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Where to Find Financial Aid and Scholarship Help

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Paying for College - Student Resource Guide

FAFSA Tips

 

 

Where to Find Financial Aid & Scholarship Help
Types of Financial Aid
FAFSA Tips
Paying For College - Student Resource Guid
       
       

 

http://deltacollege.financialaidtv.com

 

Financial Aid at San Joaquin Delta College

 

Where To Find Financial Aid & Scholarship Help

Students and their families are expected to contribute to the cost of college to the extent that they're able. Use this 2010-11 School Year Expected Family   Contribution (EFC) Calculator to:

Estimate how much your family will be expected to contribute. After all, you can't make a realistic plan to cover your share if you don't have an idea what your share could be.

Gain insight into your financial aid eligibility. If you're unable to contribute the entire cost of college, financial aid is available to bridge the gap. That's how the financial aid system works. The difference between the total cost and your EFC is considered your "financial need" and the amount of aid you're eligible to receive.

 

  • www.fafsa.ed.gov is where to learn more about the FAFSA, including step-by-step instructions, file online and check the status of your FAFSA.  You may also obtain a PIN (Personal Identification Number) if you did failed to get one when you filed your FAFSA.  If the site you are on asks for payment, YOU ARE ON THE WRONG SITE.   There is no fee required to apply for FAFSA.

  • www.finaid.org offers an overall view of financial aid, where to look for it and how to get it.

  • www.californiacashforcollege.org lists free Cash for College workshops in your area where you and your parents can get help filling out the FAFSA. You may even win an additional $1,000 scholarship at a Cash for College workshop.

  • www.csac.ca.gov has loads of information about Cal Grants and other programs available through the California Student Aid Commission.

  • www.edfund.org for planning for college and managing a student loan.

  • www.chafee.csac.ca.gov provides information on this exciting opportunity for foster youth and former foster youth.

Types of Financial Aid

Federal Pell Grant

A Federal Pell Grant, unlike a loan, does not have to be repaid. Pell Grants are awarded usually only to undergraduate students who have not earned a bachelor's or a professional degree. (In some cases, however, a student enrolled in a post-baccalaureate teacher certification program might receive a Pell Grant.) Pell Grants are considered a foundation of federal financial aid, to which aid from other federal and nonfederal sources might be added.

 

Federal Perkins Loan

A Federal Perkins Loan is a low-interest (5 percent) loan for both undergraduate and graduate students with exceptional financial need.Federal Perkins Loans are made through a school's financial aid office. Your school is your lender, and the loan is made with government funds. You must repay this loan to your school.

 

Cal Grant Information: For Undergraduates

Cal Grant A

  • Cal Grant A assists with tuition and fees at public and independent colleges, and some occupational and career colleges. At the University of California and the California State University, the award covers up to full system-wide fees. Your coursework must be for at least two academic years.
  • There are two Cal Grant A awards: Entitlement and Competitive. There is also a Cal Grant A award for students transferring from a California Community College to a four-year college.

 

Cal Grant A Entitlement Award

  • Students who meet all the Cal Grant eligibility requirements, have at least a 3.0 grade point average, and apply by March 2 either of the year they graduate from high school or the following year are guaranteed a Cal Grant A.
  • The Cal Grant A Entitlement award provides for tuition and fees at the California State University and the University of California, as well as tuition support at participating independent colleges and universities and career colleges.
  • For year 2010-11, a Cal Grant A pays $10,302 at the University of California, $4,429 at California State University, and $9,708 at non-public colleges.

 

 

Cal Grant A and B Competitive Awards

  • Students who are not eligible for a Cal Grant A or B Entitlement award may compete for a Cal Grant A or B Competitive award.
  • Cal Grant Competitive awards are the same as a Cal Grant Entitlement awards, except that they are not guaranteed.
  • Each year, 22,500 Cal Grant Completive awards are available. Of these, 11,250 are for students who do not qualify for a Cal Grant Entitlement award, but who otherwise meet the Cal Grant requirements and apply by March 2.
  • The remaining 11,250 awards are set aside for eligible California Community College students who meet the September 2 deadline.

 

Community College Reserve Grant

  • If you receive a Cal Grant A, but attend a California Community College first, your award will be reserved for up to three years until you transfer to a four-year college, if you continue to qualify.
  • If you list a California Community College before a four-year California college on your FAFSA, it will be assumed the community college is your first choice. If you receive a Cal Grant A, it will be placed in reserve for your first year unless you transfer to a tuition or fee-charging college and activate your award.
  • When you transfer, be sure to let your school know you have a reserve grant.

 

 

California Community College Transfer Entitlement Cal Grant

  • California Community College students who meet all the Cal Grant eligibility requirements, have at least a 2.4 community college GPA, and meet the awards additional requirements (listed below) are guaranteed a Cal Grant to attend a four-year college.
  • To qualify, students also must have graduated from a California high school after June 30, 2000, have been a California resident at the time they graduated and be under the age of 28 as of December 31 of the year in which they first receive an award.
  • In addition, students can not have received a Cal Grant within a year of graduating from high school.
  • http://www.calgrants.org

 

 

Foster Youth Chafee Grant:

  • The California Chafee Grant is free money for current or former foster youth to help pay for college or career or technical training that you don’t have to pay back. You may also be able to use your grant to pay for child care, transportation and rent while you’re in school.
  • The Chafee Grant is federally and state funded and each year is subject to availability of funds.
  • https://www.chafee.csac.ca.gov/SupportFiles/Chafee_FactSheet.pdf

Stafford Student Loans:

Direct Stafford Loans include the following types of loans:

  • Direct Subsidized Loans – Direct Subsidized Loans are for students with financial need. Your school will review the results of your Free Application for Federal Student Aid (FAFSASM) and determine the amount you can borrow. You are not charged interest while you’re in school at least half-time and during grace periods and deferment periods.
  • Direct Unsubsidized Loans – You are not required to demonstrate financial need to receive a Direct Unsubsidized Loan. Like subsidized loans, your school will determine the amount you can borrow. Interest accrues (accumulates) on an unsubsidized loan from the time it’s first paid out. You can pay the interest while you are in school and during grace periods and deferment or forbearance periods, or you can allow it to accrue and be capitalized (that is, added to the principal amount of your loan). If you choose not to pay the interest as it accrues, this will increase the total amount you have to repay because you will be charged interest on a higher principal amount.
  • http://studentaid.ed.gov/PORTALSWebApp/students/english/studentloans.jsp

 

 

PLUS Loans:

 

 

Federal Work Study:

Federal Work-Study (FWS) provides part-time jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses. The program encourages community service work and work related to the recipient's course of study.

 

 

Campus-Based Aid:

  • The Federal Supplemental Educational Opportunity Grant (FSEOG), Federal Work-Study (FWS), and Federal Perkins Loan programs are called campus-based programs because they're administered directly by the financial aid office at each participating school. Not all schools participate in all three programs. Check with your school's financial aid office to find out which programs they participate in.
  • How much aid you receive from each of these programs depends on your financial need, on the amount of other aid you receive, and on the availability of funds at your college or career school. Unlike the Federal Pell Grant Program, which provides funds to every eligible student, the campus-based programs provide a certain amount of funds for each participating school to administer each year. When the money for a program is gone, no more awards can be made from that program for that year. So, make sure you apply for federal student aid as early as you can. Each school sets its own deadlines for campus-based funds, and those deadlines are usually earlier than the Department of Education's deadline for filing a FAFSA.

FSEOG

  • Federal Supplemental Educational Opportunity Grant (FSEOG) program is for undergraduates with exceptional financial need. Pell Grant recipients with the lowest expected family contributions (EFCs) will be considered first for a FSEOG. Just like Pell Grants, the FSEOG does not have to be repaid.
  • http://www2.ed.gov/programs/fseog/index.html

Perkins Loan

  • The Federal Perkins Loan Program provides low-interest loans to help needy students finance the costs of postsecondary education. Students can receive Perkins loans at any one of approximately 1,800 participating postsecondary institutions. Institutional financial aid administrators at participating institutions have substantial flexibility in determining the amount of Perkins loans to award to students who are enrolled or accepted for enrollment. Borrowers who undertake certain public, military, or teaching service employment are eligible to have all or part of their loans canceled.
  • http://www2.ed.gov/programs/fpl/index.html

Federal Work Study

  • The FWS Program provides funds that are earned through part-time employment to assist students in financing the costs of postsecondary education. Students can receive FWS funds at approximately 3,400 participating postsecondary institutions. Institutional financial aid administrators at participating institutions have substantial flexibility in determining the amount of FWS awards to provide to students who are enrolled or accepted for enrollment. Hourly wages must not be less than the federal minimum wage.
  • http://www2.ed.gov/programs/fws/index.html

 

 

Institutional Grants

  • Many Colleges provide institutional grants to help make upthe difference between college costs and what a family can be expected to contribute through income, savings, loans, and student earnings.
  • Other institutional grants, known as merit awards or merit scholarships, are awarded on the basis of academic achievement. Some merit awards are offered only to students whose families demonstrate financial need; others are awarded without regard to a family's finances.
  • Some grants come with special privileges or obligations. You'll want to find out about the types of grants awarded by each college you are considering.  Some examples:
  • Delta College scholarship listing and application available online: 

            http://www.deltacollege.edu/dept/finaid/scholarships/index.html

  • California State University – Sacramento

            http://www.csus.edu/checkusout/need_money/scholarships.stm

  • California State University – Fresno

            http://www.csufresno.edu/scholarships/

  • University of the Pacific

            http://web.pacific.edu/x17302.xml#freshman

  • UC Merced – New funds expand UC Merced Scholarship Offers:

            http://www.ucmerced.edu/news_articles/02122007_new_funds_expand_uc.asp

OTHER TYPES OF GRANTS:

Teach Grant Program

  • Through the College Cost Reduction and Access Act of 2007, Congress created the Teacher Education Assistance for College and Higher Education (TEACH) Grant Program that provides grants of up to $4,000 per year to students who intend to teach in a public or private elementary or secondary school that serves students from low-income families. If, after reading all of the information on this fact sheet, you are interested in learning more about the TEACH Grant Program, you should contact the financial aid office at the college where you will be enrolled.
  • http://studentaid.ed.gov/PORTALSWebApp/students/english/TEACH.jsp

Academic Competitiveness Grant (ACG)

 

The National Science & Mathematics Access to Retain Talent Grant (National SMART Grant)

  • The National Science and Mathematics Access to Retain Talent Grant, also known as the National Smart Grant is available during the third and fourth years of undergraduate study (or fifth year of a five-year program) to at least half-time students who are eligible for the Federal Pell Grant and who are majoring in physical, life, or computer sciences, mathematics, technology, engineering or a critical foreign language; or non-major single liberal arts programs.
  • The student must also maintain a cumulative grade point average (GPA) of at least 3.0 in course work required for the major. The National SMART Grant award is in addition to the student's Pell Grant award.
  • http://studentaid.ed.gov/PORTALSWebApp/students/english/SmartGrants.jsp

 

 

Iraq and Afghanistan Service Grant

Private Individuals, Companies, Foundations:  Get busy and go look to see what’s out there!

Other Important Links

Other Important Links:

www.HealthJobsStartHere.com will introduce you to good jobs in healthcare that could be the right fit for you.

www.whodouwant2b.com helps determine what courses to take in high school and community college.

OTHER ITEMS:

UC Merced – New funds expand UC Merced Scholarship Offers:

http://www.ucmerced.edu/news_articles/02122007_new_funds_expand_uc.asp

Career browsing:  http://www.collegeboard.com/html/careerbrowser.html

Why go on a college visit?  http://www.collegeboard.com/student/csearch/college-visits/72.html

10 tips for going on a virtual tour:  http://www.collegeboard.com/student/csearch/majors_careers/45103.html

Tips for preparing for your college visit:

http://www.collegeboard.com/student/csearch/college-visits/73.html

What to do when you get there:

http://www.collegeboard.com/student/csearch/college-visits/101.html

Surfing tips for academic information on college websites:

http://www.collegeboard.com/student/csearch/majors_careers/45101.html

Free SAT test preparation:

http://ineedapencil.com/

 

 

 

 

 



 

San Joaquin Delta College
5151 Pacific Ave
Stockton, California 95207
(209) 954-5151