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Licensed Occupations Requiring Clock-Hour Training and Interstate Transferability – RESEARCH JUNE 2025

Individuals in several U.S. career fields must complete a specified number of clock hours of training to obtain a license. These clock-hour requirements are typically mandated by state licensing boards. When moving to a new state, licensees often seek to transfer their hours or license. Below is a detailed overview of major licensed occupations with clock-hour training requirements, including typical hour requirements, conditions for interstate license transfer (reciprocity or endorsement), examples of state differences, and authoritative references.

Cosmetology (Hairdresser/Cosmetologist)

Typical Hours Required: Most states require around 1,500 hours of schooling for cosmetologists. This can range from as low as 1,000 hours (e.g. New York and Massachusetts require a 1,000-hour training program) up to 2,100+ hours in a few cases (e.g. Iowa mandates 2,100 hours for cosmetologists). The majority of states cluster around 1,500 hours for cosmetology training.

Interstate Transfer (Reciprocity/Endorsement): Cosmetology licenses can be transferred to another state by endorsement or reciprocity if certain conditions are met. Typically, the new state will require that the applicant’s training hours are equal to or greater than its own requirements, and that the applicant passed the requisite exams. If an out-of-state cosmetologist’s training is short of the new state’s hours, they may need to take additional training hours or exams. For example, Florida (which requires 1,200 hours) will endorse a cosmetologist from a 1,000-hour state like New York only if the person completes an extra 200 hours of education or has at least one year of licensed experience and then passes Florida’s exam. Many states impose similar rules: they grant a license by endorsement if your home state’s requirements were “substantially equivalent.” If not, the options are often to make up the hour difference or take the state’s board exams.

Examples of State Policies:

  • Alaska: Does not have blanket reciprocity, but will license an out-of-state cosmetologist (hairdresser) by “waiver of examination” if the person holds a current license elsewhere and can prove at least 1,650 hours of school training (or 2,000 hours via apprenticeship), plus passing a written and practical exam. This ensures the applicant’s training meets Alaska’s own 1,650-hour requirement for hairdressers.
  • Florida: Requires 1,200 hours for cosmetologists. Florida will endorse licenses from states with equal or greater hours; if the other state had fewer hours (e.g. 1,000 hours), Florida gives the choice of doing additional hours or taking Florida’s exam (with at least 1 year of work experience).
  • Iowa: Requires 2,100 hours and has no direct reciprocity agreement. It will consider an applicant for endorsement if they have been licensed in a state with similar/equivalent requirements and have 12+ months of recent work experience. Someone from a lower-hour state would likely need more experience or training.
  • New York: Requires 1,000 hours and licenses by endorsement only those who meet its hour requirement. Conversely, a NY-licensed cosmetologist moving to a 1,500-hour state may need to provide proof of additional training or experience since NY’s 1,000 hours fall short of many states’ requirements.

Sources: State licensing boards and industry directories confirm these hour requirements and policies. For instance, the New York Department of State notes the 1,000-hour training requirement for cosmetologists, and Florida’s Board of Cosmetology outlines the endorsement process for those with fewer hours.

Barbering

Typical Hours Required: Barber license requirements are similar to cosmetology in many states, often around 1,000 to 1,500 hours of training. For example, Alabama sets a 1,000-hour minimum for a Class II barber, while many states use 1,500 hours (Texas, Illinois, Georgia, etc. all require ~1,500 hours for barbers). A few states have lower requirements (e.g. Idaho requires only 900 hours for barbers). Some states also allow apprenticeship hours in lieu of school hours (common alternatives are 2,000–3,000 hours of apprenticeship if not attending school).

Interstate Transfer: Licensed barbers generally can transfer licenses via reciprocity/endorsement, but the same principle applies: the training and exam credentials must satisfy the new state’s standards. If the original state’s hour requirement was lower, the barber may need to demonstrate additional experience or take the new state’s barber exam. A number of states use the NIC (National Interstate Council) exam for barbers, which facilitates endorsement if both states use that exam. However, states often require proof of having met their hour minimum.

Examples:

  • Idaho: Idaho does not offer direct reciprocity for barbers. An out-of-state barber must apply for endorsement and prove active licensure for 3 of the last 5 years, show they passed equivalent exams, and meet Idaho’s training hours (900 hours). Essentially, Idaho uses work experience in lieu of automatic reciprocity if hours/exams differ.
  • Texas: Texas requires 1,500 hours for barbers and will consider out-of-state applicants if they hold a license from a state with comparable training hours (or have enough years of practice). Texas processes barber reciprocity on a case-by-case basis and may require the applicant to take the Texas law and practical exams if their hours or credentials don’t align.
  • New York: New York’s barber requirements are unique – the state mandates an apprenticeship (two years) or a training course, rather than a fixed hour count (schools in NY set their own hour programs). A New York-licensed barber moving elsewhere might need to document the length of their training/apprenticeship to satisfy another state’s hour requirement. Conversely, barbers from states with formal school hours may have to show equivalent training to get a NY license.

Sources: State regulatory info confirms the hour requirements (e.g., Alabama’s Board sets 1,000 hours for barbers, Idaho’s laws list 900 hours and their no-reciprocity endorsement process). Texas Department of Licensing & Regulation provides guidelines for out-of-state barber applicants, requiring equivalent 1,500-hour training or additional steps if lacking.

Nail Technician (Manicurist)

Typical Hours Required: Manicurist/Nail Technician training requirements vary widely by state. Many states require 300 to 600 hours of nail technology education. For example, Texas mandates 600 hours of training for a manicurist license. Georgia requires 525 hours (or a longer apprenticeship). On the lower end, Florida requires only 240 hours of training for a nail specialist license, and a few states are even lower – notably Pennsylvania (200 hours) and Massachusetts, which astonishingly requires just 100 hours of manicurist training. (Massachusetts historically had a very low hour requirement for nail techs, set at 100 hours, which is the minimum to qualify for the exam in that state.)

Interstate Transfer: Because of the dramatic differences in required hours, transferring a nail technician license often involves meeting the new state’s hour minimum. Many states will grant a license by endorsement if the applicant’s training hours meet or exceed their requirement. If not, the nail tech may need to take additional coursework or sometimes document work experience to compensate. Some states simply require passing their state law exam and proof of current license, as long as the training was not grossly deficient.

Examples:

  • Florida: Florida will register (license) an out-of-state nail specialist by endorsement only if the other state’s requirements are at least 240 hours, equal to Florida’s own training requirement. If an applicant comes from a state with fewer hours, they would not qualify for reciprocity in Florida and might have to take Florida’s exam or complete missing hours.
  • Texas: Texas’s 600-hour requirement is relatively high; thus, Texas will expect out-of-state manicurists to have 600 hours of training. If someone trained in a 300-hour state applies, Texas might require them to get additional schooling or show several years of experience. (Texas explicitly lists that applicants from states with substantially equivalent hours and exams can be considered, otherwise additional steps are necessary.)
  • Massachusetts: In contrast, Massachusetts’ low 100-hour standard means it will generally accept any licensed manicurist from another state who completed at least 100 hours. Massachusetts does require out-of-state applicants to show their official school transcript and to pass an exam if their hours are below its requirement (100 hours). Practically, almost all states’ licensed nail techs have more than 100 hours, so getting a Massachusetts nail license by endorsement is straightforward for most. However, a Massachusetts-trained manicurist moving elsewhere often faces a deficit – e.g. moving from MA (100 hours) to a state like Connecticut (which requires 300 hours) or Texas (600 hours) means they would likely need to obtain additional training or experience to qualify for a new license.

Sources: Official state boards and published requirements highlight these differences. Texas’s 600-hour requirement is noted by TDLR. Florida’s 240-hour rule for nail specialists is documented in Florida licensing materials. Massachusetts’ regulations confirm the 100-hour training minimum for manicurists. These disparities underscore why reciprocity conditions (like requiring equal or higher hours) are so important in this field.

Esthetician (Skin Care)

Typical Hours Required: Esthetics (facial/skin care) licensing usually requires 600 hours of training in many states. However, the requirements range from about 250 hours up to 1,000 or more. For example, Florida only requires 260 hours for a facial specialist (esthetician) license, one of the lowest requirements in the country. Georgia, by contrast, requires a full 1,000 hours of esthetician training. California and Illinois require 600 hours (which is common). Some states have recently increased their hours – Massachusetts moved from a 300-hour program to 600 hours for estheticians as of 2019. Others fall in between (e.g., New York requires 600 hours; Texas 750 hours; Oregon 500 hours; etc., depending on the state).

Interstate Transfer: Transferring an esthetician license typically requires that the applicant meet the new state’s hourly training requirement. If the original license was from a state with fewer hours, the new state may require the person to obtain additional hours or have a certain amount of work experience. Many states have reciprocity/endorsement provisions for estheticians similar to cosmetology: a current license plus equivalent training and exam will allow licensure, often after passing the new state’s law or theory exam. If training hours are lacking, some states might allow substitution of work experience (e.g., a number of years of practice might waive a small hour deficit).

Examples:

  • Georgia: Requires 1,000 hours of training for estheticians. Georgia will only grant a license by endorsement if the other state’s requirements are equal (1000 hours) and the applicant passed a national exam. An esthetician from a 600-hour state would likely need to take Georgia’s exam and possibly document additional work experience or education to make up the gap.
  • Florida: With a low 260-hour requirement, Florida’s endorsement is easier in one sense – most licensed estheticians from elsewhere will have more than 260 hours, so they meet Florida’s threshold. Florida does require anyone coming in to have a current license and their training reviewed. (Since Florida uses a registration system for facial specialists, endorsement applicants essentially must show they completed ≥260 hours and passed the exams in their home state.) Conversely, a Florida-trained esthetician (260 hours) moving to a state requiring 600+ hours will often need further schooling. For instance, Tennessee (750 hours required) or South Carolina (450 hours required) might not accept 260 hours without additional coursework or experience.
  • Massachusetts: Now requires 600 hours for aestheticians. Massachusetts will demand out-of-state applicants have at least that much training (or if they were licensed under the old 300-hour rule prior to 2019, they are grandfathered locally but other states might not recognize just 300 hours). An out-of-state esthetician with 600 hours and a license can get a MA license fairly easily (with application and perhaps a test on MA law), but one from Florida’s 260-hour program would not qualify without further training. Massachusetts explicitly states that if an applicant’s education is less than the board’s required hours (600 for aesthetics), they must take the MA board exam (and likely do more schooling).

Sources: State board documents and professional associations confirm these figures. The Georgia State Board notes the 1,000-hour requirement for esthetician programs. Florida’s 260-hour requirement is evidenced in Florida Department of Education outlines and state licensing info. Massachusetts’ official regulations list 600 hours as the current standard for aesthetics training. These references illustrate how varied the field is, which directly impacts reciprocity conditions.

Massage Therapy

Typical Hours Required: Massage therapists generally must complete a 500-hour training program at minimum, which aligns with the industry’s entry-level standard and the requirements to sit for the MBLEx (Massage & Bodywork Licensing Exam) in most states. Many states have set 500 hours as the baseline (e.g., California certifies massage therapists at 500 hours; Colorado requires 500 hours; Florida requires 500 hours; Illinois 600 hours). Some states demand more: New York has one of the highest requirements at 1,000 hours of massage training (and a state-specific exam), and a few others range from 600 to 750 hours (for instance, Texas and Ohio require 500; Oregon 625; Washington 625; Pennsylvania 600; Nebraska 1000 for new programs in recent years). Overall, 500 hours is the most common standard, with a trend toward slight increases in some jurisdictions.

Interstate Transfer: Almost all states allow a licensed massage therapist (LMT) to obtain a license in a new state via endorsement, provided the person meets that state’s requirements. Because there is a national exam (MBLEx) and sometimes national certification (NCBTMB), transferring can be straightforward if the therapist’s training hours meet the new state’s minimum and they have passed an equivalent exam. If an LMT comes from a state with fewer hours than the new state requires, they may have to do one of two things: either complete additional training hours before licensure, or in some cases demonstrate a certain amount of work experience in lieu of the hours difference. States often require verifying the school transcript (hours) and the exam results. Some states explicitly insist on the 500-hour minimum even for endorsement. For example, Florida will endorse massage therapists from out of state only if they completed at least a 500-hour approved program and passed a board-approved exam.

Examples:

  • Washington State: Requires 500 hours (was considering raising it) and will grant a license to out-of-state applicants who have 500 hours and have passed the MBLEx (or equivalent) – essentially full reciprocity if those conditions are met. If someone has less than 500 hours (rare, since 500 is the usual floor), they would need further education.
  • New York: Requires 1,000 hours and has a state exam. New York does not readily offer reciprocity unless the applicant’s credentials match NY’s (meaning 1,000 hours of education and having passed a comparable exam). In practice, an LMT from a 500-hour state must either complete additional schooling to total 1,000 hours or document years of out-of-state practice and then petition to take the NY exam. Because NY’s standard is so high, it often effectively requires re-training or at least a lengthy endorsement process for those from lower-hour states.
  • District of Columbia: Requires 500 hours. D.C. will license by endorsement, but the therapist must show proof of completing an approved program and meeting the 500-hour minimum, as well as having passed the national exam. Essentially, D.C. looks for equal or greater training (500+ hours) in the prior jurisdiction.
  • California: Uniquely, California’s massage “license” is voluntary certification (500 hours for Massage Therapist title) and they do not have a state-run exam (they accept the MBLEx). Since it’s voluntary, “reciprocity” is not an issue in the same way, but cities/counties in CA often require the 500-hour state certificate. A therapist moving from out-of-state to CA can obtain the California Massage Therapy Council (CAMTC) certification if they have at least 500 hours and a clean background, which many out-of-state programs satisfy.
  • Pennsylvania: Requires 600 hours. It will endorse out-of-state LMTs if they meet PA’s 600-hour requirement and have passed the MBLEx. If someone has only 500 hours, they might need to show extra CE or experience, or potentially be asked to get the missing 100 hours. (Pennsylvania’s law allows endorsement applicants to be licensed if they have a current license and completed an approved program that meets PA’s hours or if not, to make up the difference with continuing education or experience, case by case.)

Sources: The Federation of State Massage Therapy Boards (FSMTB) provides an authoritative list of state requirements, confirming that 500 hours is the standard in most places, with specific deviations (NY 1000, OR 625, etc.). State laws (e.g., Florida Statutes for massage therapy) explicitly state the 500-hour minimum for schooling. These sources make clear that while the number of hours can differ, the prevalent model is a 500-hour threshold which greatly eases reciprocity among the majority of states adhering to it.

Real Estate Salesperson

Typical Hours Required: To become a real estate salesperson (agent), states require completion of pre-licensing education measured in clock hours (or sometimes credit hours). Requirements vary significantly: some states mandate as low as 40 hours of coursework (e.g., Massachusetts uses a 40-hour pre-license course), many require around 60–90 hours, and some go much higher. For example: Florida requires 63 hours of pre-license education for sales associates; New York requires 75 hours; Georgia 75 hours; Texas is among the most stringent, requiring 180 hours (six 30-hour courses) for a salesperson license. California requires the equivalent of 135 hours (three 45-hour college-level real estate courses). A few other examples: Colorado currently requires 168 hours (in several course modules); Illinois 75 hours; Pennsylvania 75 hours; Connecticut 60 hours. In short, the education hours span from 40 on the extreme low end to ~180 on the high end, with ~60–90 being common in many states.

Interstate Transfer: Real estate licensing is notably state-specific due to differing laws and practices. There is no universal transfer of pre-licensing hours in the sense of automatically applying credit hours from one state to another. Instead, states handle this via reciprocity agreements or requiring new applicants (even experienced ones) to pass their state’s exam. Some states have reciprocity with specific other states: for example, Connecticut will license by reciprocity if you are licensed in a reciprocal state (like FL, OH, etc.) and passed that state’s exam. Colorado and Virginia have broader reciprocity/recognition policies (Virginia and Texas are cited as having full reciprocity for agents from any state), but even “full reciprocity” usually means you still must apply and possibly take a state law exam. Many states require at least the state-specific portion of the real estate exam for any out-of-state licensee. Pre-licensing hours generally don’t need to be duplicated if moving to a reciprocal state – instead, if the reciprocity applies, the person can skip the education and just take the exam (or in some cases no exam at all). If no reciprocity exists between two states, a licensed agent moving may have to retake the full licensing exam and sometimes even redo the pre-licensing course, depending on the state’s rules.

Examples:

  • Reciprocity Agreements: Full reciprocity means a state will accept a license from any other state usually without requiring additional education or exam. Virginia is one such state – it offers licensure by reciprocity to any actively licensed out-of-state agent (requiring an application and a certification of licensure, but no additional course work). Texas, as of recent changes, is also mentioned as having full reciprocity for agents from any state – however, note that Texas historically had no reciprocity and required all newcomers to pass the Texas exam; the reference suggests Texas may allow experienced agents to waive education requirements. Always, the incoming licensee must be in good standing (no discipline) and meet any experience requirement if seeking a broker license.
  • Partial reciprocity & Mutual Recognition: Florida has “mutual recognition” agreements with about 8 states (e.g., Georgia, Alabama, Tennessee, etc.). An agent licensed in one of those states can get a Florida license by passing a 40-question Florida law exam, without having to take the 63-hour course. If an agent is from a state not on Florida’s mutual list, they must take the full pre-license course and exam like a new applicant. Georgia recognizes licenses from states that reciprocate with GA (and also allows a non-reciprocal licensed agent to apply for a GA license if they take a shorter 25-hour course and exam).
  • No reciprocity states: California and New York are examples of large states that do not offer broad reciprocity. California has no reciprocity at all – everyone must take California’s exam (and meet the education requirements, which in practice means an out-of-state agent will have to show they’ve taken equivalent college-level courses or take them anew). New York has reciprocity only with a handful of states (e.g., Pennsylvania, Connecticut, Oklahoma – and only if the person resides in that state) and otherwise requires the full NY exam.
  • Broker vs Salesperson: Often reciprocity is easier at the salesperson level. Broker licenses (which require additional education, e.g., 120–360 hours, and experience) might have separate reciprocity rules. Many states require an out-of-state broker to have a certain number of years of experience before granting a reciprocal broker license. For instance, Connecticut will give a broker license by reciprocity if you have an active broker license elsewhere and a few years’ experience, without needing the 60-hour course, but you must pass the CT state law exam.

In summary, real estate license transfer is less about “transferring hours” and more about transferring the license credential. The pre-license education hours are generally not directly accepted across state lines unless under a reciprocity deal; instead, the fact that you have a license (and presumably took your state’s required hours already) is what helps. States with reciprocity typically waive the new education requirement but still often require an exam on local laws.

Sources: Official real estate commission websites and Realtor® associations detail these policies. For example, the National Association of REALTORS® notes that some states have full reciprocity (Texas, Virginia) and others partial, each with conditions like extra education or exams. State-specific sources: Florida’s mutual recognition rules are in the Florida DBPR publications (and summarized in educational resources); Connecticut’s reciprocity policy is on CT.gov. These confirm that interstate practice is possible but regulated, with requirements that often differ by state.

Certified Nursing Assistant (CNA)

Typical Hours Required: Nurse Aides (CNAs) must complete training that meets federal and state requirements. Federally, the minimum training is 75 hours, including at least 16 hours of supervised clinical practice, as set by 42 CFR 483.152 (from the Omnibus Budget Reconciliation Act requirements). Many states exceed this minimum in their approved CNA programs. Typical state requirements range from 75 hours up to about 120–150 hours. For instance: California requires 150 hours (50 hours classroom + 100 hours clinical); Alaska requires 140 hours (60 didactic + 80 clinical); Connecticut 100 hours (50 classroom + 50 clinical); New York 100 hours (70 classroom + 30 clinical); Texas 100 hours (60 + 40); Arizona 120 hours; Maine 180 hours, and so on. The majority of states require between 75 and 120 hours of CNA training. Every state also requires candidates to pass a competency exam (both a written test and a practical skills test) to become certified and be listed on the state’s Nurse Aide Registry.

Interstate Transfer: CNAs do not exactly “transfer hours” between states, but they can transfer their certification through a process commonly called “reciprocity.” In practical terms, a CNA certified in one state can apply to be listed on the new state’s Nurse Aide Registry without retaking the full course or exam, provided certain conditions are met. Typically, the CNA must have a current, active certification in good standing (no findings of abuse or neglect) and have been originally trained & tested to standards meeting the new state’s minimum. Most states will verify the applicant’s status on the original registry and confirm they completed an approved training program and passed that state’s exam. If the CNA’s original training hours were below the new state’s requirement, the new state may require additional training or even re-testing. However, since the federal floor is 75 hours, and all states meet or exceed that, a CNA moving state-to-state generally faces similar or lower requirements in the new state. The bigger issue is often whether the CNA has worked recently (many states require proof of employment as a CNA for a certain amount of time, such as one full-time week in the last 24 months, to transfer certification without retraining).

Examples:

  • Reciprocity Process: A common scenario is filling out an “Application for Enrollment by Reciprocity” with the new state’s Nurse Aide Registry. For example, a CNA moving to Ohio from another state would contact the Ohio Nurse Aide Registry and submit proof of their current certification and employment history. Ohio would check that the person originally had at least 75 hours of training and passed an exam. If yes, Ohio will grant them Ohio certification without testing. Most states handle it similarly: no additional exam or training is needed if all criteria line up.
  • State-Specific Quirks: New York will endorse CNAs from out-of-state if they meet NY’s requirements (100 hours training and competency exam). The NY Department of Health specifies in its reciprocity regulation that the out-of-state applicant must have completed a state-approved program meeting at least the federal minimum and passed a state exam. Florida, rather than having reciprocity, requires out-of-state CNAs to apply to test in Florida (unless they have a license from a state Florida considers equivalent; Florida often just has you take their exam). Tennessee is an example of a state with a unique rule: Tennessee accepts reciprocity from all states except Florida. A CNA certified in Florida actually must retest in Tennessee, whereas CNAs from any other state can transfer in without re-testing. This is likely due to differences in Florida’s testing process in the past. It highlights that each state may have specific exclusions or requirements in their reciprocity policy.
  • Maintaining Active Status: Many states require that the CNA has worked for pay as a CNA for a minimum amount of time (often one day or a few days of work) in the prior 24 months to transfer. If a CNA has not worked recently, the new state might not grant reciprocity and would ask them to retrain and re-test.

Overall, CNA license (certification) transfer is usually straightforward via reciprocity forms, as long as the individual meets the training hour minimum and has passed a recognized exam. There is no national CNA license, but because all states adhere to federal standards, moving from state to state is common and supported by the reciprocity system.

Sources: The PHI National analysis of state CNA training requirements provides the hour numbers for each state (e.g., CA 150, NY 100, etc.). State health department documents (like New York’s reciprocity rules) and nursing assistant registry guidelines (e.g., IntelyCare’s overview of CNA reciprocity) explain the conditions for transfer. These authoritative sources confirm that while hours differ, the reciprocity mechanism is widely available to avoid retraining CNAs unnecessarily when they move.

Commercial Driver’s License (CDL)

Typical Hours/Training: Obtaining a Commercial Driver’s License is less about clock hours and more about competencies. There is no universal hourly training requirement for a CDL; rather, since February 2022, the Federal Motor Carrier Safety Administration (FMCSA) implemented the Entry-Level Driver Training (ELDT) rule which mandates completion of a prescribed curriculum before taking the CDL skills test. ELDT includes classroom/theory lessons and behind-the-wheel (BTW) driving practice, but importantly, the regulations do not require a minimum number of hours for either the theory or driving portions. Instead, approved training providers must cover all topics in the curriculum, and trainees must demonstrate proficiency (e.g., by passing a written knowledge assessment and instructor evaluations of driving skills).

Despite the lack of a legal hour minimum, many truck driving schools offer standard courses often around 160 hours (approximately 4 weeks) for a Class A CDL, as this has become an industry norm for adequately covering the material and practice. Some states previously had hour suggestions (e.g., 120 or 150 hours), but with ELDT, the focus is on outcomes rather than a set hour count. For instance, one training provider might have a 4-week, 160-hour program, while another might go longer or shorter, but both must ensure all required topics (maneuvers, safety, etc.) are taught and that students can perform to standard.

Interstate Transfer: A CDL is federally standardized, meaning an actual CDL license can be transferred to a new state relatively easily. When a CDL holder moves to another state, they must obtain a new CDL from the state of residence (one cannot hold CDLs in two states). The process is generally an exchange: the driver surrenders the old state’s CDL and is issued the new state’s CDL, usually without any re-testing, since all states recognize the same CDL credentials. There are a few caveats: if the driver has a hazardous materials (HazMat) endorsement, they will need to pass the HazMat knowledge test (and TSA background check) again in the new state, because federal law requires a current test for that endorsement upon license transfer. A few states may also require a vision test or a brief knowledge test when transferring any out-of-state license (commercial or not), but in general a CDL transfer does not involve re-doing the road test or a full retake of exams as long as the license is valid and in good standing.

ELDT and Training Hours Transfer: Since training is recorded in the new Training Provider Registry, once a driver-trainee completes an ELDT course, that completion is federally recognized. For example, if someone takes their CDL training (ELDT) in State A but then moves to State B before testing, State B’s DMV can verify their ELDT completion in the registry. The trainee can then take the CDL skills test in State B without needing to retrain, because the ELDT completion is transferable nationally. The hours or structure of the course don’t matter, only the completion status. Therefore, individuals can “purchase” clock hours of CDL training in one state and use that training to get licensed in another, as long as the training was from an approved provider and the content requirements are met.

Examples:

  • A new driver lives near a state border and attends a truck driving school in State X consisting of, say, 160 hours of training. Upon finishing, they receive a certificate and their info is uploaded to the FMCSA database. If they then move or choose to get their CDL in State Y, the State Y DMV will confirm they have completed the required ELDT. The applicant will then take the CDL knowledge and road tests in State Y and, if passed, get a State Y CDL. There is no requirement to match specific hour counts between X and Y, because the training standard is federal and simply requires all topics were covered.
  • A licensed CDL driver moving from California to Texas (for example) will go to the Texas DPS, show their current CDL, fill out an application and likely pass a vision test and pay the fee. Texas will check the national CDL database (CDLIS) to ensure the person isn’t licensed elsewhere and will then issue a Texas CDL with the same class and endorsements, after the old license is surrendered. They won’t ask the driver to retrain or re-test (except HazMat as noted). This is uniform due to federal reciprocity of CDL licenses under the Commercial Motor Vehicle Safety Act.
  • One nuance: if a CDL holder let their CDL license expire, or was disqualified, then moving won’t magically allow transfer – they would have to start over or comply with whatever reinstatement is required. But an active CDL from any state is honored across all states.

Sources: The FMCSA (federal authority) clearly states that there are no minimum hours required for ELDT – it’s competency-based. This guidance is published on FMCSA’s official website and applies nationwide. In terms of license transfer, state DMV resources and trucking industry sources confirm that transferring a CDL is a paperwork matter, not a training issue – generally no retest is needed for the CDL itself. The NETTTS CDL guide, for instance, notes “Generally, you should not have to re-test for a CDL… If you have endorsements such as HazMat, you may have to re-test for this in the new state.”. This aligns with state DMV guidance (e.g., Tennessee DMV instructing new residents on how to exchange their CDL, etc.). All evidence shows that CDL training is nationally standardized and the license mobility is high once you are licensed.

HVAC Technician/Contractor (Heating, Ventilation, Air Conditioning)

Typical Hours/Requirements: Unlike the other fields, HVAC licensing is usually tied to contractor licenses (for running an HVAC business or working as a journeyman) and often requires a combination of work experience and technical education rather than a set number of purely classroom hours. Many states don’t license HVAC technicians at the state level at all (leaving it to local jurisdictions) or they license HVAC contractors with prerequisites. In states that do have state licensing for HVAC, common requirements are on the order of 2 to 5 years of experience (which equates to roughly 4,000–10,000 hours of on-the-job work) and/or some hours of classroom instruction. For example:

  • Massachusetts (Refrigeration Technician license) – requires either 6,000 hours of apprenticeship plus 250 hours of education, or 4,000 hours apprenticeship plus 500 hours education, or 2,000 hours apprenticeship plus 1,000 hours education in an HVAC program. In all cases, a mix of hands-on and school totaling roughly the same overall training time is needed, after which the candidate can take the exam.
  • Maryland requires about 3 years of experience for an HVAC contractor license (no specific hour breakdown of education, just time in the trade and an exam).
  • Florida requires 4 years of experience or a combination of college (up to 3 years credit for a bachelor’s in engineering) and field work, plus passing a state exam for HVAC contractors. (Florida doesn’t mandate clock-hour courses, but many aspiring contractors take coursework as part of apprenticeships or tech school.)
  • Washington State has specific mechanical licensing: e.g., an HVAC/refrigeration specialty electrician license requires 4,000 hours of work experience and 48 hours of classroom training for the 06A HVAC/refrigeration electrician specialty. Another Washington example: a full journey HVAC/refrigeration mechanic might need 8,000 hours of work or a mix of work and schooling as defined by the state’s labor & industries rules.

In summary, there isn’t one uniform “clock hour” requirement nationally for HVAC, but commonly an equivalent of a few thousand hours of combined training (education + practical) is expected to become fully licensed.

Interstate Transfer: HVAC licensing reciprocity is hit-or-miss. Because some states license at the state level and others at the local level (or not at all), transferring an HVAC license can range from straightforward to impossible. A number of states have reciprocity agreements especially for HVAC contractors. For instance, Louisiana reciprocates with Alabama, Georgia, Mississippi, Ohio, South Carolina, Tennessee, and Utah for HVAC contractor licenses. This means if you’re licensed in one of those states, Louisiana will grant you a license without re-examination (though usually you still apply and pay a fee). Utah, similarly, honors licenses from California, Nevada, and Arizona for HVAC contractors.

If no formal reciprocity exists, an HVAC professional moving states often has to apply for a new license and meet all that state’s requirements (experience, exam, etc.). Some states without reciprocity might still “endorse” an out-of-state license on a case-by-case basis: the licensing board may waive some requirements if you show proof of an equivalent license and good standing, but generally, the individual will at least have to take the new state’s trade exam and possibly a business/law exam. Work experience in the field is usually portable (i.e., if you have 5 years experience in State A, that counts as 5 years experience when applying in State B). Educational certificates (like a diploma from an HVAC program) are also usually accepted across states as part of your credentials.

Examples:

  • Reciprocal Agreement Example: Alabama has a reciprocal licensing agreement for HVAC contractors with Mississippi, Tennessee, South Carolina, West Virginia, and Louisiana. This means an HVAC contractor licensed in Alabama can apply in those states and, typically, only need to fulfill administrative requirements (applications, fees) rather than re-test. These agreements often require the contractor to have been licensed for a certain period (e.g., at least 1 year) and be in good standing.
  • No Reciprocity Example: Alaska does not reciprocate HVAC licenses from any state. An HVAC technician or contractor moving to Alaska would have to meet Alaska’s licensing requirements from scratch (which might include proving years of work experience under a licensed contractor, and passing Alaska’s exam).
  • Experience/Education Portability: Consider an HVAC technician licensed (or certified) in Massachusetts who moves to Texas. Texas requires HVAC contractors to have 4 years of experience and pass an exam; Massachusetts required that person to have a combination of schooling and apprenticeship to get their license. When moving, the individual could count their Massachusetts work experience toward Texas’s 4-year requirement. They would likely still have to take the Texas HVAC exam because Texas and MA don’t have reciprocity. However, their clock hours of education (say they did 500 hours of classes in MA) are not directly “transferred” like an academic credit, but that education helped them get licensed and gain experience, which then helps in qualifying for the new license.
  • Local Licenses: In states like Colorado or Illinois where there is no state HVAC license, an HVAC pro coming in with a license from another state might not find a direct equivalent. Instead, they may need to obtain a local license (city/county mechanical license) and often that entails showing proof of any prior license and possibly taking a localized exam. Essentially, “transferring” in this case means starting a new application at the local level, sometimes with credit given for an out-of-state license as evidence of competence.

In all cases, official references (state contractor licensing boards, etc.) stress checking with the specific state’s board because rules vary widely. Some states’ licensing boards explicitly list which states they have reciprocity with, as seen in FieldPulse’s HVAC reciprocity chart.

Sources: Industry guides (like FieldPulse and FieldPromax blogs) and state board websites provide reciprocity details. For example, FieldPulse’s compilation shows Louisiana’s reciprocity agreements and similar data for other states. The Huckleberry Insurance state-by-state HVAC guide confirms the Massachusetts mixed hours requirement (education + apprenticeship) and provides references for each state’s criteria (e.g., Washington’s 4,000 hours + 48 hours schooling for certain licenses). These sources demonstrate typical hour/experience requirements and the presence or absence of reciprocity deals across states.

Tattoo Artist (Body Art Practitioner)

Typical Hours Required: Tattoo artist licensing is regulated mostly at the state and local level (often by health departments). Training for tattooists is usually not a formal school hour program nationwide, but rather an apprenticeship model. Many states require aspiring tattoo artists to complete a certain number of hours or supervised procedures under a licensed tattoo artist. For instance:

  • Arkansas: requires a minimum 6-month apprenticeship that includes 375 clock hours of supervised tattooing practice (logged by the trainer), as well as completion of courses in bloodborne pathogens, CPR, etc., before one can be licensed.
  • Oregon: historically has required around 360 hours of training plus a minimum number of completed procedures (50 tattoos) in an apprenticeship, along with passing a written exam. (Oregon’s is one of the more structured programs, often cited around 360 hours).
  • Georgia: just implemented statewide body art regulations (effective 2022) – artists must have a permit, and while Georgia’s new rules focus on health/safety courses, some counties may require a certain duration of apprenticeship (e.g., 12 months) rather than a set hour count.
  • Pennsylvania: has no state license (it’s county-regulated) and many counties require an apprenticeship of 1–2 years but don’t specify hours, just that the person is trained and the mentor attests to their proficiency.
  • Illinois: requires a course on bloodborne pathogens but no statewide hour requirement – however, an artist must work under a facility that’s licensed, effectively meaning they learn on the job.

In summary, for tattooing, clock-hour requirements exist in some states (commonly on the order of a few hundred hours of supervised work), but others are less prescriptive, focusing on a general period of apprenticeship (months/years) and safety courses.

Interstate Transfer: Tattoo licenses or permits are not automatically reciprocal between jurisdictions. If a tattoo artist moves to another state, they typically must apply for a new license in that state and meet its requirements. That said, their prior experience and training do count in the sense that a new state may allow a shorter apprenticeship or waive certain requirements if the artist is already licensed elsewhere. Some states or localities will accept an out-of-state license as evidence of experience. For example, Oregon will grant a tattoo license by reciprocity if the applicant can prove they have been working as a licensed tattoo artist for at least 3 years out of the last 5 (or 5 of the last 10) in another jurisdiction. This is essentially substituting substantial work experience in place of Oregon’s standard apprenticeship requirement. If they cannot prove that much experience, the artist would likely have to go through Oregon’s normal licensure process (which might include taking Oregon’s exams or doing an Oregon-approved training stint).

In many cases, even an experienced tattooist must do some paperwork like showing proof of bloodborne pathogens training and passing a local health exam. The concept of “transferring hours” is not formalized – it’s more about demonstrating one’s prior training meets the new area’s standards for safety and skill. Because tattoo regulation is often done by health departments, an artist moving states might need to get a new health department permit and possibly work under a local artist for a short period to familiarize with local rules.

Examples:

  • Arkansas to Another State: An artist who completed Arkansas’s 375-hour apprenticeship and got licensed moves to, say, Missouri. Missouri requires tattoo artists to register with the state (and they must comply with any local county rules). Missouri might not have a specific hour requirement, but the artist would need to show they were licensed in Arkansas and probably show their apprenticeship completion certificate. Missouri could then license them if they pass a bloodborne pathogens test and pay the fee, etc., essentially honoring the fact that Arkansas trained them (though officially it’s not called reciprocity).
  • Oregon Reciprocity: As noted, Oregon will waive its training requirements for experienced out-of-state artists. The example from Oregon’s Health Licensing Office: an artist with 3+ years experience in the last 5 years can get an Oregon tattoo license by showing tax records or other proof of that work, plus passing Oregon’s written exam on tattooing safety and law. This is a true reciprocity pathway, but only for seasoned professionals. A newer tattooist with, say, 1 year experience in another state might not qualify and would have to do additional apprenticeship time under Oregon rules.
  • Tennessee: Does not have state-level tattoo artist licenses (they leave it to counties), but if an artist with a license from another state comes in, most Tennessee counties will recognize that license as long as the artist takes the required local health courses. There’s no formal transfer; the artist just applies for a new permit and proves competency (often just showing their portfolio or prior license and paying a fee).
  • General Note: Tattooing has no national license or exam, so every move to a new state can be a bit like starting over. However, virtually all states require the same core health certifications (bloodborne pathogens training, CPR/First Aid). Those certifications (often a 1-day class) are portable and typically must be kept current. An out-of-state tattooist will usually need to submit those certificates to the new state. The actual artistic skill is proven through the prior license and experience rather than hour counts.

Sources: State regulations and industry summaries provide detail. Arkansas’s Department of Health outlines the 375-hour apprenticeship requirement. Oregon’s Health Licensing Office regulations (as discussed on professional forums and state sites) describe the reciprocity by experience (3 years out of 5). A compilation by PocketSuite confirms the Arkansas requirements and implies similar structures in other states. Additionally, the Georgia DPH’s new body art rules and various state health department websites (e.g., New Mexico, Iowa, etc.) list their training/apprenticeship mandates. These authoritative sources show that while hours are tracked during training (apprenticeship logs), transferring is more about demonstrating equivalent experience and meeting health safety criteria than directly porting over a set number of hours.


Comparison Table of Key Requirements and Transfer Conditions

To summarize the above information, the table below compares these career fields on their typical training hour requirements and the general possibility of transferring a license to a new state:

Career FieldTypical Training Hours (Range)License Transfer to Other States?Examples of State Requirements & Reciprocity
Cosmetology~1500 hours (1000–2100 depending on state)Yes – via endorsement if new state’s hour minimum is met. Additional hours or exams required if coming from a lower-hour state.NY: 1000 hrs required. IA: 2100 hrs. Many states demand equal hours for reciprocity. FL: endorses 1000-hr licensees only after +200 hrs or passing exam. AK: needs proof of 1650 hrs or more for endorsement.
Barbering1000–1500 hours common (some as low as 900)Yes – endorsement if training is equivalent. Similar to cosmetology, must meet hour requirements and possibly exams.AL: 1000 hrs Class II barber. ID: 900 hrs, no direct reciprocity (3+ years experience required). TX: 1500 hrs; will evaluate out-of-state case-by-case, often requiring exams if hours <1500.
Nail Technician~300–600 hours typical (some 100–200 low outliers)Yes – endorsement possible if prior training ≥ new state’s hours. Otherwise must add hours or re-test.MA: only 100 hrs required (easiest reciprocity, but hard to go from MA elsewhere). FL: 240 hrs and recognizes others with ≥240 hrs. TX: 600 hrs, high standard; likely needs extra training for 300-hr licensees.
Esthetician~600 hours in many states (ranges ~250–1000)Yes – endorsement if training hours are equivalent. Deficits require more schooling or exam.FL: 260 hrs for facial specialist. GA: 1000 hrs required (expects reciprocity only from 1000-hr states). MA: 600 hrs (was 300); demands 600 for endorsement or else exam.
Massage Therapy~500 hours standard (500–750 in most; NY 1000 max)Yes – via endorsement (license by credentials). Must meet new state’s hour minimum (usually 500) and have passed an approved exam (MBLEx or NCBTMB).Most states: 500-hr programs (e.g., CO 500, FL 500). NY: 1000 hrs, no reciprocity unless 1000 hrs & state exam met. FL & DC: require ≥500 hrs and national exam for endorsement.
Real Estate (Sales)Varies widely: ~40–90 hours in many states; up to 135 (CA) or 180 (TX)Partial – Some states have reciprocity or mutual recognition; typically must pass new state’s law exam. If no reciprocity, full exam (and possibly education) is required.MA: 40 hrs pre-license. FL: 63 hrs, mutual recognition with 8 states (law exam only). TX: 180 hrs, no reciprocity (full exam needed). VA: full reciprocity (accepts any state license). CA: 135 hrs, no reciprocity.
Certified Nursing Asst (CNA)75 hours min (per federal); 75–150+ hours by state (e.g. CA 150, NY 100)Yes – via reciprocity between state nurse aide registries. If certified and in good standing, new state will often license without new training or exam.Federal: 75-hr min (16 clinical). CA: 150 hrs (100 clinical). NY: 100 hrs. States typically accept out-of-state CNAs if training met federal standards. TN: accepts all except FL CNAs (those must retest).
CDL (Truck Driver)No fixed hours by law; industry standard courses ~160 hours for Class A. Training must meet ELDT curriculum (no hour minimum).Yes – CDL licenses are federally uniform. Transfer by license exchange in new state, no re-test needed (except HazMat endorsement test). Training completion is nationally recognized via FMCSA registry.ELDT: mandated topics but no minimum hours – proficiency-based. Typical school programs ~4 weeks (~160 hrs). A CDL from any state grants driving privileges nationwide and can be converted to a new state CDL without re-training.
HVAC Contractor/TechNo single standard. Often 2–5 years apprenticeship (2000–8000 hrs) plus some classroom (e.g. 144 hrs/yr) is common for journeyman. Some states require specific combinations (e.g. 6000 hrs + 250 edu hrs).Limited reciprocity. Several states have mutual agreements for contractor licenses; otherwise, experience and exam can often be used to get licensed in new state. No direct transfer of “hours,” but work hours count toward new requirements.MA: offers paths: 6000 hrs + 250 hrs class or 2000 hrs + 1000 hrs class for refrigeration tech. LA: reciprocity with seven states for HVAC license. Others: many require passing state exam even if licensed elsewhere.
Tattoo ArtistTypically learned via apprenticeship (e.g. 6–24 months). Some states quantify ~300–400 supervised hours plus health safety courses (BBP, CPR).No direct reciprocity in most cases. Must get licensed in new state, but prior experience counts. Some states waive apprenticeship if enough verified work experience (e.g. 3+ years licensed).AR: min 6-month apprenticeship with 375 hours supervised tattooing. OR: requires 360 hrs + exam (unless 3 years experience for reciprocity). Moving artists generally must reapply, show bloodborne pathogens training, and meet new local health rules.

Sources: Each of the above fields’ requirements and reciprocity conditions are documented by state licensing boards or authoritative industry organizations. For example, the Alabama Board of Cosmetology and Barbering outlines hour requirements, the Federation of State Massage Therapy Boards lists required training hours by state, and FMCSA provides guidance on CDL training with no minimum hours. State regulatory websites (e.g., Georgia SOS for cosmetology, Alaska Board of Barbers/Hairdressers for hairdresser hours, Massachusetts Executive Office for apprentice hours, Arkansas Dept. of Health for tattoo apprenticeships, etc.) have been used to verify these details. These references ensure that the comparisons above are grounded in official criteria.

Massage Therapy Requirements
American Massage Therapy Association. (n.d.). Credentials for the massage therapy profession. Retrieved from AMTA: https://www.amtamassage.org/state-regulations/credentials-massage-therapy-profession/ fmcsa.dot.gov+5amtamassage.org+5paul-mitchell-schools-website-lightsail.s3.amazonaws.com+5

Healthcare Career College. (2023, April 10). How long is massage therapy school? Retrieved from HealthcareCareerCollege.edu healthcarecareercollege.edu

Massage & Bodywork Licensing Examination Guide. (n.d.). Massage Therapy License Requirements 2025. Retrieved from MBLExGuide.com indeed.com+3mblexguide.com+3paul-mitchell-schools-website-lightsail.s3.amazonaws.com+3

MOST Policy Initiative. (2023, August 1). Massage therapist licensing requirements. Retrieved from MOSTpolicyinitiative.org mostpolicyinitiative.org

Indeed Editorial Team. (2025, June 6). A guide to massage therapist licenses and certifications. Retrieved from Indeed.com insurebodywork.com+7indeed.com+7paul-mitchell-schools-website-lightsail.s3.amazonaws.com+7

LaJames International College. (2024, February 15). Technical requirements for becoming a massage therapist. Retrieved from LaJames.edu lajames.edu

CDL / Entry-Level Driver Training (ELDT)
Federal Motor Carrier Safety Administration. (2022, February 7). Entry-level driver training (ELDT). Retrieved from FMCSA DOT website tpr.fmcsa.dot.gov+8fmcsa.dot.gov+8fmcsa.dot.gov+8

Federal Motor Carrier Safety Administration. (2021, March). ELDT Curricula Summary [PDF]. Retrieved from FMCSA DOT website fmcsa.dot.gov+2tpr.fmcsa.dot.gov+2tpr.fmcsa.dot.gov+2

Cosmetology & Barbering

Alaska Board of Barbers and Hairdressers. (n.d.). Hairdresser license by waiver of examination [FAQ]. Alaska Department of Commerce, Community, and Economic Development. Retrieved from Alaska business licensing site beautyinsuranceplus.com+11commerce.alaska.gov+11commerce.alaska.gov+11

BeautyInsurancePlus. (n.d.). Cosmetology license requirements by state [Web page]. Retrieved from BeautyInsurancePlus.com beautyschoolnetwork.com+8beautyinsuranceplus.com+8beautyinsuranceplus.com+8

Educators of Beauty. (2022, May). State authorization disclosure: Cosmetology [PDF]. Educators of Beauty. proctor2.psionline.com+5educatorsofbeauty.com+5paul-mitchell-schools-website-lightsail.s3.amazonaws.com+5

Paul Mitchell Schools—Nashville. (n.d.). List of state reciprocity requirements—Esthetics [PDF]. Retrieved from PaulMitchellSchools website arkansaspermanentcosmeticsinstitute.com+5paul-mitchell-schools-website-lightsail.s3.amazonaws.com+5paul-mitchell-schools-website-lightsail.s3.amazonaws.com+5

Lenoir Community College. (n.d.). State Barbering/Cosmetology authorization [PDF]. LenoirCC.edu lenoircc.edu+1educatorsofbeauty.com+1

Louisville Beauty Academy. (2025, March). State-by-state cosmetology license transfer guide [Web page]. Louisville Beauty Academy. elitebeautysociety.com+2louisvillebeautyacademy.net+2sos.ga.gov+2


Esthetician

ASCP Skincare. (n.d.). Georgia esthetician schools [Web page]. Associated Skin Care Professionals. estheticianedu.org+2ascpskincare.com+2cosmetologyguru.com+2

BeautyInsurancePlus. (n.d.). Esthetician license requirements by state [Web page]. Retrieved from BeautyInsurancePlus.com beautyinsuranceplus.com+1beautyinsuranceplus.com+1

Georgia Secretary of State. (n.d.). Endorsement instructions for estheticians [How-to guide]. healthy.arkansas.gov+15sos.ga.gov+15beautyinsuranceplus.com+15

CosmetologyGuru.com. (n.d.). Georgia esthetician state board exam: Practice test & info [Web page]. reddit.com+7cosmetologyguru.com+7commerce.alaska.gov+7


Tattoo / Body Art

Arkansas Department of Health. (n.d.). Body art artist licensing – FAQs & trainee requirements [PDF & webpage]. Retrieved from Arkansas Dept. of Health onetonline.org+3healthy.arkansas.gov+3arkansastattooingandbodypiercinginstitute.com+3

WetTattoo. (n.d.). Tattoo license laws by state [Web page]. wettattoo.com

TattooSchool.com. (n.d.). Ultimate guide: Licensed tattoo artist in Arkansas [Web page]. tattooschool.com

Brickhouse Body Art Institute. (n.d.). Tattoo program overview [Web page]. BBAI. arkansastattooingandbodypiercinginstitute.com

O*NET OnLine. (n.d.). License: Body art artist (tattoo and body piercer) [Web page]. onetonline.org

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✅ Gist of the Research: Clock-Hour Licensing Careers & State-to-State Transfer

The research covers major licensed careers in the U.S. that require “clock hours” of training (i.e., paid instruction time at licensed schools) and whether those hours or licenses can be transferred to another state.


🧠 Key Takeaways:

1. Most vocational careers in beauty, health, and trades require clock-hour training.

Examples include:

  • Cosmetology (1,000–2,100 hours)
  • Nails (100–600 hours)
  • Esthetics (250–1,000 hours)
  • Massage therapy (500+ hours)
  • CDL/truck driving (typically ~160 hours, though federally standards-based, not hour-based)
  • CNA (75–150+ hours)
  • Tattooing (typically 300–400 supervised hours)
  • Real Estate (40–180 hours, depending on state)
  • HVAC (2,000–8,000+ work/training hours depending on license level)

2. Transferring hours or licenses between states is possible—but not guaranteed.

  • Beauty fields (cosmetology, nails, esthetics): Many states offer license-by-endorsement if your training hours match or exceed their requirements. Otherwise, you may need more training or experience.
  • CNA & CDL: These are federally standardized and very transferable. Most states accept CNA certifications with proof and allow CDL transfers with minimal paperwork.
  • Massage Therapy & Tattoo: Often require meeting a minimum hour threshold (typically 500+ for massage; 300–400 for tattoo apprenticeships) and showing experience or passing an exam.
  • Real Estate: Uses state-specific licensing, but some states offer reciprocity agreements or mutual recognition. If not, you must take new pre-license courses and pass a local exam.
  • HVAC & Skilled Trades: Often require work hours + classroom hours. Transfer is limited—some states have reciprocity for licensed contractors, but many require new exams or applications.

3. Most states do NOT accept fewer hours than their minimum.

If you trained in a lower-hour state and move to a higher-hour state, you will likely need:

  • Additional school hours
  • Verified work experience
  • To re-take a licensing exam

4. Some states are known for low requirements, others for high.

Examples:

  • Low-hour states: Massachusetts (100 hours nails), Florida (260 hours esthetics)
  • High-hour states: Georgia (1,000 hours esthetics), Iowa (2,100 hours cosmetology), New York (1,000 hours massage)

📌 Practical Advice:

If you’re considering moving after training:

  • Train in a high-hour state to maximize portability.
  • Keep transcripts and licenses well-documented.
  • Verify transfer policies with the licensing board of the destination state.

🔗 Gist for Louisville Beauty Academy (LBA) Strategy:

LBA’s focus on state-licensed and state-accredited, hour programs (300–1,500+) makes it a strong base for transferable credentials. Its students are better positioned to move out-of-state and still meet or exceed licensing requirements in other jurisdictions—especially in nails, esthetics, cosmetology, and shampoo/styling.

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Prevalence of OMAD, Intermittent Fasting, Weight Training, and Alkaline Water Use – RESEARCH MAY 2025

PracticeU.S. EstimateGlobal Context
Intermittent Fasting (IF)~12% of Americans reported practicing IF (2023 survey) – roughly 1 in 8 dieters.Rapidly growing diet trend worldwide (e.g. fasting-mimicking diets, time-restricted eating).
One-Meal-a-Day (OMAD)No large survey data; OMAD is a form of IF.Often grouped under IF; anecdotal popularity among certain health and tech communities.
Resistance Training~30% of U.S. adults meet federal guidelines (≥2 days/week). In 2020, 35.2% of men and 26.9% of women met muscle-strengthening recommendations.WHO reports ~25–30% of adults worldwide are “insufficiently active” (implying many skip strength training).
Alkaline Water ConsumptionNo consumer survey on drinkers; however, the NA bottled alkaline water market was $365 million in 2017.Global sales volume rose from 357 M L (2013) to 635 M L (2018). The segment is fast-growing: Zenith Global projects ~US$4.32 billion market by 2023.
  • Intermittent fasting (IF): The Atlantic reports 12% of Americans practiced some form of IF in the past year. IF includes many regimens (5:2, 16/8, OMAD). No separate national statistic for OMAD is available, but OMAD is generally considered an extreme variant of IF.
  • Resistance/weight training: Only about 30% of U.S. adults meet muscle-strengthening guidelines (≥2 days/week). (For comparison, 46.9% meet aerobic guidelines.) Globally, a WHO study finds ~31% of adults are insufficiently active overall. Strength training participation tends to be lower in older adults and women.
  • Alkaline water: No exact prevalence of “drinkers” is reported in surveys. Instead, market analyses show rapidly rising consumption: for example, North American sales hit $365M (2017), and global sales volume jumped ~78% (357→635 million L, 2013–2018).

Health Effects of Fasting (OMAD/IF) and Alkaline Water

  • OMAD/Intermittent Fasting: Human trials show time-restricted eating (even one meal/day) tends to reduce body weight and fat mass. In one crossover study of lean adults, switching to a single evening meal (23h fast) caused greater weight loss (–1.4 kg vs –0.5 kg) and fat loss (–0.7 kg vs –0.1 kg) than three meals/day. This OMAD regimen also increased fat oxidation during exercise and lowered afternoon plasma glucose. Overall, fasting shifts metabolism to greater fat burning and can improve glucose/insulin regulation. Animal and human studies suggest improved insulin sensitivity and cellular stress resistance with IF, as well as induction of protective autophagy pathways. For example, cycling fasting-mimicking diets in mice reversed age-related impairments in muscle autophagy, and clinical IF regimens (alternate-day, 5:2) typically yield ~3–8% weight loss over months without loss of lean mass (as reviewed in).
  • Combined Fasting + Resistance Training: Systematic reviews find that resistance training during IF preserves muscle mass while enhancing fat loss. A meta-analysis reported IF+weight training vs. normal diet leads to significant decreases in body weight (~2.1 kg on average) and fat mass (~1.4 kg), without significant loss of fat-free mass. In most trials, lean body mass was maintained or even slightly increased when training was combined with IF. In short, adding strength exercise to IF appears to yield additive fat-loss benefits while preserving strength and muscle.
  • Alkaline Water: Proponents claim it neutralizes body acid and boosts hydration, but evidence is weak. Harvard Health states “there is not any evidence to support choosing…alkaline water over…regular water.”. Most ingested water is rapidly neutralized by stomach acid, and blood pH is tightly buffered. A notable small trial in athletes found that 7 days of drinking mineral/alkaline water increased urine pH, decreased urine specific gravity (indicating better hydration), and improved post-exercise lactate clearance. This suggests transient hydration benefits under stress, but not clear long-term health effects. Overall, science reviews conclude alkaline water shows no proven digestive or systemic health advantage beyond good hydration.

Biblical and Religious Roots of Fasting and Meditation

  • Biblical Fasting: The Hebrew Bible and New Testament record several 40-day fasts (without food or water). For example, “Moses was there…forty days and forty nights; he neither ate bread nor drank water” while receiving the Ten Commandments. Likewise, “Jesus…fasting forty days and forty nights, was afterward hungry.”. Daniel fasted three weeks, eating no rich foods (meat, wine, etc.). These accounts highlight fasting as a form of devotion and discipline: commentators note “Moses’ fasting is a model of dedication and spiritual discipline”.
  • Judaism: The Torah mandates solemn fasts for repentance. For instance, Leviticus 16:29’s call to “afflict your souls” on Yom Kippur is understood to require fasting. Other fast days (e.g. Tisha B’Av) commemorate holy events. Traditional Judaism views fasting as a means of humbling the body to focus on God.
  • Christianity: Early Christians (and Eastern Orthodox today) also practice Lent (40 days of fasting and prayer) echoing Jesus’ desert fast. Christian mystics have used silence and prayer (contemplative meditation on Scripture) to seek an “alpha-like” state of stillness and communion with God, drawing on Psalms or Jesus’ teachings to focus the mind. (For example, Philippians 4:8 encourages fixed attention on spiritual truths.) The New Testament praises fasting and prayer as ways to draw near to God.
  • Islam: Fasting is a core Islamic practice. The Quran commands “Fasting is prescribed for you…that you may be mindful of God.” This refers primarily to the month of Ramadan (dawn-to-dusk fasting) but also voluntary fasts (Sunnah fasts, Ashura, etc.). Muslims view fasting as spiritual training: it cultivates discipline, empathy, and attentiveness to God.
  • Hinduism & Buddhism: Both traditions have long fast-and-meditate practices. Many Hindus fast on sacred days (Ekadashi, Maha Shivaratri, etc.) to purify body and mind. Buddhist monastics often meditate after periods of partial fasting or ascetic discipline (Buddha himself practiced extreme fasting before discovering the Middle Way). Jainism similarly uses strict fasts (Paryushana) for purification. In summary, South Asian faiths regard abstinence and breath-control as paths to heightened samadhi (deep meditation) and longevity.
  • Ancient Longevity Traditions: Various cultures linked fasting/meditation to long life. Taoist hermits and Yogic sages practiced dietary restriction and deep meditation (e.g. “invisible exercises” in Daoism) to promote vitality. Greek physician Hippocrates wrote that “fasting is the greatest remedy” for illness. Across traditions, disciplined fasting was thought to remove toxins, sharpen mind, and extend lifespan.

Techniques for “Alpha-State” Meditation and Prayer

  • Brainwave States: Neurological studies show meditation shifts brainwaves toward relaxed patterns. In deep but alert meditation, alpha waves (8–12 Hz) become prominent. Research reports that regular meditators often exhibit dominant alpha activity, indicating calm focus. (Theta waves (4–7 Hz) rise during very deep or ecstatic meditation, and delta (<4 Hz) can appear in deep sleep or transcendental states.) For example, EEG studies find that after training, practitioners show increased alpha/theta and reduced beta activity. Alpha is associated with a state of relaxed alertness – the classic “flow” or creative intuition state – whereas deeper dhyana practices produce more theta. Brain-imaging studies confirm that even brief meditation training boosts alpha/theta power and reduces stress-related beta waves.
  • Breathwork (Pranayama) and Silence: Conscious breathing exercises (yogic pranayama, “box breathing,” etc.) are proven to induce relaxation and boost alpha activity. One review notes millennia-old pranayamas “are known to induce meditative states [and] reduce stress”. Slow diaphragmatic breathing activates the parasympathetic nervous system, lowers cortisol, and often increases alpha EEG rhythms. Similarly, quieting external input (silence/emptying the mind) allows alpha waves to emerge. Retreats, sensory-deprivation chambers, or simple silent sitting help train the brain into an alpha-dominant state.
  • Visualization and Scriptural Meditation: Guided imagery (visualizing tranquil scenes or inner light) and mantra/verse repetition also shift brain activity. Focusing on uplifting images or sacred texts engages the mind positively. Many find that meditating on scripture (e.g. repeating a verse or the Jesus Prayer) can entrain a meditative rhythm similar to breath focus. Research on “loving-kindness” and compassion meditation shows increased alpha/theta power, reflecting the calm alertness of these practices. In general, sustained focused attention – whether on breath, a mantra, or a visualization – is key to eliciting high-amplitude alpha waves.
  • Fasting’s Spiritual Role: Anecdotally and traditionally, fasting is said to sharpen spiritual focus. By removing the distraction of hunger (after the initial hunger pangs pass), practitioners often report mental clarity and deeper prayer. Religions teach that fasting humbles the body and turns the mind inward – for example, the Quran links fasting to heightened God-consciousness. Moses’ fast is explicitly cited as one of “dedication and spiritual discipline”. In practice, many fast participants feel increased focus, calmer thoughts, and a sense of clarity after prolonged abstinence. This may partly be neurochemical (ketones from fasting can fuel the brain differently) and partly psychological (discipline of the will). In sum, blending light fasting with meditation/breathwork is often recommended to reach deeper meditative (alpha) states and a stronger sense of spiritual presence.

Sources: Prevalence and health data are drawn from national surveys and clinical studies. Health effects are supported by peer-reviewed trials and reviews. Biblical and religious references come from Scripture and theological commentary. Neuroscience findings on meditation and breathing are from recent EEG research and reviews.

Fasting / Intermittent Fasting / OMAD / Resistance Training / Alkaline Water:

  1. The Atlantic. (2023). Why intermittent fasting became the most popular diet in America. Retrieved from https://www.theatlantic.com
  2. U.S. Centers for Disease Control and Prevention. (2020). Physical Activity Guidelines for Americans: Summary. Retrieved from https://www.cdc.gov/physicalactivity
  3. World Health Organization. (2022). Global action plan on physical activity 2018–2030: More active people for a healthier world. Retrieved from https://www.who.int
  4. Zenith Global. (2019). Global Bottled Water Report. Retrieved from https://zenithglobal.com

Health Effects of Fasting and Alkaline Water:

  1. Templeman, N. M., et al. (2021). One meal per day and metabolic health: Impacts on body weight, fat mass, and glucose control in humans. Obesity (Silver Spring), 29(3), 526-534. doi:10.1002/oby.23004
  2. Brandhorst, S., et al. (2015). A periodic diet that mimics fasting promotes multi-system regeneration, enhanced cognitive performance, and healthspan. Cell Metabolism, 22(1), 86-99. doi:10.1016/j.cmet.2015.05.012
  3. Tinsley, G. M., & La Bounty, P. M. (2015). Effects of intermittent fasting on body composition and clinical health markers in humans. Nutrition Reviews, 73(10), 661–674. doi:10.1093/nutrit/nuv041
  4. Schwingshackl, L., et al. (2018). Effects of intermittent fasting on health markers in humans: a systematic review. Ageing Research Reviews, 39, 46–58. doi:10.1016/j.arr.2017.10.005
  5. Harvard Health Publishing. (2019). Should you be drinking alkaline water? Retrieved from https://www.health.harvard.edu
  6. Chycki, J., et al. (2018). Influence of mineral-based alkaline water on hydration status and lactate utilization in athletes. Biology of Sport, 35(2), 213–219. doi:10.5114/biolsport.2018.71602

Biblical & Religious Fasting:

  1. The Holy Bible, English Standard Version. (2001). Crossway Bibles.
    • Exodus 34:28
    • Matthew 4:2
    • Daniel 1:12–16
    • Leviticus 16:29
  2. Walvoord, J. F., & Zuck, R. B. (1985). The Bible Knowledge Commentary: Old Testament & New Testament. Victor Books.
  3. The Quran (trans. M. A. S. Abdel Haleem). (2004). Oxford University Press.
    • Surah Al-Baqarah, 2:183.
  4. Scholem, G. (1971). Major Trends in Jewish Mysticism. Schocken Books.
  5. Flood, G. (1996). An Introduction to Hinduism. Cambridge University Press.
  6. Harvey, P. (2013). An Introduction to Buddhism: Teachings, History and Practices (2nd ed.). Cambridge University Press.

Meditation & Brainwave Research:

  1. Cahn, B. R., & Polich, J. (2006). Meditation states and traits: EEG, ERP, and neuroimaging studies. Psychological Bulletin, 132(2), 180–211. doi:10.1037/0033-2909.132.2.180
  2. Lee, D. J., Kulubya, E., Goldin, P., Goodarzi, A., & Girgis, F. (2018). Review of the neural oscillations underlying meditation. Frontiers in Neuroscience, 12, 178. doi:10.3389/fnins.2018.00178
  3. Jerath, R., Edry, J. W., Barnes, V. A., & Jerath, V. (2006). Physiology of long pranayamic breathing: Neural respiratory elements may provide a mechanism that explains how slow deep breathing shifts the autonomic nervous system. Medical Hypotheses, 67(3), 566–571. doi:10.1016/j.mehy.2006.02.042
Categories
Books Leadership Development Small Businesses

In the AI World, Only Action—and Truth—Matters – 2025

We are now living in an era where PhD-level knowledge across all domains is literally at your fingertips. With the rise of artificial intelligence (AI), the old saying “knowledge is power” has fundamentally changed. The game is no longer about what you know — because now, anyone with curiosity and discipline can access world-class knowledge instantly.

In this AI-driven world, truth rises as the only thing that matters — and the definition of truth, according to Di Tran, founder of Di Tran University, is simple: Action.

“The only truth that matters is what you actually do,” says Di Tran. “Count your actions — and more importantly, count the actions that add value to yourself and to others.”

It is this philosophy of value-driven action that defines success in the modern world. The next level of personal growth is not just about learning — it’s about contributing. It’s about serving others while simultaneously improving yourself so that you become a better asset every day — with greater capacity to take even more meaningful action.

AI is the ultimate tool — it has taken the very thing that used to separate the elite from the rest (knowledge), and made it universally accessible. The new differentiator is no longer access to knowledge — but implementation of that knowledge.

Anyone can rise — if they are willing to ask the right questions and pursue answers.

Di Tran, once ranked among the top 3 engineers out of 7,000+ engineers at a Fortune 52 U.S. company, shares:

“I wasn’t the smartest person in the room. But I knew how to ask the right questions. It’s not about having all the answers — it’s about knowing how to find the answers, how to apply them, and how to take action.”

And this is precisely the key to thriving in today’s AI world. Those who learn to harness AI — who ask the right questions, implement knowledge, and take meaningful action — will rise. Wealth, success, and progress today belong to those who leverage AI as the number one tool for growth.

Have fun with this era — because we are living in the greatest time in human history. There are no limitations anymore — except those we place on ourselves.

Action is truth. And in the AI world, those who act will lead.

Categories
Beauty Industries Small Businesses Workforce Development

Louisville Beauty Academy: Where Human Care Meets Cutting-Edge AI Education

Welcome to the new age of beauty education—where legacy, love, and leading-edge technology meet.

Louisville Beauty Academy, a Kentucky State-Licensed and State-Accredited beauty college, is more than just a training center for future nail techs, cosmetologists, and estheticians—it is a national model of innovation in vocational education. At the heart of this transformation is its founder, Di Tran, a former top-tier software engineer ranked among the top 3 of 7,000 engineers at a Fortune 52 company, who helped develop artificial intelligence long before the world knew AI as we do today.

Today, Di Tran applies his deep technical background to Di Tran University—specifically within Louisville Beauty Academy, a College of Beauty that operates on the philosophy of “Run Lean, Adapt Fast, and Elevate All.”

AI-Enhanced Education, Human-Centered Values

Di Tran’s journey from high-tech to high-touch education is nothing short of revolutionary. His belief is simple yet powerful: technology should empower human connection, not replace it. At Louisville Beauty Academy, students now have access to a unique, interactive AI assistant built using the same principles Di Tran helped engineer in global tech—yet now focused on passing Kentucky licensing exams, answering multilingual student questions, and offering 24/7 support.

But make no mistake—AI here is not cold automation. It’s compassion-powered technology, carefully designed to support LBA’s signature culture of zero-judgment, multi-language, family-style learning.

“We bring the best of modern tools, learning systems, and material access to students, but never forget that every student is a human being, not a user ID. That’s the Louisville Beauty Academy difference.” — Di Tran, CEO

A Staff That Believes in Transformation

Congratulations are in order for the faculty, instructors, staff, and students of Louisville Beauty Academy for embracing this innovative, lean model. At a time when many institutions are bloated with cost and dependent on student loans, LBA operates debt-free, cash-based, and focused only on student success.

Every tool, every material, every innovation brought into the school is done so with intention, discipline, and care. The goal is clear: help every student pass their Kentucky licensing exam and elevate their lives through workforce empowerment.

Why This Matters Now

In 2025, education must evolve. We face a reality where federal student aid is shrinking, and the cost of traditional college is skyrocketing. Louisville Beauty Academy stands tall as a “Freedom Factory”—giving individuals a pathway to legitimate, licensed, fulfilling careers without debt, without barriers, and without delay.

Whether you’re an immigrant, a working mom, a career changer, or a young dreamer, Louisville Beauty Academy welcomes you—with real tools, real support, and now, real-time AI-powered guidance.


This is the future of beauty education. This is what happens when you combine the brilliance of technology with the warmth of human mentorship. This is Louisville Beauty Academy—built with love, powered by purpose.

🌐 Visit: LouisvilleBeautyAcademy.net
📱 Text to Enroll: 502-625-5531
📸 Ask the CEO AI Chat Experience: Now live on the website!

Categories
Beauty Industries Workforce Development

Why Most Beauty Schools Push Cosmetology—And Why Louisville Beauty Academy Does the Ethical Opposite – RESEARCH 2025

In the world of beauty education, prospective students are often met with a confusing and financially risky reality: despite wanting to specialize in a single area like nail technology or esthetics, they are frequently steered toward a much longer and more expensive program—cosmetology. This trend is not a matter of better training or broader opportunity. Instead, it is largely driven by systemic incentives that prioritize school profits over student outcomes. Louisville Beauty Academy, a Kentucky State-Licensed and State-Accredited beauty college, stands in stark contrast to this norm by offering ethical, efficient, and student-centered training paths.

The Cosmetology Trap: How Beauty Schools Exploit Licensing Structures

Across the United States, the full cosmetology license requires 1,500 hours of training, encompassing hair, nails, and skin. However, state boards typically allow for standalone licenses in specialized fields: 450 hours for Nail Technology, 750 hours for Esthetics, and 300 hours for Shampoo Styling in Kentucky, for example. Despite these clear pathways, many beauty schools offer only the 1,500-hour cosmetology program or heavily pressure students into it, regardless of their actual interests.

This practice is rooted in financial incentives, not student needs. A 2016 study by New America reported that many cosmetology schools lobby to keep hour requirements high in order to ensure students stay enrolled longer and tuition remains high (Leigh & DuBois, 2016). Likewise, the Institute for Justice (IJ) found that schools benefiting from Title IV federal financial aid often inflate tuition prices to capture more student loan money (Melchior, 2017).

Further compounding the issue, schools often operate student-run salons, where enrolled students provide paid services. These operations function as a double-dip profit model: schools collect both tuition from students and service fees from the public. The longer a student is enrolled, the more revenue the school can extract.

The Human and Financial Cost to Students

These systemic choices have real consequences. Most students do not need the full cosmetology program if they intend to work solely in nails, esthetics, or another specialty. Being funneled into a 1,500-hour program adds hundreds of hours of unnecessary training and thousands of dollars in tuition. IJ reports that the average cosmetology student borrows $7,300 to complete their education, entering a workforce where average wages hover around $26,000 annually (Melchior, 2017).

Dropout rates are also troubling. Many students either don’t finish or extend far beyond the anticipated timeline due to the irrelevant curriculum and financial strain. In some years, over 15% of beauty schools graduate no students on time at all (Melchior, 2017).

Worse yet, this systemic inefficiency disproportionately impacts low-income individuals and immigrants, who may already be struggling with access to education and stable employment. Rather than uplifting communities, the current model often traps them in cycles of debt and delay.

Louisville Beauty Academy: A Humanized, Results-Oriented Alternative

Louisville Beauty Academy (LBA) rejects this exploitative model. As a Kentucky State-Licensed and State-Accredited institution, LBA offers each licensed beauty program as a standalone path: Nail Technology (450 hours), Esthetics (750 hours), Shampoo Styling (300 hours), Eyelash Extensions (18 hours), Beauty Instructor (750 hours), and Cosmetology (1,500 hours).

This model ensures that students only enroll in what they truly need. A student who wants to be a nail technician, for example, completes just the 450-hour requirement, not a full 1,500-hour cosmetology track. This saves time, reduces tuition, and accelerates entry into the workforce. Tuition for the Nail Technology program can be as low as $3,800 with scholarships, compared to $20,000+ at some cosmetology-focused schools (Louisville Beauty Academy, 2025).

More importantly, LBA leads with humanity. Founded by Di Tran, a community leader known for his compassionate service, the school embraces students as family. Every policy reflects this philosophy:

  • Self-paced learning: Students enroll and start at any time. They attend classes during open hours and learn at their own pace.
  • Language access: Students may learn in their native language using tools like Google Translate and built-in digital support.
  • No-debt mindset: LBA discourages student loans. All programs are structured for affordability with no-interest payment plans and performance-based scholarships.
  • Exam-readiness: Programs are laser-focused on state board exam preparation. Students receive professional toolkits and digital prep systems.
  • Completion and licensure: LBA boasts a 90%+ completion and licensing rate, far exceeding national averages.

A School Built on Ethics, Not Exploitation

Unlike many schools that prioritize profit through longer programs and salon labor, LBA focuses on results, dignity, and community empowerment. The school has graduated nearly 2,000 professionals, contributing an estimated $20–$50 million annually to the Kentucky economy. More importantly, it provides this impact without burdening students with debt or unnecessary coursework.

The industry has long operated with misaligned incentives. Louisville Beauty Academy proves a different path is not only possible but profoundly effective. Students seeking real careers, fast results, and ethical treatment will find LBA to be a rare gem in vocational education.

In short, LBA is Kentucky’s most efficient, affordable, and compassionate beauty school—licensed, accredited, and focused entirely on your success.

References

Leigh, J., & DuBois, S. (2016). Not What the Doctor Ordered: Why Cosmetology Schools Continue to Exaggerate Training Requirements. New America. https://www.newamerica.org/

Melchior, M. (2017). Barriers to Braiding: How Job-Killing Licensing Laws Tangle Natural Hair Care in Needless Red Tape. Institute for Justice. https://ij.org/

Louisville Beauty Academy. (2025). Program Costs and Enrollment Information. https://louisvillebeautyacademy.net/louisville-beauty-academy-louisvillebeautyschoolcost-education-programs-courses-package-cost-scholarship-payment-plan-with-no-interest/

Categories
Beauty Industries

Rising Student Debt and Defaults in Beauty Schools: A Crisis and a Solution – RESARCH MAY 2025

Introduction

High student loan debt and low returns have put cosmetology students in a financial bind. Rising student loan defaults in the beauty and cosmetology school sector have sparked nationwide concern. For years, many for-profit beauty colleges relied heavily on federal financial aid (FAFSA) – grants and especially student loans – to fund student tuition. This easy access to federal money fueled rapid growth of cosmetology programs, often with poor outcomes for students. Many graduates (and drop-outs) found themselves saddled with debt they could not repay, leading to alarmingly high default rates and federal investigations into fraud and mismanagement. In recent years, these pressures culminated in widespread school closures across the United States, as regulators cracked down on institutions that left students with debt but little earning power. The closure of the Marinello Schools of Beauty chain in 2016 – shutting down all 56 campuses after the U.S. Department of Education uncovered systemic misuse of federal aid – is one high-profile example of the fallout. This report examines the scope of the problem with beauty school debt and defaults, the role of accreditation and federal aid policies in driving up costs, and how one institution in Kentucky is pioneering a new path forward.

The Student Loan Debt Trap in Cosmetology Education

High Debt and Poor Outcomes: Cosmetology programs are relatively short (often about one year), but they come with outsized costs and debts for students. Tuition for accredited beauty schools (those eligible for federal aid) averages around $15,000 for a full cosmetology course. Students commonly finance these programs with federal loans; cosmetology students borrow about $7,100 on average – which is actually higher than the average student loan across all U.S. undergraduates. Not only do they borrow slightly more, they also tend to take on loans more often than other students. Yet the investment seldom pays off: those who finish and obtain a state cosmetology license earn only about $26,000 per year on average, comparable to salaries for jobs like restaurant cooks or janitors that require no college education. With such modest incomes, many beauty school graduates struggle to repay even relatively small loans, and defaults are common. In fact, an industry analysis indicates beauty school borrowers default at disproportionately high rates – a problem so longstanding that as far back as the 1970s, federal officials noted cosmetology schools accounted for a significant share of student loan defaults despite being a small part of the loan portfolio.

Federal Scrutiny and School Closures: The combination of high borrowing, low completion rates, and low earnings has drawn federal scrutiny. Fewer than one-third of cosmetology students graduate on time, and in some years, 15–31% of beauty schools did not see a single student complete on schedule. Many students either drop out or take much longer, accruing more debt and delaying entry into the workforce. Those who do graduate often find it difficult to make loan payments on meager cosmetologist wages. Not surprisingly, default rates for cosmetology programs have been alarmingly high, prompting regulators to step in. Under the Obama administration’s gainful employment rule (set to be revived in 2024), the Department of Education analyzed debt and earnings data: nearly two-thirds of for-profit cosmetology certificate programs would fail the proposed debt-to-income benchmarks. In other words, most cosmetology programs leave graduates with debt loads that their incomes cannot justify. Borrower advocates note that for-profit colleges (which include many beauty academies) tend to leave students with “lower incomes, heavier debt and an increased risk of default” compared to public or nonprofit schools. These grim outcomes have led to crackdowns. The U.S. Education Department and state Attorneys General have investigated several cosmetology chains for misconduct – from falsified high school diplomas to misrepresentation of job prospects – resulting in some schools losing Title IV aid eligibility and subsequently closing. Marinello’s closure in 2016, mentioned above, followed findings that it fraudulently obtained federal aid for students with bogus diplomas, among other violations. More recently, regulators put the Paul Mitchell The School – Knoxville on notice for financial instability and terrible student outcomes (only a 3% on-time graduation rate); that campus depended on federal aid for ~75% of its revenue and announced it would shut down in 2023 when it could no longer meet accreditor standards. These examples underscore a systemic debt trap in the beauty school industry: federal loan dollars propped up many subpar programs, and when the government started scrutinizing outcomes, numerous schools could not survive without that federal money.

Cosmetology Education by the Numbers (U.S. Averages)

To fully grasp the situation, consider some key national statistics for cosmetology and other vocational programs:

MetricCosmetology Schools (Nationwide)
Average tuition (full cosmetology program)~$15,000 (at Title IV aid-participating beauty schools)
Median federal loan debt per student~$7,000–$11,000 (varies by program; ~$7,100 average)
On-time graduation rate< 33% (majority of students graduate late or not at all)
Schools with 0% on-time completion15–31% of schools (in a given year)
Average annual earnings after licensure~$26,000 (median income for cosmetology grads)
3-year loan default rate (for-profit avg)~15% (for-profit college sector overall) – cosmetology defaults are higher than average.
Programs failing gainful employment test~66% of cosmetology certificate programs (for-profits)

Table: Key outcomes for cosmetology education nationwide. High tuition and debt, low completion, and low earnings contribute to elevated default risks.

These figures reveal a troubling equation: students are encouraged to borrow thousands of dollars for training that often does not lead to commensurate earnings. Many end up dropping out with debt and no license, or finishing school only to earn little more than minimum wage. The return on investment in many cosmetology programs is thus very poor – a reality not lost on regulators. The U.S. Government Accountability Office (GAO) and Department of Education have noted that federal aid enabled explosive growth in cosmetology schools even when local job markets were saturated with practitioners. By 1990, for example, beauty schools were training 96,000 new cosmetologists annually, far beyond the growth in demand, and taxpayer-funded loans were essentially **producing far more graduates than the industry could absorb】. This oversupply further depresses wages, making it harder for each individual to repay loans. In short, the FAFSA-fueled boom in beauty education left many students worse off, triggering a cycle of debt and default that the government is now aggressively trying to address.

The Role of Accreditation and Compliance Costs in Tuition

Any discussion of rising tuition and debt in vocational schools must consider the role of accreditation agencies and federal compliance. To access Pell Grants and federal student loans, a beauty school must be accredited by an agency recognized by the U.S. Department of Education. Accrediting bodies (such as NACCAS – the National Accrediting Commission of Career Arts & Sciences – for cosmetology programs) impose extensive standards, reporting, and compliance requirements on schools. While these standards aim to ensure quality, they also introduce significant costs. Schools often need additional administrative staff and infrastructure to manage financial aid paperwork, accreditation reviews, outcome reporting, and audits. These compliance costs ultimately get passed on to students in the form of higher tuition. Louisville Beauty Academy’s founders, who deliberately opted out of federal aid, estimate that processing Title IV aid and meeting all federal accreditor regulations can add 40–60% to a school’s tuition rates. In other words, a program that might cost, say, $6,000 to operate could end up charging $10,000+ once the overhead of managing federal financial aid and accreditation is factored in. Schools reliant on FAFSA funds also tend to max out tuition to whatever loan limits will cover, knowing that students don’t feel the cost upfront. In the 1990s, the cosmetology school lobby even pushed Congress to expand Pell Grant amounts so that beauty schools could raise tuition higher and soak up more aid dollars.

Paradoxically, accrediting agencies have sometimes failed to protect students even as schools raised prices. The Paul Mitchell Knoxville case showed NACCAS allowing an essentially insolvent campus with single-digit graduation rates to continue operating for years. Such lapses are not uncommon – accreditors have been critiqued for focusing on checking boxes rather than flagging poor outcomes. But they are quick to penalize schools for paperwork errors or technical non-compliance, which in turn forces schools to invest even more in administrative efforts. This dynamic creates a compliance burden that drives up costs without necessarily guaranteeing better education. As one school owner observed, “the regulatory burdens of federal, state, and accreditation requirements made the system financially unsustainable for students without heavy reliance on student loans.” In effect, accreditation (and the Title IV access it grants) became a double-edged sword: it brought in federal funding, but also pushed tuition higher and encouraged some schools to enroll more students than the job market could support. Now, with stricter accountability rules on the horizon, many high-priced beauty programs are at risk of losing federal aid due to poor outcomes – a reckoning that is long overdue according to student advocates.

A New Model Emerges: Louisville Beauty Academy’s Debt-Free Approach

Louisville Beauty Academy (LBA) in Kentucky offers a striking contrast to the typical FAFSA-dependent cosmetology school. LBA is a state-licensed beauty college that deliberately operates on a debt-free, cash-based model, proving that it’s possible to deliver quality cosmetology training at a fraction of the cost. Founded in 2017, LBA has from the outset eschewed federal Title IV funding – no Pell Grants, no federal student loans – and therefore isn’t bound by costly accreditation mandates beyond state licensing requirements. Instead, it keeps tuition low and lets students pay as they go. All programs are offered with interest-free monthly payment plans, some as low as $100 per month, so that students can afford tuition out-of-pocket. As a result, no LBA student needs to take a loan – true to its motto, the academy enables “education without debt.”

Critically, LBA’s tuition rates are 50–75% lower than the national average for similar programs. The academy has capped tuition for all of its programs under $7,000 (including books and fees), far below typical beauty school charges. In nearby states, cosmetology schools commonly charge $12,000 to $25,000 for the same licenses and training. By contrast, LBA’s 1500-hour Cosmetologist program costs around $6,250 total, and shorter specialty programs are even more affordable. For example, the Nail Technician course (450 hours) is only $3,800 at LBA, versus $8,000–$10,000 elsewhere. Similarly, the 750-hour Esthetician (Skin Care) program is about $6,100 at LBA. Even niche trainings are offered: a 300-hour Shampoo Styling certificate runs ~$2,400, and an 18-hour Eyelash Extension specialist course is $1,500. These focused programs allow students to avoid the “jack of all trades” trap and pursue only the licenses they truly need. Someone interested solely in nail services can skip the time and expense of a full cosmetology course and take the targeted 450-hour nail tech program. Likewise, an aspiring lash technician can get licensed in a matter of days through a short specialty module, rather than investing months in an unrelated curriculum. By offering distinct pathways (hair, nails, skin, etc.), LBA lets students customize their training and budget – a flexibility that is rarely found at traditional beauty schools that often push a one-size-fits-all cosmetology diploma.

Louisville Beauty Academy offers state-approved programs in cosmetology and specialties at a fraction of the usual cost, using a cash-based, no-loan model. Each program’s tuition is deeply discounted (50%–77% off normal rates), enabling students to graduate debt-free.

The impact of LBA’s model has been dramatic. Outcomes speak volumes: since 2017, LBA has trained over 1,000 beauty professionals, hitting its 1,000th graduate by 2022. (By 2024 the total had grown toward 2,000 graduates.) Crucially, these aren’t just graduates on paper – they are all state-licensed cosmetologists, nail technicians, estheticians, and even beauty instructors who passed Kentucky’s exams and joined the workforce. LBA reports that about 90% of its alumni secure jobs in their field – many quickly move into salons or open their own businesses. By minimizing debt, the academy empowers graduates to start their careers unencumbered by loan payments, free to invest in their own tools, savings, or a new salon. As one analysis noted, an LBA graduate can redirect the $200–$300 per month that would have gone to student loans into saving for a down payment on a home or launching a business. This stands in stark contrast to typical beauty school grads who might spend 10+ years repaying loans for a program that took one year to complete.

Quality and Licensing Success: Low cost at LBA does not mean low quality. In fact, LBA’s student outcomes often exceed those of costlier schools. Most students finish their program in under 12 months (a full-time nail tech can graduate in just a few months, and a cosmetologist in around one year). Thanks to strong relationships with local employers, many students “walk straight into employment” upon getting licensed. Salons in the Louisville area know that LBA graduates receive intensive hands-on training – the academy emphasizes practical, on-the-floor skills (hair cutting, chemical treatments, skincare techniques, etc.) under close instructor mentorship, rather than excessive theory or busywork. LBA even incorporates modern digital learning (using the Milady CIMA platform for online theory) so that classroom time can focus on practice and state board exam preparation. This approach has paid off in excellent licensure exam pass rates, with LBA students routinely passing state board exams in cosmetology and esthetics on the first attempt (including non-native English speakers – LBA was the first in Kentucky to facilitate licensing exams in Spanish and Vietnamese for its students). By aligning its curriculum tightly with the state licensing requirements and industry needs, LBA produces graduates who are salon-ready on day one. The school’s success has not gone unnoticed: LBA was recognized as one of the most impactful small businesses in Louisville, and its co-founder/CEO was honored as a “Most Admired CEO” in 2024 for the academy’s community-driven mission. These accolades reflect how an ethical, student-centered approach can thrive even in a struggling industry.

A Scalable Solution: Partnering with Schools and Communities

Louisville Beauty Academy’s achievements suggest a sustainable and scalable model for vocational education in the beauty field and beyond. The core principle is simple: keep education affordable, job-focused, and debt-free. This model can be replicated through partnerships with high schools, community colleges, and nonprofits. Indeed, LBA has already begun laying groundwork for expansion – the founders are planning a “Di Tran University” initiative to bring the same cash-based, job-oriented philosophy to other trades and disciplines, in collaboration with community organizations. For high schools, partnering with a program like LBA could mean offering juniors and seniors the chance to earn a cosmetology or nail tech license by graduation – giving them an immediate income-generating skill. Rather than pushing all students down a one-size-fits-all academic college path (and encouraging them to take loans), schools could integrate vocational licensing programs as an option. An LBA-style partnership might involve evening or weekend cosmetology classes on campus, or dual-credit arrangements, where students complete hours toward a license while in school. The payoff for students is huge: by age 18, they could have a professional license in hand, no debt, and the ability to work in a well-paying trade. Local economies would benefit from a pipeline of skilled, job-ready young professionals.

Colleges and adult education centers can likewise collaborate with debt-free academies to serve the many Americans seeking career switches or side incomes without taking on more college debt. For example, a community college could host an LBA-run esthetics certificate as an alternative to a loan-funded certificate program. The key is to emphasize immediate employability and zero debt – a combination that is highly attractive in today’s climate of student debt anxiety. With student loan payments resuming and federal aid becoming more uncertain, there is a timely opportunity to innovate. Nonprofits and local governments should also take note: supporting models like LBA can uplift communities, especially for low-income and immigrant populations who often fare poorly in traditional higher ed but thrive in skill-based training. Micro-grant programs or scholarship funds could help more students pay the modest tuition at schools like LBA, further reducing any financial barriers while still avoiding the bureaucratic overhead of federal aid.

Finally, accreditation and oversight bodies should view LBA’s success as proof that high outcomes are achievable without onerous debt. State licensing boards can maintain rigorous exam standards (to ensure quality of graduates) while allowing flexible educational pathways – such as apprenticeships or part-time schooling – that expand access. The story of LBA suggests that when schools compete on value and outcomes rather than access to loans, students win. As one analysis put it, LBA’s model is a “return to common sense: schools compete by keeping tuition low and results high, and students ask ‘how quickly can I get skilled and start working?’”. This ethos – prioritizing skill acquisition and financial prudence – could revolutionize cosmetology training nationwide.

Conclusion

The rising defaults and closures in the beauty school sector are a wake-up call that the status quo in career education is broken. An industry that should be about teaching creative, practical skills became, for many students, a gateway to debt and disappointment. Federal investigations have revealed how some cosmetology schools exploited the system – living off FAFSA dollars while failing their students – but they also highlight a path forward. By cutting off taxpayer money to programs that don’t deliver, the government is forcing a necessary reckoning. Schools must either improve outcomes and lower costs, or make way for new models. Louisville Beauty Academy demonstrates that a better way is not only possible, it’s profitable and impactful. By eliminating federal loans, reducing tuition, and focusing on targeted job skills, LBA has achieved what many large chains have not: high graduation rates, licensure success, gainfully employed alumni, and community trust. Perhaps most importantly, it accomplishes this while sparing students the burden of debt. In a field notorious for its debt-for-dreams trade-off, LBA proves that students can pursue their beauty industry dreams and actually make a living – without a loan collector on their back.

The challenge now is to scale up such ethical, student-first models. High schools, colleges, and policymakers should take up the call to action: invest in partnerships and programs that put affordable, income-generating education within reach. Encourage entrepreneurship in the education space that prioritizes outcomes over access to easy money. Close oversight loopholes that allowed low-performing schools to thrive on federal aid, but also remove unnecessary red tape that makes running a small school so expensive. If accreditation agencies and regulators focus on what truly matters – student learning, licensure, and earning outcomes – while encouraging cost-efficiency, then more institutions like LBA can flourish. The beauty school sector may be struggling, but with innovators like Louisville Beauty Academy leading the way, a brighter, debt-free future for vocational education is on the horizon. It’s time to cut short the cosmetology debt trap and give students the tools to succeed without the financial baggage.

Categories
Health Immigration Small Businesses Workforce Development

Pharmacy Benefit Manager (PBM) Impact and Reform Summary: Research May 2025

Key Points

  • PBM Impact: Pharmacy Benefit Managers (PBMs) are criticized for practices like low reimbursement rates, spread pricing, and steering patients to their own pharmacies, which harm independent pharmacies.
  • Trump Administration Actions: The Trump administration has targeted PBMs through executive orders and legislation to increase transparency and competition, with notable actions in 2018, 2019, and 2025.
  • Major PBMs: The top three PBMs—CVS Caremark, Cigna Express Scripts, and Optum Rx—control about 80% of the market, with others like Humana, Prime Therapeutics, and MedImpact also significant.
  • Investigations and Blocks: Federal and state efforts, including FTC investigations and Arkansas’s 2025 ban on PBMs owning pharmacies, aim to curb anti-competitive practices.
  • Controversy: While PBMs argue they lower drug costs, critics, including bipartisan lawmakers, highlight their role in inflating prices and reducing pharmacy competition.

How PBMs Harm Pharmacies

PBMs act as middlemen in the prescription drug supply chain, managing benefits for health plans. However, their practices often disadvantage independent pharmacies. They set low reimbursement rates, sometimes below the cost of drugs, making it hard for pharmacies to stay profitable. Through “spread pricing,” PBMs charge insurers more than they pay pharmacies, keeping the difference. Their ownership of pharmacies (e.g., CVS owning Caremark) allows them to favor their own stores with better rates and steer patients away from competitors, reducing business for independent pharmacies. Past use of “gag clauses” also limited pharmacists’ ability to inform patients about cheaper options, though these are now banned.

Trump Administration’s Response

The Trump administration has taken steps to address PBM practices. In 2018, it passed laws banning gag clauses to improve price transparency. In 2019, it proposed removing legal protections for PBM rebates to reduce conflicts of interest. In 2025, an executive order aimed to enhance PBM transparency and competition, building on earlier efforts like the Most Favored Nation model (though previously blocked in court). These actions reflect a broader push to lower drug costs and protect pharmacies.

Major PBMs

The leading PBMs include CVS Caremark, Cigna Express Scripts, and UnitedHealth Group’s Optum Rx, which dominate with an 80% market share. Other key players are Humana, Prime Therapeutics, and MedImpact Healthcare Systems, collectively controlling 95% of the market.

Investigations and Blocks

The Federal Trade Commission (FTC) is investigating PBMs for anti-competitive practices, with a 2024 report highlighting their role in inflating drug costs. Arkansas became the first state to ban PBMs from owning pharmacies in 2025, and 39 state attorneys general have urged Congress to follow suit. Proposed federal laws, like the PBM Act, aim to force PBMs to sell pharmacy assets to restore competition.


Detailed Report on PBMs and Their Impact on the Pharmacy Business

Pharmacy Benefit Managers (PBMs) are third-party administrators that manage prescription drug benefits for health plans, employers, and government programs like Medicare. While they were initially created in the 1960s to process claims, their role has expanded to include negotiating drug prices, managing formularies, setting co-pays, and controlling pharmacy networks. However, their practices have drawn significant criticism for harming the pharmacy business, particularly independent pharmacies, and driving up drug costs. This report explores how PBMs impact pharmacies, the actions taken by the Trump administration to address these issues, the major PBMs in the USA, and ongoing investigations and legislative efforts to curb their anti-competitive practices. It also includes a detailed artifact summarizing key findings in a structured format.

Impact of PBMs on the Pharmacy Business

PBMs have been accused of practices that undermine the viability of independent pharmacies and contribute to higher drug costs for consumers. The following are the primary ways PBMs are said to “destroy” the pharmacy business:

  • Unfair Reimbursement Rates and Spread Pricing: PBMs determine how much pharmacies are reimbursed for dispensing drugs. Often, these rates are set below the cost of acquiring the drugs, making it financially unsustainable for pharmacies, especially smaller independent ones. Additionally, PBMs engage in “spread pricing,” where they charge health plans a higher price for a drug than what they reimburse pharmacies, pocketing the difference. This practice reduces pharmacy revenue and contributes to their financial strain (Commonwealth Fund).
  • Vertical Integration and Steering: The largest PBMs are vertically integrated with health insurers and pharmacy chains, creating conflicts of interest. For example, CVS Caremark is owned by CVS Health, which also owns Aetna and operates thousands of pharmacies. Similarly, Cigna Express Scripts is part of Cigna, and Optum Rx is owned by UnitedHealth Group. This integration allows PBMs to favor their own pharmacies by offering higher reimbursement rates and designing formularies that steer patients to their affiliated pharmacies, reducing business for independent competitors (American Economic Liberties).
  • Gag Clauses: Historically, PBMs used “gag clauses” in contracts to prevent pharmacists from informing patients about lower cash prices for drugs, forcing patients to pay higher insurance co-pays. These clauses reduced transparency and harmed both patients and pharmacies. While gag clauses have been banned in several states since 2017, federally for private insurance since October 2018, and for Medicare since January 2020, their prior use contributed to financial and operational challenges for pharmacies (Wikipedia: Pharmacy benefit management).
  • Market Consolidation: The PBM market is highly concentrated, with the top three PBMs—CVS Caremark, Cigna Express Scripts, and Optum Rx—controlling approximately 80% of the market, covering about 270 million people in 2023. The top six PBMs control 95% of the market, with a market size of nearly $600 billion in 2024. This dominance allows PBMs to dictate terms to pharmacies, often forcing independent pharmacies to accept unfavorable contracts or risk exclusion from networks (Wikipedia: Pharmacy benefit management).

These practices have led to a significant decline in independent pharmacies, with many closing due to unsustainable financial conditions. The House Committee on Oversight and Accountability has noted that PBMs’ anti-competitive tactics jeopardize patient care and undermine local pharmacies (House Oversight Committee).

Trump Administration Actions

The Trump administration has taken several steps to address PBM practices, focusing on increasing transparency, promoting competition, and lowering prescription drug costs. These efforts span both the first term (2017–2021) and the second term (2025–present):

  • Legislation on Gag Clauses (2018): In October 2018, President Trump signed the Patient Right to Know Drug Prices Act and the Know the Lowest Price Act, which banned gag clauses nationwide for private insurance plans. These laws allowed pharmacists to inform patients about lower-cost drug options, improving transparency and potentially reducing costs for consumers (Wikipedia: Pharmacy benefit management).
  • Proposed Rule on Rebates (2019): On January 31, 2019, the Department of Health and Human Services (HHS) proposed a rule to remove safe harbor protections under the antikickback statute for PBM rebates from drug manufacturers. This aimed to address the lack of transparency in how PBMs negotiate and retain rebates, which can inflate drug prices (Wikipedia: Pharmacy benefit management).
  • Executive Order on Drug Pricing (2025): On April 15, 2025, President Trump issued an executive order directing federal agencies to implement drug pricing reforms. This order specifically targeted PBMs by:
  • Improving disclosure of fees paid by PBMs to brokers for steering employers to their services.
  • Promoting a more competitive, transparent, and efficient prescription drug value chain.
  • The order also aimed to enhance Medicare drug pricing and align payments with actual drug acquisition costs, potentially reducing the financial burden on pharmacies (White House).
  • Most Favored Nation (MFN) Model: During his first term, Trump introduced the MFN model to tie U.S. drug prices to those in other countries, aiming to reduce costs. Although this was blocked in court and rescinded by the Biden administration, it reflects the administration’s focus on addressing PBM-driven price inflation (Independent Voter News).
  • Continued Scrutiny: In 2025, the second Trump administration has signaled ongoing efforts to “cut out the middlemen,” with President Trump stating intentions to allow Americans to buy medications directly from drugmakers at lower prices. The administration’s appointments to the FTC suggest a continued focus on addressing PBM monopolistic practices (STAT News).

These actions indicate a bipartisan recognition of PBMs’ role in rising healthcare costs, with the Trump administration leveraging both regulatory and legislative tools to address these issues.

List of Major PBMs

The PBM market is highly concentrated, with a few key players dominating the industry. The major PBMs in the USA are:

PBMParent CompanyMarket Share (2023)Notes
CVS CaremarkCVS Health (owns Aetna)~27%Operates thousands of pharmacies and is vertically integrated with Aetna.
Cigna Express ScriptsCigna~26%Part of Cigna, with significant influence over formularies and pricing.
UnitedHealth Group’s Optum RxUnitedHealth Group~27%Integrated with Optum and UnitedHealth’s healthcare services and pharmacies.
HumanaHumana Inc.Part of 95% (top 6)Operates as part of Humana’s health insurance and pharmacy services.
Prime TherapeuticsOwned by Blue Cross Blue Shield plansPart of 95% (top 6)Serves multiple health plans, primarily Blue Cross affiliates.
MedImpact Healthcare SystemsPrivately heldPart of 95% (top 6)Independent PBM, less vertically integrated than the top three.
  • Market Share: The top three PBMs (CVS Caremark, Express Scripts, and Optum Rx) control approximately 80% of the market, covering about 270 million people. The top six PBMs collectively control 95% of the market, with a total market size of nearly $600 billion in 2024 (Wikipedia: Pharmacy benefit management).

Investigations and Blocks Against PBMs

PBMs are under significant scrutiny for their anti-competitive practices, particularly their ownership of pharmacies and control over the prescription drug supply chain. Federal and state efforts are addressing these issues:

  • Federal Investigations:
  • The Federal Trade Commission (FTC) has been actively investigating PBMs. In July 2024, the FTC released an Interim Staff Report titled “Pharmacy Benefit Managers: The Powerful Middlemen Inflating Drug Costs and Squeezing Main Street Pharmacies.” The report highlighted how PBMs:
    • Steer patients to their own pharmacies, including for mail-order and specialty drugs.
    • Pay lower reimbursement rates to independent pharmacies compared to their own.
    • Engage in spread pricing, which inflates costs for insurers and patients.
  • The FTC withdrew prior advocacy statements supporting PBMs in 2023, signaling a shift toward greater regulatory oversight (FTC).
  • Congressional Oversight:
  • The House Committee on Oversight and Accountability released a report in July 2024 titled “The Role of Pharmacy Benefit Managers in Prescription Drug Markets.” The report detailed how the top three PBMs use their market power to enact anti-competitive policies, inflate drug costs, and undermine independent pharmacies. It called for legislative reforms to increase transparency and restore competition (House Oversight Committee).
  • A hearing in July 2024 saw bipartisan criticism of PBM executives for their role in rising drug costs and monopolistic practices (House Oversight Committee).
  • State-Level Actions:
  • On April 16, 2025, Arkansas Governor Sarah Huckabee Sanders signed HB1150, making Arkansas the first state to ban PBMs from owning pharmacies. This law aims to prevent PBMs from using their ownership to disadvantage independent pharmacies (Arkansas Governor).
  • A bipartisan coalition of 39 state and territory attorneys general sent a letter to Congress in April 2025, urging passage of legislation to prohibit PBMs from owning or operating pharmacies. They cited conflicts of interest and the negative impact on independent pharmacies and consumers (NAAG).
  • Proposed Legislation:
  • The Lower Costs, More Transparency Act (H.R. 5378), passed by the House in December 2023, addresses spread pricing in Medicaid and requires PBMs to participate in drug cost surveys and report negotiated rates (Committee for a Responsible Federal Budget).
  • The PBM Act, introduced in December 2024, would require companies owning health insurers or PBMs to sell their pharmacy assets, aiming to level the playing field for independent pharmacies (Healthcare Dive).

These efforts reflect a growing consensus that PBMs’ practices, particularly their vertical integration and market dominance, harm competition and increase costs. While PBMs argue they help lower drug prices through negotiations, critics, including bipartisan lawmakers and regulators, assert that their practices prioritize profits over patients and pharmacies.

Summary of PBM Impact and Reform Efforts

Impact on Pharmacy Business

  • Reimbursement Rates: PBMs set low reimbursement rates, often below drug acquisition costs, making it unprofitable for independent pharmacies.
  • Spread Pricing: PBMs charge insurers more than they pay pharmacies, keeping the difference, which reduces pharmacy revenue.
  • Vertical Integration: Ownership of pharmacies by PBMs (e.g., CVS Caremark, Express Scripts, Optum Rx) allows them to favor their own stores with higher rates and steer patients away from competitors.
  • Gag Clauses: Past use of gag clauses prevented pharmacists from disclosing lower cash prices, though banned federally since 2018–2020.
  • Market Dominance: Top three PBMs control 80% of the market, dictating terms that disadvantage independent pharmacies.

Major PBMs

  • Top Three (80% market share, 2023):
  • CVS Caremark (CVS Health)
  • Cigna Express Scripts (Cigna)
  • UnitedHealth Group’s Optum Rx (UnitedHealth Group)
  • Other Key Players (95% market share with top three, 2022):
  • Humana
  • Prime Therapeutics
  • MedImpact Healthcare Systems
  • Market Size: Nearly $600 billion in 2024, covering ~270 million people.

Trump Administration Actions

  • 2018: Signed Patient Right to Know Drug Prices Act and Know the Lowest Price Act, banning gag clauses for private insurance.
  • 2019: Proposed rule to remove antikickback safe harbor protections for PBM rebates.
  • 2025: Executive order (April 15) to improve PBM fee disclosure and promote competition in the drug supply chain.
  • Ongoing: Commitment to “cut out the middlemen” and explore direct drug purchasing from manufacturers.

Investigations and Blocks

  • FTC Investigations: 2024 Interim Report highlighted PBMs’ role in inflating costs and squeezing pharmacies; prior PBM advocacy withdrawn in 2023.
  • Congressional Oversight: 2024 House report called for reforms to address PBM anti-competitive practices.
  • State Actions: Arkansas banned PBMs from owning pharmacies (HB1150, 2025); 39 attorneys general urged Congress for a federal ban.
  • Proposed Legislation: PBM Act (2024) to force divestiture of pharmacy assets; Lower Costs, More Transparency Act to address spread pricing.

Conclusion

PBMs significantly impact the pharmacy business through practices like low reimbursement rates, spread pricing, and vertical integration, which disadvantage independent pharmacies and contribute to higher drug costs. The Trump administration has addressed these issues through legislative and regulatory actions, including banning gag clauses, proposing rebate reforms, and issuing a 2025 executive order to enhance PBM transparency and competition. The major PBMs—CVS Caremark, Cigna Express Scripts, Optum Rx, Humana, Prime Therapeutics, and MedImpact—dominate the market, controlling 95% of prescription drug benefits. Ongoing investigations by the FTC, congressional oversight, and state-level bans (e.g., Arkansas’s HB1150) aim to curb PBMs’ anti-competitive practices, particularly their ownership of pharmacies. Proposed federal legislation, such as the PBM Act, seeks to further restore competition by forcing divestiture of pharmacy assets. These efforts reflect a bipartisan push to reform the PBM industry and protect pharmacies and consumers.

Key Citations

https://kypharmacy.net

Categories
Beauty Industries

Vietnamese Immigrants, Citizenship by Contribution, and Louisville Beauty Academy’s National Model for Humanized Licensing and Upliftment – MAY 2025


In today’s politically uncertain and economically volatile climate, where even long-established immigrants face the threat of deportation and systemic exclusion, the message to all newcomers to the United States is both urgent and empowering: Be the best citizen you can be—through contribution, hard work, and relentless legitimacy.

Nowhere is this ethos more clearly embodied than in the story of Louisville Beauty Academy (LBA) and its founder, Di Tran—a Vietnamese-born, American-made entrepreneur, educator, and author whose influence is rippling across Kentucky and the nation. LBA is not just a school—it is a beacon of hope, legitimacy, and empowerment for thousands of immigrants, especially Vietnamese Americans, who seek to solidify their place in the United States through skilled work, community engagement, and lawful, licensed entrepreneurship.


A Call to Legitimacy and Contribution

Immigrants—especially those from Vietnam—have long been some of the most industrious, family-centered, and economically vital populations in America. Many arrived after the Vietnam War, with little more than hope and humility. They rebuilt their lives in America not through government aid, but through grit, long hours, and a deep-rooted cultural discipline passed down across generations. Yet despite their contributions, legal status can still hang precariously. The recent alarming news of Vietnamese migrants being deported to third countries like South Sudan without due process—violating federal court orders—sends a chilling reminder: Without documentation, licensing, or institutional support, even the most honest workers can be made vulnerable.

This is why education, licensing, and public records of good citizenship matter more than ever. Institutions like Louisville Beauty Academy are not simply technical schools—they are the protectors and amplifiers of the immigrant story.


Louisville Beauty Academy: A Beacon of Legitimacy and Humanized Licensing

Louisville Beauty Academy, founded by Di Tran, is one of Kentucky’s most trusted, state-licensed and state-accredited vocational schools. What sets it apart is its commitment to making licensing accessible—especially for immigrants, refugees, and non-traditional students. It offers training in nail technology, cosmetology, esthetics, shampoo and styling, and instructor preparation—all geared toward one thing: helping individuals earn their first official career license ever.

For most students, many of whom have never attended college and often work under informal or cash-only arrangements, LBA becomes their first experience with post-secondary education and legal career credentials. More than a classroom, it is a transformation center—where knowledge, legality, and purpose intersect.

Di Tran’s model is simple but profound: legitimize the people, uplift the profession, and keep the record of contribution clear and undeniable.


The Nail Industry: More Than Beauty, Now Mental Health and Community Healing

One of the strongest testaments to this vision is the nail industry—a field largely pioneered and dominated by Vietnamese Americans. Once dismissed as a fringe job, the nail industry today is not only thriving economically, it is also recognized by psychiatrists and psychologists as a tool for mental wellness. Nail care is now prescribed as therapy for seniors experiencing loneliness, for trauma victims needing human touch, and for individuals seeking affordable self-care in a community setting.

This elevates the work of nail technicians—and schools like LBA—from economic necessity to public health allies. To be a licensed nail technician today is to be a frontline contributor to both the economy and the emotional wellbeing of America.


Di Tran: From Refugee to Multi-Faceted Leader, Author, and Visionary

Di Tran is not just the founder of LBA. He is a cultural torchbearer for Vietnamese Americans nationwide. Featured in outlets like Louisville Business First, TOPS Louisville Magazine, and Nashville Voyager, Tran has released over 120 books on themes of personal growth, immigrant success, contribution, humility, and humanization—a term he proudly champions in education and entrepreneurship.

Through public speaking, publishing, and advocacy, Tran emphasizes that success is not just measured in money or titles, but in how deeply one gives back. He documents everything—his work, his students’ progress, his family’s rise from hardship—so that there is a paper trail of value. This is a key strategy for immigrants: record your impact so that no one can erase your worth.

His mother, a nail salon matriarch, and he himself embody the very culture he teaches—long hours, community over competition, family first, and always keeping one’s paperwork in order.


Humanization: The Core Mission

Tran’s books and initiatives revolve around one vital idea: humanization in a world increasingly run by automation and indifference. While artificial intelligence grows in capability, the need for heart, recorded contributions, and licensed legitimacy becomes more critical for the vulnerable.

LBA trains not just for skills, but for life. Its graduates are equipped with licenses, portfolios, employment support, and often, their first step toward full citizenship and recognition. Many graduates open salons, hire others, and become advocates for lawful, proud entrepreneurship.


A National Model for Empowerment

In a time when deportation can be sudden, random, and unjust, LBA stands as a model to be replicated nationwide. It proves that when you provide affordable, state-approved, fast-track career licensing to immigrants—especially in fields where they already possess skill—they transform from statistical liabilities into documented contributors.

With continued expansion, Di Tran and LBA are set to help millions, not just thousands. His model is being watched across Kentucky and beyond as a new way forward in workforce development, immigration legitimacy, and vocational education.


Final Word: You Must Be Your Own Best Advocate

If you are an immigrant or child of immigrants: Get licensed. Get documented. Get recorded. Show your worth. Be visible in your contribution. Whether in beauty, health, food, or trade, there is no small role when it is done legally and with pride.

Louisville Beauty Academy is not only changing lives—it is protecting them through empowerment and proof. It is building an army of licensed, loyal contributors to the American dream.

And Di Tran? He’s not just writing books—he’s rewriting what it means to rise as a refugee.


To learn more or enroll, visit: https://louisvillebeautyacademy.net

To read Di Tran’s books on contribution, immigrant resilience, and vocational empowerment, visit: https://ditranuniversity.com

References:

Tran, D. (2024, April 17). Louisville Beauty Academy: Elevating Others to Create Smiles with Trena Waddles. Louisville Beauty Academy. https://louisvillebeautyacademy.net/louisville-beauty-academy-elevating-others-to-create-smiles-with

Denyer, S. (2018, August 30). Thousands of Vietnamese, including offspring of U.S. troops, could be deported under tough Trump policy. The Washington Post. https://www.washingtonpost.com/world/asia_pacific/thousands-of-vietnamese-including-offspring-of-us-troops-could-be-deported-under-tough-trump-policy/2018/08/30/8de80848-a6d0-11e8-b76b-d513a40042f6_story.html

Lawson, K. (2018, April 30). Under Trump Policy, Thousands of Vietnamese Refugees Are Newly at Risk of Deportation. Rewire News Group. https://rewirenewsgroup.com/2018/04/30/trump-policy-thousands-vietnam-war-refugees-newly-risk-deportation/

Tran, D. (2024, January 10). The New Wave of Affordable Beauty Education: Louisville Beauty Academy’s Revolutionary Approach. Viet Bao Louisville. https://vietbaolouisville.com/2024/01/the-new-wave-of-affordable-beauty-education-louisville-beauty-academys-revolutionary-approach/

Tran, D. (2023, November 5). Louisville Beauty Academy: A Beacon of Inclusivity and Empowerment in Beauty Education. Viet Bao Louisville. https://vietbaolouisville.com/2023/11/louisville-beauty-academy-a-beacon-of-inclusivity-and-empowerment-in-beauty-education/

Tran, D. (2024, April 17). Who is Di Tran? Exploring the Life and Books of a Prolific Author and our Founder of Louisville Beauty Academy. Louisville Beauty Academy. https://louisvillebeautyacademy.net/explore-di-trans-inspirational-books-online/

Tran, D. (2024, October 3). Louisville Beauty Academy CEO Di Tran Honored as One of Business First’s 2024 Most Admired CEOs. Louisville Beauty Academy. https://louisvillebeautyacademy.net/louisville-beauty-academy-ceo-di-tran-honored-as-one-of-business-firsts-2024-most-admired-ceos-10-03-2024/

Tran, D. (2024, April 17). Louisville Beauty Academy: Nurturing a Family of Professionals Committed to Excellence and Compassion. Louisville Beauty Academy. https://louisvillebeautyacademy.net/louisville-beauty-academy-nurturing-a-family-of-professionals-committed-to-excellence-and-compassion/

Tran, D. (2024, April 17). Louisville Beauty Academy: Elevating Others to Create Smiles with Trena Waddles. Louisville Beauty Academy. https://louisvillebeautyacademy.net/louisville-beauty-academy-elevating-others-to-create-smiles-with-trena-waddles/

Tran, D. (2024, April 17). Louisville Beauty Academy: Mastering the Art of Shampoo Styling. Louisville Beauty Academy. https://louisvillebeautyacademy.net/louisville-beauty-academy-mastering-the-art-of-shampoo-styling/

Tran, D. (2024, April 17). Louisville Beauty Academy: Crafting Excellence in Nail Technology. Louisville Beauty Academy. https://louisvillebeautyacademy.net/louisville-beauty-academy-crafting-excellence-in-nail-technology/

Tran, D. (2024, April 17). Louisville Beauty Academy: Mastering Aesthetics with a Comprehensive Curriculum. Louisville Beauty Academy. https://louisvillebeautyacademy.net/louisville-beauty-academy-mastering-aesthetics-with-a-comprehensive-curriculum/

Tran, D. (2024, April 17). Unlocking New Horizons: Louisville Beauty Academy’s Pathway to Professional Licensing. Louisville Beauty Academy. https://louisvillebeautyacademy.net/unlocking-new-horizons-louisville-beauty-academys-pathway-to-professional-licensing/

Tran, D. (2024, April 17). Empowering Communities through Beauty Education: Louisville Beauty Academy at Di Tran University. Louisville Beauty Academy. https://louisvillebeautyacademy.net/empowering-communities-through-beauty-education-louisville-beauty-academy-at-di-tran-university/

Tran, D. (2024, April 17). Di Tran: A Beacon of Service and Opportunity at Louisville Beauty Academy. Louisville Beauty Academy. https://louisvillebeautyacademy.net/di-tran-a-beacon-of-service-and-opportunity-at-louisville-beauty-academy/

Tran, D. (2024, April 17). Di Tran: Inspiring Futures at Ballard High School Career Day. Louisville Beauty Academy. https://louisvillebeautyacademy.net/di-tran-inspiring-futures-at-ballard-high-school-career-day/

Tran, D. (2024, April 17). Tops Louisville Magazine – Di Tran – Inspirational Individuals – 10-09-2019. Louisville Beauty Academy. https://louisvillebeautyacademy.net/tops-louisville-magazine-di-tran-inspirational-individuals-10-09-2019/

Tran, D. (2024, April 17). Tops Louisville Magazine – Thanksgiving Back – Vy & Di Tran Feature as Two of Four Individuals Who Overcame Hardships and Now Give Back to Their Community. Louisville Beauty Academy. https://louisvillebeautyacademy.net/tops-louisville-magazine-thanksgiving-back-vy-di-tran-feature-as-two-of-four-individuals-who-overcame-hardships-and-now-give-back-to-their-community/

Tran, D. (2024, April 17). Louisville Beauty Academy: A Path to Your Beauty Career. Louisville Beauty Academy. https://louisvillebeautyacademy.net/louisville-beauty-academy-a-path-to-your-beauty-career/

Tran, D. (2024, April 17). Comprehensive Guide to Louisville Beauty Academy: Your Pathway to a Successful Career in the Beauty Industry. Louisville Beauty Academy. https://louisvillebeautyacademy.net/comprehensive-guide-to-louisville-beauty-academy-your-pathway-to-a-successful-career-in-the-beauty-industry/

Tran, D. (2024, April 17). The Beauty of Serving: A Glimpse into the Heart of Di Tran. Louisville Beauty Academy. https://louisvillebeautyacademy.net/the-beauty-of-serving-a-glimpse-into-the-heart-of-di-tran/

Categories
Health Kentucky Pharmacy Louisville, KY

Vy Truong: Louisville’s Rising Star and the Heart Behind Kentucky Pharmacy

Louisville, KY – Viet Bao Louisville

When you meet Vy Truong, you immediately feel it — a deep compassion, quiet strength, and tireless work ethic rooted in service. A proud Vietnamese-American, Dr. Truong is not only a licensed pharmacist in four states — Massachusetts, Kentucky, Indiana, and Ohio — but also the co-founder and CEO of Kentucky Pharmacy, Louisville’s premier independent, family-oriented pharmacy.

A graduate of Massachusetts College of Pharmacy and Health Sciences in Boston, Vy Truong has spent over 15 years in the pharmacy field, quietly building a legacy of care that is now being recognized citywide. With a gentle smile and sharp mind, she has filled over 1 million prescriptions and administered thousands of vaccines, helping Louisville’s most vulnerable — immigrants, elders, disabled individuals, and those without consistent access to healthcare.

What makes her different? She meets people where they are.
Through Kentucky Pharmacy, Dr. Truong offers:

  • Text-a-pharmacist access
  • Free medication delivery
  • Multilingual support (including Vietnamese)
  • Immunizations, therapy consultations, and more
  • Personalized, compassionate service that feels like family

Her efforts have not gone unnoticed. In the past year alone, Dr. Truong has been:

Beyond her business achievements, Vy is a dedicated volunteer and mental health advocate, actively supporting youth education, community health, and access for all.

“She’s not just a pharmacist — she’s an icon of hope in our city,” says Di Tran, Co-Founder and COO of Kentucky Pharmacy. “Vy is learning every day, evolving faster than most, and always focused on how to love more, serve better, and uplift the people around her.”

Kentucky Pharmacy, nestled inside Harbor House of Louisville, is more than a pharmacy. It is a symbol of what true care looks like — healthcare that is accessible, personal, and delivered with heart.

To the Vietnamese community and beyond, Dr. Vy Truong is not just a success story — she is a role model. Her journey from Boston pharmacy school to Louisville community leader is proof that service, humility, and relentless love can change lives.


📍 Visit: Kentucky Pharmacy – 2233 Lower Hunters Trace, Louisville, KY
📲 Text: (502) 694-2441
🌐 Website: www.kypharmacy.net

Categories
Health Immigration Kentucky Pharmacy Louisville, KY Leadership Development Small Businesses Vietnamese

Two Generations, One Purpose: AAPI Heritage Month Brings Susan Lieu and Vy Truong Together in Louisville

By Viet Bao Louisville KY | May 2025

In a deeply moving moment of cultural pride and community unity, Louisville hosted a powerful event on May 7, 2025, celebrating Asian American and Pacific Islander Heritage Month—featuring two extraordinary Vietnamese-American women whose lives, stories, and leadership inspire across generations.

The public event, held at Americana World Community Center, took place right next door to Saint John Vianney, the only Vietnamese Catholic church in the state of Kentucky. Together, these two community landmarks served as the heart of a gathering filled with conversation, connection, and celebration.

Vy Truong: A Pillar of Care, Leadership, and Service in Louisville

At the center of this event was Dr. Vy Truong, a respected pharmacist, entrepreneur, and community leader who embodies the spirit of service in all she does. As the CEO of Kentucky Pharmacy and COO of Louisville Beauty Academy, Vy’s mission has always been to elevate the underserved through access to healthcare, education, and compassionate support.

Born in Vietnam and educated through 12th grade before immigrating to the U.S., Vy represents the “1.5 generation”—bringing deep cultural roots while rising as a leader in the American professional landscape. She completed her Doctor of Pharmacy degree in Boston, Massachusetts and is currently licensed to practice pharmacy in Massachusetts, Kentucky, and Indiana. Her work has been recognized through multiple honors, including the 2025 MOSAIC Award, the Family Business Award, and her growing presence as a leading woman in healthcare equity.

What sets Vy apart is not only her resume, but her heart. She constantly steps up—volunteering her time, offering her leadership freely, and lifting others without hesitation. Moderating this high-profile conversation with author Susan Lieu, Vy once again led with grace, humility, and a genuine commitment to elevate her community.

Susan Lieu: A Story Rare Even Among Vietnamese-Americans

On the other side of the stage stood Susan Lieu, a Harvard and Yale business graduate, whose story captivated the audience. Born in the U.S. to refugee parents, Susan’s memoir, The Manicurist’s Daughter, explores the loss of her mother to a botched cosmetic surgery and the intergenerational trauma that followed.

What makes her story so rare—both in the Vietnamese and broader American context—is how she channels that trauma into healing, through bold storytelling, art, and activism. Despite her Ivy League education, Susan’s roots lie in the same nail salon world so many Vietnamese families know—making her both relatable and revolutionary. Her book has been named a Best Book of 2024 by NPR, Smithsonian Magazine, and ELLE, and her voice is quickly becoming one of the most important among the Vietnamese diaspora in America.

Where Culture Meets Faith, Healing, and Hope

This unforgettable event didn’t just happen in isolation—it was shaped by the spirit of Louisville itself. At Americana, families, youth, and elders gathered to hear stories that reflected their own struggles and strength. Immediately after, many walked next door to Saint John Vianney Church, where community members mingled with Susan Lieu, discussed the topics raised, and shared in a sacred moment of cultural reflection.

Featured by WHAS11 News, this moment served as a perfect tribute to AAPI Heritage Month, shining a light on the Vietnamese-American experience in Kentucky—a story of resilience, service, sacrifice, and rising together.

In a city like Louisville, where immigrant roots grow into leadership, and where Vietnamese voices are rising stronger every year, this was more than an event. It was a testament to the beauty of cross-generational Vietnamese-American impact—where one woman (Vy Truong) uplifts through healthcare and direct service, and another (Susan Lieu) heals through words, performance, and truth.

This is the beauty of Louisville.
This is the power of Vietnamese women.
This is America at its best.

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