Recent changes to Title X of the Higher Education Opportunity Act (HEOA) require that a series of three loan disclosures be provided to the borrower throughout the private loan application process and that the borrower also complete a Private Loan Self-Certification form prior to the loan being disbursed. The purpose of these disclosures is to:

  • Present the terms/cost of the loan in a clear and consistent manner
  • Allow for comparison shopping and re-evaluation of borrowing a private loan during the application process
  • Present lower cost federal options that should be exhausted prior to considering a private loan
  • Reduce overall borrower indebtedness

The borrower of the loan is required to complete the Private Loan Self-Certification form and return it to the Private Loan Lender. Your private loan lender will not disburse your loan funds until they have received your completed form. Below are the instructions on how to obtain the necessary information needed for you to complete the form.

Some lenders might have you complete a private loan self-certification form during the online application process. For your convenience, you may download and complete the form from the provided link.

Carefully Read Each Section of the Form

Section 2: Cost of Attendance and Estimated Financial Assistance

Part A - Student's Cost of Attendance (tuition, room/board, books, and other miscellaneous charges)

  • Available on the or log into CARMELink; see Cost of Attendance

Part B - Estimated Financial Assistance (the estimated amount of financial aid you will receive)

  • Available by logging into CarmeLINK; see Financial Aid Awards

Part C - Difference between Cost of Attendance and Estimated Financial Assistance

  • The difference between your Cost of Attendance and your Estimated Financial Assistance is the maximum amount that you are eligible to apply for in a private loan. If you apply for an amount that is greater you will first need to cancel or reduce an award amount already listed on your award.

Section 3: Applicant Information

  • Complete each part of section 3. Do not leave any section blank.

Section 4: Applicant Signature

  • Sign and Date the Form
  • Contact your private loan lender to see how they prefer you submit this form to them.


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The Department of Veteran Affairs administers a variety of education benefit programs.

These are some of the most commonly used benefits at MCCN:

  • Post 9/11 GI Bill® (Chapter 33), including the Yellow Ribbon Program
  • Montgomery GI Bill® - Active Duty (Chapter 30)
  • Montgomery GI Bill® - Selected Reserve (Chapter 1606)
  • Reserve Educational Assistance Program (Chapter 1607)
  • Survivors’ and Dependents’ Educational Assistance Program (Chapter 35)
  • Vocational Rehabilitation and Employment (Chapter 31)

For a full description of each program and application instructions, visit the GI Bill® website.

How to Apply for Benefits and Financial Aid

After you’ve begun classes, notify MCCN Financial Services if there's a change in the total number of credit hours for which you're registered because this affects your certification.

Your benefits must be certified at the start of each academic year. Complete the Veterans Benefits Certification Request Form every year.

MCCN Certifying Official

MCCN’s VA Certifying Official is the Director of Financial Aid. Please direct your questions and the submission of VA Benefit documentation to:

Director, Financial Aid
Financial Services Suite
Mount Carmel College of Nursing
127 S Davis Ave
Columbus, OH 43222-1504

GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by VA is available at the official U.S. government Web site at

Because international students who wish to study in the United States are not eligible for federal or state financial aid, it's important to research additional sources of funding. Here are a few resources to get you started.

EduPASS! The SmartStudent Guide to Studying in the USA

EduPASS! The SmartStudent Guide to Studying in the USA is a guide for international students interested in studying and living in the United States. It covers a wide range of topics, from college admissions and financial aid to culture shock and clothing sizes.

International Education Financial Aid

International Education Financial Aid is the premier resource for financial aid information for U.S. and international students wishing to study abroad. You can search by country, field of study, and type of funding (scholarship, grant, loan, tuition waiver, fellowships, etc.).

International Student Insurance

International Student Insurance, provider of health insurance for non-U.S. citizens studying in the United States, provides a list of scholarship opportunities available to international students. provides access to loans for non-U.S. students wishing to study in the United States and United States and Canadian citizens studying abroad. International students studying in the United States usually need to have a U.S. citizen cosigner when applying for loans.

Tuition Financing

Flexible financing options can make your education more affordable. Mount Carmel College of Nursing understands this and offers a monthly payment plan as an option for funding your education. With our plan you can pay your College costs on a monthly basis for up to a year with no finance charges or interest. More information is available through the College Business Office.

Mount Carmel College of Nursing Business Office
127 S Davis Ave
Columbus, OH 43222-1598

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Mount College of Nursing offers additional financial planning assistance. This includes payment plans and the administration of Veteran’s benefits.

Additionally, the Financial Services staff is prepared to assist students with basic financial literacy, budgeting, and simple financial planning strategies.