IN-HOUSE FINANCING WITH US USING A DOWN PAMENT:

• No credit check 100% approved with down payment
• monthly payments due anytime by 11pm on the first of each month
• missed or late payments will have a $35 late fee applied on the 2nd and 16th (max $70 per month)
• first monthly payment required to attend day 1 (again for other days)
• payment plan option includes a $50-250 installment fee compared to pay in full cost
• not released to register and take state exams until course is paid in full

FINANCING WITH KLARNA, AFFIRM OR APPLE PAY:

• Credit check approval required with higher interest based on creditworthiness
• monthly payments are less than ours with no down payment required
• considered a "paid in full" student here to attend when ready and released when passed
• kit purchase can be added to application to pick up here after approved
   

OTHER COSTS:

• About $100-150 of items will be needed to take the state exam
• $172 to take this year's state exams (paid to the exam center after paying in full and passing the course)
• $105 for Nail License paid after passing state exams
• travel costs to Palmyra Virginia for class hours & testing
• travel costs to take State Exams at various locations throughout Virginia

NON VIRGINIA RESIDENT:

• Students do not have to live in Virginia
• A Virginia Nail License can only sell nail care in Virginia
• VA Nail License can transfer into other states to become multi state licensed. Each State's requirements vary. Contact your state's cosmetology board to understand reciprocity/transfers.
• State ID's address used will be placed on the license with a option only to have it mailed elsewhere. No exceptions unless the ID is presented as updated before completion of the course.
• Anyone can have multiple state nail licenses to sell nail care in multiple states. We have had many students come here from outside Virginia (that live on state borders) to work in multiple states. 

CRIMINAL BACKGROUND: (we have had students with convictions get their Nail License)

• Disclose previous/current regulatory board professional licenses denials and disiplinary actions from any state for review after finishing a course.
• Those with criminal convictions must disclose their violation for approval considered by the state board AFTER completion of a course and passing the state exams.
• Disclose felonies within the last 20 years
• Disclose misdemeanors within the last 2 years for moral turpitude, sexual offence, drug distribution or physical injury
• Criminal Conviction Form required to fill out if you have a misdemeanor/felony described above (State/Court records needed)
• Those that do not disclose the proper information may have their application denied and/or very long delays in processing
• Any disclosure at the school of criminal history will be kept 100% confidential from other students and outside the school
• Decisions are NOT made for licensing by the state licensing department until the student has passed the state exams for licensing