2015-16
FINANCIAL AID & SCHOLARSHIPS
HANDBOOK
Important Financial Aid Dates
Fall 2015
Aug 31 ~ Fall 2015 Semester Begins
Sep 02 ~ Community College Cal Grant Deadline
Sep 11 ~ Last day to drop units for full refund
Sep 12 ~ Last Day to Add Full-Term Courses
Sep 14~ Census Day
nd
Oct 29 ~ 2 Financial Aid Disbursement
Oct 30 ~ Loan Application Deadline
Nov 06 ~ Drop After This Day To Avoid Repayment (60%)
Nov 30 ~ SAP Appeal Deadline
Dec 14-19 ~ Final Exams
Dec 19 ~ Semester Ends
Dec 19 ~ Last Day to Turn in a BOG Application for Fall 2015
Spring 2016
Jan 01 ~ 2016-17 FAFSA Available Online
Jan 25 ~ Spring 2016 Semester Begins
Feb 07 ~ Last Day to Add Full Term Courses
Feb 08 ~ Census Day
Mar 02 ~ FAFSA & Cal Grant Priority Deadline
nd
Mar 24 ~ 2 Financial Aid Disbursement
Apr 08 ~ Drop After This Day to Avoid Repayment (60%)
Apr 08 ~ Loan Application Deadline
Apr 29 ~ SAP Appeal & Income Change Deadline
May 16-21 ~ Final Exams
May 20 ~ Graduation
May 21 ~ Spring Semester Ends
May 21 ~ Last Day to Turn in A BOG App for Spring 2016
Table of Contents
IMPORTANT FINANCIAL AID DATES ................................................................................. COVER
CABRILLO COLLEGE FINANCIAL AID & SCHOLARSHIPS OFFICE ................................................... 3
LOCATION .......................................................................................................................................... 3
HOURS .............................................................................................................................................. 3
CONTACT US ...................................................................................................................................... 3
HOW TO APPLY......................................................................................................................... 4
BOARD OF GOVERNOR’S ENROLLMENT FEE WAIVER (BOG) ........................................................................ 4
FREE APPLICATION FOR FEDERAL STUDENT AID (FAFSA )............................................................................ 4
ELIGIBILITY................................................................................................................................ 5
ACADEMIC ELIGIBILITY: SATISFACTORY ACADEMIC PROGRESS (SAP) .............................................................. 5
EDUCATION PLANS FOR FINANCIAL AID STUDENTS ..................................................................................... 5
Education Plan Workshops ............................................................................................................. 5
FEDERAL ELIGIBILITY ............................................................................................................................. 6
FINANCIAL ELIGIBILITY .............................................................................................................. 6
COST OF ATTENDANCE .......................................................................................................................... 6
EXPECTED FAMILY CONTRIBUTION (EFC) ................................................................................................. 6
2015-16 Cost of Attendance ........................................................................................................... 7
Financial Need ................................................................................................................................ 7
FRAUD ............................................................................................................................................... 7
PRIVACY RIGHTS .................................................................................................................................. 7
DEPENDENCY STATUS ............................................................................................................... 8
DEPENDENCY EXCEPTIONS ..................................................................................................................... 8
TYPES OF AID ............................................................................................................................ 9
FEDERAL AID....................................................................................................................................... 9
CALIFORNIA STATE AID ......................................................................................................................... 9
CALIFORNIA DREAM ACT FOR AB540 STUDENTS ...................................................................... 9
WILLIAM D. FORD FEDERAL DIRECT LOANS ............................................................................ 10
TYPES OF LOANS ................................................................................................................................ 10
LOAN LIMITS..................................................................................................................................... 10
2015-16 LOAN POLICIES .................................................................................................................... 10
HOW TO APPLY FOR STUDENT LOANS AT CABRILLO .................................................................................. 11
TERMS AND CONDITIONS .................................................................................................................... 11
LOAN PROCESSING TIMELINES .............................................................................................................. 11
EXIT COUNSELING .............................................................................................................................. 11
REPAYMENT ..................................................................................................................................... 11
FEDERAL WORK STUDY ........................................................................................................... 12
TERMS AND CONDITIONS .................................................................................................................... 12
SCHOLARSHIPS ....................................................................................................................... 12
CABRILLO GENERAL SCHOLARSHIP ......................................................................................................... 12
SCHOLARSHIP BINDER ......................................................................................................................... 12
OVERPAYMENT OF PELL GRANT ............................................................................................. 13
POST WITHDRAWAL DISBURSEMENT ..................................................................................................... 13
WITHDRAWAL DATES ......................................................................................................................... 13
2015-16
Page 1
WITHDRAWAL & REPAYMENT ................................................................................................ 14
PROCESSING YOUR FINANCIAL AID ......................................................................................... 15
ADDITIONAL FORMS AND DOCUMENTS .................................................................................................. 15
VERIFICATION ................................................................................................................................... 15
CABRILLO PROCESSING TIMELINES......................................................................................................... 15
AWARDING FINANCIAL AID .................................................................................................... 16
AWARD NOTIFICATION ....................................................................................................................... 16
FIRST DISBURSEMENT ......................................................................................................................... 16
SECOND DISBURSEMENT ..................................................................................................................... 16
COLLEGE BANK ....................................................................................................................... 17
YOUR CABRILLO ACCESS CARD ............................................................................................... 17
CABRILLO SUPPORT SERVICES ................................................................................................ 18
2015-16 POLICIES AFFECTING ELIGIBILITY ............................................................................... 19
SUBMITTING 2014 TAXES FOR VERIFICATION ........................................................................................ 19
PELL GRANT LIFETIME ELIGIBILITY USED (LEU) ........................................................................................ 19
HIGH SCHOOL DIPLOMA - GED REQUIREMENTS ...................................................................................... 19
LOAN APPLICATIONS .......................................................................................................................... 19
UNDECLARED MAJOR NOT ELIGIBLE FOR FEDERAL FINANCIAL AID ............................................................... 19
EDUCATIONAL PLANS ......................................................................................................................... 19
PACE OF PROGRESS ............................................................................................................................ 19
FINANCIAL AID COURSE REPEAT POLICY ................................................................................................. 19
OTHER/OFF CAMPUS RESOURCES .......................................................................................... 20
FINANCIAL AID RIGHTS AND RESPONSIBILITIES ...................................................................... 20
CHECK YOUR STATUS ONLINE! ................................................................................................ 20
SELF-SERVICE SCANNER .......................................................................................................... 20
ESERVICES DAYS! .................................................................................................................... 20
CONSTITUTION DAY ............................................................................................................... 20
ELIGIBLE FINANCIAL AID DEGREES/MAJORS ........................................................................... 21
2015-16
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Cabrillo College Financial Aid & Scholarships Office
Location
Aptos Campus
Building 100
6500 Soquel Drive
Aptos, CA 95003
Watsonville Center
Enrollment Services Office
318 Union Street
Watsonville, CA 95076
Hours
Aptos Financial Aid Counter Hours
Monday: 8:00 am – 6:00 pm
Tuesday: 8:00 am – 5:00 pm
Wednesday: 8:00 am – 5:00 pm
Thursday: 8:00 am – 5:00 pm
Friday: 9:00 am - 12:00 pm
Watsonville Financial Aid Counter Hours
Monday: 9:00 am – 6:00 pm
Tuesday: 9:00 am – 6:00 pm
Wednesday: 9:00 am – 6:00 pm
Thursday: 9:00 am – 6:00 pm
Friday: 9:00 am - 12:00 pm
Monday-Thursday closed from 1-2pm
Hours subject to change. Check our website for updated counter hours.
Contact Us
Aptos
831-479-6415 phone
831-479-5016 fax
financial.aid@cabrillo.edu
Watsonville
831-786-4701 phone
831-786-4715 fax
financial.aid@cabrillo.edu
go.cabrillo.edu/finaid
2015-16
Page 3
How to Apply
Board of Governor’s Enrollment
Fee Waiver (BOG)
Free Application for Federal
Student Aid (FAFSA )
http://go.cabrillo.edu/fa-apps
fafsa.gov
All students must complete a new application
each school year. The school year begins with Fall
semester and ends with the Summer term.
FAFSA Priority Funding Deadline: March 2, 2015
Students who miss this deadline should still apply! All
students applying for financial aid must complete the
FAFSA online at fafsa.gov.
BOG Deadline
You may apply for the BOG up until the last day of
each term. The Board of Governor’s Enrollment
Fee Waiver waives the unit enrollment fee at
Cabrillo College for California.
BOG is not a cash award.
Apply for a BOG by completing the BOG
Application, the Free Application for Federal
Student Aid (FAFSA), or the California Dream Act
Application for AB540 students. Students who
complete the California Dream Act Application
(Dream App) will also be considered for Cal Grant.
Once you qualify for a BOG, it continues for the
remainder of the school year. The BOG fee waiver
is not retroactive to prior terms. If you qualify for
a BOG and have already paid registration fees, you
will receive a refund from the Cabrillo College
Bank.
The Board of Governor’s Fee Waiver (BOG) is
subject to State of California regulations and
eligibility determined by Cabrillo Admissions &
Records Office (A&R). Beginning Fall 2015, A&R
will monitor student’s academic standing.
Students on Academic Probation and Academic
Dismissal may lose BOG eligibility the following
Fall 2016.
2015-16
Cabrillo College Federal School Code: 001124
FAFSA results are emailed to the student in the form of
a Student Aid Report (SAR). As soon as you receive
your SAR, look it over carefully to make sure all the
information is correct and that your FAFSA has not
been rejected.
Check:
• Names on FAFSA are identical to names on social
security cards, no nicknames or abbreviations.
• Income information
• Academic level/goal
• IRS data obtained using the FAFSA retrieval tool
If corrections are not needed, keep the SAR for your
records. Unnecessary corrections will cause delays in
your financial aid.
If you need to make corrections, do them online at
www.fafsa.gov. If you have questions, please call,
email or stop by the Financial Aid & Scholarships
Office.
Students who file a FAFSA are considered for the BOG
as well as other forms of aid.
Warning:
Other FAFSA websites will charge you money!! Use the
official website fafsa.gov for free.
Page 4
Eligibility
Academic Eligibility: Satisfactory Academic Progress (SAP)
To meet academic eligibility standards (SAP) you must:
1. Have completed at least 67% of ALL cumulative units attempted at Cabrillo.
This ratio is your Pace of Progress.
2. Maintain a cumulative Grade Point Average (GPA) of at least 2.0
3. Not have exceeded 150% of your program units.
See our 2015-16 Satisfactory Academic Progress (SAP) Policy:
http://cabrillo.edu/services/finaid/pdf/15-16%20SAP.pdf
or, refer to your eforms Library
Education Plans for Financial Aid Students
A new state law requires that all community college students have an Education Plan (Ed Plan). Financial Aid will
continue to require Ed Plans for appeals and loans. Having an Ed Plan keeps you on track to reach your goal,
and is one of the requirements in order to maintain your priority registration.
All students now have access to Student Planning, a planning tool found on your Student Menu in WebAdvisor.
You can start to plan your courses using the Student Planning tool at any time on your own. Having courses
planned for your upcoming term(s) in the Student Planning tool on WebAdvisor, will meet the Ed Plan
requirement to maintain your priority registration.
To learn more about how to use the Student Planning Tool, stop by the Transfer/Career Center. We have
students and staff available to assist you.
There are two types of Ed Plans:
1) An Abbreviated Ed Plan (1 to 2 semesters to get you started) and a
2) A Comprehensive Ed Plan (laying out all of the courses you need to reach your goal at Cabrillo).
A Comprehensive Ed Plan is required for students submitting a Maximum Time Frame Appeal or a Minimum
Standard Appeal.
An Abbreviated Educational Plan, for 1 or 2 semesters, will suffice for a Student Loan Application.
All Ed Plans for Financial Aid purposes must be Approved and Archived either by a Cabrillo Counselor or through
attending an Education Plan Workshop (not just prepared by you in your Student Planning Tool.)
Education Plan Workshops
Two-hour workshop present important information and planning resources and is designed for new students,
for those who have never developed an Education Plan, and for those who want to learn more about putting
together a solid Ed Plan. You’ll leave the Ed Plan Workshop with an Abbreviated Education Plan using the
Student Planning tool. Some students may be required to attend an Education Plan Workshop prior to
scheduling a counseling appointment.
Please consult the Counseling webpage http://www.cabrillo.edu/services/counseling/ to learn more Education
Plans, how to use the Student Planning tool and your next steps in developing a comprehensive education plan.
2015-16
Page 5
Federal Eligibility
To be eligible to receive federal financial aid you must meet the following requirements:
• Have a high school diploma or GED
• Have a declared eligible major
• Be working toward an eligible program (i.e. Associate Degree, transfer toward a Bachelor’s Degree, or a
Certificate of Achievement)
• Be a U.S. citizen or an eligible non-citizen
• Have completed the required forms
• Maintain Satisfactory Academic Progress
• Have financial need (except in the case of unsubsidized loans)
• Be in compliance with Selective Service Registration
• Not owe a refund or repayment on a federal grant
• Not be in default on a federal student loan
• Not have a drug conviction for an offense that occurred while you were receiving federal student aid.
Financial Eligibility
Cost of Attendance
A student budget that includes standard fees and costs is assigned to all financial aid recipients. The budget, or
cost of attendance, is based on data provided by the California Student Aid Commission and the Chancellor’s
Office for California Community Colleges.
Standard student budgets are constructed recognizing the different costs for students living at home or living
away from home. An additional $200/unit enrollment fee is added to the budget for out-of-state students.
International students add an additional $204/unit enrollment fee plus $4/unit capital outlay fee.
Expected Family Contribution (EFC)
Your Expected Family Contribution (EFC) is calculated using the information you provide on the FAFSA. The
Federal Processor calculates a Student Contribution for all students and a Parent Contribution for Dependent
students based on income, assets, household size, age and other factors. The EFC is the amount of money you
and your family are expected to contribute toward your educational costs.
2015-16
Page 6
2015-16 Cost of Attendance
Financial Need
Fall and Spring Semesters
In State
At Home
Enrollment Fees
Health Fees
Student Rep Fee
Student Activity Card
Student Center Fee
Books and Supplies
Room & Board
Transportation
Personal Expenses
TOTAL
$1,288
38
2
20
10
1764
4,950
1125
3159
$12,356
Away from
Home
$,1288
38
2
20
10
1764
12,051
1269
2898
$19,340
Enrollment fees are based on 14 units per semester @ $46 per unit.
These fees are subject to change.
Your financial aid need is the difference between your
Cost of Attendance and your Expected Family
Contribution (EFC.) It is often not possible to meet a
student’s full financial aid need.
Your Cost of Attendance
(Determined by the Financial Aid Office)
- Your Expected Family Contribution (EFC)
(Determined by FAFSA)
- Other Resources
(Such as Scholarships)
___________________________________
= Your Financial NEED
Fraud
Any individual committing fraud on an application for financial aid, or any individual who fraudulently
manipulates the financial aid programs or process for personal gain will be reported to the Department of
Education, Office of Inspector General.
Cases of suspected fraud which results in the receipt of aid, will be reported for possible collection of funds
and/or prosecution. These include:
 knowingly misrepresenting family or financial information,
 purposefully certifying false statements as true and correct,
 intentionally falsifying, misrepresenting or altering documents used in the financial aid process.
Privacy Rights
Cabrillo Financial Aid only provides information to students who present a government issued photo ID (College
ID, Driver’s License, Passport, etc.) If calling you must provide your student ID number and be prepared to
answer additional demographic and academic questions to verify your identity.
Cabrillo will not look up students using social security numbers nor or provide social security numbers to
inquirers.
Due to the Family Educational Rights and Privacy Act (FERPA) we cannot release student financial information to
anyone other than you, the student. If you wish your information to be released to someone else, you must
submit the Authorization to Release Information Form via your eforms library.
2015-16
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Dependency Status
The federal government expects students and their families to contribute toward educational expenses. You are
considered Dependent and are required to provide parent(s) information on the FAFSA unless:
 Were you born before January 1, 1992?
 As of today, are you married? (Also answer “Yes” if you are separated but not divorced.)
 At the beginning of the 2015-2016 school year, will you be working on a master’s or doctorate
program (such as an MA, MBA, MD, JD, PhD, EdD, graduate certificate, etc.)?
 Are you currently serving on active duty in the U.S. Armed Forces for purposes other than training?
 Are you a veteran of the U.S. Armed Forces?
 Do you now have or will you have children who will receive more than half of their support from you
between July 1, 2015 and June 30, 2016?
 Do you have dependents (other than your children or spouse) who live with you and who receive more
than half of their support from you, now and through June 30, 2016?
 At any time since you turned age 13, were both your parents deceased, were you in foster care, or
were you a dependent or ward of the court for custody reasons (not juvenile probation)?
 As determined by a court in your state of legal residence, are you or were you an emancipated minor?
 As determined by a court in your state of legal residence, are you or were you in legal guardianship
(non-parent)?
 At any time on or after July 1, 2014, did your high school or school district homeless liaison determine
that you were an unaccompanied youth who was homeless or were self-supporting and at risk of
being homeless?
 At any time on or after July 1, 2014, did the director of an emergency shelter or transitional housing
program funded by the U.S. Department of Housing and Urban Development determine that you were
an unaccompanied youth who was homeless or were self-supporting and at risk of being homeless?
 At any time on or after July 1, 2014, did the director of a runaway or homeless youth basic center or
transitional living program determine that you were an unaccompanied youth who was homeless or
were self-supporting and at risk of being homeless?
Students who meet one of the criteria listed are considered Independent and, if married are required to also
provide spouse’s information on the FAFSA.
Dependency Exceptions
Students with adverse or unusual circumstances may be considered for a dependency status change by
submitting a Dependency Status Petition to the Financial Aid Office. If you have any questions, please contact
our office.
Submit your FAFSA without parental data. You will receive an email from FAFSA stating that your FAFSA is
rejected. Cabrillo will receive your rejected FAFSA. Submit the Dependency Status Petition and supporting third
party documentation to Cabrillo Financial Aid. If your petition is approved the college will resubmit your FAFSA
as an Independent Student. Dependency Status Petitions must be renewed each academic year.
2015-16
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Types of Aid
Federal Aid
Pell Grant
Supplemental Education Opportunity Grant (SEOG)
Federal Work Study
Direct Student Loans
California State Aid
Board of Governors Enrollment Fee Waiver (BOG)
Cal Grant
Child Development Grant
Chafee Grant for Foster Youth
For information on the types of financial aid administered at Cabrillo College visit:
http://www.cabrillo.edu/services/finaid/available.html
California Dream Act for AB540 Students
AB540 students may be eligible for state and institutional aid!
You are an AB540 student if you attended a CA high school for at least three years, graduated from a California High School
with a diploma, GED, or passed the CA High School Proficiency Exam, and are registered at a California Community College.
Cabrillo AB540 students who meet the GPA and unit completion criteria are eligible to apply for the Cabrillo Scholarship.
Dream Act AB130 - Effective January 1, 2013 students who meet AB540 criteria can apply for the Board of Governor’s
(BOG) Enrollment Fee Waiver at California Community Colleges. Eligible students can receive BOG for the 2015-16
academic year.
Dream Act AB131 Students who meet AB540 criteria can fill out the California Dream Act Application (The ‘Dream App’) to
determine eligibility for the BOG Enrollment Fee Waiver, Cal Grant, EOPS, CARE, CalWorks, and Chafee Grants (for former
foster youth.) The Dream App became available January 1, 2015 for the 2015-16 school year.
For additional Information about the Dream Act (AB540, AB130, AB131) contact: California Student Aid Commission
(CSAC) 1-888-224-7268 or visit www.caldreamact.org
Find the 2015-16 DreamApp Online at: https://dream.csac.ca.gov/
2015-16
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William D. Ford Federal Direct Loans
Types of Loans
Subsidized Direct Loan – 4.29% fixed interest
While you are in school at least half-time, during your repayment grace period, and during any approved deferment
periods, the federal government will pay the interest on your Subsidized Loans. After you graduate, withdraw from school,
or drop below half-time enrollment, there is a six month grace period before repayment of the loans begins. When you
enter repayment, you are responsible to begin repaying the amount you borrowed as well as the interest that will accrue
during the repayment period.
Unsubsidized Direct Loan – 4.29% fixed interest
Interest accrues immediately after disbursement. If you borrow Unsubsidized Loans, we strongly recommend that you
begin making interest payments right after you receive your loan check. If you do not make interest payments while you
are in school, the interest continues to accrue and is added (capitalized) to your principal loan balance at
repayment. When interest capitalization occurs, you will then be paying interest on top of interest which greatly increases
the amount of your loan and the total amount you will be repaying. This should be a loan of last resort!
Loan Limits
DEPENDENT STUDENTS
Grade Level 1
0-29.9 completed units
Grade Level 2
30+ completed units
Subsidized/Unsubsidized
Combined
$3,500
Additional
Unsubsidized
$2,000
Yearly
Maximum
$5,500
$4,500
$2,000
$6,500
INDEPENDENT STUDENTS Subsidized/Unsubsidized
Combined
Grade Level 1
$3,500
0-29.9 completed units
Grade Level 2
$4,500
30+ completed units
Additional
Yearly
Unsubsidized Maximum
$6,000
$9,500
$6,000
$10,500
Lifetime Undergraduate
Aggregate Limits
$31,000 no more than
$23,000 can be subsidized
Lifetime Undergraduate
Aggregate Limits
$57,000 no more than
$23,000 can be subsidized
There is a 1.073% Origination Fee for all Direct Subsidized and Unsubsidized Loans that are first disbursed between July 1, 2015
and September 30, 2015. The Origination Fee will increase to 1.068% for new loans disbursed after October 1, 2015.
st
Interest rates are determined on July 1 of each year for the coming academic year.
2015-16 Loan Policies
 Cabrillo accepts only one loan application per school year. Loan increase requests will not be considered.
 Progress reports from instructors may be required for students with a SAP status of Warning or Probation before loan
funds can be disbursed.
 Federal regulation states new borrowers (since July 1, 2013) may only receive Subsidized loans up to 150% of their
current program.
 Cabrillo College does not participate in the Private Alternative Loan Program.
 Cabrillo College does not participate in the PLUS Loan Program.
 Loans received for one semester at another college do not transfer to Cabrillo
 Loans awarded for one semester at Cabrillo do not transfer to another college.
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How to Apply for Student Loans at Cabrillo
To apply for a student loan at Cabrillo, you must submit five forms in addition to the FAFSA and any additional
documents that have been requested.
On http://studentloans.gov/
1. Master Promissory Note
2. Entrance Loan Counseling
On your Cabrillo eforms link via your WebAdvisor
3. Direct Loan Request
From a Cabrillo Academic Counselor 831-479-6274
4. A current Educational Plan that lists the courses you will need to take to complete your academic goal.
You must be following your Educational Plan and be enrolled in at least 6.0 degree applicable units to be eligible for a
student loan at Cabrillo.
Terms and Conditions
For information on Direct Loans visit:
http://go.cabrillo.edu/loans
Loans must be repaid.
Students interested in borrowing Direct Loans must apply each school year. To apply, you must:
 Complete the FAFSA and establish eligibility
 Complete your financial aid file by submitting all required forms (eforms link via WebAdvisor)
 Complete online Entrance Counseling and Master Promissory Note (studentloans.gov)
 Be enrolled in & attending 6 or more degree applicable units from your Educational Plan each semester
 Meet Cabrillo’s semester deadlines: (Fall 2015 – 10/30/15 ; Spring 2016 – 4/08/16)
Loan Processing Timelines
Allow 5-8 weeks after you submit your loan forms to receive your loan funds.
Note: Loan processing timelines are in addition to financial aid processing timelines.
Note: Loans are not disbursed until after the 4th week of the term unless you are not grant eligible or are in an Allied
Health Program (RN, RT, DH).
Exit Counseling
Loan EXIT Counseling is REQUIRED:


If you drop below half-time enrollment (6.0 units)
Within 30 days PRIOR to graduating or leaving Cabrillo
Repayment
William D. Ford Direct Loans are low-interest loans to help pay for the cost of a student’s education. The lender is the
U.S. Department of Education rather than a bank or other financial institution. Direct Loans are a form of financial aid
and must be repaid with interest.
2015-16
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Federal Work Study
Terms and Conditions
Cabrillo College participates in the Federal Work Study Program (FWS) which provides employment
opportunities to eligible students. This is an award to work in a job on-campus or off-campus for a public or
nonprofit agency. Hourly wages on campus range from $9.00 to $13.25. Students receive a monthly paycheck
for hours worked and can earn up to the amount of their award. Priority is given to students who met the March
2nd FAFSA priority deadline and who had work study employment at Cabrillo College during the prior academic
year. Work Study funds are limited and are awarded on a first come first serve basis.
Conditions of Eligibility:
 Be enrolled in at least 6 degree applicable units
 Have met Satisfactory Academic Progress (SAP) requirements
 Indicated an interest in Work Study on the current FAFSA
 Effective Fall 2015 Federal Work Study awards will be limited to 3 academic years (retroactive.)
NOTE: At the beginning of each semester, students who have not been awarded FWS and have a completed financial aid
file may request to be placed on a FWS waitlist via the electronic fillable request form on the Financial Aid Federal Work
Study page. https://www.cabrillo.edu/services/finaid/fws/
Scholarships
Cabrillo General Scholarship
Cabrillo offers a General Scholarship each academic year.
http://www.cabrillo.edu/services/finaid/genscholarship.html
Scholarship Binder
For information on many other scholarships, visit:
http://go.cabrillo.edu/scholarshipbinder
Scholarship Information is FREE!
Be aware of scholarship scams that ask you to pay for
financial aid and scholarship information.
Before you pay for information, contact the Financial Aid
and Scholarships Office or go to the Federal Trade
Commission’s website for Scholarship Scams at:
www.ftc.gov/scholarshipscams
2015-16
Scholarship Search
There are hundreds of scholarship opportunities an
ambitious student can discover. The best way to match
your particular goals and interests with scholarship
opportunities is to search online. There are several FREE
online scholarship searches. See list below.
http://go.cabrillo.edu/scholarshipbinder
www.schoolsoup.com
www.fastweb.com
http://apps.collegeboard.org/cbsearch_ss/welcome.jsp
Page 12
Overpayment of Pell Grant
If you drop classes during the add/drop period and
this results in a change of your enrollment status,
you may owe money.
If you get paid for a class that you never attended,
you will owe money. This includes short-term and
weekend classes.
If you owe an overpayment, you have 30 days to
repay the college in full or it will be reported to the
Department of Education (DOE). You will not be
able to register for classes at Cabrillo or receive
transcripts until the overpayment has been paid.
Once reported to the DOE, you will not be able to
receive further financial aid from any college.
Post Withdrawal Disbursement
If you did not receive all of your earned federal aid and
your withdrawal date has been determined, you may be
eligible for a Post Withdrawal Disbursement (PWD).
To determine if you were eligible to receive federal
funds even though none were disbursed, the Financial
Aid & Scholarships Office must have:
• Received your valid SAR with calculated EFC
• (for borrowers) originated your loan request and have
a signed MPN (First-year, first-time borrowers must
have completed the first 30 days of the term.)
2015-16
For example…
Student C. Hawk enrolls full-time at the beginning
of the semester and receives her first financial aid
disbursement. C. Hawk then decides that she needs
a part-time job.
If she drops to:
3/4 time, she will receive an adjusted 2nd
disbursement;
1/2 time, she will not receive a 2nd disbursement
and may owe money;
Less than 1/2 time, she will not receive a 2nd
disbursement and will owe all or a portion of the
first disbursement money back to the college.
Withdrawal Dates
If you withdraw from all of your classes before
completing 60% of the term, you will be required to
return any unearned federal funds.
If you drop all your classes on or before the following
dates, you will owe a repayment. :
Fall 2015: 11/06/15
~ or~
Spring 2016: 4/08/16
It is your responsibility to drop classes!
Do not rely on your instructors to drop classes for you.
Page 13
Withdrawal & Repayment
If you receive federal financial aid and withdraw from all of
your classes before completing more than 60% of the
term, you will be required to return any unearned federal
funds. The Financial Aid Office will calculate the amount.
Federal Work Study earnings are excluded from the
calculation. If you were awarded aid and drop or are
dropped from all of your classes on or before the
published Census Day, you must repay the full amount
received.
Your withdrawal from college date is:
• The date you notify the Financial Aid & Scholarships
Office that you intend to completely withdraw, or
• The midpoint of the term if: You leave without notifying
the college, or you receive all Fs and/or NP’s or
Instructor Drops, or
• Your last date of attendance in class as determined by
the instructor.
The Financial Aid & Scholarships Office uses your
withdrawal date to calculate the amount of federal
aid you may owe. Within 30 days, we will notify you
of any repayment or offer you a Post Withdrawal
Disbursement.
For example: At full-time enrollment (12 units) you
are awarded a $2,888 Pell Grant. There are 111
days in the term and you withdraw on the 36th day.
32% of your grant is earned and 68% is unearned.
$2,888 x 68% = $1,964. unearned Pell
The total amount of grant aid disbursed is
multiplied by 50%. This is your grant protection.
$2,888 x 50% = $1,444
Students who receive either all F’s or NP’s or Instructor
You will owe the college a share of the grant based
Drops will be considered unofficially withdrawn and the
on how many units you took.
percentage at the midpoint (50%) of the enrollment period
will be used to calculate unearned aid.
Students who have loans will have to return funds in
accordance with the terms of the Master Promissory Note
(MPN).
You have 30 days from the date you withdraw to repay
unearned federal aid in full to the college. You will be
unable to receive academic transcripts or register for
future classes at Cabrillo College until you clear this debt.
Grant overpayments will be reported to the Department
of Education on day 31 if you fail to repay the
overpayment. A national hold will then be placed on your
student aid eligibility.
Dropping units can cost you Money!!!
2015-16
12 units @ $46/unit = $552
$552 x 68% (unearned) = $375 aid college owes to
the Dept. of Ed which you must repay to the college
$1,964 (unearned federal) - $375 (unearned college) =
$1,589. This is the initial total of unearned aid.
$1,589 (unearned) - $1,444 (grant protection)
= $145 aid you owe the Department of Education
You would owe $145 to the Dept. of Ed and $375 to
the college.
$375 + $145 = $520 your total repayment
This amount will be charged to your student
account.
Page 14
Processing Your Financial Aid
Additional Forms and Documents
Filing the FAFSA is just the first step. You will be required to submit additional form(s) or documents to
complete your file. You will be notified by email how to view additional required forms through your
WebAdvisor account under "My Documents". Keep your email, phone number and mailing address current
through WebAdvisor.
If you do not respond to correspondence, your financial aid will not be processed.
Verification
You may be randomly selected by the Federal Processor (FAFSA) for a process called verification. This means
that we are required to verify such things as your household size, number in college, child support paid, tax
filing information, income, and asset information.
If you are selected for Verification, Verification Forms will be requested. Verification Forms for students and
parents can be found on your eforms link via WebAdvisor. Worksheets must be completed, signed and
submitted with no blanks. Forms with blanks will be returned to you and your aid will not be processed.
If you do not select the IRS Data Retrieval Link on the FAFSA, you will be required to submit yours’, and in the
case of dependent students, your parent’s, 2014 Federal Tax Return Transcript from the IRS. If you do not
enter wages on your FAFSA, you may be asked to submit your W2s, 1099s, and disclose all wages earned
‘under the table.’ Request a Tax Transcript from the IRS online at irs.gov. Choose ‘Get a Transcript Online’ for
a PDF; Choose ‘Get Transcript by Mail’ to be sent a paper transcript; or call 1-800-908-9946.
Note: Cabrillo can no longer accept copies of tax returns, but must have IRS Tax Return Transcripts.
Cabrillo Processing Timelines
STEP 1:
STEP 2:
STEP 3:
STEP 4:
STEP 5:
STEP 6:
STEP 7:
STEP 8:
File a FAFSA at FAFSA.gov
FAFSA confirmation is sent to student; FAFSA Sent to College
2-4 weeks
Financial Aid Office enters data, awards BOG (if eligible), & sends Acknowledgment email and document request to
student. Students with no grant eligibility are notified by email.
1-2 weeks
Student submits ALL requested documents.
Weeks? Days? This depends on you!
During peak processing periods (April -September), timelines could be doubled for steps 5-8
Financial Aid Office receives documents and posts to WebAdvisor. (Allow 24-48 hours.)
Financial Aid Update #2 email sent.
1-3 weeks
File is reviewed, eligibility is determined, and discrepancies resolved. (Steps 4, 5, & 6 are repeated for discrepancies.)
up to 4 weeks
Awards are processed and Award Letter notification is emailed.
1-2 weeks
Awards are disbursed through Cabrillo Access Card/Higher One!
1-2 weeks
2015-16
Page 15
Awarding Financial Aid
Award Notification
An ‘Award Letter Ready To Be Viewed’ email will be sent to you after your file and academic progress have been
reviewed. Award amounts are based on full-time enrollment. The actual amount received will differ if your
enrollment status changes. You can view your estimated award amounts on your WebAdvisor account.
Note: If you are repeating a course you have previously passed, its units may not count toward your financial aid
award. For details visit http://www.cabrillo.edu/services/finaid/repeats.html
Federal regulations require that all types of financial aid be coordinated. You must inform the Financial Aid &
Scholarships Office if you receive any aid not listed on your Award Letter such as scholarships, stipends, and
vocational rehabilitation. A revision to your financial aid may be necessary.
First Disbursement
First awards are disbursed no earlier than ten days prior to the start of each term. Awards will be posted to your
Cabrillo Access Card or deposited in your checking account depending on which payment option you chose with
Higher One. If you choose to not activate your Cabrillo Access Card, a check will be mailed to the address in your
WebAdvisor account after 21 days.
Note: Students awarded before the midpoint of the semester will be awarded in two disbursements. Students
awarded after the midpoint of the term will be awarded in one disbursement.
PELL Grant: Disbursement dates depend on when your completed file is reviewed and will reflect your actual
enrollment status at the time of payment. Pell awards will not be increased for special studies, short-term, or
weekend classes added after the second week of the term. If you get paid for a class that you do not attend, you
will owe money. You may receive less Pell Grant than the amount on your Award Letter if your enrollment status
is less than full-time and/or if you owe student charges.
Cabrillo Scholarships: If you have been awarded a scholarship, it will be disbursed the week before the start of
the term unless enrollment verification is required. Scholarships requiring enrollment verification will be
disbursed within two weeks of the receipt of your enrollment verification. For more information on the Cabrillo
General Scholarship visit: http://www.cabrillo.edu/services/finaid/genscholarship.html
Note: For Summer term, no adjustments are made once you have been awarded.
Second Disbursement
SEOG and CAL Grant awards are not included in the first disbursement. SEOG, Cal Grants, and the second half of
your Pell Grant, are disbursed approximately mid-way through the semester.
Fall 2015 Second Disbursement Date:
October 29, 2015
2015-16
Spring 2016 Second Disbursement Date:
March 24, 2016
Page 16
College Bank
Your Cabrillo Access Card
Identification
Only Chafee Grant and Federal Work Study Checks are
disbursed by the College Bank. You are required to
present valid photo ID (such as a California Driver’s
License or California Identification Card) each time
you pick up a check at the College Bank.
Cabrillo College financial aid awards are now disbursed to
your Cabrillo Access Card from Higher One, Inc., a financial
services company focused solely on higher education. If
you have questions about how to use your Cabrillo Access
Card, visit www.CabrilloAccessCard.com, call 1-866-6294216, or stop by the College Bank in Building 100.
Federal Work Study Checks
Federal Work-Study checks are disbursed by the
College Bank on the 10th of each month based on
hours worked the previous month.
Each student with a credit balance or pending financial aid
award will be mailed a card. It will be sent to the address
in your WebAdvisor account. Your card will arrive in a
bright green envelope. Look for it and do not discard! In
order to receive your money more quickly, you must
activate your card. Make sure your address is current and
correct!
Student Charges
Any student charges will be deducted from your
financial aid and/or scholarship awards.
Choose one of the following methods for receiving your
financial aid disbursement:
 Easy Refund – This option places your award/refund
on your Cabrillo Access Card, which may be used as a
MasterCard®, debit card, or to withdraw cash at
Higher One ATM machines.
College Bank Hours – Building 100
Monday – Thursday
9:00 a.m. to 3:30 p.m.
Friday
9:00 a.m. to 12:00 p.m.
Three Cabrillo Access Card ATM Locations
 Cabrillo College Bookstore, Aptos
 Building 100 Lobby, Aptos
 Watsonville Center Lobby (by Enrollment Services)
 ACH Credit to a Third Party Account - This option
allows the student’s financial aid/refund to be placed
in their current personal checking/banking account
with any banking institution in the U.S. Accuracy
matters when entering your bank’s routing number
and your account number. Mistakes could cost you a
$25 account research fee and/or delay your deposit.
 If you do not activate the Cabrillo Access Card,
financial aid disbursements and refunds will be
mailed from Higher One, Inc. to the student's address
of record after 21 days.
Continuing students: Your card will remain active for nine
months from your last transaction. Lost cards that were
never activated can be replaced for no cost. Lost cards
that were activated can be replaced for a $20 fee. To
replace a lost card, contact the College Bank.
If an ATM machine is not working, call Higher One
Customer Service at 1-866-629-4216.
2015-16
Page 17
Cabrillo Support Services
Accessibility Support Center (ACS), Formerly Disabled Student
Program and Services (DSP&S) provides support services for
students with disabilities. 831.479.6379 or 831.479.6370 or TTY
1.800.735.2922
Admissions & Records (A&R) provides help with registration,
adding and dropping courses, enrollment verification, and
degree and certificate production. A&R maintains the academic
record of each student and provides official transcripts and
general education certifications. 831.479.6201.
Assistive Technology provides services, accommodation, and
training in hardware and software in classrooms and labs for
students who otherwise would not be able to use or would be
severely limited in their access to technology. Appointments
can be made by calling 831-477-5262.
Children’s Center provides on-campus childcare for student
parents. 831.479.6352 (for waitlist)
Computer Technology Center provides registered Cabrillo
students access to computers to write papers, do web research
& communicate with professors via e-mail. 831.477.5286 Aptos
831.786.4703 Watsonville.
Counseling provides academic counseling and educational
plans for certificates, degrees, transfer admissions and financial
aid requirements. 831.479.6274
Extended Opportunity Program and Services (EOPS)/
Cooperative Agencies Resources for Education (CARE)
These state-funded programs provide a variety of support
services, individualized academic counseling, tutoring, grants,
and other forms of assistance to economically and
educationally disadvantaged California residents.
831.479.6305.
Fast Track to Work Office provides support services to students
on welfare (CalWORKs) or unemployment. FTTW offers
assistance with SNAP (Supplemental Nutrition Assistance
Program,) and scholarships. Call 831.479.6344.
Foster Youth Independence Program (FYI) provides services to
increase foster youth success rate of earning certificates,
associate degrees, and transfer to four-year colleges and
universities. The FYI team assists foster youth on an individual
basis including help with forms, housing, and additional
support services in the community.831.479-6115
2015-16
Learning Skills Program provides learning disability services and
assessment. 831.479.6220
Puente Project increases the number of Mexican-American and
Latino community college students who transfer to four-year
universities. Puente offers instruction, mentoring and counseling.
For more information call 831-479-6541 Aptos or 831-786-4743
Watsonville.
Reading Center offers reading courses for all reading levels in
order to improve speed, comprehension, retention and
vocabulary. 831.479.6573 or 831.479.6442
Student Employment Office serves Cabrillo students and
graduates seeking employment on or off campus. All jobs are
listed online on the Student Employment website. Additionally, the
office conducts workshops on job seeking skills and provides
individualized assistance with resumes by appointment.
831.479.6413.
The Transfer/Career Center provides services for students and
community members planning to transfer to four-year colleges
and universities including students who have been historically
underrepresented in higher education; assists with applications,
academic counseling, career planning, the job market and job
seeking skills, maintains a career library and computer work
stations. 831.479.6385
Veterans Center provides information and certification for
veteran’s educational benefits, Educational Plans and referrals for
other campus and community services provided by the Campus
Veterans Coordinator. 831.477.5697
The Tutorials Program offers free group tutoring to students in a
variety of subjects. All groups are made by appointment only and
students must be registered in the courses for which they want the
tutoring service. The Tutorials Program may be able to help
students find help in subjects not offered directly through
Tutorials. (831) 479-6470.
https://www.cabrillo.edu/services/tutorials/
Check out other free learning resources on campus:
https://www.cabrillo.edu/home/learning.html
Writing Center & English as a Second Language Lab provides
assistance in composition, style, grammar, and spelling for any
Cabrillo student referred by a counselor or instructor.
831.479.6319 or 831.479.5790
Page 18
2015-16 Policies Affecting Eligibility
Submitting 2014 TAXES for Verification
Based on Federal Regulations, colleges cannot accept Tax Returns for verification. You must either use the IRS Data
Retrieval link on your FAFSA at www.fafsa.gov (NOTE: Your name and address on the FAFSA must be identical to your
name and address on your taxes.) ~OR~ You may submit a signed copy of yours’ (and in the case of dependent student)
your parent(s)’ 2014 IRS Tax Return Transcript. Request a Tax Return Transcript from the IRS online at irs.gov
Choose ‘Get a Transcript Online’ for a PDF; ‘Get Transcript by Mail’ to be sent a paper transcript; or call 1-800-908-9946.
Pell Grant Lifetime Eligibility Used (LEU)
Federal Regulation now limits Pell Grant to the equivalent of 12 full time semesters or 600% LEU for your entire academic
career. This regulation is retroactive to the first time you attended college and received a Pell Grant. LEU does not include
terms you did not receive a Pell Grant. You can log on to www.nslds.ed.gov to view your LEU.
High School Diploma - GED Requirements
Federal regulation states that only students with a high school diploma or GED are eligible for federal financial aid.
Students can no longer qualify for federal financial aid by passing an Ability to Benefit Test (ATB) or completing 6 Degree
Applicable Units. This applies to students who enrolled in a degree program after July 1, 2012 for the first time.
Loan Applications
Students may submit only one loan application per school year. Loan increase requests are no longer accepted. Progress
reports from instructors may be required for students with a SAP status of Warning or Probation before loan funds can be
disbursed. Beginning July 1, 2013, new borrowers may only receive Subsidized loans up to 150% of their current
program. The repayment period begins six months after the student is no longer enrolled at least half-time.
Undeclared Major Not Eligible for Federal Financial Aid
Per federal regulation, only students with a declared eligible academic major are eligible for Federal Financial Aid.
Undecided majors are not eligible. Declare your major through your WebAdvisor account & let us know by submitting an
electronic Student Correspondence via your eforms account.
Educational Plans
Educational Plans required for Financial Aid will now be prepared on your WebAdvisor on a new link called Student
Planning. Make an appointment to attend an Educational Plan Workshop with an Academic Counselor. (831-479-6274)
You will be able to develop your own preliminary Ed Plan which can be completed and approved by an Academic
Counselor. Counselor approved Ed Plans will be archived electronically for Financial Aid and available to students on their
WebAdvisor Timeline. Educational Plan Workshop Calendar: http://www.cabrillo.edu/services/counseling/
Pace of Progress
Based on Federal Regulation, the college must evaluate each student’s cumulative Academic Progress. This includes each
student’s entire academic history at Cabrillo. We can no longer look at student’s academic performance in recent terms to
consider appeals and reinstatement. To meet SAP, students must have completed 67% of all units attempted. This ratio is
called your Pace of Progress. To maintain Satisfactory Status, students must also maintain a cumulative Grade Point
Average (GPA) of 2.0.
Financial Aid Course Repeat Policy
 Federal Regulation limits the number of times a student may get paid financial aid for courses being repeated.
Previously passed courses with a “D” or better can only be repeated once for financial aid payment. Repeat policies
from the federal government apply to financial aid. Repeat policies from the State of California are different and apply
to enrollment.
 Repeating courses can affect your SAP status. For Federal Financial Aid purposes, if you repeat a course to improve
your grade, all grades, including drops and withdrawals, will count toward your cumulative GPA and Pace of progress.
 If courses MUST be repeated to complete a major requirement for graduation, the Division Dean will confirm the
academic requirement with Admissions and Records.
2015-16
Page 19
Other/Off Campus Resources
http://www.cabrillo.edu/services/finaid/support.html
Financial Aid Rights and Responsibilities
http://www.cabrillo.edu/services/finaid/eligibility.html
Check Your Status Online!
Visit our updated Check My Status page at go.cabrillo.edu/mystatus for instructions on how to check your
financial aid status.
Self-Service Scanner
No More Waiting In Line to Turn in Financial Aid Documents!
There are scanners available in Aptos and Watsonville Financial Aid lobbies. Students can scan requested
documents themselves. Make sure your documents are Complete! No Blanks. You will need to know your
Student ID Number!
eServices Days!
Need help with forms? Cabrillo Enrollment Services hosts eServices Days!
Every 2nd Friday in Aptos & Every 3rd Friday in Watsonville. Get help with:
FAFSA
Dream Application
BOG
Chafee
eForms
WebAdvisor
IRS Tax Return Transcripts
Selective Service
AmeriCorps Requests
CCC Apply
Transcripts
Loan History
Enrollment Verification
Good Student (for Insurance)
FSA ID and Password
Check the Financial Aid website to learn the dates of our next eServices Day!
http://cabrillo.edu/services/finaid/fafsaworkshops.html
Constitution Day
Constitution Day was created by the U.S. Department of Education so that colleges awarding
Federal Financial Aid would hold events focusing on the U.S. Constitution. We hold our
celebration on or about September 17th each year, the anniversary of the Constitution’s
ratification. All students, members of the public, and the Cabrillo College community are
invited to take part in this important civic event and learn more about the philosophical and
legal foundations of our federal government.
2015-16
Page 20
Eligible Financial Aid Degrees/Majors
Accounting/Finance:
Accounting
American Studies
Anthropology
Art History
Art Photography
Art-Studio
Asian Studies
Astronomy
Bilingual/Bicultural Studies
Biology
Business:
General Business
Chemistry
Communication Studies
Computer Applications/Business Technology:
A.S
Cert
A.A.
A.A./A.A.-T
A.A./A.A.-T
A.A.
A.A.
A.A.
A.S.
A.A.
A.A.
A.A.
A.A.
A.A./A.A.-T
Computer/Business Applications
Administrative Support
A.S.
A.S./A.S.-T
A.S.
Cert
A.S.
Cert
Cert
A.S.
Cert
Cert
A.S.
Cert
Computer and Information Systems:
Computer Networking and System Administration
Cisco Certified Network Professional (CCNP) Security
Computer Support:
Computer Support
Computer Science:
C++ Programming
Java Programming
Programming
Web Programming
Cert
Cert
Cert
Cert
Construction Management:
Building Inspection and Construction Codes .
A.S
A.S
A.S .
A.S .
Construction Management
Energy Management
Culinary Arts & Hospitality Management.
Dance
Dental Hygiene
Digital Media:
A.A.
A.S.
Digital Media/Publishing
Web Design
Web Development
Web Media
A.S .
A.S.
A.S./A.S.-T
Early Childhood Education:
Anti-Bias Education
Bilingual Spanish English Teaching
Curriculum Planning
ECE Administration
Children's Literacy Curriculum
Infant/Toddler Care
Teaching
Working W/ Culturally Diverse Families
Economics
Engineering, General
Engineering Technology
English
2015-16
Cert
Cert
Cert
Cert
Cert
Cert
Cert
Cert
Cert
Cert
Cert
Cert
Cert
Cert
Cert
Cert
A.A.
A.S.
A.S.
Cert
A.A./A.A.-T
Page 21
General Education:
General Science
Geography
Geology
Health Science/Community Health
History
Horticulture:
A.A.
A.A./A.A.-T
A.S.
A.S.
A.A.
A.A./A.A.-T
General Horticulture and Crop Production
Landscape Horticulture
A.S.
A.S.
A.S.
Human Services
International Studies
Journalism
Kinesiology
Liberal Arts & Sciences (Transfer):
A.A.
A.A.
A.A./A.A.-T
Interdisciplinary Studies
A.A.
Cert
Cert
Cert
Liberal Arts & Sciences (Non-Transfer):
Interdisciplinary Studies
Liberal Studies (Elementary Ed.)
Mathematics
Medical Assisting
Music
Nursing
Philosophy
Physics
Political Science
Psychology
Public Safety:
Administration of Justice
Criminal Justice: Corrections
Criminal Justice: Law Enforcement
Fire Service Management
Fire Technology
Radiologic Technology
Sociology
Spanish
Theatre Arts/Drama
Women's Studies
A.A
A.A
A.S./A.S.-T
A.S.
A.S.
Cert
A.A./A.A.-T
A.S.
A.A./A.A.-T
A.S./A.S.-T
A.A./A.A.-T
A.A./A.A.-T
A.A.
A.A.
A.A.
A.S.-T
A.S.
A.S.
A.S.
A.S.
A.S.
Cert
A.A./A.A.-T
A.A./A.A.-T
A.A./A.A.-T
A.A.
Legend:
A.A. is an Associate in Arts Degree
A.S. is an Associate in Science Degree
A.A.-T is an Associate in Arts for Transfer Degree
A.S.-T is an Associate in Science for Transfer Degree
Cert is a Certificate of Achievement
Based on the 2014-15 Catalog
If your Major/Program is not on this list, you are not eligible for Federal Financial Aid.
2015-16
Page 22