Financial Aid

About Student Financial Aid

The most important function of the Alamo Colleges District's Student Financial Aid (SFA) office is to administer and manage financial assistance programs to the benefit of eligible students and families who are unable to afford the cost of a college education. The goal of the SFA office is to award and help students maintain eligibility for the federal, state and institutional financial aid programs they qualify for. 

Financial aid comes in three basic types:

• Grants and Scholarships 
• Work-study programs
• Loans

Any or all of these may be combined in a financial aid package to help pay for educational expenses. Grants and scholarships are considered free aid that the student does not need to repay. Loans must be repaid and are therefore not encouraged unless it is necessary to cover your cost of attendance.

This section describes most available financial aid programs, their requirements, and other pertinent policies and procedures. Not all policies and procedures that SFA Offices of the Alamo Colleges District are required to follow are listed. Policies listed here are only those deemed most important to students. The Alamo Colleges District complies with all state and federal regulations governing administration of student financial aid programs. It is important to note that these policies change unexpectedly as a result of legislative action or U. S. Department of Education interpretation. Therefore, in the event of changes after the editing of this catalog, the Alamo Colleges District will comply with the most current regulations and interpretations thereof. Extensive financial aid information can be found at the Alamo Colleges District’s Student Financial Aid webpage. This link will also provide additional information about student aid programs, scholarship searches, applying for financial aid, and links to other helpful websites.

What Is a FAFSA and TAFSA and What Does It Do

The U.S. Department of Education established the Free Application for Federal Student Aid (FAFSA) application process in order to determine a student’s financial aid eligibility for all federal financial aid programs. The state of Texas has also opted to accept the FAFSA and the financial aid methodology it represents to establish eligibility for state financial aid programs.

The FAFSA is the first step in the financial aid process and assesses students’ or a families’ financial ability to pay their college expenses. Responses to questions on the FAFSA go into a formula that results in calculating a student’s Student Aid Index (SAI). Colleges use the SAI to determine how much financial support a student may need and their state, federal or institutional aid eligibility.

The FAFSA is available online at studentaid.gov. A paper version is also available from the Department of Education. Each person who is required contributor on the online FAFSA form will need an FSA ID, which can be created online.

While the FAFSA is widely accessible, there are populations of students who are classified as Texas residents (under HB1403/SB1528), but who are not U.S citizens that do not meet the FAFSA eligibility criteria. To assist these students, the Texas Higher Education Coordinating Board (THECB) established the Texas Application for State Financial Aid (TASFA). Students who submit this application are not eligible for Federal aid but will be considered for state financial aid eligibility only. Students who meet the residency criteria are encouraged to contact the Student Financial Aid office to have an electronic TASFA application added to their ACES student portal or to submit the paper version.

Applying for Financial Aid at the Alamo Colleges District

Students who apply for financial aid at the Alamo Colleges District are automatically considered for the following programs:

• Federal Pell Grant
• Federal Supplemental Education Opportunity Grant (SEOG)
• Texas Public Education Grant (TPEG)
• Texas Educational Opportunity Grant (TEOG)
• College Work Study

Students may also qualify through a separate application for the following programs:

• Federal Direct Loan Program
• Federal College-Work-Study, State College-Work-Study, or Institutional-Work-Study

The Alamo Colleges District’s Scholarship program is administered separately from the Financial Aid office, but scholarship awards are considered a resource when determining eligibility for other financial aid. Apply for an Alamo Colleges District’s scholarship or specific college’s scholarships online. In addition, information about the Hazlewood Act Exemption can be found at the Veterans Affairs Office at your college.

Applications for aid will be considered complete when the following has taken place at one of the colleges in the Alamo Colleges District:

1. The student has been accepted for admission in a program of study leading to a degree or certificate and is making Satisfactory Academic Progress. First-time college freshmen are assumed to be making Satisfactory Academic Progress.
2. The student has the following on file in Student Financial Aid:

• The FAFSA or TASFA financial aid application. To ensure the FAFSA application is electronically forwarded, the Federal School Code of the college in the Alamo Colleges District that is the student’s home/primary college must appear on the FAFSA. In addition, the name and Social Security Number recorded at the home/primary college must match exactly the name and Social Security Number recorded on the FAFSA.

• If selected for verification, the student must submit the appropriate verification documents requested by the College Financial Aid Office. Please see the section on Verification for more specific information about requirements and procedures.

It is essential that students provide the college with the most current permanent and local address and telephone number to avoid delays and ensure that important documents are received promptly. However, all official Financial Aid Office communications is made to the student’s Alamo Colleges District email address. Students should update their home addresses as often as necessary in ACES or by completing the appropriate forms at the Enrollment Services/Admissions and Records office.

Deadlines for Filing the FAFSA

The U.S. Department of Education publishes the FAFSA processing time frame (deadlines) applicable to processing the FAFSA on the FAFSA and in the online application. A processed FAFSA, however, does not guarantee that an eligible student will receive financial aid. While the Alamo Colleges District’s SFA offices accept financial aid applications virtually all year round, the student’s complete financial aid application and all required documents must be received before the end of the semester to receive consideration for funding. In addition, since funding is limited, grants and scholarships are awarded on a first-come, first-served basis to students who qualify. Therefore, applications should be received by the dates below in order to be considered on-time for the indicated semester:

Completed applications received by the priority date will receive priority consideration of all available funds, subject to each student’s eligibility. Students who submit a completed application (including all required documents) by the Priority Submission Date will have their application processed and an award or denial of aid by the first class day. Applications received or completed after the priority date will be processed according to date of completion, but may not be processed by the payment deadline. Students in this situation should be prepared to make payment arrangements with the Bursar’s Office to ensure their tuition and any balance owed is paid by the due date.

Eligibility Requirements for Student Financial Aid

In general, students are eligible for federal, state, and institutional aid if they meet the following requirements:

• Be enrolled for at least half-time, in six (6) semester credit hours that are part of your degree plan or certificate. (Students enrolled less than half-time students may qualify to receive only the Federal Pell Grant if all eligibility requirements are met.);
• Be a U.S. citizen or eligible non-citizen. Students who meet the criteria for Texas residency under HB1403/SB1528 may qualify for limited state financial aid program funds;
• Have a high school diploma or a General Education Development (GED) certificate;
• Not be in default on any student loan or owe a refund to a federal financial aid program;
• Make Satisfactory Academic Progress. All students must be familiar with the Alamo Colleges District’s Satisfactory Academic Progress policy; 
• Have financial need as determined by the federal need analysis methodology and institutional guidelines; and
• Not have been convicted of any felony or any crime involving a controlled substance.

Calculating Financial Need

The information students report when completing the FAFSA or TASFA goes into a federal formula that calculates their Student Aid Index (SAI). Colleges use the SAI to determine how much financial support a student may need. The SAI determines financial need in the following equation:

   Cost of Attendance
- Student Aid Index
= Financial Need

The financial need calculation helps the SFA Office establish eligibility for grants, scholarships, work study, and loans. The combination of financial aid from these sources is called a financial aid package and it is meant to help meet the student’s financial need.

Additional information about the SAI calculation is available on the U.S. Department of Education webpage.

Verification

Verification is the process by which a student’s financial aid application data is checked for accuracy. Only those students selected for verification by the federal process are required to complete this process. The U.S. Department of Education (ED) requires all colleges to complete this process for all students whom they have selected without exception. Students are notified of this requirement by ED, which is sent to the email address that the student has listed on the FAFSA, or it is mailed to the home address. Selected students will also receive an email on how to begin the verification process from, ProVerifier+, Alamo Colleges District’s software partner that allows verification to be completed entirely online.

The verification process is customized at an individual student application level. Students are therefore asked to submit only the documents requested which the federal processor has identified as being applicable to their situation. The following is a list of the most common items that exist which the federal processor may require the college to verify for a student applicant for whom they have required it to be verified:

• The student’s (and spouse’s, if applicable) Tax Return Transcript from the Internal Revenue Service if the IRS Direct Data Exchange (DDX) was not used. Corrections can be made to request the Tax Retrieval Tool to be used instead of submitting the documents;
• The parent’s (and spouse’s, if applicable) Tax Return Transcript from the Internal Revenue Service if the Tax Retrieval Tool was not used. Corrections can be made to request the Tax Retrieval Tool to be used instead of submitting the documents;
• Verification Worksheet;
• High School Completion;
• Identity Verification and Statement of Educational Purpose;
• Child Support paid
• Supplemental Nutrition Assistance Program (SNAP);
• Documentation that verifies benefits or untaxed income, such as:
  • Child Support Received
  • Untaxed Pensions 
  • Other untaxed income and benefits

Notification of Financial Aid Awards

The Financial Aid Office does not mail award notifications via U.S. mail and does not send them to personal email address including the email provided on the FAFSA. All award notifications are sent to the student.alamo.edu email account, and awards are listed in the ACES account under MyPage.To learn more about where to locate your awards click here.

Most financial aid awards are automatically accepted for the student. Financial Aid will be paid directly to the student bill 10 days prior to the first day of class each semester, should all eligibility requirements be completed, and the student is enrolled. The amount of aid awarded is based on the expectation of full-time enrollment and is automatically adjusted based on actual enrollment through the “official” census date.

Students who have been awarded but do not intend to stay enrolled must officially drop their classes at least eleven (11) days prior to the first day of classes and before the long semester begins to avoid future aid paying their registration bill.

Receiving Financial Aid Funds

All refunds are issued by the Bursar/Business Office including Federal Direct Loan funds. If the student owes a balance after financial aid funds are credited, the balance must be paid by the due date or the student is at risk of being dropped from classes. If the funds awarded exceed the balance, a refund will be issued to the student through BankMobile Disbursements. Visit Alamo Colleges Business Office Refunds for Information on the Refund Options, Refund Schedule, New Cash Management Rules and the BMTX, Inc. Contract.

Satisfactory Academic Progress for Purposes of Financial Aid

Federal Regulations require all students applying for financial assistance to maintain Satisfactory Academic Progress (SAP) in order to receive aid. The progress standards that students are required to meet in order to maintain financial aid eligibility are:

• A minimum 2.0 GPA per semester and overall;
• Successful completion of 66.6% of all coursework attempted; and
• Completion of the academic program of study within ninety-nine (99) hours of attempted coursework (including hours attempted at other colleges). Note: Thirty (30) hours of developmental classes are excluded from the ninety-nine (99) hours calculation.

Compliance with the Satisfactory Academic Progress (SAP) policy must be met in order for a student to retain their financial aid eligibility. Students are advised to check their status through their ACES account. Final Satisfactory Academic Progress rules were published in the October 29, 2010 Federal Register to be effective July 1, 2011. The current regulations clarify, standardize, and strengthen provisions on school evaluations of the qualitative (grades and academic standing) and quantitative (pace of completion) aspects of a student’s progress in a program for Title IV funding purposes.

The information below describes each status in more detail:

Good Standing

Students are considered to be in “Good Standing” with Financial Aid if they meet all three (3) standards of progress outlined above. These students may participate in any financial aid programs provided they meet all other eligibility criteria, subject to availability of funds.

Financial Aid Suspension

Students are “suspended” from financial aid if they do not meet one (1) or more of the Satisfactory Academic Progress (SAP) criteria listed above. Students who fail to meet SAP are sent a financial aid suspension notice via email and are informed that they may continue to enroll but at their own expense.

Appeal Process

Students may appeal their Financial Aid Suspension status. The appeal process is initiated with the Academic Advisor at the student’s primary institution. After meeting with the Academic Advisor, the student can access and complete the Appeal for Financial Aid Reinstatement via the ACES portal. The student will complete this online form by detailing the reason(s) for not meeting Satisfactory Academic Progress requirements, how they plan to make academic progress. Additional documentation substantiating the reason(s) for not meeting SAP should be submitted to the Student Financial Aid office at the student’s primary institution within seven (7) days of submitting the online appeal via the ACES portal. Students should be prepared to pay for tuition and fees until the appeal has been reviewed.

If the appeal is approved, the student is placed on “Probation” and eligibility is reinstated subject to continued compliance with SAP requirements. Progress is reviewed at the end of the semester to verify that the student is meeting the standards and following the degree plan. Students who meet SAP for the semester approved, but who are not yet in full compliance with the SAP policy will have their status updated to “Academic Plan” and will continue to qualify for financial aid. Failure to meet SAP each semester while on Probation or Academic Plan will have their financial aid resuspended. Students who have their financial aid eligibility resuspended are allowed to submit a new appeal for a future semester following the same procedures. There is no longer a one (1) appeal limitation. The appeal approval is applicable only at the college where it was originally submitted and approved, and students cannot submit an appeal or apply for aid at any of the other colleges in the Alamo Colleges District.

If the appeal is denied, no federal or state financial aid (including student loans) may be awarded. Students may continue to enroll but at their own expense. Students can re-appeal during the next scheduled appeal period should they successfully meet the SAP requirements for one (1) semester.

Appeal Deadlines

The detailed SAP policy, appeal instructions, and appeal submissions date are found on the SFA webpage.

Aid Eligibility for Continuing Education Courses

Tuition assistance is available for eligible individuals who wish to enroll in Continuing Education courses. The Texas Public Education Grant for Continuing Education (TPEG-CE) may be used for tuition-only charges of non-credit courses. There is no reimbursement for pre-paid tuition bills. Financial aid may be awarded in an amount of 50-100% of the course tuition, but funded amounts will be determined by each Student Financial Aid Office. The standard Free Application for Federal Student Aid (FAFSA) and verification process (if selected) must be completed. Once the FAFSA has been processed, the TPEG-CE application may then be submitted. Applications are available in the college Student Financial Aid offices and may be added electronically to students’ ACES accounts. Awards will be based on financial need as determined by the FAFSA process and available state funding.

In addition, limited financial assistance can be obtained by eligible students who are pursuing a teacher certification. Interested students should check with the Teacher Certification Office at their college for more details on the availability of assistance and specific application information

Spring and Summer Transfer Students

Students transferring from another institution during the Spring or Summer semesters must make sure that their prior institution reports to the National Student Loan Database System (NSLDS) the cancellation of any undisbursed Federal Pell Grant and Direct Student Loan awards for the applicable semester. Failure to do so will prevent any of the colleges in the Alamo Colleges District from awarding any remaining funds for which a student is still eligible from those student aid programs. Students who plan to enroll at one of the colleges in the Alamo Colleges District only during the Summer and then return to their home institution the following Fall semester, are considered transient students and are therefore not eligible for financial aid at the Alamo Colleges District.

Concurrent Enrollment and Financial Aid Eligibility

Students may receive aid at only one Alamo college per period of enrollment. Students who are enrolled at two (2) or more of the colleges in the Alamo Colleges District for the same semester may receive financial aid only at the college they have declared as their home college. At no time will students be allowed to count enrollment at a non-Alamo Colleges District college or university towards their eligibility for financial aid at the Alamo Colleges District.

Enrollment Requirements

Eligibility for financial aid is based on the number of credit hours in which students are enrolled and whether these credits count towards the student’s program of study. Students may learn more about these enrollment requirements and how they affect the amount of financial aid that will be paid out to them by reviewing the Alamo Colleges District’s Student Financial Aid Enrollment webpage. 

Consortium Agreements and Financial Aid Eligibility

The colleges in the Alamo Colleges District will sometimes enter into consortium agreements with institutions willing to consider a student’s concurrent enrollment at a college in the Alamo Colleges District as part of the student’s semester course load at their college or university for the purpose of awarding aid through their financial aid office. That institution becomes the student’s home institution for financial aid purposes, and it initiates such agreements on behalf of the student. These students are not eligible for aid from any of the colleges in the Alamo Colleges District and must make arrangements to pay all Alamo Colleges District registration expenses prior to the billing due date. All consortium agreements must be approved by the appropriate Alamo Colleges District authorizing official in the Student Financial Aid office.

Withdrawing from College and Returning Financial Aid Funds

Partial Withdrawals:

It is important that students know the Census Dates for each session they are enrolled in for a semester. The Census Date may be found on the Alamo Colleges Academic Calendars webpage.  Although students are awarded based on the expectation of full-time enrollment (12+ credit hours), financial aid will be recalculated and paid on the basis of the number of hours in which they are still enrolled by the Census Day. For example, students who are initially awarded as full-time will have their financial aid award lowered to half-time if they have dropped to 6 hours by the Census Day. For some aid programs this means that the student has to pay back half of the aid received. A drop in enrollment (but not 100% withdrawal) after the Census Day will not impact the amount of aid paid to the student, except when their awards no longer fit within the students lowered Cost of Attendance.

Complete Withdrawal

When students withdraw from all courses (100%), federal regulations require all schools to prorate the amount of financial aid the student has earned based on the percentage of the semester that they have attended classes. The regulations require the calculation be performed for every student who withdraws from all classes, and that a re-payment percentage be calculated up until 60% of the semester has elapsed. Since in most cases students’ financial aid is already paid under the assumption that they will stay in school for the entire semester, withdrawing before the 60% mark means the student will have to pay back a portion of their financial aid that was not earned. Failure to repay these funds results in Financial Aid Holds that prevent future registration at any college or university.

Return of Title IV Fund Order:

• Federal Unsubsidized Loans/Direct Loans
• Federal Subsidized Loans/Direct Loans
• Federal PLUS Loans/Direct PLUS Loans
• Federal Pell Grant
• Federal Supplemental Opportunity Grant (SEOG)
• Federal Iraqi & Afghanistan Service Grant

If a student withdraws before financial aid is disbursed, awarded financial aid will be prorated according to federal regulations.

State, local, and institutional grants, loans, and scholarships are also subject to evaluation to assess the impact of changes in enrollment status.