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Types of Aid

Financial Aid Programs


Federal Pell Grant

The Federal Pell Grant is available to students who have demonstrated the highest calculated need. It is estimated that this award will range between $602 and $5,550 for full-time study for the 2012-13 aid year. The Expected Family Contribution (EFC) calculated from the Free Application for Federal Student Aid (FAFSA) determines this award.

Federal Supplemental Educational Opportunity Grants (SEOG)

The Federal Supplemental Educational Opportunity Grant is awarded to Federal Pell Grant recipients who have demonstrated the highest calculated need. The average award for full-time students is $1,000. Funds are limited and subject to availability.

Federal Work-Study

The Federal Work-Study award provides employment opportunities in various campus offices. Work-Study awards are offered to students with financial need. Students are paid at an hourly rate and receive paychecks every two weeks for the hours worked. Work-Study will not be credited to the student's account. The average award for Federal Work-Study is $2,500 per academic year.

William D. Ford Federal Direct Student Loan Program (Stafford Loans)

The William D. Ford Federal Direct Student Loan Program (Stafford Loans) provides low-interest long-term loans to students for education expenses. The lender of these loans is the federal government and repayment is to the U.S. Department of Education. The Federal Direct Subsidized Student Loan is awarded to students with financial need. The Subsidized loan has a fixed interest rate of 3.4% through June 30, 2012 and a fixed interest rate of 6.8% for loans disbursed on or after July 1, 2012. The Subsidized loan does not accrue interest while the student is enrolled at least half-time. The Federal Direct Unsubsidized Student Loan has a fixed interest rate of 6.8%. A 1% fee is charged. Loans disbursed for 2011-12 and summer study prior to 7/1/12 will be eligible for a .5% fee rebate. The award for a first year student is $5,500. Second year students can receive $6,500 and other undergraduates are eligible for $7,500. Additional loan funds are available for borrowers who are independent of parent by the Department of Education standards or whose parent has received a PLUS Loan denial ($4,000 for first and second year students, $5,000 for third and fourth year students). Repayment begins six months after half-time enrollment ceases.



New Jersey State Grants

NJ Stars The New Jersey Student Tuition Assistance Reward Scholarship (NJ STARS) Program is an initiative created by the State of New Jersey that provides New Jersey’s highest achieving students with free tuition at their home county college. The NJ STARS award covers the cost of tuition, less any State and/or Federal grants and scholarships, for up to five semesters. The award covers these charges for up to 18 credit hours per semester.

TAG (Tuition Aid Grant) TAG awards may cover up to the cost of tuition

NJ Stars (New Jersey Stars is a scholarship program exclusively for New Jersey and covers tuition costs). Students must graduate at the top 15% and completed a rigorous series of high school coursework as determined by the New Jersey Commission on Higher Education.

Educational Opportunity Fund Program (EOF) awards range from $200 to $2,500 per academic year. These grants are renewable based on continued eligibility.

Garden State Scholarship Program The State's merit-based scholarship program recognizes academic excellence and encourages applicants to continue their education at New Jersey's Colleges and Universities. There are two types of scholarships -- Edward J. Bloustein Distinguished and Urban Scholars. Both offer annual scholarship awards up to $1,000. Students do not apply directly for scholarship consideration. By October 1 each year, participating high schools provide HESAA with the names and junior class standings for all potentially eligible students. Students are notified of eligibility during November/December of their senior year in high school.

Scholarships (Middlesex County College and Private Scholarship Opportunities)

Middlesex County College Scholarship Opportunities Students should access the Scholarship Home page on the Middlesex County College website at: http://www2.middlesexcc.edu/scholarships.html

Private Scholarship websites include:

www.collegeboard.com, www.finaid.org, www.fastweb.com

Outside Scholarships Many organizations award scholarships. If a student's family is affiliated with a community or religious organization, the organization may be contacted to see if it offers scholarships. Many companies will help employees or children of employees finance their education. Students may contact their employer or their parents' employers and ask if they have tuition assistance programs.

Access the Middlesex County College's Foundation page for more information.