Financial Aid 

Current state:  Publicly Viewable on our website https://emsacademy.biz/t-Student-Financial-Aid-Program.aspx

Office Hours: Monday through Friday 9:00 am to 5:00 pm

Administrative location:  864 Plain Street, Suite 2, Marshfield, MA 02050

Contact: (781) 834-6911, Lori A. Joyce, email: [email protected]  

Financial aid is available from a variety of sources and awarded to applicants whose demonstrated financial need is less than the cost of education.  EMS Academy has financial aid programs that includes a flexible tuition payment plan.

Pre-Approved - Tuition Financing Flexible Tuition Payment Plan Agreement:

  1.  EMS Academy offers this option to students as a courtesy. Credit checks ARE NOT required to qualify for Tuition Financing.
  2. I understand that by applying for financing, I agree to all the following conditions:
    • a. A payment of $ 250.00 must accompany your application.
    • b. A payment of $ 650.00 is due the first night of class. Total payments received by the first night of class should equal $ 900.00.
    • c. The second payment of $ 250.00 is due on first night of week two.
    • d. The third and final payment of $250.00 is due on the first night of week three.
    • e. Financing fee of $50.00 is in addition to the regular (non-financed) tuition may be applied if at any point a student is in default and late with weekly payments.
    • f. Delinquent finance payments will result in holding of class grades until payment is made and students are not permitted to graduate.
    • g. If I fail to make tuition payments, I will pay all EMS Academy-associated costs incurred in the effort to collect the tuition (including but not limited to bank fees, court costs, attorney fees, lost wages, etc.), whether course was completed or not.

Financial Aid Policy and Procedure:

Financial Aid with a flexible tuition payment plan is available for our students who qualify, to assist in financing educational expenses at EMS Academy.  EMS Academy is committed to meeting 100% of the full demonstrated financial need of every admitted student, regardless of citizenship or immigration status. 

Full details of EMS Academy’s financial aid programs can be found on the website at https://emsacademy.biz/t-Student-Financial-Aid-Program.aspx

EMS Academy grants financial aid only in cases of demonstrated financial need. Students’ financial needs are calculated by subtracting from estimated academic year expenses an amount that they and their families may reasonably be expected to supply.

Academic year expenses include tuition, allowances for books, personal expenses, and transportation. The family contribution is computed in accordance with the need analysis procedures of EMS Academy and amended in individual cases by EMS Academy policy.  Outside scholarship awards and tuition benefits from parents’ employers will be used first to reduce the tuition portion of a financial aid award.

Students have no loan included in their flexible tuition payment plan or financial aid awards. Students with financial need may borrow long-term, low-interest, subsidized student loans to replace a shortfall in savings, to substitute for student employment in a financial aid award, or to purchase a personal computer.

Satisfactory Academic Progress:

Satisfactory Academic Progress is a measure of progress toward the completion of a student’s course of study according to EMS Academy standards and required by state regulations.  Students must meet these standards to maintain eligibility for financial aid.  These standards apply to all federal financial assistance programs and to all students.  If you have any questions or concerns, feel free to contact the director of financial aid stated above.

Applying for Financial Aid:

Early Decision Applicants. Early Decision applicants who submit their financial aid application materials on time will receive a preliminary financial aid award soon after getting a letter of admission. This award will be confirmed later, after the cost of attendance for the coming year has been set.

Early Decision Winter Courses:  November 1

Early Decision Spring Courses:  January 1

Early Decision Summer Courses:  March 1

Early Decision Fall Courses:  July 1

Military Students – Veterans and Active Duty:

In accordance with Section 103 of The Veterans Benefits and Transition Act of 2018:

EMS Academy permits any Covered Individual*  to attend or participate in the course of education during the period beginning on the date on which the individual provides to the educational institution a certificate of eligibility for entitlement to educational assistance under chapter 31, Vocational Rehabilitation and Employment, or chapter 33, Post-9/11 GI Bill® benefits, (a "certificate of eligibility" can also include a "Statement of Benefits" obtained from the Department of Veterans Affairs' (VA) website - eBenefits, or a VAF 28-1905 form for chapter 31 authorization purposes) and ending on the earlier of the following dates:

  •  The date on which payment from VA is made to the institution.
  • 90 days after the date the institution certified tuition and fees following the receipt of the certificate of eligibility.

*A covered individual is any individual who is entitled to educational assistance under chapter 31, Vocational Rehabilitation and Employment, or chapter 33, Post-9/11 GI Bill® benefits.

EMS Academy does not penalize Chapter 31 or 33 students if/when the VA is late making payments.  EMS Academy does not have any policies in place that would do any of the following while waiting for VA payments:

  • Prevent enrolling
  • Assessing a late penalty fee
  • Requiring altrnative or additional sources of funding
  • Denies access to school resources

In order to prevent outstanding student accounts, Chapter 31 or 33 students must:

  • Submit a COE or Statement of Benefits by the first day of classes
  • Submit a written request to be certified
  • Provide any additional information needed for certification

Students entitled to educational assistance under chapter 31, Vocational Rehabilitation and Employment, or chapter 33, Post-9/11 GI Bill® benefits by the VA will not have financial aid or Registration holds placed upon their accounts if they are unable to meet their financial obligations to EMS Academy due to the delayed disbursement funding from VA under chapter 31 or 33 .

  • U.S. Military-Connected Applicants. As part of the Veterans Benefits and Transition Act of 2018, 38 USC 3679(e), an individual attending EMS Academy, who is entitled and plans to use educational assistance, must provide a certificate of eligibility for entitlement under chapter 31 or 33 (a “certificate of eligibility” can also include a “Statement of Benefits” obtained from the Department of Veterans Affairs’ (VA) website – eBenefits, or a VAF 28-1905 form for chapter 31 authorization purposes).
  • No late fees, denial of access to classes or EMS Academy facilities, requirement to borrow funds, or other penalties will be imposed upon students for whom the VA is delayed in disbursing educational assistance. These students will be permitted to attend or participate in a course of education during the period beginning on the date on which the student provides to EMS Academy a certificate of eligibility for entitlement to educational assistance under chapter 31 or 33, and ending on the earlier of the following dates:
  •  The date on which payment from VA is made to the institution.
  • 90 days after the date the institution certified tuition and fees following the receipt of the certificate of eligibility.

The period of eligibility will begin after the certificate is provided. The end date must be the earlier of the date on which payment from VA is made to, or 90 days after the date EMS Academy certified tuition and fees following the receipt of the certificate of eligibility.

Delayed disbursement of funding from the VA under chapter 31 or 33, will not cause any late fees, the denial of access to classes, libraries, or other EMS Academy facilities, or the requirement that a covered individual borrow additional funds to meet his or her financial obligations to EMS Academy. Students are responsible for the difference between the amount of the balance due and the amount of the VA educational benefit disbursement.

EMS Academy’s billing policy will adhere to the requirements of and comply with S2248 PL 115-407 Section 103.

As an alternative to using VA Benefits, U.S. military-connected applicants may apply for EMS Academy need-based financial aid.

Additional information is also available from EMS Academy’s website, located underneath the Resources Page > Financial Aid > Veterans Financial Aid https://www.va.gov/education/how-to-apply/

Questions about the financial aid policy of EMS Academy should be directed to the Administrative Office, Director, Lori A. Joyce, 864 Plain Street, Suite 2, Marshfield, MA 02050 (781) 834-6911 or email [email protected]

Campus locations:

EMS Academy, 864 Plain Street, Suite 2, Marshfield, MA 02050

Cambridge College, 500 Rutherford Avenue, Boston, MA 02129

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 https://www.benefits.va.gov/gibill.

For all students, upon completion of the EMT program, if tuition has not been paid, they will not have fulfilled the requirements for successful course completion which they will be ineligible for the state practical and national written exams until all tuition & fees have been paid in full.