There are six sections of the Online Orientation. Within each section, there are several articles that you must read. These articles explain the financial aid process, your rights and responsibilities as a financial aid recipient, and time limits for receiving aid.
Please take some time to review the articles in the six sections. Once you have read them, and believe you understand the financial aid process, please take the Financial Aid Orientation Quiz.
Section #1: Paying for College
Section #2: Applying for Financial Aid
Section #4: Maintaining Financial Aid Eligibility
Once you decide to go to college, you have to figure out how to pay for it. The primary responsibility for paying for college lies with you and your family.
However, the government and many private institutions recognize that a college education is not only good for you but for society as a whole. These institutions have put aside considerable amounts of money to help you pay for school.
How Can I Pay for College?
When it comes to paying for college, you need to know your options. Don't make decisions without knowing how the process works! Otherwise, you may miss out on some help that could make your life easier.
There are many ways to pay for your college costs. Costs may include school fees, transportation, housing, and books. These are all a part of being a college student.
You can pay using your savings, help from family, earnings from working a full or part-time job, scholarships, or financial aid from the government.
After exhausting all these options, there are also loan programs to carefully consider.
Both the Federal government and State of California have put aside considerable financial aid to help people pay for a college education.
Pell Grants, for instance, can award you up to $4,050 a year. To determine what you might be eligible to receive, you must fill out the Free Application for Federal Student Aid, called the FAFSA application.
The most appealing type of support you might receive is a grant. Grants are a terrific way to pay for college because the money you receive does not need to be paid back.
However, the only way to determine if you can receive federal and state grants is to file the FAFSA. Contact us if you need help completing this application.
The State of California also awards Cal Grants to help cover college costs. To determine your eligibility, you must file the FAFSA and send a GPA Verification Form to the California Student Aid Commission.
California residents who meet certain eligibility requirements may have their enrollment fee waived entirely. The BOG Waiver can be a great help if you qualify.
Some students also consider part-time or full-time work, or "work-study" opportunities. The Job Placement Center can help you find employment on and off campus.
Student loans are also a possible option for covering your costs after you explore other options. Just remember that they must be paid back over time with interest.
Many students find it helpful to create an anticipated budget that estimates the likely costs of attending college.
By creating a budget that estimates your costs and your likely sources of income, such as family support, jobs, savings, scholarships, grants, and loans, you will be able to make the best decisions about paying for your education.
Also, you may benefit from meeting with a school counselor to develop a Student Education Plan.
Finally, remember that if you are unsure about anything, it never hurts to ask questions. Nothing beats making "informed" decisions about money.
Eligibility for Financial Aid
In order to be eligible for federal financial aid, you must satisfy the following requirements:
Eligible Non-Citizens include: US Permanent Residents with an Alien Registration Receipt Card (I-551) or Conditional Permanent Residents (I-551C) or those with an Arrival-Departure Record (I-94) showing the designations of Refugee, Asylum Granted, Parole or Cuban-Haitian Entrant.
Should I Apply?
If you satisfy the eligibility requirements, you should complete the Free Application for Federal Student Aid (FAFSA). Once you apply, the federal processor will calculate what is known as your expected family contribution (EFC). This is an estimate of what you and your family can afford to pay toward your college education.
Your financial "need" is the difference between the cost of attendance and the EFC. The cost of attendance is an average cost to attend Sacramento City College for 9-months.
You are encouraged to complete a FAFSA even if you think your parents earn too much money for you to qualify for financial aid. You will never know whether you can receive support unless you apply.
To apply for financial aid, you need to think about 5 letters: F-A-F-S-A. These letters stand for the Free Application for Federal Student Aid. Completing this application is the key to unlocking many sources of financial support.
How To Apply
To apply for both federal and state aid, you need to file the Free Application for Federal Student Aid (FAFSA). You must apply or renew your FAFSA every school year you plan to attend.
The FAFSA is the key to unlocking possible funds, such as the Pell Grant or Cal Grant, for your fees, books, supplies, and other educational expenses.
You can file a FAFSA in either one of the following ways:
Be sure to keep a copy of the FAFSA for your records.
2005-2006 SCC Financial Aid Applicant Requirements
Do not delay your financial aid process. Your responsibilities include these requirements:
1. USE THE SAME PROPER FULL NAME SHOWN ON YOUR SOCIAL SECURITY CARD: My proper full name AND date of birth must match on ALL the following: FAFSA application, Financial Aid records, Admissions records, Social Security Administration records, State Driver License/ID, Immigration and Citizen documents.
2. MAILING ADDRESS. I must keep my mailing address current with both Admissions and the Financial Aid Office. The Admissions Office mailing address is used to send out financial aid checks. If I have not received my check after the 10th business day, I need to go to the Financial Aid Office and ask for a Stop Payment Request.
3. ELIGIBLE EDUCATIONAL GOAL: I must declare an eligible EDUCATIONAL GOAL with the Admissions Office to establish financial aid eligibility. New students must declare their educational goal on the Admissions application. Continuing students need to update their educational goal every semester on the Supplemental Enrollment form. The courses I enroll in must be required and applicable towards an eligible degree, certificate or transfer objective.
4. EARNED HIGH SCHOOL DIPLOMA/EQUIVALENT OR PASSED AN ABILTIY TO BENEFIT TEST: I must have earned a high school diploma, or GED/Equivalent or receive a passing score on the Ability to Benefit Test (ATB) to meet financial aid eligibility. In addition, I must be 18 or older to take the ATB test. Contact SCC Assessment Center at (916) 558-2540 for the ATB testing schedule. I cannot receive financial aid if I am concurrently enrolled as a high school student.
5. ACADEMIC TRANSCRIPTS: If I choose to apply any units from a previously attended institution towards my current educational objective, it is my responsibility to request official transcript(s) to be sent DIRECTLY TO the SCC Admissions and Records Office. Units accepted by Admissions and Records will be used towards my grade level and the requirement described in item #7.
6. SATISFACTORY ACADEMIC PROGRESS (SAP): I must maintain the SCC Financial Aid Satisfactory Academic Progress Policy to receive financial aid. This calculation may differ from the calculation indicated on the SCC academic transcript. I should meet with a Sacramento City College Counselor once a semester to develop or review my Education Plan. (SAP policy is available at the Financial Aid Office.)
7. PETITIONS ARE REQUIRED: If I have completed an AA/AS, BA/BS degree or higher, 2-year certificate program, 90 units attempted, or if I met the 150 percent maximum time-frame for a less than 2-year certificate program (For example: A 30 Unit Certificate Program's 150 percent Maximum Time-Frame is 45 Units Attempted.), I must submit a Financial Aid Petition form to explain what remaining coursework is required at SCC. The petition must be submitted with an SCC counselor approved Educational Course Planner. Contact the Counseling Office at (916) 558-2204.
8. MID-YEAR TRANSFER: If I plan to transfer to another college mid-year, I must inform the SCC Financial Aid Office in writing or submit a Decline Form canceling all future remaining aid.
9. TRANFERRING MID-YEAR FROM ANOTHER COLLEGE: If I am transferring from another college to SCC during the same school year, I must cancel my remaining financial aid at my prior college. According to the Federal and/or State regulations, I cannot receive Federal Title IV and/or State Title V funds(s) from two colleges during the same period of enrollment or overlapping terms with same academic year. Failure to cancel my award at a prior college will delay my financial aid process with SCC. Please contact the Financial Aid Office for further instructions.
10. REPAYMENT: I must repay any funding that is over awarded. Withdrawing from school, receiving aid from another school for the same academic period, or reporting inaccurate FAFSA information may result in a repayment. SCC does not have the authority to waive or write off your repayment requirement regardless of the reason for the withdrawal, including extenuating circumstances such as illness, accident or grievous personal loss.
11. SHORT-TERM COURSE ENROLLMENT: If I enroll in course(s) of less than 18 weeks (example: 9 or 6 week sessions), the course(s) units will not be counted in the determination of my financial aid eligibility until the short-term course(s) are in session. It is my responsibility to notify the Financial Aid Office once the short-term course(s) are in session for further consideration of financial aid eligibility.
12. PE / REMEDIAL LIMIT: SCC allows 4 PE units towards financial aid eligibility. According to the Federal guidelines, a student may receive financial aid for up to 30 units of remedial coursework.
13. COPIES, DOCUMENT DEADLINES, SIGNATURES: I should maintain my own personal photocopies of all financial aid documents. Documents I submit will not be returned and become the property of the Financial Aid Office. I must submit all required documents to the Financial Aid Office by the last day of my enrollment to be considered for financial aid eligibility. By signing the forms and agreements, I certify that I understand the forms and information I am providing.
14. VERIFICATION PROCESS: The Department of Education or the SCC Financial Aid Office may select my application for a process called "Verification." This selection may take place any time during the school year, even after I begin to receive financial assistance. This Federal requirement requires the Financial Aid Office to verify income and application information. All further aid will be discontinued until all requested documents are submitted and the process is completed. This process will need my patience and cooperation.
15. FRAUD: If I purposely give false or misleading information, I may be fined $20,000, sent to prison, or both.
16. How Long Will it Take To Process My Financial Aid: That depends when you filed your FAFSA and how quickly you respond to our request for documents. Documents are posted and reviewed in date order, so the sooner I submit my documents the sooner the Financial Aid Office will be able to process and review my file. It's not possible to give an exact date because each situation is different and the large volume of applications in review-approximately 16,000 each year.
How Are Awards Determined?
After you have filed your FAFSA and submitted requested documents, your file is reviewed to determine your eligibility. You will be sent a detailed Award Notification Letter informing of this eligibility. Your eligibility is determined using the federal needs analysis calculation known as federal methodology. The following explains the important items involved in determining your financial need and award.
Expected Family Contribution
You and your family may be expected to contribute toward your education from your own resources such as employment and assets. This amount is called your Expected Family Contribution (EFC).
Financial Need
Your financial need is determined by subtracting your EFC from your Budget. We will offer financial aid awards to try to meet your financial need based on program requirements and available funds. We do not automatically award student loans. Students may apply for a loan by completing the loan counseling procedure at the college and completing a loan request.
Some students with unusual circumstances that affect financial aid eligibility, such as changes in income or loss of employment, should contact the Financial Aid Office.
Budget
The Student Budget represents an average cost to attend the college over a 9-month period. The figures are determined by using state and national surveys, in addition to local area costs. The budgets are established every school year and may change. Contact the college for actual figures.
Check Disbursement
Your award letter and disbursement is based on full-time enrollment of 12 units or more; the amount of aid that you will receive is related to the number of units you are enrolled in and attending. There are two regularly scheduled disbursements each semester for students who are enrolled in and attending full-time and ¾ time coursework. Students enrolled in less than 9 units will not receive the second disbursement. The first disbursement is mailed on the Friday of the first week of instruction. Details of subsequent disbursements will be sent with your Award Notification Letter. Loan disbursement checks are released to you on campus. Make sure your mailing address is up-to-date with Admissions and Records and the Financial Aid Office. Enrollment in later starting sessions, for example second nine week classes, are not counted until you begin to attend the class. Make sure you consider this when registering for classes. This is general information about the disbursement process; however each student represents a unique situation, which may alter this general definition.
Cal Grant B and C
These checks are disbursed twice each semester, beginning after the college receives funds from the California Student Aid Commission.
Federal Work-Study (FWS)
Some students may receive an FWS award. This will be detailed in your Award Letter along with instructions on how to obtain a job. Very few positions are available, so apply early to improve your chances of receiving this award. FWS payroll checks are disbursed on the campus.
What Does It Mean to be an Independent Student?
To be classified as "independent" for federal and state financial aid purposes, you must be 24 years of age as of Jan. 1 of the start of the academic year for which you are applying; or you are married; or you are a veteran of the US Armed Forces; or you have dependents; or you are a ward of the court. Students with adverse home situations should contact the Financial Aid Office.
How Can I Get More Information?
Many resources are available to help you learn about financial aid. Applications and publications are available at the campus Financial Aid Office. In addition, the Internet is a great way to get more information.
Here are some useful Financial Aid Phone Numbers and Websites:
* US Department of Education: FAFSA on the Web, Apply for Financial Aid
Website: www.fafsa.ed.gov
* US Department of Education: Application Process and Application Status
Call: 1-800-4 FED AID or 1-800-433-3243, For TTY 1-800-730-8913
* US Department of Education: PIN Registration.
Call: 1-800-801-0576 Website: www.pin.ed.gov
* US Selective Service Registration
Call: 1-847-688-6888 Website: www.sss.gov
* US Department of Education: Financial aid information on the Internet.
Website: www.studentaid.ed.gov
* CA Student Aid Commission: Information and assistance about Cal Grants.
Website: www.csac.ca.gov
E-mail: custsvcs@csac.ca.gov
Call: 1-888-CA-GRANT or 1-888-224-7268
Federal Aid
After you apply for the FAFSA, the federal processor will notify you and the college of the preliminary outcome. The college continues the process and will contact you if you need to submit any additional documentation. When this process is complete you will receive an Award Notification Letter detailing your eligibility for federal and state financial aid. Here are descriptions of the major types of financial aid you may qualify for:
Federal Pell Grant
Pell Grants provide financial assistance to eligible part-time and full-time students based on your EFC. Awards range from $400 to $4,050. Taking full-time coursework of 12 units or more will maximize your Pell eligibility.
Federal Supplemental Educational Opportunity Grant (FSEOG)
The Federal Supplemental Educational Opportunity Grant is a limited grant fund for students who meet the eligibility criteria of exceptional need. Pell Grant recipients are given priority.
Federal Subsidized Student Loans
The Federal Subsidized Student Loan is a need-based student loan program designed to assist students with their educational expenses during a period of enrollment in an eligible program of study. This student loan is insured by the federal government and guaranteed by the California Student Aid Commission (CSAC).
The subsidized student loan is available to students based on their remaining need and student loan request. The interest is subsidized or paid by the government for the student while the student is enrolled in at least a minimum half-time status. The interest is also paid for the student six months after their completion date or their last date of attendance. To apply for a student loan, you must complete the FAFSA process and attend a SCC Loan Entrance Counseling and Debt Management Workshop, every time you borrow. Your loan responsibilities and loan application process will be discussed at this workshop.
Federal Unsubsidized Stafford Student Loans
Your eligibility for subsidized student loans will be reviewed first. The unsubsidized student loan can be need-based or non-need based. Another important difference is you are responsible to pay the interest on this loan while you are in school. You can pay the interest during school or have it added to your loan amount by capitalization. To apply for a student loan, you must complete the FAFSA process and attend a SCC Loan Entrance Counseling and Debt Management Workshop, every time you borrow. Your loan responsibilities and loan application process will be discussed at this workshop.
Federal Work-Study (FWS)
Federal Work-Study is a program that provides jobs for students who demonstrate financial need. Eligible students are placed into work-study jobs, usually on campus.
State Aid
Cal Grants are state-funded cash grants given to California college students to help pay for college expenses. The awards do not have to be paid back.
To be eligible, in addition to meeting federal aid requirements, a student must:
1. Be a California resident, and
2. Not have a bachelor's or professional degree, and
3. File a completed FAFSA and Cal Grant GPA Verification Form by March 2. All students should try to meet the March 2 deadline, but for California Community College students there is a second filing deadline of September 2, and
4. Not owe a refund on any state or federal grant or be in default on any student loan.
5. Have remaining financial need at your college.
Cal Grant B
This is for students from disadvantaged or low-income families who otherwise would not be able to pursue a higher education. For most first-year recipients, the award helps with living expenses, books, supplies, and transportation, but not tuition and fees. If renewed after the first year, a Cal B can be used for tuition and fees.
Cal Grant B Entitlement Award: Every graduating high school senior who has a grade point average of at least 2.0, meets the Cal Grant financial and eligibility requirements, and applies on time, is guaranteed this award.
Cal Grant B Competitive Award: Other students who meet the basic Cal Grant eligibility requirements and who have at least a 2.0 grade point average may compete for this award. (Selection is based on a composite score that takes into account a variety of factors such as family income, parents' educational level, etc.).
Cal Grant C
Helps vocationally oriented students acquire marketable job skills. Full or half-time training must lead to a recognized occupational goal: diploma, associate degree or certificate. Cal Grant financial need criteria must also be met.
California Community College Transfer Entitlement Award
This is either a Cal Grant A or B. High school seniors who graduated after June 30, 2000, attend a California community college and then transfer to a 4-year school may be eligible for this award. Eligible students must have at least a 2.4 grade point average, meet the Cal Grant financial and eligibility requirements, and be under 24 years of age as of December 31 of the award year.
Cal Grant A
This grant is for students from low and middle income families. The grant assists with tuition and fees at a four-year college or university. If you are awarded a Cal Grant A, you will have your award placed on reserve for up to three years until you transfer. The award is renewable.
There are two types of Cal Grant A: an Entitlement and a Competitive award.
Entitlement Award: Every graduating high school senior who has a grade point average of at least 3.0, meets the Cal Grant financial and eligibility requirements, and applies on time, is guaranteed this award.
Competitive Award: Other students who meet the basic Cal Grant eligibility requirements and who have at least a 3.0 grade point average may compete for this award. (Selection is based on a composite score that takes into account a variety of factors such as family income, parents' educational level, etc.).
BOG Fee Waiver
Students attending California Community Colleges pay an enrollment fee for classes, but don't let this stop you from attending college. The great news for California residents is you may be eligible for a Board of Governors Fee Waiver (BOG), which waives the fee for eligible students. Keep reading...there are many ways to qualify and the process is easy.
Eligibility:
If you are a California resident, you will qualify for a BOG if one of the following statements describes your current status:
1. You have already completed the Free Application for Federal Student Aid (FAFSA) and have been determined by the college to have financial need.
2. You or your family are receiving Temporary Assistance to Needy Families (TANF/CALWORKS, formerly AFDC), or SSI (Supplemental Security Income), or State Supplemental Program (SSP), or General Assistance. You need to complete a BOG Waiver application and bring proof of your public assistance.
3. You have certification from the California Department of Veterans Affairs or the California National Guard Adjutant General that you are eligible for a dependent's fee waiver (You must file the BOG application), or
4. You meet the income requirements listed below*. You need to complete the BOG Waiver application. Copies can be obtained in the Financial Aid Office.
If you qualify for a BOG Waiver, not only will you not pay for the enrollment fee, but it waives the Universal Transit Pass Fee and reduces your parking fee.
Family Size | 2004 Income |
|---|---|
1 |
$13,965 |
2 |
$18,735 |
3 |
$23,505 |
4 |
$28,275 |
5 |
$33,045 |
6 |
$37,815 |
7 |
$42,585 |
8 |
$47,355 |
Each Additional Family Member $ 4,770
The income standards chart is adjusted each year.
In order to receive financial aid at Sacramento City College, students must fulfill certain responsibilities and obligations.
These articles explain the various requirements financial aid recipients at Sacramento City College must satisfy in order to continue to receive aid.
Accurate Name and Social Security Number (SSN)
Use the same proper full name shown on your Social Security Card when completing the FAFSA. Also, make sure you report your accurate SSN. Your name and SSN must match several database edits, including Immigration, Social Security Administration, and Selective Service. Use this name and SSN when applying for admission to the college and registering for classes. Inaccurate information may result in lengthy delays.
Declare An Educational Goal
Although you may attend the college without declaring a major or degree objective, you may not receive financial aid unless you declare an educational goal. You would do this when you complete the application for Admission or at the time you register for classes.
High School Diploma or Equivalent
Students must have a high school diploma or equivalent to receive financial aid or pass an "Ability to Benefit" test. Students must be 18 years or older to take the Ability to Benefit test.
Satisfactory Academic Progress
All students must be making Financial Aid Satisfactory Academic Progress to continue to receive financial aid. This policy will be sent with every Award Letter.
One of the requirements to receive federal and state student financial aid is the student must maintain Financial Aid Satisfactory Academic Progress (SAP) toward an eligible degree, certificate, or transfer program.
The student's entire academic history will be evaluated for SAP at least once a school year even if the student was not a prior financial aid recipient. If determined to be on financial aid academic probation, the student's progress will be reviewed each semester.
A student's SAP is measured by standards that include a minimum cumulative grade point average (GPA), a progress percentage calculation that determines the cumulative successful completion of units attempted, and a maximum time frame in which a student is expected to finish their declared program.
Grade Point Average:
Students must maintain a cumulative (overall) 2.0 GPA or better.
Progress Percentage:
Students must maintain a total cumulative 75 percent successful completion of all units attempted at the college. Non-successful grades include "F, W, I, NC, Unreported Grades, and Approved Leave Units after the first two." For example, a student has 12 total units attempted and successfully completes 9 units, the student has maintained the minimum 75 percent progress percentage to receive financial aid.
Maximum Time Frame:
Students are expected to finish their declared educational goal within a 150 percent maximum time frame. For instance, a degree or transfer program requires 60 units for completion. A student is allowed a 150 percent maximum time frame of 90 total attempted units to finish this program.
Loan Default or Grant Overpayment
A loan default or owing a grant overpayment must be resolved to receive financial aid.
If a student receives federal student aid funds and withdraws from all their classes or does not complete any of their classes successfully, they could OWE money back to the U.S. Department of Education. This includes money you received in grants.
The Financial Aid Office is required to calculate the amount of federal aid a student has earned according to the day the student withdrew or the last day of reported school activity for the semester.
If the calculation results in the student earning 60 percent or more of their financial aid funds, no repayment will be required.
If the results determine the student withdrew before 60 percent of the semester, the student will be billed for a portion of the financial aid funds received. The student will be given 45 days to repay the funds in full or make payment arrangements with the Department of Education. Students must first contact the Financial Aid Office for assistance with payment arrangements.
If you are thinking of withdrawing, please work with the Financial Aid Office. Learn how much you could owe back or how you can continue your financial aid eligibility while making payments. Most importantly, find out how to stay in school and not owe a repayment.
Enroll in Classes
Enroll in classes at your earliest opportunity. You can't get financial aid unless you are registered for classes. Six units or more for most programs and fulltime of twelve units or more may get you additional money for school. A few students may qualify for Pell Grant with less than 6-units.
Rights and Responsibilities
As a student you have the right to know:
There are a tremendous number of resources available if you take the time to seek them out.
Here are some programs - some government sponsored, some privately funded - that can help you pay for school.
Scholarships
SCC scholarships are generally awarded on the basis of academic achievement, community service, and may be financial need based or non-need based. A special application is required for scholarships. For more information, contact the Sacramento City College Scholarship office at (916) 558-2197 or visit the SCC website.
Some additional online scholarship search engines students might consider include:
FastWeb www.fastweb.com
ScholarSite.com www.scholarsite.com
Scholarships.com www.scholarships.com
SRN Express www.srnexpress.com
Gates Millennium Scholarship www.gmsp.org
Governor's Scholarships www.scholarshare.com
Hispanic Scholarship Fund www.hsf.net
Military Scholarships www.myfuture.com
Peterson's College Quest www.collegequest.com
United Negro College Fund www.uncf.org
Fast Aid Scholarship Search www.fastaid.com
Financial Aid for Health Professions www.bhpr.hrsa.gov
UCLA Scholarship Resource Center www.college.ucla.edu/up/src/ss.htm
Scholarship Search Engine www.edupass.org/finaid
College Board www.collegeboard.com/pay
CollegeNet's Database www.collegenet.com
Wired Scholar Scholarships www.wiredscholar.com/paying
Thurgood Marshall Scholarship Fund www.thurgoodmarshallfund.org
Presidential Freedom www.nationalservice.org/scholarships
International Students Scholarships www.iefa.org
Important Note
Be aware of scholarship scams that ask you to pay for financial aid and scholarship information. Financial aid information is Free. Before you pay for information, contact the Financial Aid Office or go to the Federal Trade Commissions website, Scholarship Scams at www.ftc.gov/scholarshipscams.
Chafee Grant for Foster Youth
The Chafee Grant Program gives up to $5,000 annually of free money to foster youth and former foster youth to use for college expenses. The application process is easy. Just contact www.chafee.csac.ca.gov or call 1-888-224-7268, option #3 or contact the SCC Financial Aid Office.
EOPS
CC EOPS is a student support program for educationally and economically disadvantaged students. It is designed to provide opportunities in higher education for students with academic potential that, historically, would not have attended college. EOPS also has a Cooperative Agencies Resources for Education (CARE) program. It is designed to assist EOPS students who are single head of household, have at least one child 13 years old or younger, currently receiving CalWORKS/TANF benefits, and will pursue an educational program which leads to a certificate, degree or transfer objective. Contact EOPS at (916) 558-2403 or the SCC website.
CalWORKs
CalWORKs (California Work Opportunities and Responsibility to Kids) is a state funded Welfare-to-Work Program designed to help individuals on public assistance become self-sufficient. SCC's CalWORKs Program is working together with other community agencies and on-campus programs to provide comprehensive services that promote self-sufficiency and lifelong learning. The program includes education, training and support services, as well as employment opportunities related to the individual goal of each participant. Any one receiving TANF is eligible for services, call (916) 558-2307 for more information.
IRS Tax Benefits
In order to make the first two years of college accessible to all students, taxpayers can take advantage of the Hope Scholarship tax credit in the amount of up to $1,500. The credit is available on a per-student basis for the net tuition and fees (less grant aid) paid for college enrollment.
The Lifetime Learning Credit is available for college juniors, seniors, graduate students, and working Americans who are pursuing learning to upgrade skills. The credit is also available for students who have already completed the first two years of general education at a community college, and who are attending more than part-time to improve or upgrade job skills.
Support for Native Americans
Members or close descendants of a federally recognized American Indian tribe or Nation may be eligible for grants to help pay for school. To learn more, contact the Office of Indian Education Programs at (916) 978-6058 or go to www.oiep.bia.edu.
U.S. Military
All branches of the U.S. Armed Forces offer a variety of support for college. To learn more, visit the local recruiting office or call toll free (800) USA NAVY, (800) USA ARMY, (800) MARINES or (800) 522-0033, ext. 2091, for the Air Force.
Employers
Some employers will pay for part or all of your college expenses in exchange for a commitment to continue working there while you go to school or return after you are finished. Ask your employer.
As you figure out how to pay for college, remember that you are not alone, and that you are not the first student to deal with this challenge. It may seem daunting at first, but as you learn more about your options, the process will become clearer.
Check out these tips and helpful hints that have been compiled by students who have already successfully navigated the process.
Financial Aid Tips
Gather parent information, if you are a dependent student.
1. Social Security Card
2. CA ID or Driver License
3. Copy of your Federal Income Tax Return, parents and spouse, if applicable.
4. Verification of the Family's Untaxed Income.
5. Verification of Veteran's Educational Benefits, if applicable.
Financial Aid Terms
Award Notification Letter: A letter notifying financial aid applicants of the types and amounts of aid offered, as well as the responsibilities and conditions of each award. The letter will include the method of payment and dates of payment.
BOG Fee Waiver: California residents who meet certain eligibility requirements may be eligible to have their entire enrollment fees waived by the Board of Governors (BOG) Fee Waiver. All California residents should apply for this waiver. The BOG Waiver is not based on academic performance.
Cal Grants: Cal Grants are state-funded cash grants given to California college students to help pay for college expenses. Cal Grants are the largest source of free money funded by California. The awards do not have to be paid back.
Cost of Attendance (COA): The total cost of college for the school year, also called student budget; includes tuition, fees, books, supplies, transportation, food, housing, and personal expenses.
Default Loan: Failure to make loan payments or otherwise honor a loan's terms; reported to credit bureaus and can influence future credit and ability to receive financial aid.
Dependent Student: A student under 24 years old as of January 1, who doesn't qualify as an independent student by federal guidelines is a dependent student. Dependent students are required to include parental income and asset information on the FAFSA, which is used to calculate the expected family contribution.
Eligible Non-citizen: An Eligible non-citizen is one of the following: a U.S. permanent resident who has an Alien Registration Receipt Card (I-551 or I-151), a conditional permanent resident (I-551C) or a non-citizen with a Departure record (I-94) from the U.S. Bureau of Citizenship and Immigration Services with one of the following designations: "Refugee", "Asylum Granted", "Indefinite Parole", "Humanitarian Parole" or "Cuban-Haitian Entrant". Other eligible non-citizens include U.S. nationals who are natives of American Samoa and Swain's Island. Contact the Financial Aid Office for further explanation and assistance.
Expected Family Contribution (EFC): This is an estimate of what a student and his/her family can afford to pay for the student's college education. A federally approved formula is used to calculate EFC.
Eligible Program: Students must be enrolled in an eligible program as defined by federal regulation to receive financial aid. Most programs at SCC are eligible, but a few certificate programs are not. Contact the Financial Aid Office for specifics.
Financial Aid Need: The difference between your expected family contribution (EFC) and the cost of attendance (COA) equals your need.
Free Application for Federal Student Aid (FAFSA): The FAFSA is the official financial aid application used to determine federal and state aid. There is no charge to have your FAFSA process...it's free.
FAFSA on the Web: The electronic FAFSA on the Internet that allows you to complete and file the application online at www.fafsa.ed.gov. It's faster and easier.
Federal Family Education Loan (FFEL) Program: Consists of the federal Stafford Subsidized and Unsubsidized student loans, which provide low interest loans to qualified students who are enrolled at least half-time.
Federal Work-Study (FWS): This program provides employment opportunities to students who have financial need and want to pay a part of their educational expenses through work. Community service work opportunities are also available through the Federal Work-Study Program.
Grant: A grant is a form of financial aid that does not have to be paid back. It is the best type of aid you can receive. Apply as early as possible since some grant funds are limited.
Independent Student: A student who is 24 years old or older, or who is not 24 but is an orphan; a ward of the court; a veteran; married; or has legal dependents other than a spouse; or has unusual circumstances which must be explained to the Financial Aid Office.
Loan: A loan is a form of financial aid that must be re-paid with interest over a period of years.
Renewal FAFSA: This application simplifies the process of reapplying for financial aid. Some information from the previous application is preprinted on the Renewal FAFSA making the application process faster.
Residency: This is a determination of a student's status as a California Resident or an out of state student, or a foreign student. This determination is made by the Admissions Office and will affect which financial aid programs a student may be eligible to apply for.
Return of Title IV Funds: If a student receives federal student aid funds, including grants, and withdraws from all classes or does not successfully complete any of their classes; they could owe money back to the federal government. Contact the Financial Aid Office before withdrawing from classes.
Satisfactory Academic Progress (SAP): To be eligible to receive federal and state financial aid at Sacramento City College, a student must be progressing adequately toward completion of an approved educational program.
Scholarships: There are numerous local and national scholarship opportunities available in the form of free money.
Selective Service Registration: By law, certain students are required to register, or arrange to register, with the Selective Service in order to receive federal student aid. This includes males born on or after January 1, 1960, who are at least 18 years old, citizen or noncitizen, and not currently on active duty in the Armed Forces
Student Aid Report (SAR): The report summarizing the information you provided on your FAFSA. The Financial Aid Office will receive this same information electronically and begin the process to determine your eligibility.
Verification: A federal process in which the college checks the accuracy of the information you submitted on the FAFSA. Documents may be requested, such as tax returns. Quick response to any request for documentation will help expedite the process.
Advice from Alumni
Tip # 10: YOUR EMPLOYER. When it comes to paying for College, do not forget about your employer or even the U.S. Military as a possible source of help. Often, employers will pay for your education if you intend to stay with the company. It does not hurt to ask around at your place of work.
Tip # 9: KNOW YOUR OPTIONS. If you do not qualify for aid under FAFSA, you should still consider your parents, scholarships and possibly a part-time job to help cover your costs.
Tip # 8: COMPLETE THE FAFSA EARLY. It will make your life a lot easier because you will get the process moving and have a better sense of how much help you can get.
Tip # 7: BE WARY OF DEBT. Only borrow as much as you need. If you need to take out loans, be prudent. Don't take on debts that you may regret later.
Tip # 6: KEEP COPIES of everything you file. You should also keep a record of the date you file forms like the FAFSA so that you can reference it in the event things get delayed or misdirected.
Tip # 5: LIMIT YOUR LATTES. If you are going to drink coffee everyday before classes, buy a coffee maker. You can easily spend over $1,000 a year at coffee shops if you buy coffee every day. Instead, save some money by buying a coffee maker and making your own.
Tip # 4: READ THE FINE PRINT on credit cards. Know what fees and penalties can be assessed. If you have a credit card, be on the lookout for one with a lower interest rate that won't charge you a fee for transferring your current balance to it.
Tip # 3: PAY YOUR BILLS ON TIME to maintain a solid credit rating. A bad credit rating can hurt you when applying for an apartment or a loan.
Tip # 2: DEVELOP AN EDUCATION PLAN AND BUDGET. List your expected monthly expenses and your income. Are you bringing in more money than you are spending? If not, find ways to cut back.
Tip # 1: CUT UP THOSE EXTRA CREDIT CARDS! They will only bury you in debt. Resist the temptation to spend money you do not have.
December
Learn about the Financial Aid application process. Get a FAFSA application or go on the web at www.fafsa.ed.gov to become familiar with the application process. DO NOT SUBMIT THE FAFSA UNTIL JANUARY 1.
January 1
Begins the processing cycle for the next school year's FAFSA. Apply as early as you can.
March 2
The FAFSA priority filing date for all new and continuing students. Apply early for best results.
March 2
Deadline for the California Student Aid Commission (CSAC) to receive your completed Grade Point Average (GPA) Verification Form and to apply for Cal Grants.
September 2
For California Community College students only, this is a second Cal Grant opportunity. CSAC must receive your completed GPA Verification Form, and you must have filed the FAFSA.
OFFICE LOCATION & CONTACT INFORMATION
Location:
Rodda North 167
3835 Freeport Blvd.
Sacramento , CA 95822
Phone: (916) 558-2501
Website: www.scc.losrios.edu
Office Hours:
Monday - Thursday: 7:30 am - 8:00 pm
Friday: 7:30 am - 5:00 pm
The College is open on some Saturdays and office hours are subject to change. Contact the Financial Aid Office for updated schedules.
COLLEGE MISSION
Our Core Values
Working Together · Pursuing Excellence · Inspiring Achievement
Our Mission
Sacramento City College is an open-access, comprehensive community college, serving a diverse student population. We provide a wide range of educational opportunities and support services leading to transfer, career advancement, basic skills development, and personal enrichment. Through these efforts, we contribute to the intellectual, cultural, and economic vitality of the community.
Non-Discrimination Policy
Los Rios Community Colleges - in compliance with Title VI and VII of the Civil Rights Act of 1964, Title IX of the 1972 Education Amendment and Section 504 of the 1973 Rehabilitation Act - does not discriminate on the basis of race, creed, color, national origin, sex, age, mental or physical handicaps in any of its policies, programs or activities, including admission, employment, financial aid and educational services.