated Grand Total not Living With Parents |
$35,741 |
The Cost of Attendance represents the maximum you may receive in all forms of educational funding, including federal and private student loans, scholarships, stipends, and grants.
*Tuition and fees are based on full-time enrollment (9 credits or more) and subject to change without notice. Tuition rates and fees are annually reviewed and approved by the Board of Trustees, and typically any changes go into effect at the beginning of the summer term.
Frequently Asked Questions
Dependent or Independent? - Will you be considered dependent or independent for financial aid purposes? The answer to this question is determined in Step 3 of the FAFSA.
- Dependent students must provide parental information and a parent’s signature on the FAFSA. For the 2012-13 award year, you are considered dependent unless you can answer “yes” to one or more of the following:
- Were you born before January 1, 1989?
- As of the date you are filing your FAFSA, are you married?
- Are you currently serving on active duty in the U.S. Armed Forces for purposes other than training?
- Are you a veteran of the U.S. Armed Forces?
- Do you have children who will receive more than half of their support from you between July 1, 2012 and June 30, 2013?
- Do you have dependents (other than your children or spouse) who live with you and who receive more than half of their support from you, now and through June 30, 2013?
- At any time since you turned age 13, were both your parents deceased, were you in foster care or were you a dependent or ward of the court?
- Are you or were you an emancipated minor as determined by a court in your state of legal residence?
- Are you or were you in legal guardianship as determined by a court in your state of legal residence?
- At any time on or after July 1, 2011, did your high school or school district homeless liaison determine that you were an unaccompanied youth who was homeless?
- At any time on or after July 1, 2011, did the director of an emergency shelter or transitional housing program funded by the U.S. Department of Housing and Urban Development determine that you were an unaccompanied youth who was homeless?
- At any time on or after July 1, 2011, did the director of a runaway or homeless youth basic center or transitional living program determine that you were an unaccompanied youth who was homeless or were self-supporting and at risk of being homeless?
What is my Expected Family Contribution (EFC), and why does it seem so high? - The EFC is a federal calculation that is an estimate of your family’s ability to contribute to your education during an academic year. The calculation takes into account your family size, number of family members in enrolled in college (excluding your parents if you are a dependent student), family income, family assets, taxes paid, and a number of other factors.
- The EFC often seems high, but remember that it does not necessarily represent the amount you and/or your family must pay to the school for direct educational expenses. It is simply meant to be an approximate measure of your family’s ability to contribute.
- The EFC can be covered, if necessary, with student and/or parent loans.
Please do not hesitate to contact the Financial Aid Office by email at finaid@uws.edu or call 503-847-2563 if you have any questions.
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