Welcome to Student Financial Aid


How to Apply

Are you confused on how to apply. Maybe this will help.

Believing that all individuals are deserving of an education, our mission is to help our constituents meet their Higher Education goals. We strive to offer courteous and efficient services, prompt and customer friendly.

We are committed to assist all students and parents to explore all possible options in financing their education.

We realize that a college education will be one of the most important investments a student and their parents will make. We also realize that applying for financial aid can be a difficult process. Our goal is to provide students and parents with the necessary information and guidance to make the process as simple and manageable as possible.


The IRS Data Retrieval Tool (DRT) on fafsa.gov is currently unavailable. The Department of Education and the IRS are working to resolve the issue as quickly as possible, but at this time DRT is expected be down sometime. The outage impacts both the 2016-2017 and 2017-2018 FAFSA.

Students and parents who are in the process of completing a FAFSA should manually enter their 2015 tax information. Students who have completed the FAFSA and are selected for verification can request a copy of their 2015 IRS Tax Return Transcript or parents IRS Tax Return Transcript at www.irs.gov under Tools.


Starting with the 2017-2018 academic year, two key changes will affect how and when students will fill out the Free Application for Federal Aid (FAFSA).

Early FAFSA completion is a White House initiative designed to streamline the financial aid application process. Students could complete the 2020-2021 FAFSA beginning October 1, 2019 for the 2020-2021 academic year, rather than January 1, 2020 at www.fafsa.ed.gov. The earlier submission date will be a permanent change and will enable students to complete their FAFSA as early as October 1 every year.

Complete your application at www.fafsa.ed.gov (click here



The Federal Pell Grant offers assistance to high need students working toward their first bachelor’s degree. The Pell Grant is funded each year by Congress, which sets the minimum and maximum award amounts. The amount of a Pell Grant is based on a family’s financial circumstances. All awards are based on financial need, enrollment status, and attendance. Students must complete the Free Application for Federal Student Aid.

Beginning July 1, 2012, students are limited to 6 years of Pell eligibility, or the full time equivalent of six years for those attending less than full time. Since the maximum amount of Pell Grant funding you can receive each year is equal to 100%, the six year equivalent is 600%.

Federal Supplemental Educational Opportunity Grant (FSEOG)
The Federal Supplemental Educational Opportunity Grant (SEOG) is a “need based” grant available to students with an unmet need as determined by FAFSA information and cost of attendance. Students must complete the Free Application for Federal Student Aid (FAFSA) to apply for Federal Supplemental Educational Opportunity Grant (FESOG). Funds for this program are limited and varies from year to year.

Federal Work Study Program
The Federal Work Study (FWS) program provides jobs for students with financial need, allowing them to earn money to help pay educational expenses. Students must be Pell eligible and enrolled at least half time (6 hours). The pay scale is based on the federal minimum hourly wage. To apply the students must complete the Free Application for Federal Student Aid (FAFSA).

Federal Direct Loan Program
Federal Direct Loans are low interest loans that undergraduates, and parents of dependent undergraduates may obtain from the federal government. To be eligible, students must be a U.S. citizen or permanent resident, not have previous default on a federal student loan, be enrolled at least half time, and be maintaining satisfactory academic progress. This is a loan that must be repaid.

The Federal Direct Loan Program includes the Federal Subsidized Direct Loan, the Federal Unsubsidized Direct Loan, and the Federal Plus Loan.

Direct Subsidized Loan
The Direct Subsidized Loan is awarded to undergraduate students with demonstrated need. The federal government pays the interest while the student is in school. An origination fee will be charged by the federal government of the total amount of the loan. The current origination fee charged for Federal Direct Subsidized loans is 1.069% for loans first disbursed after October 1, 2016.

Direct Unsubsidized Loan
The Direct Unsubsidized loan is awarded to students without demonstrated need. The student borrower pays the interest while in school and during the grace period. Undergraduate students may receive a combination of both subsidized and unsubsidized loans depending on their eligibility of need and their dependency status. An origination fee is charged by the federal government on the total amount of the loan. The current origination fee charged for Federal Direct Unsubsidized loans is 1.069% for loans first disbursed after October 1, 2016.


NOTE: THESE ANNUAL Lon limit amounts are the maximum yearly amounts you can borrow in both subsidized and unsubsidized loans. You can have one type of loan or a combination of both. Because you can’t borrow more than your cost of attendance minus any other financial aid you’ll get, you may receive less than the annual maximum amount. Also, the annual loan limits assume that your program of study is at least a full academic year.

Borrowers can access their loan limits by logging into the National Student Loan Data System (NSLDS) at http://www.nslds.ed.gov/nslds SA.

Direct Plus Loan
Parents of dependent undergraduates may borrow through the Direct Plus Loan Program if eligible. The amount parents may borrow is the student’s cost of attendance minus other financial aid to be received during the loan period. The parent must complete the Parent Plus loan application and Master Promissory Note (MPN) at www.studentloans.gov. A credit check is required when applying for this loan.

Parents must begin repaying both principal and interest within sixty days after the loan is disbursed. The lender charges interest on the loan from the date the first disbursement is made until the loan is paid in full. An origination fee will be charged by the federal government on the total amount of the loan. The current origination fee charged for Federal Plus loans is 4.292% for loans first disbursed after October 1, 2014.

Click Here for more information on the Parent PLUS Loan Information  


Students who do not qualify for federal financial aid, or who need additional funds beyond what federal financial aid can provide, have an option of applying for an alternative (private or non-federal) educational loan. Alternative loans are generally more expensive and therefore should only be considered if absolutely necessary.


Alabama Student Assistance Program (ASAP)
The Alabama Student Assistance Program (ASAP) is a State Funded Grant that is available to students that are Pell grant eligible and residents of Alabama. These grant funds are awarded to those with the highest need.

Alabama Student Grant
The Alabama Student Grant Program is a State funded grant designed to provide financial assistance to residents of the State of Alabama who enroll into undergraduate programs at non-sectarian, secular education, non-profit, independent institutions. The amount of the grant varies depending on availability of funds.

Teacher Education Assistance for College and Higher Education (TEACH)
Conditional grants ad up to $4,000 per year to students who intend to teach in a public or private elementary or secondary school that serve students fro low-income families. In exchange for receiving a TEACH Grant, students must agree to serve as a full-time teacher in a high-need field in a public or private elementary or secondary school that serves low-income students.

If a student receives a TEACH Grant but does not complete the required teaching service, they will be required to repay the grant as a Direct unsubsidized Direct Loan, with interest charged from the date of each TEACH Grant disbursement.


For questions contact  the Financial Aid Office at:

Email:  [email protected]

Phone: 205-366-8817 Option 4