Tompkins Cortland Community College

Enrollment Services

Financial Aid

170 North St, P.O. Box 139, Dryden, NY 13053

Regular Hours

Monday
8:30 a.m.–4 p.m.
Tuesday
8:30 a.m.–6 p.m.
Wednesday
8:30 a.m.–3 p.m
Thursday
9 a.m.–4 p.m
Friday
8:30 a.m.–4 p.m

Room 101
607.844.6580
607.844.6538 (fax)
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Tompkins Cortland

Types of Financial Aid Programs

Eligibility for all federal student aid programs is determined by the FAFSA.  Federal student aid is available in the form of grants, loans and work-study. A federal grant does not have to be repaid.  Pell Grant and SEOG are federal grants available to Tompkins Cortland students.  A federal student loan is money you borrow and must pay back with interest.  There are three types of federal student loans available to Tompkins Cortland students; subsidized, unsubsidized and parent loans.  Federal work-study provides part-time employment opportunities for students to work on campus when they are not attending class.

Students who are residents of New York State may apply for tuition assistance through the TAP or APTS programs.  New York also offers merit based scholarships, aid to eligible Native American students, and incentive programs for students studying in certain STEM programs.  A partial list of New York State aid programs is included on this site.  The programs listed here are ones that the College students have frequently used.  A complete list of New York State aid programs is available.

Federal Student Aid Programs

Federal Pell Grant

The Pell Grant is free money ranging from $590 to $5815 for the academic year.  It is awarded to matriculated students with an Estimated Family Contribution (EFC) of 5201 or less.  Awards vary and are based on your enrollment status and class attendance.  Pell Grant eligibility is determined by the FAFSA.  Students may receive a maximum of twelve full-time semesters of Pell Grant funding as an undergraduate. Students who have already earned a bachelor’s or graduate degree are not eligible for Pell Grant.  Learn more about the Pell Grant.

Federal Supplemental Educational Opportunity Grant (FSEOG)

FSEOG is a free money given to Pell Grant recipients who demonstrate exceptional financial need.  Funds are very limited in this program.  Learn more about FSEOG.

Federal Direct Student Loans

Federal direct student loans are low-interest government loans available to help students defray college costs.  Student loans must be repaid.  Repayment begins once the student is no longer enrolled at Tompkins Cortland.  Students who transfer from the College to another college may have their loans deferred while they attend another Title IV eligible institution. There are two types of federal direct student loans; subsidized and unsubsidized. 

Subsidized

Subsidized direct loans are based on financial need. Interest on a subsidized loan does not accrue until the student has stopped attending college. 

Unsubsidized

 Unsubsidized direct loans are non-need based.  Interest accrues on the loan while the student is enrolled in college.  The interest rate is capped for all direct student loan programs at 6.8%. The annual rate is determined by congress by July 1st of each year.  The government charges you a fee to process the loan on your behalf.  This fee is called an origination fee and is withheld from each payment sent to the college. The chart below summarizes the maximum student loan eligibility based on dependency status and number of earned credit hours.  Students must enroll in six credits to be eligible for a federal direct loan.

Annual Direct Loan Limits

Status

Earned Credits

Subsidized

Unsubsidized

Dependent

0-29

 $3,500

 $2,000

Dependent

30 or more

 $4,500

 $2,000

Independent

0-29

 $3,500

 $6,000

Independent

30 or more

 $4,500

 $6,000

Federal Direct Parent Loan (PLUS)

The Direct PLUS Loan is a low interest government loan available to credit worthy parents of dependent students to help defray college costs.  Parents who have passed a credit check are eligible to borrow the difference between the cost of attendance minus any other financial aid the student receives.  PLUS borrowers must complete a PLUS Master Promissory Note and, in some cases, entrance counseling to learn about their rights and responsibilities as a parent loan borrower.  The interest rate is fixed at 7.9%.  The parent borrower enters repayment sixty days after the loan proceeds are applied to the student's College billing account.  The borrower has the option to postpone loan payments while the student is attending classes at Tompkins Cortland.  A parent may apply for a PLUS loan online at www.studentloans.gov

Federal Work-Study

Federal work-study provides students the opportunity to work and earn money to help with their personal expenses while attending college.  Awards range from $800-$2400 for the year.  Students earn minimum wage and work anywhere between 3-10 hours per week during the semester.  Students are paid bi-weekly on the college’s payroll schedule.  A work study award is an offer of work, not a guarantee of a job.  Students offered work study must go through the Tompkins Cortland student online job search process.  Eligible students will be contacted by the financial aid office with instructions on finding a work-study job.

New York State Student Aid Programs

Tuition Assistance Program (TAP)

TAP is a tuition grant awarded to eligible New York State residents who are full-time students.   Students may receive a maximum of six full-time semesters of TAP at a two-year college.  Awards are based on New York State net taxable income.  Learn more about TAP.

Aid for Part-Time Study (APTS)

The Aid for Part-time Study (APTS) program provides grant assistance for eligible part-time students enrolled in approved undergraduate studies. 

To be considered for an APTS award, you must:

  • Be a United States citizen or eligible noncitizen
  • Be a legal resident of New York State
  • Have graduated from a high school in the United States, earned a high school equivalency diploma by passing a Test Assessing Secondary Completion (TASC) formally known as a GED, or passed a federally approved "Ability to Benefit" test as defined by the Commissioner of the State Education Department
  • Be enrolled as a part-time student (3-11 credits)
  • Be matriculated in an approved program of study
  • Be in good academic standing
  • Not have exhausted Tuition Assistance Program (TAP) eligibility
  • Not be in default on any Federal or State student loan or on any repayment of state awards
  • Meet income eligibility limitations

To apply for APTS, Tompkins Cortland students may download an APTS application or obtain an application from the Financial Aid Office located in Room 101. Since funds are limited, students are encouraged to complete the application and return it to the college as early as possible for processing. Learn more the APTS program.

New York Achievement and Investment in Merit Scholarship (NY-AIMS)

The NYS Achievement and Investment in Merit Scholarship (NY-AIMS) provides merit-based scholarships to NYS high school graduates who achieved academic excellence as a high school student, and enroll or plan to enroll in a public or private NYS college immediately after high school.

An applicant must:

  • be a legal resident of NYS and have resided in NYS for 12 continuous months;
  • be a U.S. citizen or eligible non-citizen;
  • graduate from a NYS high school in the class of 2015;
  • enroll full time as a first time student in an eligible NYS college for the fall 2015 term; and
  • have achieved at least two of the following during high school:
    • have graduated with a grade point average (GPA) of 3.3 or above;
    • have graduated “with honors” on a New York State Regents diploma or received a score of 3 or higher on two or more Advanced Placement (or AP) examinations;
    • have graduated within the top 15% of his or her high school class.

A recipient receives an annual award of $500.  Learn more about NY-AIMS.

New York State Native American Aid

NYS Native American Aid is available to enrolled members of a New York State tribe and their children who are attending, or planning to attend, Tompkins Cortland and are New York State residents. 

Eligible and/or certified American Indian students are eligible to receive grant awards of up to $2,000 per year for up to four years of full-time study (five years for specific programs requiring five years to complete degree requirements). Students registered for less than 12 credit hours per semester will be considered part-time and will be funded on a prorated basis.

If funding is available, eligible students may receive aid for summer course work. Any aid a student receives for summer school study is deducted from the student's maximum entitlement for four years of full-time college study.

Applications must be postmarked by July 15 for the fall semester, by December 31 for the spring semester, and by May 20 for the summer session. There are no fees for submitting an application. Students must apply for each semester (not annually).

Specific eligibility criteria, information and applications can be found at the New York State Education Department, Native American Education UnitLearn more about NYS Native American Aid.

New York State Scholarships for Academic Excellence

NYS Scholarships for Academic Excellence provide up to $1,500 per year for up to five years of undergraduate study in New York State. 

Students must:

  • Have graduated from a New York State high school
  • Study full time and be matriculated in an approved undergraduate program of study in a New York State post secondary institution
  • Be in good academic standing
  • Not be in default on any State or federal student loan or on any repayment of state awards
  • Be U.S. citizens or qualifying noncitizens
  • Be New York State residents

This program provides scholarship assistance to outstanding New York State high school graduates. Each year, 8,000 scholarships are awarded - up to 2,000 scholarships of $1,500 and 6,000 scholarships of $500 to top scholars from registered New York State high schools. Awards are based on student grades in certain Regents exams. Recipients can also receive other non-loan student aid, but the total cannot exceed the cost of attendance.

Each year, up to 2,000 scholarships of $1,500 are awarded to the top graduating scholar for each registered high school in New York State. 

The State Education Department will notify students who have been nominated by their high school to receive the scholarship. HESC also receives notification from the State Education Department. To receive payment of the scholarship, the student must submit an application for payment to HESC by June 30 of each year for which assistance is sought. Application for payment is made by filing the Free Application for Federal Student Aid (FAFSA) and the TAP on the Web application.  Learn more about the NYS Scholarships for Academic Excellence.

New York State Science Technology Engineering and Mathematics (NYS STEM)

The New York State Science Technology Engineering and Mathematics Incentive Program (NYS STEM) provides a full SUNY tuition scholarship to the top 10 percent of students in each New York State high school if they pursue a STEM degree in an associate’s or bachelor’s degree program and agree to live in NYS and work in a STEM field in NYS for five years after graduation.

Students must meet the following criteria:

  • be a legal resident of NYS and have resided in NYS for 12 continuous months;
  • be a U.S. citizen or eligible non-citizen;
  • be a high school senior/recent high school graduate who will be enrolled full time at a SUNY or CUNY college, including community colleges and the statutory colleges at Cornell University and Alfred University, beginning in the fall term following his or her high school graduation;
  • be ranked in the top 10 percent of his/her high school graduating class of a NYS high school;
  • be matriculated in an undergraduate program leading to a degree in Science, Technology, Engineering or Mathematics at a SUNY or CUNY college;
  • earn a cumulative grade point average (GPA) of 2.5 or higher each term after the first semester;
  • execute a service contract agreeing to reside and work in NYS for five years in the field of Science, Technology, Engineering or Mathematics. View the terms and conditions of the service contract;
  • not be in default on a student loan made under any NYS or federal education loan program or repayment of any state award; and
  • be in compliance with the terms of any service condition imposed by a state award.

Students matriculated in these programs of study may be eligible for a STEM Incentive Program award. The program of study must result in an approved occupation.

A recipient receives an annual award for full-time study equal to the annual tuition charged to NYS resident students attending an undergraduate program at the State University of New York (SUNY), or actual tuition charged, whichever is less.  Learn more about the NYS STEM program.

New York State World Trade Center Memorial Scholarship

The NYS World Trade Center Memorial Scholarship guarantees access to a college education for the families and financial dependents of innocent victims who died or were severely and permanently disabled as a result of the September 11, 2001 terrorist attacks on the United States of America and the resulting rescue and recovery efforts.

Students must:

  • Be children, spouses and financial dependents of deceased or severely and permanently disabled victims of the Sept. 11, 2001 terrorist attacks on the United States or the subsequent rescue and recovery operations. This includes victims at the World Trade Center site, at the Pentagon, or on flights 11, 77, 93, or 175.
  • Be survivors of the terrorist attacks who are severely and permanently disabled as a result of injuries sustained in the attacks or the subsequent rescue and recovery operations.

Additionally students must:

  • Study at an approved postsecondary institution in New York State
  • Have graduated from high school in the United States, earned a GED, or passed a federally approved "Ability to Benefit" test as defined by the Commissioner of the State Education Department
  • Be enrolled as a full-time student taking 12 or more credits per semester
  • Be matriculated in an approved program of study
  • Be in good academic standing
  • Not be in default on a State or federal student loan or on any repayment of state awards.

World Trade Center Memorial Scholarships provide funds to help meet the cost of attending college. The award covers up to four years of full-time undergraduate study (or five years in an approved five-year bachelor's degree program) and includes the following components:

  • Tuition: An amount equal to your actual tuition or the State University of New York’s (SUNY) in-state tuition, whichever is less.
  • Non-tuition Costs: These include room, board and allowances for books, supplies and transportation up to the average cost at SUNY colleges. The Commissioner of Education sets the non-tuition cost allowances each year.
  • Residence: A student living on campus will receive a higher room and board allowance than a commuter student. If housing is not available for students on campus they will receive the same allowance as students living on campus.

The maximum total annual award for students living on campus for the 2015-16 academic year is $22,487; the maximum total annual award for total annual award for commuter students for the 2015-16 academic year is $15,037.  NOTE: Students choosing to live off campus when housing is available will be paid at the lower commuter rate.

Receipt of other grants and scholarships may reduce the WTC award. The total of all aid received cannot be greater than the student's Title IV cost of attendance.

Learn more about the NYS World Trade Center Memorial Scholarship.