AOMA Graduate School of Integrative Medicine



Borrower Based Academic Year (BBAY)

AOMA's financial aid cycle follows a three-term, borrower based academic year (BBAY), which is 30 (or more) weeks in length. Every three terms from the date of their enrollment, students are required to recertify (reapply) for student loans.

Expected Family Contribution (EFC)

The EFC is a measure of how much an independent student can be expected to contribute to the cost of his/her education. The EFC is calculated according to a specific formula and is based on information submitted by the student on the Free Application for Federal Student Aid (FAFSA). The EFC will change annually, based on income earned in the previous year.  The EFC determines a student’s eligibility for need-based financial aid, like Direct Subsidized Loans and federal Work Study.

Graduate Student Status

AOMA offers one single degree program, a Master’s degree in acupuncture and Oriental Medicine. All students admitted to and enrolled at AOMA have completed at least 90 semester credits of undergraduate coursework and are pursuing a graduate degree. Therefore, all AOMA students are graduate students, and are considered "independent students" for the purpose of financial aid eligibility. All AOMA students are eligible for graduate student loan limits.