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In order to receive financial aid, all students must meet certain general requirements. The first step toward receiving federal and state financial aid is to complete the FAFSA and TAP applications on time every year! Each application becomes available on October 1 and students are encouraged to apply as early as possible!
Students must also:
Each financial aid award is based on need, eligibility, and available funds. First consideration goes to students who apply early and show the greatest need. Need is determined by comparing the cost of attending Dutchess Community College with the expected family contribution as calculated by a federal formula. Budgets used for financial aid vary depending upon your status, residency, and program. Standard budgets used for awarding financial aid are available from the Office of Financial Aid.
The following is an estimated budget for fall 2016 and spring 2017, for a dependent full-time student living at home in Poughkeepsie and surrounding areas:
The actual amount awarded may be different from the estimated award. The actual award may be adjusted based on additional information, revised regulations, or changed student status. Financial aid will only be paid for classes that you are currently attending and that are required (applicable) for your degree.
You should complete a Change of Circumstance Form and submit it to the Office of Financial Aid. You should also provide the requested documentation to support your special circumstance. The Office of Financial Aid will review the new information and if possible recalculate your financial aid. The Change of Circumstance Form has a deadline of May 1, 2017. This covers the Fall 2016, Spring 2017, and Summer 2017 semesters. Please be aware a Change of Circumstance evaluation can take up to 6-8 weeks to review.
Dropping classes or failing to attend classes for which you are registered may result in loss of or adjustments to your financial aid, even after you have received it.
View information on Student Responsibilities and Maintaining Eligibility for financial aid.
Financial aid is disbursed (paid) as follows:
If the amount of your financial aid exceeds your tuition and fees you could be eligible for a Book Voucher to use at the campus bookstore. Check your Banner account for the amount of your financial aid credit. A voucher will be issued to the student directly from the Office of Student Accounts that they can use to purchase books & supplies from the DCC Bookstore.
If your financial aid exceeds your tuition, fees, and bookstore charges, you'll get the remainder as a refund to be used for other education related expenses. The amount of the refund will be based the number of credits for courses that:
If you accepted your loans in full and would like to either reduce the total amount or cancel them in full, please click here. Simply print out the form or pick up a copy from our office, complete it and hand it in!
What if I would like to accept my loans after I have declined them?
If you originally declined your loans or only accepted a partial amount, you can complete a form to reinstate or increase your loan by clicking here. This form can also be completed in our office.
In order to maintain your eligibility for federal aid, you must be meeting satisfactory academic progress. Your satisfactory academic progress is evaluated at the end of each semester of the academic year. There are three requirements that you must meet in order to maintain eligibility. You must have an overall GPA of 2.0 or higher, you must have completed 2/3 of the credits that you have attempted, and you must not have taken more than 150% of the credits it takes to get your degree. For a more detailed explanation of our satisfactory academic progress policy, please click here.
To view your current status, please click here.
If you fall below the required completion rate or GPA requirement, you will be given a one-time Warning Status semester to regain eligibility. After the Warning Status semester, if you have not regained eligibility, you may apply for a Satisfactory Academic Progress Appeal with the Dean of Student’s Services Office if you are able to document extenuating circumstances.
Unfortunately, there is no appeal process if you have taken more than 150% of the credits it takes to get your degree, at this time.
Full-time community college students may receive six semesters of New York State Tuition Assistance Program (TAP) aid. To maintain eligibility, you must achieve the following TAP standards by the end of each semester. To view your current status, please click here[SM13]
To review the New York State Full Time (TAP) eligibility rules please see NYS Academic Progress Chart,
To review the New York State Part Time (APTS) eligibility rules please see NYS Academic Progress Chart.
If you lose your eligibility for State Financial Aid, you will be notified by letter and email from the Office of Financial Aid. You may apply for a NYS Academic Progress Waiver with the Dean of Student’s Services Office if you are able to document extenuating circumstances.
Withdrawing, even from a single course, could affect your eligibility for aid, now and in the future! Depending on the date that you drop the course(s), your aid may be reduced or removed from your course. You may even owe money back to the school depending on your situation. Withdrawing from courses also affects your 2/3 completion rate which could put your satisfactory academic progress in jeopardy. For more information on how withdrawing from courses could affect you, please click here.
Default generally occurs on a federal student loan when a borrower doesn't make a payment for 270 days. During the delinquency period, the loan servicer must make repeated efforts to locate and contact the borrower about repayment. If the lender is unsuccessful, steps will be taken to place the loan in default. Borrowers should avoid default at all costs! Unlike other consumer loans, student loans usually cannot be discharged through bankruptcy and will likely stay with borrowers for the rest of their lives.
A borrower with a defaulted loan faces these consequences:
For more information on default and tips for what you can do if you’re struggling or already in default, please click here.
Check out our FATV page!