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College Catalog: Tuition Assistance, Financial Aid And Benefits: Student Financial Aid

Mission

It is the desire of the college that no qualified students be denied the privilege of attendance. Our mission is to strive to meet the educational needs of people in our service area who possess varying interests and abilities and to make higher education available to individuals who have varying financial needs. The Financial Aid Office has three primary functions. These include managing and disbursing local, state, and federal funds in compliance with the appropriate regulations, policies, and procedures; providing efficient and equitable services to students; and maintaining accurate records. While students who qualify for financial aid are generally assisted, it is expected that students will also utilize all available personal and family resources to meet their educational costs.

Financial aid provided by the college and scholarships from other sources must be viewed as supplementary to the effort and responsibility of the family. Since funds given are to be used for educational purposes only, the primary goal of the college Financial Aid Office is to meet students’ direct educational costs such as tuition, fees, books, and supplies. If there are any grant funds remaining, our secondary goal is to assist students with indirect educational costs such as transportation, personal, and living expenses.


Applying for aid

Apply for Financial Aid. Do not lose out on free money! Nearly all students qualify to get funding to pay for school. You could too. You could qualify for grants (which you do not need to repay as long as you attend the full semester), loans or work-study. These can cover a good deal of your school costs. Apply early as some aid given on a first complete, first served basis. You will need to reapply each year after October 1. We will remind you!

1) Collect your paperwork. Gather your Social Security number or Alien Registration number, taxes, W-2s or other income records from appropriate year (Tip: use the IRS link within the FAFSA if available), bank statements and investment records.

2) Get your federal financial aid FSA ID and password. You can use this to easily re-apply for financial aid each year and to see your information online.

3) Check your deadlines! Some free money is only given to early applicants.

4) Fill out your form (FAFSA) online https://fafsa.ed.gov. Be sure to list Paul D. Camp Community College (PDCCC) on the application with our school code 009159.

5) Apply to PDCCC online at www.pdc.edu/admissions/online-application/ and declare an eligible major. If you already applied and wish to change majors, a Program/Plan Change Form is needed. Always check with the Financial Aid Office before changing majors to see if it will affect your financial aid.

6) Review your ‘Student Aid Report’ which will come to your email about 24 hours after you apply online. Respond quickly to any questions and make sure PDCCC is listed.

7) The Financial Aid Office will receive your information in about 3 business days. At that time, check your college assigned email and provide additional forms if requested on the “To Do List” in your Student Center. If you do not know how to access your college assigned email or Student Center, please click here for instructions to access your username and password: Guide to Accessing Your Student Accounts.

8) Check your aid notification for details of any special requirements for each fund! For example, if you wish to borrow a loan, additional steps are needed and you must enroll in a minimum number of credits. Financial aid uses the Message Center as our official means of communication. To access messages, such as your aid notification, login to your Student Account (MyPDCCC), click on SIS, choose Student Center and click on Message Center at the top.


For More Information
Help is available in the Financial Aid Office to assist you in completing the FAFSA online. This is a free application. If you would like assistance in applying for Financial Aid, you can contact or visit the Financial Aid Offices at the Franklin or Suffolk campuses during regular business hours. Visit the PDCCC Financial Aid web page: www.pdc.edu/financial-aid/ for current contact information and hours.


Eligibility

Eligibility for federal, state, and VCCS programs is based on financial need and several other factors, as determined by responses on the Free Application for Federal Student Aid (FAFSA). The Financial Aid Office staff at the College will determine eligibility. Many financial aid programs are given on a first-completed, first-served basis so it is important to apply early. Initial offerings of aid are usually based on full-time enrollment (12 or more credits). Financial aid eligibility changes with enrollment level changes. Students considering a drop or withdrawal from courses should consult a financial aid administrator before making that decision, as financial aid already received may be due back to the college. A glossary of Financial Aid terms is available at: studentaid.ed.gov/sa/glossary.

Unusual Circumstance Appeals: Requests to appeal unusual circumstances and dependency overrides are considered on a case-by-case basis with adequate documentation. Forms are available online at: https://www.pdc.edu/financial-aid/forms-for-financial-aid-students/. Decisions made by financial aid administrators at other institutions are not accepted automatically and require additional documentation to be submitted to us as well.

Attending more than one college: Financial aid may only be paid to a student from one college per term, by federal regulation. Concurrent enrollment at another college will require the student to pay tuition and book charges out-of-pocket at one of the two colleges. A consortium agreement may be requested from the Financial Aid Office of the home school granting the degree after tuition has been paid to the host institution. Completed forms must be received by the college Financial Aid Office by the main refund date for the semester.


Eligible Courses

Financial aid is only available for required courses for graduation when you are enrolled in a financial aid eligible program of study. A course would be deemed eligible for financial aid if all of the four following circumstances exist–

  • The course is required for graduation from your current academic program;
  • The course has not already been repeated once after having been successfully completed (with any grade other than an F, I, U, R, or W);
  • You have not already attempted 30 or more developmental credits (only applies if class is developmental, such as MTT 1) ; and
  • The course is not a BSK (basic skills class) that is below the postsecondary level.

Classes taken that are not required for graduation can only be considered for financial aid purposes with written documentation noting a substitution for other courses and for developmental courses. Otherwise, classes that do not meet the terms above must be paid for out-of-pocket.


Aid Determination

Federal and state financial aid will be determined based upon your projected cost of attendance (COA) and expected family contribution (EFC), among other factors. If you apply for Financial Aid and are in a financial-aid approved degree program, you will have a COA computed using budgeted costs that you can reasonably expect to incur during the 9-month academic year. Your EFC is determined by filing the FAFSA. Any student whose EFC is higher than the COA will not be eligible for need-based aid, such as grants, subsidized loans and work-study. Students who wish to be considered for work-study must fill out an online job application. Scholarships are awarded in a separate process to FAFSA applicants in fall and spring semesters, apply online as well.


Changes in Aid

Most financial aid is offered based upon full-time enrollment, regardless of the student’s level of enrollment prior to the start of classes. Enrollment levels are as follows: 1-5 credits = less than half time; 6-8 credits = half time, 9-11 credits = three-quarter time, 12 or more credits = full-time. Enrollment in less than 12 credits as of the Last Date to Drop for a Refund (“refund date”) for the full semester may result in the aid being reduced or cancelled. The Financial Aid Office reserves the right to review, modify or cancel financial aid at any time on the basis of information affecting student eligibility, including changes in financial resources, enrollment status, and availability of funds. Aid will be reduced based on actual enrollment in eligible courses. An email will be sent to notify the student of changes in funding, unless the aid is completely cancelled as a result of not enrolling. Please contact the Financial Aid Office before withdrawing or dropping a class to determine how this action may affect your financial aid and if you will owe money back.


Attendance Requirement

You are only eligible to be paid for courses if you attend from the beginning to the end of each class. Failure to begin on time or complete the term will result in a reduction in aid and potentially a debt to pay, even if refund checks have been sent out. Enrollment and attendance by the refund date each semester (usually 2-3 weeks into the term) is what determines if a class is counted for financial aid purposes. Classes added after the main refund date are not eligible for increased Pell Grant, but may qualify for a student loan. Short session classes have different refund dates, as published in the schedule, and those classes must be attended by their refund date to qualify for aid eligibility.


Aid Disbursement

Financial aid can only be credited to your college account once certain conditions have been met. Financial aid funds are generally credited to your student account once per term, with the exception of single-term loans, which require two disbursements at least 30 days apart. Disbursement begins approximately 40 to 60 days after the term begins. Refunds are usually processed within 14 days after disbursement. We encourage you to sign up for Direct Deposit or a pre-paid VISA card using the email link that was sent to your college email account, for fastest refund processing.

Be careful not to count on getting your refund by a certain date to make major purchases or pay other financial obligations. Even though we issue most refunds early, it’s possible your refund may require additional review and take longer. Many different factors can affect the timing of your refund after we process it. Also, if you are anticipating a refund, take into consideration the time it takes for your financial institution to post the refund to your account/pre-paid VISA card, or for mail delivery. You are responsible for ensuring the “mailing address” we have on file is accurate. The U.S. Postal Service will not forward financial aid checks to a new address, and it must be returned to the College Business Office. You should cash or deposit checks within 60 days of receipt to avoid cancellation.


Rights in Accepting Financial Aid

You have the right to know what financial aid programs are available through the college, the application deadlines for the various financial aid programs, and to know how your financial need was determined. You have the right to request an explanation of the funds in your financial aid package, including the right to know what portion is gift assistance, loans that must be repaid, or employment. If you borrow, you have the right to know the interest rate, the terms of repayment and what may happen if you do not repay (default). You have the right to know the College’s SAP policy and what happens if you do not maintain satisfactory academic progress (make the grade to keep receiving financial aid). You have the right to know the estimated cost of attendance and the College’s actual tuition and fee rates, as well as the College’s refund policy.


Responsibilities in Accepting Financial Aid

You are responsible for knowing catalog information. You are held individually responsible for the information contained in the College Catalog and on the financial aid webpage. Failure to read and comply with regulations will not exempt you from whatever penalties you may incur. You are responsible for attending classes, including online classes, from beginning to end. You are responsible for knowing what will happen if you withdraw from or stop attending classes, and are subject to regulations regarding the FINANCIAL AID TITLE IV REFUND and FINANCIAL AID UNOFFICIAL WITHDRAWALS REFUND POLICY. If you withdraw from the college or stop attending before more than 60% of the semester has elapsed, you should anticipate repaying a significant portion of Title IV and state financial assistance, which may exceed the amount of any refund check entitlement. You are responsible for repaying the debt if you receive aid for which you are ineligible.


Charging Books and Supplies

You are responsible for ensuring that the aid given is sufficient to pay for the classes and books charged to financial aid or paying the difference. The College reserves the right to limit the amount of allowable book and supply charges each semester, and to reject charges deemed unnecessary or over the limit. If you do not have enough aid to cover all the tuition, there will not be any aid to charge books. If you are paying Out-of-State tuition, you should realize that the federal grants will almost never be enough to pay all charges, and some out-of-pocket tuition expenses are to be expected unless you choose to borrow loans. If you drop classes, you must also return corresponding books by the main refund date to avoid owing a debt for the books charged, as the aid will be reduced or cancelled.


Repayment of Ineligible Aid

If you lose eligibility for the aid given or fail to abide by the terms and conditions to receive the funds, you must pay the tuition and bookstore charges in full upon notice from the College. You must repay any federal, state, or college and outside agency aid received as a result of unreported or misreported information discovered through verification, third-party notices, account reviews and/or audits. See FINANCIAL AID TITLE IV REFUND and FINANCIAL AID UNOFFICIAL WITHDRAWALS REFUND Policies.