Types of Aid
TYPES OF FEDERAL GRANTS
The Federal Pell Grant Program provides need- based grants to low income, undergraduate students, who have not earned a bachelor’s or professional degree. Unlike a loan it does not have to be repaid. The award amount is determined by the student’s financial need based on the information submitted on the FAFSA application and the student’s enrollment. Students are eligible for the equivalent of 12 full time semesters of the Pell Grant.
SEOG Federal Supplemental Educational Opportunity Grant
The Federal Supplemental Educational Opportunity Grant 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. It is campus based funding and is awarded on a first come, first- serve basis. Because these funds are limited, it behooves students to apply as early as possible for financial aid. FSEOG is not guaranteed to students on an annual basis.
Iraq and Afghanistan Service Grant
A student, whose parent or guardian was a member of the U.S. Armed Forces and died as a result of service performed in Iraq or Afghanistan after September 11, 2001, may be eligible to receive the Iraq and Afghanistan Service Grant. The grant award is equal to the amount of a maximum Pell Grant for the award year – not to exceed the cost of attendance for that award year.
TAG – the Tuition Aid Grant from the State of New Jersey
Much like the PELL grant from the federal government, many students may be eligible for additional need-based grant money from the state of New Jersey. However, additional information may need to be supplied from the student, and deadlines vary from the federal requirements. Please carefully review the information below, or visit the Financial Aid Office to determine your TAG eligibility and requirements to complete your state file.
The organization that grants TAG is called HESAA (Higher Education Student Assistance Authority). This is a separate entity from the federal government, who supplies most other types of aid.
You can access HESAA’s information and create a student account by visiting www.hesaa.org or call 1-800-792-8670 for questions.
In order to be eligible for TAG, along with meeting the income requirements to receive the grant, Students are responsible for:
- Adding any additional information required to complete their state file, above and beyond that asked on the FAFSA, by creating a state profile at the link above
- Responding to any and all mail from HESAA required to keep their account up to date and maintain their grant eligibility
- Maintaining at least half-time enrollment (6 credits)
- Maintaining Satisfactory Academic Progress (SAP)
- Being enrolled in an eligible program of study
- Not being in default on any prior student loans
In addition, the TAG grant requires that:
- Students have been a NJ resident for the past twelve months
- Have not exceeded five semesters at a two-year college
Deadlines for TAG
If you are a returning student:
You must file your FAFSA by June 1st of the prior year. For example, if you wish to receive the TAG grant for the Fall of 2014, you must have completed your 2014/2015 FAFSA by June 1, 2014.
If you are a new student:
For the Fall semester, FAFSAs must be completed by October 1st.
For the Spring semester, FAFSAs must be completed by March 1st.
Deadlines to Complete Your State File (students may need to submit additional data elements, college code changes, or complete state verification)
For the Fall Semester, all state files must be completed by November 15th in order to be eligible for TAG.
For the Spring Semester, all state files must be completed by March 15th in order to be eligible for TAG
*Please note: If you are unsure of what college you will attend, but you are considering any NJ schools, you MUST list a NJ school as your top choice on the FAFSA in order to be considered for a TAG grant.*
New Jersey Educational Opportunity Funds (EOF)
EOF is a state program that provides counseling, academic support and financial assistance to educationally and economically disadvantaged students.
NJ STARS Fact Sheet for High School Graduates
The New Jersey Student Tuition Assistance Reward Scholarship (NJ STARS) Program is an initiative created by the State of New Jersey that provides New Jersey’s highest achieving students with free tuition at their home county college.
NJ STARS Benefits
The NJ STARS award covers the cost of tuition, less any State and/or Federal grants and scholarships, for up to five semesters. The award covers these charges for up to 18 credit hours per semester. Funding for NJ STARS awards is dependent upon annual state appropriations.
New Jersey residents, who graduate in the top 15.0 percent of their high school class, complete a rigorous high school course of study and achieve the required score on a college placement test to determine college readiness may be eligible.
Students who do not achieve the required score on the placement test will be able to take appropriate courses while still in high school to improve their skills or they can attend remedial courses at the county college while enrolled in high school.
Students who graduate from high school and do not demonstrate college readiness will be given up to one year to gain the skills they need to become college ready. Students who do not demonstrate college readiness by September 1, of the following year, are no longer NJ STARS eligible. NJ STARS does not cover costs for remedial coursework.
All students must enroll in a full-time course of study no later than the fifth semester following high school graduation.
Students must enroll full time in a degree program at their home county college, unless the student demonstrates that the home county college does not offer the desired program of study or the program is oversubscribed for at least one year.
Students must take a minimum of 12 college-level credits per semester. NJ STARS covers up to 18 college-level credits per semester.
Students and parent(s) must be permanent New Jersey residents pursuant to regulations established by HESAA at the time of high school graduation and upon county college enrollment.
Students must be U.S. citizens or eligible non-citizens and legal New Jersey residents for a minimum of twelve consecutive months prior to high school graduation.
Students must apply for all forms of State and Federal need-based grants and merit scholarships and submit any requested documentation to complete and verify application data within established State deadlines.
- Apply for admission to your home county college
- Meet all admission and application requirements established by the county college
- File the Free Application for Federal Student Aid (FAFSA) annually within established State deadlines
Meet the NJ State deadlines below for submission of additional information:
- Applicant Information Requests (AIR’s)
- Verification documents
- College choice changes
- Corrections to ineligible conditions
Students must attain a minimum cumulative grade point average (GPA) of 3.0 or higher at the start of the third semester of enrollment at the county college to remain an NJ STAR. Summer courses are included in determining the GPA.
Students must maintain continuous full-time enrollment unless on a medical leave, approved by the county college, due to the illness of the student, a member of the student’s immediate family, or a family emergency. The only other exception to continuous full-time enrollment applies to NJ STARS students called to partial or full mobilization for State or Federal active duty as a member of the National Guard or a Reserve component of the Armed Forces of the United States.
Students may take less than 12 credits in their final semester if the county college determines that the student needs less than 12 credits in that semester to complete the degree program.
Students enrolled in a nursing or engineering program that regularly requires six semesters to complete may retain NJ STARS II eligibility. However, NJ STARS will not cover the cost of the sixth semester.
Students may receive the scholarship for up to five semesters, including summer sessions. However, NJ STARS resources are not available to cover any summer 2012 payments.
NJ STARS II Program
NJ STARS recipients who earn an associate degree from a county college with a cumulative GPA of 3.25 or higher, have a family income (taxable and untaxed income) less than $250,000, and meet all other program eligibility requirements may be eligible to receive an NJ STARS II award to transfer to a New Jersey four-year public college or university to earn a baccalaureate degree.
Federal Work Study
Federal Work-Study provides part-time jobs for undergraduate 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. To be considered students need to complete their FAFSA by the Priority filing deadline. Work study funds are paid biweekly based on the number of hours that are worked and the total award amount.
Students seeking FWS employment should contact Jayne McGovern-Unger, Federal Work Study Coordinator at email@example.com or (856) 227-7200, ext., 4345.
Federal Direct Student Loans
Federal Direct Student Loans are borrowed money that must be repaid.
The Federal Direct Loan Program makes low interest loans available to dependent and independent students who are enrolled for at least six credits per semester. Students may be eligible for either a subsidized and/or unsubsidized Federal Direct Loan as determined by the College.
- Subsidized Loans (based on financial need): The Federal Government pays the interest on these loans while the student is in school or in a period of deferment.
- Unsubsidized Loans: The student pays the interest after the loan is disbursed until he or she repays the loan in full.
Federal Direct Loan Limits
|Dependent Students||Base Amount||Additional Unsubsidized Loan Amount|
|Base Amount||Additional Unsubsidized Loan Amount|
Aggregate Loan Limits
- Undergraduate Dependent Students: $31,000 (of which $23,000 can be subsidized)
- Undergraduate Independent Students: $57,500 (of which $23,000 can be subsidized)
To process your Federal Direct Loan, complete the following steps:
- Complete Entrance Counseling and a Master Promissory Note* online at www.studentloans.gov
- Submit a Direct Loan Request Form to the Financial Aid Office.
If we are able to determine that a student has had a prior Federal Direct Loan, we will not require the completion of the Federal Direct Loan Entrance Counseling and Master Promissory Note.
Once the Financial Aid Office is in receipt of your Direct Loan Request Form, and we are able to confirm you have completed the Entrance Counseling and Master Promissory Note, the loan will be awarded.
Parent Loan for Undergraduate Students (PLUS)
Parents who wish to borrow under the Parent Loan for Undergraduate Students Loan Program must apply for the PLUS Loan online at www.studentloans.gov and complete the PLUS Loan request form found on the College's forms menu.
PLUS Loan eligibility is determined by the following calculation:
Cost of Attendance (COA) – ALL Expected Financial Aid = PLUS Loan Eligibility
Students whose parents are denied a PLUS Loan may be eligible to borrow additional unsubsidized Federal Direct Loan funds. In this case notify the financial aid office by submitting a Direct Loan Request form and a copy of the parent's PLUS Loan denial letter.
Students must submit the federal loan request 2 weeks prior to the end of the current semester they are enrolled in except when requesting a Fall/Spring loan. For example, if the student attended at an eligible level during the Fall semester, the Fall/Spring request can be submitted 2 weeks prior to the end of the Spring semester. Allow approximately 30 days for processing. Loans that are awarded prior to the billing due date will hold course registration only if the amount is enough to cover their costs.
Loan Exit Counseling
If you have received Federal Direct Loans at Camden County Community College and have graduated or will be transferring, you are required to complete Exit Counseling. You may complete this counseling online at www.nslds.ed.gov.
Students who would like to view their borrowing history or have questions about payments, previous loans or default resolution, can visit www.nslds.gov to view information and obtain contact information for lenders and servicers.
Private/Alternative Educational Loans
These loans are the responsibility of the consumer. You may contact our office to determine how we can work best with the lender that you select. Camden County College will certify any private loan a student is credit approved for, within their cost of attendance.
Scholarships Offered at CCC
For scholarships offered directly from Camden County College click here.
Besides completing the FAFSA application to be considered for Federal and State Aid, applying for outside scholarships offers a great opportunity to assist with covering educational costs with free money that does not need to be paid back. Below are links to websites that can assist in scholarship searches; please keep in mind that most of the scholarship applications have specific deadlines. Their application processes can be lengthy and time consuming, but can be well worth the time and effort.
New Jersey National Guard Waiver
The National Guard Waiver covers the cost of tuition only up to a maximum of 16 credits/hours per semester. Students are responsible for the payment of all other applicable fees.
- Students must provide a Commanders Certificate of Eligibility from their unit’s authorized representative.
- Students are required to complete the appropriate application for financial aid. (Contact the Financial Aid Department for additional details.) Students who are eligible for aid, must exhaust all such aid prior to utilizing a National Guard Waiver.
- All required forms must be submitted at the time of registration, including verification their of application for financial aid.
The Unemployment Waiver covers tuition and general fees. Students are responsible for payment of all other costs at the time of registration.
- Students are required to complete the appropriate application for financial aid. (Contact the Financial Aid Department for additional details.) Students who are eligible for aid, must exhaust all such aid prior to utilizing an Unemployment Waiver.
- All required forms must be submitted at the time of registration including verification of application for financial aid if applicable.
- Financial aid will first be applied against tuition and waived fees. Remaining aid, if any, will be applied against the fees that are the responsibility of the student.
- Students may register on a space available basis on the last day of the Add/Drop period for the session/semester. Students who register prior to the designated date CAN NOT APPLY the Unemployment Waiver towards the cost of such courses.