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Financial Aid Policies

Please click on the link below to read the policy.

Basic Eligibility Requirements

Calculating Need
    Cost of Attendance
    Expected Family Contribution

Consortium Agreement/Attending Multiple Colleges

Consumer Information

English as a Second Language (ESL)

Enrollment Level Definition and Exceptions
    Audited Courses
    Non-Credit Courses
    Remedial/Development Courses
    Repeated Courses

Enrollment Level Requirements by Aid Type

Enrollment Level Updates
    Add
    Drop
    Withdrawal
    Return of Title IV (R2T4) Funds Calculation

Falsification of Information

PDF fileGlossary of Financial Aid Terms

Rights and Responsibilities of the Financial Aid Recipient

Satisfactory Academic Progress (SAP)

Study Abroad

Basic Eligibility Requirements

While each aid program has special requirements, the following are basic requirements that apply to Federal, State, and some Institutional and Private aid programs. In order to be eligible to receive financial aid, you must:

  • Complete the Free Application for Federal Student Aid (FAFSA) to be considered for grants, loans, work-study, and some scholarships. Students are strongly encouraged to complete the FAFSA by March 1 for priority consideration;

  • Have earned a High School Diploma (not High School Certificate), G.E.D., or have completed Home School graduation requirements;

  • Have financial need (except for some loan programs and many scholarship programs) as usually demonstrated from filing a FAFSA;

  • Be taking courses that lead to a degree or certificate;

  • Be a U.S. citizen or eligible non-U.S. citizen;

  • Have a valid Social Security Number;

  • Be registered with Selective Service, if required;

  • Be making satisfactory academic progress;

  • Use federal student aid only for educational purposes;

  • Not owe a refund on a federal grant or be in default on any federal educational loan; and

  • Not be receiving financial aid from another institution concurrently.

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Calculating Need

Financial Aid is determined by subtracting the expected family contribution (as determined by the FAFSA) from the appropriate cost of attendance (budget).

    Cost of Attendance
-   Expected Family Contribution
=  Financial Need

Cost of attendance is based on the average educational and living expenses for a student attending LCC. It does not represent an individual student's actual costs. The cost of attendance includes:

  • Tuition and fees
  • Books, supplies, and equipment
  • Room and board
  • Transportation
  • Miscellaneous personal expenses
  • Loan fees

Access myLCC to view your Cost of Attendance

Expected Family Contribution is based on the student's dependency status. If a student is a dependent student (as determined by the FAFSA), the federal government assumes that parents have the primary obligation to provide for the student's cost of education to the extent that they are able, based on a standardized method of determining parental contribution. The second obligation falls upon the student to contribute to his or her own education from personal assets and earnings which may include the use of student loan funding.

If a student is a self-supporting or an independent student (as determined by the FAFSA), the federal government assumes since a student is the prime beneficiary of education, the student has a primary obligation to provide for the cost of education to the extent the student is able, based on a standardized method of determining student contribution. The student's expected contribution will come from personal earnings, spouse's earnings, if applicable, savings and assets which may include the use of student loan funding.

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Consortium Agreements/Attending Multiple Colleges

In some cases, students choose to attend two colleges simultaneously. In most cases, a student cannot receive Federal or State financial aid at both institutions simultaneously and consequently, financial aid would be processed by only one of the colleges where the student is enrolled.

In the case where a pre-articulated Consortium Agreement exists between two institutions, the student's combined enrollment will be used to determine aid eligibility. Only the following Consortium Agreements have been established with LCC, to learn more please contact the Financial Aid Office at Lansing Community College for program specific information:

  • Davenport University
  • Ferris State University
  • Franklin University
  • Michigan Colleges Online
  • Michigan State University
  • Northwood University

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English as Second Language (ESL)

Students enrolled in a program that consists solely of English as a Second Language (ESL) instruction are eligible for Federal Student Aid funds only from the Federal Pell Grant program. ESL courses are not considered remedial.

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Enrollment Level Definition and Exceptions

Financial aid is offered to students based on enrollment as a full-time student. If a student enrolls less than full-time, certain awards may be prorated. Eligibility for all awards is based on the student’s enrollment level. The chart below defines enrollment level based on the number of credits a student enrolls for:

Enrollment Level Credits required for Fall, Spring, and Summer Semesters
Full-Time 12 or more credits
Three-Quarter-Time 9 - 11.99 credits
Half-Time 6 - 8.99 credits
Less Than Half-Time Less than 6 credits

According to federal regulations, certain types of credits cannot be used when calculating a student’s enrollment level.

Audited courses are taken for no grade. Therefore, courses being audited cannot be considered part of a student's enrollment level for financial aid purposes.

Non-credit courses are not given credit hours earned or a grade. Therefore, non-credit courses cannot be considered part of a student enrollment level for financial aid purposes.

Remedial/Developmental Courses are defined as courses that are below the secondary (high school) education level. Once students attempt more than 30 remedial/developmental credits, the Financial Aid Office must begin limiting federal financial aid eligibility. Even if financial aid funds were not used for the prior coursework, the Financial Aid Office must limit federal financial aid eligibility.

For example, if a student attempted 30 remedial/developmental credits and the following semester register for a total of 12 credits with 4 out of the 12 credits being considered remedial/developmental, the financial aid package will be based on 8 credits.

Below are courses that LCC considers remedial/developmental.

AASD 104 AASD 105 AASD 110 ENRI 105
ENRI 152 ENRI 162 MATH 105 MATH 106
MATH 107 MATH 109 MATH 112 MATH 114
READ 108 READ 114 READ 116 READ 150
READ 160 READ 165 READ 170 READ 175
SPEL 150 VCBL 150 WRIT 108 WRIT 110
WRIT 117      

Repeated courses are defined as courses that the student enrolls for and attempts more than once. Federal regulations limit the number of times a student may repeat a course while receiving financial aid for that course. This limit applies even if the student did not receive financial aid for earlier enrollments in the course. If a student retakes a course that is not eligible for financial aid, it will not be counted as credit when determining federal financial aid eligibility (such as the Federal Pell Grant and Federal Student Loans). Financial Aid is recalculated by excluding the credits for the repeated course. Note: Students must also adhere to the College's Repeat Enrollment Policy.

  • A student may receive financial aid to repeat a previously passed course one additional time.
  • A student may receive financial aid when repeating a previously failed course (0.0 or Z), regardless of the number of times the course was attempted and failed.
  • A student who is taking a course that requires the student to enroll in for multiple times to meet degree requirements may receive financial aid for these courses. (repeatable course list)

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Enrollment Level Requirements by Aid Type

The U.S. Department of Education requires the student's enrollment level to be locked on a specified date (Census Date) for students who receive Federal Pell Grants. If a student is not registered before the Census Date, the enrollment level will be locked on the date that the student is paid Federal Pell Grant. The upcoming semester Census Dates are as follows:

2017 - 2018 Financial Aid Year Census Dates
Fall 2017: September 11, 2017
Spring 2018: January 29, 2018
Summer 2018: June 11, 2018

All other aid programs, including Federal Direct Loans, do not have enrollment level locked on the Census Dates.

Please see the chart below to determine the enrollment requirements for most aid programs.

Program  Enrollment Level Percentage of Award Paid
Federal Pell Grant Full-time 100%*
Three-Quarter-time 75%*
Half-time 50%*
Less than Half-time See Grants for the Pell Chart
Federal Direct Loans (Subsidized, Unsubsidized, PLUS) Full-time 100%
Three-Quarter-time 100%
Half-time 100%
Less than Half-time 0%
Federal Supplemental
Educational Opportunity Grant (SEOG)
Full-time 100%
Three-Quarter-time 100%
Half-time 100%
Less than Half-time 100%
Other Programs Full-time See myLCC for Awards
Three-Quarter-time
Half-time
Less than Half-time
*Some restrictions apply. See Grants for the Pell Chart and more details.

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Enrollment Level Updates

Adding, dropping, withdrawing, or changing a course to audit status may cause an enrollment level change. Enrollment level changes may affect eligibility for funds.

Add – adding a course to the student schedule.

Drop – removing a course from the student schedule where instructor approval is not required. A drop also removes the course from the student’s academic record. Generally, this means that the student will no longer be charged for all or part of the course. A course cancelled by LCC is also considered a dropped course.

Withdrawal – removing a course from the student schedule by issuing a grade of W (withdrawal) for the course. The course will be part of the student’s academic record.

Federal Pell Grant Federal Direct Loans Other
  Enrolled and Disbursed (paid) on Census Date Enrolled but not disbursed (paid) on Census Date Not Enrolled on Census Date Disbursed (paid) Federal Direct Loans Not disbursed (not paid) Federal Direct Loans All other aid types
Add Added credits will not count towards eligibility. Added credits will not count towards eligibility. Prior to being Disbursed (Paid): Added credits will count towards eligibility.

After being Disbursed (Paid): Added credits will not count towards eligibility.
Added credits will count towards eligibility. Added credits will count towards eligibility. Added credits will count towards eligibility.
Drop (course will not show on transcript) or changing a course from graded to audited Dropped or audited credits will no longer count towards eligibility and disbursed (paid) amounts will decrease if enrollment level changes. Prior to being Disbursed (Paid):  Dropped or audited credits will no longer count towards eligibility.

After being Disbursed (Paid): Dropped or audited credits will no longer count towards eligibility and disbursed (paid) amounts will decrease if enrollment level changes.
Prior to being Disbursed (Paid): Dropped or audited credits will no longer count towards eligibility.

After being Disbursed (Paid): Dropped or audited credits will no longer count towards eligibility and disbursed (paid) amounts will decrease if enrollment level changes.
Dropped or audited credits will not count towards eligibility. If now less than 6 credits, paid loans will be cancelled and billed to student account and funds not disbursed will be cancelled. Dropped or audited credits will not count towards eligibility. If now less than 6 credits, funds not disbursed will be cancelled. Dropped or audited credits will not count towards eligibility. Previously paid awards may adjust based on new enrollment level.
Withdraw Withdrawn credits will continue to count towards eligibility and disbursed (paid) amounts will not decrease. However, you may be subject to an R2T4 calculation. Prior to being Disbursed (Paid): Withdrawn credits will no longer count towards eligibility.

After being Disbursed (Paid): Withdrawn credits will continue to count towards eligibility and disbursed (paid) amounts will not decrease. However, you may be subject to an R2T4 calculation.
Prior to being Disbursed (Paid): Withdrawn credits will no longer count towards eligibility.

After being Disbursed (Paid): Withdrawn credits will continue to count towards eligibility and disbursed (paid) amounts will not decrease. However, you may be subject to an R2T4 calculation.
Withdrawn credits will continue to count towards eligibility. Paid loans will not be cancelled. However, you may be subject to an R2T4 calculation. Withdrawn credits will not count towards eligibility. If now less than 6 credits, funds not disbursed will be cancelled. However, you may be subject to an R2T4 calculation. Withdrawn credits will continue to count towards eligibility. However, you may be subject to an R2T4 calculation.

Return of Title IV Funds (R2T4)

Federal regulations require schools to perform a Return of Title IV Funds (R2T4) calculation for Title IV grant and/or loan recipients within thirty days of the determination of withdrawal if one of the following occurs within the student’s payment period:

Event Determination of withdrawal
Student completely withdaws from all courses Date student widhdrew from final course
Student withdraws or drops from a course and the student's remaining courses have not yet begun Date student withdrew or dropped from last active course
Student fails to pass or earn credit in at least one course Date grade(s) post showing student failed to pass or earn credit in at least one course

 

Within forty-five days of the determination of withdrawal, the R2T4 calculation must be completed to determine the amount of earned and unearned aid based on the student’s withdrawal date*. The institution and/or the student owe the unearned aid to the federal government. LCC will immediately return the institution’s and the student’s unearned aid to the federal government, LCC will bill the student for the unearned aid, and the student is responsible for repaying LCC. If the student was disbursed less than the revised award, the student may be due a post-withdrawal disbursement. For loan funds, LCC must obtain the student’s permission to disburse additional funds. The student may choose to decline some or all of the loan funds to avoid incurring additional debt. For grant funds, LCC will use post-withdrawal funds to pay any allowable institutional charges prior to refunding the remaining funds to the student.

Unearned aid is returned in the following order:

  • Federal Unsubsidized Loans
  • Federal Subsidized Loans
  • Federal PLUS Loans
  • Federal Pell Grants
  • Federal SEOG
  • Federal Iraq and Afghanistan Service Grant

*Withdrawal Date

  • Official Withdrawal Date
    • When a student withdraws from all courses or withdraws/drops from a course and the student’s remaining courses have not yet begun
    • The official withdrawal date used in the R2T4 calculation is the date the student began the withdrawal process
  • Unofficial Withdrawal Date
    • When a student fails to pass or earn credit in at least one course that the student remaining registered in.
    • The unofficial withdrawal date used in the R2T4 calculation is the student's last date of attendance.

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Falsification of Information

Falsification of information submitted by the student or parents for the purpose of receiving financial assistance may result in cancellation of assistance, billing back for assistance received, and referral to the appropriate federal authorities. If students purposely give false or misleading information, they may be fined $10,000, sent to prison, or both by the federal government.

The Financial Aid Office may be required to verify information provided on the FAFSA by requiring documentation of income or other types of financial assistance. In addition, if the Financial Aid Office has conflicting information or has reason to believe that student information may not be valid, further investigation will occur prior to financial aid being awarded and/or refunded.

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Rights and Responsibilities of the Financial Aid Recipient

As a student financial aid consumer, you have the right to:

  • Information about financial aid application procedures, cost of attendance, aid available, and renewal requirements as well as information about LCC’s academic programs and policies.
  • Confidential protection of your financial aid records. The contents of your financial aid record are maintained in accordance with the Family Educational Rights and Privacy Act.
  • Request a review of decisions made by LCC’s Financial Aid Office. A letter discussing your situation in detail and the decision you wish to have reviewed should be submitted in writing to the Financial Aid Office at financialaid@lcc.edu.

You have the responsibility to:

  • Complete applications and requested information accurately and timely.
  • Read and understand all materials sent to you from the Financial Aid Office and other financial aid agencies. Keep copies of all forms and materials submitted.
  • Know and comply with the rules governing your aid programs.
  • Comply with the provisions of any promissory note and all other agreements you sign.
  • Register for the number of credits required and maintain Satisfactory Academic Progress.
  • Go to the StarZone on the second floor of the Gannon Building for personal assistance if you have questions or do not understand the information provided to you.
  • Budget and manage your financial aid funds. Learn more at Money Basics.

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Satisfactory Academic Progress

Federal regulations require the Financial Aid Office at Lansing Community College (LCC) to monitor the progress (both qualitatively and quantitatively) of all students toward the completion of a degree through Satisfactory Academic Progress (SAP). SAP is separate from LCC’s Academic Standing Policy.  In order to receive federal funds, a student must meet SAP. If required, SAP also applies to state, institutional, and private funding.

To determine eligibility each semester, the Financial Aid Office will monitor and evaluate students’ academic progress, regardless if aid was received. The evaluation will include all attempted credits, including: earned credits, failed credits, transfer credits, withdrawals, incompletes, audits, and repeated courses. Students will be notified of their SAP status after each evaluation period.

SAP Standards

Student must meet all of the following SAP standards to remain eligible for financial aid:

  • Maintain a minimum cumulative GPA of a 2.0 in all credits attempted at LCC.
  • Maintain a minimum cumulative completion ratio of 70% of all credits attempted at LCC.
  • The total number of credits a student attempts cannot exceed 150% of the maximum credits required for the student’s program.

Note: The table below represents a student pursuing a general associate degree requiring 63 credits. In order for the student to successfully complete their program within 150% of the credit hours required and maintain a cumulative completion ratio of 70%, the student must earn the following minimum credits.

 

Semester Credits
Earned
Credits
Attempted
Completion
Ratio
Maximum
Timeframe
1 11 15 73% 25%
2 21 30 70% 50%
3 32 45 71% 75%
4 42 60 70% 100%
5 53 75 70% 125%
6 63 90 70% 150%

 

SAP Statuses

Good:

  • Student who meet SAP are in Good status.

Warning:

  • New Students: Students who have completed at least one class with a minimum 1.0 grade and do not meet SAP after the first semester of attendance.
  • Continuing Students: Students who fail to meet SAP but completed at least one class with a minimum of 1.0 grade in the most recent semester of attendance and have not attempted more than 150% of the credit hours required for the program.

Students in Financial Aid Warning status must electronically submit a Warning Contract prior to receiving financial aid. Warning status will only be effective for one semester. If the student does not meet SAP by the end of the warning semester, the student will be Suspended and ineligible for financial aid.

Suspended:

  • Students in Good status who fail to meet SAP and did not earn a minimum 1.0 grade in the most recent semester of attendance or have attempted more than 150% of the credit hours required for the program.
  • Students who do not meet SAP by the end of the warning period.
  • Students who did not meet the terms of an approved appeal.

Students in Financial Aid Suspended status are denied financial aid until SAP is met or the Financial Aid Office approves an appeal.

Reinstated:

  • Students in Suspended status with an approved appeal and meeting the requirements of the My Academic Pathway (MAP).

Students in Financial Aid Reinstated status are approved for financial aid as long as the student completes each semester with a minimum semester GPA of 2.0, completes 100% of all credits attempted, and meets the requirements of the MAP.

Regaining Eligibility

  • Students may regain financial aid eligibility by taking courses at their own expense or by using other funding sources until they meet the minimum GPA and Completion Ratio requirements; however, students who exceed 150% of the credit hours required for the program may only regain eligibility through a SAP Appeal.
  • Students who are Suspended and have extenuating circumstances may submit a SAP Appeal which must include a current MAP. Submission of an appeal does not guarantee reinstatement of financial aid eligibility. Examples of extenuating circumstances are:
    • Death of an immediate family member
    • Documented hospitalization or illness
    • Major accident or illness of student or family member
    • Victim of a crime or unexpected disaster
  • Students with a denied appeal may continue to attend but must pay all tuition and fees.

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Study Abroad

Students may use financial aid funds for a study abroad program if they will receive credit for the program toward their program of study at LCC. The study abroad program must advance the student toward their declared program of study and not merely be providing an enrichment experience. There may also be other eligibility restrictions, depending on the financial aid program.

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Financial Aid at Lansing Community College

Financial Aid Office
Gannon Building
2nd Floor - StarZone
Phone: (517) 483-1200 (option 1)
Additional contact information »

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Office Hours
Monday - Thursday: 8am – 6pm
Friday: 8am – 4pm

FAFSA School Code: 002278