Student Financial Assistance Programs

Financial assistance is generally a combination of grants, work-study and loans which supplement the student’s contribution toward training. As an accredited post-secondary institution, ATI has various federal financial assistance programs available to qualified students. There are also state, local and private financial assistance programs available. These programs exist to assist students in paying for educational expenses.

Eligibility for financial assistance is determined by Financial Aid office personnel, who are trained in using a standard, federally-approved method of needs analysis. Students will be interviewed individually to determine a financing arrangement that suits their needs and personal situation, and which meets the requirements of the school.

Annually, ATI provides a NOTICE directly to all enrolled students describing the availability of the consumer information. This notice contains a brief description of the various disclosures and how to obtain the full disclosures. For all disclosures that are posted on a website, we have provided the exact electronic address, we have also indicated where papercopies are available.

Annual Notice - Availability of Consumer Information.pdf

Financial Aid Programs

Students attending ATI have access to various federal and non-federal student financial aid programs that they can apply for. Students and parents should visit the financial aid office at their school to receive personalized assistance in applying for these programs.

  • The Pell grant is gift assistance which does not have to be repaid. Pell is awarded to students who have a financial need as determined by the U.S. Department of Education standards. Annually, the U.S. Department of education determines student eligibility for this grant. For the 2011-12 award years, the maximum grant is $ 5,550.

    Students who receive a Pell Grant for the first time on or after July 1, 2008 are subject to a life-time aggregate that they cannot exceed. The aggregate limit is 900% of the student¹s total Pell Grant eligibility; students can monitor their aggregate balance on the NSLDS website at

  • Federal Supplemental Education Opportunity Grant (FSEOG) – The FSEOG is gift assistance which does not have to be repaid. FSEOG is awarded to students who have an exceptional financial need as determined by the U.S. Department of Education standards. Student with the lowest “Expected Family Contribution” (EFC) are awarded FSEOG before students with higher EFCs. The average award amount varies from school to school. FSEOG is based on the annual amount provided to the school. FSEOG is awarded to all students until the funds are depleted. The school cannot guarantee every eligible student will receive FSEOG.
  • Federal Work-Study – The Federal Work-Study program offers students the opportunity to meet part of their expenses by working part-time on or off campus for at least minimum wage. A limited number of assignments are available, and priority is given to students with the greatest financial need who are qualified for the job assignments available. Please see your Financial Aid Office for available assignments and additional information regarding the Federal Work-Study Program. Refer to the school catalog for participating locations.
  • Subsidized Federal Stafford Loan – The subsidized Federal Stafford Loan program provides low interest loans through the U.S. Department of Education’s Direct Loan Program. The maximum annual loan amount for the first academic year is $3,500 for undergraduate students, less origination and other fees (if applicable). The federal government pays the interest for you during in-school, in-grace, and deferment periods. Interest does not accrue until the student enters repayment six months after leaving school or dropping below a half-time enrollment status. The minimum repayment amount is $50 per month; however, subsidized federal Stafford loans provide many flexible repayment plans as outlined in the loan counseling materials. Payments are based on the repayment plan selected by the student. For loans first disbursed on or after 7/1/2011, the interest rate is fixed at 3.4% for undergraduate students. Borrowers with other outstanding loans may be eligible to consolidate eligible loans into one consolidated payment. Please refer to your Loan Entrance counseling package for additional information.
  • Unsubsidized Federal Stafford Loan – If you do not qualify for a full or partial Subsidized Stafford Loan based on your financial need, or need additional loan funding, you may qualify for an Unsubsidized Stafford Loan. The federal government does not pay the interest on unsubsidized loans while you are in school or have loans in a deferred status. Student loan borrowers are eligible for all interest that accrues on the loan while enrolled, during your grace period, and any deferment periods. You may elect to make interest payments while in school to avoid the capitalization of interest and lower the overall repayment debt. Loan repayment begins six months after leaving school or if you elect to attend less than half time. Independent students can borrow up to $9,500 (Subsidized and Unsubsidized combined) for the first academic year. Dependent students can borrow up to $5,500 (Subsidized and Unsubsidized combined) for the first academic year. For loans first disbursed on or after 7/1/2011, the interest rate is fixed at 6.8%.

    Please see your Financial Aid Administrator to receive further information regarding the maximum Stafford annual loan amounts for second or subsequent academic years.
  • Parent PLUS Federal Loan – The Federal PLUS loan is available to parents who wish to apply for additional assistance for their dependent child’s education. A parent’s decision not to apply for a PLUS loan does not guarantee the dependent student may receive additional financial aid assistance. The amount of the PLUS loan cannot exceed the student’s cost of attendance less other student aid awarded. The interest rate varies and is adjusted each year, not to exceed 9% and begins to accumulate on the date of the first disbursement. PLUS loans through the Federal Direct Student Loan Program disbursed on or after 7/1/2011 will have a fixed rate of 7.9%. The first payment will be due within 60 days after the final loan disbursement. Payments will include both principal and the interest that accumulates.

Additional Financial Aid information websites for students and parents


ATI Scholarship – ATI offers various scholarships to eligible students, please visit the financial aid office at your school for more information on the scholarships listed below:

  • Arizona Automotive High School Graduate Scholarship - Awarded to eligible high school graduates as determined by scholarship committee
  • ATI Employee Scholarship – Awarded to eligible ATI employee family members
  • ATI Institutional Scholarship – Awarded to eligible students based on eligibility criteria as determined by campus Executive Director
  • Larry Gilbert VA Scholarship – Awarded to eligible applicants that are veterans of the armed services; essay submission and eligibility by the Veteran Administration is required

Student Aid Eligibility

Eligibility for federal student aid is based on financial need and on several other factors. The financial aid administrator at your school you attend or plan to attend will determine your eligibility.

To receive aid from our programs, you must:

  • Demonstrate financial need (except for certain loans)
  • Have a high school diploma or a General Education Development (GED) certificate, pass an ability-to-benefit (ATB) test approved by the U.S. Department of Education and independently administered, meet other standards your state establishes that the Department approves, complete a high school education in a home school setting that is treated as such under state law, or have satisfactorily completed six credit hours or the equivalent course work toward a degree or certificate
  • Be enrolled or accepted for enrollment as a regular student working toward a degree or certificate in an eligible program. Note: You might be able to receive aid for distance education courses as long as they are part of a recognized certificate or degree program
  • Be a U.S. citizen or eligible non-citizen
  • Have a valid Social Security Number
  • Register with the Selective Service if required
  • Maintain satisfactory academic progress once in school
  • Certify that you are not in default on a federal student loan and do not owe money on a federal student grant
  • Certify that you will use federal student aid only for educational purposes

The Higher Education Act of 1965 as amended (HEA) suspends aid eligibility for students who have been convicted under federal or state law of the sale or possession of drugs, if the offense occurred during a period of enrollment for which the student was receiving federal student aid (grants, loans, and/or work-study). If you have lost federal student aid eligibility due to a drug conviction, you can regain eligibility if you pass two unannounced drug tests conducted by a drug rehabilitation program that complies with criteria established by the U.S. Department of Education.

Civil Commitment for Sexual Offenses - A student subject to an involuntary civil commitment after completing a period of incarceration for a forcible or non-forcible sexual offense is ineligible to receive a Federal Pell grant.

If you are convicted of a drug-related offense after you submit the FAFSA, you might lose eligibility for federal student aid. The information you report on your FAFSA is used to determine your Expected Family Contribution (EFC), which is calculated by a formula established by law. The EFC is not the amount of money that your family must provide. Rather, you should think of the EFC as an index that schools use to determine how much financial aid (grants, loans or work-study) you would receive if you were to attend their school. If your EFC is below a certain number, you’ll be eligible for a Federal Pell Grant assuming you meet all other eligibility requirements.

The amount of your Pell Grant depends on your EFC, your cost of attendance and your enrollment status (full-time, three-quarter time, half-time, or less than half-time).

For most other aid programs, the financial aid administrator at your school takes your cost of attendance and then subtracts your EFC, the amount of a Federal Pell Grant you are eligible for, and any other sources of financial assistance you may have. The result is your remaining financial need:

Cost of Attendance
- Federal Pell Grant Eligibility
- Aid From Other Sources
= Remaining Financial Need

If you're attending at least half-time, your cost of attendance is the sum of:

  • Your actual tuition and fees (or the school's average tuition and fees)
  • The cost of room and board (or living expenses for students who do not contract with the school for room and board)
  • The cost of books, supplies, transportation, loan fees, and miscellaneous expenses (including a reasonable amount for the documented cost of a personal computer) NOTE: Books are included in the tuition and fees at ATI
  • Personal expenses

Costs unrelated to the completion of a student's course of study are not included in calculating that student's cost of attendance.

The financial aid office can consider special or unusual circumstances such as unusual medical expenses, tuition expenses, or unemployment and can adjust your cost of attendance or some of the information used to calculate your EFC. The financial aid administrator at your school also can change your status from dependent to independent, but only under specific circumstances the aid administrator will explain. You'll have to provide your school with documentation to justify any change. The decision to change or not to change your dependency status is based on the aid administrator's judgment, and it's final. It can't be appealed to the U.S. Department of Education.

Applying for Student Financial Assistance

All students applying for financial assistance must have a personal interview with a member of the Financial Aid office staff. During this interview process, the staff member will assist the student in completing a Free Application for Federal Student Aid (FAFSA) and any other forms necessary to determine eligibility and apply for financial assistance. It is the student’s responsibility to provide any requested documents in order to verify eligibility and process the application in a timely manner.