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How Financial Aid is Determined

Financial need is the difference between the Estimated Cost of Attendance (COA) at Georgia College and the Expected Family Contribution (EFC).

           Estimated Cost of Attendance 

minus  Expected Family Contribution 

equals Financial Need

The Cost of Attendance  (COA), which is determined by GC, is an estimate of tuition, fees, room, board, books, supplies, personal and miscellaneous expenses. This estimate is used in financial aid calculations and is prepared in advance of actual fees being established. The financial aid Cost of Attendance includes cost paid directly to GC and also indirect cost that the student may incur associated with attending school.

The Expected Family Contribution (EFC), is derived from a congressional formula that is applied to a student's family income as reported on the Free Application for Federal Student Aid (FAFSA) each year. The EFC is used to determine your eligibility for the federal student aid programs.


Determining Eligibility

Basic Eligibility Requirements

  1. Be a U.S. citizen or eligible permanent resident.
  2. Be in compliance with the Academic Requirements for receiving Aid.
  3. Be fully accepted for admission at Georgia College in a degree-seeking program.
  4. Non-degree, transient, conditional and/or unclassified students are not eligible for Federal Pell Grant, Federal Perkins Loan, Federal Supplemental Educational Opportunity Grant, Federal Work-Study, Federal Direct Stafford Loan or Federal Direct PLUS.
  5. Transient students may receive HOPE Scholarship funds, if eligible. Eligibility is determined by the students "home" institution. Payment is made by the "visiting" institution in accordance with HOPE regulations.
  6. Not be in default on any loan or have borrowed in excess of loan limits at any institution.
  7. Not owe a refund on any grant at any institution.
  8. Certify registration with Selective Service, if required.
  9. Demonstrate financial need for need-based programs.


Effective July 1, 2000, students are ineligible for Title IV federal financial aid funds if convicted of an offense involving the possession of an illegal substance that occurred during a period of enrollment for which the students were receiving federal student aid (grants, loans and/or work-study).

The ineligibility period is:

•     First Offense = 1 year

•     Second Offense = 2 years

•     Third Offense = Indefinite

For convictions involving sale of an illegal substance, the ineligibility period is:

•     First Offense = 2 years

•     Second Offense = Indefinite

A student may regain eligibility by successfully completing a drug rehabilitation program that complies with criteria established by the U.S. Department of Education. Contact the Financial Aid Office for further details. Report any convictions involving an illegal substance on question #23 of the Free Application for Federal Student Aid (FAFSA).


If you have any additional questions please contact the Financial Aid Office .

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