Types of Financial Aid

The Free Application for Federal Student Aid (FAFSA), must be completed to determine eligibility for federal financial aid.

To be eligible to receive federal student aid, you must:

• Be a citizen or eligible noncitizen of the United States
• Have a valid Social Security Number
• Have a high school diploma or a General Education Development (GED) certificate, or have completed homeschooling
• Be enrolled in an eligible program as a regular student seeking a degree or certificate
• Maintain satisfactory academic progress
• Not owe a refund on a federal student grant or be in default on a federal student loan
• Register (or already be registered) with the Selective Service System (sss.gov), if you are a male and not currently on active duty in the U.S. Armed Forces
• Not have a conviction for the possession or sale of illegal drugs for an offense that occurred while you were receiving federal student aid (such as grants, work-study, or loans). If you have such a conviction, you must complete the Student Aid Eligibility Worksheet to determine if you are eligible for aid or partially eligible for aid

Many types of federal student aid, such as the Federal Pell Grant or subsidized loans where the government pays the interest while you are in college, also require you to have financial need. Additionally, once you have a bachelor’s degree or a first professional degree, you are generally not eligible for Pell or Federal Supplemental Educational Opportunity Grants (FSEOG).

Other requirements may apply. Contact the NCMC Financial Aid Office for more information.

FEDERAL PELL GRANT

• Must complete the FAFSA each year
• For Undergraduates who do not have a bachelor’s degree
• Based on financial need
• $6,895 for the 2022-2023 school year

FEDERAL SUPPLEMENTAL EDUCATIONAL OPPORTUNITY GRANT (FSEOG)

• Must complete the FAFSA each year
• Must have 0 Expected Family Contribution (EFC)
• Based on exceptional financial need
• Maximum of $400 for the 2022-2023 school year

IRAQ AFGHANISTAN SERVICE GRANT

You may be eligible to receive the Iraq and Afghanistan Service Grant if:

• you are not eligible for a Federal Pell Grant on the basis of your Expected Family Contribution but meet the remaining Federal Pell Grant eligibility requirements, and
• your parent or guardian was a member of the U.S. armed forces and died as a result of military service performed in Iraq or Afghanistan after the events of 9/11, and
• you were under 24 years old or enrolled in college at least part-time at the time of your parent’s or guardian’s death.

FEDERAL WORK STUDY

• Must complete the FAFSA each year
• Based on financial need
• Part-time employment
• Earn $11.15 per hour

Learn more about Federal Direct Subsidized or Unsubsidized Loans offered at NCMC.

FEDERAL DIRECT PARENT PLUS LOAN (Parent Loan for Undergraduate Students)

• Must complete the FAFSA each year
• A parent may borrow for their child up to the cost of education minus all other financial aid
• Parent must apply for a Parent PLUS loan (includes credit check)
• Must submit an NCMC Federal Direct Parent PLUS Loan Request Form
• Must enroll in at least 6 credit hours
• All loans must be repaid

*A dependent student whose parents cannot borrow a PLUS loan (denied parent plus application required) may borrow an additional unsubsidized loan up to the independent annual loan limit.

A+ SCHOLARSHIP PROGRAM

This program provides scholarship funds to eligible graduates of A+ designated schools who attend a participating public community college or vocational/technical school, or certain private two-year vocational/technical schools.

For further information on this program please visit the MDHEWD website or the A+ Scholarship Program page.

ACCESS MISSOURI FINANCIAL ASSISTANCE PROGRAM

This is a need-based program designed to provide students with a simplified financial aid process, provide predictable, portable awards, and increase access to a student’s school of choice. Need is determined by the student’s expected family contribution (EFC) as calculated through the Free Application for Federal Student Aid (FAFSA).

Award amounts are based on the type of school you are attending when you receive the award. If you transfer to a different school, your award amount may change based on the type of school to which you transfer. If you are eligible for A+ tuition reimbursement, your Access Missouri award will be reduced by the amount of the reimbursement.

For further information on this program please visit the MDHEWD website.

BRIGHT FLIGHT PROGRAM

This is a merit-based program that encourages top-ranked high school seniors to attend approved Missouri post-secondary schools.

For further information on this program please visit the MDHEWD website.

KIDS’ CHANCE SCHOLARSHIP PROGRAM

This program is available to children of workers who were seriously injured or died in a work-related accident covered and compensated by workers’ compensation. A serious injury is one that led to a paid settlement or judicial award and is verified with information from the Missouri Division of Workers’ Compensation.

For further information on this program please visit the MDHEWD website.

MINORITY AND UNDERREPRESENTED ENVIRONMENTAL LITERCY PROGRAM

This scholarship is designed to assist academically talented minority and underrepresented individuals pursuing a bachelor’s or master’s degree in an environmental course of study that will lead to employment in a field that is clearly environmentally related. Recipients are selected by the Minority Environmental Literacy Advisory Committee.
Renewal students and members of the following severely underrepresented minority ethnic groups have award priority: African Americans, Hispanic or Latino Americans, Native Americans and Alaska Natives, and Native Hawaiians and Pacific Islanders.

For further information on this program please visit the MDHEWD website.

PUBLIC SAFETY OFFICER OR EMPLOYEE’S CHILD SURVIVOR GRANT

This is a program that provides tuition assistance to certain public employees and their families if the employee is killed or permanently and totally disabled in the line of duty.

Public safety officers include firefighters, police officers, capitol police officers, parole officers, probation officers, state correctional employees, water safety officers, conservation officers, park rangers, or highway patrolmen employed by Missouri or a political subdivision of the state.
A permanent and total disability is a disability that renders the person unable to engage in any gainful work.
If you are a dependent child, you will remain eligible through the semester in which you turn 24, unless you have already received your first bachelor’s degree by that time.

For further information on this program please visit the MDHEWD website.

WARTIME VETERAN’S SURVIVORS GRANT

This program is available annually to children and spouses of Veterans whose deaths or injuries were: a result of combat action or were attributed to an illness that was contracted while serving in combat action, or who became 80% disabled as a result of injuries or accidents sustained in combat action since September 11, 2001. The total number of veterans that may receive a grant in any year is limited by statute to 25. The veteran must have been a Missouri resident when first entering the military service or at the time of death or injury. The Missouri Veteran’s Commission determines whether the veteran meets the program’s requirements.

For further information on this program please visit the MDHEWD website.

FAST TRACK INCENTIVE GRANT

The Fast Track Workforce Incentive Grant is a new financial aid program for adults. The grant addresses workforce needs by helping adults pursue a certificate, degree, or industry-recognized credential in an area designated as high need. Grant recipients must maintain Missouri residency and work in Missouri for three years after graduation to prevent the grant from becoming a loan that must be repaid with interest.

For further information on this program please visit the MDHEWD website.

MISSOURI SAVING FOR TUITION (MO$T) PROGRAM

This savings program allows individuals to establish state-sponsored savings accounts for qualified post-secondary education expenses. Contributions to these accounts, up to the annual cap amount, and interest earnings will not be taxed by the state. Such accounts will also allow contributors to take advantage of certain federal tax incentives related to educational savings. For more information about the MO$T Program, call toll free (888) 414-5678 (MO$T) or visit the website at www.missourimost.org.

MISSOURI HEALTH PROFESSIONAL NURSING STUDENT LOANS

Professional and Practical Nursing Student Loans provide financial aid to students pursuing careers as licensed practical nurses or professional nurses in underserved areas of Missouri. For further information on this program or to obtain an application please visit Health Professional Nursing Student Loans.

NORTH CENTRAL MISSOURI COLLEGE BOARD OF TRUSTEES SCHOLARSHIP

Academic scholarships open to high school seniors or those who have graduated within the last year. Students completing a home- school high school program are also eligible by meeting the ACT requirement below. Scholarship award could be up to $600 per semester, renewable for three additional semesters.

To be eligible you must:

• Have a minimum cumulative high school GPA of 3.75 OR have an ACT composite superscore of 24 or higher
• Be a first-time entering college student (college credit earned while in high school does not affect initial eligibility)
• Enroll as a full-time student at NCMC

To renew the award:

• Maintain continuous full-time enrollment
• Maintain a minimum cumulative GPA of 3.25

NCMC Foundation Scholarship

Since 2013, the NCMC Foundation’s Gifts in Action Scholarship Campaign has helped to educate tomorrow’s leaders by contributing to the growth of endowed scholarship funds. Only a portion of endowed funds is awarded each year which guarantees the Foundation will continue to assist generations of future students to pursue their educational dreams. The Foundation is blessed to manage over 50 endowed/named scholarships. Learn more about NCMC Foundation Scholarships.

• Allied Health Scholarships
  The NCMC Foundation’s Gifts in Action Scholarship Campaign has helped to educate tomorrow’s leaders in the field of allied health by contributing to the growth of endowed scholarship funds since 2013. Only a portion of endowed funds is awarded each year which guarantees the Foundation will continue to assist generations of future allied health students to pursue their educational dreams. The Foundation is blessed to manage over 10 endowed/named allied health scholarships. To learn more visit Allied Health Scholarships.

E2 EDUCATION EMPOWERS SCHOLARSHIP

Scholarship awarded to an incoming full-time, first-year NCMC student. Scholarship award is $600 per semester, renewable for three additional semesters.

Eligibility requirements:

• Must be a resident from the NCMC service area consisting of the following counties in Missouri: Andrew, Atchison, Caldwell, Daviess, De Kalb, Gentry, Grundy, Harrison, Holt, Linn, Livingston, Mercer, Nodaway, Putnam, Sullivan or Worth.
• Incoming high school students must have a cumulative grade point average of 3.0 in high school and supply a copy of their high school transcript.
• GED students must have a minimum score of 501 and supply a copy of their GED scores.
• College transfer students must have a cumulative grade point average of 3.0 from the previous college and must provide a copy of their college transcript.

Scholarship applications are provided annually by the Office of Financial Aid upon request in the fall semester. Scholarship application deadline is October 1.

NEW TRADITIONS SCHOLARSHIPS

Scholarships awarded to NCMC students who are displaced homemakers, single parents, nontraditional majors, economically disadvantaged, or have a disability or limited English proficiency. Scholarship recipients will be notified by the Office of Financial Aid.

NCMC ATHLETIC SCHOLARSHIPS

Scholarships available to outstanding athletes in the areas of softball, baseball and basketball. Recipients are selected on an individual basis by the NCMC Athletic Director and coaches.

INTERNATIONAL SCHOLARSHIPS

Scholarships available for International students on an F-1 student visa, qualified applicants may be eligible for up to $500 a semester in scholarship funds based on funds availability. Students must live in the residence halls to receive the scholarship. Renewal of the scholarship each semester is based on maintaining F-1 visa status, satisfactory academic progress, no disciplinary actions for conduct, and continued residence in the residence halls.

EMPLOYERS

May have programs to help pay the cost of postsecondary education for employees, members, or of their children.

COMMUNITY

MISSOURI JOB CENTER INFORMATION

Dislocated Worker Program visit https://nwwdb.org/programs/.

SNAP (Food Stamps), Medicaid, Childcare assistance visit http://dss.mo.gov/fsd or call (855) 373-4636.

Vocational Rehabilitation visit Vocational Rehabilitation Services or contact your local VR district office:

The Missouri Job Center also offers the following services to students:
Career Exploration, Resume Development, Job Search Assistance, Access to Applications, Skill Assessment, Job Training Programs (Grants for Education), Scholarship Information, Labor Market Information, Training Site Information

Workshops to include: Job Search, Resume Building, Interview Skills, Basic Computer Skills

UMOS, Inc. National Farm Work Jobs Program

Workforce Innovation and Opportunity Act—Assistance with career services and training, funding for school and related costs, weekly stipends, job search assistance and emergency assistance for eligible migrant and seasonal farmworkers.

To learn more, visit https://www.umos.org/workforce-development/.

Gamm

• For students enrolled in a Vocational Program who live in one of the following counties: Adair, Clark, Knox, Lewis, Macon, Marion, Monroe, Pike, Putnam, Ralls, Randolph, Schuyler, Scotland, Shelby, and Sullivan.
• Must meet Gamm program criteria including age, income and competency requirements

For further information contact:

Kim Hinkle, Office Manager ([email protected])
Dana Keller, Executive Director ([email protected])
PO Box 49
103 South Third Street
La Belle, MO 63447
(660) 213-3221
www.gamminc.org

For online scholarship searches our office recommends the following scholarship sources:

As a general rule, students should only consider obtaining a private education loan if they have maxed out their Federal Direct Loan eligibility or if they are no longer eligible for Federal financial aid through the FAFSA.

Alternative loans are loans taken through private lenders, used for educational purposes. If you are considering using an alternative loan, we recommend visiting www.finaid.org/loans/privatestudentloans and reading about these loans and your lender options.

The Code of Conduct for Education Loans has been developed to prohibit a conflict of interest with responsibilities of North Central Community College employees in regards to private education loans and in compliance with the Higher Education Opportunity Act.

It is the responsibility of the borrower to know their rights under the Truth in Lending Act. If you are considering a private loan make sure that you read and understand this information: Truth in Lending Act .

The Private Education Loan Applicant Self-Certification form is available to NCMC students upon request at the Financial Aid Department or by viewing online.

Applying for Federal Student Loans is a Better Option: If you have not completed a FAFSA application (studentaid.gov), it is recommended that you do so. Students who are seeking an eligible certificate or degree with NCMC and who meet other eligibility criteria may have eligibility for Federal Student Loans. These loans may be more favorable for you, as a borrower, than the use of a private student loan. You can read more about Federal Student Loans at studentaid.gov.

The Mission of the Military & Veteran Services Team at NCMC is to create a welcoming environment that is dedicated to supporting the needs of military service members, veterans, and dependents as they make the transition to higher education and pursue their career goals.

Find more information about educational benefits, services and resources available to our Military & Veteran Students on the NCMC website.