2009–2010
Financial Aid Handbook
Apply Today
for Financial Aid
Need help paying
for college?
Go to:
www.ccsf.edu/Services/Financial_Aid
to watch a short video on Frequently
Asked Questions about the Financial
Aid Process.
Financial Aid Office, Ocean Campus | Cloud Hall, Room 324 | 50 Phelan Avenue | San Francisco, CA 94112
Phone: (415) 239-3575/3576 | Fax: (415) 239-3917 | Online: www.ccsf.edu | FAFSA School Code: 012874
2
Welcome
Dear Student:
Financial Aid Office Hours:
Welcome to City College of San Francisco. Whether your
goal is to take credit classes to obtain a certificate, degree,
or transfer to a university, or to enroll in one of our clock
hour (non-credit) certificate programs, City College of San
Francisco is here for you.
While primary responsibility for your educational costs
rests with you and your family, we recognize that many
students will need financial help in order to attend school.
Financial aid programs are monies provided by federal and
state governments. These programs are regulated by laws to
make sure that everyone who wants a college education has
the financial ability to pay for college expenses.
If you need financial assistance, you must apply for aid
every school year using the FAFSA (Free Application For
Student Aid), even if you think you might not qualify.
Students in clock hour classes enrolled in an eligible
certificate program may also qualify for financial aid.
We encourage you to review the information included in
this handbook, as it explains how the process works, the responsibilities that come with receiving financial aid, and
the time limits for receiving it. If you have additional
questions, please visit our Financial Aid Information
Center in Cloud Hall, Room 331. We are available to
provide additional information, guidance, computer access
and applications to anyone interested in financial aid.
Sincerely,
Jorge Bell, Dean of Financial Aid, EOPS, & CalWORKs
Ocean Campus:
Monday –Thursday: 8:00 a.m.-4:30 p.m.
Board of Trustees
Milton Marks, President
Dr. Natalie Berg, Vice President
Dr. Anita Grier
Chris Jackson
John Rizzo
Steve Ngo
Lawrence Wong
Joshua Nielsen, Student Trustee
Dr. Don Q. Griffin, Chancellor
Please Note: Bolded terms in this handbook are
defined on Page 22.
Please see CCSF Catalog for disclosures on a
student’s right to privacy, campus security, student
right to know, and equal opportunity statement.
Friday: 9:00 a.m.-12:30 p.m.
Mission Campus:
Call for hours of availability
Chinatown/North Beach Campus:
Call for hours of availability
Information Center Hours - Ocean Campus:
Monday –Thursday: 8:00 a.m.- 4:30 p.m.
Friday: 9:00-12:30
Financial Aid Office Locations:
Ocean Avenue Campus
50 Phelan Avenue
C-324
Phone: (415) 239-3575/3576
Mission Campus
1125 Valencia Street
Room 114
Chinatown/
North Beach Campus
940 Filbert Street
Room 105
Phone: (415) 561-1850
Phone: (415) 551-1134
Federal Processor: For more information about the
status of your application, call 1-800-4-FED-AID or 319337-5665 or visit online at www.studentaid.ed.gov.
For Disabled Students: Disabled students who need
assistance with accessing and processing financial aid at City
College of San Francisco, and who are unable to gain access to
the Financial Aid Office should contact the Disabled Student
Programs and Services Office at (415) 452-5481.
Arrangements will be made to have a Financial Aid staff
person meet with these students at the Disabled Student
Programs and Services Office, Rosenberg Library, Room 323.
Accreditation: CCSF is accredited by the Western Association of Schools and Colleges. Professions accredited:
Associate Degree Nurse; Dental Assisting; Dental Laboratory Technology; Diagnostic Medical Imaging; Emergency
Medical Technician Paramedic; Hotel and Restaurant
Operation; Licensed Vocational Nurse; Medical Assistant;
Radiology Technology.
What’s Inside
3
Welcome
2
How Can I Pay for City College of San Francisco?
4
How Can I Get Financial Aid?
5
Special Circumstances
6
Tips For Completing the FAFSA
7
Important Deadlines & Internet Resources
8
Federal Programs
9
Board of Governor’s Fee Waiver
10
Cal Grants
11
Student Budget & Distribution of Aid
12
Required Documentation
13
Additional Resources
14-15
Satisfactory Academic Progress Policy (SAP)
16-17
Appeal Procedure
18
Return of Title IV (Federal Financial Aid) Funds & Overpayments
19
Federal Stafford Loan Program
20-21
Financial Aid Terms
22
Scholarship Resources
23
Terms of Agreement
24
“Financial Aid enables me to attend CCSF full-time”
An Interview with Khine Thazin, CCSF Student
Tell us about yourself. I immigrated to the U.S. from Burma
in 2003. At CCSF, I am studying Nursing because it
matches my personality and I like helping people.
How do you pay for City College? I receive the BOG Fee
Waiver, Cal Grant B, Pell Grant, and Work Study.
When I started at CCSF, I was a non-resident, and
Financial Aid helped a lot because the fees are higher
for non-residents. Also, I like my campus job because
it lets me work around my class schedule and I don’t
have to commute to it.
What would you do without Financial
Aid? If I didn’t have Financial Aid, I think I
would still go to school, but probably not
full-time.
What advice do you have for other students? For
many immigrant students,
it can be hard to communicate with teachers.
My advice is: Don’t be shy. Talk with professors.
They can help you understand material you don’t
understand right away.
4 How Can I Pay for
City College of San Francisco?
Once you decide that you want
to attend City College of San
Francisco, you need to figure
out how to pay for it. This may
seem like a big task but don’t
be intimidated. There are many
resources available to help you.
There are many ways to pay for
all the costs associated with attending college (see below for a
list of costs). You can pay
using your savings, help from
family, earnings from working
a full or part-time job,
scholarships, or financial aid
grants from the government.
After exhausting all these
options, there are also loan
programs to carefully consider,
but these should only be considered as a last resort.
Both the Federal government and the State of
California have put aside considerable financial aid to
help people pay for a college education.
The most appealing type of support you might receive
is a grant, such as the Federal Pell Grant, or the State
Cal Grant. Grants are a great way to pay for college
because the money you receive does not typically need
to be paid back.
To determine what you might be eligible to receive,
you must fill out the FAFSA (Free Application for
Federal Student Aid) and for consideration of a Cal
Grant, you must submit a GPA Verification Form to
the California Student Aid Commission (CSAC) by
March 2nd each year. If you have at least 24 degree
applicable units completed at CCSF, we will
automatically send the GPA Verification electronically
to CSAC for you.
California residents who meet
certain eligibility requirements
may have their enrollment fees
waived entirely through the
Board of Governor’s Fee
Waiver program (BOGW).
More students qualify for this
program than any other at
CCSF. See details on Page 10.
Some students also participate
in student employment
through the Federal WorkStudy or CCSF Lab Aide
programs. These are part-time
jobs through the college.
You will also benefit from
meeting with an academic
counselor to develop a Student
Educational Plan, making sure
you choose the courses that
are required to meet your educational goals within the
allowed time frame to qualify for financial aid.
You may be eligible for financial aid whether
you take credit or clock hour courses. The BOGW program only applies to the credit program where there is an enrollment fee. There is no enrollment fee for taking clock hour courses.
!
Costs can include enrollment and health fees and/or tuition, transportation, housing, personal expenses, and books, and may include expenses related to dependent care, a disability, cost of a computer purchased for school, or study abroad. How Do I Get Financial Aid?
5
1
Fill out the FAFSA
To apply for financial aid, you must fill out the Free
Application for Federal Student Aid called the FAFSA.
(Separately, you must apply for admission to City
College of San Francisco.)
• Apply online at www.fafsa.ed.gov. You will need a
PIN (Personal ID Number) so you can e-sign the
FAFSA. A PIN can be obtained at www.pin.ed.gov. If
you are a dependent student, get a PIN for your
parent too.
• When applying online, first complete the Pre-Application Worksheet. Then complete the online application and follow the signature instructions. Be
sure to list City College of San Francisco (FAFSA
School Code: 012874). If you need help, please visit
the Information Center, Cloud 331.
2Wait for notification
The Federal Processor reviews your application and
sends you a Student Aid Report (SAR) summarizing
the information you submitted. The school also receives
an Institutional Student Information Record (ISIR)
which is an electronic version of your FAFSA. Once we
receive your information electronically, we will send
you a notification entitled “Tracking Letter” to your
CCSF e-mail account if your file is incomplete*. We do
require that all requested documents be submitted at the
same time in person to our office unless you reside more
than 90 miles from San Francisco.
Once we receive all your paperwork, you will receive an
Award Letter and a payment schedule indicating the
amount and type of aid you are eligible to receive. This
financial aid “package” awarded to you at CCSF cannot
be transferred to another educational institution.
* The U.S. Department of Education randomly selects
files for verification, which may delay the process. The
verification process is explained on Page 7.
3
Investigate other options
You should also investigate scholarship opportunities
and other sources of support. A good place to start is
with our Scholarship Office at Batmale Hall, Room
366, 415-239-3339 or check out their website at
www.ccsf.edu/Services/Scholarships.
Eligibility Requirements
for Federal Financial Aid
•
Be enrolled in an eligible program, seeking
either an associate degree, eligible certificate
at CCSF or transfer to a university.
•
Have a high school diploma, GED (or equivalency),
or have passed an independently administered
“Ability to Benefit” test approved by the U.S.
Department of Education.
•
Be a U.S. citizen or eligible non-citizen.**
•
Submit all required forms and documents
requested by the Financial Aid Office.
•
Meet and maintain Satisfactory Academic Progress
standards established by the Financial Aid Office.
•
Have financial need (except in the case of unsubsidized loans), as demonstrated by a completed
FAFSA and financial aid office review.
•
Be registered with the Selective Service if you are
a male from 18 through 25 years of age.
•
Do not owe a refund or a repayment on a federal
grant.
•
Not be in default on a federal educational loan and
not have borrowed in excess of the annual or
under-graduate aggregate loan limits.
•
Have a valid Social Security Number. If you are
a dependent student, your parent is not required
to have a valid Social Security Number. (Enter
zeroes on the FAFSA for parents who do not have
a valid Social Security number.)
•
Not convicted of possession or selling illegal
drugs while enrolled and receiving financial aid.
**Who is an Eligible Non-Citizen?
U.S. Permanent Residents with a Permanent Resident
Card (I-551) or Conditional Permanent Residents (I551C) or those with an Arrival-Departure Record (I-94)
showing the designations of Refugee, Asylum
Granted, Parole or Cuban-Haitian Entrant or those with
an Immigration Court document approving Asylum or
documentation of entering the U.S. under provisions of
the Victims of Trafficking and Violence Protection Act.
6
Special Circumstances
Are you Dependent for the FAFSA?
(In other words, will you be required to provide
Special Circumstances for Families
parental information on the FAFSA?)
1. Are you 24 years old as of January 1st, 2009?
2. At the beginning of the school year, will you be working
on a master’s or doctorate program?
3. As of today, are you married?
4. Do you have children who receive more than half of their
support from you?
5. Do you have dependents (other than your children or
spouse) who live with you and who receive more than
of their support from you?
6. Are you a veteran of the U.S. Armed Forces?
7. Are you currently serving on active duty in the Armed
Forces other than training?
8. At any time since age 13, were both of your parents
deceased, were you in foster care, or were you a
dependent or ward of the court? (“Ward/dependent of
the court” means you were removed from your parents’
custody by a family court for your protection.)
9. Are you or were you an emancipated minor as
determined by a court in your state of legal residence at
the time you received the determination?
10.Are you or were you in legal guardianship as determined
by a court in your state of legal residence at the time you
received the determination?
11.At any time on or after July 1, 2008 did your high school
or school district homeless liaison determine that you
were an unaccompanied youth who was homeless?
12.At any time on or after July 1, 2008 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?
13.At any time on or after July 1, 2008 did the director of a
runaway or homeless youth basic center or transitional
living program determine that you were an unacompanied youth who was homeless or were self-supporting
and at risk of being homeless?
The income information required on the FAFSA
is for the previous calendar year. What if a
family’s income changes because of a loss of
employment, an accident, or an illness?
If the family income has changed for the coming
award year, you may file a “Request to Consider
Projected Income (RPI)” (please speak with a
Specialist in the Financial Aid Office for an RPI)
AFTER you file your FAFSA and complete all of your
documentation. The Financial Aid staff can use
estimated income to determine eligibility for programs. The family income can also be reduced due
to other unusual financial situations.
Remember! When you complete the FAFSA,
if you are dependent, a parent cannot be
counted in the number in college, unless done
under Special Circumstances.
Financial Aid Determination Formula
Student Budget
If you answer “Yes” to one of the above questions, you will
be considered Independent and will not be required to
submit parent information.
There is one other condition in which you may be considered
Independent. The Financial Aid Office can use Professional
Judgment to review cases of stu-dents with special
circumstances.
(Determined by the College)
–
–
Expected Family Contribution
(Determined by federal processor)
Resources
(Such as BOGW, Book Vouchers, etc)
In extreme hardship cases, the Financial Aid Office may be able
to assist a student who is technically depen-dent, but who has
unique and extenuating circum-stances that prevent contact
with his/her parents. This may include when parents are
incarcerated, incapaci-tated, or severely disabled, parents are
unknown, can-not be located or cannot be contacted through
normal means of communication or there are adverse home
conditions such as abuse, family violence, or where the
student’s emotional or physical welfare is jeopardized.
In such cases, the student must complete and provide written
documentation, and a third party verification. Ask to speak
with a Specialist in the Financial Aid Office who will discuss
your situation and provide a “Request for Review of
Dependency Status” for completion by you and a third party.
= Need
Tips For Completing the FAFSA
• List City College of San Francisco (Federal School
Code 012874) when completing the FAFSA so the
results of your application are sent to our offices
electronically.
• Apply early for best results. March 2nd, 2009 is
the entitlement and first competitive Cal Grant
deadline for the 2009-10 award year.
• Be patient with the process and respond quickly to
any request for information. Delays in submitting
documents will extend the time it takes to determine your eligibility.
• Collect the following documents in advance to help
you complete the application process (see www.
fafsa.ed.gov for a complete listing of documents
you might need to complete the application).
Do not submit any documents to the Financial Aid
Office unless requested, but keep copies so you are
ready if needed. Gather parent information if you
are a dependent student as described on Page 6, or
spouse’s information if you are married.
1. Social Security Card (Use this name on the
FAFSA)
2. California ID or Driver’s License
3. Copy of your Federal Income Tax Return IF
filed (parents or spouse, if applicable). If not
filed use best information available such as
W-2s.
4. Information on the Family’s Untaxed Income
5. Information on Veteran’s Educational
Benefits, if applicable
• To be considered for State Aid, your state of legal
residency must be California. If you leave FAFSA
question 18 blank, or list any other state, you will
not be considered for the Cal Grant Program.
California residents pay a lot less than nonresidents at CCSF.
• Do not leave FAFSA Question 31 (convicted of
possessing or selling illegal drugs) blank. The
Federal Government requires this question be
answered.
• Don’t pay for financial aid advice. All financial aid
applications and assistance are “free” of charge.
Verification: If the U.S. Department of Education
Students who have earned a BA/BS or higher
selects your FAFSA application for verification, the
degree will only be considered for the State Board of
information on your FAFSA must be verified with the
Governor’s Fee Waiver (if you are a California Resi-
documents you submit to the Financial Aid Office. Your
dent), Federal Work Study (based on availability of
file will be reviewed by a Financial Aid Specialist. If the
funds) and/or Federal Subsidized/Unsubsidized
information on the documents you provided us is
Stafford Loans, and Federal Perkins Loan (based on
availability of funds).
inconsistent with the information you reported on your
FAFSA, you may receive a follow up letter informing
you of the steps you will need to take in order for the
awarding process to continue. It may be necessary for
us to make corrections and send them to the Federal
Processor before the award can be determined. You
will be notified by CCSF of any corrections made. A
corrected SAR will follow from the Federal
Processor.
7
8 Important Deadlines
& Internet Resources
December
March 2
Learn about the Financial Aid application process
for the next award year. Get a FAFSA application
by going to the web at www.fafsa.ed.gov to
become familiar with the application process. DO
NOT SUBMIT THE FAFSA UNTIL JANUARY 1 for
the next award year.
Deadline for the California Student Aid Commission
January 1
Begins the processing cycle for the next award
year’s FAFSA. Apply as early as you can.
(CSAC) to receive your FAFSA and completed Grade
Point Average (GPA) Verification Form* 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.
*CCSF will provide the GPA Verification automatically if you have completed at least 24 degree applicable units at CCSF.
To include transfer units, you must provide an official transcript to Admissions & Records AND request an evaluation be
done at least one week prior to the Cal Grant deadline date. A paper GPA Verification form must be submitted.
Your FAFSA must be processed by the Federal Processor by the dates listed below for federal aid. Other
docu-ments required to complete your application must be received no later than two weeks from your last
term of attendance.
Final Term of Attendance
FAFSA Processed
by Central Processor
Documents Due
in Financial Aid Office
Fall 2009
December 18, 2009
January 15, 2009
Spring 2010
May 27, 2010
June 11, 2010
Internet Resources
US Department of Education: Financial aid
I Can Afford College:
information on the Internet.
Website: www.icanaffordcollege.com
Website: www.studentaid.ed.gov
CA Student Aid Commission: Information and
National Student Loan Data System (NSLDS):
assistance about Cal and Chafee
Information about loans and grants you
Grants. Website: www.csac.ca.gov
received Website: www.nslds.ed.gov
E-mail: custsvcs@csac.ca.gov
Call: 1-888-CA-GRANT or 1-888-224-7268
Federal Grants, Federal Work-Study
and Federal Student Loans
9
When the FAFSA process is complete, students will receive an Award Notification Letter detailing
eligibility for federal and state financial aid programs.
Federal Pell Grant: The Pell Grant program is the larg est grant program in the country. It is the foundation for an
award package. Pell Grants provide financial assistance to
eligible part-time and full-time students, and are calculated based on a student’s enrollment and Expected
Family Contribution (EFC). Awards range from $609 to
$5,350 (amounts may change each year).
Since the Pell Grant program is an entitlement program,
funds are always available to qualifying students. There is no
unit cut off for the Pell Grant program, so a student may be
enrolled in as little as half a unit. If a student applies late in a
term, but qualifies for a Pell Grant, he/she will be paid
retroactively for the work completed during that enrollment
period. Payments are pro-rated based on enrollment level.
The payment levels are full-time (12 or more units), threequarter time (9-11.5 units), half-time (6-8.5 units), and less
than half-time (.5-5.5 units).
Academic Competitiveness Grant (ACG): These grants
are for full-time, Pell-eligible students who have completed a
rigorous high school program of study after January 1, 2005
and maintain a 3.0 grade-point average while in college. A
rigorous high school program includes the California Golden
State Seal Merit Diploma, the State Scholars Initiative
Requirements, the set of courses similar to the State Scholars
Initiative, or 2 AP (Advanced Placement) courses with a
minimum passing score of 3. A student must be a U.S. Citizen to qualify, and cannot have attended college before. The
award amounts are $750 for first year and $1,300 for second
year. Since this is a new federal program, final guidelines are
still being determined by the U.S. Department of Education.
Federal Supplemental Educational Opportunity
Grant (FSEOG): The Federal Supplemental Educational
Opportunity Grant is a limited grant fund for students who
are Pell Grant eligible who have a 0 EFC (Expected Family
Contribution). The award can range from $100 to $230 per
award year. Upon reassessment of available funds, FSEOG
may be awarded to students with an EFC higher than zero.
Federal Work-Study (FWS): Federal Work-Study is a
program that offers jobs to students who demonstrate
financial need. Awards range from a minimum of $1,500 to
a maximum $3,000. The estimated amount of FWS on your
award letter does not guarantee an award. To be awarded,
an office or agency approved to participate in the FWS
program by the CCSF Financial Aid Office must offer you
employment. The Career Center (CDPC) in Science Hall,
Room 127, helps to locate student employment with CCSF.
Federal Subsidized Student Loans: The Federal Subsidized Student Loan is a need-based student loan program
designed to assist students with educational expenses while
attending at least half-time in an eligible program of study.
This student loan is insured by the federal government and
guaranteed by a guarantor, such as the California Student Aid
Commission (CSAC) via EdFund, an auxiliary servicer.
The subsidized student loan is based on unmet need after
subtracting out grants, work-study, and other resources such
as scholarships. The interest is subsidized (paid) by the
federal government as long as the student is enrolled at least
half-time. The interest is also paid for the student during the
six-month grace period. The grace period begins the day the
student drops below half-time status.
Federal Unsubsidized Stafford Loans: Eligibility
for subsidized student loans will be reviewed first. The
unsubsidized student loan does not require need to
qualify. The interest on this loan begins to accrue (be
charged) to the borrower when it is funded. Students have
the option of making interest payments or capitalizing the
interest (adding to the principal amount borrowed).
Federal Perkins Loans: The 5-percent Federal Perkins
Loan assists students who have exceptional need and have an
EFC of $5,000 or less. The interest is subsidized by the federal
government through a nine-month grace period. Awards range
from a minimum of $200 to a maximum of $800.
BOGW (Enrollment Fee Waiver)
10
California Residents in CCSF Credit Hour Program May Have Fees Waived
California residents who attend CCSF and enroll in the
credit hour program may be eligible to have their
Enrollment Fee waived by the State of California.
There are three ways to qualify. Use the Board of
Governor’s Fee Waiver application for Method A, B
or S, or use the FAFSA for Method C.
Method A
For families who are receiving cash assistance from
TANF/Cal-Works, SSI/SSP or General Assistance.
Proof of benefit is required.
Method B
For families who meet the INCOME CRITERIA.
Dependent students must use the Parent’s income (do
not include the student’s income). Income includes
adjusted gross income, wages not reported on a tax
return, all untaxed income, and cash received or any
money paid on your behalf (See chart).
BOG Fee Waiver Method B
Family Size
2008 Income
Special Classifications
The following special classifications are also eligible
for fee waivers: some dependents of Veterans or
National Guard; recipient or the child of a recipient of
the Congressional Medal of Honor or a dependent of a
victim of the September 11, 2001 terrorist attack; or a
dependent of a deceased law enforcement officer or
fire suppression personnel killed in the line of duty.
Submit all documentation. Proof of status is required.
Method C
COMPLETE THE FAFSA APPLICATION. The
Financial Aid Office will determine unmet need after
an Expected Family Contribution has been
established. A Board of Governor’s Enrollment Fee
Waiver will be issued to anyone with at least $1 of
unmet need (Student Budget minus the EFC equals
the amount of unmet need).
“There is a lot of help
available”
An Interview with Maurice Roberson,
CCSF Student
1
$15,600
2
$21,000
3
$26,400
4
$31,800
5
$37,200
children. I volunteer with kids in the
6
$42,600
Tenderloin District of San Francisco
7
$48,000
8
$53,400
Tell us about yourself. I am studying
Psychology. I am particularly
interested in the psychology of
and want to help young people so
Each Additional Family Member
$5,400
The income standards chart is adjusted each school
year. These standards are for the 2009-10 academic
year (beginning Fall 2009) and are to be used to
determine BOG B eligibility effective July 1, 2009.
that they can take advantage of
life’s opportunities.
How do you pay for City College?
I receive the BOG Fee Waiver and Work Study. What
advice do you have for other students? The hardest
part about getting financial aid is walking through the
door and asking for help. Once you do that, you will
find that there is a lot of help available.
Cal Grants
11
Cal Grants are state-funded, need-based, cash grants given
takes into account a variety of factors such as family in-
to California college students to help pay for college.
come, parents’ educational level, etc. Funding is limited.
To be eligible, in addition to meeting federal
aid requirements, a student must:
1. Be a California resident as defined by the
California Student Aid Commission, and
2. Not have a bachelor’s or professional degree, and
3. File a completed FAFSA and Cal Grant GPA
Verification form by March 2nd. All students
should try to meet the March 2nd deadline for the
Entitlement and primary Competitive Grant consideration, but for California Community College
students there is a second Competitive Grant filing
deadline of September 2nd, and
4. Have remaining financial need.
Cal Grant B
This grant is for students who are the first in their family to attend college, and who are from disadvantaged or
low-income families who otherwise would not be able to
pursue higher education. This grant may be used at a
community college or a university for up to four years.
For first-year recipients, the award helps with living
expenses, books, supplies, and transportation. If renewed
after the first year, a Cal Grant B award will be
increased to help with the cost of tuition and fees if you
have transferred to a 4 year school. We recommend
accepting payment at CCSF for no more than two years
if you plan to transfer. Request a leave of absence with
CSAC to preserve the grant for transfer.
Cal Grant B Entitlement Award: Every
graduating high school senior or recent high school
graduate who has a G.P.A. of at least 2.0, meets
the Cal Grant eligibility requirements, and applies
on time (March 2, 2008), 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 G.P.A. may compete for this
award. Selection is based on a composite score that
Cal Grant C
This grant helps vocationally oriented students
acquire marketable job skills. Training must lead to a
recognized occupational goal: diploma, associate
degree or certificate. Cal Grant financial need criteria
must be met. Funding is limited.
California Community College
Transfer Entitlement Award
This is either a Cal Grant A or Cal Grant B. High
school seniors who graduated after June 30, 2000, attend a California community college and then transfer to a 4-year California school may be eligible for
this award. Eligible students must have at least a 2.4
G.P.A., meet the Cal Grant income/asset criteria and
other requirements, and be under 28 years of age as
of December 31st of the award year.
Cal Grant A
This grant is for students from low and middle
income families. The grant assists with the cost of
tuition and fees at a four-year California college or
university. If you are awarded a Cal Grant A, but
attend a Community College, your award will be
placed on reserve for up to three years, until you
transfer. The award is renewable for up to four years.
Cal Grant A Entitlement Award: Every graduating
high school senior or recent high school graduate who
has a G.P.A. of at least 3.0, meets the Cal Grant income/asset criteria and other eligibility requirements,
and applies on time, is guaranteed this award.
Cal Grant A Competitive Award: Other students
who meet the basic Cal Grant eligibility requirements and who have a G.P.A. of at least 3.0 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. Funding is limited.
Cal Grant B and C payments are prorated for students enrolled less than full-time.
For current information on Cal Grants, visit www.csac.ca.gov or www.webgrants4students.org
12
2009-2010 Student Expense Budget
August 2009 through May 2010
Allowance
Student Living With Parents
Student Living Away From Home
Two Semesters
One Semester Two Semesters One Semester
Fees (Subject to Change) Credit Program Only
738
369
738
369
4,644
2,322
11,160
5,580
Transportation
882
441
882
441
Personal/Misc.
2,772
1,386
2,664
1,332
Books & Supplies
1,638
819
1,638
819
Cost of Education
10,674
5,337
17,082
8,541
Food/Housing
Non-Resident Tuition for 2009-2010 is $179 per unit
(subject to change). For Non-Resident students, add $4,847 to
the cost of education listed above for Two Semesters; $2,424
for One Semester.
Additional Expenses:
Dependent/Child Care Allowance: Reasonable expenses with
adequate documentation based on the number and ages of
student’s dependents. Used only on a case-by-case basis.
Disability Related: Allowance for expenses related to disability
if not covered by another agency. (These expenses do not
apply to students enrolled less than half-time.)
Cost of Computer: Purchase of a computer system (reasonable cost up to $3,000.) Based on adequate documentation.
Transportation Cost: Increase in transportation costs is allowable if properly documented (Refer 682.200 3 4CFR).
Books & Supplies: Includes Books ($864), Educational
Supplies ($216), Course Material fees ($126) and Computer
Related Expenses ($360). Excludes the cost associated with
the purchase of a personal computer.
Less than Half-Time Cost of Attendance: $3,258 (Fees ...
$738 + Books & Supplies ... $1,638 + Transportation ... $882).
The California Community College standard has been used in
construction of the student expense budget.
Study Abroad: International program costs determined by
CCSF on an individual basis.
Distribution of Aid
A disbursement schedule for when grant and loan
payments will be made is provided to students awarded
by CCSF prior to the start of each term.
The estimated amount of time involved to credit your bank
account is two to four working days from the date of
disbursement to your CCSF student account.
Your payment amount is based, in part, on your enrollment
level (remember—there are four enrollment levels for financial aid). In most cases, we make your payments in two
installments (unless we award you late in the term). When the
second installment is paid, we “lock” your enrollment level for
all programs except for Stafford Loans. Classes added after
this lock date can not be used to adjust your payment.
If you do not have a bank account currently, you can establish an account at no or low cost through the following
website: www.bankonsf.org. This service is sponsored by the
City and County of San Francisco Treasurer’s Office and the
Federal Reserve Bank of San Francisco.
Direct Deposit – This is the primary and fastest way to
receive financial aid funds. Complete our “Direct Deposit
Authorization” form. With this form, you must provide proof of
your bank account number and a transit/routing number. This
can be verified by a voided check OR provide a print out of
your bank account information. Provide this to our office at
least two weeks before payment is to be made.
On a limited basis, you may request to pick up checks. Checks
are released at Conlan Hall, Room 104. The request is filed
with the Financial Aid Office and takes two weeks to process.
This is intended as a short term option until an active bank
account has been established so future payments can be
made via direct deposit. The estimated amount of time
involved to produce these manual payments is up to fourteen
days from the date of disbursement to your CCSF student
account.
Required Documentation
The following forms are mailed to you and must be
submitted to the Financial Aid Office as soon as possible in person (mailed forms are accepted only if
you reside more than 90 miles from CCSF):
•
•
Educational Program Certification (EPC)
Ability to Benefit Status (ATB)
If you are selected for verification by the U.S.
Department of Education, you must provide the
Financial Aid Office with documents to verify the
information you reported on the FAFSA application.
Any and/or all of the following may be required:
•
•
•
•
Copy of 2008 Income Documentation of all 2008
income, including a completed and signed 2008
Federal Income Tax Return. (STAX08 and
PTAX08)
Independent (or Dependent) Student Family Information Worksheet (IFI or DFI)
Parents Income Certification (PIC08)
Student/Spouse (if married) Income Certification
(SIC08)
Examples of Other Required Documentation
•
•
•
•
•
•
•
Eligible Non-Citizen Documentation (I-551, I-94 or
Asylum Letter)
Selective Service Documentation
Social Security Card (with signature)
Federal Student Loan Default Letter proving
resolution of loan default status.
Current State Identification
Entrance Loan Counseling
Financial Literacy Workshop
13
First time borrowers from CCSF of the Federal
Perkins Loan must complete a loan entrance interview
online for their first award year. In addition, a promissory note must be completed each award year for all
students awarded a Federal Perkins Loan before funds
can be released.
All borrowers of the Federal Stafford Loan at CCSF
must complete a loan entrance interview each year. In
addition, a Financial Literacy Workshop must be done
in person. A schedule of these workshops is available
at the Financial Aid Office.
Recordkeeping Advice
• Make and keep photocopies of all forms submitted.
Request for copies of documents must be made in
writing. Please allow at least ten (10) working
days to process your request. All documents
become the property of City College of San
Francisco. Documents will not be returned to you
or forwarded to another school.
• Federal income tax returns (IRS 1040, 1040A,
1040EZ) should be filed early so that, if requested,
you can submit a photocopy to the Financial Aid
Office.
“Follow Your Dreams and Goals”
An Interview with Olga Kudrya, CCSF Student
Tell us about yourself. I am originally from Russia and I have
How do you pay for City College?
lived in the US for the past 6 years. I am taking GE classes at
CCSF and plan to transfer to San Francisco State to study
Accounting.
I get the BOG Fee Waiver and Work Study.
Why did you choose to attend City College?
my schedule. With-out Financial Aid, I
My friends told me about the great teachers and staff at
City College. Also, community college is not as expensive
as other colleges, and the quality of education is high.
could not attend City College. It would not
Working on campus through Work Study
is great, because they let me work around
be possible.
What advice do you have for other students?
Follow your dreams and goals. City College will help you
attain them.
14
Additional Resources
African American Scholastic Program (AASP):
The AASP is a student development department that offers a wide
array of academic and social support services and programs.
AASP designed these programs and services to meet its threepronged goal: increase retention, transfer and success of African
American students at CCSF. Services include academic
counseling, a retention program, a summer bridge program, peer
mentoring, tours and a transfer day fair of historically black colleges & universities, and a computer lab. Located in Rosenberg
Library, Room 209. For more information call 452-5315.
AmeriCorps: Americorps projects at City College offer
students an opportunity to serve the community as volunteers who tutor in elementary schools or prepare neglected
neighborhoods of our city for emergencies and disasters.
Volunteers serve from 8-10 hours a week for a school
year. You can earn a $1,250 education award that can be
used at any accredited college or university including City
College. Located in Batmale Hall, Room 325. Call 2393998 for more information.
Asian Pacific American Students Success Center
(APASS): APASS provides retention services which
include specialized bilingual workshops for college success,
academic counseling, peer mentors, tutors, study groups,
and a com-puter lab. Located in Batmale Hall, Room 208.
For more information call 452-5620.
Associated Students Book Loan Program:
This program offers books to students free of charge.
Campus Child Development Centers: Child development centers for low-income families with 3-5 year olds are
located at the Orfalea Family Center, Room 300 at the
Ocean Avenue campus, the Grace Child Development Center, the Mission CCC State Preschool, the Bernal Heights
State Preschool, the Oceanview State Preschool, and the
Rocky Mountain Parent Coop. Interested student/parents/
guardians should call the Child Development Department
Eligibility List number at 561-1895 at the John Adams
Campus, Room 138, for enrollment information or go to
www.sfcel.org.
Career Development & Placement Center (CDPC):
The CDPC provides career services to all CCSF students
and alumni. Assistance is provided in making career/job
choices, setting educational career goals, selecting a
major, becoming job ready, and seeking employment.
Services include individual career counseling, workshops,
career success courses, job & internship information and
refer-rals, networking, an annual career fair, & a career
resources library/lab. Located in Science Hall, Room 127.
For more information call 239-3117.
Counseling Services: Counseling services are available at
all campuses. New students to CCSF (those having com-pleted
less than 24 units) should inquire at the campus they attend for
service availability. Continuing students at CCSF (24 units or
more completed) can call 452-5235 or 452-5249 for services.
Students at CCSF interested in transferring can call 239-3748
It is offered to all CCSF students but is specifically targeted
or visit www.ccsf.edu/Services/Transfer_Center.
towards low-income students, with first priority given to fi-
Disabled Student Services & Programs (DSP&S):
nancial aid students enrolled in at least 12 units. Students may
DSP&S provides counseling, accommodations, support
borrow up to 3 books that are selected from general education
services and some classes for students with physical, psycho-
classes. Books are given on a first-come, first-served basis. All
logical, communication and learning disabilities in compli-
books must be returned at the end of the semester or a “hold”
ance with Section 504 of the Americans with Disabilities Act
will be placed on the student’s academic record. For more
(ADA). Located in Rosenberg Library, Room 323. For more
information come to the Student Union or call 239-3914.
information call 452-5481 (or 452-5451 for VTDD).
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. The program includes education, training
and support services, as well as employment opportunities
related to the individual goal of each participant. Located in
Bungalow 609. For more information, call (415) 452-5700.
Extended Opportunity Programs and Services
(EOP&S): The EOP&S program’s primary goal is to assist
students affected by language, social, economic, and educational disadvantages to enroll in a community college and to
facilitate the successful completion of their educational
objectives including occupational certificates, associates
degrees, and transfer to baccalaureate institutions. EOP&S
15
offers outreach and recruitments, academic counseling and
retention services, college registration, financial aid and
other support services over, above, and in addition to those
provided to all students in the college. The EOP&S Office
is located behind Smith Hall. Please call (415) 239-3561.
Latino Services Network (LSN): The Latino Services
Network provides bicultural/bilingual services in English
and in Spanish as well as linkages to City College and community programs and services relevant to Latino students.
We provide counseling, new student orientations in Spanish,
a computer lab, links to student organizations and support
groups, a book loan program, partnerships with selected
SFUSD high schools and access to selected classes with
support services. Located in Cloud Hall, Room 364. For
more information call 452-5335.
Learning Assistance Center: Services available
include tutors on a drop-in basis for a variety of subjects
including math, English, ESL, business, the sciences, and
the foreign languages. Computers are available for word
processing, internet access, and the usage of a variety of
educational software. Located in the Rosenberg Library,
Room 207. For more information call 452-5502.
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 college. To learn
more, contact the Bureau of Indian Education Programs at (916)
978-6058 or go to www.oiep.bia.edu. (File a FAFSA.)
California Student Aid Commission
Administered Programs
Chafee Grant for Foster Youth: TheChafee
Grant Program provides up to $5,000 annually to foster
youth and former foster youth to use for college
expenses. To qualify, a student must have been in foster
care between their 16th and 18th birthday. You can not
have reached your 22nd birthday as of July 1st of the
award year. Students could have been foster youth in
another state, now live in California, and apply in this
State. This is a need based grant awarded to students in at
least 6 units. There is no citizenship requirement to
qualify. Funding may be limited so apply early.
Applications are available on line at www.chafee.
csac.ca.gov or call 888-224-7268. A FAFSA must be
completed as well.
Child Development Grant: This grant is
available to California residents enrolled in approved
courses leading to a Permit issued by the Commission
on Teacher Credentialing. You must intend to teach or
supervise in a licensed children’s center in California
for at least 1 year. Awards are up to $1,000 per
academic year. You must be enrolled at least half-time,
making satisfactory progress, and demonstrate
financial need through the FAFSA. Nominations are
made by our Child Development Coordinator.
Veteran’s Affairs Office: If you are a U.S. veteran or
you are the dependent of a U.S. veteran, Veteran’s Educational Benefits may be available to you. Inquire on cam-pus
at 239-3486. Located in Conlon Hall, Room 2. For more
information, call the U.S. Department of Veteran’s Affairs
at 1-888-442-4551 or 1-800-827-1000 or go to
www.gibill.va.gov.
Financial Aid Handbook
Contact the Financial Aid Office with specific
rights reserved. Content cannot be reproduced
descriptions of state aid programs, please refer to
financial aid inquiries.
without permission.
the California Education Code.
Visit www.collegemediasolutions.com for more
information on this Guide and CA Community
College life. Published 2008 Printed in USA
Copyright © 2008 CareerAmerica, LLC. All
Every effort has been made to ensure the
accuracy of the information included in this
Guide. However, it has not been reviewed by the
U.S. Dept. of Education. For official
16 Satisfactory Academic Progress (SAP) Policy
For Students in the Credit Hour Program
Federal regulations require that all students receiving
financial aid meet the financial aid Satisfactory Academic Progress Policy established by the College.
To receive financial aid, you must maintain
the standards described below:
Length of Eligibility: City College of San Francisco
(CCSF) has established a maximum time frame of 90
cumulative units attempted. You are no longer
eligible for financial aid after attempting 90 units,
whether or not financial aid was received. All
transfer units are also counted in the 90 units.
Grade Point Average (GPA): You must maintain
a minimum cumulative GPA of 2.0.
Unit Completion Requirement: CCSF will review
your record at the end of each academic term. You
must complete a total of 67% of all the units attempted
and maintain a cumulative grade point average (GPA)
of 2.0 or better.
Probation: You will be placed on financial aid probation
for the next term if you fail to meet the unit and/or grade
point average requirement in the current term. If you do not
make Satisfactory Academic Progress during the term
that you are on probation, you will be disqualified from
receiving financial aid for the following term.
Disqualification: You will be disqualified from receiv-
ing financial aid the following term if you fail to complete the minimum number of units with a cumulative
GPA of 2.0 during your probationary term.
You are also disqualified if your GPA is below 2.0 by
the end of the second year of attendance. The end of
the second year of attendance is reached when you
have been in attendance for 4 terms. All attended periods count, including Summer.
Reinstatement: If you have been disqualified from
financial aid, you may re-establish eligibility by successfully completing the unit completion requirement
and/or attaining a cumulative GPA of 2.0 during a
term(s) without aid.
Exceptions: Students who have failed to meet GPA
and/or unit completion requirements and have extenuating circumstances may appeal for an exception. The
first step to appealing is to attend a mandatory
Financial Aid SAP Workshop within the current or
previous semester. After attending the Workshop, you
must make an appointment with an academic counselor
in Financial Aid to appeal. A written appeal must be
accompanied by a counselor approved Student
Educational Plan and documentation of extenuating
circumstances. Appeals are not automatic and will only
be approved for extenuating circumstances. The federal
regulations specify cases in which the college might
choose to set aside the standards, such as: if a student
becomes ill, severely injured or if a relative dies.
Students granted an exception will be placed on
probation, must meet SAP standards and adhere to the
conditions set for the probationary term.
Appeals will not be granted for a term that has already ended.
Therefore, the deadline to submit the appeal is 10 working
days before the end of the term in which you are enrolled.
Grades: You successfully complete a course by receiv-
ing a grade of A, B, C, D or CR (Credit). A grade of F,
NC (No Credit), I (Incomplete), IP (In Progress), or W
(Withdrawal) does not count as a successfully completed course. IP (In Progress) units will be counted
during the term in which a letter grade is earned. You can
receive financial aid for repeated courses which meet
City College’s course repetition policy.
Satisfactory Academic Progress (SAP) Policy
17
For Students in Clock Hour Certificate Programs
Length of Eligibility: Federal regulations require col-
leges to establish a maximum time frame during which
students are eligible to receive financial aid. CCSF has
established a maximum time frame of 150% of the
length of your program. For example: Maximum time
frame for a 600 hour program will be 900 hours. You
are no longer eligible for financial aid after the maximum time frame is reached.
Passing Grade Requirement: You must maintain
a passing grade average in all coursework.
Attendance Requirement: You must maintain at
least 80% attendance in each enrolled class.
For Example:
If you enroll in class(es) for 25 hours per week, for 18
weeks (450 hours), you must complete at least 80%
attendance or 360 hours.
very ill, severely injured, or if a relative dies. When
granted an exception, you may be placed on probation
and must meet satisfactory academic progress standards and abide by the satisfactory academic policy
requirements during your probationary term.
“Financial Aid is worth
the effort to apply”
An Interview with Robert Kane,
CCSF Transfer Student
(to UC Berkeley)
Tell us about yourself. A few years ago, I
Probation: If you do not meet the attendance or pass-ing
was unemployed, and realized that I
grade requirement during the term in which you are
needed to get my degree. I went back
enrolled in, you will be placed on financial probation for
the next term during which you can continue to receive
to school at City College. This Fall, I
financial aid. However, if you do not meet the conditions
study Political Economy of
of your probation, financial aid will be discontinued.
Disqualification: If you do not complete the minimum
number of hours or meet the passing grade requirement
or do not maintain satisfactory progress during your
probationary term, you will be disqualified next term.
Reinstatement: If you have not maintained satisfacto-ry
academic progress, and have been disqualified from
financial aid, you may re-establish eligibility by successfully completing the attendance and passing grade
requirements without aid in the term enrolled in.
Exceptions: If you are disqualified and have extenuating circumstances, you may appeal for an exception.
Appeals must be submitted in writing, and must be accompanied by a counselor-approved educational plan,
and documentation of the extenuating circumstances.
The federal statute specifies cases in which the school
might choose to set aside the standards: if you become
will be transferring to UC Berkeley, to
Industrialized Societies.
How did you pay for CCSF? I received the Pell Grant,
BOG Fee Waiver, Cal Grant, Loans, and Work Study. I
was also in EOP&S. Financial Aid helped be-cause it
made it feasible for me to focus on classes, instead of
working and going to school part-time.
What advice do you have for other students?
Financial Aid is not going to just fall in your lap. You
need to do some research, ask some questions, and
see what is out there. It will get you on the right track,
but it takes some work. The important thing is that it
is worth the effort you put into it.
18 Appeal Procedure
Appeal Procedure for Credit Hour Programs
The Financial Aid Office at City College of San Fran cisco maintains an appeal procedure for students who
have been disqualified from Title IV (Federal Financial
Assistance) due to not meeting our institution’s financial
aid Satisfactory Academic Progress Policy.
If you do not maintain a cumulative grade point average
of at least 2.0 and/or a cumulative unit completion rate
of 67% or reached the maximum time frame of
90 cumulative attempted units, and have extenuating
circumstances, you may appeal for an exception.
The first step to appealing is to attend a mandatory
Financial Aid SAP Workshop within the current or last
semester. After attending the Workshop, you must make
an appointment with a Financial Aid Academic
Counselor to appeal. A written appeal must be
accompanied by a counselor approved Student
Educational Plan and documentation of extenuating
circumstances. Appeals are not automatic and will only
be approved for extenuating circumstances. The federal
regulations specify cases in which the college might
choose to set aside the standards, such as: if a student
becomes ill, severely injured or if a relative dies.
Students granted an exception will be placed on
probation, must meet SAP standards and adhere to the
conditions set for the probationary term.
* An appeal is not needed to receive a BOGW fee
waiver.
Appeal Procedure for Clock
Hour Certificate Programs
The Financial Aid Office at City College of San
Francisco maintains an appeal procedure for students
who have been disqualified for Title IV (Federal
Financial Assistance) due to failure to meet our
institution’s financial aid Satisfactory Academic
Progress Policy.
If you do not maintain a cumulative grade point average
of at least 2.0 and/or a cumulative attendance rate per
class of 80% or reached the maximum time frame of
150% of the length of the certificate program, and have
extenuating circumstances, you may appeal for an
exception.
Submit a written appeal to an academic counselor in the
Financial Aid Office. The appeal must be accom-panied
by a counselor approved Student Educational Plan and
documentation of extenuating circumstances. Appeals
are not automatic and will only be approved for
extenuating circumstances. The federal regulations
specify cases in which the college might choose to set
aside the standards, such as: if a student becomes ill,
severely injured or if a relative dies. Students granted an
exception will be placed on probation, must meet SAP
standards and adhere to the conditions set for the
probationary term.
Petition Process for Students with Degrees
The Financial Aid Office at CCSF maintains a petition procedure for students who desire to receive financial aid, but
are not eligible because they have already earned an AA/AS, BA/BS or an MA/MS or higher degree.
Students who have earned a BA/BS or higher degree will only be considered for the State Board of Governor’s Fee
Waiver, Federal Work Study, Federal Subsidized/Unsubsidized Stafford Loans, and Federal Perkins Loan.
You must make an appointment with a Financial Aid Academic Counselor at Cloud Hall 324 to petition for financial aid.
Some students who must petition due to a previous degree may also need to appeal because they are not making
Satisfactory Academic Progress (SAP). These students must follow the Satisfactory Academic Progress appeal
procedure first by attending an SAP Workshop within the current or previous semester and scheduling an appointment
with a Financial Aid Academic Counselor to appeal and petition.
* A petition is not needed to receive a BOGW fee waiver.
Return of Title IV
(Federal Financial Aid)
If you receive a Federal Grant and then WITHDRAW from all your courses, you may OWE money
back to the federal program. Here’s how it works:
According to the day you withdraw, the financial aid
office will calculate the part of the grant that you have
“earned.” If you stopped attending courses but did not
notify the school of your withdrawal, we will assume you
earned 50% of your grant(s) received. NOTE: If you
withdraw after you have earned 60% of your grant, you
do not owe any repayment.
The financial aid office will use a formula determined
by the federal government to figure out what you
earned, and what you did not earn.
The college will owe some of the money back to the
government depending on the number of units you took.
If you do owe a repayment, the financial aid office will
calculate the amount for you.
If you receive Loan money and withdraw, you will pay
back the money according to the normal rules of the
loan program. CCSF will bill you for what it has to pay.
If you receive Work-Study money and withdraw, you
do not owe anything back. You always get to keep
salary you have earned.
19
If you are considering leaving school, please speak with
a representative of the Financial Aid Office in Cloud
324. Perhaps you can stay but take fewer courses. There
may be services (such as tutoring or personal support)
that will enable you to stay. Talk to your teachers; see
what advice and help they can offer.
If you must withdraw, begin the withdrawal process at
the Office of Admissions and Records, Conlan Hall 107.
The Financial Aid Office in Cloud Hall 324 will notify
you of how much you will owe and how you will have to
repay it. You can repay the amount owed to the Financial
Aid Student Account Services. If you leave without
taking care of this and you owe money, the Financial Aid
Office will report the overpayment to the Department of
Education.
A NATIONAL HOLD will be placed on your student aid
eligibility. You can not receive federal aid until further
action is taken. After the hold is placed, you will be
required to contact the Federal Government and arrange
for regular repayments.
Overpayments
An overpayment can be owed to either CCSF or the
U.S. Department of Education. An overpayment can
occur if the amount of aid paid to you by CCSF is larger
than your enrollment level supports or you have been
paid by more than one institution within the same aid
year or your aid eligibility changed due to verification
or other issues.
Most financial aid grant payments are pro-rated (reduced) if you are enrolled less than full-time. The Financial Aid Office makes payment on a real time basis comparing your enrollment information from the Admissions
Office to the payment amount you can receive.
If you (or an instructor) drop or withdraw from a
course AFTER you have been paid but the official date
of that drop/withdrawal is BEFORE your pay-ment date
(according to Admissions), you may owe money back to
CCSF. The best way to avoid this from happening is to
choose your courses carefully. If you decide you will not
continue in a course, you are re-sponsible for informing
Admissions & Records of your intention to drop or
withdraw.
If a calculated Federal overpayment is $50 or less, it
does not need to be repaid. Any amount of
institutional (CCSF) overpayment must be repaid.
In some cases, an overpayment may prevent you from
receiving future federal aid.
20 Stafford Loan Program
Loans should be a last resort for paying for college –
once you have exhausted your other options. If you
do take out a loan, be sure to borrow only what is
essential. Loans are monies that must be paid back!
Keep in mind that you must maintain Financial Aid
Satisfactory Academic Progress (SAP)
requirements and at least half-time enrollment (6
units) in order to receive your loan.
The actual loan amount you may borrow is determined
by individual eligibility, not to exceed the maximum
loan amounts listed below. You can always request a
reduced loan amount if the full eligibility is not needed.
Federal Stafford Maximum Annual Loan Limits:
$3,500 in subsidized loans per academic year for students with 0-29.5 units earned; $4,500 in subsidized
loans per academic year for students with 30+ units
earned. Dependent students may be eligible for an
additional $2,000 in Unsubsidized loans. Independent
students may be eligible for an additional $6,000 in
Unsubsidized loans. Transfer units must be evaluated
by the CCSF Admissions Office to be included for
loan approval purposes.
The Process
1. You obtain, complete, and submit to the financial
aid office – in person – the following documents
after the FAFSA has been processed:
• Federal Stafford Loan Request Form
•
A copy of your Driver’s License or State ID
•
Proof of Entrance Counseling Interview
•
Financial Literacy Workshop Completion Form
(in-person attendance required)
2. The Financial Aid Office certifies the loan and
sends the loan information electronically to EDFUND thru ELM.
3. EDFUND guarantees the loan and sends a Master
Promissory Note (MPN) to you.
4. Complete and send the Master Promissory Note to
the lender that you have chosen or through
www.edfund.org/webapp.
5. The lender will send the loan funds electronically
to City College through the National Disbursement
Network (NDN). You will receive a disclosure
statement from your lender.
6. Upon verification of eligibility and attendance, City
College will credit loan funds to your student
account. You have 30 days at that point to request
cancellation of your loan. The disbursement of
your
Federal Stafford Loan will follow the regular
financial aid disbursement schedule.
7. Prior to leaving City College, all students must
complete Exit Counseling.
Entrance & Exit Counseling
Entrance counseling must be completed by all students borrowing Federal Stafford Loans at City
College of San Francisco. Borrowers must complete a
Federal Stafford Loan Entrance Interview provided online at the CCSF website. A schedule is available at
the Financial Aid Office at
www.ccsf.edu/Services/Financial_Aid/
stafford.htm. Entrance counseling must be done
EACH award year a student applies for a Federal
Stafford Loan.
In addition to the Entrance Interview, all students are
required to attend an in-person Financial Literacy
Workshop EACH award year. A schedule is
available at the Financial Aid Office or provided online at the CCSF website.
Exit Counseling must be completed by all student
loan recipients prior to transferring, withdrawing,
graduating or dropping below half-time enrollment (six
units). Borrowers should complete a Federal Stafford
Loan Exit Interview provided on-line at the CCSF
website. The Financial Aid Office also provides the exit
interview material needed.
Disbursements
• Disbursements of Federal Stafford Loan checks
will begin 30 days after the start of the term and
will follow the regular disbursement schedule.
Schedules are sent to you with the award
notification and are available at the Financial Aid
Office or online.
21
• If your loan covers more than one term, it is
disbursed in two installments: one during the fall
term and one during the spring term.
• If your loan covers only one term, your loan will
also be disbursed in two installments. The
second installment will not be disbursed until
you have completed half of the term.
Master Promissory Note
The Master Promissory Note (MPN) is a legally binding agreement between you and your lender under
which you promise to repay the loan, with interest, in
periodic installments. Under an MPN, you may receive
a loan for a single academic year or multiple academic
years. Your MPN will be valid for 10 years from the
date you sign the note.
Repayment
Repayment begins after the completion of your sixmonth grace period. The minimum monthly pay-ments
may be as low as $50. However, the amount will
increase as the total amount of your debt increases.
The standard repayment plan gives you up to ten
years to repay your student loan.
Deadline to Apply
The deadline to submit Stafford Loan Request Forms
is 10 working days before the end of the term in which
you are enrolled.
?
What should I do if, after I gradu-ate, I
cannot meet my payments on my
federal loan?
Whatever you do, don’t default. Defaulting could
seriously affect your credit rating for many years. If
you find yourself in a difficult financial position,
discuss the situation with your lender. More than
likely, some arrangement can be made. Often,
lenders will permit you to stop making payments
temporarily or reduce the amount of each of your
payments. This is called “forbearance”.
Change of Name, Address
It is your responsibility to notify the lender/servicer of
any change in your name, address, telephone
number, school transfer status or graduation date.
CCSF Loan Cancellation Policy
If you have received loan funds for the fall term, your
loan application will be cancelled by CCSF Financial
Aid for the remainder of the award year if:
•
You dropped below half-time in fall term. or
•
You are placed on disqualification status as of the
start of the spring term.
?
If I transfer to another school, do I need to
sign a new MPN?
You may need to sign another MPN. It depends on the requirements of the new school and
the lender.
22 Financial Aid Terms
Award Year: A school year beginning with the Fall
term, continuing with the Spring term and ending
with the Summer term. For example, the 09-10 award
year is Fall 2009, Spring 2010, and Summer 2010, if
applicable. You reapply for aid for each award year.
California Aid Report (CAR): A letter notifying financial aid applicants of the types and amounts of Cal
Grant offered, as well as the responsibilities and
condi-tions of each award. The letter will include the
method of payment and dates of payment.
Cost of Attendance (COA): The total estimated cost of
college for the school year, also referred to as the
student budget; includes tuition, fees, books, supplies,
transportation, food, housing, and personal expenses.
Default: Failure to make loan payments or otherwise honor
the terms of a loan; reported to credit bureaus and can
influence future credit and ability to receive financial aid.
Expected Family Contribution (EFC): The amount
that you and your family are expected to contribute
toward your education, based on a federal formula
that assesses resources such as wages and assets.
Financial Need: This amount is determined by subtracting your EFC and other financial resources from
your cost of attendance. Financial aid awards are
offered to meet but not exceed your financial need
based on program requirements and available funds.
Federal Processor: The federal government’s computer system, also referred to as the “central processor”,
that analyzes the information on your FAFSA, calculates your EFC, and sends you a Student Aid Report.
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 processed.
Grant: A grant is a form of financial aid that does
not have to be paid back. It is a gift.
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 transferred to the
Renewal FAFSA making the application process
faster. Students must re-apply every year.
Residency: This is a determination of a student’s
status as a California resident. This determination is
made by the Admissions Office and will affect which
financial aid programs a student may be eligible for.
Return of Title IV Funds: If a student receives federal
student aid funds, including grants, and withdraws from
all classes before 60% of the enrollment period has
passed, the student could owe money back to the federal
government or the college. Contact the Finan-cial Aid
Office before withdrawing from classes.
Satisfactory Academic Progress (SAP): To be
eligible to receive federal and state financial aid, a
student must be progressing satisfactorily toward
completion of an approved educational program. SAP
is not required for receiving a BOGW fee waiver.
Selective Service Registration: By law, certain male
students are required to register, or arrange to register, with
the Selective Service in order to receive federal stu-dent
aid. This includes males born on or after January 1, 1960,
who are at least 18 years old, citizen or non-citizen, 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.
Untaxed Income: All income received that is not
taxed or may not be reported to the IRS, including
Social Security Benefits, Earned Income Credit, Additional Child Tax Credit, clergy and military allowances, Disability benefits, tax sheltered income reported
on W-2 forms, welfare and child support payments,
any cash income not reported to the IRS, bills and
support paid on your behalf, or any other income
received not reported on your tax form.
Verification: A federal process in which the college
checks the accuracy of the information you submitted on
the FAFSA. Documents will be requested such as 1040
tax returns and W-2 forms. Quick response to any request
for documentation will help expedite the process.
Veteran: For the FAFSA, a person who has engaged
in active duty or was a cadet or midshipman at one of
the U.S. service academies, and who was released
under a condition other than dishonorable.
Scholarship Resources
Robert C. Byrd Honors Scholarship: This
scholarship is awarded to high school students who
have achieved academic excellence. The awards are
renew-able for up to four years at $1,500 per year and
can be used at any four-year college in the United
States. The program is federally funded. Students
must request funds from the college they attend.
National Merit Scholarship: Roughly 5,000 National Merit
Scholarships are awarded each year to high school
students for academic and extracurricular achievements.
Awards are based on the PSAT/NMSQT test in the
fall of your junior year in high school. To learn
more, go to www.nationalmerit.org.
Hispanic Scholarship Fund: HSF scholarships are for
students enrolled—or intending to enroll—full-time in a
degree-seeking program at a U.S. accredited, Title-IV eligible
institution. Successful candidates are selected on the basis of
academic achievement, personal strengths, leadership, and
23
Scholarship Tips
In order to improve your chances of receiving
schol-arships, you should:
•
Maintain good grades.
•
Be involved in activities and leadership roles.
•
Search for as many scholarships as you can.
•
Ask the following questions:
•
What are the eligibility requirements?
•
How much is the award?
•
What is the deadline to complete the application?
Pick up a Scholarship Application on campus and seek out
scholarship reference books in the library. The Scholarship
Office is located in Batmale Hall, Room 336.
Open Monday through Friday from 8:00 am – 5:00
pm, closed between 11:30 am – 1:00 pm daily. The
phone number is 415-239-3339.
financial need. For more information, visit www.hsf.net.
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
college Financial Aid Office or go to the Federal Trade Commissions website, Scholarship
Scams at www.ftc.gov/scholarshipscams.
“Financial Aid was a key part of my success”
An Interview with Wei Zheng, CCSF Transfer Student (to UC Berkeley)
Tell us about yourself. My parents immigrated to the
What have you enjoyed about
US from China. They had very little money and
not much education. They came to America so
that I would have more opportunities than they
did. I stud-ied Economics at CCSF, and will be
transferring to UC Berkeley in the Fall.
CCSF? I am very lucky because I
How did you pay for City College? I received the Pell
vices available to help you succeed.
Grant, BOG Fee Waiver, Work Study, and scholarships. Without Financial Aid, I would have had
to work at least part-time and take fewer classes.
Financial Aid enabled me to spend all of my time
studying instead of working a part-time job. It
was a key part of my success.
What advice do you have for
other students? Financial Aid offers a lot of
met great teachers, staff, and
friends. Being in America is great
because there are so many opportunities to succeed, and so many ser-
services. There is support in multiple
languages, so even if you are a second
language learner, there is help for you. Don’t be
afraid; the staff is very nice and great!
24 Student Terms of Agreement
In order to receive financial aid at City College
of San Francisco (CCSF), I must comply with
the following terms:
1. Comply with the Federal Pell Grant regulations
which prohibit a student from receiving a
Federal Pell Grant from more than one
institution at the same time.
2. Enroll at CCSF in a program leading toward a
certificate, degree, or be in at least a two-year
program that is acceptable for full credit towards
a bachelor’s degree in order to qualify for
financial aid. The certificate program should be at
least 600 clock hours or a 1 semester long
program of at least 16 credit hours.
3. Will not be simultaneously enrolled in college
and elementary or secondary school.
4. Enroll in at least a half unit per semester at CCSF in
order to receive a Federal Pell Grant (if eligible
otherwise) and in at least six (6) units per semester to
qualify for Federal Work Study, Federal Staf-ford
and Federal Perkins Loans. The eligibility for
FSEOG requires at least nine (9) units per semester.
5. Award amounts on my Award letter (except for
BOGW) are based on a full-time enrollment
assumption (12 or more units). In cases of a high
EFC, I may become ineligible for the grant payment if my actual enrollment is less than full-time.
6. My eligibility for financial aid depends on my
maintaining Satisfactory Academic Progress
according to the financial aid standards of
City College of San Francisco.
7. If I owe a refund on a Federal Pell Grant and/or
Federal FSEOG or I am in default on a Federal
Stafford Loan, PLUS, Federal Direct Loan, or
Federal Perkins Loan from any institution, I
will not be eligible for federal aid.
8. If I receive financial aid and then withdraw from
classes prior to the end of the semester, I may be
asked to repay all or portion of financial aid disbursed to me for that semester. I must file the official withdrawal documentation with the Tuition
and Fees office.
9. City College of San Francisco may deduct from my
grant and/or loan check(s) any debt or obligation
owed to the College and refund the balance to me.
10. Information provided on my financial aid application and other documents is true and correct. City
College of San Francisco may verify any and/or all
information. I will notify the Financial Aid Office of
receipt of other financial assistance or resources.
11. I will promptly notify the Office of Admission
and Records and/or Tuition and Fees of change of
address, change of name, drop or withdrawal
from any classes.
CCSF Principal Locations
Airport Campus
SF International Airport
North Access Road,
Building 928
(415) 239-3901
Chinatown/
North Beach Campus
950 Filbert Street
San Francisco, CA 94133
(415) 561-1850
Fort Mason Center
Laguna Street & Marina
Boulevard, Building B
San Francisco, CA 94123
(415) 561-1840
Mission Campus
1125 Valencia
Room 114
San Francisco, CA 94110
(415) 551-1134
Alemany Campus
750 Eddy Street
San Francisco, CA 94109
(415) 561-1875
(415) 561-1853 Counseling
Downtown Campus
88 4th Street
San Francisco, CA 94103
(415) 551-1120
Gough Street Site
Adult Learning and
Tutorial Center
31 Gough Street, Room 29
San Francisco, CA 94103
(415) 241-2300
Ocean Avenue Campus
50 Phelan Avenue
San Francisco, CA 94112
(415) 239-3000
Castro/Valencia Campus
1220 Noe Street
Evans Campus
San Francisco, CA 94114 1400 Evans Avenue
John Adams Campus
(415) 550-4500
San Francisco, CA 94124 1351 Haight Street
(415) 550-4440
San Francisco, CA 94117
(415) 561-1900
Southeast Campus
1800 Oakdale Avenue
San Francisco, CA 94124
(415) 550-4300
(415) 550-4320 Counseling