Financial Aid


An education is one of the most important investments in your career! And a Massage School education is an investment that can change your life.

We understand that you probably have questions and would appreciate the help in developing a personalized financial plan for tuition. This is a brief description of some of the more common sources of tuition funding that may be available for those who qualify. A combination of sources can be used to help students develop a complete tuition payment plan. Students will be awarded financial aid based on their individual eligibility. The financial aid representative can help you with applications and questions.

Scholarships, Grants & Gift Aid


Federal Grants

Federal Pell and Federal SEOG need based grants calculated on government and institutional financial “need” formulas. Grants do not have to be repaid. Awards range based on applicant’s eligibility from $0 -$5,550 per academic year.


Cortiva Institute Scholarships

Two scholarship programs are offered by Cortiva to help students with their tuition investment.
  • Cortiva Institute Founders’ Scholarships $1000
  • Cortiva Institute Presidents’ Scholarships $500

  • Awards are based on the applicant’s interview and essay describing why they have chosen this field. See your Admissions Representative or Financial Aid officer for an application and details.
  • The scholarship program at Cortiva Institute – Chicago consists of one D. Kawaters $500.00 scholarship awarded each term in addition to other available scholarships.
  • All other terms and conditions apply as stated.

Other Scholarship Sources

Employers, Churches, Clubs, Unions, Foundations.


Agencies

Veterans Administration - Military Spouses may be eligible for additional funding.

Department of Labor Bureau of Rehabilitation Services


Employer reimbursement

Some employers will reimburse students for a portion of tuition costs.

Federal and Private Loans

Federal Subsidized Loan
low interest loan awarded based on need. No interest or payments while in-school and for 6 months after (grace period). No credit check. Loans can range from $0 – $3,500, per academic year, based on eligibility.


Federal Unsubsidized Loan
low interest loan, NOT awarded on the basis of need, in which interest accrues immediately but payments that can be deferred until 6 months after graduation. No credit check. Loans can range from $0 – $6,000 (independent student), $0 - $2,000 (dependent student), per academic year, based on eligibility.


Federal Parent Plus Loans
low-fixed interest loan available to parents of undergraduate students for tuition, books, fees, living expenses, etc. Credit check required. Co-signer may be used.


Alternative Financing
“Smart Loan”

Available to cover tuition, books, fees, etc. Interest rates vary based on credit history. Co-signer may be used.


Tax Benefits for Education:

  • Hope Tax Credit - up to $1650 per student.
  • Lifetime Learning Tax Credit - up to 20% of a family’s tuition expenses, up to $10,000.
  • For more information on tax credits, go to www.irs.gov or ask your Financial Aid Representative.

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Payment Plans

Student payment plan option is provided for students who have balances remaining after all other financial aid options have been pursued. Break down your remaining balance into interest – free monthly payments over the length of your program.

Not all sources are available at all locations; please check with your financial aid representative for more information on what programs are available at your location.


Florida Prepaid College Plan

On June 16, 2009, Governor Crist signed Senate Bill 606 into law. Under this new law, a qualified beneficiary may apply the benefits of a Florida Prepaid College Plan to their tuition at Cortiva Institute – Florida.


Benefits of the Florida Prepaid College Plan will be awarded to eligible students based on enrollment and eligibility in one of the following prepaid college plans:


  • The 4-year University Plan
  • 2 + 2 Tuition Plan
  • 2-year Community College Plan
  • The Florida College Investment Plan

For details on your individual plan please contact Florida Prepaid @ 1-800-552-GRAD (4723)

And contact your Cortiva Institute Financial Aid Representative for assistance with this and all other possible financing options.

Investing in your education is an important step, and we are here to help you along the way.


For more information see: http://www.myfloridaprepaid.com/


The process for transferring a student’s Florida Prepaid College Plan benefits to your institution is as follows:

  • The student files a completed Transfer Form with the Florida Prepaid College Program (The form may be obtained from the Florida Prepaid College Plan’s website - http://www.myfloridaprepaid.com/Forms).
  • Once the Prepaid College Board has confirmed that the school is eligible under Title IV, the Board will send a letter to the account owner confirming that the transfer of Prepaid College Plan benefits has been approved
  • Upon approval of the transfer of benefits to the institution by the Prepaid College Board, the Board will send a letter to the institution outlining the procedure that the institution must follow for invoicing the Florida Prepaid College Program for the tuition and fees for that particular student and the Prepaid College Plan benefits available to the student under his or her Prepaid College Plan contract.

Note: While the benefits of the Florida Prepaid College contract may be used at this institution, the Florida Prepaid College Board does not endorse any particular educational institution.


Cortiva Institute – Florida * 4045 Park Boulevard * Pinellas Park, FL 33781 * Lic. #585

Documents that will be helpful:

  • Your Social Security Number.
  • Your Driver's License (if any).
  • Your W-2 Forms and other records of money earned.
  • Your (and your spouse's, if you are married) Federal Income Tax Return form 1040, 1040A, or 1040EZ, foreign tax return, or tax return for Puerto Rico, Guam, Samoa, the U.S. Virgin Islands, the Marshall Islands, or the Federated States of Palau.
  • Your parents' Federal Income Tax Return (if you are a dependent student).
  • Your untaxed income records: Social Security, Temporary Assistance to Families, welfare, or veteran's benefits records.
  • Your alien registration number or permanent residence card or U.S. Passport (if you are not a U.S. citizen).

To submit your FAFSA application go to: http://www.fafsa.ed.gov/

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