LCCTC - Adult Education

Aid based on financial need, as demonstrated by the Free Application for Federal Student Aid (FAFSA) that the student files, is "need based aid". The Federal Government arranges financial aid through Pennsylvania Higher Education Assistance Agency (PHEAA) aid comes in two forms.

Grants are monies that do not have to be repaid.

Federal Pell Grants range from $400 to $4000 per year and are funded by the Federal Government.

Grants are monies that do not have to be repaid.
Loans must be repaid. Since the Government may be subsidizing a portion of the interest and permitting the postponement of payments while the student is in school, loans are regarded as financial aid. To receive federally sponsored low-interest loans, a student must be enrolled in school at least half-time. Repayment of the principal begins six months after he or she graduates or ceases to be enrolled at least half-time.

The maximum amount a non-dependent student at LCCTC may borrow is $6,625 per academic year. An LPN student may borrow an additional $3,500 to $4,000 for their 2nd year.
*Maximum for dependent student is $2,625.

The Student Aid Report (SAR) is produced by the Processor and contains all the information you provided on your FAFSA. You will receive it three to four weeks from the time you submitted your FAFSA. Check the SAR carefully for accuracy. If there are any changes, make the corrections directly on the SAR and send it back to the address provided on the back of Part II of the SAR.

Once it receives a students FAFSA, the Processor, following Federal guidelines, calculates the contribution the student and his or her family is expected to make toward the educational costs, the information is shared with the schools listed on the students FAFSA

Using information provided by the family and the federal financial analysis, the LCCTC Financial Aid Office develops a "financial aid package" which is made up of the family's financial contribution. Pell Grants, scholarships, agency assistance, and/or loans.

Award Notification tells you what aid you have been awarded. There will be two copies of the award notification. Keep one for your records. Sign and return the second copy.

The Federal Government may require selected applicants receiving federal sources of aid to submit a signed copy of their parents 1040, 1040A or 1040EZ form, If this is required, the applicant will be contacted by the LCCTC Financial Aid Office

The Federal Parent Loan for Undergraduate Students (PLUS) is a non-need-based loan available to any family to help cover school costs. Loans are limited to the cost of education, minus any financial aid available to the student. The Parent Loan can be obtained from the LCCTC FInancial Aid Office. The Loan Servicing Center will conduct a credit check for Parent Loan borrowers

The Alternative Loan is a non-need-based loan available to any family to help cover school costs. The maximum amount is $7,500 minus any other financial aid awarded to the student. The PHEAA Loan Servicing Center will conduct a credit check of applicants and co-applicants.

The Fulton Bank Loan is a non-need-based loan available to any family to help cover school costs. The maximum amount is $7,500 minus any other financial aid awarded to the student. The Fulton Bank will conduct a credit check of applicants and co-applicants.

A student may make monthly payments over the term of their enrollment if approved by the Adult Education Supervisor. For more information call (717)464.7054.

The Department of Veterans Administration provides a program of financial assistance for the education and training of veterans and veteran dependents. Lancaster County Career and Technology Center has been approved for the training of veterans. Veteran, widows of deceased veterans and children of deceased veterans who want to attend school under U.S. Code 10 or 38, Chapters 30, 32, 35, or 106 may be admitted and approved to receive veterans benefits, provided they meet the requirements established by the Department of Veterans Administration. Call the VA at (888)442.4551 or the LCCTC Financial Office at (717)464.7054

Generally, scholarships and grants are given to students with special qualifications, those who are interested in particular fields of study, members of under-represented groups, students who live in certain areas of the country, or students who demonstrate financial need.

USA Funds assist students in achieving their higher education goals by awarding up to $3 million in scholarships to qualified students demonstrating financial need. The program is open to high school seniors, incoming students, or currently enrolled students. The program will award scholarships worth $1,500 to full-time undergraduate students and $750 to part-time undergraduate students.

The Nightingale Awards of Pennsylvania is a non-profit foundation sponsoring a scholarship program dedicated to supporting Pennsylvania residents who are pursuing a career in nursing. The foundation invites qualified candidates to apply for scholarships that are awarded in the spring of each year for the fall and spring terms. More information can be obtained at www.nightingaleawards.com

The best way to search for scholarships is to use a personalized search that compares your background with a database of awards. Only those awards that fit your profile are identified as matches. Following are several websites that can visit to do scholarship searches:

www.absolutelyscholarships.com

www.freschinfo.com

www.fastaid.com

The sooner you submit your FAFSA, the greater the likelihood that your financial aid information will arrive in tandem with you offer of admission.




	FINANCIAL AID Financial Aid Handbook Need-Based Aid Aid based on financial need, as demonstrated by the Free Application for Federal Student Aid (FAFSA) that the student files, is "need based aid". The Federal Government arranges financial aid through Pennsylvania Higher Education Assistance Agency (PHEAA) aid comes in two forms. GRANTS Grants are monies that do not have to be repaid. Federal Pell Grants range from $400 to $4000 per year and are funded by the Federal Government. LOANS Grants are monies that do not have to be repaid. Loans must be repaid. Since the Government may be subsidizing a portion of the interest and permitting the postponement of payments while the student is in school, loans are regarded as financial aid. To receive federally sponsored low-interest loans, a student must be enrolled in school at least half-time. Repayment of the principal begins six months after he or she graduates or ceases to be enrolled at least half-time. The maximum amount a non-dependent student at LCCTC may borrow is $6,625 per academic year. An LPN student may borrow an additional $3,500 to $4,000 for their 2nd year. Maximum for dependent student is $2,625. To Apply For Need-Based Aid A. COMPLETE THE FAFSA Obtain the FAFSA* for the upcoming academic year from your high school guidance office or LCCTC Financial Aid Office. Complete your FAFSA as soon as possible before your program starts. Be as accurate as possible. Errors may cause extensive delays in financial aid delivery. Completing the Release and Signatures section of the FAFSA with the LCCTC school code 016342 allows the central processor to send the information to our financial aid office electronically. (The "Central Processor" is an agency that the federal government has contracted to process the financial data that you have included in your FAFSA.) Make an appointment with the LCCTC Financial aid office to review our paperwork for accuracy. B. REVIEW THE RESULTS The Student Aid Report (SAR) is produced by the Processor and contains all the information you provided on your FAFSA. You will receive it three to four weeks from the time you submitted your FAFSA. Check the SAR carefully for accuracy. If there are any changes, make the corrections directly on the SAR and send it back to the address provided on the back of Part II of the SAR. C. DETERMINING NEED AND AWARDING AID Once it receives a students FAFSA, the Processor, following Federal guidelines, calculates the contribution the student and his or her family is expected to make toward the educational costs, the information is shared with the schools listed on the students FAFSA Using information provided by the family and the federal financial analysis, the LCCTC Financial Aid Office develops a "financial aid package" which is made up of the family's financial contribution. Pell Grants, scholarships, agency assistance, and/or loans. D. AWARD NOTIFICATION Award Notification tells you what aid you have been awarded. There will be two copies of the award notification. Keep one for your records. Sign and return the second copy. E. APPLICANTS SELECTED FOR VERIFICATION The Federal Government may require selected applicants receiving federal sources of aid to submit a signed copy of their parents 1040, 1040A or 1040EZ form, If this is required, the applicant will be contacted by the LCCTC Financial Aid Office F. COMPLETE THE LOAN APPLICATION Obtain a Master Stafford Loan Promissory Note from the LCCTC Financial Aid Office. Contact your bank. Complete and return white copy to the LCCTC office Financial Aid Office will certify a loan and mail the application to guarantor bank. You will receive a notice of loan status from PHEAA in 2 to 3 weeks. If you are in default of a previous loan, you will not be approved for a new loan until the previous loan is brought out of default status by making satisfactory payment arrangements or by paying off the loan. Additional Financing Options PARENT LOANS The Federal Parent Loan for Undergraduate Students (PLUS) is a non-need-based loan available to any family to help cover school costs. Loans are limited to the cost of education, minus any financial aid available to the student. The Parent Loan can be obtained from the LCCTC FInancial Aid Office. The Loan Servicing Center will conduct a credit check for Parent Loan borrowers ALTERNATIVE LOAN The Alternative Loan is a non-need-based loan available to any family to help cover school costs. The maximum amount is $7,500 minus any other financial aid awarded to the student. The PHEAA Loan Servicing Center will conduct a credit check of applicants and co-applicants. FULTON BANK The Fulton Bank Loan is a non-need-based loan available to any family to help cover school costs. The maximum amount is $7,500 minus any other financial aid awarded to the student. The Fulton Bank will conduct a credit check of applicants and co-applicants. INSTALLMENT PAYMENT PLAN A student may make monthly payments over the term of their enrollment if approved by the Adult Education Supervisor. For more information call (717)464.7054. VETERANS EDUCATION ASSISTANCE The Department of Veterans Administration provides a program of financial assistance for the education and training of veterans and veteran dependents. Lancaster County Career and Technology Center has been approved for the training of veterans. Veteran, widows of deceased veterans and children of deceased veterans who want to attend school under U.S. Code 10 or 38, Chapters 30, 32, 35, or 106 may be admitted and approved to receive veterans benefits, provided they meet the requirements established by the Department of Veterans Administration. Call the VA at (888)442.4551 or the LCCTC Financial Office at (717)464.7054 Local Agency Funding New Choices / New Options Office of Vocational Rehabilitation Lancaster Employment and Training Agency TRA / TAA For further information, contact your local Careerlink at (717)509.5613 Scholarships Generally, scholarships and grants are given to students with special qualifications, those who are interested in particular fields of study, members of under-represented groups, students who live in certain areas of the country, or students who demonstrate financial need. USA FUND USA Funds assist students in achieving their higher education goals by awarding up to $3 million in scholarships to qualified students demonstrating financial need. The program is open to high school seniors, incoming students, or currently enrolled students. The program will award scholarships worth $1,500 to full-time undergraduate students and $750 to part-time undergraduate students. NIGHTINGALE AWARDS The Nightingale Awards of Pennsylvania is a non-profit foundation sponsoring a scholarship program dedicated to supporting Pennsylvania residents who are pursuing a career in nursing. The foundation invites qualified candidates to apply for scholarships that are awarded in the spring of each year for the fall and spring terms. More information can be obtained at www.nightingaleawards.com SCHOLARSHIP SEARCHES The best way to search for scholarships is to use a personalized search that compares your background with a database of awards. Only those awards that fit your profile are identified as matches. Following are several websites that can visit to do scholarship searches: www.absolutelyscholarships.com www.freschinfo.com www.fastaid.com SUBMIT YOUR FORMS EARLY The sooner you submit your FAFSA, the greater the likelihood that your financial aid information will arrive in tandem with you offer of admission.





















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