Massage Clinic: 518-489-4068

Financial Aid

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Massage Therapy School FAFSA Financial Aid

Financial Aid & Tuition Costs

CNWSMT offers many different options for Financial Aid and funding your Massage Therapy education. Our goal is to help make it an easy process for you. Watch the How-To videos below. You’ll see how easy the Financial Aid process can be. Other funding options are below.

For more information on financials, contact the Financial Aid Office. Call (518) 489-4026 or email

Personal Loans through Banks & Credit Unions

Many banks offer personal loans for education. We recommend checking with your bank and shopping around for the best interest rate. Local credit unions prove to be a good option for education loans, both in rates and customer service.

Local credit unions that offer private educational loans for our Massage Therapy program:


There are scholarships to help pay for Massage Therapy School. Scholarships are available through CNWSMT and outside organizations.

Click here for more information

Government Funding 

Follow the link below for information on the CARES Act: Higher Education Emergency Relief Fund.

CARES Act:  Higher Education Emergency Relief Fund

Students may be eligible for funding education from state and/or local (county) governments. Particularly if they are profiled under the State Unemployment Insurance Program.

Eligibility for this aid depends on an individual’s specific needs and demographic characteristics. Students seeking this type of aid work with the agency to ensure CNWSMT receives all tuition payments by the specified deadlines.

School Based Financing Options

Full Payment Plan
Payment of the complete tuition balance before the first day of instruction.

Deferred Payment Plan  
Students pay a $100 administration fee to take part in this plan. This fee is added to the tuition balance. Students pay the total balance according to the following schedule:

  • First payment is due the day before the first day of instruction. This is 50% of the total balance due. This payment may be in the form of Federal Student Aid.
  • Second payment is due at the beginning of the fourth month of instruction. This is 25% of the total balance due.
  • Third payment is due at the beginning of the seventh month of instruction. This is 25% of the total balance due.

Monthly Payment Plan (MPP)
If other funding options are exhausted, students may be eligible for a Monthly Payment Plan (MPP). Under the MPP, students need to make an initial down payment of at least $6,500.  CNWSMT may consider Federal Student Aid eligibility for this initial payment.  The remaining balance is then paid in 22 monthly installments.  Students applying for MPP must submit a complete application for participation. Contact the Financial Aid Office to have an application sent to you.

Students combining a MPP with their Federal Student Aid, and are financing a tuition balance of $3,000 or less, may take advantage of extended terms up to 36 months.

Students with a balance greater than $3,000 may also be considered for terms up to 36 months, but only after further review. Additional application items may be requested from these students.

Students wishing to be considered for the MPP must submit a complete application for participation in the MPP to CNWSMT.  This application may be obtained from the Financial Aid Office.  A credit review will be performed. The student will be notified of the approval status of their MPP application within seven days of receipt by CNWSMT.  Students will be required to enter into a loan agreement (retail sales contract) with CNWSMT for the terms of the loan. An interest rate of 6% will be charged on the tuition balance financed with the MPP.

Program Registration

We charge a registration security deposit of $100 to register and reserve a seat in the program. This deposit goes towards tuition payments. Students must pay deposit upon receipt of a letter of acceptance from the CNWSMT. If the deposit is not paid, the student forfeits his/her seat in the program.

Payment of Tuition

In addition to satisfying all Admissions requirements, incoming students must meet with our Financial Aid Administrator. It is required that they have a completed financial plan in place before starting classes. For more information about tuition, please contact our Financial Aid office at (518) 489-4026 or email

Additional Financial Aid Resources:

Our Programs

Our NYS recognized Massage Therapy Training program is offered in 3 formats:
  • Full-Time Day
  • Part-Time Morning
  • Part-Time Evening

Download Catalog

Download the 2020 Course Catalog


Center For Natural Wellness
School Of Massage Therapy
3 Cerone Commercial Drive
Albany, NY 12205
Administrative Office: (518) 489-4026
Student Massage Clinic: (518) 489-4068
Fax: (518) 489-0522


Administrative Office: (518) 489-4026 | Student Massage Clinic: (518) 489-4068 | Fax: (518) 489-0522