Types of Aid

Helping Outstanding Pupils Educationally

HOPE Scholarship provides students with state funds for tuition. The tuition award amount is determined annually by the Georgia Student Finance Commission as a "per credit hour rate" which is published on their website.

EFFECTIVE SUMMER 2013 for Recipients that choose to apply for HOPE or Zell Miller Scholarship using the GSFAPPS (instead of the FAFSA):  As mandated by Georgia Verification of Lawful Presence (O.C.G.A. § 50-36-1), documents may be required to receive Georgia State Scholarships & Grants.  Students that will need to submit documents will be notified via their on-line Financial Aid Award notification. Click here to view acceptable documentation to satisfy this requirement. (pdf)

The deadline to be reviewed for Georgia’s HOPE Scholarships is the last day of class for the semester which the student is seeking payment from these funds.  Students who think they may be eligible for HOPE Scholarship MUST contact the Financial Aid Office PRIOR to the last day of the semester that they are seeking potential payment from the HOPE Scholarship Program. Please be aware that the GC Financial Aid office makes every effort to identify possible candidates based on academic history, but it is the student’s responsibility to initiate a review of their eligibility prior to the end of the semester he/she is seeking payment if he/she have not been awarded these funds. This policy is necessary due to imposed state-mandated deadlines for universities to finalize reconciliation of all payments.

HOPE Check-Points for Continued Eligibility

Students are evaluated to insure he/she attained a 3.0 GPA at the following checkpoints:

 30 attempted semester hours
 
 60 attempted semester hours
 
 90 attempted semester hours
 
 At the end of every Spring Semester
 (except for beginning Freshmen enrolled below full-time)

NOTE: Students can only lose their eligibility at the End-of-Spring check point. To regain eligibility, students must be at 30, 60 or 90 attempted hours.

HOPE attempted hours include: All regular coursework attempted after high school graduation, non-credit course work (LSS and Regents), all attempted transfer coursework, withdrawals, and dropped courses.

 

Limit of Eligibility

Students are eligible to receive the HOPE Scholarship for up to 127 attempted or paid hours, whichever is reached first.

Students are not eligible to receive HOPE Scholarship funds if they have attempted 127 semester hours or more or have earned a baccalaureate degree.

Students are eligible for a combined payment maximum of 127 semester hours. Hours for which students received payment from the Zell Miller Scholarship, HOPE Scholarship, HOPE Grant ,and the Accel program (through Spring 2011) are included in calculating the total Paid hours.

A student who has received HOPE Scholarship payment prior to Summer 2011, may receive the HOPE Scholarship until June 30, 2015, as long as the student continues to meet all other eligibility requirements.

A student who did not receive HOPE Scholarship prior to Summer 2011, and meets all other eligibility requirements for HOPE Scholarship, may receive the HOPE Scholarship until 7 years after his/her high school graduation date, GED test date, Home Study program completion date, or date the student stopped pursuing a diploma.

 

HOPE Cumulative Grade Point Average (GPA) Calculation

HOPE GPA includes:

All earned grades (including both grades when a course is repeated)
Grades for non-credit coursework when given
Grades from all transfer work (even if courses are not accepted at GC)

 

HOPE GPA does not include:

Grades given of S, U, IP, W
Grades earned in college courses prior to high school graduation
Grades earned by examination (i.e., AP credit and CLEP)
Note: In some instances, the HOPE GPA may not be reflected on the student's official transcript.

 

Second Chance to Regain HOPE

Students who lose the HOPE Scholarship after 30 attempted hours or an End-of-Spring check-point may regain eligibility if they have a 3.0 GPA at the point of attempting 60 or 90 semester hours.

 

Non-Traditional Students

Students who graduated from high school prior to 1993 or who were not HOPE eligible upon high school graduation may become eligible for HOPE if he/she has a 3.0 GPA at the point of attempting 30, 60, or 90 semester hours.  Students are eligible to receive HOPE Scholarship until 7 years from the date of the student’s high school graduation, home study completion, or successful GED test. This eligibility expiration date will be June 30th of the seventh academic year. Please note:  The only exception to the 7 year eligibility limit are students who received HOPE Scholarship prior to Fall semester 2011. These students eligibility will expire on June 30, 2015.

 

For More Details:

HOPE Scholarship FAQ
How to Maintain the HOPE Scholarship
The official HOPE website

Zell Miller Scholarship

Zell Miller Scholarship pays full standard tuition for students who earned a 3.7 GPA (un-weighted) for all academic high school classes and earned at least a 1200 in one sitting on the Math and Verbal section of the SAT or at least a 26 on the ACT. Students who are Valedictorian or Salutatorian of their class are automatically eligible for Zell Miller Scholarship.

EFFECTIVE SUMMER 2013 for Recipients that choose to apply for HOPE or Zell Miller Scholarship using the GSFAPPS (instead of the FAFSA):  As mandated by Georgia Verification of Lawful Presence (O.C.G.A. § 50-36-1), documents may be required to receive Georgia State Scholarships & Grants.  Students that will need to submit documents will be notified via their on-line Financial Aid Award notification. Click here to view acceptable documentation to satisfy this requirement. (pdf)

The deadline to be reviewed for Georgia’s Zell Miller Scholarships is the last day of class for the semester which the student is seeking payment from these funds.  Students who think they may be eligible for Zell Miller Scholarship MUST contact the Financial Aid Office PRIOR to the last day of the semester that he/she is seeking potential payment from the Zell Miller Scholarship Program.  Please be aware that the GC Financial Aid office makes every effort to identify possible candidates based on academic history but it is the student’s responsibility to initiate a review of their eligibility prior to the end of the semester they are seeking payment if they have not been awarded these funds.  This policy is necessary due to imposed state-mandated deadlines for universities to finalize reconciliation of all payments.

 

Zell Miller Scholarship Check-Points for Continued Eligibility

Students are evaluated to insure they attained a 3.3 GPA at the following checkpoints:

30 attempted semester hours

60 attempted semester hours

90 attempted semester hours

At the end of every Spring Semester 
(except for beginning Freshmen enrolled below full-time)

 

NOTE: Students can only lose their eligibility at the End-of-Spring check point. To regain eligibility, students must be at 30, 60 or 90 attempted hours checkpoint.

 

If the student does not maintain the 3.3 GPA requirement, but does have at least a 3.0 GPA, the student can be reviewed for HOPE Scholarship (see HOPE Scholarship information).

 

Zell Miller attempted hours include: All regular coursework attempted after high school graduation, non-credit course work (LSS and Regents), all attempted transfer coursework, withdrawals, and dropped courses.

 

Limit of Eligibility

Students are eligible to receive Zell Miller Scholarship for up to 127 attempted or paid hours, whichever is reached first.

Students are not eligible to receive Zell Miller Scholarship funds if they have attempted 127 semester hours or more, or have earned a baccalaureate degree.

Students are eligible for a combined payment maximum of 127 semester hours. Hours for which students received payment from Zell Miller Scholarship, HOPE Scholarship, HOPE Grant and, the Accel program (through Spring 2011) are included in calculating the total Paid hours.

A student may receive Zell Miller Scholarship until 7 years after his/her high school graduation date, Home Study program completion date, or date the student stopped pursuing a diploma.

 

Zell Miller Cumulative Grade Point Average (GPA) Calculation

Zell Miller GPA includes:

All earned grades (including both grades when a course is repeated)
Grades for non-credit coursework when given
Grades from all transfer work (even if courses are not accepted at GC)

Zell Miller GPA does not include:

Grades given of S, U, IP, W
Grades earned in college courses prior to high school graduation
Grades earned by examination (i.e., AP credit and CLEP)
Note: In some instances, the Zell Miller GPA may not be reflected on the student's official transcript.

Second Chance to Regain Zell Miller Scholarship

Students who lose Zell Miller Scholarship after 30 attempted hours or an End-of-Spring check-point may regain eligibility if they have a 3.3 GPA at the point of attempting 60 or 90 semester hours.  A student can lose and regain Zell Miller Scholarship ONLY ONE time. If the student does not maintain the 3.3 GPA, but does have a 3.0 or higher GPA, the student can be reviewed for HOPE Scholarship (see HOPE Scholarship information).

Non-Traditional Students

Students are eligible to receive Zell Miller Scholarship until 7 years from the date of the student’s high school graduation or home study completion. This expiration date will be June 30 of the seventh academic year. Please note:  The only exception to the 7 year eligibility limit are students who received HOPE Scholarship prior to Fall semester 2011. These students eligibility will expire on June 30, 2015.

 

For More Details:

HOPE Scholarship FAQ
How to Maintain the Zell Miller Scholarship
The official HOPE website

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

Scholarships for Entering Freshmen

Most scholarships available to entering freshmen are offered to students who are selected to participate in the annual Presidential Scholarship Competition. The competition for freshmen is held each year on a Friday in late November or early December. For online registration and more information please visit the official Presidential Scholarship Competition website. If you have additional questions, contact the Office of Admissions and New Student Programs at 478-445-0948.

Other scholarships offered to incoming freshmen, such as the Goizueta Foundation Scholarship, require a separate application.

For details, please visit:

Scholarships

Scholarships for Returning Students

Each year, students currently enrolled at Georgia College who plan to return the following academic year have the opportunity to apply for Scholarships for Returning Students. Note that these scholarships are not available to incoming freshmen or transfer students. The scholarship application is typically available late Fall Semester for the upcoming academic year with most deadlines being in mid-February. The Financial Aid Office notifies all enrolled students by e-mail when the application is available and when the final deadline will be each year.

General criteria for most of the Scholarships for Returning Students are as follows:

  • Full-time enrollment for Fall and Spring semesters (12 hours for undergraduate and 9 hours for graduate)
  • Completion of 24 hours for undergraduate/18 hours for graduate at Georgia College by the end of Spring Semester (students may apply before completion of these hours)
  • Minimum 3.0 cumulative GPA; however, these scholarships are competitive.

Students will be matched to scholarships based on their application answers. Please note that actual offerings for the upcoming academic year may change as funding is determined on a yearly basis.

For details, please visit:

Scholarships

Private Scholarships

Private Scholarships may come from a variety of sources. Check with your hometown civic organizations (such as Kiwanis Club, Elks Lodge, etc.), your place of worship, banks, credit unions, business organizations and other associations. They often have scholarships that are not advertised.

Many web-based search engines are available that enable students to search for personalized scholarship matches. The GC Financial Aid Department recommends  www.careeronestop.orgwww.fastweb.com and www.scholarshipexperts.com.  Additionally, GACollege411 offers a search engine for finding scholarships.  As with any web-based product, students are encouraged to protect themselves from potential scams by spending some time reviewing expert advice that can be found at FinAid.org.

Students who are awarded a scholarship from a source other than Georgia College should contact the Scholarship Coordinator in the Financial Aid Office for further information. Generally, private scholarships greater than $1000 are evenly divided between fall and spring semesters, while awards $1000 or less are applied in full to one semester, unless this conflicts with the scholarship donor's stipulations or federal aid regulations.

Scholarship checks should be made payable to Georgia College and mailed to: Georgia College Office of Financial Aid, 231 West Hancock Street, Campus Box 30, Milledgeville, GA, 31061.  For more information contact the Financial Aid Office at 478-445-5149, or e-mail your questions to financialaid@gcsu.edu.

 

Grants


Federal Pell Grants
The Federal Pell Grant is awarded only to students who have not earned a bachelor's or professional degree. (A professional degree is earned after earning a bachelor's degree in a field such as medicine, law, or dentistry.) To determine if you are eligible financially, the U.S. Department of Education uses a standard formula, established by Congress, to evaluate the information you report when you apply using the Free Application for Federal Student Aid. The formula produces an Expected Family Contribution (EFC) number. Your Student Aid Report (SAR) contains this number, in the upper right portion of page 1, and will tell you if you are eligible for a Pell Grant. Detailed information may be found at Student Aid on the Web.

Federal Supplemental Educational Opportunity Grants 
A Federal Supplemental Educational Opportunity Grant (FSEOG) is for undergraduates with exceptional financial need -- that is, students with the lowest EFCs -- and gives priority to students who receive Federal Pell Grants. An FSEOG does not have to be repaid. There is no guarantee every eligible student will be able to receive an FSEOG; students are awarded an FSEOG based on the availability of funds at the time financial aid awards are packaged at Georgia College. Detailed information may be found at Student Aid on the Web.

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

Federal Pell Grants

Federal Supplemental Educational Opportunity Grant (FSEOG) Program

Federal Work-Study (FWS) eligibility is based on established financial need and at least half-time enrollment. Jobs are located on campus and work schedules are planned around the student's class schedule. Community service positions are also available through the FWS program.  Detailed information may be found at Student Aid on the Web.

FWS money is not available at registration to pay for the student's fees. Students are paid on a bi-weekly basis for the actual hours worked. All FWS recipients will receive an Award Letter with the amount per semester the student is eligible to earn. The Student Employment Coordinator facilitates placement of students in specific positions.

See list of student employment opportunities.

Please contact the Financial Aid Office if you have any additional questions.

University Student Employment
  
The University Student Employment program provides additional opportunities for students to secure campus employment. While financial need is often not a factor, earnings under this program could affect other aid received. Students are interviewed and hired by various administrative offices, departmental offices, and other offices at the University.

See list of student employment opportunities.

Please contact the Financial Aid Office if you have any additional questions.

Federal Direct (Stafford) Loan Program 

Direct Loans are low-interest loans for students and parents to help pay for the costs of student's education after high school.  The lender is the US Department of Education rather than a bank or other financial institution. Eligibility for this loan program will be determined upon completion of the Free Application for Federal Student Aid (FAFSA).  Detailed information can be found at Student Aid on the Web.

Federal Direct Stafford Loans are made in the student's name and can be either subsidized or unsubsidized.

A subsidized loan is awarded on the basis of financial need. Students will not be charged any interest before they begin repayment or during authorized periods of deferment. The federal government "subsidizes" the interest during these periods. This loan must be repaid. Graduate Students are not eligible for subsidized loans.

An unsubsidized loan is not awarded on the basis of need. Students will be charged interest from the time the loan is disbursed until it is paid in full. Any interest that accumulates  will be capitalized-that is, the interest will be added to the principal amount of the loan and additional interest will be based upon the higher amount. This will increase the amount that will have to be repaid. Both undergraduate and graduate students are eligible for unsubsidized loans.

Under federal law, students must complete a Loan Entrance Counseling session before funds may be disbursed.  It is important that they know and understand their rights and responsibilities as student borrowers.  Please contact our office if you have any questions.

Further, you must complete a Master Promissory Note (MPN).  In most cases, students will sign only one promissory note that will be used for all loans at Georgia College.  Students may complete the MPN electronically at the Direct Loans website.  By signing the MPN, students are confirming their understanding that Georgia College may make new loans for the duration of their education (up to 10 years), without having to sign another MPN.  Each academic year, GC will disburse loan proceeds to student's accounts as indicated on the on-line Award Letter viewed from the GC Web Student Information System.

The deadline to apply for a Direct Loan is three weeks prior to the last day of class.

 

 
Federal Direct Loan (PLUS) Program

Direct Loans are low-interest loans for students and parents to help pay for the costs of student's education after high school.  The lender is the US Department of Education rather than a bank or other financial institution. PLUS Loans enable parents or graduate students with good credit histories to borrow monies. These funds are designated to help pay the educational expenses of students enrolled at least half-time (6 semester hours). The yearly limit on a PLUS loan is equal to the student's cost of attendance minus any other financial aid the student is receiving.

In order to receive the PLUS loan,  borrowers will need to complete an application and electronic master promissory note (MPN) at the Direct Loan website.

If a parent borrower is unable to secure a PLUS loan due to credit denial, the undergraduate dependent student may be eligible for additional unsubsidized loans to help pay for his or her education. Freshman and Sophomores may request up to an additional $4,000 for the year. Juniors and Seniors may request up to an additional $5,000. Students will need to complete the Stafford Loan application additional funds.  If the additional Stafford loan funds are borrowed, this will prevent our office from being able to later award a Parent PLUS loan due to an approved appeal or an endorser being obtained.

Repayment usually begins within 60 days after the final loan disbursement for the period of enrollment for which you borrowed. Students must have completed the Free Application for Federal Student Aid (FAFSA) for eligibility to be determined. Detailed information may be found at Student Aid on the Web.

The deadline to apply for a Direct Loan (PLUS) is three weeks prior to the last day of class.

 

Disbursement of Loan Funds
For all loan funds, students must be enrolled at least half-time (6 or more hours for undergraduate students and 5 or more hours for graduate students) in appropriate degree program courses.

 

Loan General Information and Interest Rates

 

FSA Student Loan Ombudsman

If at any time you experience problems with your lender or servicer, you can contact the Ombudsman's office for assistance. They can be contacted at 877-557-2575 and via fax at 606-396-4821.  The mailing address for this office is FSA Ombudsman Group, P.O. Box 1843, Monticello, KY 42633.

 

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

A limited number of graduate assistantships are offered to departments with graduate degree programs, as well as to other administrative offices.

Graduate assistants provide educationally beneficial assistance to the departments which award the assistantships. By policy, graduate assistantship duties should be relevant to students' major field of study and shall be of academic value.

Students are only eligible for the financial assistance provided by a graduate assistantship for two years (24 months) applicable to the completion of one graduate degree. Once a student has completed a graduate degree, whether that program of study required one year or two, the student is no longer eligible for a graduate assistantship.

Application Procedure
Applications for graduate assistantships should be directed to the graduate coordinator of the degree program to which the student has applied. Approval will be granted by the academic school dean, upon the recommendation of the chairperson or director of the hiring department, and the student's graduate coordinator.

Requirements
To obtain a graduate assistantship a student must meet the following requirements:

(1) Be approved for regular admission to a graduate degree program.

(2) Maintain academic good standing. If a student's grade point average falls below a 3.00 (academic warning), the student will have next semester or summer term to improve and return to good standing before termination of the assistantship. Should a student fail to return to good standing after the next semester or summer term, or should a student receive academic exclusion and be dismissed from the degree program, the assistantship will be terminated at once.

Graduate assistants are required to work between ten and twenty hours per week (depending on their contracts) for a total of 150-300 hours during the fall and spring semesters. Course loads for graduate assistants must be at least six graduate semester hours.

Orientation
All students who receive a graduate assistantship position may be required to attend an orientation session. During the orientation, important and key information will be provided regarding the policies and procedures of the assistantship program. The session is also an opportunity for the students to meet each other and ask any questions.

Notification of Approval
The graduate coordinator will send written notification when the student's recommendation for appointment has been approved. The letter of approval will contain the name of the department chairperson, dean, or director who will assign the work responsibilities and the amount of the stipend per semester. The supervisor will also receive a copy of the approval letter.

Fees
In lieu of the usual matriculation fees charged, all graduate assistants are required to pay a special matriculation fee of $25.00. MAT students receive 6 hours of tuition waiver. Ten-hour-per-week graduate assistants pay half the usual matriculation plus the special fee of $25.

The assistantship also allows the university to waive the out-of-state fees. The assistantship does not cover any of the student fees; therefore, the student is responsible for paying athletic, student activity, health, technology, parking and any laboratory fees. Residence hall and meal plan expenses are also the responsibility of the student.

Payments
Graduate Assistants will be paid one fourth of their stipend on each of the payroll dates determined by the Office of Fiscal Services.

Student Insurance 

Students in the categories listed below are required to have insurance. Students who are not covered by a policy held by a parent, spouse, company or organization on the approved waiver list (Organizations and Agencies Approved Waivers) or if the policy does not meet the minimum standards, must purchase the USG SHIP policy. Students with individual or
association plans will not be considered for a waiver. For additional detailed information regarding the Student Health Insurance program, visit the University System of Georgia Web site.

All graduate students receiving a Full or Partial Tuition Waiver as part of their graduate assistantship award.
All graduate students enrolled in programs that require proof of health insurance.
All graduate students receiving fellowships that fully fund their tuition.