Types of Financial Aid

Federal Programs

Federal Pell Grant

Federal Pell Grants are awarded to students on the basis of financial need and do not have to be repaid. These grants are considered the foundation of federal financial aid, to which aid from other federal and non-federal sources might be added. The amount a student receives is determined by the federal processors.

Generally, Pell Grants are only awarded to undergraduate students who have not yet earned a bachelor’s or graduate degree. In some cases, however, a student enrolled in a post-baccalaureate teacher certification program might receive a Pell Grant.

Federal Pell Grants are awarded to students who do not have a four-year degree and are enrolled in a diploma or degree program of study. Health Care Assistant and Health Care Science are the only two (2) certificate programs eligible for Federal Pell Grant funding. Full-time enrollment for purposes of Pell is based on 12 semester hours for a degree or diploma program.

Students must complete the Free Application for Federal Student Aid (FAFSA) to determine eligibility. It takes approximately six to eight weeks to receive the results of this application. Students should be prepared to pay their first semester fees if sufficient time is not allowed for the necessary processing.

All Pell awards will expire during each summer semester. Students must reapply for Pell prior to end of summer semester for uninterrupted Pell aid for the following award year.

Learning Support and Special Admit students are not eligible for federal financial aid

Students who withdraw from the college prior to completing 60% of the semester will have their Pell award reduced.

How do I qualify?

The U.S. Department of Education uses a standard formula to evaluate the financial information you provide when you apply through fafsa.ed.gov. The formula produces an Expected Family Contribution (EFC) number that is based on your family’s financial situation — your Student Aid Report (SAR) contains this number. This number will determine if you’re eligible for a Pell Grant and how much you can receive.

Beginning with the 2011-12 award year, you may receive only one Pell Grant award during a single award year. You must be enrolled full-time or part-time in an eligible program that leads to an associate or bachelor’s degree or certificate. A student may recieve funds for less than half time enrollment, but they will recieve less funds.

How much money can I get?

Pell Grant amounts depend on program funding and can change every year. The amount of other student aid you might qualify for does not affect your Pell Grant amount, and you may not receive Pell Grant funds from more than one college at a time.

Amounts can change yearly. The maximum Federal Pell Grant award is $6,345.00 for the 2020-21 award year (July 1, 2020, to June 30, 2021).

Factors that will determine the amount rewarded are as follows:

  • Student's Expected Family Contribution (EFC).
  • The cost of attendance as determined by school's specific program.
  • Status as a full-time or part-time student.
  • Plans to attend school for a full academic year or less.

See the tables for 2019-20 award year used to determine Pell Grant award amounts.

In certain situations, an eligible student can receive up to 150 percent of his or her scheduled Pell Grant award for an award year. See the Federal Pell Grants and Scholarships page for more information.

Students with a parent or guardian who died as a result of military service in Iraq or Afghanistan after September 11, 2001 will receive the full Pell Grant amount. These students must be under 24 years old and at least part-time students at the time of the death.

The application makes special allowance for students (or parents) who have recently lost their jobs. If they indicate this on the form, an award may be given to them even if they would not have qualified based on their 2018 financial information.

What is the Pell Lifetime Eligibility Limit (LEU)?

The amount of Federal Pell Grant funds you may receive over your lifetime is limited by federal law to be the equivalent of six years of Pell Grant funding. Since the amount of a scheduled Pell Grant award you can receive each award year is equal to 100%, the six-year equivalent is 600%.

The maximum amount of Federal Pell Grant funding you can receive is calculated for an award year. An award year is a period from July 1 of one calendar year to June 30 of the next calendar year.

Schedule awards are determined using the folling criteria:
  • Partially determined by using your Expected Family Contribution (EFC) that is calculated from the information you (and your family) provided when you filed your Free Application for Federal Student Aid (FAFSA®) form;
  • Is the maximum amount you would be able to receive for the award year if you were enrolled full-time for the full school year; and
  • Represents 100% of your Pell Grant eligibility for that award year.

For more information on how the Pell Lifetime Eligibility Limit is calculated, see the Federal Pell Grant Lifetime Eligibility Limit page.

If I am eligible, how will I get the Pell Grant money?

It depends on what type of aid you’ll be receiving: grants, student loans, work-study, or parent loans.

  • Grants and Student Loans: Typically, the college applies your grant or loan money toward your tuition, fees, and (if you live on campus) room and board. Any money left over is paid to you for other expenses. If your loan is disbursed but then you realize that you don’t need the money after all, you may cancel your loan within 120 days of the disbursement, and no interest or fees will be charged.
  • Work-Study: Your school must pay you directly unless you request that the school, send your payments directly to your bank account or use the money to pay for education-related charges (such as tuition, fees, and room and board) on your student account.

For more information on how you will recieve your Federal Pell funds and other financial aid, visit studentaid.ed.gov.

Federal Supplemental Educational Opportunity Grant (FSEOG)

The Federal Supplemental Educational Opportunity Grant (FSEOG) program is for undergraduates with exceptional financial need. Pell Grant recipients with the lowest expected family contributions (EFCs) will be considered first for a FSEOG. Students apply for FSEOG through the Free Application for Federal Student Aid (FAFSA) at fafsa.ed.gov. Just like Pell Grants, the FSEOG does not have to be repaid. Not all students will be awarded this fund as FSEOG funds are limited.

For more information on Federal Student Financial Assistance Programs, contact the Federal Student Aid Information Center:
Phone: 1-800-4-FED-AID (1-800-433-3243)
TTY: 1-800-730-8913

Federal Work-Study

Federal Work-Study provides part-time jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses. The program encourages community service work and work related to the student’s course of study.

Other features available through Federal Work-Study:

  • Provides part-time employment while student is enrolled in school.
  • Available to undergraduate, graduate, and professional students with financial need.
  • Available to full-time or part-time students.

Federal Direct Student Loans

Students are encouraged to borrow responsibly. Check here or more information on Default prevention. SCTC's current three year default rate is 8.3%. The U.S. Department of Education’s federal student loan program is the William D. Ford Federal Direct Loan (Direct Loan) Program. Under this program, the U.S. Department of Education is your lender. There are four types of Direct Loans available:

  • Direct Subsidized Loans are loans made to eligible undergraduate students who demonstrate financial need to help cover the costs of higher education at a college or career school.
  • Direct Unsubsidized Loans are loans made to eligible undergraduate, graduate, and professional students, but eligibility is not based on financial need. Direct Consolidation Loans allow you to combine all of your eligible federal student loans into a single loan with a single loan servicer.

For more information, visit studentaid.ed.gov/sa/types/loans.

Veteran's Administration Benefits

Veteran Education Benefits are provided through the Montgomery GI Bill®, Survivors and Dependents Benefits and Veterans’ Rehabilitation Benefits. Most of Southern Crescent Technical College’s programs are approved for Veteran Educational Benefits with the certifying official available in the Student Affairs Department for veterans’ needs.

Veterans and other eligible students receiving Veterans Administrative (VA) educational entitlements are required to comply with the admissions, academic, and attendance regulations that have been established for all students at SCTC. In addition, those receiving VA benefits must:

  1. Seek credit for all previous training or experience that could be applicable to their chosen program of study. VA regulation 14253 requires all previous training be evaluated for possible credit. A transcript or other documentation of training must be submitted with the individual’s eligibility papers. The school will give written notice granting or denying such credit.
  2. Once admitted to SCTC the veteran must comply with the college’s attendance regulations and report any schedule changes that could affect their status with the VA. Such changes include notifying the certifying official of the following:
  • Dropping or adding courses
  • Transferring from full-to half-time status or vice versa
  • Changing programs of study
  • Withdrawing from school without filing the proper withdrawal forms in Admissions.

Applications and Forms are readily available in the Student Affairs Office. The Certifying Official in Student Affairs will provide counseling and help filling out any VA forms. Students receiving VA benefits must adhere strictly to their program of study. Program change forms 22-1995 or 22-5495 and enrollment change of status forms 22-1999b must be filed promptly to avoid personal liability resulting from over-payment of VA benefits.

VA benefits are based on the number of credit hours taken per semester, 12 hours is full time:

Apply online using VONAPP (Veterans ON-line Application Website)

For more information regarding VA Education Benefits view the website www.gibill.va.gov or contact the VA hotline at 1-888-442-4551.

Have a question? We can help. Contact Gail Daniel at 770-229-3095 (Griffin Campus) or Joanna Gibson at 706-646-6381 (Flint River Campus). You can also send an email to the VA Reporting Officials at va@sctech.edu.

State Funded Programs

The HOPE Grant is Georgia state tuition assistance program funded by the Lottery for Education to assist eligible students enrolled in a certificate or diploma program. Applicants for HOPE Grants for Diploma and Certificate programs and Associates Degree HOPE Scholarships must meet Georgia's HOPE Program requirements. Students must apply HOPE funds online at fafsa.ed.gov. Students with a baccalaureate degree or higher are not eligible for HOPE funding, nor are book and allowance fees awarded from HOPE funding.

HOPE Scholarship Eligibility Requirements

To be eligible for the HOPE Scholarship, a student must have a cumulative grade point average (GPA) of 3.0 at the end of each spring semester and at the term check points he/she attempts 30, 60 or 90 semester hours. Once your eligibility is evaluated, you will be notified by mail of the results.

  • Full-time enrollment is not required.
  • The student must be a Georgia resident. The citizenship requirements for the HOPE Scholarship will continue to be set at 12 consecutive months immediately preceding the first day of classes of the school term for which HOPE Scholarship payment is sought if student graduated from a Georgia high school (twenty-four (24) consecutive months if they did not graduate from a Georgia high school). Students are eligible to receive the HOPE Scholarship up to seven years from the date of the student’s high school graduation, home study completion, or successful GED test, if the student meets all other requirements.
  • The eligibility expiration date will be June 30th of the seventh academic year following the student’s date of high school graduation, home study completion, or successful GED test.
  • The FAFSA must be completed and processed in order to apply for the HOPE Scholarship. Students may apply for the FAFSA at fafsa.ed.gov.
  • Once a student has completed 30 degree-level hours, he or she can request a HOPE Scholarship evaluation from the Registrar’s Office. The student must have a 3.0 GPA or higher.
  • Students may renew the HOPE Scholarship for sophomore, junior, and senior years by maintaining a 3.0 GPA, reapplying by each deadline, and maintaining satisfactory academic progress.
  • Beginning Fall Term 2011, Learning Support coursework will be excluded from attempted hours. However, all Learning Support coursework previously counted in attempted hours will remain in the calculation. Any previous gains or losses prior to Fall Term 2011 will not apply.
  • Students can lose and regain eligibility once beginning Fall Term 2011. If a student's eligibility has been lost and regained twice prior to Fall Term 2011 they may continue to receive HOPE Scholarship funds. However, if the student loses the HOPE Scholarship after Fall Term 2011, they will not regain it.
  • Students who received HOPE Scholarship prior to Summer Term 2011 are eligible to receive HOPE Scholarship until June 30, 2015, regardless of high school graduation date. First time HOPE Scholarship recipients for Summer Term 2011 or later are bound by the 7-year rule.
  • For students who have not received a HOPE Scholarship award prior to Summer Term 2011, an expiration date will be set for each student as June 30th of the 7th academic year following his or her high school graduation, or the graduation date of the student’s last high school class if the student withdrew from high school prior to graduation date, GED test date or Home Study program completion date, whichever occurs first.
  • HOPE Scholarship will pay for 127 semester hours or 190 quarter hours. The term that a student meets the cap, Scholarship will pay only for hours up to the cap. The HOPE Scholarship will only pay for three (3) credit hours during Spring Semester.

For more information, visit HOPE and Zell Miller Grants and Scholarships.

HOPE Grant Eligibility Requirements

All college credit hours attempted and their corresponding grades will be included in the calculation of the HOPE cumulative grade point average, even if those hours are not accepted as transfer credit by Southern Crescent Technical College.

  • HOPE Grant has a lifetime cap of 63 semester hours which will pay towards a Certificate or Diploma program. If the cap is met in the middle of a term, the Grant will only pay for the hours leading up to 63 hours.
  • All courses including learning support count towards the 63 semester hour cap.
  • To be eligible for the HOPE Grant, a student must:
    • Declare Georgia as their legal domicile residence for at least twelve (12) consecutive months immediately prior to the first day of class of the school term for which HOPE Grant payment is sought if they graduated from a Georgia high school or twenty-four (24) consecutive months if they did not graduate from a Georgia high school).
    • Be a U.S. Citizen or a permanent resident alien, and not have any student loan defaults or recent controlled substance convictions.
    • Male students born as of 1/1/1960 or thereafter must have registered with the Selective Service between the ages of 18 and 25 and must provide their Selective Service Number.
    • Student must have 2.0 at 30th semester hour to remain enrolled in the program. Students who lose eligibility at 30th semester hour can regain eligibility once at 60th semester hour with a 2.0 GPA, and HOPE will pay for remaining 3 hours.
  • Learning Support coursework and Dual Enrollment Coursework are excluded from GPA calculation. GPA calculations will begin with Fall Term. Learning Support coursework tuition will continue to be paid for by the HOPE Grant.

For more information, visit HOPE and Zell Miller Grants and Scholarships.

Zell Miller Scholarship Program

The Zell Miller Scholarship Program is a merit-based scholarship program with specific academic and grade point average eligibility requirements. The purpose of the Zell Miller Scholarship Program is to encourage the academic achievement of Georgia's high school students and Georgians seeking Degrees from postsecondary institutions located in Georgia.

Zell Miller Grant

The Zell Miller Grant Program provides grant assistance to residents of Georgia pursuing Certificates or Diplomas at Georgia’s public eligible post-secondary institutions.

Georgia HOPE GED Voucher

Georgia's HOPE GED Grant is available to students who earned a General Education Development (GED/high school equivalency) diploma awarded by the Technical College System of Georgia (TCSG).

The grant provides a one-time $500 HOPE award that can be used towards tuition, books or other educational costs at an eligible postsecondary institution. Full-time enrollment is not required. Students must use their HOPE GED Grant award within 24 months of the date of their GED diploma.

Dual Enrollment (formerly Move On When Ready)

The Dual Enrollment Program provides for participation in Dual Credit Enrollment for Eligible High School and Home Study students.

REACH Georgia

REACH Georgia is the State of Georgia’s first needs-based mentorship and college scholarship program, launched by Governor Nathan Deal as a key component of the state’s Complete College Georgia Initiative.

Additional Programs

Foundation Scholarships

The Southern Crescent Technical College Foundation, Inc. offers scholarship opportunities to students. Scholarship funds are NOT paid directly to the student. Please read all application materials carefully - some restrictions apply. Foundation scholarships are reviewed by a panel of faculty and staff and awarded to a currently enrolled part-time or full-time SCTC student.

  • Student must be in good academic standing with a cumulative GPA of 2.5 or higher in a certificate, diploma or degree program.
  • All applications require uploading and attaching a current Federal Tax Return with all social security and bank numbers redacted plus a 250-word essay explaining how receiving the scholarship will help you attain your educational plans and career goals.
  • Some scholarships require an attached list of course-required textbook and/or tool (supply list) and cost estimate. Textbook and Toolbox Scholarships are for purchases at the SCTC Bookstore. If course-required items are not in stock, please contact a bookstore coordinator for assistance.
  • Please provide an explanation of your financial need for the scholarship when you fill out the application. If awarded a scholarship, a photograph with a note of gratitude is required from the recipient.

Note: To allow time for processing of applications and allocation of awards, scholarships must be applied for several months before the start of the term.

Applications for Foundation Scholarships will be accepted online as follows:

  • Spring Semester Scholarships:
    • Scholarship Application Dates:  September 1 – September 30
  • Summer Semester Scholarships:
    • Scholarship Application Dates:  January 1 – January 31
  • Fall Semester Scholarships:
    • Scholarship Application Dates:  April 1 – April 30

Results will be announced to applicants in a personal e-mail.

For additional information on foundation scholarships, contact us:
Phone: 770-229-3466
Fax: 770-229-3236
Email: scholarships@sctech.edu

Other Scholarships

Note: Southern Crescent Technical College and the SCTC Foundation, Inc. does not endorse, promote or bear responsibility for the following opportunities available through third-party scholarship providers.

Workforce Innovation Opportunity Act (WIOA)

WIOA assists unemployed or underemployed individuals with re-entry into the workforce. WIOA funding is available for eligible students to assist with the costs of:

  • Tuition
  • Fees
  • Books
  • Uniforms
  • Medical related costs
  • Required equipment/supplies
  • Supportive Services for transportation & childcare

To be considered for eligibility, students must:

  • Must be currently enrolled at SCTC and be accepted into their specific program.
  • Not be a provisional student (WIOA does not cover learning support classes).
  • Be in good standing and have at least a 2.0 GPA.
For additional information, check out our WIOA information on our financial aid page
Special Populations

Special Populations Services are available to support and serve students who are from economically disadvantaged families, including foster children, preparing for non-traditional fields, limited English proficient, single parents, including single pregnant women, displaced homemakers, or disabled individual. For more information, contact us:

  • Toni Doaty
    Assistant Director Special Services
    Griffin Campus
  • Mary Jackson
    Special Services Coordinator
    Flint River Campus

Nelnet Student Payment Plan

SCTC has partnered with Nelnet, a leading educational planning and financing company that provides billing and customer services for students.

The Nelnet Automatic Payment Plan is not a loan program. There are no interest or finance charges, and there is no credit check. For a non-refundable enrollment fee (per semester), Nelnet will pay your tuition and fees and provide you with a monthly payment plan divided into several payments.

Payment Methods

  • Automatic bank payment (ACH)
  • Credit Card/Debit Card

Payments are processed on the 20th of each month.

Cost to Participate

  • $30, $35, or $40 enrollment fee per semester
  • $30 returned payment fee if a payment is returned

Simple Steps to Enroll

  • Log in to Banner
  • Click “Account Summary” under student services and financial aid
  • Click “Pay Online”
  • Select the correct term
  • Click “Pay by Payment Plan with Nelnet”

Target Dates to Enroll By:

Fall 2022 (Payment plan available on May 16, 2022)
Last day to enroll online Required down payment Number of Payments Months of payments Payment Dates
July 16 None 5 July-Nov 20th
Aug 18 None 4 Aug-Nov 20th
Sept 9 25% 3 Sept-Nov 20th
Oct 8 50% 2 Oct & Nov 20th
Oct 22 50% 1 November only 20th

NOTE: All down payments are processed immediately!

Payment Plan Availability:

Availability of the payment plan is determined by Southern Crescent Technical College. Please be aware the College may elect not to have the payment plan available during specific times and dates during registration.

Balance Adjustments:

Please do not assume your balance will automatically be adjusted if financial aid is received or a class is dropped or added. You should review your agreement balance online.

Authorized Payer:

Students: If someone is paying on your behalf, you MUST first set them up as an Authorized Payer.

Authorized Payers: If you are paying on behalf of the student, the student must access or set up their account first and then add you as an Authorized Payer.