The decision to get an education is one of the best decisions you can ever make. Still, we understand the process can feel stressful, especially when it comes to the financial side of things.

That’s why we have an amazing Financial Aid team in place … experts who can cut through the confusion, guide you through the entire process, and even help you fill out the paperwork.

Remember – in addition to Financial Aid, we have many scholarships available to offset tuition costs.

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Most college students are eligible for Financial Aid. There are many options available:

Federal Pell Grant

Federal Pell Grant provides grant money to students who do not have a bachelor’s degree already. (Note: If you are eligible for a Pell Grant and your parent or guardian was a member of the U.S. Armed forces who died as a result of military service in Iraq or Afghanistan after Sept. 11, 2001, you will receive the maximum Pell Grant for the award year.)

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Federal Direct Subsidized and Unsubsidized Stafford Loan

Federal Direct Subsidized and Unsubsidized Stafford Loan is a loan program available to help students pay for their educational costs. The Subsidized Loan is available to students with financial need, while the Unsubsidized Loan is available in addition to the Subsidized amount and is not based on financial need (That means it is available to most students regardless of family income). Click the link above or stop in to the Financial Services Office to learn more about federal student loans.

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Federal Parent PLUS Loan

Federal Parent PLUS Loan is a loan available to the parent(s) of dependent students. A parent, if their credit is approved, may borrow up to the cost of attendance less other financial aid.

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Aid Programs for Veterans, Military, and Dependents of Disabled/Deceased Veterans

Please visit our Financial Aid Programs for Military and Veterans page for more information on these programs.

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Federal Aid to Native Americans

Federal Aid to Native Americans is available to students who are enrolled members of a federally recognized Indian Tribe, Alaska Natives, or ¼ degree Indian blood descendent of a federally recognized tribe. Most programs are based on financial need and the availability of funds. Eligibility is determined and administered by your tribe and may be awarded in successive years based on satisfactory academic progress. Information and applications are available from the education office of your tribe or from the Office of Public Affairs – Indian Affairs in Washington, D.C.


Create Your FSA ID

The starting point for all federal aid is filing a Free Application for Federal Student Aid (FAFSA). To do that, you will need a Federal Student Aid (FSA) ID. Your FSA ID gives you a username and password to sign the FAFSA. Parents and students need their own FSA IDs. Access the free FSA ID sign-up site here.

Fill Out the FAFSA Form

Go here to complete the online FAFSA. The information you provide will help determine your eligibility for aid.

The online process includes a download of income and tax information directly from the IRS website (for both student and parent income). Be sure to use the IRS Data Retrieval Tool download process to prevent delays. If you do not choose this option, you’ll most likely be chosen for a process called “verification” (see below).

When completing the FAFSA form, list McAllen Careers Institute as your school of choice (Federal School code #12345) to ensure we receive your info in a timely manner.


Some FAFSA applications will be chosen by the U.S. Department of Education for a review process known as “verification.” If your application is selected, you (and your parent if you’re a dependent) will be asked to provide copies of prior year tax transcripts from the IRS, along with other income information. We will let you know if you were selected for verification.

We cannot process any financial aid until all required documentation is submitted and reviewed, so it’s important to submit requested documentation quickly. All documents must be received and reviewed within 30 days of the end of the school year (or student’s last day of attendance for the year, whichever comes first), or any eligibility will be forfeited.

Receive Your SAR Report & Financial Aid Offer

After filing your FAFSA you will receive an electronic Student Aid Report (SAR). This report is a summary of the info provided on your application. Please review it for accuracy. If needed, you can make corrections through the website.

Your SAR will also list your expected family contribution (EFC). This is the amount, based on the federal formula, that you and your family (if applicable) may be expected to contribute toward the Cost of Attendance (COA).

The Financial Aid Office will then prepare a financial aid package for you based on your eligibility. This info will be provided to you in a financial aid offer.

You can also discuss timing of your financial aid payments, billing procedures and alternative financing options with the Financial Aid Office.


If financial aid and scholarships are not enough to cover your costs, McAllen Careers Institute offers a variety of plans to help you finance any remaining balance. Whether you choose the in-school or long-term payment options, or a combination of both, we can help find a solution that works best for you.

In-School Payment Plan

Make monthly payments across the school year for any remaining balance after other forms of financial assistance are considered.

Long-Term Financing

We also offer an institutional loan (through a third-party servicer), which allows for a maximum term of 60 months. Interest rates are determined by credit analysis.