Career loans are designed to help you attend a study program of your choice with a nominated training provider. These loans can be used to pay for your tuition, accommodation, and other living expenses. Once approved you make a down payment when enrolling. The loan is then used to cover the balance of the training cost. You may also be able to obtain additional cash to help pay for other living expenses while in training.

At ATS Heavy Equipment Training Schools there are several financing options. Each school in our network has relationships with national lending institutions which offer loans to our students. You can fill out an application through our financing page.

Alternatively, USA Finance may make a loan to an individual for tuition and in-school housing. You makes a down payment upon starting class and the balance of tuition and housing can be financed. The down payment amount is determined after the USA Finance Credit Application is received and reviewed.

As with all finance, your credit record will play an important role in qualifying for financing. Students with a negative credit records should get co-signers with good credit.

ATSN can guarantee you financing if you are unable to secure financing through the standard processes. In case you are not aware, the standard financing streams are:

State & Federal Grants

You may be eligible for financing through a number of State of Federal options:

• Workforce Investment Act (WIA) – Department of Workforce Development
• Trade Adjustment Act (TAA) – Displaced Workers
• Displaced Farmers – Vocational Rehabilitation
• Tribal Education (BIA) – Veteran’s Benefi ts (VA)

Career Loans

• Loan Option 1: Each School in the network has relationships with national lending institutions which offer loans to our students. The School can recommend a lender if requested.
• Loan Option 2: USA Finance may make a loan to an individual for tuition and in-school housing. The student makes a down payment upon starting class and the balance of tuition and housing can be financed. The down payment amount is determined after the USA Finance Credit Application is received and reviewed.
• Loan Option 3:Many national banks offer “Career Loans” to their customers. Students should talk with their local bank about a “Career Education” loan.

GUARANTEED FINANCING

If you have not been successful in obtaining financing through any of the above streams then perhaps our guaranteed financing option could be considered.

Guaranteed: Up To 50% of Your Tuition in Financing

All you need to do is come up with half of your tuition. Call our admissions counselors at 1.800.678.8120 as this is a time limited offer.

This may give you the opportunity you need to get started in some of America’s best paying skilled trades – heavy equipment operation and truck driving.

Wages for construction workers are varied depending on where you are working, who you are working for and what sort of conditions you are working under. The following figures are 2006 statistics and, unless otherwise stated, represent the medium pay scale.

• Operating engineers and other construction equipment operators $17.74.
• The middle 50 percent earned between $13.89 and $23.98.
• The lowest 10 percent earned less than $11.54, and the
• Highest 10 percent earned more than $30.83.

• Paving, surfacing, and tamping equipment operators $15.05
• The middle 50 percent earned between $11.98 and $19.71.
• The lowest 10 percent earned less than $9.97, and the
• Highest 10 percent earned more than $25.30.

• Piledriver operators were $22.20.
• The middle 50 percent earned between $16.31 and $31.65.
• The lowest 10 percent earned less than $12.83, and the
• Highest 10 percent earned more than $37.28.

These are generalized of course and should only be used as a guides to expected returns.

Do you have all of your financial aid papers ready for your classes? Sometimes the process of getting financial aid can drag on, and that could mean missing classes and not getting started in time. Make sure that you have all of your paper work filled out and also have the correct school code on your paper work.

You can fill out your financial aid papers either online or have them sent to you through regular postal mail. Our certification programs are full time, so that means you will need to fill out the information on your financial aid papers stating that you are full time. When you attend our programs, you are involved with a nationally recognized program that is accredited by the National Center for Construction Education and Research or NCCER. Every single level is scheduled throughout the week from Monday through Friday. The first level will provide you with introduction to the heavy equipment industry. You will also learn how to operate basic heavy equipment. This first level is required for any student that needs to proceed to levels two and three programs.

The second level is designed to help you build upon the first level. It introduces additional equipment and training. It allows you more opportunities in your industry for business and employment. The third level contains instructions on using motor graders, excavators and advanced real world project planning. When you graduate from these programs you’ll be nationally certified and ready to go.

So that is why it is important that you have all of your financial aid already in order and in place. If you have any questions about your financial aid, feel free to call us and we can help you.

Financial aid is something that people need to think carefully about. When it comes to credit and borrowing, there are worthy and unworthy causes. Buying a house is a worthy cause. The value of the land tends to appreciate and it is an asset that can be resold, often with profit. Buying a car with financial aid is questionable in most situations. Unless the vehicle is actually enabling you to earn an income, it is hard to argue that a vehicle is an asset. Cars depreciate markedly in a very short amount of time, they cost money to run. If you sell them after you have bought them, they invariably lose money; in some cases a lot of money. One might argue that if you are borrowing money for something that appreciates in value, it is a credit worthy cause. If you are borrowing money for something that depreciates, it is not. Where does education and training fall?

Education is Credit Worthy

If you are looking for a way to earn a greater income and better your life then some sort of training is usually the best way to go about it. It can be difficult to break into a new career without training. While some construction companies will provide heavy equipment training to workers, it is only in exceptional circumstances that this happens. Realistically, the average unskilled worker stands very little chance of being handed a break. That doesn’t matter, because you can make your own chances. You just need to get the training.

How to value education.
How can you put a value on an education? Actually, it is very easy. You take the course that you are doing and look at the cost. For the purposes of simplicity, lets say the course costs $2,000. So the value of the course is $2,000, right? Wrong, the value of the course is not $2,000. A course alone is worth nothing. Once you have taken the course you cannot sell it. The value of the course that you take is the amount over and above your present salary that you will earn. Let’s say that the course allows you to earn an extra $200 a week, multiply that by the fifty-two weeks of the year and you get $10,400. Are you going to stop working after one year? Probably not, so you multiply that $10,400 by the years that you are going to work and you have something that falls short of the actual value, but a fairly substantial figure that is a lot higher than the original $2,000 that you spent. Education is credit worthy and is worth the expense of financial aid.

The fact is that training changes lives. Paying for the financial aid that you received can be a bit of a strain on the finances, but you will be able to earn more money and that will make the expense easier to cover. The thing that you have to think about when it comes to getting financial aid is, can I afford the repayments now? This question is absolutely crucial. If your answer is, “no,” then you should not get financial aid. If your answer is, “yes,” then you should go for it.

If you answered no, then you really need to start addressing some of the expenses in your life, figure out what you can cut out and do the math again. If you are a smoker you might want to consider giving up smoking. Look for ways that you can save a significant amount of money each week or each month and do it. Save a bit of money and then reconsider the option of financial aid.

At Associated Training Services we offer financial aid for our programs. In order to qualify for financial aid you will need a good credit record. If your credit record is poor then it is still possible to receive financial aid if you can produce a guarantor; feel free to contact us if you have any questions.

If the cost of heavy equipment training has put you off taking steps towards a heavy equipment career, maybe financial aid can help. Here at Associated Training Services we know that heavy equipment training can be difficult to afford. There really is no way around the price. Heavy equipment is expensive to purchase and maintain. So why do people bother training at all? The answer to that is simple, to get paid more and to have a more stable job. You will earn more as a heavy equipment operator and that makes the training cost financially worth your while. Many people see the value of training and understand that the costs will be quickly recouped. They just have trouble coming up with enough money to get started. That is where financial aid comes into play.

At Associated Training Services we provide financial aid to qualified applicants. We do so because we know that in some cases, lack of money is all that prevents some people from moving into a rewarding career in heavy equipment. If you want to receive financial aid from Associated Training Services, you will need a good credit rating or a guarantor for your loan. If you are uncertain whether you qualify for financial aid, contact us, it never hurts to ask.

Financial aid is something that people really need to take care about. There are people that would argue that it is best to avoid financial aid whenever possible. Many people overburden themselves with debt, the sub-prime mortgage fiasco has taught us that much. Financial aid becomes a problem when you borrow money to purchase something that loses value. In the sub-prime mortgage situation, people found that housing values fell after they had purchased their properties. Therefore, when they ran into repayment problems, they were unable to recoup their losses by selling their properties. It is a larger scale version of what happens to many people when they borrow inordinately large sums of money to purchase a motor vehicle.

If you are considering financial aid, you need to be sure that you are making a smart purchase. What is a smart purchase? A smart purchase is something that is going to maintain or gain value. Property can be a smart investment if you understand the market, so to can education. Can you sell education to recoup your losses? Of course you can’t, but great training can see you earning more money than you were able to earn without training. In this way, training has a tangible value and is worthy of financial aid. The sooner you complete the training, the sooner you can earn higher wages. Here at Associated Training Services, we offer financial aid because we realize that it can help people make a better life for themselves. If you believe that you might be in need of financial aid, please do not hesitate to contact us.

Getting financial aid can literally mean the difference between subsistence living and an exciting, rewarding career. Heavy equipment training can be expensive; we make no secret of that. The reason why heavy equipment training costs what it does is that the equipment costs a lot to purchase and maintain. We like to have experienced professional instructors to provide high quality instruction. We keep our prices as affordable as possible but we are realistic. Many people find it hard to afford training. The reason why people find it difficult to afford heavy equipment training has more to do with the fact that their income provides them with very little to spare than the actual cost of training. It is hard to save money when you are literally living from paycheck to paycheck. This is where financial aid comes in.

We offer financial aid because we realize that sometimes people need a little help to get started. Our financial aid is available to approved customers. You will need a good credit rating to get financial aid from Associated Training Services. If you have a bad credit rating then you may still be able to get financial aid if you are able to supply a guarantor. Failing finding a guarantor, we might be able to explore other options or to direct you to other sources of financial aid. If you are having problems finding the money to start training, don’t let that stop you, contact us at Associated Training Services, we just might be able to help.

If you are locked in an unskilled profession, you might find it hard to make ends meet. If you want to find yourself a better job, you will need training of some kind. Training costs money and finding enough money to pay for a training course upfront can be hard for most people. That is where financial aid can be extremely useful.

Financial aid is a great way to get your training started. It makes perfect sense to use financial aid for education and training. Once you graduate from your training course, you will be able to demand higher wages and make your repayments more easily. As long as you are able to find the money for repayments now, you are in a win-win position.

At Associated Training Services we offer financial aid because we are well aware that it can be difficult for some people to produce their fees upfront. We aim to help people find valuable, rewarding careers and financial aid is a simple way for us to help. As long as you have a good credit rating, you are likely to qualify for financial aid. If you don’t have a good credit rating, a guarantor may be able to help you secure your loan.

If you have any questions relating to financial aid, do not hesitate to contact us at Associated Training Services.

If you are looking to get your career started this New Year, maybe we can help. Financial aid has been successful in getting countless Americans educated and into better jobs. We offer a financial aid program here at Associated Training Services because we realize sometimes that is what it takes for people to take that difficult step.

Our financial aid program requires that you have an acceptable credit rating or a guarantor. If you don’t have a good credit rating and can’t get a guarantor, you might be able to apply for a state grant. We offer both an intensive training program and a part time program to help fit in with your busy work schedule. That way you can choose the course that is best for your financial and employment situation. We have designed our programs so that they are not an overwhelming burden. Professional instructors and heavy equipment do cost money, but you might be surprised at how affordable our training is.

If you are seriously considering training here at Associated Training Services, then financial aid might be useful. If you are interested in learning more about our financial aid program, please contact us today.