Financial Aid, CalWORKS, and EOPS FINANCIAL AID How to Apply for Aid College Policy on Financial Aid General Eligibility for Financial Aid Ability to Benefit Policy Determining Financial Need Satisfactory Academic Progress Financial Aid Probation or Disqualification (Credit) Financial Aid Probation or Disqualification (Noncredit) Right to Information Financial Aid Programs Grants Federal Work Study Program Loans Noncredit Financial Assistance Financial Aid Payment of Nonresident Tuition and Enrollment Fee Charges Return of Title IV Funds Withholding of Services to Student in Default on Loans or Owing Refunds CalWORKS

Financial Aid, CalWORKS, and EOPS

FINANCIAL AID

1. Apply for admission to the College.
2. File Free Application for Federal Student Aid (FAFSA) on the web at www.FAFSA.ed.gov or pick-up current FAFSA from the Financial Aid Office. Fill it out and mail to the Federal Central Processor. A new application must be filed every academic year a student wishes to receive financial aid.
3. Complete and submit in person all forms and documents requested by the Financial Aid Office.
4. The Financial Aid Office staff evaluates the documentation and processes your Financial Aid award. Awarding priority is given to early applications   with files completed by May 2 of the award year.

College Policy on Financial Aid

All financial aid at CCSF is administered in accordance with policies and philosophies which have been established nationally. The basis of such programs is the belief that students and their parents have the primary responsibility to meet educational costs and that financial aid is available only to fill the gap between the family’s and/or student’s contribution and allowable educational expenses. The amount of expected student or family contribution is determined by a careful analysis of financial strength: income and net assets which the family may have versus the allowable expenses.

Educational expenses which are considered a basis for establishing student need include nonresident tuition, fees, books and supplies, room, board, transportation, and personal expenses. The CCSF Financial Aid Office has an established student budget to reflect the costs of each of these items based on a statewide cost survey and local cost data.

General Eligibility for Financial Aid

Specific eligibility requirements vary from program to program. The following criteria apply to all financial aid programs. To receive financial aid, a student must:

1. Be accepted and enrolled as a regular student in an eligible program leading to an Associate Degree, a certificate, an Award of Achievement or transfer to a four-year college or  university;
2. Be a U.S. citizen or an eligible non-citizen;
3. Demonstrate financial need for need-based programs;
4. Maintain satisfactory academic progress in a course of study according to the standards and practices of CCSF;
5. Not owe a refund on a Federal Pell Grant or Federal SEOG;
6. Not be in default on any Federal Perkins, Federal Stafford Loan or California Loan to Assist Students/PLUS;
7. Male applicants between the ages of 18 through 25 must be registered with Selective Service;
8. Have a valid Social Security Number;
9. Must not have federal benefits suspended due to drug offense conviction;
10. Have a high school diploma (or equivalent) or pass an ind pendently administered test (Ability to Benefit Test).

Federal regulations, effective July 1, 1991, require post-secondary institutions to certify whether a student without a high school diploma or its equivalent has the ability to benefit from the instruction provided by the institution prior to the awarding of any federal financial aid funds.

In order for the student to demonstrate his/her “ability to benefit”, and thereby become eligible to receive Title IV (federal financial aid), the student who lacks a high school diploma or its equivalent must pass an independently administered test approved by the U. S. Secretary of Education.

Please call the Testing Office at 239-3128 for information regarding testing sites and schedules.

Determining Financial Need

The amount of financial aid is subject to available federal and state funds. The type of aid and amount received by each student will be determined by the Financial Aid Office. Need-based financial aid awards are based on demonstrated financial need which is the difference between allowable educational expenses and the family’s expected contribution (or the student’s own expected contribution) and other resources.

Contribution is determined from the financial aid application and other required documentation, such as the 1040 Federal Income Tax Return of the parents and/or student. All information is held in strictest confidence.

Satisfactory Academic Progress

Federal regulations require that all students receiving financial aid comply with the financial aid Satisfactory Academic Progress Policy established by the College. To receive financial aid, students must maintain the standards described below.

LENGTH OF ELIGIBILITY –  City College of San Francisco (CCSF) has established a maximum time frame of 90 cumulative units attempted. Students are no longer eligible for financial aid after attempting 90 units, whether or not financial aid was received. All transfer units are also counted in the 90 units.

GRADE POINT AVERAGE (GPA) – To maintain satisfactory academic progress and remain eligible for financial aid, students must maintain a minimum cumulative GPA of 2.0.

UNIT COMPLETION REQUIREMENT – CCSF will review each student’s record at the end of each academic semester. To maintain satisfactory academic progress, students must earn a total of 67% of all the units attempted.

For noncredit students the requirements for satisfactory academic progress are:

1. The student must keep a cumulative 2.0 grade point average or a passing grade in all eligible classes enrolled each semester.
2. The student must maintain at least 80% attendance in all hours he/she declares each term. Repeated classes are not included.

1. If a student declares that he or she is going to carry 25 or more hours per week for 18 weeks, he or she must complete at least 18 weeks x 25 hours/week x 80% = 360 hours.
2. If a student declares that he or she is going to carry 16 hours  per week for 18 weeks he or she must complete at least 18 weeks x 16 hours per week x 80% = 230 hours. 3) If a student declares that he or she is going to carry 12 hours per week for 18 weeks, he or she must complete at least 18 weeks x 12 hours per week x 80% = 173 hours.
3. The student may not normally receive financial aid if he or she has already completed a certificated program or the student has a BA or BS or higher degree.

1. Financial aid recipients who do not maintain satisfactory academic progress will be placed on financial aid probation or may become ineligible for aid (disqualified).
2. A student who is denied financial aid or who wishes to request a waiver of the CCSF Satisfactory Academic Progress Policy has the right to appeal. Appeals are reviewed by the Financial Aid Academic counselors.

Financial Aid Probation or Disqualification (Noncredit)

A student's status with regard to satisfactory academic progress is reviewed by a Financial Aid Assistant at least once per semester. If a student does not maintain satisfactory academic progress, he or she will be placed on financial aid probation.

Students on probation may still qualify to receive financial aid under the following conditions:

1. Must make up any hours owed for prior terms before receiving any further aid.
2. Must maintain a passing grade in all eligible courses during their probationary term.
3. Must attend at least 80% of all courses as determined by their enrollment status during their probationary term.

Additional information regarding financial aid policies and procedures is available in the Financial Aid Office.

Right to Information Students have the right to a full explanation of CCSF financial aid programs, policies, and procedures. Complete information is contained in the written regulations available in the Financial Aid Office. For information on academic programs and facilities, faculty, accreditation, refund policies and non-discrimination policies, see appropriate section of this Catalog. Financial Aid Programs Financial aid consists of programs which are funded and regulated by the federal and state governments. The programs are of four different kinds: Grants, Work, Loans and Fee Waivers.

Grants

A grant is money which students do not have to work for or repay. Students with bachelor's degrees are not eligible for grants.

Federal Pell Grant - Grants range from $400-$4050 per year depending on Federal allocations.

Federal Supplemental Educational Opportunity Grant (FSEOG) - A grant is awarded at CCSF according to a formula based on student need and generally will range from $100 to $500 per academic year.

Board of Governors Fee Waiver (BOGW) - A financial assistance program to offset enrollment fees, the Financial Aid Office determines student eligibility based on state guidelines and authorizes the Tuition and Fees Office to use BOGW funds to waive the fee charges. BOGW is available to California residents only.

Cal Grant: A, B, and C - The State of California, through the Student Aid Commission, offers and administers several grant programs for undergraduate students. These include Cal Grant A, B, and C. A student can receive only one type of Cal Grant.

Cal Grant A is to be used when a student transfers to a four-year institution in California. This grant provides tuition assistance. If the student qualifies for a Cal Grant A and wants to attend a public community college, the Student Aid Commission will hold the Cal Grant A award until the student transfers to a four-year college.

Cal Grant B is awarded to disadvantaged students at the community college the student can receive up to $1551 in Cal B Grant per year.

Cal Grant C helps vocational program students with tuition and training costs. Students enrolled in eligible Vocational Programs may receive up to $576 per year.

The Federal Work-Study Program offers jobs for 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 student’s course of study. Students who receive a Federal Work Study offer may contact the Career Development and Placement Center in Science Hall 127 regarding job placement. If the student works off campus, the employer will usually be a private non-profit organization or a public agency, and the work performed must be in the public interest. The amount earned cannot exceed student’s total Federal Work Study award.

Loans

Loans are monies which are borrowed now and must be paid back after leaving school.

Federal Perkins Loan - This loan is awarded at CCSF according to a formula based on student need and generally will range from $200 to $1,500 per academic year. A student may borrow a cumulative total of $15,000 throughout his undergraduate career.

The Federal Perkins loan comes with a 5% interest, to be repaid nine months after the student borrower drops below half-time, withdraws, or leaves school. A loan may be cancelled in part or entirely under certain circumstances. The minimum repayment per year is $480.

The Student Account Services, located in Bungalow 619, is responsible for collections of the Perkins (NDSL) loans.

Federal Stafford Loan - Stafford Loans are certified by the Financial Aid Office and are obtained from private lenders such as banks or credit unions and are guaranteed by the guarantee agency. City College has a multi-disbursement schedule for the issuance of Stafford checks. Interest on the Federal Unsubsidized Stafford Loan accrues on the unpaid principal balance on each loan from the date of disbursement by the lender until the entire principal balance is paid in full. Students do not have to demonstrate financial need to qualify for Unsubsidized Stafford Loan. Interest on the Federal Subsidized Stafford Loan is paid by the federal government while borrowers are enrolled in school or in deferment. Students have to demonstrate financial need to qualify for Subsidized Stafford Loan.

Repayment on the Federal Stafford Loan begins six months after the student borrower drops below half-time, withdraws or leaves school.

NOTE: If the student transfers to another school and does not wish to begin repayment, a deferment request is obtained and submitted to the lender.

Noncredit Financial Assistance

Financial assistance consists of grants and student employment programs offered singly or in combinations to students who demonstrate financial need. The purpose of financial assistance is to provide monetary assistance to students who could benefit from furthering their education but cannot without financial assistance. Among federal financial assistance programs available to eligible students of City College of San Francisco are:

1. Federal Pell Grant
2. Federal Supplemental Educational Opportunity Grant (FSEOG)
3. Federal Work-Study (FWS)

1. Cal Grant "B''
2. Cal Grant "C''

• Alemany Campus

Vocational ESL Office Training
 
• Chinatown/North Beach Campus

Computerized Assistant
Vocational ESL Office Training
 
• Downtown Campus

Administrative Assistant
Hospitality (Culinary Skills Training)
Microcomputer Business Applications
Vocational ESL Office Training
 
• Evans Campus

Construction Trade Industry
 
• John Adams Campus

Administrative Assistant
Computerized Accounting
Clerical Assistant
Microcomputer Business Applications
 
• Mission Campus

Administrative Assistant
Computerized Accounting
Clerical Assistant
Microcomputer Business Applications
 
• Southeast Campus

Administrative Assistant
Clerical Assistant
Computerized Machine Technology
Microcomputer Business Applications

After the Office of Tuition and Fees determines student nonresident tuition and enrollment fee charges, payment will be drawn from the student financial aid award.
Charges which are not met with financial aid are the responsibility of the student.

Return of Title IV Funds

In accordance with federal law, students who receive federal financial aid and withdraw from all their classes before completing at least 60% of the semester will have their financial aid eligibility recalculated based on the percentage of the semester completed, and will be required to repay any unearned financial aid they received. Students who complete 60% or more of their classes will not be required to pay.

Withholding of Services to Students in Default on Loans or Owing Refunds

If a student or former student is in default on the Title IV loan (Federal Family Education Loan, formerly Guaranteed Student Loan) or on a Federal Perkins Loan (formerly National Direct/Defense Student Loan) or owes a refund on a grant (Pell, FSEOG), the District shall withhold the following services: provision of grades, provision of transcripts, and provision of diploma.

The term “default” is defined by the U.S. Department of Education as the failure of a borrower to make an installment payment when due or to meet other terms of the promissory note.

The services witheld may be provided in certain circumstances which will be addressed on an individual basis by the administration.

CalWORKS