• Federal and State Programs

    Federal Pell Grant

    The Federal Pell Grant is available to students who qualify by completing the FAFSA. The award can be as much as $5,645 per year and is determined by the Expected Family Contribution (EFC).

    Federal Supplemental Education Opportunity Grant (SEOG)

    The Federal SEOG is available to students who qualify by being eligible for the Federal Pell Grant. These awards can be as much as $600 per year.

    Federal Direct Loan

    Direct Loans are available to all students who complete the FAFSA. There are two categories of a Direct Loan: subsidized and unsubsidized. With a subsidized loan, the government pays the interest while the student is in college, however, once the student is in grace period, interest will accrue. With an unsubsidized loan, the student is responsible for interest while in college. Repayment begins 6 months after the student drops below 6 credit hours, graduates or leaves school.
    Direct  Loan limits
    First Years $5,500      Sophomores  $6,500   Juniors/Seniors $7,500
    Please note: At least two thousand dollars, of the total award, will always be an unsubsidized loan. Independent freshmen and sophomores may qualify for an additional $4,000 in unsubsidized loans. Juniors and seniors may qualify for an additional $5,000 in unsubsidized loans. 

    Federal PLUS Loan

    Parents may borrow under the Federal Direct PLUS Loan Program on behalf of the student. Parents are eligible to borrow the cost of education minus aid based on creditworthiness.

    Independent Student Definition

    Students can file their FAFSA as independent from their parents if you meet one of the requirements below:
    *You have reached your 24th birthday before January 1st of the beginning of the academic year for which you are applying for financial aid.
    *You are married.
    *You have children who received more than half of their support from you.
    *You have dependents (other than your children or spouse) that live with you and who will receive more than half of their support from you, now through June 30th of the end of the academic year for which you are applying for financial aid.
    *You are an orphan or ward of the court (or were a ward of the court until age of 18) or certified as being homeless.
    *You are a veteran of the U.S. Armed Forces.

    Federal Work-Study Program

    Funds for the Federal Work-Study Program come from the federal government. Students are awarded federal work-study money based on their financial need as determined by the completed FAFSA. Students must be U.S. citizens or eligible non-citizens to receive these funds.

    Michigan Competitive Scholarship (MCS)

    A need and merit-based award given to students who qualify based on their EFC and ACT scores.

    Michigan Tuition Grant (MTG)

    A need-based award given to students attending private institutions who qualify based on Expected Family Contribution (EFC).

    Michigan Tuition Incentive Program (TIP)

    Awarded to students who received Medicaid assistance during their childhood or if the student is adopted. 

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