How Students Can Build Better Credit Fast

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• Students applying through the American Job Center Hawai’i are not eligible for simultaneous enrollment and attendance. In order to qualify, students must first be placed on a deferred start if they opt to apply for AJCH funds.
• Scholarship and Grant funds are not available for the CNA program.
• Money Back Guarantee program is for long-term programs only. CNA programs do not qualify for the Money Back Guarantee program.
• PersonAbility™ is a registered trademark of the National Healthcare Association.
• Income specifications are based on the median average salary for the State of Hawai’i as defined by the Bureau of Labor Statistics, as cited on the Allied Health Schools website. Program pricing applies solely to individual programs.
• Program costs, taxes, and other fees are subject to change without notice at the time of publication. For the most current information, please consult with your admissions advisor.
• Interest is calculated at a rate of 19% monthly, in addition to the balance of outstanding funds over the duration of the program, and is subject to change without notice.
• The Career College of the Pacific assists students with computer discount programs and, in certain cases, offers students the use of college-owned computers during their enrollment. These computers remain the property of the Career College of the Pacific until the student’s graduation. Students who withdraw, drop out, or fail to complete the program are obligated to return the computer system within 10 days. Failure to do so will result in the system’s cost being deducted from any refund due.
• The maximum number of billing and coding certifications is two, and CompTIA is four. The college covers the cost of a single certification exam, as outlined in the student catalog. The monthly payment estimates provided are examples and do not represent actual monthly costs. The estimates are based on average calculations for students with poor to medium credit scores and are derived from total tuition costs. The actual cost may vary once the third-party finance company has conducted a credit check and taken other factors into account. Pricing is subject to change without notice, and all monthly pricing is based on examples and not actual students. The Career College of the Pacific makes no guarantees regarding any monthly payment, is not obligated to provide one, and the student agrees to assume all risks associated with third-party financing.

• Computer Loan Program for Eligible Students at Career College of the Pacific

  1. Objective: The aim of this policy is to support eligible students at Career College of the Pacific by providing a computer system on loan. This initiative is designed to assist students with their academic studies. The computer system remains the property of Career College of the Pacific until the student graduates and meets all academic and financial obligations.

  2. Eligibility Criteria: To be eligible for this program, students must meet certain income criteria. Specifically, the household income of the student should not exceed 130% of the Federal Poverty Guideline amounts for Hawaii. The specific income limits based on household size are as follows:

  • For a 1-member household: $20,319
  • For a 2-member household: $27,378
  • For a 3-member household: $34,437
  • For a 4-member household: $41,496

  3. Application Process: Students interested in this program should request a computer system from their admissions counselor. To support their request, students must provide documentation that verifies their income and household size. This should include a copy of their most recent tax return.

  4. Terms and Conditions of Use:

  • The computer system, provided on loan, remains the property of Career College of the Pacific and should be primarily used for educational purposes related to the student’s studies at Career College of the Pacific.
  • Students are required to maintain the computer system in good working order.
  • In case of damage or loss, students will be responsible for the cost of repair or replacement.
  • Improper use of the computer system may lead to the termination of the loan agreement.

  
  5. Completion of Loan: Upon graduation and completion of all academic and financial obligations to Career College of the Pacific, the ownership of the computer system will be transferred to the student.

  6. Non-compliance: Failure to comply with the terms and conditions of this policy may lead to the termination of the loan agreement, and the student will be required to return the computer system immediately to Career College of the Pacific. If a student fails to return the computer system at their own expense, collection action may be initiated against the student. This includes all court and legal fees associated with the collection process.

Financial Aid Guarantee Program Disclaimer & Information

Disclaimer: Career College of the Pacific is committed to ensuring that all students have the opportunity to pursue their educational goals through our Financial Aid Guarantee program. Qualification for financial aid is subject to approval through Climb Credit. All students will qualify for financial assistance; however, the specific terms of the aid, including down payment amounts and payment schedules, are determined by Climb Credit based on individual creditworthiness. Students may be offered different financial aid packages, which could include either no initial down payment with deferred payments post-graduation or a plan requiring 10% down with monthly payments spread over 24 months commencing 30 days after program start date. Career College of the Pacific does not have any influence over Climb Credit’s decision-making process regarding the assignment of financial aid terms. Please refer to Climb Credit’s policies and terms for full details.

Financial Aid Program Guarantee

At Career College of the Pacific, we are committed to making education accessible. We’re proud to partner with Climb Credit to offer two distinct financial aid programs to our students:

Deferred Payment Plan: Eligible students may qualify for a program that requires no down payment with payments deferred until after graduation. Eligibility for this program is based on the applicant’s creditworthiness as determined by Climb Credit.

Immediate Repayment Plan: Students who do not qualify for the deferred payment plan may be eligible for an immediate repayment plan that includes a 10% down payment with monthly installments beginning 30 days after the start of classes.

All students are guaranteed to qualify for one of these two financial aid programs, but the specific terms, including down payment and payment schedule, are based on the comprehensive credit assessment carried out by Climb Credit. The 10% down payment is the minimum required to commence any of our programs, and this down payment amount is part of the total program cost.

Please note that Climb Credit is an independent entity, and while Career College of the Pacific facilitates the financing process, the final determination of financing terms and eligibility lies solely with Climb Credit. We encourage all prospective students to review the terms and conditions provided by Climb Credit thoroughly to understand the obligations and commitments associated with the financing offered.

For more information, please contact our Financial Aid Office or visit Climb Credit’s website to learn more about your options and the application process.

This disclaimer is subject to changes and updates, and the most current version can be found on our website or obtained by contacting our office directly. Career College of the Pacific does not guarantee the accuracy of information provided by external organizations.

Financial Aid Guarantee Disclaimer

At Career College of the Pacific, we are committed to making education accessible to all. That’s why we offer a unique Financial Aid Guarantee: If you meet our eligibility criteria and we cannot secure financial aid on your behalf, we will waive your tuition fee.

Eligibility Criteria for Financial Aid Guarantee:

• • Submission of all required financial aid application forms by specified deadlines.
  • Compliance with all financial aid interview and document submission requests.
  • Demonstrated financial need, as determined by a standard needs analysis system.
  • Acceptance into an eligible program of study.

Terms and Conditions:

• • The Financial Aid Guarantee applies only to tuition fees; other fees and expenses are not covered.
  • This offer applies only if financial aid is denied due to circumstances beyond the student’s control. Students who are ineligible for financial aid due to past academic performance, disciplinary actions, or similar factors are not covered by this guarantee.
  • The guarantee is valid for one academic program at a time and is subject to review and renewal for each subsequent program.
  • Students must not have previously declined financial aid for which they were eligible.
  • The waiver of tuition under the Financial Aid Guarantee is provided in the form of a scholarship or grant administered by Career College of the Pacific.

Additional Details:

• • This guarantee does not apply if financial aid is available but the student elects not to take it.
  • The waiver is not transferable and has no cash value.
  • If the student becomes eligible for financial aid after the tuition waiver has been applied, the waiver will be rescinded, and the financial aid will be applied to the student’s account.
  • Career College of the Pacific reserves the right to modify or discontinue this guarantee at any time without prior notice, subject to applicable laws and regulations.

We encourage all prospective students to speak with our financial aid advisors to understand all the financial options available to support their education goals.