- 1 -
Office&of&Financial&Aid&Room&E210&
505&Ramapo&Valley&Rd.,&Mahwah,&NJ&07430&
(201)684-7549&
Financial Aid
Handbook for
Students
- 2 -
Table&of&Contents&
&
I.Student&Rights&and&Responsibilities………………………………& Page&3&
II.Ramapo&Gmail&for&Students…………………………………………..& Page&4&
III.Application&Procedures…………………………………………………& Page&4&
IV.Processing&Schedule&and&Deadlines……………………………....& Page&6&
V.Understanding&Financial&Aid&Packaging…………………………& Page&7&
VI.Request&for&Professional&Judgement/&Dependency…………& Page&9&
VII.Eligibility&Confirmation&and&Verification………………………....& Page&10&
VIII.Enrollment&at&Other&Institution/Study&Abroad…………………..& Page&11&
IX.Satisfactory&Academic&Progress&(SAP)&Policy……………………..& Page&12&&
X. Types&of&Financial&Aid………………………………………………..............& Page&14&&
Federal'Programs' ' ' ' ' ' Page'14'&
State'Programs' ' ' ' ' ' ' Page'18''
Other'Types'of'Financial'Assistance' ' ' ' Page'19&
XI.Refund&Policies…………………………………………………………………& Page&20&
XII.Withdrawals&or&Failure&to&Enroll………………………………….........& Page&22&
XIII.Contact&Information/Hours………………………………………………& Page&23&
GLOSSARY…………………………………………………………………………& Page&24&
&&
- 3 -
!" #$%&'($)*+,-$.)/(&)*'.01(.+2+3+$+'.)
!"#$%%&'()"*#$#+)"$"%)$,#$)-#$.$/-#+/01#2$1$'0#30,,&*&#0+#456#708#$%9"0.,&-*&#%&/($)"#/)*:(;#$"-#
/&;'0";)<),)()&;=#
You$have$the$right$to:$
• 9"0.#.:$(#+)"$"%)$,#$;;);($"%&#);#$>$),$<,&=#!"%,8-)"*#$,,#+&-&/$,6#;($(&#$"-#)";()(8()0"$,#$)-#
'/0*/$1;#$"-#.:$(#'0,)%)&;#0/#/&*8,$()0";#*0>&/"#(:&;&#'/0*/$1;=#
• 9"0.#(:&#-&$-,)"&;#+0/#;8<1);;)0"#0+#$'',)%$()0";#+0/#$)-#$"-#(:&#'/0%&-8/&;#(0#<&#
+0,,0.&-=##
• 9"0.#(:&#%0;(#0+#$((&"-$"%&#$(#2$1$'0#30,,&*&#0+#45#$"-#(:&#/&+8"-#'0,)%7=#
• 9"0.#:0.#(:&#?++)%&#-&(&/1)"&;#708/#+)"$"%)$,#"&&-6#)"%,8-)"*#(:&#-&(&/1)"$()0"#$"-#
$108"(#0+#&@'&%(&-#+$1),7#%0"(/)<8()0"=##
• 9"0.#(:&#;08/%&#$"-#$108"(#0+#&$%:#(7'&#0+#+)"$"%)$,#$)-#0++&/&-#(0#708=#
• 9"0.#(:&#1&(:0-#<7#.:)%:#$)-#);#-&(&/1)"&-#$"-#-);<8/;&-#0/#$'',)&-#(0#708/#$%%08"(=#
• $'',7#+0/#$--)()0"$,#$;;);($"%&#.:&"#(:&#)"%/&$;&-#+)"$"%)$,#"&&-#%$"#<&#-&10";(/$(&-#$"-#
+8"-;#$/&#$>$),$<,&=##
• &@'&%(#$"-#/&%&)>&#%01',&(&#%0"+)-&"()$,)(7#$<08(#+)"$"%)$,#$)-#$.$/-&-#<7#(:&#0++)%&=#
You$have$the$responsibility$to:$
• %01',&(&#$,,#$'',)%$()0"#+0/1;#$%%8/$(&,7#$"-#(:0/08*:,7=##301',7#.)(:#&"/0,,1&"(#
/&A8)/&1&"(;#/&,$(&-#(0#+)"$"%)$,#$)-#&,)*)<),)(7=#B08#18;(#<&#&"/0,,&-#$(#,&$;(#:$,+C()1&#(0#
/&%&)>&#$)-#%0";)-&/$()0"6#<8(#708#;:08,-#<&#$.$/&#(:$(#;01&#'/0*/$1;#/&A8)/&#+8,,C()1&#
&"/0,,1&"(#D;&&#;'&%)+)%#'/0*/$1#-&;%/)'()0";#+0/#10/&#)"+0/1$()0"E=#
• 9"0.#$"-#%01',7#.)(:#'/)0/)(7#-$(&;#+0/#$'',)%$()0"#+0/#$)-#)"#0/-&/#(0#/&%&)>&#
%0";)-&/$()0"#+0/#$,,#'/0*/$1;=##
• 9"0.#$"-#%01',7#.)(:#(:&#30,,&*&F;#/&+8"-#'/0%&-8/&;=##
• /&$-#$"-#8"-&/;($"-#$,,#)"+0/1$()0"#;&"(#(0#708#$"-#$,,#+0/1;#708#$/&#$;9&-#(0#;)*"6#9&&')"*#
%0')&;#+0/#708/#/&%0/-;=##
• $%%&'(#/&;'0";)<),)(7#+0/#$,,#$*/&&1&"(;#708#;)*"=##
• 8;&#+8"-;#$.$/-&-#(0#708#;0,&,7#+0/#&-8%$()0"$,#&@'&";&;#)"%8//&-#.:),&#$((&"-)"*#2$1$'0#
30,,&*&#0+#45=##
• /&'$7#$,,#&-8%$()0"$,#,0$";#$%%0/-)"*#(0#(:&#/&'$71&"(#'/0>);)0";#$*/&&-#8'0"#$(#(:&#()1&#
(:&#,0$"#.$;#$%%&'(&-#$"-#(:&#'/01);;0/7#"0(&#;)*"&-=##
• /&(8/"#)"#$#()1&,7#1$""&/#$,,#%0//&%()0";6#$--)()0"$,#)"+0/1$()0"6#0/#-0%81&"($()0"#
/&A8&;(&-#<7#08/#0++)%&#0/#(:&#$*&"%7#(0#.:)%:#708#;8<1)((&-#708/#$'',)%$()0"=##
• 2&'0/(#$"7#%:$"*&#)"#708/#+)"$"%)$,#;)(8$()0"#+/01#(:$(#.:)%:#708#/&'0/(&-#0"#(:&#G/&&#
H'',)%$()0"#+0/#G&-&/$,#I(8-&"(#H)-#DGHGIHE=#
• /&'0/(#$"7#.$*&;6#,0$";6#*/$"(;6#0/#;%:0,$/;:)';#/&%&)>&-#+/01#;08/%&;#&@(&/"$,#(0#(:&#
%0,,&*&=##
• 9"0.#$"-#%01',7#.)(:#(:&#'0,)%)&;#+0/#I$();+$%(0/7#H%$-&1)%#J/0*/&;;=#
# #
- 4 -
II. RAMAPO$GMAIL$FOR$STUDENTS$
2$1$'0#30,,&*&#);#',&$;&-#(0#'/0>)-&#2$1$'0#K1$),#(0#$,,#;(8-&"(;=#H;#$#/&;8,(6#;(8-&"(;#:$>&#
$%%&;;#(0#(00,;#)"%,8-)"*#&C1$),6#;:$/&-#%$,&"-$/;6#)";($"(#1&;;$*)"*6#'&/;0"$,#.&<#;)(&;#$"-#0",)"&#
.0/-#'/0%&;;)"*=#:((';LMM*=/$1$'0=&-8=##H;#$#;(8-&"(6#)(#);#>&/7#)1'0/($"(#(:$(#708#%:&%9#708/#
;(8-&"(#&1$),#-$),7=##H,,#%0//&;'0"-&"%&#+/01#30,,&*&#0++)%&;#.),,#<&#;&"(#(0#(:);#&1$),#$--/&;;#$"-#
'/0+&;;0/;#0+(&"#8;&#(:);#&1$),#(0#"0()+7#;(8-&"(;#0+#%,$;;#%$"%&,,$()0";=##Please$note$that$future$
communications$from$the$Financial$Aid$Office$will$be$sent$to$your$Ramapo$College$email$
account.##B08#1$7#/&>)&.#%:$"*&;#(0#708/#$.$/-;#<7#,0**)"*#)"(0#(:&#2$1$'0#30,,&*&#I&,+CI&/>)%&=###
Ramapo$College$Self-Service$
N7#,0**)"*#0"(0#(0#2$1$'0#30,,&*&#I&,+CI&/>)%&#708#%$"#$%%&;;#708/#/&*);(/$()0"6#;(8-&"(#$%%08"(#
)"+0/1$()0"6#>)&.#$%$-&1)%#(/$";%/)'(;6#+)"$"%)$,#$)-#/&A8)/&1&"(;#$"-#$.$/-#)"+0/1$()0"6#$"-#
0(:&/#)1'0/($"(#2345#)"+0/1$()0"=#!(#);#>&/7#)1'0/($"(#(:$(#$#;(8-&" (#%:&%9#(:&)/#I&,+CI&/>)%&#
$%%08"(#/&*8,$/,7#+0/#%:$"*&;#)"#+)"$"%)$,#$)-#0/#/&A8)/&1&"(;#(:$(#"&&-#(0#<&#%01',&(&-#+0/#(:&)/#
$)-#(0#-);<8/;&=##
!!!" )4556!748!9:)5*97;<=*;#))
General$Application$Procedures:$
H#;(8-&"(#)"(&/&;(&-#)"#$'',7)"*#+0/#+)"$"%)$,#$)-#$(#2$1$'0#30,,&*&#0+#45#18;(#;8<1)(#$#G/&&#
H'',)%$()0"#+0/#G&-&/$,#I(8-&"(#H)-#DGHGIHE#+0/#&$%:#$%$-&1)%#7&$/=#B08#%$"#$'',7#0",)"&#$(#
...=+$+;$=&-=*0>#=##?8/#G&-&/$,#I%:00,#30-&#481<&/#);#009344.$$40#0(:&/#$'',)%$()0"#);#/&A8)/&-=##
!"#$%&'"()*
'
Deadline'Date'
Comments'
FAFSA'
March'1'every'year'(priority)'
'
'
NJ'Tuition'Aid'Grant'(TAG)'
April'15'
Continuing'students'for'Fall'and'
Spring'term'enrollment'
September'15'
For'first'time'student'for'Fall'and'
Spring'term'enrollment'
February'15''
All'students'for'Spring'only'
enrollment'
v 2$1$'0#30,,&*&#0+#45#+),)"*#-&$-,)"&#(0#<&#%0";)-&/&-#+0/#+8,,#+)"$"%)$,#$)-#+8"-)"*#);#G&</8$/7#
O
st
##
v H,,#45#;(8-&"(;#1$7#<&#/&A8)/&-#(0#%01',&(&#$--)()0"$,#A8&;()0";#+/01#PQIHH#$(#
:((';LMM"R+$1;=:&;$$=0/*#(0#<&#%0";)-&/&-#+0/#I($(&#H)-=##
v G)"$"%)$,#$)-#);#<$;&-#0"#$#;(8-&"(F;#+)"$"%)$,#"&&-#$"-#(:&#+8"-;#$>$),$<,&#(0#(:&#30,,&*&=##
!(#);#$->);&-#(:$(#708#'/&'$/&#$"-#+),&#708/#+&-&/$,#)"%01&#($@#/&(8/";#&$/,7#.)(:#(:&#!"(&/"$,#
2&>&"8&#I&/>)%&#D!2IE#;0#(:&#+$1),7#%$"#$%%8/$(&,7#%01',&(&#(:&#GHGIH=##S&#/&%011&"-#(:$(#
708#8;&#(:&#!2I#T$($#2&(/)&>$,#U00,#.:&"#708/#%01',&(&#708/#GHGIH=#U:);#&";8/&;#$%%8/$%7#0+#
(:&#+&-&/$,#-$($#$"-#%$"#&,)1)"$(&#$--)()0"$,#-0%81&"($()0"#,$(&/#)"#(:&#'/0%&;;=##
H--)()0"$,#)"+0/1$()0"#;8%:#$;#+&-&/$,#)"%01&#($@#-0%81&"(;#0/#%)()V&";:)'#-0%81&"($()0"#
1$7#<&#/&A8)/&-=#J,&$;&#"0(&#(:$(#)+#708#$/&#;&,&%(&-#+0/#G&-&/$,#W&/)+)%$()0"#'/0%&;;6#708#1$7#
<&#/&A8)/&-#(0#/&A8&;(#$#($@#/&(8/"#(/$";%/)'(#+/01#(:&#!2I=#H,,#-0%81&"($()0"#);#%0"+)-&"()$,#
$"-#);#8;&-#0",7#(0#%$,%8,$(&#&,)*)<),)(7#+0/#;(8-&"(#$)-#'/0*/$1;=##
- 5 -
Summer$Term$
I(8-&"(;#$'',7)"*#+0/#+)"$"%)$,#$)-#+0/#(:&#;811&/#18;(#<&#%0"()"8)"*#;(8-&"(;=#I(8-&"(;#18;(#
<&#$%%&'(&-#$"-#1$(/)%8,$(&-#)"#0/-&/#(0#'$/()%)'$(&=#I'&%)$,#$-1)(;#0/#"0"C1$(/)%8,$(&-#
;(8-&"(;#$/&#"0(#&,)*)<,&#+0/#+8"-)"*=##I)"%&#$,,#%$1'8;C<$;&-#+8"-;#$/&#8;8$,,7#&@:$8;(&-#
-8/)"*#(:&#$%$-&1)%#7&$/6#;811&/#(&/1#$.$/-;#%0";);(#'/)1$/),7#0+#;(8-&"(#,0$";#$"-#
/&1$)")"*#G&-&/$,#J&,,#K/$"(#&,)*)<),)(7#"0(#8;&-#-8/)"*#(:&#$%$-&1)%#7&$/=##
U0#$'',7#+0/#;811&/#,0$";#708#18;(#%01',&(&#(:&#+0,,0.)"*L#
o FAFSA'(if'not'already'on'file).'
o Register'for'at'least'six'(6)'credits'as'an'undergraduate'or'___'as'a'graduate.'
o Maintain'minimum'credits'throughout'the'summer.'
o Your'file'must'be'in'completed'status'(ie.'all'documents'are'in'and'processed).'
o Be'accepted'in'a'matriculated'program'at'Ramapo'College'of'NJ.''
I811&/#$)-#.),,#"0(#<&#'/0%&;;&-#+0/#+),&;#(:$(#$/&#;(),,#)"%01',&(&#$;#0+#5XYB=##
ZZZ#J,&$;&#"0(&6#708/#;811&/#,0$"#.),,#/&1$)"#8"'/0%&;;&-#8"(),#708#+0/1$,,7#/&*);(&/#+0/#
;811&/#%,$;;&;=##
Winter$Session$
G)"$"%)$,#$)-#);#"0(#$>$),$<,&#+0/#S)"(&/#I&;;)0"=#
Transfer$Information$$
!+#708#$/&#$"#)"%01)"*#(/$";+&/#;(8-&"(#(0#2$1$'0#30,,&*&#0+#456#708#"&&-#(0#<&#$.$/&#(:$(#
financial'aid'does'not'transfer'from'institution'to'institution=##
o B08#18;(#%01',&(&M8'-$(&#$"#&@);()"*#GHGIH#$(#...=+$+;$=&-=*0>#=#Y);(#2345#$;#0"&#0+#
708/#%0,,&*&#%:0)%&;=##2345#G&-&/$,#I%:00,#30-&#);#009344=###
§ !+#708#:$>&#$,/&$-7#%01',&(&-#$#GHGIH#<8(#-)-#"0(#/&A8&;(#(:$(#(:&#-$($#
<&#;&"(#(0#23456#708#%$"#:$>&#(:&#)"+0/1$()0"#+0/.$/-&-#(0#(:&#30,,&*&#
<7#%$,,)"*#OC[\\C]GQTH!T#$"-#/&A8&;(#(:$(#2345#<&#$--&-#(0#(:&#%0,,&*&#
%0-&#,);(#0/#708#%$"#1$9&#(:&#%0//&%()0"#0",)"&=#40#0(:&/#$'',)%$()0"#);#
/&A8)/&-=##
o !+#708#/&%&)>&-#$#4&.#5&/;&7#U8)()0"#H)-#K/$"(#DUHKE#0/#I($(&#;%:0,$/;:)'6#708#18;(#
"0()+7#(:&#P)*:&/#Q-8%$()0"#+0/#I(8-&"(#H;;);($"%&#H8(:0/)(7#DPQIHHE#0+#708/#',$"#(0#
(/$";+&/=#U:);#.),,#$,,0.#708/#I($(&#$.$/-;#(0#<&#;&"(#(0#2345=#B08#1$7#"0()+7#(:&1#<7#
%$,,)"*#OC[\\C^_`C[a^\#b0"-$7#(:/08*:#G/)-$7#-8/)"*#"0/1$,#<8;)"&;;#:08/;#0/#<7#
%0//&%()"*#708/#I(8-&"(#Q,)*)<),)(7#40()%&#DIQ4E#$;#)"-)%$(&-=##
o !+#708#/&%&)>&-#$#T)/&%(#I($++0/-#Y0$"#D+0/1$,,7#I($++0/-E#$(#708/#'/)0/#;%:00,#708#
;:08,-#%0"($%(#(:&1#(0#%01',&(&#Q@)(#308";&,)"*#$"-M0/#%01',&(&#$"#!"CI%:00,#
T&+&/1&"(#+0/1=##U:);#+0/1#;:08,-#<&#%01',&(&-#<7#08/#2&*);(/$/F;#?++)%&#(:&#+)/;(#.&&9#
0+#(:&#;&1&;(&/=#H--)()0"$,,76#)+#708/#'/&>)08;#;%:00,#*$>&#708#$#J&/9)";#Y0$"6#%0"($%(#
(:&)/#,0$"#%0,,&%()0";#0++)%&#(0#%01',&(&#$"#)"C;%:00,#-&+&/1&"(#+0/1=#
o !+#708#.&/&#%:0;&"#+0/#+&-&/$,#>&/)+)%$()0"#$(#708/#'/&>)08;#%0,,&*&#$"-#%01',&(&-#(:&#
'/0%&;;6#708#.),,#"&&-#(0#%01',&(&#2$1$'0#30,,&*&F;#W&/)+)%$()0"#J/0%&-8/&;#$;#.&,,=#
c&&'#$#%0'7#0+#$,,#+0/1;#708#;8<1)((&-#(0#708/#'/&>)08;#%0,,&*&6#.&#1$7#$;9#+0/#(:0;&#$;#
.&,,=##
#
- 6 -
IV. 5*97;##!:>)#7?;<=6;)@)<;4<6!:;#$
B08#1$7#%0"()"8&#(0#+),&#$#G/&&#H'',)%$()0"#+0/#G&-&/$,#I(8-&"(#H)-#DGHGIHE#$+(&/#08/#'/)0/)(7#
-&$-,)"&#$"-#;8<1)(#$"7#/&A8)/&-#-0%81&"($()0"d#:0.&>&/6#(:&/&#$/&#;'&%)+)%#-&$-,)"&;#
$;;0%)$(&-#.)(:#&$%:#;(8-&"(#$)-#'/0*/$1=##!"#$--)()0"#(0#(:&#'/0%&;;&-#GHGIH6#08/#0++)%&#18;(#
receive$all$requested$documentation=#U:&#-&$-,)"&;#$,,0.#'/0%&;;)"*#$"-#$8(:0/)V$()0"#0+#
-);<8/;&1&"(;#.)(:)"#()1&+/$1&;#-&+)"&-#<7#/&*8,$()0";#'&/($)")"*#(0#+&-&/$,#$"-#;($(&#$)-#
'/0*/$1;=##G$),8/&#(0#$'',7#+0/#0/#;8<1)(#/&A8)/&-#-0%81&"($()0"#<7#(:&#)"-)%$(&-#-&$-,)"&;#
1$7#/&;8,(#)"#$#,0;;#0+#+)"$"%)$,#$)-#&,)*)<),)(7#+0/#$,,#;(8-&"(#$)-#'/0*/$1;=##J,&$;&#%0"($%(#08/#
0++)%&#;'&%)+)%#-&$-,)"&#-$(&;=##
Processing$Timeline:$
October$1
st
$–$March$1
st
#301',&(&#(:&#GHGIHd#1$9&#%&/($)"#$,,#0+#708/#-$($#);#$%%8/$(&=#U:&#
/&A8)/&-#+&-&/$,#)"%01&#($@#/&(8/";#$/&#"&&-&-#(0#%01',&(&#(:&#+0/1#$%%8/$(&,7=#G0/#'/)0/)(7#
%0";)-&/$()0"6#(:&#+0/1#18;(#<&#/&%&)>&-#<7#(:&#+&-&/$,#'/0%&;;0/#<7#b$/%:#O=##
October$1
st
$–$Ongoing##B08#1$7#<&#;&,&%(&-#+0/#>&/)+)%$()0"6#$#;)*"&-#%0'7#0+#708#$"-#708/#
'$/&"(F;#($@#(/$";%/)'(;#+/01#(:&#!2I#$,0"*#.)(:#08/#>&/)+)%$()0"#.0/9;:&&(;#$"-#0(:&/#/&,$(&-#
-0%81&"(;#D,0%$(&-#)"#(:&#2$1$'0#I&,+#I&/>)%&E#18;(#<&#;8<1)((&-#(0#(:&#G)"$"%)$,#H)-#?++)%&=#
February$–$May$G)"$"%)$,#H)-#+)"$"%)"*#',$";#.),,#<&#&1$),&-#(:/08*:#(:&#;(8-&"(;#I,$(&#
$'',)%$()0"#;7;(&1#+0/#)"%01)"*#;(8-&"(;#)"-)%$()"*#&;()1$(&-#&,)*)<),)(7#+0/#$,,#+&-&/$,6#;($(&#
$"-M0/#)";()(8()0"$,#$)-#)"%,8-)"*#(:&#T)/&%(#DI($++0/-E#I8<;)-)V&-#$"-#X";8<;)-)V&-#Y0$";#
<&*)"")"*#"0#,$(&/#(:$"#G&</8$/7=##U:&#;(8-&"(#%$"#$%%&'(M-&"7#,0$";#>)$#2$1$'0#30,,&*&#I&,+#
I&/>)%&#$%%08"(=#!+#$#;(8-&"(#.);:&;#(0#-&%,)"&#$#*/$"(#(:&7#18;(#'8(#)(#)"#./)()"*#$"-#&)(:&/#
1$),6#&1$),6#0/#+$@#(:&#"0()+)%$()0"#(0#(:&#?++)%&#0+#G)"$"%)$,#H)-=##G)/;(#()1&#T)/&%(#DI($++0/-E#Y0$"#
<0//0.&/;#$/&#/&A8)/&-#(0#;)*"#$#b$;(&/#J/01);;0/7#40(&#$"-#%01',&(&#Q"(/$"%&#308";&,)"*#$(#
...=;(8-&"(,0$";=*0>#=#
Late$May-June$30"()"8)"*#;(8-&"(;#.),,#/&%&)>&#&1$),#"0()+)%$()0";#(:$(#$.$/-;M+)"$"%)"*#
',$";#$/&#$>$),$<,&#(:/08*:#(:&)/#2$1$'0#30,,&*&#I&,+#I&/>)%&=Z%0"()"8)"*#;(8-&"(#$.$/-;#
%$""0(#<&#'/0%&;;&-#8"(),#(:&#IHJ#/&>)&.#'/0%&;;#);#%01',&(&-#$+(&/#;'/)"*#*/$-&;#$/&#'0;(&-=#
July$B08#.),,#/&%&)>&#$"#&C<),,)"*#;($(&1&"(#>)$#708/#2$1$'0#&1$),#$--/&;;#)"#&$/,7#58,7=##U:&#
<),,#);#-8&#)"#H8*8;(=##QC<),,)"*#;($(&1&"(;#.),,#<&#*&"&/$(&-#.&&9,7#(:&/&$+(&/#+0/#;(8-&"(;#.:0#
%01',&(&#(:&#/&*);(/$()0"#'/0%&;;#+/01#58,7#(:/08*:#I&'(&1<&/=##H,,#+)"$"%)$,#0<,)*$()0";#18;(#
<&#;$();+)&-#<7#(:&#'$71&"(#-8&#-$(&#(0#;&%8/&#708/#%,$;;&;=#U:&#;'/)"*#;&1&;(&/#<),,;#.),,#<&#
$>$),$<,&#)"#&$/,7#T&%&1<&/#$"-#-8&#)"#&$/,7#5$"8$/7=##G0/#A8&;()0";#/&*$/-)"*#<),,;6#',&$;&#
%0"($%(#(:&#?++)%&#0+#I(8-&"(#H%%08"(;#$(#;(8-&"($%%(;e/$1$'0=&-8#I(8-&"(;#;:08,-#%0"()"8&#
(0#%:&%9#(:&)/#$%%08"(;#/&*8,$/,7#+0/#8'-$(&-#)"+0/1$()0"=##
August$G&-&/$,#,0$"#'/01);;0/7#"0(&;#18;(#<&#;)*"&-#$"-#%01',&(&-#0",)"&=#N&#;8/&#708/#<),,#);#
;$();+)&-#(0#$>0)-#,$(&#+&&;6#-&/&*);(/$()0"#+/01#%08/;&;6#0/#:0,-;#0"#708/#$%%08"(=##
September#I(8-&"(#&"/0,,1&"(6#/&;)-&"%&#$"-#:08;)"*#;($(8;#$/&#>&/)+)&-#'/)0/#(0#
-);<8/;&1&"(=#I(8-&"(;#$/&#"0()+)&-#0+#$"7#%:$"*&;#0/#$-R8;(1&"(;#(0#$)-#>)$#$#+0,,0.C8'#$.$/-#
"0()+)%$()0"#>)$#&1$),#$"-#2$1$'0#30,,&*&#I&,+CI&/>)%&=#I(8-&"(;#.)(:#$#%/&-)(#<$,$"%&#%$"#
/&A8&;(#$#<009#$->$"%&#(0#'8/%:$;&#<009;#)"#(:&#2$1$'0#<009#;(0/&=#I(8-&"(;#',$"")"*#(0#8;&#
%/&-)(#<$,$"%&#+0/#0++C%$1'8;#&@'&";&;#;:08,-#',$"#$%%0/-)"*,7d#/&+8"-#%:&%9;#+0/#(:&#%/&-)(#
<$,$"%&;#$/&#"0(#);;8&-#8"(),#$+(&/#-);<8/;&1&"(#D+)/;(#.&&9#0+#?%(0<&/E=##
- 7 -
October$G$,,#(&/1#+)"$"%)$,#$)-#/&+8"-#%:&%9;#$/&#1$),&-#0/#-)/&%(#-&'0;)(&-#)"(0#(:&#$;;)*"&-#
$%%08"(=#D+0/#10/&#)"+0/1$()0"#0"#-)/&%(#-&'0;)(#',&$;&#>);)(#
:((';LMM...=/$1$'0=&-8M;(8-&"(C$%%08"(;M-)/&%(C-&'0;)(M#E#f8&;()0";#/&*$/-)"*#/&+8"-#
%:&%9;#;:08,-#<&#;&"(#(0#(:&#?++)%&#0+#I(8-&"(#H%%08"(;#$(#;(8-&"($%%(;e/$1$'0=&-8##
November$–$December$$2&*);(/$()0"#+0/#;'/)"*#%,$;;&;#<&*)";=#
V. UNDERSTANDING$FIANCIAL$AID$PACKAGING$$
Awarding$Aid$on$Basis$of$Hours$Enrolled:$
B08/#+)"$"%)$,#$)-#$.$/-#.),,#<&#+)"$,)V&-#<$;&-#0"#(:&#"81<&/#0+#%/&-)(;#+0/#.:)%:#708#$/&#
/&*);(&/&-=#!")()$,,76#.:&"#-&(&/1)")"*#708/#"&&-#+0/#+)"$"%)$,#$;;);($"%&6#.&#$;;81&#(:$(#708#.),,#
<&#&"/0,,&-#+8,,C()1&#DO`CO[#%/&-)(;E#'&/#;&1&;(&/=##U:);#);#/&+,&%(&-#)"#(:&#0/)*)"$,#$.$/-#
"0()+)%$()0"6#.:)%:#08(,)"&;#(:&#(7'&;#$"-#$108"(;#0+#$)-#(0#<&#/&%&)>&-#+0/#(:&#'&/)0-#0+#
&"/0,,1&"(=##
G)"$"%)$,#$)-#<$;&-#0"#&"/0,,1&"(#D)=&=6#G&-&/$,#J&,,#K/$"(;6#45#I($(&#H)-#DUHKE6#G&-&/$,#Y0$";E#.),,#
<&#$-R8;(&-#-8/)"*#(:&#0++)%)$,#-/0'M$--#'&/)0-=##!+#708#&"/0,,&-#+0/#,&;;#(:$"#O`#%/&-)(;#$(#(:&#
%0"%,8;)0"#0+#(:&#$--M-/0'#'&/)0-6#708/#$.$/-;#.),,#<&#/&-8%&-#$%%0/-)"*,76#'0;;)<,7#/&;8,()"*#)"#
(:&#%$"%&,,$()0"M$-R8;(1&"(#0+#+)"$"%)$,#$)-#+8"-;#'/&>)08;,7#$.$/-&-#$"-M0/#-);<8/;&-=##!(#);#
/&%011&"-&-#(:$(#708#%0";8,(#.)(:#$#+)"$"%)$,#$)-#$-1)");(/$(0/#<&+0/&#1$9)"*#&"/0,,1&"(#
%:$"*&;=#G&-&/$,#Y0$"#'/0*/$1;#/&A8)/&#$(#,&$;(#:$,+C()1&#Da#%/&-)(;E#&"/0,,1&"(#$"-#%&/($)"#
G&-&/$,#$"-#I($(&#'/0*/$1;#/&A8)/&#+8,,C()1&#&"/0,,1&"(=#
'
Full-time'
Three'quarters-time'
Half-time'
Undergraduate'
12'credits'or'more'
9-11'credits'
6'credits'
Graduate'
9'credits'
6-8'credits'
4.5'credits'
#Award$Notification:$
!"%01)"*#+/&;:1&"#.:0#$'',7#+0/#$)-#0"#0/#<&+0/&#b$/%:#O#;:08,-#/&%&)>&#$"#)")()$,#30,,&*&#
G)"$"%)"*#J,$"#)"#>)$#&1$),#)"#H'/),#0/#b$7#&;()1$()"*#(:&#$108"(#$"-#(7'&;#0+#$)-#(0#<&#/&%&)>&-=#
H,,#%0"()"8)"*#;(8-&"(;#$"-#(/$";+&/#;(8-&"(;#.:0#;8<1)(#(:&)/#GHGIH#0"#0/#<&+0/&#b$/%:#O#;:08,-#
/&%&)>&#$"#)")()$,#$.$/-#"0()+)%$()0"M+)"$"%)"*#',$"#>)$#(:&)/#2$1$'0#&1$),#$%%08"(#)"#58"&=#
J,&$;&#/&>)&.#(:&#+)"$"%)$,#$)-#+)"$"%)"*#',$"#%$/&+8,,7=#!(#)"-)%$(&;#(:&#(7'&;#$"-#$108"(;#0+#$)-#+0/#
.:)%:#708#$/&#&,)*)<,&#$(#2345#$"-#$"7#$--)()0"$,#$%()0"#/&A8)/&-#0"#708/#'$/(=##!(#'/0>)-&;#
)1'0/($"(#*8)-$"%&#+0/#/&%&)>)"*#$"-#1$)"($)")"*#708/#+)"$"%)$,#$)-=##
U:&#$.$/-;#$"-#,0$";#$/&#<$;&-#0"#(:&#1$@)181#$,,0.$<,&#+0/#&$%:#'/0*/$1#(:$(#%$"#<&#1$-&#(0#
708#<$;&-#8'0"#(:&#)"+0/1$()0"#'/0>)-&-#$"-#+8"-;#$>$),$<,&#(0#(:&#%0,,&*&=##U:&#$.$/-;#$/&#
;8<R&%(#(0#>&/)+)%$()0"#/&A8)/&1&"(;#$"-#1$7#<&#$-R8;(&-#$;#($@#/&(8/"#(/$";%/)'(;#$"-#0(:&/#
-0%81&"($()0"#$/&#/&%&)>&-=##I(8-&"(;#.),,#/&%&)>&#$"#&1$),#"0()+)%$()0"#)+#$"-#.:&"#(:&7#$/&#
;&,&%(&-#+0/#>&/)+)%$()0"=#
U:&#$>$),$<),)(7#0+#+8"-;#+/01#+&-&/$,#$"-#;($(&#'/0*/$1;#);#;8<R&%(#(0#30"*/&;;)0"$,#$"-#45#I($(&#
Y&*);,$()>&#$''/0'/)$()0";#$"-#;8<R&%(#(0#%:$"*&;#)"#+&-&/$,#$"-#;($(&#,&*);,$()0"#$"-#/&*8,$()0";=##
Understanding$Your$Award$Notification/College$Financing$Plan$Definitions:$
U:&#H.$/-#40()+)%$()0"#,&((&/M&1$),M+)"$"%)"*#',$"#-);',$7;#(:&#+)"$"%)$,#$)-#708#$/&#&,)*)<,&#(0#
/&%&)>&#+0/#(:&#$%$-&1)%#7&$/#$;#.&,,#$;#708/#$"()%)'$(&-#-)/&%(#$"-#)"-)/&%(#%0;(;=#H.$/-;#$"-#
- 8 -
&;()1$(&-#%0;(;#$/&#<$;&-#0"#Full-Time#$((&"-$"%&=##G&-&/$,#T)/&%(#Y0$";#/&A8)/&#a#0/#10/&#%/&-)(;#
+0/#X"-&/*/$-8$(&#;(8-&"(;#$"-#]=g#0/#10/&#%/&-)(;#+0/#K/$-8$(&#;(8-&"(;#H,,#45#I($(&#H.$/-;#
/&A8)/&#O`#0/#10/&#%/&-)(;=##G)"$"%)$,#$)-#$.$/-;#$/&#-)>)-&-#)"(0#(.0#&A8$,#;&1&;(&/#$108"(;#$"-#
.),,#<&#$'',)&-#$;#&;()1$(&-#$)-#(0#708/#&;()1$(&-#$)-#(0#708/#;&1&;(&/#<),,=##
!+#708#$/&#&,)*)<,&#+0/#$#G&-&/$,#T)/&%(#Y0$"6#708/#$.$/-#"0()+)%$()0"#.),,#)"-)%$(&#(:&#1$@)181#
$108"(#708#%$"#<0//0.#<$;&-#8'0"#%/&-)(#:08/;#&$/"&-=##H,,#+)/;(#()1&#<0//0.&/;#18;(#;)*"#$#
b$;(&/#J/01);;0/7#40(&#$"-#%01',&(&#Q"(/$"%&#308";&,)"*#$(#...=;(8-&"(,0$";=*0>##
H"7#/&1$)")"*#+)"$"%)$,#$)-#-8&#(0#708#$+(&/#708/#<),,$<,&#%:$/*&;#:$>&#<&&"#;$();+)&-#.),,#<&#;&"(#(0#
708#<7#(:&#0++)%&#0+#I(8-&"(#H%%08"(;#$+(&/#(:&#-);<8/;&1&"(#'&/)0-#DG$,,#;&1&;(&/#h#?%(0<&/d#
I'/)"*#;&1&;(&/#h#G&</8$/7E=#
Student$Employment:$
U:&#$.$/-#"0()+)%$()0"#.),,#;($(&#(:&#$108"(#708#$/&#$<,&#(0#&$/"#+0/#(:&#$%$-&1)%#7&$/=#!(#);#(:&#
;(8-&"(F;#/&;'0";)<),)(7#(0#+)"-#&1',071&"(#0"#%$1'8;#;0#(:&7#%$"#8;&#(:&;&#+8"-;=#!+#$#;(8-&"(#
-0&;#"0(#+)"-#&1',071&"(#<7#(:&#&"-#0+#?%(0<&/6#(:);#$.$/-#.),,#<&#/&10>&-#+/01#(:&)/#H.$/-#
40()+)%$()0"=##Q$/")"*;#+/01#G&-&/$,#S0/9#I(8-7#.),,#<&#);;8&-#(0#(:&#;(8-&"(#)"#$#<).&&9,7#%:&%9#
+/01#(:&#J$7/0,,#0++)%&=##
Adjustments$to$Financial$Aid$Awards/Overawards:$
2&%&)'(#0+#08(;)-&#$.$/-;#.),,#/&;8,(#)"#$#/&>)&.#0+#708/#+)"$"%)$,#$)-#'$%9$*&#(0#&";8/&#(:$(#"0#
0>&/C$.$/-)"*#0+#+&-&/$,#0/#;($(&#+8"-;#:$;#<&&"#1$-&=#!"#$%%0/-$"%&#.)(:#G&-&/$,6#I($(&#$"-#
30,,&*&#'0,)%76#$"7#;(8-&"(#.:0#/&%&)>&-#$#%01<)"$()0"#0+#08(;)-&6#*0>&/"1&"(#$"-#)";()(8()0"$,#
+8"-;#/&-8%&-#0/#%$"%&,&-#;0#(:$(#(:&#(0($,#$.$/-#-0&;#"0(#&@%&&-#%0;(#0+#$((&"-$"%&=##
I(8-&"(;#18;(#H%%&'(#0/#T&%,)"&#I($++0/-#Y0$";#(:/08*:#(:&#2$1$'0#30,,&*&#I&,+CI&/>)%&=##B08/#,0$"#
.),,#"0(#$''&$/#0"#708/#<),,#8"(),#708#-0#;0=##J,&$;&#+0,,0.#(:&;&#)";(/8%()0";L#
Y0*#)"(0#2$1$'0#30,,&*&#I&,+CI&/>)%&#17=/$1$'0=&-8#.)(:#708/#2$1$'0#Q1$),#8;&/"$1&#$"-#
'$;;.0/-6#%,)%9#0"#S&<#I&,+CI&/>)%&#D,0*#)"#.)(:#708/#2$1$'0#8;&/"$1&#$"-#'$;;.0/-E#
O= I&,&%(#iStudent$Services$&$Financial$Aidj#$"-#iFinancial$Aidj#
`= I&,&%(#iMy$Award$Informationj#$"-#iAward$by$Aid$Yearj#
k= 3:00;&#H.$/-#B&$/#`\O^#C`\O[#
]= I&,&%(#iAccept$Award$Offerj#($<#
U:&#H.$/-#?>&/>)&.#($<#);#$#;811$/7#0+#708/#+)"$"%)$,#$)-#'$%9$*&=##U:&#U&/1;#$"-#30"-)()0";#($<#
'/0>)-&;#708#.)(:#)1'0/($"(#)"+0/1$()0"#$<08(#708/#$.$/-;=##U:&#iAccept$Award$Offerj#($<#);#
.:&/&#708#18;(#%:00;&#(0#$%%&'(#0/#-&%,)"&#708/#,0$";=#
U:&#N),,)"*#I($(&1&"(L#
B08#.),,#/&%&)>&#$"#&C<),,)"*#;($(&1&"(#>)$#708/#2$1$'0#30,,&*&#I&,+CI&/>)%&#$%%08"(#+/01#(:&#0++)%&#
0+#I(8-&"(#H%%08"(;#)"#&$/,7#58,7#.:)%:#);#-8&#&$/,7#H8*8;(=##N),,)"*#;($(&1&"(;#.),,#<&#*&"&/$(&-#
.&&9,7#(:&/&$+(&/#+0/#;(8-&"(;#.:0#%01',&(&#(:&#/&*);(/$()0"#'/0%&;;#<&(.&&"#58,7#$"-#I&'(&1<&/=##
H,,#+)"$"%)$,#$//$"*&1&"(;#18;(#<&#;$();+)&-#<7#(:&#'$71&"(#-8&#-$(&#(0#;&%8/&#708/#%,$;;&;=##U:&#
;'/)"*#;&1&;(&/#<),,#);#;&"(#)"#T&%&1<&/#$"-#-8&#+)/;(#.&&9#0+#5$"8$/7=##
- 9 -
U:&#&C<),,)"*#;($(&1&"(#,);(;#(:&#$108"(#0+#(8)()0"#$"-#+&&;#+0/#(:&#;&1&;(&/6#/001#$"-#<0$/-#
%:$/*&;#+0/#;(8-&"(;#,)>)"*#0"#%$1'8;6#$"-#0(:&/#1);%&,,$"&08;#%:$/*&;#708#0.&#(0#(:&#30,,&*&=##H;#
,0"*#$;#708#:$>&#1&(#$,,#'/0*/$1#/&A8)/&1&"(;6#+)"$"%)$,#$)-#(0#<&#/&%&)>&-#+0/#(:$(#;&1&;(&/#.),,#
<&#'0;(&-#$;#&;()1$(&-#$)-#0"#(:&#<),,=##
!+#708#$/&#$#%0"()"8)"*#;(8-&"(#$"-#-&%)-&#"0(#(0#/&(8/"#2$1$'0#30,,&*&6#708#18;(#%$"%&,#708/#
/&*);(/$()0"#$"-#%01',&(&#$"7#'$'&/.0/9#.)(:#2&*);(/$/F;#?++)%&=##
!+#708#-&%)-&#"0(#(0#$((&"-#2$1$'0#30,,&*&#$;#$"#)"%01)"*#;(8-&"(6#708#18;(#"0()+7#(:&#?++)%&#0+#
H-1);;)0";#0+#708/#-&%);)0"=##
!+#708/#%:$/*&;#&@%&&-#(:&#$108"(#0+#&;()1$(&-#+)"$"%)$,#$)-6#708#1$7#($9&#$->$"($*&#0+#0"&#0+#(:&#
30,,&*&F;#'$71&"(#0'()0";#,);(&-#)"#(:&#"&@(#;&%()0"=#
!+#$)-#);#"0(#%/&-)(&-#(0#708/#$%%08"(6#%:&%9#(0#<&#;8/&#(:$(L#
O= B08#:$>&#%01',&(&-#$#GHGIH#$(#...=+$+;$=&-=*0>#$"-#)(#);#+8,,7#'/0%&;;&-=#
`= B08#$/&#/&*);(&/&-#+0/#(:&#"&%&;;$/7#"81<&/#0+#%/&-)(#:08/;#(0#/&%&)>&#+8"-;#$.$/-&-=#b0;(#
+8"-;#/&A8)/&#$(#,&$;(#a#%/&-)(;#$#;&1&;(&/d#:0.&>&/6#;01&#;%:0,$/; :)';#$"-#;($(&#*/$"(;#
/&A8)/&#O`#%/&-)(;#$#;&1&;(&/=##
k= B08#:$>&#%01',&(&-#$,,#0+#(:&#>&/)+)%$()0"#/&A8)/&1&"(;=##
$= Y0$"#/&%)')&"(;#18;(#%01',&(&#(:&#%0//&%(#Q"(/$"%&#308";&,)"*#$"-#$#T)/&%(#Y0$"#
b$;(&/#J/01);;0/7#40(&#$(#...=;(8-&"(,0$";=*0>##
U:&#$<0>&#;(&';#18;(#<&#%01',&(&-#<&+0/&#-);<8/;&1&"(#0+#(:&;&#$.$/-;#(0#708/#$%%08"(=#I:08,-#
708/#&"/0,,1&"(#%:$"*&#<&+0/&#-);<8/;&1&"(6#708#1$7#,0;&#&,)*)<),)(7#+0/#%&/($)"#'/0*/$1;#$"-6#
%0";&A8&"(,76#,0;&#+8"-)"*=#!+#708/#$%%08"(#);#"0(#%0//&%(#<7#(:&#()1&#0+#708/#$//)>$,#0"#%$1'8;#+0/#
%,$;;&;6#708#"&&-#(0#/&;0,>&#(:&#'/0<,&1#.)(:#(:&#?++)%&#0+#G)"$"%)$,#H)-=#S:&"#(:&#'/0<,&1#);#
/&;0,>&-6#$)-#.),,#<&#);;8&-#(0#708/6#'/0>)-&-#708#1&&(#$,,#&,)*)<),)(7#/&A8)/&1&"(;=##
After$Financial$Aid:$Payment$Options:$
J$71&"(;#+0/#(8)()0"#$"-#+&&;#$"-#/001#$"-#<0$/-#$/&#-8&#&$%:#;&1&;(&/#<7#-$(&;#-&(&/1)"&-#<7#
(:&#?++)%&#0+#I(8-&"(#H%%08"(;=##B08#%$"#'$7#(:&#'0/()0"#0+#708/#<),,#(:$(#);#"0(#%0>&/&-#<7#+)"$"%)$,#
$)-#+0/#(:&#;&1&;(&/#)"#0"&#'$71&"(#>)$#%/&-)(#%$/-6#%:&%9#0/#%$;:6#0/#708#%$"#8;&#0"&#0+#(:&#
30,,&*&F;#'$71&"(#',$";=##G0/#10/&#)"+0/1$()0"#/&*$/-)"*#(:&#'$71&"(#',$"#$"-#0(:&/#'$71&"(#
0'()0";#',&$;&#*0#(0#:((';LMM...=/$1$'0=&-8M;(8-&"(C$%%08"(;M0'()0";C'0,)%)&;M##
#
VI. REQUEST$SPECIAL$CIRCUMSTANCE/DEPENDENCY$OVERRIDE$
Change$in$Family$Status/Circumstance:$
!+#708/#;($(8;#0/#708/#+$1),7F;#%)/%81;($"%&;#%:$"*&#<&%$8;&#0+#;&'$/$()0"6#-)>0/%&6#8"&1',071&"(#
0/#-&$(:#0+#$#.$*&#&$/"&/6#(:&#?++)%&#0+#G)"$"%)$,#H)-#1$7#<&#$<,&#(0#:&,'=##J,&$;&#&1$),#08/#0++)%&#
&@',$)")"*#708/#%)/%81;($"%&#$"-#.&#.),,#;&"-#708#(:&#!"%01&#2&-8%()0"M#I'&%)$,#3)/%81;($"%&#
2&A8&;(#G0/1=##U:&#+0/1#18;(#<&#;8<1)((&-#.)(:#$,,#/&A8)/&-#;8''0/()"*#-0%81&"($()0"#$;#,);(&-#
0"#(:&#+0/1=##H"7#$-R8;(1&"(#)"#$)-#/&;8,()"*#+/01#(:);#/&A8&;(#);#%0"()"*&"(#8'0"#708/#&,)*)<),)(7#
$%%0/-)"*#(0#'/0*/$1#/&*8,$()0";#$(#(:&#()1&#0+#/&>)&.=#J,&$;&#"0(&#(:$(#;(8-&"(;#$/&#/&;'0";)<,&#(0#
'$7#(:&)/#<$,$"%&;#.:),&#(:);#/&>)&.#);#'&"-)"*=##G$),8/&#(0#'$7#(:&#<$,$"%&#1$7#/&;8,(#)"#$#,$(&#+&&;6#
-&/&*);(/$()0"6#,0;;#0+#:08;)"*#&(%=##
- 10 -
T&(&/1)")"*#!"-&'&"-&"(#I($(8;L#
U0#-&(&/1)"&#!"-&'&"-&"(#I($(8;6#(:&#?++)%&#0+#G)"$"%)$,#H)-#);#/&A8)/&-#(0#$-:&/&#(0#(:&#;($"-$/-#
-&+)")()0"#0+#)"-&'&"-&"(#;($(8;#$;#1$"-$(&-#<7#30"*/&;;#$"-#08(,)"&-#<7#(:&#X")(&-#I($(&;#
T&'$/(1&"(#0+#Q-8%$()0"=##
H%%0/-)"*#(0#(:);#-&+)")()0"6#708#.),,#<&#%0";)-&/&-#$"#$8(01$()%#)"-&'&"-&"(#;(8-&"(#)+#708#1&&(#
0"&#0+#(:&#+0,,0.)"*#%/)(&/)$L#
v B08#:$>&#/&$%:&-#`]#7&$/;#0+#$*&#
v B08#$/&#$"#0/':$"#0/#,&*$,#.$/-#0+#(:&#%08/(#D0/#.$;#'/)0/#(0#708/#O[
th
#<)/(:-$7E#Z/&A8)/&;#
-0%81&"($()0"##
v B08#$/&#$#>&(&/$"#0+#(:&#H/1&-#G0/%&;#Z1$7#/&A8)/&#-0%81&"($()0"#
v B08#$/&#1$//)&-#$(#(:&#()1&#0+#+),)"*##
v B08#$/&#&"/0,,&-#)"#$#*/$-8$(&#0/#'/0+&;;)0"$,#'/0*/$1#D<&70"-#<$%:&,0/F;#-&*/&&E#
v B08#:$>&#,&*$,#-&'&"-&"(;#0(:&/#(:$"#$#;'08;&#+0/#.:01#B?X#'/0>)-&#$(#,&$;(#g\l#;8''0/(#
Z/&A8)/&;#-0%81&"($()0"#
I(8-&"(;#.:0#A8$,)+7#$;#$8(01$()%$,,7#)"-&'&"-&"(#$/&#"0(#/&A8)/&-#(0#'/0>)-&#'$/&"(;F#
)"+0/1$()0"#0"#(:&#G/&&#H'',)%$()0"#+0/#G&-&/$,#I(8-&"(#H)-#DGHGIHE=#U:&#?++)%&#0+#G)"$"%)$,#H)-#
-0&;#/&;&/>&#(:&#/)*:(6#:0.&>&/6#(0#/&A8&;(#$--)()0"$,#-0%81&"($()0"#(0#>&/)+7#708/#-&'&"-&"%7#
;($(8;=##
!+#708#<&,)&>&#708#:$>&#;'&%)$,#%)/%81;($"%&;#(:$(#.$//$"(#<&)"*#%0";)-&/&-#)"-&'&"-&"(#<&70"-#
(:&#$<0>&#/&$;0";6#',&$;&#%0"($%(#08/#0++)%&#;0#.&#%$"#;&(#8'#$"#$''0)"(1&"(=##I(8-&"(;#18;(#1&&(#
.)(:#$#+)"$"%)$,#$)-#%08";&,0/#$"-#'/0>)-&#/&A8)/&-#-0%81&"($()0"#(0#'/0%&&-#.)(:#(:);#/&A8&;(=##
J,&$;&#"0(&#(:$(#1&&()"*#.)(:#$#%08";&,0/#-0&;#"0(#*8$/$"(&&#)"-&'&"-&"(#;($(8;=##
#
VII. ELIGIBILITY$CONFIRMATION$&$VERIFICATION$
Who$is$Eligible$for$Financial$Aid?$$
B08/#;($(8;#$(#(:&#30,,&*&#.),,#-&(&/1)"&#(:&#&@(&"(#(0#.:)%:#708#$/&#&,)*)<,&#+0/#(:&#+)"$"%)$,#$)-#
'/0*/$1;=##B08/#&"/0,,1&"(#$;#$#+8,,C#0/#'$/(C()1&#;(8-&"(6#8"-&/*/$-8$(&#0/#*/$-8$(&6#);#
'$/()%8,$/,7#%/)()%$,#)"#-&(&/1)")"*#708/#&,)*)<),)(7#+0/#*0>&/"1&"(#'/0*/$1;6#$"-#(:&#&@(&"(#(0#
.:)%:#708#%$"#<&#+8"-&-=##
H--)()0"$,,7#708#18;(L#
v P$>&#$#>$,)-#I0%)$,#I&%8/)(7#"81<&/#
v N&#$#XI#%)()V&"6#"$()0"$,6#0/#'&/1$"&"(#/&;)-&"(#
v P$>&#$#P)*:#;%:00,#-)',01$#0/#KQT#
v N&#&"/0,,&-#$;#$#/&*8,$/#;(8-&"(#)"#$"#&,)*)<,&#'/0*/$1##
v b$9&#;$();+$%(0/7#$%$-&1)%#'/0*/&;;#
v 40(#<&#)"#-&+$8,(#)"#$"7#,0$"#'/0*/$1#0/#0.&#$"7#+&-&/$,#/&+8"-#
v T0&;#"0(#&@%&&-#(:&#$,,0.$<,&#,)1)(;#D)&=#%01',&()0"#0+#%/&-)(;#)"#$#()1&,7#1$""&/E#+0/#708/#
'/0*/$1#
v 2&*);(&/#.)(:#I&,&%()>&#I&/>)%&#I7;(&1#+0/#$,,#1$,&;#<&(.&&"#O[C`a#
#
- 11 -
$
Undergraduate$Students:$
X"-&/*/$-8$(&#;(8-&"(;#'8/;8)"*#(:&)/#+)/;(#+08/C7&$/#8"-&/*/$-8$(&#-&*/&&#DN$%:&,0/;E#1$7#<&#
&,)*)<,&#+0/#(:&#+8,,#$//$7#0+#+)"$"%)$,#$)-#'/0*/$1;#+/01#(:&#+&-&/$,#$"-#;($(&#*0>&/"1&"(;=##U:0;&#
;(8-&"(;#.);:)"*#(0#0<($)"#$#;&%0"-#+08/#7&$/#-&*/&&#0/#$#'/0*/$1#%&/()+)%$(&#1$7#0",7#A8$,)+7#+0/#
+&-&/$,#,0$";=#
Federal$Verification:$
H#'/0%&;;#.:&/&#(:&#?++)%&#0+#G)"$"%)$,#H)-#%:&%9;#(:&#$%%8/$%7#0+#(:&#)"+0/1$()0"#(:&#;(8-&"(#$"-#
+$1),7#'/0>)-&-#0"#(:&#GHGIH=##!"#(:);#'/0%&;;6#2$1$'0#30,,&*&#.),,#%01'$/&#(:&#)"+0/1$()0"#0"#
708/#$'',)%$()0"#.)(:#%0')&;#0+#708/#D$"-#708/#'$/&"(;M$"-#0/#;'08;&F;#)+#708#$/&#1$//)&-E#G&-&/$,#
($@#/&(8/"#(/$";%/)'(6#S`#+0/1;#0/#0(:&/#+)"$"%)$,#-0%81&"(;=##B08#18;(#;8<1)(#(:);#)"+0/1$()0"#
<&+0/&#708/#G&-&/$,#$)-#);#-);<8/;&-=##!+#(:&/&#$/&#-)++&/&"%&;#<&(.&&"#708/#$'',)%$()0"#)"+0/1$()0"#
$"-#708/#+)"$"%)$,#-0%81&"(;6#2$1$'0#30,,&*&#18;(#;8<1)(#%0//&%()0";#$"-#$-R8;(#708/#$)-#<$;&-#
0"#708/#&,)*)<),)(7=##
State$Verification:$
!+#708#$/&#$#4&.#5&/;&7#/&;)-&"(#/&%&)>)"*#;($(&#$)-#D45#U8)()0"#H)-#K/$"(#DUHKE#0/#0(:&/#;($(&#
'/0*/$1;E6#708#1$7#<&#;&,&%(&-#+0/#I($(&#W&/)+)%$()0"=##!+#708#/&%&)>&#$#/&A8&;(#+0/#$--)()0"$,#
)"+0/1$()0"#+/01#(:&#4&.#5&/;&7#P)*:&/#Q-8%$()0"#I(8-&"(#H;;);($"%&#H8(:0/)(7#DPQIHHE6#708#
18;(#+0/.$/-#$,,#/&A8&;(&-#)"+0/1$()0"#$"-#+)"$"%)$,#-0%81&"(;#-)/&%(,7#(0#PQIHH=##U0#>)&.#(:&#
;($(8;#0+#$"7#08(;($"-)"*#/&A8)/&1&"(;#.)(:#PQIHH#;(8-&"(;#;:08,-#,0*#)"#(0#(:&)/#$%%08"(#.)(:#
PQIHH#$(#:((';LMM"R+$1;=:&;$$=0/*=#
#!"#;01&#%$;&;6#PQIHH#1$7#/&A8&;(#(:&#;$1&#)"+0/1$()0"#(:$(#.$;#/&A8&;(&-#<7#(:&#?++)%&#0+#
G)"$"%)$,#H)-=#B08#18;(#+0/.$/-#(:&#;$1&#)"+0/1$()0"#$"-#-&(&/1)"$()0"#(0#PQIHH#(0#$>0)-#$#-&,$7#
)"#$.$/-)"*6#-);<8/;&1&"(6#0/#,0;;#0+#708/#;($(&#$)-#$,(0*&(:&/=##U0#&";8/&#(:$(#708/#+)"$"%)$,#$)-#
+8"-;#-);<8/;&#$;#;%:&-8,&-#',&$;&#;8<1)(#$,,#/&A8)/&-#-0%81&"($()0"#<&+0/&#;($(&#-&$-,)"&;=##
#
VIII. ENROLLMENT$AT$OTHER$INSTITUTIONS/STUDY$ABROAD$
?%%$;)0"$,,76#;(8-&"(;#.$"(#(0#;'&"-#$#;&1&;(&/#0/#$%$-&1)%#7&$/#$(#$"0(:&/#-01&;()%#)";()(8()0"#
$"-#(/$";+&/#(:&#:08/;#&$/"&-#<$%9#(0#2$1$'0#30,,&*&#0+#45=##I(8-&"(;#0+(&"#&"/0,,#;)18,($"&08;,7#
$(#2345#$"-#$#%0118")(7#%0,,&*&#$"-#.$"(#(0#%01<)"&#(:&#:08/;#$(#<0(:#)";()(8()0";#+0/#+)"$"%)$,#
$)-#'8/'0;&;=##!(#);#'0;;)<,&#(0#/&%&)>&#+)"$"%)$,#$)-#8"-&/#(:&;&#%)/%81;($"%&;#$;#,0"*#$;#%&/($)"#
/&A8)/&1&"(;#$/&#1&(=##
+,-*.#'',/*0"."&1"*2&'#'.&#%*#&$*#/*3,/4*&'(/&/-/&,'(*2,0*/4"*(#5"*.,-0("(6*B08#18;(#-&%,$/&#.:)%:#
)";()(8()0"#);#(0#<&#%0";)-&/&-#(:&#i:01&#)";()(8()0"j#+0/#+)"$"%)$,#$)-#&,)*)<),)(7#'8/'0;&;=#!+#708#
:$>&#<&&"#$''/0>&-#(0#$((&"-#$"0(:&/#)";()(8()0"#-8/)"*#$#;&1&;(&/#+0/#'$/(#0/#$,,#0+#708/#
&-8%$()0"$,#/&A8)/&1&"(;6#708#%$"#/&%&)>&#+)"$"%)$,#$)-#+0/#(:$(#;&1&;(&/#)+#$''/0>&-#)"#$->$"%&#
$"-#)+#$#%0";0/()81#$*/&&1&"(#);#&@&%8(&-#<&(.&&"#2345#$"-#(:&#0(:&/#)";()(8()0"=#DG0/#10/&#
)"+0/1$()0"#/&*$/-)"*#(:);#(0')%6#%0"($%(#(:&#?++)%&#0+#G)"$"%)$,#H)-=E#
B08#1$7#-0.",0$-#(:&#HT#P?3#30";0/()81#G0/1#
:((';LMM;;<$=/$1$'0=&-8L[]]kM;(8-0%;MHTP?3J/0%&-8/&`\`O='-+#
- 12 -
#
#
#
!A" #48!#B4789*C)474<;D!7)5*9>*;##)E#45F)596!7C)
I$();+$%(0/7#H%$-&1)%#J/0*/&;;#DIHJE#+0/#%0"()"8&-#+)"$"%)$,#$)-#&,)*)<),)(7#);#/&>)&.&-#&>&/7#7&$/#
$+(&/#(:&#%0"%,8;)0"#0+#(:&#;'/)"*#;&1&;(&/=#I(8-&"(;#"0(#1$9)"*#+)"$"%)$,#$)-#IHJ#$/&#"0#,0"*&/#
&,)*)<,&#+0/#+)"$"%)$,#$)-#D(:);#)"%,8-&;#+&-&/$,#$"-#;($(&#*/$"(;#$"-#;%:0,$/;:)';6#+&-&/$,#.0/9C;(8-7#
$"-#+&-&/$,#;(8-&"(#,0$";E#<8(6#1$7#/&A8&;(#$"-#/&%&)>&#%&/($)"#$,(&/"$()>&#,0$";#(0#$((&"-#2$1$'0#
30,,&*&=##I(8-&"(;#"0(#1$9)"*#IHJ#1$7#-);%8;;#$,(&/"$()>&#,0$"#0'()0";#(:$(#$/&#$>$),$<,&#.)(:#
(:&)/#Y0$"#308";&,0/#)"#(:&#G)"$"%)$,#H)-#?++)%&=##I(8-&"(;#"0(#1&&()"*#$"7#0+#(:&#;($"-$/-;#08(,)"&-#
<&,0.#.),,#/&%&)>&#$#,&((&/#$"-M0/#&1$),#(0#(:&)/#2$1$'0#30,,&*&#&1$),#$--/&;;#$->);)"*#(:&1#0+#
(:&)/#;($(8;#$"-#(:&#$''&$,;#'/0%&;;#)"#,$(&#b$7M&$/,7#58"&=#
Maximum$Time$Frame$for$Completion$
U:&#1$@)181#()1&#+/$1&#-8/)"*#.:)%:#708#%$"#%0"()"8&#+)"$"%)$,#$)-#&,)*)<),)(7#%$""0(#&@%&&-#
Og\l#0+#(:&#'8<,);:&-#,&"*(:#0+#708/#$%$-&1)%#'/0*/$16#
G0/#&@$1',&6#(:&#"81<&/#0+#%/&-)(;#/&A8)/&-#+0/#N$%:&,0/F;#T&*/&&#'/0*/$1;#$(#2$1$'0#30,,&*&#);#
O`[=#U:&/&+0/&6#.:&"#$"#8"-&/*/$-8$(&#;(8-&"(#:$;#$((&1'(&-#*/&$(&/#(:$"#O_`#%/&-)(;#DO`[#@#O=gE#
$"7#$--)()0"$,#%/&-)(;#(:&7#$((&1'(#.08,-#&@%&&-#(:&#Og\l#1$@)181=#
U:&#"81<&/#0+#%/&-)(;#(:$(#-&+)"&#(:&#1$@)181#()1&#+/$1&#+0/#*/$-8$(&#;(8-&"(;#.),,#>$/7#<$;&-#
0"#(:&#"81<&/#0+#%/&-)(;#/&A8)/&-#<7#(:&#'/0*/$16#<8(#.),,#$,.$7;#<&#-&+)"&-#$;#Og\l#0+#(:&#
'8<,);:&-#,&"*(:#0+#(:&#'/0*/$1=#
S:&"#$#;(8-&"(;F#&"/0,,1&"(#&@%&&-;#(:&#Og\l#'0)"(6#(:&7#$/&#"0#,0"*&/#&,)*)<,&#+0/#+&-&/$,#$"-#
;($(&#+)"$"%)$,#$)-=##I(8-&"(;#1$7#;(),,#:$>&#(:&#0'()0"#0+#$'',7)"*#+0/#$,(&/"$()>&M'/)>$(&#,0$";=#
Credits'transferred'to'Ramapo'College'affect'the'quantitative'measure'and'the'maximum'time'
frame'for'completion.'For'example,'credits'completed'at'another'institution'that'are'being'
counted'towards'a'students’'degree/program'will'be'used'to'determine'academic'progress.'
This'includes'credits'from'other'colleges'as'well'as'other'college'credit'programs'such'as'AP'
and'CLEP.'All'attempted'credits'count'toward'the'150%'time-frame'requirement,'even'if'a'
student'changes'major.#
Qualitative$Standard$
H(#(:&#()1&#0+#(:&#$""8$,#IHJ#/&>)&.6#8"-&/*/$-8$(&#;(8-&"(;#$/&#&@'&%(&-#(0#:$>&#$#%818,$()>&#
*/$-&#'0)"(#$>&/$*&#DKJHE#$(#2$1$'0#30,,&*&#0+#$(#,&$;(#`=\#)"#0/-&/#(0#%0"()"8&#(0#<&#&,)*)<,&#+0/#
G)"$"%)$,#H)-=##K/$-8$(&#;(8-&"(;#$/&#&@'&%(&-#(0#:$>&#$#%818,$()>&#*/$-&#'0)"(#$>&/$*&#DKJHE#0+#
k=\=#
Please$note,$these$Satisfactory$Academic$Progress$requirements$are$independent$of$the$GPA$
requirements$established$by$the$Office$of$Academic$Affairs.$$For$details$on$the$College’s$
policies$regarding$academic$standing$view$the$online$college$catalog$here.$$#
$$
- 13 -
$
#
$
Quantitative$Measure$
H(#(:&#()1&#0+#(:&#IHJ#/&>)&.6#;(8-&"(;F#$%$-&1)%#/&%0/-;#18;(#;:0.#(:&7#$/&#%01',&()"*#$#
1)")181#0+#a^l#0+#%/&-)(;#$((&1'(&-#(0.$/-#*/$-8$()0"#/&A8)/&1&"(;=##U:);#;($"-$/-#);#(:&#;$1&#
+0/#<0(:#*/$-8$(&#$"-#8"-&/*/$-8$(&#;(8-&"(;=#
Procedures$for$Appealing$
I(8-&"(;#"0(#1&&()"*#(:&#1)")181#IHJ#;($"-$/-;#$/&#)"&,)*)<,&#+0/#G&-&/$,6#I($(&6#$"-#)";()(8()0"$,#
+)"$"%)$,#$)-#$"-#.),,#/&%&)>&#"0()%&#+/01#(:&#G)"$"%)$,#H)-#?++)%&#>)$#&1$),#$"-M0/#,&((&/=#I(8-&"(;#
1$7#/&A8&;(#/&)";($(&1&"(#0+#(:&)/#+)"$"%)$,#$)-#&,)*)<),)(7#+0/#(:&#+0,,0.)"*#;&1&;(&/#0"#'/0<$()0"#
<7#;8<1)(()"*#$"#$''&$,#(0#(:&#3011)((&&#0"#H%$-&1)%#J/0*/&;;#)"#(:&#G)"$"%)$,#H)-#?++)%&#'/)0/#(0#
(:&#-&$-,)"&#%0118")%$(&-#)"#(:&#;(8-&"(;F#"0()+)%$()0"#0+#)"&,)*)<),)(7=#
H''&$,#/&A8&;(;#18;(#<&#;8<1)((&-#)"#./)()"*#$"-#18;(#)"%,8-&L#
O= H#%01',&(&-#IHJ#H''&$,#+0/#2&)";($(&1&"(#0+#G)"$"%)$,#H)-#Q,)*)<),)(7#G0/1=#
`= H#./)((&"#$''&$,#-&($),)"*#
$= S:$(#.&/&#(:&#-0%81&"($<,&#1)()*$()"*#%)/%81;($"%&;#(:$(#%$8;&-#708#(0#+$),#(0#
1$9&#;$();+$%(0/7#$%$-&1)%#'/0*/&;;m##ZZJ/00+#0+#1)()*$()"*#%)/%81;($"%&;#18;(#<&#
'/0>)-&-#
<= S:$(#%:$"*&;#:$>&#D0/#.),,#0%%8/E#(0#&";8/&#708#.),,#1$9&#'/0*/&;;#-8/)"*#(:&#"&@(#
$%$-&1)%#7&$/=#
%= B08/#/&$,);()%#$%$-&1)%#',$"#+0/#)1'/0>&1&"(=##I(8-&"(;#;:08,-#1&&(#.)(:#$"#
$%$-&1)%#$->);0/#(0#-&>&,0'#$#$%$-&1)%#',$"#0+#$%()0"#$"-#/&>)&.#(:&)/#$%$-&1)%#
:);(0/7#'/)0/#(0#;8<1)(()"*#$"#$''&$,=##U:&#$%$-&1)%#',$"#;:08,-#$(#,&$;(#<&#(0#&$/"#
$,,#$((&1'(&-#%/&-)(;#/&*);(&/&-#+0/#$(#(:&#&"-#0+#(:&#+0,,0.)"*#;&1&;(&/;#$--M-/0'#
'&/)0-#.)(:#$(#,&$;(#$#`=\#KJH#+0/#8"-&/*/$-8$(&#;(8-&"(;#Dk=\#+0/#*/$-8$(&#
;(8-&"(;E=#
!+#$''/0>&-6#$#;(8-&"(#1$7#<&#'&/1)((&-#(0#/&%&)>&#+)"$"%)$,#$)-#0"#'/0<$()0"#+0/#?4Q#;&1&;(&/=#
H+(&/#(:$(#;&1&;(&/6#(:&#;(8-&"(#.),,#<&#&@'&%(&-#(0#1&&(#(:&#IHJ#;($"-$/-;#-&($),&-#$<0>&#?2#$(#
,&$;(#<&#+0,,0.)"*#(:&)/#$%$-&1)%#',$"#$;#08(,)"&-#)"#(:&)/#$''&$,#)"#0/-&/#(0#/&%&)>&#$)-#0"#
%0"()"8&-#'/0<$()0"#+0/#(:&#+0,,0.)"*#(&/1=##H+(&/#`#;&1&;(&/;#0"#'/0<$()0"#;(8-&"(;#18;(#<&#
1&&()"*#(:&#IHJ#;($"-$/-;#,);(&-#$<0>&=#
!+6#$+(&/#<&)"*#0"#'/0<$()0"6#$#;(8-&"(#);#;(),,#"0(#1$9)"*#IHJ#H4T#!I#4?U#1&&()"*#(:&)/#$%$-&1)%#
',$"6#(:&7#1$7#;8<1)(#$#;8<;&A8&"(#$''&$,=##P0.&>&/6#$--)()0"$,#$''&$,;#%$""0(#<&#*/$"(&-#<$;&-#
0"#(:&#;$1&#%)/%81;($"%&;#08(,)"&-#)"#(:&#0/)*)"$,#$''&$,=#
- 14 -
X. 8C5;#)9B)B!:4:7!46)4!<$
G)"$"%)$,#$)-#);#+8"-)"*#+0/#708/#%0,,&*&#&-8%$()0"#(:$(#%01&;#+/01#;08/%&;#08(;)-&#0+#708/#+$1),7=#
U:&#?++)%&#0+#G)"$"%)$,#H)-#%00/-)"$(&;#;&>&/$,#-)++&/&"(#(7'&;#0+#+)"$"%)$,#$)-#+)/#;(8-&"(;#$((&"-)"*#
2$1$'0#30,,&*&6#)"%,8-)"*#*/$"(;6#,0$";6#$"-#.0/9#;(8-7=##K)+(#$)-#$"-#;&,+C:&,'#$)-#$/&#(.0#
%$(&*0/)&;#0+#+)"$"%)$,#$)-=##K)+(#$)-#%01&;#)"#(:&#+0/1#0+#*/$"(;#$"-#;%:0,$/;:)';#$"-#-0&;#"0(#:$>&#
(0#<&#/&'$)-=#I&,+C:&,'#$)-#%01&;#)"#(:&#+0/1#0+#;(8-&"(#0/#$,(&/"$()>&#,0$";#$"-#.0/9C;(8-7=##Y0$";#
18;(#<&#/&'$)-=##G)"$"%)$,#$)-#$(#2$1$'0#30,,&*&#);#$.$/-&-#<$;&-#0"#+)"$"%)$,#"&&-=##B08#1$7#
/&%&)>&#$#%01<)"$()0"#0+#*/$"(;6#;%:0,$/;:)';6#,0$";#$"-#.0/9#;(8-7#)"#708/#+)"$"%)$,#$)-#'$%9$*&=##
H--)()0"$,,76#%&/($)"#+)"$"%)$,#$)-#'/0*/$1;#$/&#$>$),$<,&#(0#;(8-&"(;#'$/()%)'$()"*#)"#$#;(8-7#$</0$-#
'/0*/$1#(:$(#:$;#<&&"#$''/0>&-#+0/#%/&-)(#<7#2$1$'0#30,,&*&=##!"#;01&#%$;&;6#708#1$7#$,;0#/&%&)>&#
$;;);($"%&#+/01#%&/($)"#;(8-&"(#$)-#'/0*/$1;#.:),&#;(8-7)"*#$(#$"#)";()(8()0"#0+#:)*:&/#&-8%$()0"#
0(:&/#(:$"#2$1$'0#)+#$#%0";0/()81#0/#%0"(/$%(8$,#$*/&&1&"(#:$;#<&&"#$''/0>&-=###
40(&L##U:&#+0,,0.)"*#)"+0/1$()0"#0"#(:&#;(8-&"(#$)-#'/0*/$1;#);#%8//&"(#$;#0+#(:&#'8<,)%$()0"#-$(&#
0+#(:);#*8)-&=##2345#/&;&/>&;#(:&#/)*:(#(0#%:$"*&#0/#%$"%&,#$.$/-;#<&%$8;&#0+#/&*8,$(0/7#%:$"*&;6#
/&>);&-#$,,0%$()0";6#0/#$--)()0"$,#)"+0/1$()0"#%0"%&/")"*#$#;(8-&"(F;#+)"$"%)$,#$)-#&,)*)<),)(7=##
H.$/-)"*#);#-&'&"-&"(#8'0"#'/0*/$1#/&A8)/&1&"(;#$"-#(:&#$>$),$<),)(7#0+#+8"-;=##
Federal$Title$IV$Programs:$
You$must$have$a$valid$FAFSA$on$file,$be$enrolled$at$least$half-time$in$a$degree$granting$
program$and$maintain$satisfactory$academic$progress$to$receive$Federal$Financial$Aid.$
Federal$Pell$Grant$Program$
Q,)*)<),)(7#+0/#$#J&,,#K/$"(#);#<$;&-#0"#(:&#Q@'&%(&-#G$1),7#30"(/)<8()0"#DQG3E#(:$(#);#%$,%8,$(&-#
+/01#(:&#)"+0/1$()0"#'/0>)-&-#0"#(:&#GHGIH=##U:&#3&"(/$,#J/0%&;;0/#;&"-;#(:&#;(8-&"(#$#I(8-&"(#
H)-#2&'0/(#)"#/&;'0";&#(0#(:&#;8<1);;)0"#0+#$#GHGIH=##U:&#Q@'&%(&-#G$1),7#30"(/)<8()0"#);#,);(&-#0"#
(:&#I(8-&"(#H)-#2&'0/(#)+#(:&#GHGIH#.$;#'/0'&/,7#%01',&(&-=##H#G&-&/$,#J&,,#K/$"(#-0&;#"0(#:$>&#(0#
<&#/&'$)-=##J&,,#K/$"(;#$/&#,)1)(&-#(0#;(8-&"(;#'8/;)"*#(:&)/#+)/;(#8"-&/*/$-8$(&#-&*/&&#$"-#$/&#
'/0/$(&-#)+#$#;(8-&"(#);#&"/0,,&-#+0/#+&.&/#(:$"#O`#%/&-)(;#;&1&;(&/=##H#;(8-&"(#1$7#"0(#/&%&)>&#$#
J&,,#K/$"(#+/01#10/&#(:$"#0"&#%0,,&*&#+0/#(:&#;$1&#'&/)0-#0+#()1&=#G8"-)"*#+0/#(:&#J&,,#*/$"(#
'/0*/$1#);#;8<R&%(#(0#%0"*/&;;)0"$,#$''/0'/)$()0";=##U:&/&+0/&6#(:&#/$"*&#0+#;'&%)+)%#$.$/-#
$108"(;#1$7#%:$"*&#&$%:#$%$-&1)%#7&$/=##
Federal$Supplemental$Educational$Grant$(FSEOG)$$
!";()(8()0";#$/&#*)>&"#$#,)1)(&-#$108"(#0+#IQ?K#+8"-;#&$%:#$%)-)%#7&$/#<7#(:&#X=I=#T&'$/(1&"(#0+#
Q-8%$()0"=##2$1$'0#30,,&*&#$.$/-;#8"-&/*/$-8$(&#;(8-&"(;#IQ?K#<$;&-#8'0"#&@%&'()0"$,#+)"$"%)$,#
"&&-#$;#$#-&10";(/$(&-#(:/08*:#(:&#/&;8,(;#0+#+),)"*#(:&#GHGIH=##J/)0/)(7#);#*)>&"#(0#;(8-&"(;#.:0#
/&%&)>&#G&-&/$,#J&,,#K/$"(;6#:$>&#\#QG3#$"-#$/&#0"C%$1'8;#/&;)-&"(;=###
Federal$Work$Study$Program$(FWS)$
G&-&/$,#S0/9#I(8-7#'/0>)-&;#R0<;#+0/#8"-&/*/$-8$(&#$"-#*/$-8$(&#;(8-&"(;#.)(:#+)"$"%)$,#"&&-6#
$,,0.)"*#(:&1#(0#&$/"#10"&7#(0#:&,'#'$7#&-8%$()0"#&@'&";&;=##I(8-&"(;#18;(#.0/9#0"#%$1'8;#(0#
/&%&)>&#(:&;&#+8"-;=##*
Federal$Direct$Loan$Program$
- 15 -
G&-&/$,#T)/&%(#Y0$";#$/&#(:&#T&'$/(1&"(F;#1$R0/#+0/1#0+#;&,+C:&,'#$)-#$"-#$/&#$>$),$<,&#(:/08*:#(:&#
G&-&/$,#T)/&%(#Y0$"#J/0*/$1=##
Federal$Direct$PLUS$Loan$Program$
G&-&/$,#JYXI#,0$";#$/&#$>$),$<,&#(0#'$/&"(;#0+#-&'&"-&"(#8"-&/*/$-8$(&#;(8-&"(;=##U:&#'$/&"(#.:0#
);#<0//0.)"*#(:/08*:#(:);#'/0*/$1#18;(#<&#$#X=I=#3)()V&"#0/#$"#&,)*)<,&#"0"C%)()V&"#$"-#18;(#"0(#
:$>&#$->&/;&#%/&-)(#:);(0/7=##U:&#)"(&/&;(#/$(&#);#+)@&-#$(#^=_l#$"-#<0//0.&/;#$/&#/&;'0";)<,&#+0/#$,,#
)"(&/&;(#0"#(:&#,0$"=##J,&$;&#<&#$->);&-#(:$(#(:&/&#);#$#]l#0/)*)"$()0"#+&&#.:)%:#1$7#)"%,8-&#$"#8'C
+/0"(#/&<$(&#0"#(:&;&#,0$";=#2&'$71&"(#<&*)";#a\#-$7;#$+(&/#(:&#;&%0"-#-);<8/;&1&"(#0"#(:);#,0$"=##
# Note:##G0/#J$/&"(#JYXI#,0$";6#+0/<&$/$"%&#$"-#-&+&/1&"(;#$/&#$>$),$<,&#)+#708#A8$,)+7d#
%0"($%(#TY#I&/>)%)"*#$(#OC[\\C[][C\_^_#+0/#10/&#)"+0/1$()0"=##
Annual&Loan&Limits&–&Direct&Loans&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
Undergraduate&&
Dependent&Students&
Annual&Loan&Limit-&
Subsidized&
Annual&Loan&Limit&–&
Unsubsidized&
Combined&Amount&
First&Year&(0-31&credits)&
3,500&
2,000&
5,500&
Second&Year&(32-63&
credits)&
4,500&
2,000&
6,500&
Third&Year&and&Beyond&
(64+&credits)&
5,500&
2,000&
7,500&
Annual&Loan&Limits&–&Direct&Loans&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
Undergraduate&&
Independent&Stud e nts &
(and&dependent&stud ents&
whose&parent(s)&were&
denied&PLUS&loan&
Annual&Loan&Limit&-&&&&&&&&&&&&&&&&&&&&&&
Subsidized&
Annual&Loan&Limit&–&
Unsubsidized&
Combined&Amount&
First&Year&(0-31&credits)&
3,500&
6,000&
9,500&
Second&Year&(32-63&
credits)&
4,500&
6,000&
10,500&
Third&Year&and&Beyond&
(64+&credits)&
5,500&
7,000&
12,500&
Aggregate&Loan&Limits&–&Direct&Loans&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
Undergraduate&
&
Limit&for&Subsidized&
Loans&&
Limit&for&Unsubsidized&
Loans&&
Combined&Amount&
Dependent&Students&
23,000&
8,000&
31,000&
Independent&Stud e nts &
(and&dependent&stud en ts&
whose&parent(s)&were&
denied&PLUS&loan&
&
23,000&
&
34,500&
&
57,500&
Annual&Loan&Limits&–&Direct&Loans&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
Graduate&and&Professional&Students&
Graduate&and&
Professional&Students&&
--&
20,500&
20,500&
Aggregate&Loan&Limits&–&Direct&Loans&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
Graduate&and&Professional&Students&&
&
Limit&for&Subsidized&
Loans&
Limit&for&Unsubsidized&
Loans&
Combined&Amount&
Graduate&and&
Professional&Students&
65,500&(including&
undergraduate&loans)&
73,000&
138,500&
#
#
#
- 16 -
Federal$Disbursement$Policy:$
H#;%:00,#18;(#"0()+7#(:&#;(8-&"(#0/#'$/&"(#)"#./)()"*#D'$'&/#0/#&,&%(/0")%E#.:&"#G&-&/$,#T)/&%(6#
JYXI#0/#K/$-JYXI#,0$"#+8"-;#$/&#<&)"*#%/&-)(&-#(0#$#;(8-&"(F;#$%%08"(=##U:);#"0()+)%$()0"#18;(#<&#
;&"(#"0#&$/,)&/#(:$"#k\#-$7;#<&+0/&#$"-#"0#,$(&/#(:$"#k\#-$7;#$+(&/#%/&-)()"*#(:&#;(8-&"(F;#$%%08"(=##
U:&#"0()+)%$()0"#18;(#)"%,8-&#(:&L#
• T$(&#$"-#$108"(#0+#-);<8/;&1&"(##
• I(8-&"(F;#D0/#'$/&"(F;E#/)*:(#(0#%$"%&,#$,,#0/#'$/(#0+#(:&#,0$"#0/#-);<8/;&1&"(#
• J/0%&-8/&;#$"-#(:&#()1&#<7#.:)%:#(:&#;(8-&"(#D0/#'$/&"(E#18;(#"0()+7#(:&#;%:00,#(:$(#
:&M;:&#.);:&;#(0#%$"%&,#(:&#,0$"#0/#-);<8/;&1&"(=#
X"-&/#(:&#X=I=#T&'$/(1&"(#0+#Q-8%$()0"#/&*8,$()0";6#708#:$>&#(:&#/)*:(#(0#%$"%&,#$,,#0/#'$/(#0+#(:&#
,0$"D;E#.)(:)"#O]#-$7;#0+#(:&#-$(&#0+#(:);#"0()%&=##!+#708#.);:#(0#%$"%&,#$,,#0/#'$/(#0+#(:&#,0$"D;E#prior$
(0#$#/&+8"-#<&)"*#*&"&/$(&-#D)+#&,)*)<,&E6#',&$;&#-0#;0#>)$#708/#2$1$'0#I&,+CI&/>)%&#$%%08"(#<7#
;&,&%()"*#3:$"*&MT&%,)"&#H.$/-=##!+#708#-&%)-&#(0#%$"%&,#$,,#0/#'$/(#0+#(:&#,0$"D;E#after#708#/&%&)>&-#
$#/&+8"-#%:&%9#0/#-)/&%(#-&'0;)(#D)+#&,)*)<,&E6#708#18;(#%0"($%(#(:&#?++)%&#0+#I(8-&"(#H%%08"(;#+0/#
10/&#)"+0/1$()0"=###
State$Programs:$
P)*:&/#Q-8%$()0"#I(8-&"(#H;;);($"%&#H8(:0/)(7#DPQIHHE#);#(:&#I($(&#H*&"%7#(:$(#/8";#(:&#U8)()0"#
H)-#K/$"(;#'/0*/$1#DUHKE6#Q-8%$()0"#?''0/(8")(7#G8"-#K/$"(;#DQ?GE6#$"-#>$/)08;#;%:0,$/;:)'#
'/0*/$1;=##U:&7#$,;0#:$>&#0",)"&#;&/>)%&;6#(00,;#$"-#0(:&/#/&;08/%&;#$(#...=:&;$$=0/*##
You$must$have$a$valid$FAFSA$on$file,$be$enrolled$full-time$at$a$state$institution$of$higher$
learning$pursuing$your$first$undergraduate$degree,$maintain$satisfactory$academic$
progress,$be$a$NJ$resident$of$at$least$twelve$(12)$consecutive$months$prior$to$the$first$
disbursement$and$must$demonstrate$financial$need$to$receive$State$financial$assistance.$$
!"#$--)()0"6#$,,#;($(&#*/$"(#/&%)')&"(;#18;(#1&&(#(:&#4&.#5&/;&7#I($(&#-&$-,)"&;#+0/#(:&#;8<1);;)0"#
0+#(:&#$--)()0"$,#)"+0/1$()0"#/&A8&;(;6#;8%:#$;L#
• H'',)%$"(#!"+0/1$()0"#2&A8&;(;#DH!2;E#
• W&/)+)%$()0"#-0%81&"(;##
• 30,,&*&#%:0)%&#%:$"*&;#
• 30//&%()0";#(0#)"&,)*)<,&#%0"-)()0";##
• I($(&#T&$-,)"&;#+0/#I8<1)(()"*#H--)()0"$,#!"+0/1$()0"L#
§ 40>&1<&/#O#h#G$,,##
§ b$/%:#O#h#I'/)"*##
The$Tuition$Aid$Grant$(TAG)$
U:&#'$/&"(D;E#0+#$#-&'&"-&"(#;(8-&"(#18;(#$,;0#<&#4&.#5&/;&7#2&;)-&"(;#+0/#(:&#'/&;%/)<&-#'&/)0-#
0+#()1&=##UHK#$.$/-;#$/&#/&"&.$<,&#$""8$,,7#$"-#/$"*&#+/01#n`g\\#(0#n[6^\\=##I(8-&"(;#$/&#
"0()+)&-#0+#(:&)/#$.$/-#<7#45#PQIHH=##B08#1$7#/&%&)>&#(:&#$.$/-#+0/#")"&#D_E#;&1&;(&/;#)+#+)"$"%)$,#
"&&-#);#-&10";(/$(&-=##B08#18;(#/&$'',7#+0/#+8"-;#&$%:#7&$/#<7#;8<1)(()"*#$#GHGIH#<7#H'/),#Og#+0/#
/&"&.$,#;(8-&"(;#$"-#I&'(&1<&/#Og#+0/#"&.#;(8-&"(;d#G&</8$/7#Og#+0/#;'/)"*#0",7#$'',)%$"(;=##
#
Educational$Opportunity$Fund$Grants$(EOF)$
- 17 -
Q;($<,);:&-#<7#(:&#4&.#5&/;&7#Y&*);,$(8/&#)"#O_a[6#Q-8%$()0"$,#?''0/(8")(7#G8"-#K/$"(;#DQ?GE#$/&#
$.$/-&-#(0#8"-&/*/$-8$(&;#+/01#&-8%$()0"$,,7#-);$->$"($*&-#<$%9*/08"-;#.:0#$,;0#-&10";(/$(&#
+)"$"%)$,#"&&-=##H'',)%$"(;#18;(#$'',7#(0#(:&#'/0*/$1#.:&"#(:&7#$/&#$'',7)"*#(0#(:&#30,,&*&#(0#<&#
$-1)((&-#)"(0#(:&#'/0*/$1=##X"-&/*/$-8$(&#;(8-&"(;#)"#(:);#'/0*/$1#18;(#<&#45#UHK#&,)*)<,&#(0#
/&%&)>&#Q?G=##U:&#$'',)%$()0"#-&$-,)"&#);#?%(0<&/#O#+0/#(:&#$%$-&1)%#7&$/#$"-#b$/%:#O#+0/#I'/)"*#
0",7=##K/$"(;#/$"*&#+/01#nO6]\\#(0#nO6a\\#'&/#7&$/=##
K/$-8$(&#;(8-&"(;#1$7#$,;0#<&#&,)*)<,&#)+#(:&7#.&/&#Q?G#'$/()%)'$"(;#$;#8"-&/*/$-8$(&;6#',&$;&#
%0"($%(#(:&#Q?G#0++)%&#+0/#10/&#)"+0/1$()0"#/&*$/-)"*#K/$-8$(&#Q?G=##
NJ$STARS$II$
U:&#45#IUH2I#!!#'/0*/$1#);#$#%0"()"8$()0"#0+#(:&#45#IUH2I#'/0*/$1#(:$(#'/0>)-&;#;8%%&;;+8,#45#
IUH2I#;(8-&"(;#$(#4&.#5&/;&7#%08"(7#%0,,&*&;#.)(:#+8"-)"*#(0#(/$";+&/#(0#$#4&.#5&/;&7#G08/C7&$/#
'8<,)%#%0,,&*&#0/#8")>&/;)(7#(0#&$/"#$#<$%:&,0/F;#-&*/&&=##U:&#$108"(#0+#(:&#45#IUH2I#!!#$.$/-#+0/#
(:&#+)/;(#(.0#;&1&;(&/;#0+#(:&#;(8-&"(#$(#4&.#5&/;&7#+08/C7&$/#'8<,)%#%0,,&*&#0/#8")>&/;)(7#.),,#<&#
<$;&-#0"#(:&#;(8-&"(F;#%818,$()>&#*/$-&#'0)"(#$>&/$*&#DKJHE#8'0"#*/$-8$()0"#+/01#$#%0118")(7#
%0,,&*&=##G8"-)"*#+0/#(:);#'/0*/$1#);#%0"()"*&"(#8'0"#(:&#$>$),$<),)(7#0+#+8"-;#+/01#4&.#5&/;&7#
P)*:&/#Q-8%$()0"#I(8-&"(;#H;;);($"%&#H8(:0/)(7#D45#PQIHHE=#
$ NJ$STARS$II$Requirements:$
• b8;(#1&&(#$,,#$-1);;)0"#0/#$'',)%$()0"#/&A8)/&1&"(;#&;($<,);:&-#<7#(:&#4&.#5&/;&7#
+08/C7&$/#'8<,)%#)";()(8()0"=##
• b8;(#1&&(#$,,#)";()(8()0"$,#-&$-,)"&;#+0/#$-1);;)0"#$"-#+)"$"%)$,#$)-=##
• ?"%&#$-1)((&-6#;(8-&"(;#18;(#;8<1)(#(0#(:&#4&.#5&/;&7#+08/C7&$/#'8<,)%#)";()(8()0"#
$#+)"$,#%08"(7#%0,,&*&#(/$";%/)'(#(:$(#/&+,&%(;#$#%818,$()>&#KJH#0+#k=`g#0/#:)*:&/##
• b8;(#+),&#(:&#G/&&#H'',)%$()0"#+0/#G&-&/$,#I(8-&"(#H)-#DGHGIHE#$""8$,,7#.)(:)"#
&;($<,);:&-#I($(&#-&$-,)"&;L#D...=+$+;$=&-=*0>#E#
G0/#-&($),&-#)"+0/1$()0"#/&*$/-)"*#(:);#'/0*/$1#',&$;&#*0#(0L#
:((';LMM...=:&;$$=0/*MT0%81&"(;M45IUH2I!!o'/0*/$1='-+#
Other$Types$of$Financial$Assistance:$
Alternative$Loans$
I(8-&"(;#:$>&#(:&#0'()0"#(0#;&&9#$"#H,(&/"$()>&#Y0$"#(0#;8'',&1&"(#(:&)/#;(8-&"(#$)-=##U:&#;(8-&"(#
$'',)&;#-)/&%(,7#(0#(:&#,&"-&/=##?"%&#(:&#$'',)%$()0"#);#$''/0>&-6#(:&#,&"-&/#/&A8&;(#%&/()+)%$()0"#0+#
&,)*)<),)(7#+/01#(:&#;%:00,=##U:);#'/0%&;;#($9&;#;&>&/$,#.&&9;=##H'',)%$"(#0/#%0C;)*"&/#18;(#<&#%/&-)(C
.0/(:7=##G0/#$#,);()"*#0+#$,(&/"$()>&#'/)>$(&#,0$";#',&$;&#*0#(0#:(('LMM&,1;&,&%(=%01MpM##
Student$Employment$Programs$
?"&#.$7#0+#$;;);()"*#.)(:#(:&#%0;(#0+#:)*:&/#&-8%$()0"#);#(:/08*:#;(8-&"(#&1',071&"(=#U:);#
&1',071&"(#(:/08*:#$#R0<#0"#%$1'8;=##I(8-&"(;#%$"#.0/9#8'#(0#O`#:08/;#$#.&&9#-8/)"*#(:&#
$%$-&1)%#7&$/=##I(8-&"(;#-&(&/1)"&#(:&)/#.0/9#;%:&-8,&#<$;&-#0"#(:&)/#$%$-&1)%#%011)(1&"(;#$"-#
$>$),$<),)(7#0+#+8"-;=##H#>$/)&(7#0+#R0<;#$/&#$>$),$<,&6#)"%,8-)"*#'0;)()0";#)"#$%$-&1)%#0++)%&;6#
$-1)");(/$()>&#0++)%&;6#(:&#N/$-,&7#3&"(&/6#&(%=##I(8-&"(;#;:08,-#%0"($%(#(:&#3$:),,#3&"(&/#0/#(:&#
0++)%&;#)"#.:)%:#(:&7#.);:#(0#.0/9#(0#;&&#)+#(:&/&#$/&#0'&")"*;=##
• Federal$Work$Study$$
- 18 -
U:);#'/0*/$1#);#+8"-&-#<7#<0(:#(:&#+&-&/$,#*0>&/"1&"(#$"-#2$1$'0#30,,&*&#$"-#'/0>)-&;#
R0<;#0"#%$1'8;#+0/#;(8-&"(;#.:0#-&10";(/$(&#+)"$"%)$,#"&&-=#4&&-#);#-&(&/1)"&-#+/01#(:&#
)"+0/1$()0"#/&'0/(&-#0"#(:&#GHGIH=##
U:&#$->$"($*&;#0+#A8$,)+7)"*#+0/#G&-&/$,#S0/9#I(8-7#);#.0/9C;(8-7#&$/")"*;#$/&#-&-8%(&-#
+/01#)"%01&#.:&"#$'',7)"*#+0/#+)"$"%)$,#$)-#+0/#(:&#"&@(#$%$-&1)%#7&$/=##30";&A 8&"(,76#708/#
&,)*)<),)(7#"&@(#7&$/#.),,#"0(#<&#:$/1&-=##!+#708#$/&#8"$<,&#(0#+)"-#&1',071&"(#<7#?%(0<&/6#
708/#.0/9#;(8-7#$.$/-#.),,#<&#%$"%&,,&-=#
Q1',071&"(#Y)1)(;L##B08/#$.$/-#);#'0;(&-#0"#708/#+)"$"%)$,#$)-#;&%()0"#0+#2$1$'0#I&,+C
I&/>)%&=#U:$(#$.$/-#;'&%)+)&;#(:&#(0($,#$108"(#(:$(#708#%$"#&$/"#+/01#(:&#G&-&/$,#S0/9C
I(8-7#'/0*/$1=##B08/#&1',07&/#.),,#<&#"0()+)&-#0+#(:&#,)1)(#$"-#%0";&A8&"(,76#/&A8)/&;#(:$(#
708#10")(0/#708/#&$/")"*;#;0#(:$(#708#-0#"0(#&@%&&-#(:);#$108"(=##?"%&#708/#G&-&/$,#S0/9C
I(8-7#,)1)(#:$;#<&&"#/&$%:&-6#708/#-&'$/(1&"(M&1',07&/#;:08,-#"0(#$,,0.#708#(0#%0"()"8&#
.0/9)"*=##X"-&/#%&/($)"#%)/%81;($"%&;6#708/#.0/9C;(8-7#,)1)(#1$7#<&#)"%/&$;&-#<7#
%0"($%()"*#08/#0++)%&#+0/#$#'0;;)<,&#$.$/-#$-R8;(1&"(#)+#+8"-;#$/&#$>$),$<,&=##
• Student$Assistant$Program$
U:);#'/0*/$1#);#;)1),$/#(0#(:&#G&-&/$,#S0/9#I(8-7#'/0*/$1#&@%&'(#(:$(#)(#);#+8"-&-#
%01',&(&,7#<7#2$1$'0#30,,&*&=##I01&#;(8-&"(;#.:0#-0#"0(#A8$,)+7#+0/#.0/9#;(8-7#1$7#.$"(#
(0#,009#+0/#$#R0<#(:/08*:#(:);#'/0*/$1=#
Scholarships$
2$1$'0#30,,&*&#;%:0,$/;:)';#$/&#1&/)(C<$;&-#0''0/(8")()&;6#1&$")"*#(:&7#$/&#0++&/&-#(0#;(8-&"(;#
<$;&-#0"#(:&)/#$%$-&1)%#$"-#'&/;0"$,#$%:)&>&1&"(;6#"0(#+)"$"%)$,#"&&-=#U:&/&#$/&#(.0#b&/)(#<$;&-#
I%:0,$/;:)'#$.$/-;#$#J/&;)-&"()$,#;%:0,$/;:)'#$"-#$#T&$"F;#;%:0,$/;:)'=#U:&;&#$.$/-;#$/&#0++&/&-#
+0/#]#7&$/;#0/#[#;&1&;(&/;#'/0>)-&-#708#1$)"($)"#(:&#/& A8)/&-#KJH=#
2$1$'0#30,,&*&#$8(01$()%$,,7#%0";)-&/;#$,,#+)/;(#7&$/#D+/&;:1&"E#$'',)%$"(;#+0/#$#1&/)(C<$;&-#
;%:0,$/;:)'=##G)/;(#7&$/#$'',)%$"(;#$/&#%0";)-&/&-#+0/#1&/)(C<$;&-#;%:0,$/;:)';#<$;&-#0"#$%$-&1)%#
'&/+0/1$"%&#$"-#(:&)/#'0(&"()$,#(0#<&%01&#$%()>&#1&1<&/;#0+#08/#%0118")(7=#
U7')%$,,7#;(8-&"(;#.)(:)"#(:&#(0'#O\l#0+#(:&)/#*/$-8$()"*#%,$;;#.)(:#$(#,&$;(#$#O`g\#IHU#D0,-#IHU#
3/)()%$,#2&$-)"*#q#b$(:#0",7E#0/#`^#H3U#;%0/&#$/&#%0";)-&/&-#+0/#0"&#0+#08/#1&/)(C<$;&-#
;%:0,$/;:)';=##?8/#1&/)(#;%:0,$/;:)';#$/&#"0.#(&;(#0'()0"$,#;0#708#$/&#"0(#/&A8)/&-#(0#'/0>)-&#708/#
IHU#0/#H3U#;%0/&;#)"#0/-&/#(0#<&#%0";)-&/#&,)*)<,&=##H,,#$;'&%(;#0+#$#;(8-&"(F;#$'',)%$()0"#$/&#
%0";)-&/&-#)"%,8-)"*#&@(/$C%8//)%8,$/#$%()>)()&;6#<8(#,)1)(&-#+8"-)"*#$"-#$#,$/*&#"81<&/#0+#
$'',)%$()0";#1$9&;#08/#;%:0,$/;:)'#$.$/-;#:)*:,7#%01'&()()>&=##G0/#10/&#)"+0/1$()0"#0"#1&/)(#
;%:0,$/;:)';6#',&$;&#>);)(#(:&#;%:0,$/;:)'#:01&'$*&=##
Merit$Based$Scholarships$for$Transfer$Students#can&be&viewed&in&the&scholarship&homepage=##
f8$,)+)&-#$'',)%$"(;#18;(#1&&(#(:&#+0,,0.)"*#%/)(&/)$L#
• New$Jersey$Community$College$Graduate$by$the$time$you$enroll$in$Fall$semester.#
• U/$";+&/#$'',)%$"(;#.)(:#$#%818,$()>&#KJH#0+#$#k=g#0/#:)*:&/#.),,#<&#%0";)-&/&-#+0/#$#
;%:0,$/;:)'=#
• I(8-&"(;#18;(#;8<1)(#(:&)/#$'',)%$()0"#$"-#$,,#/&A8)/&-#%/&-&"()$,;#no$later$than$May$1
st
$=#
40#;&'$/$(&#$'',)%$()0"#);#"&%&;;$/7=#
7899%&.#/&,'(*0"."&1"$*3:*;#0.4*<
st
**=&%%*0"."&1"*90&,0&/:*.,'(&$"0#/&,'6#
- 19 -
Q$%:#$'',)%$()0"#.),,#<&#/&>)&.&-#:0,);()%$,,7#$;#(:&7#$/&#/&%&)>&-=##X"+0/(8"$(&,76#-8&#(0#$"#
)"%/&$;&#)"#$'',)%$()0";#$"-#,)1)(&-#+8"-)"*6#(:&#%0,,&*&#1$7#<&#8"$<,&#(0#0++&/#$,,#;(8-&"(;#.)(:#(:&#
$<0>&#%/)(&/)$#$#1&/)(C<$;&-#;%:0,$/;:)'=#
Scholarships$for$Accepted/Current$Students$
G8,,C()1&#$"-#'$/(C()1&#;(8-&"(;6#)"(&/"$()0"$,#;(8-&"(;6#$"-#;(8-&"(;#$,/&$-7#/&%&)>)"*#;%:0,$/;:)'#
$)-#$/&#&,)*)<,&#(0#$'',7#+0/#(:&#$.$/-;#,);(&-#<&,0.=#3$"-)-$(&;#18;(#<&#)"#*00-#$%$-&1)%#;($"-)"*=#
I(8-&"(;#1$7#$'',7#+0/#10/&#(:$"#0"&#$.$/-#$;#,0"*#$;#(:&7#1&&(#$,,#&,)*)<),)(7#/&A8)/&1&"(;=#
H'',)%$()0"#+0/1;#)"%,8-&#10/&#-&($),&-#)"+0/1$()0"#$<08(#&$%:#$.$/-6#)"%,8-)"*#1)")181#KJH#
/&A8)/&1&"(;#$"-#;'&%)+)%#%/)(&/)$=#
U:&;&#$.$/-;#$/&#1$-&#'0;;)<,&#(:$"9;#(0#(:&#*&"&/0;)(7#0+#$,81")6#'$/&"(;6#+$%8,(7#$"-#;($++6#$"-#
+/)&"-;#0+#(:&#30,,&*&=##U:&7#$/&#$-1)");(&/&-#<7#(:&#2$1$'0#30,,&*&#G08"-$()0"=#
#
XI. REFUND$POLICIES$
Notification$of$Loan$Disbursement$Policy:$
G&-&/$,#2&*8,$()0";#/&A8)/&#(:$(#$#;%:00,#18;(#"0()+7#(:&#;(8-&"(#0/#'$/&"(#)"#./)()"*#D'$'&/#0/#
&,&%(/0")%E#.:&"#T)/&%(#0/#JYXI#,0$"#+8"-;#$/&#<&)"*#%/&-)(&-#(0#$#;(8-&"(F;#$%%08"(=##U:);#
"0()+)%$()0"#18;(#<&#;&"(#"0#&$/,)&/#(:$"#k\#-$7;#<&+0/&#$"-#"0#,$(&/#(:$"#k\#-$7;#$+(&/#%/&-)()"*#
(:&#;(8-&"(F;#$%%08"(=##U:&#"0()+)%$()0"#18;(#)"%,8-&#(:&L#
§ T$(&#$"-#$108"(#0+#(:&#-);<8/;&1&"(=##
§ I(8-&"(F;#D0/#'$/&"(F;E#/)*:(#(0#%$"%&,#$,,#0/#'$/(#0+#(:&#,0$"#0/#-);<8/;&1&"(=#
§ J/0%&-8/&;#$"-#(:&#()1&#<7#.:)%:#(:&#;(8-&"(#D0/#'$/&"(E#18;(#"0()+7#(:&#;%:00,#
(:$(#:&M;:&#.);:&;#(0#%$"%&,#(:&#,0$"#0/#-);<8/;&1&"(=##
X"-&/#(:&#X=I=#T&'$/(1&"(#0+#Q-8%$()0"#/&*8,$()0";6#708#0/#708/#'$/&"(#:$>&#(:&#/)*:(#(0#%$"%&,#$,,#
0/#'$/(#0+#(:&#,0$"D;E#.)(:)"#O]#-$7;#0+#(:&#-$(&#0+#(:);#"0()%&=##
!+#708#.);:#(0#%$"%&,#$,,#0/#'$/(#0+#(:&#,0$"D;E#'/)0/#(0#$#/&+8"-#<&)"*#*&"&/$(&-#D)+#&,)*)<,&E6#',&$;&#
-0#;0#>)$#2$1$'0#I&,+CI&/>)%&#<7#;&,&%()"*#3:$"*&MT&%,)"&#H.$/-=##!+#708#-&%)-&#(0#%$"%&,#$,,#0/#
'$/(#0+#(:&#,0$"D;E#$+(&/#708#/&%&)>&-#$#/&+8"-#%:&%9#0/#-)/&%(#-&'0;)(#D)+#&,)*)<,&E6#708#18;(#;&"-#$"#
&1$),#(0#+)"$)-e/$1$'0=&-8#B08#.),,#<&#&@'&%(&-#(0#/&(8/"#0/#/&)1<8/;&#(:&#%0,,&*&#+0/#(:&#$108"(#
0+#708/#/&+8"-#$"-#$"7#0(:&/#%:$/*&;#(:$(#.&/&#'$)-#<7#(:&#,0$"D;E=#
Student$Refund$from$a$Credit$Balance:$
!+#708/#(0($,#$;;);($"%&#+0/#(:&#;&1&;(&/#&@%&&-;#(:&#-)/&%(#%:$/*&;#D(8)()0"6#+&&;6#/001#r#<0$/-E#0"#
708/#$%%08"(6#708#$/&#&"()(,&-#(0#$#/&+8"-#0+#(:&#-)++&/&"%&#+0/#8;&#(0.$/-#0(:&/#&-8%$()0"$,#
&@'&";&;=##U:&#?++)%&#0+#I(8-&"(#H%%08"(;#);;8&;#/&+8"-;#(0#;(8-&"(;#$+(&/#+)"$,#&"/0,,1&"(#;($(8;#
:$;#<&&"#-&(&/1)"&-#$"-#(:&#+8"-;#:$>&#-);<8/;&-=##2&+8"-#%:&%9;#$/&#*&"&/$,,7#;&"(#(0#(:&#
/&%)')&"(#)"#(:&#1$),#0/#-)/&%(#-&'0;)(=##G0/#10/&#)"+0/1$()0"6#%0"($%(#(:&#?++)%&#0+#I(8-&"(;#
H%%08"(;=##
Refusing$a$Credit$Balance$Refund$Check:$
- 20 -
I01&()1&;#$#/&+8"-#%:&%9#/&'/&;&"(;#10/&#,0$"#+8"-;#(:$"#$#;(8-&"(#.$"(;#(0#<0//0.=##U:&#
;(8-&"(#1$7#/&-8%&#0/#%$"%&,#(:&#,0$"#$"7()1&#-8/)"*#(:&#&"/0,,1&"(#'&/)0-=##U:&#;(8-&"(#18;(#
/&A8&;(#)"#./)()"*#(:$(#(:&#?++)%&#0+#G)"$"%)$,#H)-#/&-8%&#(:&#,0$"#$"-#'/0>)-&#(:&#$108"(#(0#<&#
/&($)"&-#+0/#(:&#,0$"#'&/)0-#D`#-);<8/;&1&"(;=E##In$the$event$the$student$ends$up$with$the$
balance$due$to$the$institution,$he$or$she$will$pay$the$Office$of$Student$Accounts$back$the$
portion$of$the$refund$he$or$she$is$refusing.$$
Federal$(Title$IV)$Financial$Aid$Recipients$Refund$Policy:$
30";);(&"(#.)(:#+&-&/$,#/&*8,$()0";6#(:&#$108"(#0+#(:&#+&-&/$,#$)-#(:$(#18;(#<&#/&(8/"&-#(0#(:&#
+&-&/$,#*0>&/"1&"(#);#<$;&-#8'0"#(:&#'&/%&"($*&#0+#()1&#(:&#;(8-&"(#/&1 $)"&-#)"#$((&"-$"%&#
-8/)"*#$"#$%$-&1)%#(&/1=##I(8-&"(;#$/&#&"()(,&-#(0#/&($)"#0",7#(:$(#'0/()0"#0+#+&-&/$,#;(8-&"(#$)-#
(:&7#&$/"&-#<$;&-#0"#(:&#()1&#)"#$((&"-$"%&=##
!+#$#;(8-&"(#);#-);1);;&-6#.)(:-/$.;#0/#;(0';#$((&"-)"*#<&+0/&#(:&#+)/;(#-$7#0+#%,$;;&;6#$,,#G&-&/$,#$)-#
);#/&(8/"&-#(0#(:&#$''/0'/)$(&#'/0*/$1=##I(8-&"(;#.:0#/&1$)"#&"/0,,&-#(:/08*:#$(#,&$;(#a\l#0+#(:&#
'$71&"(#'&/)0-#D;&1&;(&/E#$/&#%0";)-&/&-#(0#:$>&#&$/"&-#O\\l#0+#(:&#$)-#/&%&)>&-#$"-#.),,#"0(#
0.&#$#/&'$71&"(#0+#G&-&/$,#U)(,&#!W#+8"-;=#
S:&"#$#;(8-&"(#:$;#/&%&)>&-#G&-&/$,#U)(,&#!W#+8"-;#)"#&@%&;;#)+#(:&)/#&,)*)<),)(76#)(#);#(:&#;(8-&"(F;#
/&;'0";)<),)(7#(0#/&(8/"#(:&#8"&$/"&-#+8"-;#(0#2$1$'0#30,,&*&#0+#45=##U:&#G&-&/$,#K0>&/"1&"(#
/&A8)/&;#2$1$'0#30,,&*&#(0#/&(8/"#8"&$/"&-#+8"-;#+0/#(:&#;(8-&"(#(0#(:&#$''/0'/)$(&#'/0*/$1;=##
U:&#P)*:&/#Q-8%$()0"#H%(#D][]E#D<ED`ED%E6#:0.&>&/6#/&A8)/&;#(:$(#0",7#g\l6#D0"&C:$,+E6#0+#*/$"(#$)-#
/&%&)>&-#<&#/&(8/"&-=##U:&#30,,&*&#.),,#%$,%8,$(&#(:);#$108"(#$"-#"0()+7#(:&#;(8-&"(=#
I(8-&"(;#.:0#:$>&#&$/"&-#V&/0#%/&-)(;#+0/#$"7#;&1&;(&/#.),,#<&#$;;81&-#(0#:$>&#"0(#%01',&(&-#(:&#
(&/1#$"-#:$>&#G&-&/$,#U)(,&#!W#+8"-;#/&(8/"&-#$;#'&/#(:&#G&-&/$,#2&A8)/&1&"(;6#8",&;;#(:&7#%$"#
'/0>&#(:&7#%01',&(&-#(:&#;&1&;(&/=#
H"7#Y0$"#+8"-;#<0//0.&-#18;(#<&#/&'$)-#$%%0/-)"*#(0#(:&#(&/1;#0+#(:&#J/01);;0/7#40(&=##
XII. WITHDRAWALS$OR$FAILURE$TO$ENROLL$
30"($%(#(:&#?++)%&#0+#(:&#2&*);(/$/#(0#0<($)"#$#S)(:-/$.$,MY&$>&#0+#H<;&"%&#G0/1=#
S)(:-/$.)"*#+/01#3,$;;#h#i?++)%)$,#S)(:-/$.$,j#J/0%&-8/&;L#
?++)%)$,#S)(:-/$.$,;#$/&#;(8-&"(;#.:0#%01',&(&#$#S)(:-/$.$,#G0/1#D)";(/8%()0";#%$"#<&#+08"-#0"#
(:&#2&*);(/$/F;#.&<#'$*&E#$"-#-/0'#$,,#%08/;&;=##Please$check$the$Student$Accounts$and$
Registrar’s$websites$for$the$last$date$for$100%$refund$from$Student$Accounts$Office.$$
- Students$Accounts$100%$refund$period$for$federal$refund$policy$
o Q"()/&#<),,#);#%$"%&,,&-#<7#I(8-&"(#H%%08"(;##
o Q"()/&#+)"$"%)$,#$)-#$.$/-#);#%$"%&,,&-#<7#(:&#?++)%&#0+#G)"$"%)$,#H)-#
o G&-&/$,#/&+8"-#%$,%8,$()0"#/&A8)/&-#(0#-&(&/1)"&#;(8-&"(F;#&,)*)<),)(7#+0/#'0;(C.)(:-/$.$,#
-);<8/;&1&"(#
o !+#;(8-&"(#/&%&)>&-#$#,0$"#)"#$#'/)0/#;&1&;(&/6#,0$"#&@)(#)"(&/>)&.#);#/&A8)/&-=##40#$%()0"#);#
"&%&;;$/7#)+#$#,0$"#-);<8/;&1&"(#.$;#"&>&/#1$-&=##
!
- Student$Accounts$50%$refund$period$&$before$60%$for$federal$refund$policy$
o N),,#/&+,&%(;#g\l#(8)()0"#r#+&&#$-R8;(1&"(##
o 308";&,)"*#);#/&A8)/&-#D/&L#<),,#'$71&"(6#,0$"#&@)(#)"(&/>)&.#r#IHJE=#
o G&-&/$,#/&+8"-#%$,%8,$()0"#/&A8)/&-#
- 21 -
o 2&>);&-#$)-#.),,#<&#/&+,&%(&-#0"#;(8-&"(#$%%08"(#
o ?++)%&#0+#I(8-&"(#H%%08"(;#.),,#'0;(#$#/&>);&-#<),,#0"#$%%08"(=##
!
- After$Student$Accounts$refund$period$but$before$60%$for$federal$refund$policy$
o N),,#-0&;#"0(#%:$"*&#
o 308";&,)"*#);#/&A8)/&-#D/&L#<),,#'$71&"(6#,0$"#&@)(#)"(&/>)&.#r#IHJE##
o G&-&/$,#/&+8"-#%$,%8,$()0"#/&A8)/&-#
o I($(&#$)-#18;(#<&#%$"%&,,&-#)+#"0(#-);<8/;&-#
o 2&>);&-#$)-#.),,#<&#/&+,&%(&-#0"#;(8-&"(#$%%08"(#
o ?++)%&#0+#I(8-&"(#H%%08"(;#.),,#'0;(#$#/&>);&-#<),,#0"#$%%08"(=##
!
- Beyond$60%$federal$refund$policy$
o N),,#-0&;#"0(#%:$"*&##
o 308";&,)"*#);#/&A8)/&-#D/&L#<),,#'$71&"(6#,0$"#&@)(#)"(&/>)&.#r#IHJE##
o G&-&/$,#%$,%8,$()0"#/&A8)/&-#+0/#$)-#(:$(#.$;"F(#-);<8/;&-#
o I(8-&"(#1$7#<&#&,)*)<,&#+0/#O\\l#0+#G&-&/$,#H)-#$;#J0;(CS)(:-/$.$,#T);<8/;&1&"(##
o I($(&#$)-#18;(#<&#%$"%&,,&-#)+#"0(#-);<8/;&-#
o 2&>);&-#$)-#.),,#<&#/&+,&%(&-#0"#;(8-&"(#$%%08"(#
o ?++)%&#0+#I(8-&"(#H%%08"(;#.),,#'0;(#$#/&>);&-#<),,#0"#$%%08"(=##
#U:&#+0/18,$#+0/#%$,%8,$()"*#(:&#'&/%&"($*&#0+#'&/)0-#%01',&(&-L#
J&/%&"($*&#0+#I&1&;(&/#%01',&(&-#s## p0+#%$,&"-$/#-$7;#%01',&(&-#)"#(:&#;&1&;(&/########################################
U0($,#"81<&/#0+#%$,&"-$/#-$7;#)"#(:&#;&1&;(&/#
Unofficial$Withdrawals:$
2$1$'0#30,,&*&#18;(#&;($<,);:#.:&(:&/#+&-&/$,#+)"$"%)$,#$)-#/&%)')&"(;#:$>&#8"0++)%)$,,7#.)(:-/$."#
+/01#(:&#30,,&*&#)+#(:&)/#(&/1#/&%0/-#;:0.;#V&/0#D\E#%/&-)(;#&$/"&-#<&%$8;&#0+#$#*/$-&#0+#G#0/#S=##!+#
(:&#;(8-&"(#:$;#i.$,9&-#$.$7j=#g\l#0+#(:&#;(8-&"(F;#+&-&/$,#;(8-&"(#$)-#);#%0";)-&/&-#8"&$/"&-#
$"-#%08,-#/&;8,(#)"#$#/&-8%()0"#0+#+&-&/$,#$)-#+0/#(:&#$.$/-#'&/)0-=##I:08,-#)(#<&%01&#"&%&;;$/7#(0#
%&$;&#$((&"-$"%&#)"#$,,#%08/;&;6#)(#);#)"#708/#<&;(#)"(&/&;(#$;#$"#$)-#/&%)')&"(#(0#+0,,0.#(:&#0++)%)$,#
.)(:-/$.$,#'/0%&-8/&#(:/08*:#(:&#2&*);(/$/F;#0++)%&=##
XIII. Contact$Information/Hours$
Location,$Hours$and$Contact$Information$$
2$1$'0#30,,&*&#0+#4&.#5&/;&76## # # # # # # # #####
?++)%&#0+#G)"$"%)$,#H)-6##2001#QC`\^6## # # # # # # # ########
g\g#2$1$'0#W$,,&7#2-=6#b$:.$:6#45#\^]k\## # # # # # #########
U&,&':0"&L#`\OCa[]C^`]`#G$@L#`\OCa[]C^\[g#Q1$),L#+)"$)-e/$1$'0=&-8#DJ,&$;&#)"%,8-&#708/#
;(8-&"(#!T#"81<&/#)"#$,,#&1$),;E##
?++)%&#P08/;L#b0"-$7#h#G/)-$7#[Lk\#h#]Lk\## # # # # # ################
Q>&")"*#P08/;L#?'&"#&>&/7#k/-#b0"-$7#8"(),#aL\\#Jbd#&@%&'(#)"#b$7#r#T&%&1<&/## ##############
I811&/#P08/;L#b0"-$7#h#U:8/;-$7#[L\\#h#gLOg#D30,,&*&#%,0;&-#0"#G/)-$7;E### # ###
S)"(&/#I&;;)0"L#b0"-$7#h#G/)-$7#[Lk\#h#]Lk\#### # # # # # ##########
G0/#10/&#)"+0/1$()0"#',&$;&#*0#(0#:((';LMM...=/$1$'0=&-8M+)"$)-M##
#
#
- 22 -
GLOSSARY(
Additional Information Request
The State of New Jersey Higher Education Assistance Authority may request
additional information from students and their family to document the
information provided on the FAFSA.
Award Notification
An award notification from a school states the type of and amount of financial
aid the school is willing to provide the student who accepts admission and
registers to take classes at the school.
Credit Balance
When the total assistance for the semester exceeds the direct charges (tuition,
fees, room & board) on your account.
Dependent student
A student who does not meet any of the criteria for an independent student. An
independent student one of the following: at least 24 years old, married, a
graduate or professional student, a veteran, a member of the armed forces, an
orphan, a ward of the court, or someone with legal dependents other than a
spouse.
Direct Loan
William D. Ford Federal Direct Loan (Direct Loan) Program. Loans made
through this program are referred to as Direct Loans. Eligible students and
parents borrow directly from the U.S. Department of Education at participating
schools. Direct Loans include subsidized and unsubsidized Direct Loans, Direct
PLUS Loans, and Direct Consolidation Loans. You repay these loans directly to
the U.S. Department of Education.
Disbursement
Payment of loan proceeds by the lender. During consolidation, this term refers
to sending payoffs to the loan holders of the underlying loans being
consolidated.
Entrance and Exit Interviews
Students with educational loans are required to complete an Entrance or Exit
Counseling before they receive their first loan disbursement and again before
they graduate or otherwise leave school. During these counseling sessions, the
student reviews the repayment terms and schedule of their loans.
Expected Family Contribution
(EFC)
Your Expected Family Contribution (EFC) is the number that’s used to
determine your eligibility for federal student aid. This number results from the
financial information you provided in your FAFSA application. Your EFC is
reported to you on your Student Aid Report (SAR). See also Need Analysis.
HESAA
Higher Education Student Assistance Authority (HESAA) is the State Agency
that runs the Tuition Aid Grant (TAG), Educational Opportunity Fund Grants
(EOF), and various scholarship programs. They also have online services,
tools and other resources.
Independent Student
An independent student is one of the following: at least 24 years old, married, a
graduate or professional student, a veteran, a member of the armed forces, an
orphan, a ward of the court, or someone with legal dependents other than a
spouse.
Interest
A loan expense charged by the lender and paid by the borrower for the use of
the borrowed money. The expense is calculated as a percentage of the unpaid
principal amount (loan amount) borrowed.
Master Promissory Note
A promissory note is a binding legal document you sign when you get a student
loan. It lists the conditions under which you’re borrowing and the terms under
which you agree to pay back the loan. It will include information on how interest
is calculated and what deferment and cancellation provisions are available to
the borrower. It’s very important to read and save this document because you’ll
need to refer to it later when you begin repaying your loan or at other times
when you need information about provisions of the loan, such as deferments or
forbearances.
- 23 -
Satisfactory Academic
Progress
To be eligible to receive federal student financial aid, you must meet and
maintain your school’s standards of satisfactory academic progress toward a
degree or certificate offered by that institution. Check with your school to find
out its standards.
Scholarship
A form a financial aid given to undergraduate students to help pay for their
education. Most scholarships are restricted to paying all or part of tuition
expenses, though some scholarships cover room and board. Scholarships are a
form of gift aid and do not have to be repaid. Many scholarships are restricted to
students in specific courses of study or with academic, athletic or artistic talent.
Selective Service Registration
In order to be eligible for federal student aid you must register with the Selective
Service if:
o You are male born on or after Jan. 1, 1960 and
o You are at least 18 years old, and
o You are not currently on active duty in the U.S. Armed Forces.
Citizens of the Federated States of Micronesia, the Republic of the
Marshall Islands or the Republic of Palau are exempt from registering
Student Aid Report
Your Student Aid Report (SAR) summarizes the information you submit on your
Free Application for Federal Student Aid (FAFSA) and provides you with your
Expected Family Contribution (EFC).
After you apply for federal student financial aid, you’ll get your FAFSA results in
an e-mail report by the next business day after your FAFSA has been
processed or by mail within 7-10 days. This report is called a student Aid Report
or SAR. Your SAR details all the information you provided on your FAFSA. If
there are no corrections or additional information you must provide, the SAR will
contain your Expected Family Contribution (EFC) , which is the number that’s
used to determine your eligibility for federal student aid. Whether you applied
online or by paper, we will automatically send your data electronically to the
schools you listed on your FAFSA.
Student Eligibility Notice
The notification to students about their state eligibility from NJ HESAA. This
award notification lists the college on attendance and the amount of the TAG
and (if applicable) EOF grant(s)
Subsidized
A loan for which a borrower is not responsible for the interest while in an in-
school, grace, or deferment status. Subsidized loans include Direct Subsidized,
Direct Subsidized Consolidation Loans, Federal Subsidized Stafford Loans, and
Federal Subsidized Consolidation Loans.
Title IV aid
Title IV funds include Subsidized and Unsubsidized Stafford Loans, Federal
PLUS Loans, Federal Pell Grant, and Federal Supplemental Educational
Opportunity Grant (FSEOG), and Federal Work-Study (FWS).
Unsubsidized
A loan for which the borrower is fully responsible for paying the interest
regardless of the loan status. Interest on unsubsidized loans accrues from the
date of disbursement and continues throughout the life of the loan.
Unsubsidized loans include: Direct Unsubsidized, Direct Unsubsidized
Consolidation Loans, Federal Unsubsidized Stafford Loans, Federal PLUS
Loans, and Federal Unsubsidized Consolidation Loans.
Verification
Verification is process where your school confirms the data reported on your
FAFSA. Your school has the authority to contact you for documentation that
supports income and other information that you reported.
#