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Financial Aid Resources for Empire Cosmetology Students

BlogBeauty Career | August 25, 2014

If you have been considering cosmetology as a career but are hesitant because of potential costs, there are many resources available for you to pursue your dreams and obtain a quality education.  The financing options vary according to each person’s individual situation, but Empire Beauty School  will work with you to help make education affordable.

Career Planning Specialist

It’s a normal worry in this economy to hope for a better future while still being able to control costs and pay your usual bills. To sort out the details of what you need to know about student financial aid, contact your local Empire Beauty School to meet with a Career Planning Specialist. They will work with you to explain the cosmetology programs available in your area, estimated time of completion, costs and outcomes. They also help with the application process so that you can easily understand what is being asked on standardized forms and government documents. Learn more about taking this initial step here.

Most Empire students qualify for financial aid, and last year, 80% of students received grants.

Grants, Scholarships & Loans

The usual sources of financial aid come from grants, scholarships and loans.  If you qualify for a grant or scholarship, it would not have to be repaid unless certain stipulations are made as part of the contract. These often include maintaining classroom attendance and grade requirements. Loans of any type need to be repaid to the lender, with terms of the agreement stated at the outset. Interest is attached in most cases, and rates will depend on circumstances and ability to qualify. You can apply for government loans, personal loans, or a combination of the two.  Empire can also help potential students secure loans for living expenses while attending school, such as child care or transportation.


Subsidized & Unsubsidized

As a participant in the Federal Direct Student Loan Program, Empire offers both subsidized and unsubsidized student loans. It’s important to note the differences between the two types. A subsidized loan is based on financial need, and does not require interest to be paid while the student is enrolled in school. Once the student graduates and the grace period ends, then repayment of the loan with interest is required. An unsubsidized loan is not based on financial need, and interest accrues while the student is still attending school.

Free Application for Federal Student Aid. (


The entire financial aid process begins with an application to FAFSA, the Free Application for Federal Student Aid. Visit and view the online application. You can complete it yourself, or with the assistance of Empire’s Financial Aid Department to walk you through the form and discover available funding opportunities. You’ll have no worries about what’s being asked and how to respond.

Since the variables are numerous, it’s very important to know the exact terms of commitment before signing on that dotted line. Don’t be overwhelmed or frustrated. If you have a dream to attend school and become a cosmetologist, there is always a way to avoid obstacles and accomplish your goal. That’s why the Career Planners at Empire are at your service immediately, and will continue to be there to guide you every step of the way.

Lorraine Letcavage

Written by Lorraine Letcavage

Lorraine has been involved with the beauty school industry for over 5 years, having been employed as a copywriter, editor and blog writer for Empire Education Group. Most of her career has been in Education, as she has a passion to learn and share knowledge to benefit others. She has a BA in English and enjoys writing newsletters, marketing material, and informative pieces for various companies and websites. A self-professed beauty product junkie, Lorraine reads about all the latest trends and uses her connections in the salon industry to stay current in cosmetology.


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