Types of Financial Aid

Student at PCCC Library

Federal Programs

Grants are forms of aid that do not have to be repaid. They are awarded to students who show financial need on the Free Application for Federal Student Aid. The grants listed here are administered by the PCCC Financial Aid Office based on the guidelines set for each program by its provider.

  • Federal Pell Grant - A need-based federal grant program for undergraduate students who are seeking their first degree in an eligible program and whose Estimated Family Contribution (EFC) is below a certain level. See Basic Eligibility Requirements for additional details. The annual award amount is determined by your EFC and may range from $400 to $4,731. Your Federal Pell Grant Award will be prorated if you enroll for less than 12 semester hours each term or if you are enrolled in an eligible vocational program.
  • Academic Competitiveness Grant (ACG) - This Federal Student Aid grant is for undergraduate students.  It is based on whether a student took a rigorous program of secondary school study. A student who self certifies taking a rigorous high school program, is a US Citizen, full time and Pell eligible may qualify $750 their first year and $1,300 their second year. The school will determine whether a student meets ALL requirements of eligibility prior to disbursement of aid.
  • Federal Supplemental Educational Opportunity Grant (FSEOG) - A need-based federal grant program awarded to undergraduates seeking a degree in an eligible program who have exceptional financial need. See Basic Eligibility Requirements for additional details. The award amount at PCCC varies with enrollment status. Priority is given to students with a family contribution of $0, who apply for financial aid before August 1 for fall term and January 1 for spring term.
  • Federal College Work Study Program - This is a federal work program for students with financial need. See Basic Eligibility Requirements for additional details. You may work at a job on one of our campuses, doing service work in the community, or as a reading tutor in the America Reads program. As a work-study employee, you may work up to 20 hours per week and earn $6.15 per hour, up to the amount of your financial need.
  • Federal Loans - PCCC students are eligible to participate in the Federal Family Education Loan Programs. See Basic Eligibility Requirements for additional details. An initial student loan application and promissory note is required. If you are a previous year borrower, you may use the existing promissory note but will need to request additional loan funds. You can stop by the financial aid office to discuss your options. First time borrowers must complete an Entrance Counseling Program. Federal Family Education Loans are established and supported by the federal government, but a participating commercial lender, such as a bank or credit union, makes the loan itself. ALL FEDERAL FAMILY EDUCATION LOANS MUST BE REPAID.
  • Subsidized Federal Stafford Loan - This loan requires unmet financial need. The federal government will pay the interest while you are enrolled in school, and you must repay the loan plus a variable interest beginning 6 months after you leave school or drop to less than half-time status. You must meet all Basic Eligibility Requirements and be enrolled in at least six credits per term. Students with less than 24 credits at the time of application may borrow up to $3,500 per year or the amount of unmet financial need, whichever is less. Students with more than 24 credits at the time of application may borrow up to $4,500 per year or the amount of unmet financial need, whichever is less. Because an outside lender must approve the loan, please allow a minimum of four to six weeks for loan approval and disbursement.
  • Unsubsidized Federal Stafford Loan - This loan does NOT require financial need, however you must first establish eligibility for need-based financial aid by completing all necessary applications. Interest will accrue at a variable rate on this loan while you are in school. You must repay the loan, accrued interest and current interest beginning six months after you leave school or drop to less than half-time status. You must meet all Basic Eligibility Requirements and be enrolled in at least six credits per term. Dependent students with less than 24 credits at the time of application may borrow an additional $2,000 per year in unsubsidized loans but cannot exceed the cost of education less other financial aid. Independent students may borrow an additional $6,000 per year but cannot exceed the cost of education less other financial aid.
  • Parent Loan for Undergraduate Dependent Students - Parents of dependent students may borrow on behalf of their children. Income is not a factor, but the borrower cannot have adverse credit. See Basic Eligibility Requirements for additional details. Loan amounts must not exceed the cost of education less other financial aid. Parent loans must be repaid over a 10-year period with variable interest rates beginning 60 days after disbursement.

PLEASE NOTE: The financial aid office will not certify for more than your tuition and fee charges. If you wish to borrow more, you MUST request the additional funds in writing to the financial aid office.

 

State Programs

  • Tuition Aid Grant (TAG). The Tuition Aid Grant provides financial assistance to full-time college students who have been residents of New Jersey for 12 consecutive months prior to enrollment. Returning students must file by June 1. There is a part time pilot program in New Jersey for community college students. This allows for a pro-rated award 6-8 credits or 9-11 credits. Remember, State funds are awarded on current credit load at the time of authorization.
  • Educational Opportunity Fund Program (EOF). The Educational Opportunity Fund (EOF), instituted and sponsored by the state of New Jersey, is an academic support program designed to provide equal opportunity for students who show potential but who need additional support services and financial aid. Students are selected based on documented financial need and potential for success. Students who are accepted into the Educational Opportunity Fund Program must attend full-time, be pursuing a degree, be residents of the state of New Jersey. To be considered for funds, returning students must file by June 1. for at least one year, meet all program requirements, and be citizens or permanent residents of the United States.
  • Garden State Scholars Program. Based on academic achievement, this program provides assistance to full-time students. Applicants must be residents of New Jersey for 12 consecutive months prior to application.
  • New Jersey Stars - Starting with the Class of 2004, New Jersey high school students who graduate in the top 20% of their class will be eligible to receive free tuition at Passaic County Community College.

Scholarships

Passaic County Community College and the College Foundation offer a number of academic scholarship opportunities. You may request applications from the Associate Dean of Students Office. There are also need-based scholarships available from the Foundation. Requests for these must be made in the Financial Aid Office.  For a list of all PCCC and PCCC Foundation Scholarships, click here.

Associate Dean of Students Office
Paterson Campus – Academic Hall  (Room202A)
973-684-6309

Financial Aid Office
Paterson Campus – Academic Hall (Room 143)
973-684-6100


Veterans Affairs

If you are a veteran, dependent of a deceased or disabled veteran, or active duty military member, you may be eligible to receive monthly educational assistance from the Veterans Administration while enrolled at PCCC. Click here to learn more.

New & Transfer Students: You need to provide the VA benefits Coordinator and the Admissions Office with a copy of your DD-214.

Non-Matriculated Students: The VA will only pay up to 24 credits. To receive further benefits, you must matriculate.

In order to process your VA Benefits and Enrollment Certification (Form 22-1999), you need to submit the following documents:

Available to members of the New Jersey National Guard, use of this program requires the student to produce a Commanders Certificate each semester and must file for all available State and Federal Financial Aid for each academic year.

Other Resources