The Office of Financial Aid
How is my eligibility for financial aid determined?
When we receive your FAFSA information, a CCSJ Financial Aid staff member will review your application to determine your eligibility for federal, state, and institutional aid. To calculate your financial aid need, your total expected family contribution (EFC) is deducted from your student budget/cost of attendance.
Where can I find a FAFSA form?
CCSJ no longer maintains paper FAFSA copies. We encourage all students to apply online through the FAFSA website: www.fafsa.ed.gov.
What is the State of Indiana’s FAFSA filing deadline?
Whose income do I use for the FAFSA if my parents are divorced or separated?
You must provide the income of the parent you lived with for the majority of the previous year (custodial parent). If your custodial parent is remarried, you must report your step-parent’s income and assets as well.
What is CCSJ’s school code for FAFSA purposes?
What is EFC?
EFC, also known as “expected family contribution,” is a measure of how much the student and his or her family can be expected to contribute towards the cost of the student’s education. It is determined based on the information provided on the FAFSA and calculated from a specified formula in accordance with federal guidelines. If you have any questions on determining your EFC, you may use the College Cost Calculator.
Do I have to apply for financial aid every year?
Yes, if you would like to be considered for any form of state, federal or institutional financial aid, you must complete a FAFSA each year that you are enrolled at CCSJ.
I don’t live with my parents and they do not support me. Does that make me Independent?
Living on your own and supporting yourself does not make you Independent for FAFSA purposes. In order to file as an Independent student you must be able to answer yes to at least one of the following questions for the 2012 - 2013 school year:
Were you born before January 1, 1989?
Are you married as of the date you completed your FAFSA?
At the beginning of the 2012-2013 school year, will you be working on a master’s or doctorate program?
Are you currently serving on active duty in the U.S. Armed Forces for purposes other than training?
Are you a veteran of the U.S. Armed Forces?
Do you have children who will receive more than half of their support from you between July 1, 2012 and June 30, 2013?
Do you have dependents (other than your children or spouse) who live with you and who receive more than half of their support from you, now and through June 30, 2013?
At any time since you turned age 13, were both your parents deceased, were you in foster care or were you a dependent or ward of the court?
As determined by a court in your state of legal residence, are you or were you an emancipated minor?
As determined by a court in your state of legal residence, are you or were you in legal guardianship?
At any time on or after July 1, 2011, did your high school or school district homeless liaison determine that you were an unaccompanied youth who was homeless?
At any time on or after July 1, 2011, did the director of an emergency shelter or transitional housing program funded by the U.S. Department of Housing and Urban Development determine that you were an unaccompanied youth who was homeless?
At any time on or after July 1, 2011, did the director of a runaway or homeless youth basic center or transitional living program determine that you were an unaccompanied youth who was homeless or were self-supporting and at risk of being homeless?
How will I be notified about my financial aid?
Once you have been accepted to CCSJ and we have received your FAFSA, your eligibility for federal, state, and institutional aid will be determined. Within a week, you should receive a link to your online award letter via your CCSJ student email account. You will also be mailed this information at the end of the month. Requests for further documentation (such as Verification documentation) and additional instructions will also be sent to you. Your award letter and a list of any requested/missing documents can also be viewed via SOS (Student Online Services) if you are a current student.
My father was laid off from his job after I filed the FAFSA. What should I do?
The CCSJ Office of Financial Aid can take this into consideration and possibly make adjustments to your financial aid. You are encouraged to fill out a Special Circumstances Form for any special circumstances that have occurred with your family and submit it to our office with supporting documentation.
What is the Verification process?
Verification is a process used by the federal government to document and verify the information provided on the FAFSA. If you are selected for verification, CCSJ will compare the information on your FAFSA with signed copies of your and your parent(s)’ and/or spouse's federal tax documentation and other documents. Federal law states we have the right to ask for this information before awarding federal aid. If there are differences between your FAFSA information and your financial documents, we will need to make corrections. Verification worksheets are available on our Financial Aid Forms page.
What is the difference between estimated and final on my award letter?
Final awards are ready to be disbursed to your student account.
Estimated awards are pending awards. Reasons for having estimated awards include but are not limited to: incomplete verification status; packaged loans for which you have not filled out loan paperwork; estimated work study eligibility; you have not registered for classes.
All awards, final and estimated are subject for revision based on eligibility and other financial aid.
Why hasn’t my aid been finalized?
There are many reasons as to why your financial aid may not be finalized. Some are listed below. If you have any questions as to why your financial aid is not finalized, contact the CCSJ Office of Financial Aid.
You have not completed a FAFSA.
You have not completed Verification. (When you are selected for verification, an email and a letter will be sent to you stating that you were selected for Verification and telling you the information required. You may also get the worksheet here.)
There are errors on your FAFSA. (You should have received a letter stating the errors and how to fix them. Contact the CCSJ Office of Financial Aid if you have any questions.)
You have not applied for a loan.
You have not registered for class.
Why have I received a revised award letter from CCSJ?
A revised award letter is sent to you each time a change is made to your financial aid. Financial aid changes include adding, subtracting, increasing, or decreasing an award or multiple awards. Also, a change in award status: estimated to final, for example, will be reflected in a revised letter.
When will I receive a financial aid refund?
If you are due a refund once your tuition and fees (and books if applicable) have been paid by the application of financial aid funds, you may pick-up a refund check in the CCSJ Business Office. See the Important Dates section for disbursement dates. (Refunds are processed approximently one week later). If you do not pick up your refund check in person at the CCSJ Business Office, the check will be mailed to the address with which you have provided the CCSJ Office of the Registrar. IMPORTANT – Remember that only finalized financial aid is applied to your account at the time of disbursement.
How do I obtain a Work Study job?
The Federal Work Study Program is a campus-based program with a limited allocation that provides paid jobs for eligible students. An estimated Federal Work Study award amount will be listed on your CCSJ financial aid award letter if you indicated interest in this program on the current year FAFSA and have demonstrated financial need. To apply you may either pick up an application from the CCSJ Office of Financial Aid or complete an application online.
What is a Book Voucher?
If a student enrolled in a traditional program has finalized financial aid that is greater than his/her student balance for a given term, then the student is eligible for a book voucher. The book voucher is used to pay for books and required supplies from the CCSJ Bookstore. The total amount purchased at the bookstore is then applied to the student bill and deducted from the student's refund. Any remainder will be refunded to the student.
Book Voucher Example
(Full time student with 12 credit hours)
Student's Financial Aid
Authorized Book Voucher
Unused Book Voucher (added to refund)
*Amount of book voucher credit is $50 x # of credit hours for the term. (Not to exceed the total refund amount from Financial Aid).
What is the difference between Subsidized and Unsubsidized Stafford Loans?
Subsidized Stafford Loan
Federally based loan program with eligibility determined based on cost of attendance, year in school, dependency status, and need. Interest (6.8% as of July 1, 2012) is paid by the federal government while the student is in attendance taking at least 6 credit hours. Repayment begins 6 months after the student stops attending school at least half time, graduates, or ceases enrollment..
Unsubsidized Stafford Loan
Federally based loan program with eligibility NOT tied to need. Maximum eligibility is set by the federal government based on cost of attendance, year in school, and dependency status. Interest (6.8% as of July 2006) payments are the responsibility of the student as soon as the funds are disbursed, but may be deferred until repayment begins. Repayment begins six months after the student stops attending school at least half time, graduates, or ceases enrollment..
When do I need to fill out a loan application?
In general, you will need to fill out a loan application each year after completing the FASFA and receiving your award letter. Depending on the term you select on your loan application, and your financial aid package, you may have to complete a new loan application each smester.
Do I have to make an appointment to get financial aid?
No, but you are encouraged to meet with a financial aid staff member at least initially to understand the financial aid process and address any questions you may have. CCSJ accepts student visitors on a walk in basis.
What are the costs for CCSJ for 2012-2013?
Tuition and Fees
Financial Aid Resources
Contact Information Office of Financial Aid
Monday, Thursday, Friday: 8:30 A.M. - 5:00 P.M.
Tuesday, Wednesday: 8:30 A.M. - 7:00 P.M.
Telephone: (219) 473-4296 (Indiana)
(773) 721-0202, Ext. 296 (Illinois)
1-877-700-9100 (Toll Free)
FAX: (219) 473-4340