Federal Financial Aid

You may be eligible for federal aid from the United States Department of Education if you:

  • Are enrolled in a degree or certificate program
  • Are a U.S. citizen or an eligible non-citizen
  • Have a high school diploma or GED or show ability to benefit from a Dutchess Community College education by earning a qualifying score on a federally approved test administered by Dutchess Community College
  • Demonstrate satisfactory academic progress
  • Are not in default on a Perkins Loan, Stafford Loan, PLUS or SLS Loan at any institution
  • Do not owe a refund of any federal financial aid at any institution
  • Are registered with Selective Service, if required
  • Have never been convicted of a drug-related offense
  • Have completed necessary entrance counseling for first-time borrowers of federal Direct Loan awards

Federal Pell Grant

Through this program, eligible undergraduate students may receive grants based on college costs and the expected family contribution (determined by factors such as family income and assets, size of family and number of post-secondary students in the family). No repayment is required.

Federal Supplemental Educational Opportunity Grants (FSEOG)

As an undergraduate student, you may receive federal grants. These grants are awarded based on exceptional need and circumstances. No repayment is required.

Federal Work-Study

This program, supported through federal and college funds, may be available to you if you are enrolled and can demonstrate financial need. Awards vary according to need and available funds. You may be employed either on- or off-campus with public or nonprofit agencies. Earnings must be used solely for educational purposes. Biweekly payment is made directly to you based on wage and hours worked. Work-study awards cannot be used for tuition, fee or book vouchers.

Federal Direct Loan

This loan is available if you need financial assistance and are attending Dutchess Community College at least half-time (six credits or more per semester).

First-year students may be eligible to borrow up to $3,500 per academic year.

Students who have completed at least 30 credit hours may be eligible to borrow up to $4,500 per academic year.

Dependent students may be eligible to borrow an additional $2,000.

Independent students may be eligible to borrow an additional $6,000.

Direct Loans can be a mix of subsidized and unsubsidized funds.

To apply, you will need to complete your FAFSA listing the college code 002864. An origination fee will be deducted from your loan amount. Loans are disbursed in two separate payments over the loan period. You must begin repayment six months after termination of study or if you drop below six credits. You will need to complete a promissory note online, and first-time borrowers must complete online entrance counseling.

Federal PLUS Loan

If you are a dependent student and your parents have no adverse credit history, they may be eligible for this program. Annual loan limits are based on cost of college attendance less any other financial aid. An origination fee is deducted from the total loan proceeds. Repayment begins within 60 days at a variable interest rate not to exceed 10 percent. For more information see our Federal Direct Loan for Parents page for details.