Financial Aid (the difference between the reasonable cost of attending college and the reasonable expectation from family resources) is the amount which the Financial Aid Office will endeavor to provide from one source or a combination of sources.
The full cost of attendance cannot be met by financial aid programs. All students are expected to contribute personal resources.
Financial need is determined on the basis of income and assets of both the parents and student. The Free Application for Federal Student Aid (FAFSA) must be completed. The college must receive a valid Institutional Student Information Record (ISIR).
Adjusted gross income, untaxed income and benefits, number of family members and number of college students are considered in determining the amount the family is expected to contribute to the student's education. Also considered are student and parent savings, investment real estate equity, bank accounts, certificates of deposit, trust funds, money market funds, other investments, and net worth of business and/or investment farms. Applicants may exclude the net value of a small business that has 100 or fewer full-time or FTE employees and the business (or any part of it) is owned and controlled by the family.
Financial aid is determined on the same basis as for dependent students, except parent income and assets are not considered.Top of page
Eligibility for all need-based awards is determined through submission of a valid Department of Education Free Application for Federal Student Aid (FAFSA). The process is as follows:
The Federal Pell Grant Program provides eligible undergraduate students with a base for financial aid. Student eligibility is based on financial need determined by the US Department of Education and reviewed by Congress annually.
The Pell award is a grant and does not normally have to be repaid. Grants range in size according to student eligibility and the student's level of enrollment. Students who drop out, or quit attending classes, may have to repay a portion or all of the Pell Grant received. Pell awards range from $0 to $5,730 for the 2014-15 academic year.
FSEOG provides financial assistance to undergraduate students with exceptional financial need. FSEOG awards at GCCC range from $0 to $500 per year. FSEOG funds are limited and priority is given to PELL recipients with lowest family contribution figures. Students must qualify for Federal Pell Grant to receive FSEOG.
This program provides part-time employment for many students with financial need. FWS gives students a chance to earn income to help pay educational expenses. Students work in college facilities and community service positions (i.e., library, student center, residence hall or as assistants of administrative, faculty or maintenance personnel). FWS hours normally range from five to fifteen hours per week. Availability of FWS is determined year to year. Non-need based Institutional Work-Study is also available.Top of page
The Stafford Loan Program provides students with long term, low-interest loans for post-secondary educational expenses. Loan funds are available from the federal government. Grade level loan eligibility ranges from $3,500 for first year students to $4,500 for second year students. Stafford Loans are available in both subsidized and unsubsidized versions depending on student eligibility. Application instructions are posted online at the GCCC website www.gcccks.edu. Students must have an active direct loan master promissory note on file and complete Online Entrance Counseling before loans will be originated.
Subsidized Stafford Loans are available to students who qualify based on the Free Application for Federal Student Aid. Effective 7-1-13 the interest rate is 3.86%. The federal government pays the interest on behalf of the student while the student is enrolled at least half-time. The student begins repayment of the principal and interest six months after leaving school, graduating, or dropping below half-time enrollment.
Unsubsidized Stafford Loans are available to students regardless of family income. The interest rate is fixed at 3.86% beginning 7-1-13. However, students are responsible for paying the interest on these loans. Payment of both principal and interest begins six months after leaving school, graduating or dropping below half-time. In addition to annual academic year limits, eligible dependent students can borrow up to an additional $2,000 each year and independent students can request up to a maximum of $6,000 annually.
The PLUS Program allows parents to borrow money to pay for their dependent child’s cost of attending a post-secondary school. The interest rate is fixed at 6.41% beginning 7-1-13. Contact the Financial Aid Office for more information or refer to instructions at our website www.gcccks.edu to apply online.Top of page
Preferred or suggested lender lists used by Garden City Community College will be based solely on the best interests of students and parents who may use the lists and used without regard to the financial interests of the college.
All preferred or suggested lender lists maintained by Garden City Community College will clearly and fully disclose the criteria and process used to select the lenders included on such lists. Students and parents will also be told that they have the right to select a lender of their choice, regardless of whether such lender appears on the school’s lender lists.
Garden City Community College will not accept anything of value from any lender in exchange for any advantage sought by the lender. Lenders will not be required or allowed to pay in order to be placed on the school’s lender lists.
Garden City Community College employees will not accept anything of more than a nominal value from any lender, including gifts or trips of any kind.
Garden City Community College employees will receive no compensation or be given anything of value for serving on the advisory board of any lender.
No employee of any lender may work in or provide staffing in the Garden City Community College’s financial aid office. In addition, Garden City Community College will direct employees of lenders to clearly indentify themselves as employees of a lender and to never identify themselves as college employees when meeting or speaking with students or parents. Top of page
Veterans, spouses and children of disabled or deceased veterans may qualify for special education benefits. Students should contact their local Veterans Administration Office for forms and further information. Any and all VA benefits received must be reported to the Registrar's Office.
Students with physical or emotional disabilities may qualify for special assistance. Students should contact the division of Vocational Rehabilitation, Department of Social and Rehabilitation Services in their area.Top of page
When a student's need has been established, it is the goal of Garden City Community College to make funds available to help meet that need. Recipients are selected according to established need and on a first-come first-served basis, as funds are available. Students will receive award letters as soon as possible after the college receives its official notification of program funding from the federal government. Financial aid files are complete only when all requested information and documentation has been received. Financial aid files are then reviewed and awarded in chronological order of completion, and award letters are printed in this same order. Files complete and accurate by June 1st will be awarded prior to August 1st. Files complete and accurate by July 1st will be awarded prior to the start of the Fall semester.
A Financial Aid Award Letter, stating components of the Financial Aid Package will be mailed or given to the student for acceptance. This letter shows awards offered to the student. Students can also view their awards via Busterweb.
Funds in the amount stated will be reserved for the student. Money cannot be released until the student's enrollment has been certified by the Registrar.Top of page
For financial aid eligibility Garden City Community College defines an academic year as 24 credit hrs. and 32 weeks in length beginning with the first day of class of the regularly scheduled Fall semester and ending with the last day of final examinations for the regularly scheduled Spring semester.
The following components are used in computing a full-time student's cost of attendance at Garden City Community College for the 2014-15 academic year. Adjustments are made for less than full time student status.
In addition to aid available from the college, financial aid is available from a variety of sources. Such agencies have their own criteria for eligibility funding and limits.
Students should be aware that the various agencies and the college will determine awards at different times and independently of each other. Students must report all scholarships, grants, etc. to the Financial Aid Office.
In cases where students receive more than one award, the aid package may need to be adjusted in order to comply with federal regulations and individual program guidelines. With the variety of agencies controlling funds, the need to make adjustments is becoming more common.
Students and their parents should understand that the acceptance of any award is always subject to adjustment in order to comply with the federal regulations and the guidelines of any program from which funds are received. Awards may be prorated or eliminated based on the students actual enrollment status.
The amount of each student's federal award is based upon established need. A student's financial aid package is awarded in the following order: (1) Federal Pell Grant (2) external sources of scholarships and grants, (3) institutional scholarships & grants, (4) FSEOG, (5) Federal Work-Study, and (6) Federal Stafford Loans.Top of page
Financial aid payments are disbursed a minimum of twice a year and normally once each semester. Disbursements will be made after the student's enrollment has been certified by the records office. Certification procedures begin subsequent to the 20th day of classes, and disbursement will be subsequent to the 30th day. (Not all classes certify at the same time). Students must plan accordingly.
Federal Stafford Loan proceeds are disbursed no sooner than other federal aid.
Work-Study checks are disbursed monthly.
Students may also elect direct deposit for their work study earnings.Top of page
Federal Regulations require students receiving Federal Pell Grant, Federal SEOG, Iraq & Afghanistan Service Grant, Federal Work Study or Federal Direct Loans to be making “satisfactory academic progress”. This progress is measured at the end of each semester according to three factors: cumulative grade point average (GPA), completion of credit hours (pace) and the time frame allowed for completing a certificate or degree.
Students maintaining the following criteria will be considered to be meeting satisfactory progress for federal aid purposes.
GPA: A minimum 2.0 cumulative GPA
A grade of F, XF, I, W, IP and courses not yet graded are considered attempted but not completed in calculating the completion rate for Satisfactory Progress. Audit hours are not counted in the student’s GPA.
Pace (Completion Rate): A minimum 67% cumulative completion rate (calculated using all financial aid hours completed divided by all hours attempted). Audit hours are not counted as completed or attempted.
Transfer credits: All previous college attempted and completed coursework will be counted when determining a student’s GPA, minimum completion rate and maximum time frame. Per federal regulations, all hours must be counted whether the student received financial aid for those hours or not.
Remedial hours: Developmental course hours are included as hours attempted, completed and in the GPA for the federal financial aid satisfactory academic progress evaluation.
Repeated coursework: At GCCC, federal financial aid may be used to cover the cost of repeated courses one time.
Students who are on their third (or more) enrollment in a class will not receive federal aid for those additional attempts.
Maximum Time Frame: Students at GCCC are expected to complete course work for an associate degree within a maximum of 96 hours of enrollment. (64 hrs. x 150%). Students pursuing certificate programs must complete their programs within 150% of normal enrollment.
Degree completion: Students who have completed an Associate Degree or beyond are no longer eligible for federal financial aid at GCCC. Exceptions may be made on a case-by-case basis when additional hours are required to establish, maintain, or renew professional certification or for other unusual circumstances.
Warning: Students who do not meet the minimum requirements for Satisfactory Progress will be placed on Warning for the following semester but will continue to receive federal financial aid. At the end of the Warning semester students must have a cumulative GPA of 2.0 and a completion rate of 67% to regain Satisfactory status.
There is no Warning status for students who have exceeded Maximum Time Frame or for students who earn zero (0) hours during a semester of enrollment.
Transfer students or students with prior college credit hours at GCCC that received no federal financial aid and who fail to meet the Satisfactory Progress standards as outlined above will be placed on Warning for the first semester that they apply for financial aid at Garden City Community College.
Denial: Financial Aid Denial means that a student’s eligibility for federal aid has been suspended due to not making Satisfactory Academic Progress. Denial of federal student aid will occur if a student on Warning or Probation (see below) does not meet Satisfactory Progress requirements. Denial will also occur if a student has exceeded Maximum Time Frame (150% completion rate) or for students who pass -0- credit hours during the semester being evaluated.
Notification: All students will be notified of any change in their Satisfactory Academic Progress status. Communication regarding Warning, Denial, exceeding Maximum Time Frame as well as the result of any appeal will be sent to the student’s GC3 email account.
Reinstatement: Students who are denied federal financial aid may be reinstated in the following manners:
Appeal: Students who have been placed on Financial Aid Denial have the right to appeal if they have documented extenuating circumstances that warrant an exception to the SAP Policy. Extenuating circumstances that may be considered include: personal illness or accident, serious illness or death within immediate family, or other circumstances beyond the reasonable control of the student. As defined by the Department of Education, a student may not appeal multiple semesters citing the same reasons and be considered for reinstatement.
The appeal form and appropriate documentation must be submitted with the initial appeal.
Self-reinstatement: A student who has lost financial aid eligibility may be reinstated after they have taken classes to meet minimum Satisfactory Academic Progress standards of a 2.0 cumulative GPA and a cumulative completion rate of 67%.
Students who do not appeal or whose appeal is denied must complete a minimum of (12) twelve credit hours (half-time students or less-than-half-time students must complete a minimum of (6) credit hours) at their own expense and attain a minimum 2.0 GPA for those hours. Students who meet this requirement may submit a written request to have their eligibility for federal aid reinstated.
Probation: Probation, as defined by the Department of Education, occurs when a student on Financial Aid Denial at GCCC submits an appeal to the Financial Aid office and the appeal is granted. Probationary students will be eligible for federal aid for one additional semester. After the probationary semester, students meeting the required SAP standards will be placed back in Satisfactory status. Students not meeting the required standards will once again be placed on Financial Aid Denial. A status of Probation for one semester can only be assigned to students for whom it is mathematically possible to be meeting the minimum SAP standards within one semester.
Academic Plans: Academic Plans, as defined by the Department of Education, may be used for students who appeal their Financial Aid Denial and it is not mathematically possible for them to be meeting SAP standards within one semester. Academic Plans are individualized and are at the discretion of the Financial Aid Office. If a student is granted an appeal based on an Academic Plan they will be eligible for federal aid on a term-by-term basis. Students must follow their Academic Plan exactly in order to continue to receive federal aid. If an Academic Plan is not followed, their financial aid status will revert to Financial Aid Denial. Once a student is again meeting the minimum SAP standards, their Academic Plan will be removed.
Maximum Time Frame: Students who have exceeded the 150% maximum time frame, as stated above, will need to submit a Maximum Time Frame appeal form. The appeal must include a review by the student’s academic advisor or the Advising & Counseling Center to determine the hours and courses needed for degree completion or transfer. Students will be funded only for the specific courses required to finish their program of study at GCCC or accepted by the transfer institution.
Return of Title IV Funds: All students receiving Federal (Title IV) Financial Aid are subject to a “Return of Title IV Funds” calculation. This calculation is required for students who completely withdraw (officially or unofficially) from all of their classes on or before the 60% point of their enrollment period. The “Return of Title IV Funds” calculation involves only the federal financial aid portion of funds received by the student. It determines the amount of federal funds the student and GCCC are entitled to keep, based on how long the student was enrolled during the semester. It is possible that GCCC and/or the student will owe federal funds back to the Department of Education.
The appeal process is available to any student being denied financial aid at GCCC. During the appeal process, a student is allowed to enroll at GCCC if he or she meets all requirements for admission or re-admission. However, the student is responsible for paying all direct costs (tuition, fees, books, residence hall charges). Appeals should be submitted as soon as possible to facilitate informed decisions regarding enrollment and associated financial obligations.
All appeals must be made in writing and submitted in compliance with the requirements shown below.
The appeal process is available to any student being denied a student loan at GCCC. During the appeal process, a student is allowed to enroll at GCCC if he or she meets all requirements for admission or re-admission. However, the student is responsible for paying all direct costs (tuition, fees, books, residence hall charges). All appeals must be made in writing and submitted in compliance with the requirements shown below.
To make an appeal the student must take the following steps:
If the appeal is granted the student’s eligibility for federal student loans at GCCC will be reinstated. The President of Garden City Community College, or designee, shall have final jurisdiction on appeals for financial aid recipients.
If the appeal is denied the student remains ineligible to borrow student loans at Garden City Community College.
In addition to GCCC's refund policy, all students receiving Federal (Title IV) Financial Aid are subject to a "Return of Title IV Funds" calculation. This calculation is required for students who completely withdraw on or before the 60% point of the semester. The "Return of Title IV Funds" calculation involves only the Federal Financial Aid portion of funds received by the student. It determines the amount of federal funds the student and GCCC are entitled to keep, based on how long the student was enrolled during the semester. It is possible that GCCC and/or the student will owe federal funds back to the Department of Education regardless of the outcome of the GCCC institutional refund policy.
If the student and/or GCCC are required to repay Title IV Funds received, the repayment must be made in the following order:
Students must clear all indebtedness to the college before diplomas or academic transcripts can be issued.
Students who owe a repayment on grants or are in default on any student loan will have a hold placed on their records at the college. No student will be eligible for Financial Aid until any excess payment or default has been settled.Top of page
Students have the right to know: the financial aid programs that are available; the deadline for submitting applications for each financial aid program; how financial aid will be distributed; how financial need was determined; what resources were considered in the calculation of the need; how most of the financial need as determined has been met; Garden City Community College's refund policy; what portion is grant aid; how the school determines whether students are making satisfactory progress and what happens if they are not making satisfactory progress.
Students have the responsibility: to complete forms accurately and submit them on time; to provide correct and complete information; to return all additional documentation, correction or new information requested by the Financial Aid Office or the agency to which the applications were submitted; to read and understand all forms they are asked to sign and to keep copies; to perform the work that is agreed upon in accepting a work study award; to be aware of the school's refund procedure; to repay all loans in accordance with the repayment schedule; and to inform the Financial Aid Office of any changes in enrollment, name, address, and marital status.
Descriptions of the academic and technical programs offered at Garden City Community College, the list of the administration and faculty and the college accrediting agencies may be found in the current issue of the college catalog.
The Garden City Community College campus, buildings, classrooms, east residence hall and apartments are designed to be accessible to disabled students. Some special programs or classes are provided for the disabled student. Special classes are available for the disadvantaged student.
According to the requirements of Titles VI and VII of the Civil Rights Act of 1964, Title IX of the Education Amendments of 1972, Section 504 of the Rehabilitation Act of 1973, the Age Discrimination Act of 1975, the Vietnam Era Veterans Readjustment Assistance Act of 1974, the Elliot-Larsen Civil Rights Act, and Executive Order 11246, Garden City Community College does not discriminate against applicants, employees or students on the basis of race, religion, color, national origin, sex, age, height, weight, marital status or handicap, nor will sexual harassment be tolerated in its employment practices and/or educational programs or activities. Those concerned about the above should contact the Equal Opportunity Compliance Officer, Garden City Community College, 801 Campus Drive, Garden City, Kansas 67846.
GCCC adheres to the Student's Right-To-Know and Campus Security Act (Public Law 101-542). Current statistics are available upon request through the Admissions Office and Athletic Director's office.Top of page
Scholarships are awarded on a first-come-first-served basis and are available for fall and spring semesters only. Grade point averages or GED scores*, financial need, and majors are taken into consideration. Scholarship criteria vary, so students are matched as closely as possible with the scholarship standards. Activity scholarships and Grant-In-Aid scholarships are awarded by respective departments. Tuition and books scholarships are awarded only once each semester. The Kansas Jayhawk Community College Conference By-Laws control the amount of aid a student can receive if he/she participates in athletics. As a member of the Athletic Conference, GCCC adheres to these regulations.
Activity scholarships and Grant-In-Aid scholarships are awarded by respective departments. Tuition and books scholarships are awarded only once each semester. Students receiving tuition scholarships/grant-in-aid awards are limited to a maximum of 16 hours per semester. The tuition awards will pay only the number of hours that the student is enrolled in on the 20th day of classes (certification date). The Kansas Jayhawk Community College Conference By-Laws control the amount of aid a student can receive if he/she participates in athletics. As a member of the Athletic Conference, GCCC adheres to these regulations.
Many scholarships are renewable, provided the student meets the requirements (grade point average and credit hour requirements). Students must re-apply by March 1 of each year for scholarships (including renewals). The goal for distributing scholarships is that awards should be made to as many students as possible, versus over-awarding any particular student.* Any scholarship that has a grade point average as part of the eligibility, the GED score will convert to the following grade point average.
GED score of: Grade Point Average
450 - 549.99...................................2.00 - 2.99
550 - 649.99...................................3.00 - 3.49
650 - 749.99...................................3.50 - 3.99
750+......................................................4.00Top of page