Adult Division: 330-729-4100

High School: 330-729-4000

STEM+ME2: 330-729-4000 Ext.1207

7300 North Palmyra Rd.
Canfield, OH 44406

MCCTC Financial Aid Information

Career Programs Six Hundred or More Hours

Programs 600 or more hours are eligible for the following financial assistance opportunaties:

Federal Pell Grant

The free application is available online at www.fafsa.ed.gov. Please include our Federal School Code is 017282 on your FAFSA application. You must create a FSA ID in order to complete your FAFSA application.

Eligibility is determined by Title IV guidelines. An award letter itemizing the student's financial arrangements is given to the students for approval prior to disbursing any funds. Pell grant monies are applied to a student's account each payment period as long as the student has maintained satisfactory academic progress.

More Information

Federal Student Loan Program

These are interest-bearing loans which must be repaid regardless of course completion. Loans made by the federal government, called federal student loans, usually offer borrowers lower interest rates and have more flexible repayment options than loans from banks or other private sources.

Veterans’ Education Benefits

Veterans or immediate family members may be eligible for assistance through the Veterans Administration. For eligibility information or to apply contact the Mahoning Veterans Service Office at 330-740-2451 or apply online at www.gibill.va.gov.

More Information

Workforce Investment Act Assistance

Mahoning County Ohio Means Jobs (OMJ) will assist qualified applicants with this process. Call 330-965-1787 for more information.

Apply through the Ohio Means Jobs (OMJ) located in your county. Funds are disbursed according to agency policy. Call your local OMJ at the number listed below for more information or to find out how to apply.

School Payment Plan

A school payment plan can be established for monthly payments of tuition and school-related expenses. No interest is charged for the payment plan. An application is available in the Adult Business Office.

Scholarships

Some professional organizations, foundations, and employers offer scholarships for continuing education. Check with these organizations or your employer.

Allow 4-6 weeks to process applications and related paperwork connected with financial aid.

Career Programs Less Than Six Hundred

Programs less than 600 hours are eligible for the following financial assistance opportunities:

School Payment Plan

A school payment plan can be established for monthly payments of tuition and school-related expenses. No interest is charged for the payment plan. An application is available in the Financial Aid Office.

Workforce Investment Act Assistance

Mahoning County Ohio Means Jobs (OMJ) will assist qualified applicants with this process. Call 330-965-1787 for more information.

Apply through the Ohio Means Jobs (OMJ) located in your county. Funds are disbursed according to agency policy. Call your local OMJ at the number listed below for more information or to find out how to apply.

Scholarships

Some professional organizations, foundations, and employers offer scholarships for continuing education. Check with these organizations or your employer.

Federal Direct Loans

Loans made by the federal government, called federal student loans, usually offer borrowers lower interest rates and have more flexible repayment options than loans from banks or other private sources. A student who wishes to receive a Federal Direct Loan must complete a Free Application for Federal Student Aid (FAFSA) and must sign a Master Promissory Note (MPN) — a legally binding agreement to repay the loan. Loan recipients are also required to complete loan entrance and loan exit counseling sessions — both are tools to ensure the student understands his/her obligation to repay the loan. Entrance counseling must be completed prior to the student receiving the loan proceeds. Exit counseling must be completed prior to the final loan disbursement or when a student leaves school. Loan counseling can be completed at www.studentloans.gov. Loans are either subsidized or unsubsidized. Maximum subsidized and unsubsidized amount is $5,500 (1st year) for dependent students and $9,500 (1st year) for independent students. Maximum loan amounts are prorated for all programs 600-899 hours.

Direct Subsidized Loan

Based on need, repayment normally begins six months after the student leaves school. The Federal Government pays the interest while the student is in school. Maximum amount is $3,500 (1st year) for both dependent and independent students.

First-time borrowers on or after July 1, 2013 are subject to the 150% subsidized loan limitation. When a student has received subsidized loans for 150% of the published time of the current or upcoming educational program the student may not receive any additional subsidized loans for that program or any program of equal or lesser length. A student who loses eligibility for additional subsidized loans may also lose subsidy on previous unsubsidized loan(s).

Direct Unsubsidized Loan

Not need based and repayment normally begins six months after you leave school. Borrower is responsible for interest during entire life of the loan. Maximum amount is $2,000 (1st year) for dependent student and $6,000 (1st year) independent student.

Interest Rates

For loans disbursed between 7/1/2017 and 6/30/2018:
Subsidized - 4.45% fixed
Unsubsidized - 4.45% fixed
Interest rates change every year on July 1. For more information contact the Financial Aid Administrator or refer to www.studentloans.gov.

Direct Loan Fees

Direct Subsidizeds and Direct Unsubsidized Loans with a first disbursement date on or after October 1, 2016 and before October 1, 2017 will have a loan fee of 1.069%.

Considering a Federal Direct Student Loan? Click here for additional information to "Help You Borrow Wisely."

Maximum Timeframe to Complete

The maximum timeframe of completion to remain eligible for financial aid is 111.11% of the published length of a program (100 / 90% = 111.11%). For example, a program published length of 45 weeks must be completed in 50 calendar weeks (45 x 111.11% = 49.99).

Pace of Completion

All students must successfully complete at least 90% of their cumulative attempted clock hours to stay on pace with the maximum timeframe requirements. Attempted clock hours are the hours a student attends each payment period. Pace of progress is measured by taking the cumulative clock hours successfully completed by the student divided by the number of cumulative clock hours the student attempted through the end of the payment period or period of enrollment.

Financial Aid Questions?

Contact: Kim Chaney, Financial Aid Administrator

330-729-4100 ext.: 1902

Financial Aid Videos

Be sure to watch these short videos to learn about your responsibilities as a federal student loan borrower and what you should expect:

Provided by StudentAid.gov.

Financial Aid Resources:
Consumer Information

Information on completion/graduation rates can be viewed on-line by clicking the Program link below. Campus security and drug/alcohol abuse policy is located in the Student Consumer Handbook (see next section).

Financial Aid Standards of Academic Progress (FA-SAP)

Any student receiving Title IV funds such as a Pell Grant and/or a Direct Student Loan must maintain requirements regarding attendance and academic progress. Failure to maintain these requirements will place the student in jeopardy of losing federal financial aid until action is taken to regain eligibility. Satisfactory academic progress (SAP) is determined by both attendance/pace of progress criteria (90% or better) and academic average criteria (75% or higher). To be considered eligible for Title IV funds, students must qualify both quantitative (attendance) and qualitative (academically).

For financial aid purposes, satisfactory progress for clock hour programs is evaluated at the point where the student’s scheduled clock hours for the payment period have elapsed, regardless of whether the student attended them. A student not meeting standard academic progress at the end of a payment period will be placed on Warning Status for one payment period. Students who fail to make satisfactory progress after the warning period lose their aid eligibility. A student whose financial aid eligibility is terminated may submit an appeal to the Financial Aid office. A student whose appeal is approved will have financial aid eligibility reinstated on a Probationary basis for a maximum of one payment period. Determination of warning and/or probation is based upon a cumulative average of the academic and attendance status. Students will be sent written notification if their status changes as a result of the SAP evaluation.

According to school policy, tuition and fees no longer funded due to loss of aid eligibility are the student’s responsibility to pay.

FA-SAP terms:

Warning: Status assigned to a student who fails to meet satisfactory academic progress requirements. A warning is issued at the end of a payment period. Warning status lasts for one payment period only. Students who fail to make satisfactory progress after the warning period lose their aid eligibility unless they successfully appeal and are placed on probation.

Appeal: Formal process by which a student requests a review of the circumstances that have resulted in the student not working toward successful completion of coursework and losing eligibility of Federal financial aid.

Probation: A status the school assigns to a student who is failing to make satisfactory academic progress and who successfully appeals and is working on an academic plan. Probation period cannot exceed one payment period.

Financial Aid Appeals Process

When a student loses FSA eligibility because he failed to make satisfactory progress he may appeal that result on the basis of undue hardship or mitigating circumstances. A financial aid appeal can be made by the student to the Financial Aid Office for a review of circumstances. Each case will be reviewed on an individual basis considering attendance, hours to complete, and grades.

Financial aid appeals must be written or typed and signed by the student and include supporting documentation. The appeal must explain why he failed to make satisfactory progress and what has changed in his situation that will allow him to demonstrate satisfactory academic progress at the end of the next payment period. The financial aid appeal must be submitted to the Financial Aid Administrator within five (5) days of notification of ineligibility of aid. The Financial Aid Administrator will meet with the school administratorsand others as necessary to discuss the circumstances of the appeal and develop an academic plan if the appeal will be approved. The academic plan will outline the process/timeframe/work assignments necessary for the student to regain SAP and financial aid eligibility. No more than 40 clock hours can be made-up in the academic plan.

If a student’s appeal is approved the student must agree in writing to the academic plan. The student will be placed on financial aid Probation Status. The student will be permitted to make up assignments and tests as per the academic plan. These grades will be taken into consideration when calculating a student’s academic grade average. The school will monitor the student’s compliance with the plan. The student is considered eligible for Title IV funds while meeting the terms of the plan. If the student does not meet SAP (academic and attendance) requirements according to the timeframe and requirements of the academic plan, termination of aid eligibility will result.

If the appeal is not granted or the student does not agree to the academic plan, termination of aid eligibility will result.

If a student is granted a financial aid appeal, only one financial aid appeal will be granted during the program length.

Grounds for Financial Aid Appeal

Mitigating Circumstances: A financial aid appeal must be based on an undue hardship or mitigating circumstances which make it impossible for the student to meet the satisfactory academic progress requirement. Mitigating circumstances are defined as and limited to: death in the immediate family, hospitalization of the student, documented medical problems or other special circumstances such as work-related transfers, natural disasters, weekend military service and family emergencies. Mitigating circumstances are events outside of the student’s control and are unavoidable. The appeal must be supported with appropriate written documentation from legitimate sources. Students who accumulate excessive absences for life experiences such as transportation problems, child care problems, routine doctor’s appointments, occasional illness, etc. will not be awarded an appeal. Students must anticipate these situations and be prepared for them before they occur.

Student Consumer Handbook

Information on school policies regarding a student's rights and responsibilities, available financial assistance, institutional policies, completion/graduation rates, student code of conduct, campus security and drug/alcohol abuse policy is located in the Student Consumer Handbook. The Handbook is distributed to each new student during the required Orientation Session.

Click here to view the Student Consumer Handbook on-line.

Withdrawal and Refund Policy

Students may withdraw from a Career Certification Program by notifying the Program Administrator in writing. Students already attending classes must submit their written notification within seven (7) days of their last day in attendance. Upon receipt of written notification of withdrawal the following prorated refund policy will apply:

Full-Time Credential Programs (600 hours or more):

Timeframe Amount Charged
Prior to 1st Day Withdrawal fee, plus registration fee
1st Day – 30 Scheduled Hours 25% of total program tuition and fees, plus books supplies and tools
31-60 Scheduled Hours 50% of total program tuition and fees, plus books, supplies and tools
61-90 Scheduled Hours 75% of total program tuition and fees, plus books, supplies and tools
91 or more Scheduled Hours 100% of total program tuition and fees, plus books, supplies and tools

Credential Programs (below 600 hours):

Timeframe Amount Charged
Prior to 1st Scheduled Day Withdrawal fee, plus registration fee
Prior to 3rd Scheduled Day 50% of total program tuition and fees, plus books, supplies and tools
On or after 3rd Scheduled Day 100% of program tuition and fees, plus books, supplies and tools

When calculating refunds, failure to submit written notification of withdrawal will result in the Adult Career Center waiting 10 calendar days from your last day in attendance to officially withdraw you from the program and defining that 10th day as your official withdrawal date.

The refund process of any credit balance can take up to 14 days from the school’s determination of withdrawal and the date the credit balance occurred on the student’s account. Refund checks will be mailed to the student unless other arrangements are made at the time of withdrawal.

Please Note:
• The term “withdraw” defines any reason for a student leaving school, whether it is initiated by the student or by the school.
• The term “total program tuition” defines the program in its entirety (start date to end date), not per payment period.
• The only mark given for withdrawing from a certification program after classes have begun is a “W.”

Students receiving the Pell Grant, Direct Student Loans and/or other financial assistance who withdraw or are terminated from a Career Certification Program may no longer be eligible for the full amount of financial assistance he/she was originally scheduled to receive. Though a student’s aid is determined prior to the start of each payment period, the student earns the funds as he completes the period. When a student is withdrawn, the student may not have earned the full amount of Title IV funds that he was originally scheduled to receive. The student earns his Title IV funds by successfully attending classes. If the student received less assistance than the amount that he earned, he may be able to receive those additional funds. If the student received more assistance than he earned, the excess funds must be returned by the school and/or the student upon leaving school. This means the student may end up owing money to the Adult Career Center MCCTC and/or the Department of Education. Therefore students planning to withdraw should schedule an appointment with the Financial Aid Administrator before exiting the program to discuss their aid eligibility and financial responsibilities.

Regardless of circumstances, students receiving Title IV funds that are withdrawn or terminated from a Pell eligible program are subject to the U.S. Department of Education’s Return of Title IV Funds Policy (see the Student Consumer Handbook - Addendum A, Financial Aid Procedures). Title IV eligibility is calculated based on the student's last day in attendance; students receiving Veterans Benefits or other third party agency (e.g., TAA, WIA, MCTA) funding are subject to the return of funds policy governing that agency. For information on policies governing Veterans Benefits call the Department of Veteran Affairs Education Customer Service Office at 1-888-442-4551. For information on the return of funds policies governing specific funding agencies contact your case manager.

When calculating Title IV funds, the official withdrawal date will be the last day of classroom attendance as indicated on the classroom sign-in sheet. The amount of assistance that the student has earned is determined on a pro rata basis. For example, if he completed 30% of the payment period, he earned 30% of the assistance he was originally scheduled to receive. Once the student has completed more than 60% of the payment period, he earns all the assistance that he was scheduled to receive for that period.

If the student did not receive all of the funds that he earned, the student may be due a post-withdrawal disbursement. If the post-withdrawal disbursement includes loan funds, the school must get the student’s permission before it can disburse them. The student may choose to decline some or all of the loan funds so that he doesn’t incur additional debt. The school may automatically use all or a portion of the student’s post-withdrawal disbursement of grant funds for tuition, fees, and room and board charges (as contracted with the school). The school needs the student’s permission to use the post-withdrawal grant disbursement for all other school charges. If the student does not give permission, the student will be offered the funds. However, it may be in the student’s best interest to allow the school to keep the funds to reduce the student’s debt at the school.

There are some Title IV funds that the student may have been scheduled to receive that cannot be disbursed once the student withdraws because of other eligibility requirements. For example, if the student is a first-time, first-year undergraduate student and has not completed the first 30 days of the program before withdrawing, the student will not receive any Direct Loan funds that he would have received had he remained enrolled past the 30th day.

If the student (or school) receives excess Title IV program funds that must be returned, the school must return a portion of the excess equal to the lesser of:
• The student’s institutional charges multiplied by the unearned percentage of his funds, or
• The entire amount of excess funds.
The school must return this amount even if it didn’t keep this amount of the student’s Title IV program funds. If the school is not required to return all of the excess funds, the student must return the remaining amount.

Any loan funds that the student must return, the student will repay in accordance with the terms of the promissory note. That is, the student will make scheduled payments to the holder of the loan over a period of time. It is also the student’s responsibility to complete federal loan exit counseling online at www.studentloans.gov.

Any amount of unearned grant funds that the student must return is called an overpayment. The maximum amount of a grant overpayment that the student must repay is half of the grant funds received or were scheduled to receive. The student does not have to repay a grant overpayment if the original amount of the overpayment is $50 or less. The student must make arrangements with the school or the Department of Education to return the unearned grant funds.

The requirements for Title IV program funds when the student withdraws are separate from any refund policy that the Adult Career Center has. Therefore, the student may still owe funds to the school to cover unpaid institutional charges. The school may also charge the student for any Title IV program funds that the school was required to return. It is the student’s financial responsibility to pay any remaining balance to the ACC within 30 days of notification for the total program tuition based on the school’s refund policy. Please see the section titled “Withdrawal and Refund Policy” found earlier in this Student Consumer handbook for the Adult Career Center’s refund policy and procedures for officially withdrawing from the Adult Career Center.

MCCTC

7300 North Palmyra Rd., Canfield, OH 44406 • High School - 330-729-4000 • Adult Division - 330-729-4100

Governing Board Members

  • Attorney David Engler, President
  • Attorney Kathi McNabb-Welsh, Vice President
  • Mr. Richard S. Scarsella, Board Member
  • Richard Gozur, Board Member
  • Mr. Ronald Carcelli, Board Member
  • Mrs. Marie Dockry, Board Member
  • Michael Stanko, Board Member

Additional Board Information

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