ATOM Financial Aid
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ATOM Financial Aid Options
Financial Aid
Federal Direct Unsubsidized Loans
Federal Direct Unsubsidized Loans are the primary form of federal aid available to graduate students. Direct Unsubsidized Loans accrue interest during the grace period and during periods of deferment, and the borrower is responsible for paying this interest. Payments on Direct Unsubsidized Loans may be deferred while the borrower is enrolled in an eligible program at least half-time (six credits); however, the interest on deferred Direct Unsubsidized Loans will be capitalized (added to the principal balance). Repayment of Direct Unsubsidized Loans begins at the end of the grace period. Direct Unsubsidized Loans are non-need-based loans and most borrowers qualify for them.
Interest Rates and Origination Fees
Direct Loan Interest Rates and Origination Fees
Federal Direct Student Loans 2025-2026 Interest Rates Effective for Loans First Disbursed on or after July 1, 2025 and prior to July 1, 2026.
Financial Aid Office Hours
9:00 a.m. – 3:00 p.m. (Monday-Friday)
Contact Information
Location
100 E. Broward Blvd., Suite 100
Fort Lauderdale, FL 33301
Loan Type
Borrower Type
Fixed Interest Rate
Direct Subsidized Loans
Undergraduate Students
6.39%
Direct Unsubsidized Loans
Undergraduate Students
6.39%
Direct Unsubsidized Loans
Graduate/Professional Students
7.94%
Direct PLUS Loans
Parents of Dependent Undergraduate Students and Graduate/Professional Students
8.94%
For any loan disbursement for a loan where the first disbursement is/will be…
The origination fee percentage for Direct Subsidized and Direct
The origination fee percentage for Direct PLUS Loans is…
On or after 10/1/2020 and before 10/1/2026
1.057%
4.228%
On or after 10/1/2019 and before 10/1/2020
1.059%
4.236%
Loan Limits for Graduate/Professional Degree Students
Graduate students cannot borrow federal funds in excess of the amounts outlined below. Contact the ATOM Financial Aid Office with questions regarding your eligibility.
Time Period
Maximum Loan Amount
Academic Year (two terms for Masters Program and 3 terms for DAOM Program at ATOM)
$20,500 Direct Unsubsidized loans (if eligible)
Aggregate Loan Limit (Maximum total debt from Direct Loans)
$138,500 for graduate or professional students-No more than $65,500 of this amount may be in subsidized loans. The graduate aggregate limit includes all federal loans received for undergraduate study.
* Please note that, effective July 1, 2012, the federal government no longer offers subsidized loans for graduate/professional degree students.
On July 4, 2025, President Trump signed the Big Beautiful Bill into law, bringing sweeping changes to federal financial aid. Key reforms include the elimination of new Grad PLUS and setting new borrowing limits for graduate students, effective July 1, 2026. U.S. Department of Education
Direct PLUS Loan Limits
The amount a student may borrow in Direct PLUS Loans is determined by taking the difference between the student’s Cost of Attendance and any other financial aid the student receives (e.g. Scholarships and Direct Unsubsidized Loans), as explained below.
Cost of Attendance
The cost of attendance (COA) is the average amount of money needed to cover costs related to attending ATOM for one academic year (two terms). This cost includes tuition and fees, books, and supplies, living expenses, transportation, and other miscellaneous expenses.
Estimates of living expenses are updated annually, and are drawn from US Census Bureau estimates of cost of living in Fort Lauderdale, FL. The cost of tuition is based on the average enrollment of students enrolled full-time in ATOM’s Master’s program.
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ORIENTAL MEDICINE
100 E. Broward Blvd., Suite 100,
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ACAHM does not accredit any programs at the undergraduate/bachelor level.
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