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Prospective Students - Office of Financial Aid

Eligibility

Financial aid is available to eligible students to help them meet expenses while attending college.  Financing higher education requires long-range planning, careful budgeting and, usually, sacrifice by both the student and family.  Funds from Financial Aid programs are supplemental to maximum financial efforts by the family.  For each academic year the Financial Aid Office provides updated financial aid information to assist students in planning their financial needs while attending North Country Community College.

Determining Need

In order to be eligible for any Title IV financial aid, a student must:

1. Be a U.S. citizen or permanent resident.
2. Be accepted into a program of study through the Enrollment Management Office leading to a degree or certificate.
3. Be a high school graduate or have earned a recognized general equivalency diploma (G.E.D.) or demonstrate ability to benefit by passing an independently administered examination prior to enrollment.
4. Be in good academic standing and maintain satisfactory academic progress.
5. Not owe a refund or repayment of any previously received Title IV financial aid funds.
6. Not be in default on previously received student loans.

Residence Requirements

Essex and Franklin County residents must have been a resident of the State of New York for one year, and of the County of Essex or Franklin for six months immediately prior to registration.

New York State residents must have been a resident of the State of New York for one year and of a county other than Essex or Franklin for six months immediately prior to registration who can present a Certificate of Residence from that county.

Non-resident students are any students that do not fulfill Essex and Franklin County and/or New York State residency requirements as defined in the two statements above.  Non-resident students are required to pay non-resident tuition rates.  To qualify for the resident tuition rate, a student is required by law to present once each academic year, on or before registration, a Certificate of Residence indicating that he or she has been a legal resident of the State of New York for one year and of the county in which he or she resides for six months.

Verification Forms

     Dependent Verification 2007-2008

     Independent Verification 2007-2008

     Dependent Verification 2008-2009

     Independent Verification 2008-2009

Additional Forms

     Consortium Agreement Form

     Special Circumstances Form

     Living Expense Worksheet

     Loan Information Brochure

Stafford / Student Loans

As a Student borrower, you may select any Federally Authorized student loan lender to service your loan needs.  North Country does and will process your loan request from any authorized lender in the Federal Student Loan Program.  Students should note that North Country has selected the following lenders as being preferred based on our past experience with them in servicing loans for our students.  You may select any authorized lender based on your own criteria.

Edmerica

Lender Code: 831453

Phone: 800.337.1009

Fax: 877.533.7587

www.edamerica.net

Bank of America

Lender code 830486

Phone: 1-800-344-8382

Fax: 617-755-7403

www.bankofamerica.com/studentbanking/

North Country uses New York State HESC and America Student Assistants as their guarantor agencies based on past experience with them in processing loans for our students.  You may select any authorized guarantor agency based on your own criteria.

Loan Comparison Chart

Plus / Parent Loans (Plus Loan Form)

As a Parent borrower, you may select any Federally Authorized student loan lender to service your loan needs.  North Country does and will process your loan request from any authorized lender in the Federal Student Loan Program.  Parents should note that North Country has selected the following lenders as being preferred based on our past experience with them in servicing loans for our students.  You may select any authorized lender based on your own criteria.

Edmerica

Lender Code: 831453

Phone: 800.337.1009

Fax: 877.533.7587

www.edamerica.net

Bank of America

Lender Code 824421

Phone: 1-800-344-8382

Fax: 617-755-7403

www.bankofamerica.com/studentbanking/

North Country uses New York State HESC and America Student Assistants as their guarantor agencies based on past experience with them in processing loans for our students.  You may select any authorized guarantor agency based on your own criteria.

Scholarship Information

The Financial Aid Office does not award scholarships directly.  The Enrollment Office will notify the Financial Aid Office of any of the following scholarships which are applied automatically if you are eligible; the Adirondack Scholarship, the Hodson Scholarship, the International Scholarship, and the Canadian Alliance Scholarship.  All other scholarships are handled on a case by case basis and are not awarded through the Enrollment and/or Financial Aid Office.  If you have received a scholarship from a different source, you should follow all of the instructions that are necessary to receive the scholarship money and notify the Financial Aid Office when necessary.  The links below are for your information in finding additional scholarships opportunities.  These links are not affiliated with the Enrollment Office so if you have any questions, please contact the person(s) responsible for the scholarship information.

http://www.nccc.edu/scholarship_info.aspx

http://www.finaid.org/scholarships/

Alternative Loan Options

The following is a list of websites that may be used when applying for Alternative Education Loans.  This list does not include all options, but is a list of suggestions.  You may check with your bank for alternative loan options that do not need school certification. *Please note that North Country does not service these loans or provide customer service to students who have problems with these loans.

http://www.educationmaximizer.com

http://www.salliemae.com/TuitionAnswer/index.html

http://www.citizensbank.com/studentloan

http://www.collegeloans.mandtatcollege.com

External Financial Aid Links

Sign your Prom Note (HESC)  www.hesc.com

Sign your Prom Note (AMSA) www.amsa.com

National Student Loan Data System www.nslds.ed.gov

Entrance / Exit Interviews

FAFSA (Free Application for Federal Student Aid)

The Smart Students Guide

NY College Savings Program

HESC (Higher Education Services Corporation)

Important Financial Aid Numbers / Codes

American Student Assistant - Stafford Loan Inquiry 1-800-999-9080

Federal Code: 007111

Federal Student Aid Processor: Duplicate SAR (319) 337-5665, Check SAR Status (800) 4-FEDAID

NYS Tap Program: (888) NYS-HESC

NYS Tap Code: 2258

NYS Higher Education Services Corp: Stafford Loan Inquiry (888) 697-4372

IRS (copies of tax returns of Form 1722): Local Number (914) 471-6662 ext.45

Selective Service: (847) 688-6888

Appeal 

Under provisions pertaining to Standards of Academic Progress, Withdrawal or Non-Attendance or Program Pursuit Regulations, students are allowed to appeal the loss of their eligibility to receive Title IV financial aid.  The appeal procedures provide students who do not meet the above regulations and who have experienced exceptional or extraordinary circumstances "beyond the student's control" an opportunity to continue eligibility to receive financial aid.  Appeals may be granted only where it is determined that circumstances beyond the student's control resulted in failure to satisfy the requirements and where is a reasonable expectation that the student will meet these requirements in the future.

• Students wishing to appeal the loss of their financial aid eligibility must complete and submit an Appeal Application to the Vice President of Enrollment & Student Services by the deadline indicated on the application.
• Students appealing must authorize the release of pertinent information as part of an investigation of the facts concerning the student's failure to meet academic progress regulations.
• The Faculty Governance Council has the responsibility to determine whether or not an Appeal Application is approved.  Students will be notified as to the Committee's decision.

Reinstatement of Financial Aid

Students whose appeals have been denied, or how have not appealed and choose to remain at North Country Community College without receipt of Title IV federal student assistance, may request a review of their academic records after the completion of additional credit hours to determine whether the courses taken have brought them up to the appropriate standards.  If the academic standard is met, eligibility for receipt of Title IV federal student assistance may be restored for subsequent terms in that year.  Further, students who lost their financial aid eligibility, and do not attend North Country Community College for at least one year, may request that their eligibility be reviewed for reinstatement.  Students who lose their financial aid eligibility for two different enrollment periods are no longer eligible to receive financial aid at North Country Community College.

Contact Us:

North Country Community College

23 Santanoni Avenue, P.O. Box 89, NY 12983-0089

Tel: 518-891-2915  Toll Free: 1-888-879-6222

or finaid@nccc.edu