Financing Your College Education
Financing a college education is frequently a challenge to students and their families.
However, in addition to family assistance, personal savings, and summer earnings,
there are a number of supplemental ways to pay for college costs. Financial aid can
be received through scholarships, grants, loans or part-time employment. These are
generally referred to as “financial aid.”
Please be aware that courses not applicable toward a student’s degree or certificate
program are not eligible for New York state or federal financial aid. State and federal
financial aid can be given for those courses which are remedial (developmental) in
nature and required by the College. Credit-bearing courses that are prerequisites
for a required course in a program are not eligible for financial aid unless these
courses can fulfill other requirements (i.e., electives) in the program.
The Office of Student Financial Services, located in the Orcutt Student Services Center,
Room 202, provides financial counseling to students and their families, and is prepared
to assist them in analyzing and understanding the financial resources available to
It is important that students plan well in advance for the financing of their college
education. Early contact with the Office of Student Financial Services and filing
applications early for financial aid will reduce delay, frustration, disappointment
and financial crises.
Purpose of Financial Aid
The primary purpose of financial aid is to provide assistance to students who would
not otherwise be able to attend college. The basic premise of student aid is that
the primary responsibility for meeting college costs rests with the student and his
or her family. The extent of this financial responsibility is determined by a uniform
analysis of financial data submitted by the student and family.
Meeting Financial Need
Financial need is the difference between total college costs (tuition, fees, books,
room, board, transportation and personal expenses) and the assessed ability of the
student and family to contribute to the student’s educational expenses. Student financial
aid at Dutchess Community College is awarded on the basis of financial need.
Financial assistance is available for eligible students from several sources — including
the federal and state governments, public and private agencies, organizations and
companies. Some companies also have tuition reimbursement plans for employees through
which students who are employees may defer tuition payments until the end of the semester.
Part-time matriculated students are eligible for some of the same types of aid as
full-time students. There are also some governmental programs which provide aid specifically
for part-time matriculated students. All students (full-time or part-time) are encouraged
to complete the application procedure in order to receive consideration for any appropriate
programs for which they are eligible.
All the required papers and forms needed to apply for various types of financial aid
are available from the Office of Student Financial Services at Dutchess Community
Applying for Financial Aid
Free Federal Application. Complete the Free Application for Federal Student Aid (FAFSA). You may do this by
applying on the web, using www.studentaid.gov. Your eligibility for all federal aid
programs and most other types of aid administered by Dutchess Community College will
be determined by using the FAFSA. To sign your FAFSA electronically, you must have
an FSA ID. To apply for an FSA ID, please apply at https://fsaid.ed.gov.
Income Documentation. All financial aid applicants and/or their families may be required to submit proof
of income, including but not limited to, copies of tax documents or proof provided
directly from the Internal Revenue Service. Documentation of nontaxable income may
be requested as well. Each student is notified individually regarding the outstanding
documents needed to complete their application for financial aid.
Tuition Assistance Program (TAP and APTS)
The New York State Higher Education Services Corporation provides aid to both full-time
and part-time students.
TAP (Tuition Assistance Program) grants are designed to assist New York state residents,
who are attending college full-time, with tuition costs. A student may apply by completing
the Free Application for Federal Student Aid (FAFSA) and linking to New York State
Higher Education Services Corporation at the conclusion of the FAFSA application process
or can apply separately at https://www.tap.hesc.ny.gov/totw/ approximately one week
after submitting the FAFSA.
APTS (Aid for Part-time Study) grants are available to eligible matriculated students who
demonstrate financial need and are enrolling for 3 to 11 credits. Students must complete
the FAFSA to qualify for APTS. There is currently a maximum award of up to $1,000
of funding per semester. Applicants to qualify, must meet NYS satisfactory academic
progress standards and specific income guidelines.
New York State Financial Aid Programs
Excelsior Scholarship : Beginning with the 2017-2018 academic year, qualified New York State students may
be eligible for coverage of full-time tuition, if they meet both academic and financial criteria. A student must complete the FAFSA
(Free Application for Federal Student Aid), the TAP (Tuition Assistance Program) and
Excelsior Scholarship applications in order to be eligible.
Veterans Tuition Award: Vietnam, Persian Gulf, Afghanistan, or other eligible combat veterans matriculated
at an undergraduate or graduate degree-granting institution or in an approved vocational
training program in New York State are eligible for awards for full or part-time study.
NYS Stem Scholarship: The NYS STEM Incentive program provides a full SUNY tuition scholarship to the top
10 percent of students in each NYS high school if they pursue a STEM degree in an
associate’s or bachelor’s degree program and agree to live in NYS and work in a STEM
field in NYS for five years after graduation.
Information regarding other NYS financial aid programs can be found at www.hesc.ny.gov.
Other Governmental Sources of Aid
Veterans Benefits: Dutchess Community College is approved for study under the Title 38 US Code: Chapter
30 (Montgomery GI Bill – Active Duty), Chapter 31 (Vocation Rehabilitation Act), Chapter
32, Post-Vietnam Era Veterans Educational Assistance Program (VEAP), Chapter 33 (Post
9/11 GI Bill), Chapter 35 Dependents Educational Assistance.
Other Military Related Programs: Chapter 1606 Montgomery G.I. Bill (Selective Service), Chapter 1607 (Reserve Educational
Assistance Program (REAP), Army Tuition Assistance Program, National Guard & Naval
Militia Tuition Assistance Programs, and Military Spouse Career Advancement Account
Benefits for educational plans are determined by the VA certification process and
DCC enrollment status. For more information and applications, contact the Certifying
VA Official located in Hudson Hall, Room 212.
War Orphans Educational Assistance Act. Educational benefits are provided to children of veterans who died in service or
as a result of a disability received while in service. Students who believe that they
may be eligible for those benefits are urged to discuss the matter with their local
Veterans Administration Office.
ACCES-VR (Adult Career and Continuing Education Services-Vocational Rehabilitation) is a service
of the New York State Department of Education. ACCES-VR provides financial assistance
with college costs for eligible clients. For further information, contact the regional
office in Poughkeepsie.
Short-term loans of modest amounts may be made to students giving evidence of unexpected
financial stress. A student may only receive one short-term loan per semester, and
it is limited to $350. For final determination of the student’s eligibility for a
short term loan, the student should consult the Office of Student Financial Services.
Satisfactory Academic Progress and Program Pursuit for Financial Aid
To receive any institutional, state and federal Title IV financial assistance, a student
must maintain eligibility by making satisfactory academic progress and satisfactory
pursuit of program. Students are required to show progress by earning appropriate
applicable degree credits, with a specific grade point and quality point average(s)
as determined by the institution. Satisfactory academic progress and program pursuit
standards are for institutional, state and federal Title IV financial aid programs.
Copies of these eligibility standards are available in the Office of Student Financial
Services and at www.sunydutchess.edu. Students are encouraged to visit the Office
of Student Financial Services with any questions about their rights and responsibilities
concerning eligibility for financial assistance.
Financial Aid Programs
The Office of Student Financial Services can assist students and/or their families
with questions concerning all types of federal aid programs. Call the Office of Student
Financial Services, (845) 431-8060, for more information about:
Federal Pell Grants
Federal Supplemental Education Opportunity Grants
Federal Direct Subsidized Loan
Federal Direct Unsubsidized Loan
Federal Direct PLUS (Parent Loan for Undergraduate Students)
Federal College Work Study
NYS Tuition Assistance Program (TAP)
NYS Aid for Part-time students (APTS)
NYS Excelsior Scholarship
Senator Jose’ Peralta New York State DREAM Act
Scholarship Aid from the DCC Foundation
Scholarships are available for incoming, continuing and graduating students. Visit
Foundation page for more information.
Your Right To Know
The federal government under the Student Right-to-Know legislation requires colleges
and universities to report the percentage of students who began their studies full-time
and then completed their programs within 150% of the normal time for completion. This
time is three years for an associate degree.
In general, Dutchess Community College students compare favorably with other community
colleges in the Hudson Valley. For full-time students entering DCC in the Fall 2012
semester, the percentage of students who graduated within a three-year period (24%)
has been consistently among the highest when compared with the other five regional
The sample used to satisfy the federal report contains only first-time, full-time
students. Since in many programs the majority of students enrolled are part-time,
many successful students are not counted in the numbers above.
Several factors tend to delay graduation for community college students: three years
is a relatively short time to complete a degree. Many community college students work
full time, and tend to change from one program to another and from full- to part-time.
They may “stop out” for a semester or more. Also, more than half of the students entering
DCC are required to take remedial courses which increases the time necessary to complete
Several positive factors — including selection of a specialized career goal — can
cause community college students to transfer out of the community college before completing
their degree. Therefore, the transfer-out rate is a measure of the community college
experience as a stepping stone to further success. For the cohort of Dutchess Community
College students described above, the transfer-out rate is 25%. DCC is proud that
in a recent SUNY report, students who transferred from DCC to four-year SUNY schools
had the highest retention rate in the system. This is a testament to the College’s
commitment to prepare students for future success.
Adding together these three measures of academic success (graduation, transfer out,
and continuing enrollment) we find the full-time students who entered DCC in the fall
of 2011 have succeeded at a consistently high rate when compared to the other five
regional community colleges.
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