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Types of Financial Aid

*Note: A student must be enrolled as a regular student in an eligible program to receive federal student aid funds. A regular student is someone who is enrolled or accepted for enrollment to Clayton State University for the purpose of obtaining a degree or certificate. Students admitted as post-baccalaureate students into the category of non-degree/certificate students are not eligible for federal student aid funds because these students are taking courses for career development or personal enrichment only and are not seeking a degree or certificate from Clayton State University.

"Need" is determined for all programs by the following formula: Cost of Attendance minus EFC - outside resources - gift aid - federal work-study - Subsidized Stafford Loans - Unsubsidized Stafford Loans - Parent PLUS Loan - private loans.

Zell Miller Scholarship, HOPE Scholarship, HOPE Grant

HOPE -- Helping Outstanding Pupils Educationally -- is Georgia's scholarship and grant program that rewards students with financial assistance in degree, diploma, and certificate programs at eligible Georgia public and private colleges and universities, and public technical colleges.

Eligibility is contingent upon your maintaining at least a 3.3 GPA for Zell Miller Scholarship, a 3.0 GPA for HOPE Scholarship, or a 2.0 GPA for HOPE Grant. GPA is re-evaluated every spring semester and once you have attempted 30, 60 and 90 semester credit hours until you reach a maximum of 127 paid or attempted hours (63 paid hours for HOPE Grant). If you are advanced funds for a subsequent semester then lose eligibility, you will be required to pay your own fees. View more detailed Zell/HOPE information.

Iraq and Afghanistan Service Grant

Beginning with the 2010-11 award year, a student who is not eligible for a Pell Grant but whose parent or guardian was a member of the U.S. Armed Forces and died as a result of service performed in Iraq or Afghanistan after September 11, 2001 may be eligible to receive the Iraq and Afghanistan Service Grant.

Pell Grant The U.S. Department of Education uses a standard formula to evaluate Pell Grant eligibility by the information a student supplies on the Free Application for Federal Student Aid (FAFSA). This formula produces an EFC (expected family contribution) number, which will determine if the student is eligible for the grant. Applicants must be undergraduate students who have not earned a bachelor's degree.

The Consolidated Appropriations Act of 2012 limits the receipt of a Pell Grant to a LIFETIME limit of 600%, which is 12 full-time semesters of study.

A student who has received 600% (the equivalent of 6 full year awards or 12 semesters) of Federal Pell Grant will no longer be eligible for the Pell Grant. This includes community colleges, vocational schools, and four year public and private universities. The US Department of Education will track the limit. Students who have earned a Bachelor’s Degree remain ineligible for Pell even if the 600% eligibility has not been reached.

How this affects you: When you receive the Pell grant for full-time study, you use 50% of the award per semester. This means that after your first full-time semester, you have used 50%; after your second full-time semester, you have used 100%; after your third full-time semester, you have used 150% and so on until you reach 600%. Part-time attendance is prorated based on credits enrolled.

You can log on to National Student Loan Data System (NSLDS) Student Access Web site using your Federal Student Aid PIN and view your LEU. The LEU will be found on the Financial Aid Review page.

Additional information can be found here.

Parent PLUS Loan - William D. Ford Direct Loan Program Parents of dependent students may be eligible to borrow money through the PLUS Loan Program. To be eligible to receive a PLUS Loan, your parents will be required to pass a credit check. If you are interested in a PLUS Loan, you should notify the Office of Financial Aid.

GRADPLUS Loan Graduate students may be eligible to borrow money through the GRADPLUS Loan Program. To be eligible to receive a GRADPLUS Loan, you will be required to pass a credit check and you will be required to borrow all of your unsubsidized Stafford Loans prior to borrowing through the GRADPLUS program. If you are interested in a GRADPLUS Loan, you should notify the Office of Financial Aid.

Stafford Loan - William D. Ford Direct Loan Program All students completing a FAFSA will be awarded a Stafford Loan based on individual eligibility. The amount and type of loan will depend on your classification (freshman, sophomore, etc.), whether you are a dependent or independent student and your program of study. Additional loan information can be found here.

Student borrowers have certain rights and responsibilities as established by the Department of Education.

Private Loans Private student loans are credit-based loans with less favorably terms and conditions than federally funded student and parent loans.

Student Access Loan (SAL) Georgia residents undergraduates may apply for a low interest state loan through this program. Recipients are selected by a random drawing by GSFC, and the school determines the amount the student can borrow which cannot exceed their Cost of Attendance minus any estimated financial assistance.

Supplemental Educational Opportunity Grant (SEOG) The Supplemental Educational Opportunity Grant (SEOG) is a federally funded grant awarded to undergraduates with exceptional financial need. This grant is awarded first to those who have been officially accepted to Clayton State and are receiving the maximum Pell Grant.

The majority of the funds (80%) are awarded for Fall/Spring semester with the remaining funds (20%) being held for students who enter in the spring semester. Funds are extremely limited, and there is no guarantee that all eligible students will receive the grant.

Work Study Program The Federal Work-study Program gives students an opportunity for part-time positions. Work-study funds are limited, and the awarding of work-study depends on the availability of funds. View information on the Clayton State University Work-Study Program.