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Financial Aid

Frequently Asked Questions

ACCEPTING/REDUCING/DECLINING AWARDS

Do I have to accept my entire financial aid award?

You can cancel any part of your financial aid package. You need to notify the financial aid office if you want to cancel part of your award. To cancel a student loan, you need to complete aloan request form and mark the box to decline loan, there is also an option to decrease loan.

How do I accept/reduce/decline my Financial Aid?

No action is required to accept your Financial Aid award. You can reduce/declineyour financial aid package. You need to notify the financial aid office if you want to cancel part of your award. To cancel a student loan, you need to complete aloan request form and mark the box to decline loan, there is also an option to decrease loan.


APPLYING FOR AID

How do I apply for financial aid?

You should complete the Free Application for Federal Student Aid (FAFSA), as soon as possible after January 1. FAFSA on the Web at http://www.fafsa.ed.gov is the best way to apply. However, you may also apply by completing a paper FAFSA. You will need to reapply for financial aid every academic year. For direct FAFSA and PIN information please visit: www.fafsa.ed.gov and www.pin.ed.gov.

What is the FAFSA?

The FAFSA stands for Free Application for Federal Student Aid.To complete the FAFSA please visit:www.fafsa.ed.gov.


AWARDS & DISBURSEMENTS

How will I receive my award letter?

You will receive an award letter in the mail after your award has been made. You can also print your award letter from WebAdvisor.

I'm registered for 6 credits, but my financial aid has not been disbursed. Why?

There are a number of reasons why your aid may not have been disbursed to your account:
• You did not submit all requested documents
• You have not been officially awarded
• You have not completed an Entrance Interview and/or Master Promissory Note
• You are not meeting Satisfactory Academic Progress (SAP)
• You are not actively enrolled in the minimum amount of credit hours:
• Students receiving loans, lottery awards, and need-based grants must be actively enrolled in 6 credit hours.
• Students receiving a Pell grant only have to be registered in one credit hour, and will receive a partial Pell.

What is the status of my lottery award?

Lottery awards are made to South Carolina residents who are registered for six credit hours or more, have a cumulativeGPA of 2.0 or higher at the beginning of the academic year and who do not already have their tuition paid in full by other grants and/or scholarships.

Students cannot have an associates, diploma or certificate that they received lottery funds towards. Lottery can only cover up to the cost of in-county tuition and is currently awarded at $95 per credit hour, up to $1,140 for 12 credit hours or more. The lottery amount is set by South Carolina legislature on a semester basis. The award is made manually in the financial aid office after you have registered for classes.

Who should I contact in regards to my Perkins Loan?

The Perkins Loan is available to students in a medical field of study or Criminal Justice. The financial aid office awards the Perkins Loans. The business office makes the disbursement of Perkins and manages the Perkins accounts after disbursement has been made.


CHECKING YOUR FINANCIAL AID STATUS

How can I check my financial aid status?

If you have not received a Financial Aid award letter or you need to check the status of your Financial Aid, please do as follows: You can check the status of your financial aid online with WebAdvisor. If you have difficulty logging in to WebAdvisor, please use the PassChange System at http://passchange.fdtc.edu or call our HelpDesk at 843-661-8123 Option #1.

How can I verify my financial aid award for an outside agency?

Outside agencies needing to verify your financial aid award will give you a form to be completed. Turn the form in to the financial aid office. The forms are completed within 2 to 3 business days of being received. The financial aid office will fax the form to the agency and mail the hard copy to them. Make sure your name and social security number are on the form, along with your signature giving financial aid permission to release your information. The form must also have the fax number for the requesting agency.

How long does it take to process my file? Am I missing anything?

The total processing time for financial aid, once you have submitted all requested documents, is approximately 2-3 weeks. Files are reviewed in the order in which all requested documents are received. Your file cannot be reviewed until it is complete.

Why did my financial aid change?

Financial aid is based upon your EFC score and your enrollment. A correction to your FAFSA may change your EFC score which would change your financial aid award. If you are enrolled in less than full time hours then your pell award would be adjusted based upon your enrollment. Lottery awards are also adjusted based upon your hours of enrollment.


COMPLETION OF THE ENTRANCE COUNSELING

Completion of the Entrance Counseling

Entrance Counseling helps you understand your rights and responsibility as a student or parent borrower. It provides useful information and tips to budget your educational expenses. It is designed to help you better understand your obligations as a borrower. The Entrance Counseling is available online at https://studentloans.gov/myDirectLoan/index.action. A quiz will be administered online to ensure that you do understand your rights and responsibility with the Direct Loan Program. You must pass the online quiz to complete the entrance counseling. Direct Loan funds will NOT be posted to a student's account without the completion of the Entrance Counseling.


COMPLETION OF THE EXIT COUNSELING

Completion of the Exit Counseling

Exit Counseling is an educational course that Direct Loan borrowers are required to take upon separating from a Direct Loan school. Exit Counseling will review the different types of loan repayments. You can also set up automatic payments to ensure that your payments will always be made on time. During the Exit Counseling, you will receive information about money management, avoiding delinquency and default, and loan consolidation. An online quiz (https://studentloans.gov/myDirectLoan/index.action) will be administered to ensure that you do understand your obligation in repaying your student loans. You will be required to complete Exit Counseling prior to withdrawing or graduating from the institution.

How long do I have to pay back the Direct Parent PLUS loans?

Generally, you'll have from 10 to 25 years to repay your loan, depending on the repayment plan that you choose. You can choose to repay your PLUS loan using the Standard, Extended, or Graduated repayment plan.

The Direct Loan Servicing Center will notify you of the date your first payment is due. If you do not choose a repayment plan, the Dept. of Education will place you on the Standard Repayment Plan, with fixed monthly payments for up to 10 years. Most Direct Loan borrowers choose to stay with the Standard Repayment Plan, but there are other options for borrowers who may need more time to repay or who need to make lower payments at the beginning of the repayment period. Parents can change their repayment plans at anytime by going to the Direct Loan Servicing Center's website at www.dl.ed.gov and logging into their account.

How much can I borrow?

The yearly limit on a PLUS Loan is equal to your cost of attendance minus any other financial aid you receive.

If the parent has an adverse credit history but cannot find an endorser, can the student receive additional Direct Unsubsidized Loan funds?

Yes, Dependent students whose parents have applied for but were unable to get a PLUS Loan are eligible to receive additional Direct Unsubsidized Loan funds.

Is there a loan fee?

Yes. The U.S. Department of Education charges a loan fee of 4% of the principal amount of each Direct PLUS Loan. This fee is deducted proportionately from each disbursement of your loan.

What are my options if I have an adverse credit history?

You may still receive a Direct PLUS loan if you obtain an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the loan if you do not repay it. If you have an adverse credit history you will be notified by the Direct Loan Serving Center on the procedures in obtaining an endorser.

What are the eligibility requirements for a Parent PLUS Loan?

Parent PLUS Loan Eligibility Requirements:
You must be the student's biological or adoptive parent or the student's stepparent, if the biological or adoptive parent has remarried at the time of application.
Your child must be a dependent student who is enrolled at least half-time at a school that participates in the Direct Loan Program. For financial aid purposes, a student is considered """"dependent"""" if he or she is under 24, unmarried, and has no legal dependents at the time the Free Application for Federal Student Aid is submitted.
If a student is considered dependent, then the income and the assets of the parent have to be reported on the FAFSA (Exceptions are made for veterans, wards of court, and other special circumstances).

What is considered to be an adverse credit history?

You are considered to have an adverse credit history if you are 90 or more days delinquent on any debt or if, within 5 years of the date of the credit report, you have been subject of a default determination, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or write-off of a Federal Student Aid debt (for example, a Direct Loan or Federal Stafford loan).

What is the interest rate on the loan?

The interest rate for Direct PLUS Loans is a fixed rate of 7.9%. Interest is charged on Direct PLUS Loans during all periods, beginning on the date of your loan's first disbursement. To find out more information on interest rates for Direct PLUS Loans, contact the Direct Loan Servicing Center.

When do I have to begin repaying a Direct PLUS Loan?

There is no grace period for Direct PLUS Loans - the repayment period for each Direct PLUS Loan you receive begins 60 days after your school makes the last disbursement of the loan. However, if you're a parent PLUS borrower who is also a student, you can defer repayment while you're enrolled in school at least half time and (for Direct PLUS Loans first disbursed on or after July 1, 2008) for an additional 6 months after you graduate or drop below half-time enrollment.

Will I receive a disclosure statement?

You will receive a disclosure statement that gives you specific information about any loan that the school plans to disburse under your MPN, including the loan amount, fees, and the expected disbursement dates and amounts.


COMPLETION OF THE MASTER PROMISSORY NOTE

Completion of the Master Promissory Note

To take out a Direct Loan for the first time, you must complete a Master Promissory Note (MPN). The MPN is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the Department of Education. It also explains the terms and conditions of your loan(s). You can complete the MPN online at the Direct Loans Master Promissory Note website at https://studentloans.gov/myDirectLoan/index.action.


ELIGIBILITY REQUIREMENTS

Are non-citizens eligible for financial aid?

A non-citizen who is in the U.S. as a permanent resident is eligible for federal student aid assistance. A non-citizen (which can include F1, F2, or M1 student visas, B1 or B2 visitor visas, J1 or J2 exchange visitor visas, G, H, or L series visas, or I-171 or I-464 statuses) in the U.S. on a temporary visa is not eligible for federal aid, but may be eligible for assistance through the college's grants, scholarships or employment postings.

I am not admitted to a degree or eligible certificate program. Can I receive aid?

Unfortunately, no. Only a student officially admitted to a degree or eligible certificate program can receive financial aid.

What is considered a remedial course?

Financial aid will only pay for 30 credit hours of transitional/remedial courses.
If students exceed the 30 hour limit, financial aid will be reduced to not include any additional remedial hours.

Included courses:
All ""0"" level classes all 100 level classes other non-degree classes
ENG 031, BIO 100, MAT 150, ENG 032, CHM 100, NUR 170, MAT 031, ENG 100, PHM 116, MAT 032, GER 100, RDG 031, NUR 100, RDG 032, and OST 100

What programs are not eligible for financial aid?

The following programs are ineligible for Financial Aid:
· Funeral service
· Health care risk management
· International business
· Occupational therapy assistant
· Pharmacy tech
· Physical therapy assistant
*Some financial aid options are available but students must meet certain requirements. These requirements can be found at: http://www.fdtc.edu/admissions/FinancialAid/EligiblePrograms.asp.

Note: A student may not receive any type of financial aid as an undeclared major. A student may not receive any type of financial aid for continuing education classes. Financial aid does not pay for audit classes.


ENTRANCE COUNSELING & MPNS

Entrance Counseling & MPNs

I just completed my Entrance Counseling and/or Master Promissory Note (MPN). Why is it not reflecting on my financial aid documents screen as received?
The school will receive electronic notification within 24 hours that you have completed the Entrance Counseling and/or Master Promissory Note. These documents are not shown with the other financial aid documents you have completed, but are attached directly to your loan award.


FAFSA QUESTIONS

Do I have to complete a FAFSA each year?

Yes, you must complete a FAFSA each academic year as soon as you decide you are going to school.

Have you received my FAFSA?

After you have completed your FAFSA you will need to wait at least 2 weeks, before attempting to check the status. If the institution has not received it by this time, please check the FAFSA site to ensure there are no errors displayed for you to correct.

What information will I need to complete the FAFSA?

You need the following information in order to complete the FAFSA:
· Actual or estimated tax returns;
· W-2 Forms and other records of earnings;
· Records of untaxed income (e.g. Social Security and veteran's benefits records)
· Investment records;
· Bank statements;
· Mortgage information;
· Business and farm records;
· Driver's license; and
· Social Security Number.
For married or dependent students family financial information will be needed as well.

What is involved with processing my financial aid?

File your FAFSA-this takes 2 -3 weeks for us to receive your FAFSA data from the Dept of Education. If you are selected for the verification process, we must verify the information that you put on the FAFSA with information from documents that we request (i.e. verification work sheet, signed tax returns, W2s, etc.).

Once we receive your submitted documents and your file is reviewed, we will submit any corrections to the Department of Education-this process takes approximately 2 weeks.

Once your corrections come back, you will be officially awarded-this process takes 2-3 days.
If you are not selected for verification, your file will be reviewed by a counselor-this takes 5-7 days depending on time of year.

What were the corrections made to my FAFSA application?

Corrections are made to your FAFSA to clear up any discrepancies between the initial information you submitted on your FAFSA and the information that we received on your Verification Worksheet/Military Untaxed Income Worksheet/Federal Tax Returns/w2s and/or other documents requested. For instance, if you recorded on the FAFSA that you did not have income for a particular tax year, but you submit tax returns or a W-2 that indicates you did have income, we must make corrections to your FAFSA. These changes can affect your eligibility for aid.


FAFSA VERIFICATIONS

My parents don't support me-can I file as independent to receive financial aid?

You are only an independent student IF at least one of the following applies to you:
· You were born before Jan. 1, 1990 (for the 2013-14 academic year).
· You're married on the day you apply (even if you are separated but not divorced).
· You are or will be enrolled in a master's or doctoral degree program (beyond a bachelor's degree) at the beginning of 2013-14 academic year.
· You are currently serving on active duty in the U.S. Armed Forces for purposes other than training.
· You're a veteran of the U.S. Armed Forces.
· You have children who will receive more than half their support from you between July 1, 2013 and June 30, 2014.
· You have legal dependents (other than your children or spouse) who live with you and who receive more than half their support from you now and through June 30, 2014.
· When you were age 13 or older, both your parents were deceased and you were in foster care or a dependent or ward of the court.
· As of the day you apply for aid, you are an emancipated minor as determined by a court in your state of legal residence.
· At any time on or after July 1, 2012, were you considered homeless.

What do you need to complete verification?

Students must send an IRS transcript of your and your parents' (if dependent) federal tax returns to the financial aid office. You will also have to complete aVerification Worksheet that you can obtain from the Financial Aid Office or the school website.

Contact a Financial Aid Counselor to see what additional information or documentation may be needed. Respond quickly to all correspondence. Once the Financial Aid Office receives your electronics Student Aid Report (SAR), we will request additional information to complete your file. The earlier we receive the required information, the earlier we can determine your eligibility for financial aid. The verification process must be completed no later than 60 days after the last date of enrollment or June 30, whichever comes first. The verification process must be completed before the Office of Financial Aid and Scholarships can award any aid.

What is the difference between an independent and dependent student?

Dependent students must report their parent's income and assets and independent students must report their own income and assets, and their spouses if married.

Why was I selected for verification?

You were chosen randomly by the Dept of Education, theFinancial Aid Office, or you provided discrepant information. Our office will notify you and request additional information.


FDTC TITLE IV SCHOOL CODE

What is Florence-Darlington Technical College's school code?

The Title IV school code for Florence-Darlington Technical College is 003990.


FEDERAL STAFFORD LOANS

Are there fees associated with a Direct Stafford Loan?

Yes. The U.S. Department of Education charges a loan origination fee of 1% of the principal amount of each Direct Stafford Loan. This fee is deducted proportionately from each disbursement of your loan.

Can I cancel a Direct Stafford Loan after I've applied?

Before your loan money is disbursed (paid out), you may cancel all or part of the loan by notifying your school. You need to complete anotherloan request form and select the option to Decline Loan. Submit the form directly to the financial aid office if you loan funds have not been disbursed yet. After your loan money is disbursed, you may cancel all or part of your loan within certain timeframes.

For details, refer to the Borrower's Rights and Responsibilities Statement that accompanies your MPN. Students can retrieve their MPN Rights and Responsibilities: https://studentloans.gov/myDirectLoan/index.action, click on Retrieve MPN, and follow on-screen instructions.

Can I postpone payments while I am in school?

Yes. While you are enrolled in school on at least a half-time basis, you are eligible for an in-school deferment that allows you to postpone payments on your Direct Stafford Loan until you graduate or drop below half-time status.

Do I need to apply for an in-school deferment each year?

Generally, the school will certify your expected graduation date with the Dept of Education. The in-school deferment on your Direct Stafford Loan will then remain in effect until you graduated or drop below half-time enrollment status

How much will I have to pay each month?

Your monthly payment amount on a Direct Stafford Loan will vary depending on the repayment plan that you choose and how much you borrowed. You can obtain estimated monthly payment amounts for different debt levels or for other repayment plans by contacting the Direct Loan Servicing Center at www.myedaccount.com or 1-800-848-0979.

How soon do I have to begin making payments after my in-school deferment ends?

Direct Stafford loans- You have a 6-month grace period before you have to begin repayment.
Subsidized loan – During the grace period, you won't have to pay any principal and you won't be charged interest.
Unsubsidized Loan – You won't have to pay any principal, but you will be charged interest. Remember, you can pay the interest as you go along or it will be capitalized (added to the principal loan balance).

If I'm a dependent student how much can I borrow?

$5,500 if you're a first-year student enrolled in a program of study that is at least a full academic year. No more than $3,500 of this amount can be in subsidized loans.

$6,500 if you've completed your first year of study and the remainder of your program is at least a full academic year. No more than $4,500 of this amount can be in subsidized loans.

If I'm an independent student how much can I borrow?

$9,500 if you're a first-year student enrolled in a program of study that is at least a full academic year. No more than $3,500 of this amount may be in subsidized loans.

$10,500 if you've completed your first year of study and the remainder of your program is at least a full academic year. No more than $4,500 of this amount may be in subsidized loans.

What are the aggregate total limits for direct subsidized and unsubsidized loans?

The aggregate total limits for direct subsidized and unsubsidized loans are:
$31,000 for dependent undergraduate students excluding those whose parents are unable to borrow a PLUS Loan (no more than $23,000 may be subsidized)
$57,500 for independent undergraduate students and dependent undergraduates whose parents are unable to borrow a PLUS loan (no more than $23,000 may be subsidized)

What are the eligibility requirements?

You must be enrolled at least half-time at a school that participates in the William D. Ford Direct Loan Program, and must meet all of the other general requirements for the federal student aid programs.

What does Direct Lending mean?

Loans made and processed through this program indicate the US Dept. of Education is the lender. All repayments are made directly to them.

What is a subsidized Direct Stafford loan?

A loan from the Dept. of Education to students who can demonstrate financial need. For a subsidized loan, the Dept. of Education pays the interest for you while you are school at least 1/2 time, for the first six months after you graduate or drop below 1/2 time.

What is an unsubsidized Direct Stafford loan?

A loan from the Dept. of Education for students who do not require to demonstrate financial need. For an unsubsidized loan, you, as the student are responsible for paying the interest that accrues on the loan from the time the loan is disbursed until it's paid in full. You can pay the interest while you are in school or during a period of deferment or forbearance.

What is Entrance Counseling?

Before receiving a student loan, borrowers must complete an entrance counseling session. This quick and easy interactive counseling session provides useful tips and tools to help you develop a budget for managing your educational expenses and helps you to understand your loan responsibilities. It is a federal requirement that you complete thisEntrance Counseling session before your loan will disburse.

What repayment plans are available?

You will be able to choose from a variety of repayment plans that are designed to meet your individual needs. The Direct Loan Servicing Center will provide you with information on available repayment plans. You may contact the Direct Loan Servicing Center at www.myedaccount.com or 1-800-848-0979.

Will I receive a disclosure statement?

You will receive a disclosure statement that gives you specific information about any loan that the school plans to disburse under your MPN, including the loan amount, fees, and the expected disbursement dates and amounts.


FEDERAL WORK-STUDY

How much does a Federal Work-Study job pay?

Federal Work-Study currently pays $7.75 per hour.

I need my work study check mailed to a different address for the summer.

Please contactMelanie at x8319 or Lisa at x8318 in the HR department to change your address.

What is the Federal Work-Study Program?

The College Work-Study program is a Federal Campus based aid program. The College Work-Study program provides jobs for students who have documented financial need and who wish to earn part of their educational expenses while they are attending school. Jobs average 20 hours per week and range from clerical worker to research assistant to community service. Generally, work hours are flexible enough to accommodate students' academic schedules. Students working in the College Work-Study program should be aware that they are paid on a monthly basis. The first paycheck is available after the student has worked for one month. Students who meet the application deadline for campus programs and are eligible to participate in the College Work-Study program are notified of their eligibility. The rate of pay is determined by the prevailing minimum wage rate. A student must be enrolled at least half- time (six semester hours or more).


FINANCIAL AID OFFICE HOLDS

Financial Aid Office Holds

You may have a hold on your account if you owe money to the school, or if you are currently in default on a student loan. Once you have paid the debt to the school or have been taken out of default status by your lender, then the hold on your account will be lifted. If you owe money to the school you may be eligible to use financial aid funds from the next semester to pay your past debt to the school. You need to come to the financial aid office to discuss your options on covering any past debt to the school.


FLORENCE-DARLINGTON TECHNICAL COLLEGE FINANCIAL AID OFFICE CONTACT INFORMATION

By Email

financialaid@fdtc.edu

By Fax

843-661-8122

By Mailing Address

P.O. Box 100548
2715 West Lucas Street
Florence, SC 29501

By Phone

843-661-8085

Office Hours

Monday - Friday (8:00 - 5:00)
During the summer semester, hours are Monday - Thursday (8:00 a.m. - 5:30 p.m.) Friday (8:00 a.m. - 11:30 a.m.)


GENERAL QUESTIONS

My financial situation has changed, what can I do to see if I qualify for more financial assistance?

In some cases a financial aid award can be adjusted based on a change in a family's financial situation. That change may involve unemployment, a reduction in work hours or other factors that impact family income. Please contact the FDTC Financial Aid Office. A financial aid counselor will work with you to review whether adjustments can be made based on the change in circumstances.

Why can't the information on my son's or daughter's account be released to me?

Access to private academic or financial student information is restricted by federal FERPA policies unless you sign a written waiver in our Registrar's Office giving the College permission to release your information to someone other than you.


GRANTS

WIA: The Workforce Investment Act (WIA) Program

WIA: The workforce investment act (WIA) is a federally funded grant program that offers a variety of services to job seekers and employers. Florence-Darlington Technical College provides the adult and dislocated worker intensive services component of the Workforce Investment Act for upper Florence County and is located at the Florence One Stop Workforce Center.

Under WIA, job search/job placement assistance is offered through core services. A self-directed approach or through intensive services with a case managed approach. Eligible participants who have been unsuccessful in locating suitable employment through the use of core and intensive services may be recommended for training services to receive financial assistance for a variety of types of skill training. WIA funded participants may also be eligible to receive assistance with childcare and transportation expenses.

Contact Information:
WIA Program
843.669.4271


MASTER PROMISSORY NOTE (MPN)

Can the MPN that I signed for my Direct Subsidized/Unsubsidized Loans be used for my student's Direct PLUS Loans?

No. The parent must sign a separate PLUS MPN.

How do I complete my MPN for my PLUS loan?

To complete an MPN online, you will be required to use your Department of Education-issued PIN. If you do not have a PIN, you may request one from the official PIN site at http://www.pin.ed.gov. A parent borrower must also request a PIN number from the PIN site to use when completing a PLUS MPN. Your PIN is the same as your FAFSA pin. Pleasevisit the MPN site: https://studentloans.gov/myDirectLoan/index.action

What is a Master Promissory Note (MPN)?

To take out a Direct Loan for the first time, you must complete a Master Promissory Note (MPN). The MPN is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the Department of Education. It also explains the terms and conditions of your loan(s). You can complete the MPN online at the Direct Loans Master Promissory Note website.

Will I need to complete a MPN every year for my PLUS loan?

In most cases, once you've submitted the MPN and it's been accepted, you won't have to fill out a new MPN for future loans you receive. You may borrow additional Direct Loans on a single MPN for up to 10 years.

Will I need to complete a MPN every year for my Stafford loan?

In most cases, once you've submitted the MPN and it's been accepted, you won't have to fill out a new MPN for future loans you receive. You may borrow additional Direct Loans on a single MPN for up to 10 years.


PELL GRANT

After I apply, what am I waiting for?

You're waiting for a Student Aid Report (SAR). That's what the government sends back to you. The SAR lets us know if you are eligible to receive a Pell Grant. On the SAR is an EFC number (Estimated Family contribution). This number is what the federal government has determined you can contribute to your own education. Your award will be based on this EFC number.

Am I eligible for a Pell Grant?

To be eligible for Federal aid a student has several requirements:
· have a financial need;
· have a high school diploma or a General Education Development (GED) Certificate or pass an approved ability to benefit test (COMPASS test);
· are enrolled or accepted for enrollment as a regular student working toward a degree in an eligible program;
· is a U.S. citizen or eligible non-citizen;
· have a valid social security number;
· make satisfactory academic progress;
· sign a statement on the Free Application for Federal Student Aid (FAFSA) certifying that you will use federal student aid for educational purposes only;
· sign a statement on the FAFSA certifying that you are not in default on a federal student loan and that you do not owe money back on a federal student grant;
· register with the Selective Service, if required. If you are a male 18 through 25 years of age and you have not yet registered with Selective Service, you can give Selective Service permission to register you by checking a box on the FAFSA. You can also register through the internet at: http://www.sss.gov.

Are there rules for immigrants to qualify for a Pell Grant?

Yes. To qualify for a Pell Grant you must be able to live and attend school legally in the United States as a U.S. citizen, U.S. national or eligible non-citizen. If you are an eligible non-citizen, you must be a:
· U.S. permanent resident (has Alien Registration Card or I-551);
· Conditional permanent resident (has I-551C Card);
· Refugee;
· Asylum grantee;
· Parolee; or
· Cuban-Haitian entrant with an Arrival Departure Record (I-94) from the Immigration and Naturalization Service (INS).

How and when do I apply for a Pell Grant?

You must apply for not only a Pell Grant but all federal aid by completing the Free Application for Federal Student Aid (FAFSA) online at www.fafsa.ed.gov.

For the 2013-2014 school year, submit your FAFSA application as early as possible, but no earlier than January 1, 2013.

How do I know if I am going to receive a Pell Grant award?

After completing your FAFSA, you will receive an EFC (Expected Family Contribution). To qualify for a Pell Grant award, you must have an EFC between 0 and 5081 for the 2013/2014 school year.

How long can I continue to receive a Pell Grant?

Students are limited to a lifetime maximum Federal Pell Grant of 12 semesters/6 years of full time equivalent at any community college, vocational school or four year/bachelor program. Students have only twelve full time equivalent semesters of Pell to earn up to a bachelor's degree. Once the 12 semester lifetime limit is reached, there is no more Pell availability for the student.

How long does it take to get a Pell Grant?

That depends on you. The sooner you complete your FAFSA application and submit any other documents requested, the sooner you will know about your grant.

How many credit hours do I have to take to get a Pell Grant?

Students can receive a Pell grant if they are registered in one credit hour.

How much money can I get through Pell Grant program?

The maximum Pell Grant awards can be found here: http://ifap.ed.gov/ifap/wst.jsp. The amount of the grant depends on both the student's EFC and several other factors. These factors are the student's cost of attendance (tuition and fees, room and board, books, supplies, and so on) and the amount of time the student attends school (whether the student goes to school for a full academic year or less and whether the student is full-time or part-time). An eligible part-time student can receive a Pell Grant. The amount awarded, however, will be less than for a full-time student. An applicant may receive up to two Pell Grants in an award year and may not receive Pell Grant funds from more than one school at a time.

How often do I have to apply for the Pell Grant?

You only need to apply once per academic year via the FAFSA.

I haven't finished my taxes yet. I need to apply for my Pell grant. What should I do?

You have to complete your taxes before a FAFSA can be processed for you. If you complete the FAFSA and select ""I will file, but I have not completed my tax return"", then you will have to turn in a copy of completed taxes before your file can be finalized and an award made.

If I get a Pell Grant, when will it disburse to my account?

The Pell Grant award will not disburse until Pell census.

What documentation will I need to apply for a Pell Grant?

· To apply for a Pell Grant you will need to submit a Free Application for Federal Student Aid (FAFSA). You need the following information in order to complete your FAFSA:
Actual or estimated tax returns;
W-2 Forms and other records of earnings;
Records of untaxed income (e.g. Social Security and veteran's benefits records)
Investment records;
Bank statements;
Mortgage information;
Business and farm records;
Driver's license; and
Social Security Number.
· For married or dependent students family financial information will be needed as well.

What if neither I nor my parents will file an income tax return?

If you or your parents are required to file a tax return, you must do so in order to be eligible for not just the Pell Grant but all Federal aid. If you are not required to file taxes, please select the “will not file” option on the FAFSA application. You will have to provide proof all income you had for the year in question.

What is a Pell Grant?

The Federal Pell Grant is a student financial aid program designed to assist students in pursuing their undergraduate degree. The purpose of the Pell Grant is to provide eligible students with a ""foundation"" of financial aid to help defray the cost of post secondary education. This grant does not have to be repaid, unless the student withdraws from school and owes a refund. The Free Application for Federal Student Aid (FAFSA) is used to process the Pell Grant. A Student Aid Report (SAR) will be sent to the applicant. Full awards are based on a minimum of 12 hours. Students taking between 9-11 hours will be awarded on a three-quarter basis. Those taking 6-8 hours will be awarded on a half-time basis. Students enrolled for less than half-time will be awarded on a less than half-time basis.

Awards range from $605 to $5,645 for the 2013-2014 academic year. Students enrolled as undergraduates and have earned a bachelor's degree are not eligible.


PIN INQUIRIES

What is a FAFSA pin number?

A FAFSA PIN is a personalized 4-digit number issued only to you by the US Department of Education that allows you to sign your FAFSA application electronically. You will also use your PIN to sign your Master Promissory Note (MPN) and Entrance Interview if you are awarded student loans. A PIN can be obtained from the PIN website at www.pin.ed.gov.

Where do I get a FAFSA PIN number?

Please visit the Dept of Education's PIN site for more information. You can also request a duplicate PIN if you have lost it. Go to http://www.pin.edu.gov/.


PLUS LOANS

Can I cancel a PLUS Loan after I've applied?

Before your loan money is disbursed (paid out), you may cancel all or part of the loan by notifying your school. After your loan money is disbursed, you may cancel all or part of your loan within certain timeframes. For details, refer to the Borrower's Rights and Responsibilities Statement that accompanies your PLUS MPN. Parents can retrieve their MPN Rights and Responsibilities: http://dlenote.ed.gov, click on Retrieve MPN, and follow on-screen instructions.

Can I postpone payments while I'm in school?

If you're a parent PLUS borrower, you can defer repayment of Direct PLUS Loans first disbursed on or after July 1, 2013 while the student for whom you obtained the loan is enrolled at least half time, and for an additional 6 months after the student graduates or drops below half-time enrollment (half-time enrollment status is determined by your child's school). You must separately request each deferment period.

Does my parent have to complete Entrance Counseling?

No. Parent Direct PLUS Loan borrowers do not have to complete entrance counseling.

How do I apply for a PLUS Loan?

Students are eligible for a Direct Subsidized and Unsubsidized or Parent PLUS Loan by completing a Free Application for Federal Student Aid (FAFSA) or when you renew your FAFSA. After completing the FAFSA, you would complete thePlus loan request form on the school website. You must complete additional requirements before loan funds can be credited to your account.

What is a Parent PLUS Loan?

Direct PLUS Loans are unsubsidized loans available to parents of dependent students to help pay for educational expenses up to the cost of attendance minus all other financial assistance.


PURCHASING BOOKS

Can I extend the time I have to use my aid for my books?

You cannot make any purchases towards your financial aid account once financial aid has been transmitted to the business office for refund checks to be processed.

Can I increase the amount of aid available for the bookstore?

The only way to increase the aid available in the bookstore is to increase your financial aid award, typically by applying for a student loan. If you do not receive enough pell grant to cover the cost of your tuition, then you may qualify for other aid such as South Carolina Need Based Grant and/or Lottery funds.

Can I use my financial aid to purchase books from another vendor (such as Amazon.com or Varsity Books)?

To use your financial aid award at another vender, you would have to wait until you receive your refund check. The initial Fall and Spring refund checks are mailed during week six of classes. The initial Summer refund checks are mailed during week three of classes. Refund checks will be mailed weekly for any awards made after the initial disbursements for Fall, Spring and Summer.

How do I buy my books?

You need to take a picture ID and a copy of your class schedule to the school bookstore.
You will be able to charge your books towards any remaining financial aid funds you have. Your total aid for the current semester minus the cost of tuition can beused in the book store to purchase books and supplies. You can view your aid amount on Webadvisor.

How do I receive aid for books and supplies?

Your financial aid award is placed on your student account. The award first pays the cost of your tuition.

You can then use any remaining funds to purchased books and supplies in the school bookstore. You can view your aid amount on WebAdvisor.

I attempted to use my financial aid for my books and was not able to.

If you have used all your financial aid to cover the cost of tuition and purchases made in the bookstore, then you will not have any funds remaining to purchase books in the book store.

What if I have remaining financial aid funds after tuition and bookstore purchases?

Any remaining financial aid funds, after tuition and bookstore purchases, will be mailed to you in a refund check. The initial Fall and Spring refund checks are mailed during week six of classes. The initial Summer refund checks are mailed during week three of classes. Refund checks will be mailed weekly for any awards made after the initial disbursements for Fall, Spring and Summer.


SAP POLICY & APPEALS

Can I appeal my Financial Aid Denied status? What is the process?

Complete theSAP Appeal Form.

If this is your first appeal then you need to complete the First SAP Appeal form, if you have had a previous appeal then you need to complete the SAP Committee Appeal form. Please read these documents carefully, you must submit a typed statement and you may be required to attach additional documentation.

What is Satisfactory Academic Progress (SAP)?

SAP is short for Satisfactory Academic Progress. All students who receive financial aid must maintain satisfactory academic progress towards their degree. SAP consists of a student's completion rate and GPA.

You must pass a minimum of 70 percent of all attempted courses and maintain a GPA of 2.0 for undergraduate programs.
Students who fail to meet one of the above standards will be placed on financial aid probation.

While you can continue to receive financial aid during your warning status, you can be placed on suspension status if you fail to maintain SAP for two consecutive terms.

Why am I Aid Denied?

A student is placed on Suspension status if they fail to meet Satisfactory Academic Progress (SAP) in two consecutive semesters. SAP is a combination of a student's completion rate and GPA. In order to maintain SAP, you must complete a minimum of 70 percent of all attempted courses and maintain a minimum 2.0 GPA for undergraduate programs.

Why am I on Financial Aid Warning? Can I still receive financial aid?

You can receive financial aid when you are in Warning status. Students are placed on Warning if your GPA for the preceding semester is below a 2.0, if you successfully completed less than 70% of the classes you attempted (this includes withdrawals), or if you have attempted close to 100% of the hours your current curriculum requires for graduation.


You may have a hold on your account if you owe money to the school, or if you are currently in default on a student loan. Once you have paid the debt to the school or have been taken out of default status by your lender, then the hold on your account will be lifted. If you owe money to the school you may be eligible to use financial aid funds from the next semester to pay your past debt to the school. You need to come to the financial aid office to discuss your options on covering any past debt to the school.


SEOG

How do I apply for FSEOG?

Fill out the Free Application for Federal Student Aid (FAFSA) application at http://www.fafsa.ed.gov. The information that you provide on your FAFSA will determine if you are eligible.

How is FSEOG determined?

FSEOG funds are awarded first to students with a zero Estimated Family Contribution (EFC).

How much can I receive in FSEOG?

The award for the academic year is $100, with the usual award being $50 per semester.

How will I know if I am getting FSEOG?

To receive FSEOG you must have an EFC of zero. FDTC has a set amount of FSEOG funds we receive each year. We award the funds to students in the order that the FAFSA are received. You can check your financial aid award letter onWebAdvisor to see if you have been awarded FSEOG.


TYPES OF AID

Are the scholarships renewable?

Yes, you can reapply for the scholarships each year.

Can I receive more than one scholarship per academic year?

Yes, you can receive more than one scholarship per academic year.

How do I apply for a scholarship?

You can apply for the scholarships that are offered through Florence-Darlington Technical College on theschool website.

How many credits do I have to register for to be eligible for a scholarship?

You must be registered for at least one course to be considered for a scholarship. There is no specific credit hour requirement.

How much can I receive from an Institutional scholarship?

Scholarship awards range from $500 to $1000 per semester.

If I receive a scholarship(s) can I still get financial aid funding?

Yes, you can receive financial aid funding if you receive scholarships. You need to complete the FAFSA at www.fafsa.gov to find out what financial aid you qualify for.

What are the deadlines to apply?

The deadline to apply for scholarships for the 2013/2014 school year is April 16, 2013.

When do you start awarding scholarships? If selected, how will I be notified?

Scholarship applications are reviewed in April for the fall semester, and in October for the spring semester. Scholarship funds are typically fully disbursed during the fall and spring semesters and no scholarship funds remain for the summer semester. An award letter will be mailed to students who receive a scholarship.

Where can I get more information about scholarships?

You can research the scholarships that are offered through Florence-Darlington Technical College on theschool website. For other third party scholarships you can go to www.collegeboard.org and www.fastweb.com. You may also want to contact your local organizations, companies and churches to ask about possible scholarships they offer.

Why was my scholarship cancelled?

To receive LIFE Scholarship you must be enrolled in at least 12 hours of non-remedial courses. At the end of the academic year you must have completed 30 hours of non-remedial courses and have a 3.0 cumulative GPA or higher to receive the LIFE Scholarship for the second year.

Third Party scholarships are reviewed and awarded through the Scholarship Committee each semester. You must apply each semester/year for these scholarships. The application is located on the school website: http://www.fdtc.edu/admissions/FinancialAid/scholarships/Login.asp.


VETERANS BENEFITS INQUIRIES

Who do I contact about Veterans Benefits?

Sharon Washington in the Registrar Office handles all Veteran Benefit programs. The Registrar phone number is 843-661-8090.


WITHDRAWAL AND RETURN OF TITLE IV POLICY

Consequences of Withdrawal

If you completely withdraw from all classes before completing 60% of the semester, you will be required to return the portion of the financial aid that was not earned to FDTC and/or the Department of Education. See the
Withdrawal and Return of Funds Policy.

Students who remain in at least one course after the drop/add period, will be eligible to keep their financial aid, but your SAP (Student Academic Progress) status will be effected if you successfully complete less than 70% of the courses you attempt in the semester. If you are receiving student loans and drop to less than six hours prior to receiving your refund check, then your loan will be cancelled.

Do I need to submit another FAFSA for the summer semester?

No, you do not need to submit another FAFSA for the summer semester.Summer Financial Aid is awarded from the preceding years FAFSA. (Ex. Summer 2014 is awarded from the 2013/2014 FAFSA)

How do I request financial aid for the summer semester?

Notify the financial aid office once you have registered for summer classes and your award will be made.

How will the money be returned?

The Business Office electronically transmits the return of funds.

Is there anything I should know about Standards of Academic Progress?

TheStandards of Academic Progress policy is located on the school website. The Financial Aid Office conducts Standards of Academic Progress Workshops on a monthly basis. These are posted on the calendar outside of the Financial Aid Office.

What if I stop attending classes and forget to withdraw?

Students who stop attending all classes without officially withdrawing will also be subject to a return of funds calculation at the end of the semester. The amount will be based on the last documented date of attendance as determined by the faculty.

What if my course I registered for is cancelled or I drop it?

If you are a financial aid recipient, you may need to register for another course to maintain your aid eligibility status. If your aid has already been awarded, it will be adjusted. If you drop a course, please see the refund policy. If you are not a financial aid recipient, please speak with Student Accounts regarding your tuition refund or other options.

Who is responsible for the Return of Funds?

The Business Office electronically transmits the return of fund.

Why do you have a policy to return monies when I withdraw from class(es)?

Federal Regulations require the school to return financial aid funds when a student withdraws from classes.