This presentation offers undergraduate college students information about how to apply for tuition assistance. It all begins with the Free Application for Federal Student Aid (FAFSA). The presentation is part of a career pathway series for California college students. Tabakian, Inc. offers career pathway services for traditional and nontraditional students through seminars, workshops, and personal consultations. Seminars and workshops on academic entrepreneurialism are also available.

1. Achieving Success In Higher Education
“Finding The Money”
John Paul Tabakian, Ed.D.

2. TOPICS
• Available Services From Tabakian, Inc.
– John Paul Tabakian, Ed.D.
• Defining Financial Aid
• Determining Eligibility
• Dependent Versus Independent Status
• Special Circumstances
• How To Apply
• When To Apply
• California Resident Students
– Nonresidents, AB540, Etc.
• California Board Of Governors Fee Waiver

3. AVAILABLE SERVICES
Career pathway services for traditional and
nontraditional students are available through
seminars, workshops, and personal consultations.
Seminars and workshops on academic
entrepreneurialism are also available.
John Paul Tabakian, Ed.D. Tel: (310) 421-8532
Tabakian, Inc. Fax: (310) 742-5152
PO Box 11069 class@tabakian.com
Torrance, CA 90510 www.tabakian.com

4. JOHN PAUL TABAKIAN, ED.D.
John Paul Tabakian, Ed.D., is a
nontraditional student who did not
graduate from high school with his
graduating class, instead taking the
California High School Proficiency Exam
(CHSPE) as a junior and enrolling in
community college. That fateful decision
led to a successful professional career in
public issue campaigns, business, and
academic success, culminating with his
doctorate research in factors that
encourage academic entrepreneurialism
among community college faculty.

5. FINANCIAL AID
• To Provide Student Financial Assistance
– The Aid Determines Their Ability To Attend
– Students & Parents Still Contribute Portion
• Aid Fills In The Annual Gap
– Aid Supplements Family’s Existing Income
• Not Sole Support Of Non-Educational Expenses
– Financial Aid Comes From Multiple Sources
• Federal and State Government
• Institutional, Community, Individuals, Grants, Loans
• Work-Study, Scholarship, or Combination

6. ELIGIBILITY – 1
• United States Citizen
• Eligible Non-Citizen
– U.S. Permanent Resident
• Department of Homeland Security Documentation
– Verifying His / Her Stay In The U.S.
» Other Than Temporary Purpose
• Demonstrate Financial Need (Most Programs)
• Possess High School Diploma
– Or Recognized Equivalent
• GED, High School Proficiency, Home school Setting
• Students Not Meeting This Requirement Prior To July 2012
– Visit Your Financial Aid Office)

7. ELIGIBILITY – 2
• Be Enrolled As A Regular Student
– In Eligible Program
• Maintain Satisfactory Academic Progress
– Leading To Certificate, AA, AS
– Or Program Leading To BA / BS Program
– Not Be In Default Of Any Student Loan Like
• Perkins, Stafford (subsidized & unsubsidized
• Federal Direct Loans (subsidized or unsubsidized
• Supplemental Loans To Assist Students (SLS)
– At any college attended

8. ELIGIBILITY – 3
• Not Owe Overpayment
– Federal Pell Grant
– Federal Supplemental Educational Opportunity
Grant (FSEOG)
– Academic Competitiveness Grant (ACG)
– Smart Grant
– Iraq and Afghanistan Service Grant
– Must Be Registered With Selective Service
• If required to do so

9. ELIGIBILITY – 4
• Possess Social Security Number (SSN)
• Resolved All Drug Conviction Issues
• File Income Tax Returns
– If required to do so

10. (IN)DEPENDENT – 1
• You Are Independent If You Meet Any Of The
Following Criteria:
– Born Before January 1, 1989
– You Are Married
– Enrolled In A Master’s Or Doctoral Program
(graduate or professional program beyond a
bachelor’s degree) in 2012-2013
– Currently Serving Active Duty In U.S. Armed Forces
– Purposes Other Than Training

11. (IN)DEPENDENT – 2
• Veteran Of The U.S. Armed Forces
• You Have Children Who Will Receive More
Than Half Of They Support From You
• You Have Dependent
– Other Than Your Spouse Or Your Children
– Who Live With You
– And Receive More Than Half Of Their Support
• From you currently

12. (IN)DEPENDENT – 3
• Any Time Since You Turned Aged 13
– Both Your Parents Were Deceased
– You Were In Foster Care
– You Were A Dependent / Ward Of The Court
• Today You Are An Emancipated Minor
– As Determined By A Court
• In Your State Of Legal Residence
– Your High School Or School District Homeless Liaison
Determined That You Are An Unaccompanied Youth
Who Was Homeless

13. (IN)DEPENDENT – 4
• The Director Of An Emergency Shelter Or
Transitional Housing Program Funded By The
U.S. Department of Housing and Urban
Development
– Determined You Were An Unaccompanied Youth
Who Was Homeless Or Were Self-Supporting And
At Risk Of Being Homeless
• Complete The FAFSA If You Meet Any Of These
Criteria

14. SPECIAL SITUATIONS
• Under Federal Law, Your Family Is Primarily
Responsible For Paying Your College Expenses
• You May Be Able To Submit Your FAFSA
Without Parental Information Under Special
Circumstances
– Your Parents Are Incarcerated
– You Left Home Due To Abuse
– Etc.

15. HOW TO APPLY
• Visit These Sites
– WWW.ICANAFFORDCOLLEGE.COM
– WWW.FAFSA.GOV
– WWW.STUDENTAID.ED.GOV
– WWW.STUDNETLOANS.GOV
• Additional Support Exists
– Federal Direct Loans
– PLUS Loans
– Emergency Loans
– Scholarships

16. CALIFORNIA RESIDENCY
• The Admissions Office Determines The
Residency Status For All Students
• Assembly Bill 540 (AB540) Allows Qualified
Students To Be Exempt From Paying Out Of
State Tuition At Public Colleges And
Universities In California
• Non-Resident Students Pay Out Of State Fees
Similar To Foreign Students

17. DEFERRED TUITION
• Tuition Fees Must Be Paid At Time Of
Registration
• A Student Receiving Financial Aid May Defer
Payment Of Tuition
• Federal Pell Grant And Other Aid May Not Pay
The Full Tuition
– Students Are Responsible For Balance

18. BOG FEE WAIVER – 1
• The Board Of Governors (BOG) Fee Waiver Is
Offered By The California Community Colleges
• The BOG Fee Waiver Waives Enrollment Fees,
But Not Book Fees, OR Health Fee
• Applicants Are Not Required To Be Enrolled In
A Specific Number Of Units Or Courses To
Receive The BOG

19. BOG FEE WAIVER – 2
• You Are Eligible For The BOG If You Are
– A California Resident
– Enrolled IN At Least One Unit
– One Of The Following Categories Applies
• Recipient Of Benefits
– TANF / CalWORKS Program
– Supplemental Security Income
– State Supplementary Program (SSI / SSP)
• General Assistance Program (GA)

20. BOG FEE WAIVER – 2
• General Assistance Program (GA)
• Qualify By Income Standards
• Federal Student Aid Applicant
– Determined After Submitting FAFSA
• Dependent’s Fee Waiver
– Certification From California Veterans
Administration or the National Guard Adjutant
General that you qualify for a Dependent’s Fee
Waiver
– Surviving Dependents Of 9/11/2001

21. BOG FEE WAIVER – 3
– Note About Domestic Partnerships
• If you are in a Registered Domestic Partnership (RDP),
you will be treated as an independent, married student
to determine eligibility for the BOG Fee Waiver and will
need to provide income and household information for
your domestic partner.
• If you are a dependent student and your parent is in a
Registered Domestic Partnership, you will be treated
the same as a student with married parents and income
and household information will be required from the
parent’s domestic partner. This is applicable to state aid
only, not federal aid.

22. TAX CREDITS – 1
• American Opportunity Tax Credit
– Replaces And Expands The Hope Credit
– Available To Those Whose Modified Adjusted Gross
Income Is $80,000
• $160,000 or less for married couples filing jointly
• Whose who do not make enough money to have to file a tax
return should consider filing, because they can get up to
$1000!
– The New Credit Adds Required Course Materials To
List Of Qualifying Expenses
– Allows The Credit To Be Claimed For Four Years

23. TAX CREDITS – 2
– Those Who Qualify For The Maximum Annual Credit
Of $2500 Per Student
• $500 More Than The Hope Credit
• Lifetime Learning Credit
– Families May BE Able To Claim Up To $2000 For
Tuition And Required Fees Each Year
– Maximum Credit Is Determined On A Per-Taypayer
(Family) Basis, Regardless Of Number Of Family
Postsecondary Students
– Fees Covered By A Fee Waiver, Scholarship, OR Grant
Are Unable To Add The Costs To Their Family Tax
Credit Calculation

24. PELL GRANT – 1
• The Federal Pell Grant Provides Gift Aid
Assistance To Undergraduates
– Who Have Not Earned A Baccalaureate
– Who Have Not Earned A Professional Degree
– Who Demonstrate Financial Need
– Awards Based On Expected Family Contribution
(EFC) and Enrollment Status
– Maximum Annual Award Is $5550

25. PELL GRANT – 2
• Higher Education Opportunity Act (HEOA)
– Maximum Student Lifetime Pell Eligibility Of
• 600% (12 full time semesters)

26. FSEOG
• The Federal Supplemental Educational
Opportunity Grant (FSEOG)
– Federal Grant Designed To Supplement Other
Sources Of Financial Aid
• For Students With Exceptional Need
• Awards Based On Financial Need Available Funds
• Six Approved Unit Minimum Enrollment Required
– At The College Where Students Receive Financial Aid
– Units From Other Colleges May Not Be Combined
» To Add Up To The Six Units

27. LOANS
• Loans Must Be Paid Back
• Loans Delivered To The Student After Meeting
Enrollment And Academic Progress
Requirements
– Six Approved Units
– Passing Courses
• Federal Student Loans Are Not Automatically
Included In The Student’s Award Package

28. PERKINS LOANS
• Federal Perkins Education Loans
– 5% Fixed Interest For Students
• With Exceptional Financial Need
• Must Be Enrolled In Six Approved Units
– At Their Home Campus
– Repayment Begins Nine Months After
• The Borrower Graduates, Withdraws, Or Drops Below
Half-Time Status
• Repayment Period Can Be Extended Ten Years
• Interest Begins During Repayment Schedule

29. FEDERAL DIRECT LOANS – 1
• Loans Borrowed Directly From The Federal
Government
• Borrowing Limits Vary Based Upon:
– Amount Of Unmet Need After Other Financial
Assistance Has Been Considered
– Applicant’s Year In School
– Applicant’s Academic Progress
– Applicant’s Repayment History

30. FEDERAL DIRECT LOANS – 2
• Subsidized Federal Direct Loans
– Students Must Complete The FAFSA
– Demonstrate Financial Need
– U.S. Department of Education Pays Out
– Federal Government Pays The Interest As Long As
The Borrower Is Enrolled At Least Half-Time In A
Degree Seeking Program
• Continues Six Months Thereafter
• Students Maintain Satisfactory Academic Progress

31. FEDERAL DIRECT LOANS – 3
– 1% To 1.5% Default Reduction Fee And A 0.50% to
1% Origination Fee May BE Charged By The U.S.
Department of Education And Deducted From
Each Direct Loan Disbursement
– Annual Maximum Award Is Tied To The Student’s
Academic Level
• Ranges From $3500 For First Year Grade Level
• Up To $4500 For Second Year Grade Level
• Grade Level 1 = 0 To 30 Units, etc.

32. FEDERAL DIRECT LOANS – 4
• Unsubsidized Federal Direct Loans
– Eligibility Is Not Based On Family Need
– U.S. Department Of Education Pays Out
– Federal Government Does Not Pay The Interest On
Behalf Of Borrowers
– Student Borrower Can Chooses Either To Make
Periodic Payments Of The Interest
• Or Have The Interest Added Back To The Principal
– 1% to 1.5% Default Reduction Fee and a 0.50% to
1% Load Origination Fee May Be Charged

33. FEDERAL DIRECT LOANS – 5
• Students Must Complete And Submit The
FAFSA In Order To Be Considered For The
Unsubsidized Loan
• The Annual Maximum Award Is Tied To The
Student’s Grade Level
• Maximum Annual Loan Amount Is $6000
• The Annual Interest Rate Is 6.8%

34. FEDERAL PLUS LOANS
• Creditworthy Parents Of Dependent
Undergraduates Can Apply For A Federal Plus
Loan
• Not Based On Demonstrated Need
• May Be Used For All Or Portions OF Calculated
Family Contribution For Students Who
Completed The FAFSA
• Fixed Annual Interest Rate Of 8.5%

35. PROMISSORY NOTES
• You Must Sign A Master Promissory Note
(MPN) Before Receiving Loan Assistance
– Binding Promise To Repay Loan Funds
– U.S. Department Of Education Will Mail / E-mail
you a Master Promissory Note (MPN)
– Your College Will Not Originate Your Federal Direct
Loan Until Your MPN Has Been Signed / E-Signed
An Approved By The U.S. Department Of
Education

36. LOAN COUNSELING
• Entrance Loan Counseling For First-Time
Borrowers
– All First-Time Federal Direct Borrowers At The
Institution Must Complete The Loan Entrance
Counseling
• Even If You Have Borrowed At Another Institution
• Can Be Completed Online
– WWW.STUDENTLOANS.GOV

37. TRIO – 1
• TRIO is a federally funded program designed
to assist students who plan to transfer to a
four-year college or university.
• Eligibility is based on low income, first
generation or disabled college students with
academic need.
• Students must be a U.S. citizen or permanent
resident.

38. TRIO – 2
• TRIO provides academic career and personal
counseling, cash grants, tutoring, skills /
information workshops, priority registration,
cultural activities, field trips, computer lab
usage, and laptop loaning.

39. CAL GRANTS – 1
• Students Must Meet The Following Requirements
– United States Citizen
– Eligible Non-Citizen
• U.S. Permanent Resident
– Department of Homeland Security Documentation / Verification
– Other Than Temporary Purpose
• Demonstrate Financial Need (Most Programs)
• Possess High School Diploma
– Recognized Equivalent (GED, High School Equivalent, etc.)
– Students Not Meeting This Requirement Prior To July 2012
» Visit Your Financial Aid Office)

40. CAL GRANTS – 2
• Be Enrolled As A Regular Student
– In Eligible Program
• Maintain Satisfactory Academic Progress
– Leading To Certificate, AA, AS
– Or Program Leading To BA / BS Program
– Not Be In Default Of Any Student Loan Like
• Perkins, Stafford (subsidized & unsubsidized
• Federal Direct Loans (subsidized or unsubsidized
• Supplemental Loans To Assist Students (SLS)
– At Any College Attended

41. CAL GRANTS – 3
• Not Owe Overpayment
– Federal Pell Grant
– Federal Supplemental Educational Opportunity
Grant (FSEOG)
– Academic Competitiveness Grant (ACG)
– Smart Grant
– Iraq and Afghanistan Service Grant
– Must Be Registered With Selective Service

42. CAL GRANTS – 4
• Possess Social Security Number (SSN)
• Resolved All Drug Conviction Issues
• File Income Tax Returns
– If Required To Do So
– Be a California resident
– Be attending at least half-time at a qualifying
California college

43. CAL GRANTS – 5
– Have not already earned a bachelor’s or
professional degree, or the equivalent.
– Meet the income and asset ceiling as established
by CSAC.
• Students must submit a GPA Verification and
FAFSA by the applicable deadlines to the
California Student Aid Commission.

44. CAL GRANTS – 6
• Grants That Are Available
–Entitlement Grants
• Cal Grant A: provides grant funds to help pay
for tuition / fees at qualifying institutions
offering baccalaureate degree programs. If you
received a Cal Grant A, but choose to attend a
California Community College first, your award
will be held in reserve for up to three years
until you transfer to a four year college.

45. CAL GRANTS – 7
• Cal Grant B: provides subsistence payments for
new recipients in the amount of $1473 for a full-
time, full year award.
• Payments are reduced accordingly for three-
quarter and half-time enrollment for each payment
period.
• Cal Grant B recipients whose transfer to a tuition /
fee charging school after completing one or two
years at a community college may have their grant
increased to include tuition and fees as well as
subsistence.

46. CAL GRANTS – 8
• Cal Grant Transfer Entitlement Award is for
eligible California Community College
students who are transferring to a four-year
college and are under the age of 28 as of
December 31 of the award year.

47. CAL GRANTS – 9
• Cal Grant A and B competitive awards are used
for the same purpose as the entitlement awards,
except that they are not guaranteed and the
number of awards is limited.
• Cal Grant C recipients are selected based on
financial need and vocational aptitude. Students
must be enrolled in a vocational program at a
California Community College, private college, or
career technical school in a course of study
lasting from four months to two years.

48. LAW ENFORCEMENT PERSONNEL
DEPENDENTS GRANT – 1
• The Law Enforcement Personnel Dependents
(LEPD) Grant is a program administered by
California Student Aid Commission.
– Students must be a child (natural or adopted) or
spouse, at the time of death or injury or a
California peace officer or law enforcement
officer; firefighter; or officer or employee of the
Department of Corrections, or the Department of
Youth Authority.

49. LAW ENFORCEMENT PERSONNEL
DEPENDENTS GRANT – 2
– Be enrolled in a minimum of six units at a California
postsecondary institution accredited by the Western
Association of Schools and Colleges.
– Demonstrate financial need as determined by the
Financial Aid Office at the institution in which
students are enrolled.
• The grant will be in an amount equal to the
amount provided to a student who has been
awarded a Cal Grant. Awards may be used for
tuition and fees, books, supplies, and living
expenses.

50. LAW ENFORCEMENT PERSONNEL
DEPENDENTS GRANT – 3
• For more information and to obtain an
application:
– Go to http://www.csac.ca.gov, Commission
Programs or email specialized@csac.ca.gov.
– Call the California Student Aid Commission’s
Specialized Program Branch at (888) 224-7268,
option #3.

51. LAW ENFORCEMENT PERSONNEL
DEPENDENTS GRANT – 4
– Submit a request in writing to:
California Student Aid Commission
Specialized Programs
PO Box 419029
Rancho Cordova, CA 95741-9029

52. CHILD DEVELOPMENT GRANT – 1
• The Child Development Grant Program is for
students who plan to teach or supervise at a
licensed children’s center.
• Selected recipients attending a two-year post-
secondary institution are eligible to receive up
to $1000 per academic year.
• The grant is renewable for an additional year.
• It is awarded to students attending a public or
private two or four-year college in California.

53. CHILD DEVELOPMENT GRANT – 2
• To learn more about this program and to apply
online, visit the California Student Aid
Commission website at www.csac.ca.gov.
• You can also call (888) 224-7268 and select
Option #3.

54. CHAFEE GRANT – 1
• The California Chafee Grant is a federal grant
administered by the California Student Aid
Commission and provides assistance to
current or former foster youth to use for
college courses or vocational school training.
• Eligible students may receive up to $5000 per
academic year.

55. CHAFEE GRANT – 2
• To learn more about this program and to apply
online, visit the Commission website at
www.csac.ca.gov.
• You can also call (888) 224-7268.
• E-mail: studentsupport@csac.ca.gov
– “Attn: Chafee” in the subject line.

56. CHAFEE GRANT – 3
• You can also mail your application to:
California Student Aid Commission
Specialized Programs Operations Branch
Attn: California Chafee Grant Program
PO Box 419029
Rancho, Cordova, CA 95741-9029
Or fax to (916) 526-7977

57. CNG EAAP – 1
• California National Guard Education
Assistance Award Program (CNG EAAP).
• Administered by the California Student Aid
Commission to active members in the
California National Guard, the State Military
Reserve, or the Naval Militia.
• Provides educational incentive to improve
skills, competencies, and abilities.

58. CNG EAAP – 2
• To qualify, you must:
– Be an active member who has served two years in
the California National Guard, the State Military
Reserve, or the Naval Militia.
– Agree to remain an active member throughout
the participation period in the program.
– Agree to use the award to obtain a certificate,
degree, or diploma that you currently do not
possess.

59. CNG EAAP – 3
– Be enrolled in, registered at, or accepted to a
qualifying institution.
– Agree to use the award to obtain a certificate,
degree, or diploma that you currently do not
possess.
– Be enrolled in, registered at, or accepted to a
qualifying institution.
– Agree to maintain enrollment of a minimum of
three academic units per semester, or the
equivalent, at a qualifying institution.

60. CNG EAAP – 4
– Agree to maintain at least a 2.0 cumulative grade
point average (GPA).
– Be a resident of California for at least one year.
• For more information go to
www.calguard.ca.gov

61. EOP&S – 1
• Extended Opportunity Program And Services
(EOP&S)
– Designed primarily for the recruitment and
retention of students affected by language, social,
and economic disadvantages
– Includes grants and book loans
– Educational, personal, and career counseling
– Personal development courses
– College survival skills

62. EOP&S – 2
– Cultural awareness activities
– Career workshops
– Field trips to four-year colleges and universities
• Criteria for EOP&S students:
– Qualified to receive a Board of Governors Fee
Waiver A or B
– Educationally disadvantaged
– Enrolled in 12 or more units

63. EOP&S – 3
– Completed less than 70 units or 6 consecutive
semesters
– California residents

64. CARE
• Cooperative Agencies Resources For Education
(CARE)
– State funded support service for single parents
receiving public assistance who have children
under the age of 14
– Services include
• Books and supplies, cash grants, child care, auto repair
reimbursement, meal tickets, auto gas cards, parking
permits, bus pass / tokens, parenting workshops,
counseling services, and on and off-campus referrals.

65. GAIN / CALWORKS – 1
• GAIN / California Work Opportunity And
Responsibility To Kids
– Welfare program that gives cash aid and services
to eligible needy families
– Greater Avenues for Independence (GAIN)
program provides employment-related services to
CalWorks participants
• State program that provides an educational
environment where students develop the needed
vocational skills to enhance their market value.

66. GAIN / CALWORKS – 2
– Services offered include
• Job development, child-care, counseling, books, paid
work-study , and other support services
– Programs offered include
• General Equivalency Diploma, Adult Basic Education,
ESL classes, and vocational classes, such as Office
Administration, Child Development, Home Health Aide,
and Culinary Arts

67. MONEY LINKS – 1
• Information About Cal Grants
– www.calgrants.org
• California Student Aid Commission
– www.csac.ca.gov
• Direct Loan Information
– www.studentloans.gov
• U.S. Department of Education
– www.ed.gov

68. MONEY LINKS – 2
• FAFSA on the web – completing the
Worksheet and answers to Frequently Asked
Questions (FAQ) including finding and using
Federal School codes
– www.fafsa.gov
• Learn the basics of financial aid
– www.fafsa4caster.ed.gov

69. MONEY LINKS – 3
• Scholarship search engine
– www.fastweb.com
• Scholarship search engine
– www.collegeboard.com
• Scholarship search engine
– www.collegeanswer.com
• Online financial planning / calculator
– www.finaid.org

70. MONEY LINKS – 4
• Online financial planning / calculator
– www.mapping-your-future.org
• National Student Loan Data System (NSLDS)
– www.nslds.ed.gov
• Sign up for Federal Student Aid Personal
Identification Number (PIN)
– www.pin.ed.gov

71. MONEY LINKS – 5
• U.S. Social Security Administration
– www.ssa.gov
• Selective Service System
– www.sss.gov
• Online resources for wide range of financial
aid topics
– www.studentaid.ed.gov