What are the Rights and Responsibilities of financial aid applicants and recipients?
- Financial aid applicants & recipients are expected to review and follow the policies and procedures established by the Office of Financial Aid, the College and the financial aid programs.
- These guidelines, rules, requirements and consumer disclosures are located in the following areas: the college website Financial Aid page and the College Catalog; on the Award Letter Information and Conditions Sheet; and on the Important Information Bulletin Sheet. Materials sent to students from the Office of Financial Aid and their service providers may include information regarding requirements.
- All award and eligibility requirements are subject to change without notice.
What is financial aid?
A college education is one of the most important investments anyone can make. Schoolcraft College understands that students often need help to finance their education. Financial aid programs can provide students with options that may assist them in meeting educational expenses and achieving their educational goals.
There are two basic categories of financial assistance: need-based and non-need-based aid. Need-based aid uses a formula to determine a family’s financial strength and eligibility for a program. Non-need-based aid does not use the financial strength of the family but may take into consideration other factors such as grade-point average. All programs, criteria and funding are subject to change without notice.
Who is eligible to apply for financial aid?
Students are eligible to apply if they:
- Have a valid social security number
- Are admitted as a regular student to Schoolcraft College (Guest and non-degree seeking students are not eligible for aid. Upon graduation, your academic program will be changed to “0900: Non-Degree Seeking”. If you plan to continue further studies at Schoolcraft College, you must complete and submit a Change of Program form to the Admissions & Welcome Center, indicating your new field of study. Please note that financial aid is not available to students who have a program code of 0900.)
- Are a U.S. Citizen or eligible non-citizen
- Enroll in a Schoolcraft College degree or certificate program
- Are not in default and do not owe a repayment on any federal student aid program
- Make satisfactory academic progress toward a degree or certificate
- Possess a high school diploma, GED certificate or pass certain tests required under Ability to Benefit provisions
- Register with the Selective Service, if required.
What academic requirements must I meet?
What is Unusual Enrollment History?
Enrollment History (UEH):
Beginning in 2013-14, some Free Applications for Federal Student Aid (FAFSAs) will be flagged for “unusual enrollment history” by the U. S. Department of Education. You have been selected as a result of receiving the federal Pell Grant at multiple institutions in recent years. This flag will require the current institution to review the student’s enrollment history and determine whether or not the student is enrolling only long enough to receive cash refunds of federal student aid.
NOTE: In the process of reviewing a student’s UEH flag, the Office of Financial Aid, will check the National Student Loan Data System (NSLDS) for complete enrollment history (i.e., name of each school attended during the 2010-11, 2011-12, and 2012-13 academic years – the review period – and dates of attendance). Unusual Enrollment History must be resolved before a student is eligible to receive Federal financial aid.
How to resolve:
Students flagged by the Department of Education for an Unusual Enrollment History may be required to complete an Unusual Enrollment History Appeal form and provide their Official College Transcripts. The transcripts will be required for each institution attended during the previous three years. If Pell Grants were received and credit hours (passing grades: A - D) were not earned at each institution attended during these award years, the student may be determined ineligible for further federal financial aid.
- Students will be notified through the mail or email if they will be required to submit the Unusual Enrollment History Appeal form and academic transcripts (make sure your contact information is up-to-date with the college).
Eligibility for aid approved:
If a student has been approved for financial aid they will receive an award notice for the academic year or a notification that additional information is required to complete a FAFSA review.
Ineligibility for aid determination:
If a student has been determined by the Office of Financial Aid to be ineligible for federal student aid based on the documentation submitted, review of transcripts, and letter of explanation, there is no additional appeal process. All decisions are final. Students whose aid eligibility is denied as a result of their UEH can be re-considered for federal student aid after meeting with an academic advisor, creating an academic plan, enrolling for 6 credits in 100 level courses that are required by their program, not withdrawing from (officially or unofficially) any course, and passing those courses with a minimum 2.0 in any course.
How much does it cost to attend Schoolcraft College?
Using rules established by the U.S. Congress, the College sets cost of attendance allowances. These reflect modest book, travel, room, board and miscellaneous allowances as well as average tuition and fee charges. In certain circumstances, if applicable, it may reflect costs related to dependent care, a disability and loan fees.
Typical cost of attendance for a full-time student for an academic year (fall and winter):
| ||Resident ||Non-Resident |
|Tuition and fees ||$2,908 ||$3,974 |
|Books and supplies ||$1,300 ||$1,300 |
|Transportation ||$2,061 ||$2,061 |
|Miscellaneous ||$1,427 ||$1,427 |
|Room and board ||$6,665 ||$6,665 |
|TOTAL ||$14,361 ||$15,427 |
* Figures are based on 2013-2014 academic year costs and subject to adjustment due to changes in law and College Board of Trustee policy. Actual costs will vary from student to student.
What are the rules about attending classes, withdrawing from classes and refunds?
Financial aid assists many students in reaching their educational goals each year. The government requires students to meet several criteria in order to establish current and retain future eligibility for funding. They are described here.
When should I apply for financial aid?
Students should apply for financial aid each academic year they wish to be considered for aid.
Applications are processed year round, but students are advised to file applications as early as possible to receive notification of eligibility before tuition payments are due. This usually means filing in the early spring for the upcoming academic year.
The Free Application for Federal Student Aid (FAFSA) is available on January 1 for the next academic year. For the 2013-2014 academic year, apply on or after January 1, 2013 for: Summer 2013, Fall 2013, Winter 2014 and Spring 2014.
How do I apply for financial aid?
Eligibility: Eligibility requirements vary from program to program. Financial aid program awards are determined and disbursed in compliance with established federal, state and institutional requirements and guidelines. In addition to meeting program eligibility requirements, students must adhere to College policies and procedures.
Financial Need: Financial aid programs were developed on the premise that the student and spouse, if married, or the student’s family, have the primary responsibility for financing a college education. Financial aid is available to supplement the student’s and family’s resources.
Most aid dollars are awarded on the basis of a federal need analysis formula established by the U.S. Congress. The formula measures each family’s ability to pay for college expenses and is calculated using all the questions and answers on the Free Application for Federal Student Aid (FAFSA). The result is the student’s Expected Family Contribution (EFC).
The following formula is used to determine an individual student’s need for financial aid: Cost of Attendance - Expected Family Contribution = Financial Need. Students may be awarded up to their total need from various financial aid programs. Depending on eligibility, an award package can be any combination of grants, scholarships, work-study and loans. The student can accept or reject all or any part of the award package.
Selection of Recipients: In addition to program eligibility requirements and financial need, students are selected to receive financial aid based on deadlines and maintaining satisfactory academic progress. Schoolcraft College awards financial aid in the following order, depending on the student qualifications: 1) grants 2) scholarships 3) work-study 4) student loans.
The Office of Financial Aid determines the type and amount of each award. The type and amount of award are based on a variety of factors including financial need, outside resources, class attendance, enrollment status, dependency status, program limitations and the availability of funds. When funds are limited, awards may be granted to applicants who meet all requirements and have a complete financial aid file.
What happens if I am eligible for aid?
- You receive an Award Letter from Schoolcraft College indicating which financial aid programs you are awarded, the dollar amount of the award and the enrollment status required.
- You must notify the Office of Financial Aid of any award program that you will not accept.
- During registration, you may charge tuition and fees to your financial aid account up to the amount of your grant, scholarship and loan aid. If your aid is less than your tuition and fees, you will be required to pay the balance when you register for classes.
- If you have any remaining aid after you have charged your tuition and fees, you may also charge books and supplies at the Schoolcraft College Bookstore. To purchase books, you will need your registration statement and picture ID. Dates to begin charging against financial aid at the Bookstore vary; refer to your current Award Letter. The last date to charge books is always the last day of registration each semester.
- The balance of your aid not used for tuition, fees, books, and supplies will be mailed to your home before the midpoint of each semester if you have been attending your classes.
- If you have a work-study award, you must complete an application for employment in the Career and Transfer Center, located in the McDowell Center. Note: Anticipated work-study earnings cannot be used toward the payment of classes. Once you have started working, you will be paid on a biweekly basis.
- Financial aid awards are allocated by semester and based on your registered credit hours. Your initial award will indicate eligibility for the fall and/or winter semesters. If your enrollment plans change, notify the Office of Financial Aid before you register, and your award will be revised based on your updated enrollment plans.
The total number of credit hours you are enrolled in at the end of each semester determines your enrollment status.
|Enrollment status ||Credit hours |
|full-time ||12+ |
|three-quarter-time ||9-11 |
|half-time ||6-8 |
|less-than-half-time ||1-5 |
What happens if I am not eligible for aid?
- You will receive a letter informing you of the reason(s) you were not eligible for need-based aid and available non-need based aid options.
- Inform the Office of Financial Aid of changes in financial or family circumstances, such as loss of employment, death or disability of a family wage earner, divorce or separation. You may qualify for a re-evaluation of your financial aid information.
- Reapply for financial aid each academic year, because requirements for financial aid may change.
What do transfer students need to know?
Transferring to another college: Students planning to transfer to a four-year institution should contact that institution’s Financial Aid Office for financial aid requirements, deadline dates and application procedures. Students usually begin the application process in January or February for the following September. Students who transfer from one institution to another within the same academic year will have their aid prorated based on use at the first institution attended. Financial aid is generally not transferable from one institution to another.
Transfer Scholarships: Senior colleges and universities award many scholarships to graduates of Schoolcraft College who plan to transfer to their institutions. Scholarships are awarded on the basis of academic achievement, financial need or other specified criteria. Contact the college to which you plan to transfer or the Schoolcraft College Counseling Center for information on transfer scholarships.
May I receive financial aid at two schools at the same time?
Students may not receive financial aid at another institution and Schoolcraft College concurrently. Students will be responsible for any over awards and will not be eligible for further aid until the funds are repaid.
May I receive financial aid for study abroad?
Students may be eligible for federal assistance for attending a study abroad program that is approved for credit by Schoolcraft College. Contact the Office of Financial Aid to determine individual eligibility.
Is financial aid taxable?
Generally, grants and scholarships are tax free if they are used for qualifying tuition and course-related expenses. Course-related expenses, such as fees, books, supplies and equipment, must be required of all students in a course of instruction to be used as a qualifying expense. Questions regarding tax issues should be directed to the IRS or your tax preparer.
IRS Data Retrieval Instructions
- Sign into the fafsa.gov website
- Click “Make FAFSA correction”
- Click next until you get to “Financial Information” or click on the “Financial Information” tab
- If you are able to answer “No” to all 5 questions [Did you or your spouse file as Married Filing Separately? Did you or your spouse file as Head of Household? Did you file an amended tax return? Did you file a Puerto Rican or foreign tax return? Did you file your taxes electronically in the last 3 weeks?] If you are NOT able to answer “No,” you must request your IRS tax return transcript to be mailed from the IRS.
- Click the link that says “Link to IRS”
- Click okay
- Click okay again
- Enter how you filed taxes (ex. Single, Married, etc)
- Enter your ddress just as it is listed on the your Federal tax forms
- Click “Submit”
- If your address matches, it will pull up the information that the IRS has for you.
- Check the box to “Transfer My Tax Information into the FAFSA”
- Click “Transfer Now”
- It will take you back to the FAFSA website, scroll to the bottom of page, click “Next”
- View your changes and click “Next”
- Sign with your pin number
- Accept the terms and conditions
- Click “Submit”
- You will know that it went through when it takes you to the confirmation page.
Schoolcraft will get the updated information in approximately 1–2 weeks. You can check the status in WebAdvisor, under “My Documents.”
IRS Tax Return Transcript, IRS Tax Account Transcript, and IRS Record of Account Request Process
Tax filers can request from the IRS an IRS Tax Return Transcript or an IRS Tax Account Transcript of their 2012 IRS tax return, free of charge, in one of three ways.
- Available on the IRS Web site at www.irs.gov
- In the Tools section of the homepage click “Order a Return or Account Transcript”
- Click “Order a Transcript”
- Enter the tax filer’s social security number, date of birth, street address, and zip or postal code. Use the address currently on file with the IRS. Generally this will be the address that was listed on the latest tax return filed. However, if an address change has been completed either through the IRS or the US Postal Service, the IRS may have the updated address on file, which should be used. For a joint tax return, use the primary tax filer’s social security number, date of birth, street address, and zip or postal code.
- Click “Continue”
- In the Type of Transcript field, select “Return Transcript” or “Account Transcript” and in the Tax Year field, select“2012”.
- If successfully validated, tax filers can expect to receive a paper IRS Tax Return Transcript or an IRS Tax Account Transcript, whichever was requested, at the address included in their online request, within 5 to 10 business days from the time the online request was successfully transmitted to the IRS.
- IRS Tax Return Transcripts and IRS Tax Account Transcripts requested online cannot be mailed to an address other than the address on file with the IRS.
- Available from the IRS by calling 1-800-908-9946
- Tax filers must follow prompts to enter their social security number and the numbers in their street address. Generally this will be numbers of the street address that was listed on the latest tax return filed. However, if an address change has been completed either through the IRS or the US Postal Service, the IRS may have the updated address on file. For a joint tax return, use the primary tax filer’s social security number, date of birth, street address, and zip or postal code.
Paper Request Form – IRS Form 4506T-EZ
- IRS Form 4506T-EZ should be used instead of IRS Form 4506-T because it is sufficient to request an IRS Tax Return Transcript.
- Download at http://www.irs.gov/pub/irs-pdf/f4506tez.pdf
- Complete lines 1–4, following the instructions on page 2 of the form. Note that line 3 should be the most current address as filed with the IRS. It is the address where the IRS Tax Return Transcript will be sent. If the address has recently changed, include the address listed on the latest tax return filed on Line 4. However, if an address change has been completed through the US Postal Service, the IRS may have the updated address on file.
- Line 5 provides tax filers with the option to have their IRS Tax Return Transcript mailed directly to a third party by the IRS.
- Institutions are responsible for notifying aid applicants whether to list the institution as the third party to receive the Transcript or not. Some institutions may have difficulty matching a parent’s incoming IRS Tax Return Transcript to the aid applicant, as the two names may be different.
- On line 6, enter “2011” to receive IRS tax information for the 2011 tax year that is required for the 2012-2013 FAFSA.
- The tax filers (or spouse if requesting information from a joint tax return) must sign and date the form and enter their telephone number. Only one signature is required to request a transcript for a joint return.
- Mail or fax the completed IRS Form 4506T-EZ to the appropriate address (or FAX number) provided on page 2 of Form 4506T-EZ.
- Tax filers can expect to receive their transcript within 5 to 10 days from the time the IRS receives and processes their signed request. NOTE: Processing form 4506T-EZ means verifying/validating the information provided on the form. If any information does not match the IRS records, the IRS will notify the tax filer that it was not able to provide the transcript.
What is Pell Lifetime Eligibility Used (LEU)?
In December 2011, President Obama signed into law the Consolidated Appropriations Act 2012 (Public Law 112-74). This law has significantly impacted the Federal Pell Grant Program. The new law reduces the duration of Federal Pell Grant eligibility to 12 semesters or 600% Lifetime Eligibility of Pell Grant. Beginning with the 2012-2013 school year, this change affects all students regardless of when or where they received their first Pell Grant.
Students who are affected will be notified by the Central Processing System (CPS), the system that processes your FAFSA. If you have used at least 450% of your Lifetime Eligibility Used (LEU), you will be notified via email. Check the email account you provided on your FAFSA.
How is the LEU calculated?
The LEU is calculated for each academic year, beginning with 1977-1978 and is based on the annual award. Each full-time semester equates to 50% of your total LEU which yields a maximum percentage of 600% for 12 semesters. Once you have used 600% of your Federal Pell eligibility, you are ineligible for further Pell Grant awards.
Sample annual calculations:
- If you received a full-time Pell award for both the fall and winter semesters, you have used 100% of your 600% lifetime eligibility.
- If you received a half-time award in the fall semester and a full-time award in the winter semester, you have used 75% of your lifetime eligibility.
- If you received a half-time award for both fall and winter semesters, you have used 50% of your lifetime eligibility.
How to track your Pell LEU percentage:
To track your Pell Grant history and your LEU percentage, visit NSLDS Student Access at NSLDS. This site is updated regularly with your Pell Grant awards as they are reported.
Can I appeal my Pell lifetime eligibility?
A student who believes there may be an inaccuracy in the underlying Pell Grant data that is part of the student’s Pell Grant LEU calculation may dispute that information by contacting his or her current school. In doing so, the student:
- Must have filed a FAFSA for the current award year so as to ensure that the current school can view the student’s Pell history on the Department’s COD Web site.
- Must provide all documentation requested by the current school in support of the student’s assertion that there is an inaccuracy in the Pell Grant data. This documentation must include a signed and dated statement from the student that provides:
- The name of the student’s current school to whom the student reported the alleged inaccurate data;
- The name of the school that reported the alleged inaccurate information;
- The award year and disputed amount and;
- The reason the student believes the Pell Grant data are inaccurate.
Note: If resolution of the disputed Pell Grant amount would not reduce the student’s LEU to be less than 600%, the school will not review the appeal. For example, if a student’s Pell Grant LEU is 850% and she is disputing one award year’s eligibility used of 100%, she would remain ineligible for additional Pell Grant funding because her adjusted Pell Grant LEU of 750% would still be over the 600% statutory limit.
- Read all directions carefully before completing any financial aid forms or applications.
- Always keep signed copies of tax returns or other income documentation used to complete the FAFSA.
- Make a personal file for financial aid. Keep copies of all application materials and related documents that you submit during the financial aid process.
- Read and respond to all mail sent to you regarding financial aid.
- Write your name and student number on all forms and documents you submit to the Office of Financial Aid to ensure they are placed in your file.