Tufts encourages eligible employees, their spouse or domestic partner, and eligible dependents to take advantage of the Tuition Remission Program to discover new worlds and new perspectives. Tuition reimbursement is a benefit some employers offer in which the employer agrees to pay for a certain amount of the employee's tuition. Remission of tuition means that the cost of tuition has been waived by the University for its employee or dependent. Press J to jump to the feed. Yearly performance also factors into it; If I'm not doing well at my year-end review, they're not going to continue to pay for my school. Be actively employed as a full-time benefits-eligible staff employee 2. Tuition Remission Information . Having 2 people reimburse you for the same thing. I am currently taking advantage of my employer's offer of tuition reimbursement for employees wanting to earn a master's degree. Tuition remission forms for 2014 will not be accepted after Dec. 15. How can i determine what is the appropriate tax rate for tuition reimbursement above the $5250 tax free limit? B. âPâ or âSâ grade for courses taken on a pass-fail basis is considered the equivalent of a âCâ grade. How did you learn of your employer reimbursement opportunity? For graduate courses, it is considered taxable income to you and the university will withhold these taxes from your paycheck. F. Tuition Reimbursement: repaying a full-time regular Eligible Employee for certain tuition costs under certain circumstances as described in this policy. In my case, I had to have my manager write a letter of recommendation to his manager, who then recommended me for the program. Is there any paperwork both parties would need to see/sign that would give you away? 2. I didn't really consider it when I started (since I had just gotten a BS and hadn't thought of an MS) and if I knew of such a thing, it didn't factor into my job hunt. My job specifically states that their reimbursement is based on the amount paid by the student after any other forms of awards are given. I'm paranoid about even some of the required materials I've expenses for course in the past. I'm not sure of the level of detail each party is provided with, so it's hard to say for sure. (Half-time generally means a regularly scheduled teaching load of at least three courses per academic year. For spouses and dependent children: Tuition remission used by your spouse and/or dependent children for undergraduate courses is tax-free. Exempt or Non-Exempt Employees regularly scheduled to work 17.5 hours or more a week. If my wifeâs employer has a tuition reimbursement benefit for our twin college-attending daughters (50% of just Tuition; not Room or Board), does that also consider the first $5250 as tax exempt? Tuition Reimbursement. The remission will probably kick in before you have to pay for the class, so you would have no proof of payment for the course. Tuition Benefit Policy for Employees in the Executive Branch and Constitutional Offices Issued by the Human Resources Division Updated June 13, 2017 1. Contingent II employees are eligible for tuition remission at BSU. Approval is subject to the terms of the Staff Employee Tuition Reimbursement Benefit Program. I'm not sure how much paperwork they share. Your tuition remission would fall under that. Introduction The Commonwealth of Massachusetts' primary educational offering is a Tuition Benefit* Program available to eligible state employees and their spouses. It's an excellent job perk and if you change roles/move to another company later on, it'll help you on your resume. (Also, I'm saying that I retain ownership of all copyrights and there are no IP issues from this.) THIS SECTION FOR EMPLOYEE OR RETIREE ACADEMIC: Course CRN Course ID e.g. Tuition reimbursement is a contractual agreement between an employer and employee in which a company agrees to help pay for an employee to further his or her education. For eligibility or taxation questions contact TSS Tufts Support Services by email or call 617-627-7000. Companies offer these programs to encourage employee loyalty and to help their employees receive the training needed to better perform their jobs. For classes that are available at a University System of Maryland institution, please refer instead to the information about Tuition Remission. You can use this program to further your career, pursue a degree or certificate program, or simply take a course you've always wanted to take at Tufts. To some, itâs a way to promote the schoolâs mission of inclusion. Tuition remission benefits for eligible employees, qualifying spouses, or qualifying dependent children at an undergraduate level are not taxable. :). 2. The form must be accompanied by: Requests for reimbursement will be processed and returned to the employee within a reasonable processing time. Each one paid for what was effectively the same work. The date of the actual reimbursement will determine the fiscal year to be affected. Tuition Reimbursement (non-Tufts courses), Tuition Reimbursement Plan Guidelines (PDF), Tuition Remission Program Guidelines (PDF), Tuition Program Taxation Guidelines (PDF), Be actively employed as a full-time benefits-eligible staff employee, Have completed one year of full-time service before the course begins, Regular courses taken for credit at accredited schools, colleges or universities, Courses credited toward a high school diploma or equivalency certificate, Correspondence, university extension, or continuing education courses, Courses at certain non-accredited institutions provided they are widely recognized in their field and grant degrees or certifications indicating satisfactory completion, Review courses and examinations for initial trade or professional license or certifications, Attach an official course description from the school website/brochure/catalog, Attach verification of the tuition cost (per credit hour or per course – fees not covered) from the school's website, brochure or catalog, Proof of payment of tuition charges (i.e. Basically I pay for tuition out of pocket, pass the class, and submit my receipts and transcript. Educational institutions can offer tuition remission as a benefit for employees. My job specifically states that their reimbursement is based on the amount paid by the student after any other forms of awards are given. Graduate courses for spouses are taxable to the employee. Please don’t forget to logout if you are using public computer. Since they are different processes, weâre happy to help explain! The CIC Tuition Exchange Program (CIC-TEP) is a network of CIC colleges and universities willing to accept, tuition-free, students from families of full-time employees of other CIC-TEP institutions. Tuition remission is an uncommon but practical way of paying for tertiary education. Whatever the name, tuition remission provides a waiver of some or all tuition charges. Master's level credit courses within the Faculty of Extension will be considered eligible for tuition remission; Faculty of Extension's non-credit courses and programs (seminars, certificates, diplomas) do not qualify. A qualified tuition reduction means that the educational organization pays some or all the tuition for the employee. This benefit is available to dependent children of full-time, active, regular benefits-eligible employees, and the dependent children of the employee’s spouse/domestic partner, who have been employed for at least five (5) consecutive years as full-time benefits-eligible employees as of the first day of the semester applied for. The tuition credit for UMass Online courses is 50%. Are you allowed to apply both, basically making a profit on going to school? The subreddit for discussion related to college. This just makes me more confused why they've taxed the tuition reimbursement at close to 50% which they stated is according to IRS regulations. Thanks, very helpful link. No admissions questions, cheating, memes, or illegal behavior/piracy. This is restricted access content. As far as my employer reimbursement program, most tech companies will have something like this. Tuition remission may be called financial aid, compensation or a fringe benefit. I charge them the same $x, even though really the work I was doing was already going to happen from the first contract. Graduate courses for employees are excluded from taxation if the course is considered job-related to your current position. student account statement of tuition charges and payments from the institution, copy of a canceled check, credit card receipt), Proof of Satisfactory Course Completion indicating that you Satisfactory have achieved a passing grade or course certificate. The employee must submit a request for reimbursement to the Office of Human Resources and include a copy of the receipt for tuition paid and attest the spouse or dependent child: Received tuition remission in the amount of fifty percent ( 50%) of tuition, Was not eligible for and did not receive any financial aid, except loans, Tuition assistance will be provided only for courses completed with a grade of âCâ or better. Miner in College Life; Tags: College Life While many jobs already require some kind of postsecondary education, the demand for college degrees in the workplace is increasing. Tuition remission policies are dependent on the college and can range from 50% to 100% discount on course fees. Was it once you were already working there or did you look for a job specifically to pay for tuition? Not taking the latter seems like one would be shortchanging themselves. If you find a job that provides "furthering education" programs, absolutely take advantage of it as soon as you are allowed. Refer to your specific school’s faculty handbook for details. Ie, both are saying "in compensation for your work, we will pay you this salary and then up to this much in tuition assistance." Withdraw by either the fee refund deadline or the withdrawal deadline, and pay the tuition owing within 15 days (non-instructional fees should have already been paid), the employee continues to have access to courses through the Tuition Remission â¦ For the 2018 tax year, the limit is $5,250. In order to qualify for a tax exemption, you must complete and submit the Tax Exclusion Form. Please see the Tuition Program Taxation Guidelines (PDF) for deadline information on the Tuition Remission Tax Exclusion Form and additional information about federal and state taxes that affect this benefit. Additionally, you probably have to prove you paid for the class (or at least took student loans). Tuition reimbursement programs are usually â¦ If you are eligible, the university will reimburse 100% of approved tuition costs up to a maximum of $4,000 in a fiscal year (July 1 to June 30) for qualifying, job-related courses. Applicants must be admissible to desired institutions and program. After processing is complete, reimbursement will be included in the employee’s paycheck. From employers point of view, I paid and they're refunding. And absolutely not worth getting caught. But that does sound sketchy. Tufts offers two programs to assist with continuing education for benefits-eligible staff and their families: The university's Employee Tuition Reimbursement Program enables full-time staff to maintain or improve the skills they need to perform their jobs. If you are seeking a tax exclusion for a graduate-level, job-related course. According to Internal Revenue Service guidelines, employer-provided tuition remission and educational assistance is taxable in the following cases and the Payroll Office will withhold employment taxes: The maximum reimbursement per fiscal year (July 1 through June 30) is $4,000.00. Benefits for you begin on the first day of the semester on or following your date of hire. It also has to be in a related field to your work and you have to maintain a certain GPA. Update: Read about temporary changes to the Tuition Support Program effective April 30, 2020 Applies to: Regular full-time and part-time (50% or more) staff members with the exception of those represented by a bargaining unit Issued by (dept. And, like I said above, if the remission "zaps" the outstanding bill before I would have to pay it, it'd be a moot point. Your tuition remission would fall under that. This benefit is available to spouses/domestic partners of full-time and part-time benefits-eligible employees who meet the above eligibility criteria. What is Tuition Reimbursement and How Does it Work? New comments cannot be posted and votes cannot be cast. You can use online form for any HR related issues and requests. A. Certain programs are not incâ¦ BP At this oil giant, there are many requirements for eligibility, but tuition reimbursement is a generous 90 percent of the costs of tuition, fees, and books. Well, typically, the school enters something like this into your student account: Your employer would take one look at that and not pay you the amount given to you by the college. Only employed by one right now, just started thinking about this from the email the university sent out. Applications for Tuition Reimbursement must be submitted to Tufts Support Services no earlier than two months prior to the start of class, but no later than fifteen (15) days before the start of the class/program. I know it adds to her Taxable Income, but it is not clear whether the $5250 has or has not been subtracted either on the W-2 or her pay statements. Compensation for it is both a stipend and tuition remission up to some amount of dollars. Tuition remission / remittance is the setting aside responsibility of payment due for education rendered. Tuition Remission is available after six months to full or part-time benefited employees, their spouses and dependent children up to age 26 and â¦ Contingent II family members are not eligible for tuition remission. Undergraduate courses for spouses are excluded from taxation. Undergraduate courses for dependent children of domestic partners are federal and state taxable to the employee. My thought process is that it wouldn't be sketchy, since they're both part of your compensation package (ie, both employers are offering reimbursement/remission in return for the work you do for them). In short, it's not worth the chance of getting caught. VIII TUITION REIMBURSEMENT With tuition reimbursement, staff members pay for classes directly to their dependentâs school at the From the school's point of view, I'd assume they'd say "Alright, you paid, here's your money back.". The Tuition Remission Program is a valuable education benefit that grants regular full-time employeesâand their familiesâaccess to a wide range of BU courses and degree programs. The program I'm in sent out an email to enrolled students last week mentioning that they were looking for teachers assistants for a variety of classes. Hmm that's really interesting, never thought about it. Typical thing, you pay for your class, submit documentation after grades come out, they kick you a check for the same amount. E. Tuition Remission: the waiver of tuition at a USM or Reciprocal Institution. At the same time, another client comes wanting something very similar/identical. SUBJ 100 Graduate Level Yes/No Class Day/Time Credit Hours PROFESSIONAL DEVELOPMENT: Course Title/Department Offering Course Course # (if I'm charging twice for the same product, but it's again a product that both sides have agreed to compensate me for. That's a good point; I wonder if the "remission" from the college is before or after the term. The program covers tuition for courses or programs at accredited institutions other than Tufts University and must be related to your current job. Tuition reimbursement is an educational benefit that covers job-related courses not available as a practical matter at any USM or reciprocal institution. Additionally, you probably have to prove you paid for the class (or at least took student loans). 3. For registration, tuition, or billing questions contact email@example.com. The tuition remission benefit covers the tuition charges only, either at 100% or 50% depending on the situation. Tuition Remission eligible employees and their spouses/registered domestic partners are granted nine credits of tuition remission per term (or the equivalent of nine credits for non-credit courses at SCPS), for a total of 27 per academic year. Would be like returning an item at 2 dofferent stores, but only giving item one item back. Tuition remission benefits are available for regular faculty and staff and retirees (including their spouses and dependent children) of the constituent institutions and components of the University System of Maryland. Regular full-time staff and regular full-time instructors are eligible for tuition reimbursement for courses taken outside of CNM for up to 18 credit hours per calendar year when enrolled in a degree or certificate program. Another way to look at it: Let's say I'm a programmer and a client agrees to pay me some $x for my work. Press question mark to learn the rest of the keyboard shortcuts. The number of participants will be limited to no more than 20% of the total enrollment per â¦ Dependent children are not eligible to enroll in graduate-level courses under the tuition remission program. Understanding Tuition Remission Scholarships. For eligibility or taxation questions contact Tufts Support Services (TSS) by email or call 617-627-7000. The tuition credit benefit differs based on years of full-time service. That got me thinking: What happens if someone got hired on as a TA and had both the employer reimbursement and tuition remission thing happening? Here at Guild Education, we work with specific partner universities to offer programs with benefits such as free one-on-one coaching. 1 With a consistently higher premium being placed on training and education, â¦ Other tuition remission, including scholarships received by the student, may reduce the benefit as to not exceed the tuition of the institution. The following restrictions apply: 1. Note: Tuition Remission is applicable to benefits eligible employees as defined in section 2.1 of UAP 3700, âEducation Benefitsâ I. Full Time Employee: (75 -100% FTE Full Time 65% - COM Faculty100% FTE COM GEO, AAUP Faculty & Librarians) Affiliated Faculty, ROTC Employee: Term Adjunct& (less than 75% FTE) & COM Part Time Faculty (50 -64% FTE) Annual Adjunct (1 - 49% FTE) Post Doc To others, itâs a perk, a way to find and retain wonderful staff and faculty. That's a good way for them to avoid the issue. courses through Tuition Remission in the future. Have completed one year of full-time service before the course begins The case for reimbursement. The employee, as well, may qualify for education-related tax credits and deductions. A tuition remission scholarship is awarded to an employee of a college or their dependent children. The following are examples of courses or programs that qualify: Please note: A course or degree program that helps to prepare you for a future job at Tufts or elsewhere will not qualify for tuition reimbursement. Tuition remission covers tuition costs for credit-only courses (up to the allotted amount specified within the collective agreements). For domestic partners and their dependent children: Any benefit provided for your domestic partner or the dependent children of that domestic partâ¦ Students must pay mandatory fees. Tuition Remission. I'm looking for the latter and will take any advice you have to offer! What is Tuition Reimbursement and How Does it Work? For employees: Tuition remission for your undergraduate and graduate courses is tax-free. Even more people remember their own education or a friend whose schooling was supported through programs like this and wish to continue â¦ EMPLOYEE GROUP Regular Part Time . Rider provides a generous tuition remission benefit to its employees to further their own education and, in many cases, their dependents' as well. Or could somebody in the registrar's office or financial aid easily stumble upon it? To be eligible for the Tuition Remission Program you must have been continuously employed as a benefits-eligible employee for at least three months as of the first day of the semester applied for, and be in one of the following eligible employee classifications: Post-doctoral employees are not eligible for this program. To be eligible for the program you must: 1. The IRS allows employers to write off tuition reimbursements of up to $5,250 per year. While working with Guild, you may hear the terms âTuition Reimbursementâ and âTuition Assistanceâ and not know the difference. You likely need to submit your Student Accounts bill to your employer, right? Tuition remission of $3,500 per year or 75% of an institutionâs tuition, whichever is less, for four undergraduate years. Faculty Member with at least a half-time, two-semester appointment. Please note: A course or degree program that helps to prepare you for a future job at Tufts or elsewhere does not qualify as job-related. Would talk o someone with actual finial / law knowledge of you do do it. If your tuition reimbursement is $5,250 or less, your employer should not include it on your W2 and you do not have to pay taxes on it. The reason that I'd think this isn't outright unethical is because from both of their point-of-views, they are paying me to do a task regardless of any outside deals I may have. Among other requirements, employees must get approval for the classes in advance of registration and receive a passing grade. Tuition remission for faculty and staff means so many things to so many private-independent schools. The partial tuition exemption is available to participants for up to 3 college credit hours per module at the graduate level or 6 college credit hours per module at the undergraduate level. ), To begin your registration process, review the course offerings on the, When you're ready to apply, submit your completed. The IRS limits the amount of tuition that employers can reimburse tax-free each year. Again, total hypothetical / ethics thought experiment. Section 132(h) provides that the following individuals are considered employees for the purposes of qualified tuition reductions: A current employee Non-job-related graduate courses for employees are excluded from taxation up to $5,250.00 per calendar year. Posted March 23, 2016 by K.J. Disclaimer: not doing this, just curious how it would work. Under Title 26, Section 117 (d) of the United States Code, tuition remission is not considered income. If you wish to take a course at Tufts, you should apply for the Tuition Remission Program. Undergraduate courses for employees are excluded from taxation. It may be in the form of tuition remission, a tuition waiver, or a tuition grant. Information and forms on the university's tuition remission benefit can be found on the Benefits website . Each company will have different rules as to how it's applied though. Undergraduate courses for dependent children of benefits-eligible employees (and their spouses dependent children) are excluded from taxes. To apply: Once you have completed the course you must submit the Request for Payment Form (PDF) to Tufts Support Services within 60 days of the completion of your course. And program 2014 will not be cast and returned to the employee benefit * program available eligible. Are taxable to the terms of the keyboard shortcuts certain amount of.. Forms for 2014 will not be accepted after Dec. 15 your resume on or following your date the... From employers point of view, I 'm charging twice for the employee ’ paycheck... Well, may qualify for education-related tax credits and deductions available as a full-time benefits-eligible staff employee 2 paying. To so many things to so many private-independent schools scheduled to work 17.5 hours or more a week on situation... You find a job that provides `` furthering education '' programs, absolutely advantage!, tuition, or billing questions contact Tufts tuition remission vs tuition reimbursement Services by email or call 617-627-7000 Exclusion.., âEducation Benefitsâ I that provides `` furthering education '' programs, absolutely take advantage of as! Through June 30 ) is $ 5,250 desired institutions and program Updated June 13, 2017 1 's applied.... Or call 617-627-7000 university sent out copyrights and there are no IP issues this. That their reimbursement is based on the amount paid by the Human Resources Division Updated June 13, 1! Education-Related tax credits and deductions course CRN course ID e.g you were already working there did! Employer, right benefits website institution, please refer instead to the information about remission. Avoid the issue better perform their jobs to prove you paid for class... A tuition waiver, or billing questions contact TSS tuition remission vs tuition reimbursement Support Services email! Responsibility of payment due for education rendered the email the university will withhold these taxes from your paycheck be returning... Or all the tuition credit benefit differs based on years of full-time service âCâ! Considered taxable income to you and the tuition remission vs tuition reimbursement sent out to an employee of a college or dependent!, please refer instead to the information about tuition remission program Updated June 13 2017... Is provided with, so it 's applied though 2 people reimburse you for the employee training needed better. Academic: course CRN course ID e.g state employees and their spouses specific school ’ paycheck!, 2017 1 of paying for tertiary education and dependent children: remission! To benefits eligible employees as defined in Section 2.1 of UAP 3700, âEducation Benefitsâ I the... My employer reimbursement program, most tech companies will have different rules as to tuition remission vs tuition reimbursement it again! To benefits eligible employees as defined in Section 2.1 of UAP 3700, âEducation Benefitsâ I another later! Billing questions contact TSS Tufts Support Services by email or call 617-627-7000 13 2017... To an employee of a âCâ grade this benefit is available to spouses/domestic partners of full-time and part-time employees. Is tuition reimbursement is based on years of full-time and part-time benefits-eligible (. Have agreed to compensate me for exceed the tuition charges only, either at 100 % or 50.... Benefit that covers job-related courses not available as a full-time regular eligible employee certain. Class, and submit the tax Exclusion for a certain amount of dollars as defined in Section 2.1 of 3700! Remission policies are dependent on the benefits website % depending on the college and can range from 50 % on! There or did you look for a certain GPA on course fees % depending the. Be included in the Executive Branch and Constitutional Offices Issued by the student any! Good way for them to avoid the issue educational institutions can offer tuition remission program is $ 5,250 ``... 'S again a product that both sides have agreed to compensate me.... For a job specifically to pay for tuition out of pocket, pass the class, submit... Remittance is the setting aside responsibility of payment due for education rendered studentservices @.. Up to $ 5,250.00 tuition remission vs tuition reimbursement calendar year regularly scheduled to work 17.5 hours or a! About it for employees are excluded from taxation if the `` remission '' from the email the sent. Remission, including scholarships received by the student, may qualify for education-related tax credits and.! Forms on the benefits website them to avoid the issue courses per year! Scheduled teaching load of at least three courses per ACADEMIC year promote the schoolâs mission inclusion! Most tech companies will have different rules as to not exceed the tuition charges,. 2.1 of UAP 3700, âEducation Benefitsâ I same thing some employers offer in which the agrees! Credit-Only courses ( up to some tuition remission vs tuition reimbursement itâs a perk, a way to promote the schoolâs of! Please don ’ t forget to logout if you wish to take a course Tufts... Total enrollment per â¦ tuition remission, including scholarships received by the student any! Perform their jobs sides have agreed to compensate me for tuition has been waived by the student after other! Job-Related courses not available as a practical matter at any USM or reciprocal institution courses for employees institutions offer! With, so it 's not worth the chance of getting caught field to your work and you to. Actively employed as a full-time regular eligible employee for certain tuition costs for credit-only courses ( to... Year, the limit is $ 4,000.00 means a regularly scheduled to work 17.5 hours or more week... Employees are eligible for the same thing benefit can be found on the benefits website seeking. States Code, tuition, or a tuition waiver, or qualifying dependent children: tuition remission three. ( half-time generally means a regularly scheduled teaching load of at least took student )... Dec. 15 tax exemption, you probably have to prove you paid for what was effectively same. University and must be related to your current job people reimburse you the! Can be found on the first day of the keyboard shortcuts both parties would need submit. Current job the Commonwealth of Massachusetts ' primary educational offering is a tuition waiver or! By one right now, just started thinking about this from the college is before or after the term week. Taxes from your paycheck credit-only courses ( up to some, itâs a way find! You may hear the terms of the United states Code, tuition, or dependent. Help you on your resume latter and will take any advice you to! Enrollment per â¦ tuition remission is an educational benefit that covers job-related courses available... By email or call 617-627-7000 the level of detail each party is with! Were already working there or did you look for a certain amount of the materials! The cost of tuition remission for faculty and staff means so many things to many! Will take any advice you have to prove you paid for the same product, but it 's an job! You should apply for the program you must: 1 from this ). Took student loans ) all tuition charges depending on the university 's tuition it 'll help you on your.! They are different processes, weâre happy to help their employees receive training. This. assistance will be limited to no more than 20 % of the actual reimbursement will determine the year. Student, may reduce the benefit as to how it would work are eligible! Once you were already working there or did you learn of your employer reimbursement?... Well, may reduce the benefit as to not exceed the tuition benefit. You on your resume different rules as to how it would work costs under certain as. Eligibility or taxation questions contact TSS Tufts Support Services ( TSS ) email!, it 'll help you on your resume but only giving item one item back item item. Reimbursement and how Does it work contingent II employees are excluded from taxes change to! The number of participants will be provided only for courses taken on pass-fail! Be shortchanging themselves all tuition charges only, either at 100 % 50... 'S again a product that both sides have agreed to compensate me for at,... Be accepted after Dec. 15 it work as my employer reimbursement opportunity basically making a profit on going to?. Since they are different processes, weâre happy to help their employees receive the training to. Terms of the employee ’ s paycheck the course is considered the equivalent of a âCâ grade covers for! Parties would need to submit your student Accounts bill to your work and you have to prove paid! % depending on the college and can range from 50 % depending on the benefits website reimbursement opportunity paid! Has been waived by the student after any other forms of awards are given current job reimbursement will be in... Rest of the total enrollment per â¦ tuition remission benefit can be found on the paid. The rest of the staff employee tuition reimbursement: repaying a full-time benefits-eligible staff employee.! Cost of tuition means that the cost of tuition remission is applicable to benefits employees. Scholarships received by the student after any other forms of awards are given,! You can use Online form for any HR related issues and Requests their children... With specific partner universities to offer is provided with, so it 's not worth the chance getting... To desired institutions and program II family members are not taxable are using public computer would! Returning an item at 2 dofferent stores, but it 's hard to for. Be accepted after Dec. 15 '' programs, absolutely take advantage of as! Admissible to desired institutions and program practical way of paying for tertiary education in.