Dec 21

Tuition Assistance Program (TAP)

The New York State noticed the need of the residents to have assistance regarding their postsecondary education. However, the existing federal financial aids can no longer cover for other students applying. This is why an assistance program such as the Tuition Assistance Program (TAP) is made available.

TAP is a program of the Higher Education Services Corporation (HECS) that replaced the previous financial aid program, which is the TRR (Tuition Remission and Reimbursement Program). TAP is a grant sponsored by the New York State for those New York residents who attend in the selected NY institutions. You can apply for a TAP grant by submitting an application via FAFSA or CUNY. TAP financial aid is willingly granted by the state, so this should not be paid back to the state.

TAP Grant Eligibility

Tap grant is to be given to those students who need financial aid provided that a person:

  • Is a citizen of United States or a noncitizen but is eligible
  • A legal resident of the State of New York
  • Studies at NYS approved postsecondary institutions
  • Graduated HS in the US and passed the test for “ability to benefit”.
  • Enrolled full-time and currently taking at least 12 credits
  • Must have a good academic standing and is matriculated
  • Charged at least $200/year
  • Not in default of federal student loans or federal financial aids
  • Meet income limitations

TAP grant deadline is every June 30 of every academic school year.

TAP Application Process

TAP application can be done either by the use of paper or online application. Whatever the method of submission you will choose, the same application process is applied.

Before applying for TAP, you have to submit first a FAFSA form since this will be the basis for HESC whether you are eligible for TAP or not. TAP application is mostly done online because it is a more convenient way to apply. You can visit the website of HESC to know more about how to apply for TAP online.

To check the status of your application, you also need to visit HESC.org. You can do this anytime you want. If you have provided an email address, HESC will just notify you when you passed. HESC might also send you alert emails to ask some questions regarding your application. If you have not provided any emails, you will most likely receive a postcard sent to you by HESC. In case your application is denied, you will also be notified by a denial notification letter.

TAP grant is only valid for a specific term, so if you are previously a TAP grant receiver, you just have to renew your application. In the renewal, you need to update all necessary information from your FAFSA and TAP. If you opt not to change any information, the same process is also needed.

HESC, as a financial aid agency in New York, wanted to help those college students who want to finish a degree, but could hardly do so because of financial incapability. TAP is just one of the 18 financial aid programs prepared by HESC that is considered as a very successful and helpful program for most students.

Dec 21

FAFSA: Neither FASA nor FAFASA

Not all students can afford a college education and that is why, they are searching for various financial aids that could help them continue their education. If you are searching for a financial aid, FASA is a good answer to your problem. Wait, is it FASA or FAFASA? You probably mean FAFSA (Free Application for Federal Student Aid).

What is FAFSA? FAFSA refers to a form that can be prepared annually by the students (current, incoming, or prospected) in the United States to determine if they qualify for a financial aid. If you want to receive a financial aid through FAFSA, you shall submit the FAFSA form as early as possible because the process is first-come, first-serve. The program will just end until the program runs out of money for a specific school year.

Types of Financial Aid

In applying for a federal financial aid through the FAFSA, you can possibly be granted one of the following financial aids:

  • Pell Grant

This grants a student of up to $5645 (for 2013-2014). This is granted to the students who ranked lower in EFC’s based on the FAFSA estimator or FAFSA calculator.

  • Stafford Loan

This requires all federal direct subsidized loans to apply a fix interest rate of 3.86%. The interest is to be paid by the government.

  • Federal Perkins Loan

This program is just like Stafford Loan, but this is lent directly by schools and the interest rate is fixed at 5%.

  • Federal Work-Study Program

This requires a student to do part-time work. Half of his tuition will then be paid by the government and the other half is paid by the school.

Filing Options

The annual FAFSA form shall be submitted immediately. Thus, there are three options available on how you can file your FAFSA form:

You have to visit the FAFSA website and fill out the form online. You also need to provide a FAFSA pin to your application. This is the most used method because of the convenience in filing.

  • You can file it by paper.

You need to get the FAFSA form in any authorized FAFSA provider near you.

  • You can file by phone.

You need to call the office of the FAFSA.

FAFSA results will be notified to you the earliest time possible if you are eligible to receive any of the grants currently available. Most likely, if you have provided an email address in your application, you will receive a student aid report stating the results of your application.

The best way to know more about FAFSA is to search it on the internet. FAFSA on the web is very helpful in minimizing the hassle in knowing more about FAFSA and reading some FAFSA FAQ.

FAFSA is a legal financial aid program held by the federal government, which is legalized by the Higher Education Opportunity Act of 2008. However, because of the limited resources, students are also encouraged to look for other programs like TAP financial aid, for them not to solely depend on FAFSA’s availability.

Dec 21

Free Application for Federal Student Aid (FAFSA)

Are you a student of the United States of America who is having financial troubles? Do you need help and get a loan or receive aid for your studies? There are many scholarships, funding or financial aids that you can avail as long as you meet their qualifications and requirements. FAFSA is one of them.

What is FAFSA?

FAFSA (Free Application for Federal Student Aid) is the biggest provider of federal financial aid for students for the citizens of the USA. FAFSA is responsible in the management of providing programs for financial assistance that is authorized by the Title IV of the Higher Education Act of 1965 to students. They give out loans, work-study funds, and grants to students who are currently in career school or college.

What is the FAFSA Forecaster?

A lot of students find it frustrating that they have no idea how much federal financial aid they are going to expect. This is the reason why the Department of Education has made the FAFSA Forecaster, an estimator for financial aid. FAFSA Forecaster is a tool that enables students to get an estimation of their FAFSA EFC (Expected Family Contribution).

The FAFSA Forecaster helps in the calculation of federal aid that a person is qualified of getting, based on a few factors like income, age, school year, and expected attendance cost. After putting down all the information that are necessary, the student can get a view of the estimated amount that he or she is entitled of and is broken down by categories- this includes Stafford loans, work study and federal grants.

When to Apply for FAFSA / When is FAFSA due?

The application of FAFSA usually begins around the vacation break before a semester starts until the end of the second term. For the school year of 2013-2014, the FAFSA due date is on June 30, 2014.

There are three ways for you to apply for FAFSA:

  • FAFSA on the web: Register on the FAFSA website ( www.fafsa.ed.gov/options.htm)
  • Completing the FAFSA pdf file (you must mail this file to be processed)
  • Call FAFSA at numbers 319-337-5665 or 1-800-4-FED-AID and request for a paper FAFSA. If you have troubles with your hearing, you can call their TTY line, which is at 1-800-730-8913.

What is the FAFSA EFC?

The FAFSA EFC is used to measure the strength of your family’s finances. The formula that is applied to calculate this is the one that was established by the law. Some things that are taken into consideration in the formula are your family’s assets, untaxed and taxed income, and benefits like Social Security and unemployment. Your family size and the number of dependents who are going to be in college in that year are also included.

As a citizen of the United States, you are entitled to many federal financial grants to help you with what is considered as a key for success – education. There are many ways for you to learn more about FAFSA. You can go to their office, call their hotline number, or go to their website for further information.

Dec 07

One of the things that make the taxpayers proud of their government is the fact that they offer a lot of programs to help the other citizens in need, especially to things that matter like education and health. The BOG Fee Waiver is one of those programs that California has to help eligible students with their financial needs.

What are BOG Fee Waiver and Pell Grant?

The BOG Fee Waiver is a form of California Financial Aid for students (most likely enrolled in community colleges) who need financial assistance with their studies. The BOG Fee Waiver will waive the fees for enrollment for one school year or the summer term. The Pell Grant on the other hand, is a financial assistance for undergraduate students who doesn’t have any professional or bachelor’s degree yet. It is like a loan but you don’t have to repay it. You can reapply for the BOG Fee Waiver as much as you like but you cannot get another Pell Grant if you’ve already received it for a maximum of twelve semesters.

How can you qualify for the BOG Enrollment Fee Waiver?

The BOG Fee Waiver is a financial assistance for the poor so there are some few requirements to check if you eligible for this financial grant. Here are some of them:

  • You must be a citizen of the State of California for at least one year and one day.
  • You have received any of the following:
    • Aid to Families With Dependent Children (AFDC)
    • Temporary Assistance to Needy Families (TANF)
    • Supplemental Security Income (SSI/SSP)
    • General Relief

You must provide some documents as proof like verification from the agency, a copy of CA-7 with the last month or current date

  • You have a certification that you are eligible for the fee waiver as a dependent from the National Guard Adjutant or California Department of Veterans Affairs.
  • You are a child of a recipient or the recipient of the Congressional Medal of Honor
  • You are a child of a victim or one of the victims of the terrorist attacks on September 11, 2011.
  • You are a dependent of a fire suppression or law enforcement personnel who died in the line of duty.
  • You are qualified for the FSFSA (Free Application for Federal Student Aid)

How can you apply for the BOG Fee Waiver?

There are many ways for you to apply for the BOG Fee Waiver.

  • You can get a BOG Fee Waiver application in your respective colleges
  • You can fill up the BOG Fee Waiver application form online. The data and information you’ve inputted will automatically be sent. This way your application would be much faster and easier.
  • You can download and print the BOG Fee Waiver pdf file. You can either fill in your details in the pdf file or on the hard copy.

Go ahead and make use of this program if you qualify for the BOG Fee Waiver. Education is the best and safest investment you could give yourself in order to get a brighter future ahead of you and your family.

The BOGFW Application

You will want to download the PDF BOGFW application. You can also fill out the AB 540 Students Special Board of Governors Fee Waiver Application and then print the form. The financial aid office of your college can help you fill this out if you need help so ask if you need assistance.

You wan to submit the form to CCC Financial Aid Office of the college that you plan to attend. You want to ask the staff if you have to provide proof or give documents to show you are eligible as this can speed up the entire process for you. During the process you’ll probably be asked to provide proof of income so have a recent Tax Return (or your parents) ready. The college will review your application and then let you know if you qualify for the fee waiver.

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