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Federal Grants, Loans, and Work Study Programs

Federal Pell Grant

The Federal Pell Grant is a federally funded program awarded to students who demonstrate financial need as defined by the federal government. The amount of the award depends on eligibility, enrollment status and federal funding. Students who are ineligible to receive a Federal Pell Grant may be eligible for other programs such as Federal Work Study, scholarships or loans. Students must complete the Free Application for Federal Student Aid (FAFSA) and submit required paperwork to the financial aid office to be considered for grant.

Paper applications are available in the campus financial aid office. Students are strongly encouraged to take advantage of the online application as it will expedite the whole process. Online applications are available via the Internet: http://www.fafsa.ed.gov. To request a paper application you may call 800-4-FED-AID (800-433-3243).

Federal Supplemental Educational Opportunity Grant

The Federal Supplemental Educational Opportunity Grant (FSEOG) is a federal program for students who demonstrate exceptional financial need. Funds are limited and award amounts can vary depending on federal funding. Awarding normally begins in April for the upcoming academic year. Students must be enrolled in at least six approved credit hours each semester. Students must complete the Free Application for Federal Student Aid (FAFSA) and submit required paperwork to the financial aid office to be considered for this grant.

Federal direct Loan Program

Direct loans are low interest loans for students and parents to help pay for educational costs after high school. In order to qualify, students must be enrolled in a minimum of six hours of college course work and be maintaining satisfactory academic progress. The lender is the U.S. Department of Education rather than a bank or other financial institution.

Effective for the Fall 2013 semester St. Louis Community College has been selected by the US Department of Education to participate in Experiment 6—Direct Loan Program—Limiting unsubsidized loan amounts. This experiment allows the college to reduce the amount of an unsubsidized Direct Loan that the otherwise eligible student would receive, by at least $2,000 (the amount of the most recent statutory increase) or eliminate the unsubsidized Direct Loan completely.

Federal Direct Subsidized Loan

St. Louis Community College normally operates under a schedule-based academic year. Students must carry at least six approved credit hours of coursework pertaining to their program of study and demonstrate financial need as defined by the federal government. Maximum award per grade level is $3,500 per academic year for freshmen and $4,500 per academic year for sophomores. Effective July 1, 2010, the interest rate is fixed at 4.5 percent. Students must complete the Free Application for Federal Student Aid (FAFSA) and submit required paperwork to the Financial Aid office to be considered for this loan.

Federal direct Unsubsidized Loan

This is a non-need based loan, and the federal government does not pay the interest while the borrower is enrolled in school. Students must carry at least six approved credit hours of course work pertaining to their program of study. St. Louis Community College normally operates under a schedule-based academic year. Award amount depends on eligibility per academic year. The interest rate is fixed at 6.8 percent. Students must complete the Free Application for Federal Student Aid (FAFSA) and submit required paperwork to the Financial Aid office to be considered for this loan.

Federal direct plus loan
Direct Plus loans are available to assist "dependent students" with educational expenses. Students must carry at least six approved credit hours of coursework pertaining to their program of study. This is a non-need based loan and the federal government does not pay the interest while the borrower is enrolled in school. Award amounts cannot exceed the "Cost of Attendance" minus other aid. The interest is fixed at 7.9 percent. Interest is charged from the first disbursement date and repayment on both interest and principal begins 60 days after the final loan disbursement for the academic year. Students must submit required paperwork to the Financial Aid office to be considered for this loan.

Federal Work Study Program

The Federal Work Study Program (FWS) provides jobs for students who want to earn part of their educational funds. Students can work part time either on campus or off campus with a public or nonprofit agency. Some jobs offer the opportunity to perform community services. Students earn money hourly and are paid bi-weekly. Work hours normally range between 20-25 hours per week during the academic year. Students must maintain at least six approved credit hours of coursework for college work study eligibility. Students must complete the Free Application for Federal Student Aid (FAFSA) and submit required paperwork to the Financial Aid office to be considered for this program.

Summer Eligibility: For continued employment through the Federal Work Study program, students must file the Free Application for Federal Student Aid (FAFSA) for the upcoming academic year. FAFSA data must be processed by the Department of Education's Central Processing System and received by the Financial Aid office before students begin their work assignment for summer. Students also must meet specific eligibility requirements and be registered for the upcoming fall term, before starting their summer work assignment. If students are eligible, they may be employed for 40 hours per week during the summer session.