Financial Aid

Paying for college can be one of the biggest challenges for most students. Charles of Italy Beauty College’s Financial Aid Professionals are available to help guide students through all aspects of financial planning, including applying for Financial Aid, Budgeting, and Repayment. Financial aid is available to those who qualify through Title IV HEA programs. Eligibility is determined by filling out a Free Application for Federal Student Aid. Student must have an eligible pin number before they can apply.

Please call our Financial Aid Office for assistance: Lake Havasu Campus- (928) 453-6666 Bullhead Campus (928) 704-4247.

Download Our Financial Aid Guide for Step-By-Step Instructions

Apply for a Pin Number (Link to

Apply for Financial Aid (Link to

Visit to manage student loans, complete entrance counseling, and sign master promissory notes.

Please utilize our NET PRICE CALCULATOR to estimate your total cost of school.


Applying for Federal Student Aid 2021-2022

This information will assist you with the application process for Federal Student Aid.

STEP 1: Determining your Dependency Status
The Federal government has established how your dependency status will be determined for Federal Student Aid purposes.

If a student is considered to be a dependent, his or her parent’s income and asset information must be included on the FAFSA. This information will be used in addition to the student’s income and asset information to determine the EFC (expected family contribution).

The following questions will determine if you are an independent or dependent student.

1. Were you born before January 1, 1998?
2. As of July 1, 2021, will you be working on a master’s or doctorate program (such as an MA, MD, JD, PhD, or graduate certificate etc.)?
3. As of today are you married (answer yes even if you are separated but not yet divorced)?
4. Do you have children who receive more than half of their support from you?
5. Do you have dependents other than your children or spouse who lives with you and receives more than half of their support from you, now and through June 30, 2022?
6. Are both of your parents deceased OR are you or were you a ward of the court until age 18?
7. Are you currently serving on active duty in the U.S. armed forces for purposes other than training?
8. Are you a veteran of the U.S. armed forces?

If you answered YES to ANY of these questions, you are independent and do not need to include your parent’s financial information on the FAFSA.

If you answered NO to ALL of these questions, you are dependent and must include your parent’s information on the FAFSA.

STEP 2: Apply for a U.S. Department of Education PIN
If you do not already have a PIN (personal identification number) go to and follow the on-screen instructions. If you are a dependent student both you and one of your parents will need a PIN.

CONFIDENTIAL: Student PIN: _________________________________

Your PIN serves as your electronic signature and provides access to your personal information so you should never give your PIN to anyone. Be sure to keep your PIN in a safe place.

STEP 3: Complete the Paper FAFSA
Collect your financial documents and complete the FAFSA by going to Click “Start FAFSA” and enter your personal information and PIN number. You will be completing a FAFSA for the 2021-2022 school year. Follow the on-screen directions.

If you have already completed a 2021-2022 FAFSA at or for another school, using your PIN, please go to www.studentaid.govand click on “Add School Code”. Add the Federal school code for the school you are currently enrolled in. Charles of Italy Beauty College School Code is 016098.

Make sure that you tell the Financial Aid Representative that you have completed the FAFSA elsewhere and that you have made the correction to add the new Federal school code.

STEP 4: Financial Aid Appointment
Take with you to your financial aid appointment one of the following items:
1. The completed paper application.
2. The SAR that you received in the mail from the U.S. Department of Education
3. The confirmation page if you completed the FAFSA yourself online.

The Financial Aid Representative will then enter the FAFSA into FAA Access and print signature pages for you to sign and a confirmation page with your EFC on it and/or they will call the Financial Aid Servicing Center and put you on the phone with a Financial Aid Specialist who will complete the process and create an “Estimated Financial Plan” for you based on your EFC. This Estimated Financial Plan will then be reviewed with you.

STEP 5: Loan Entrance Counseling
When you are borrowing from the Federal Direct Loan Program, you are required to participate in loan counseling prior to receiving a Federal Direct Loan. This is to ensure that you understand your rights, your responsibilities and the obligation you are assuming when borrowing. Go to and complete the Entrance Counseling using your personal information and PIN. Follow the on-screen directions. Print a copy of your confirmation when complete.

STEP 6: Completing the EMPN
If you are a first time borrower of the Federal Direct Stafford Loan, you are required to complete a Master Promissory Note (MPN) before the loan funds can be disbursed. You can complete and sign your Federal Direct Stafford Loan MPN and Complete Master Promissory Note using your personal information and PIN. Print a copy of the signed MPN when complete.

STEP 7: Completing the PLUS EMPN(parent)
Parents of dependent students who are taking out a loan to pay for their child’s education should complete a new MPN for Parent PLUS Loans. You can complete and sign your Federal Direct PLUS Loan MPN at using your PIN by selecting the Complete New MPN for Parent PLUS Loan option.

If you require additional assistance completing these steps please contact the Financial Aid Representative at your school. Not all programs are offered at each campus, please check with Charles of Italy Beauty College’s Program Guide for a list of programs for each campus.