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FINANCIAL AID AWARD TYPES

Kellogg Community College strives to make education financially possible for all eligible and qualified applicants, and to that end has established a network of financial aid programming including grants, loans, scholarships, work study programming and more.

Click on the appropriate dropdown below to find the information most applicable to your financial needs. Questions may be directed to the Financial Aid Office at 269-965-4123 or [email protected].

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Grants

Federal Pell Grant

This grant provides a maximum award depending on the computed Expected Family Contribution from the Free Application for Federal Student Aid. These awards are prorated depending on the actual enrollment level of the student per semester. Students may verify their eligible amount by utilizing the Pell Calculator on the KCC website. This grant is available to students who have not yet earned a bachelor’s degree. This is an entitlement program from which all students who meet eligibility requirements will receive an award.

Federal Supplemental Education Opportunity Grant

This program provides awards of $400 t0 $4,000 per academic year. Priority for these awards is given to Pell Grant recipients with the lowest Expected Family Contribution EFC determined by the FAFSA. The award amount is dependent on annual availability of funds and other resources that make up an individual award package.

Federal Work Study

This program is a federally-funded work program for on-campus or community service jobs used to promote part-time employment paying at the state minimum wage per hour rates. Employment opportunities are offered to students enrolled at least half time (at least six credit hours) who demonstrate financial need. Positions are limited and the number of hours a week a student can work depends on the student’s eligibility. Students may earn up to their maximum annual award amount as determined by the FAFSA. All job placement is handled through Career and Employment Services.

Loans

Loan information will be submitted to the National Student Loan Database System and will be accessible to students, guaranty agencies, lenders and institutions determined to be authorized users of the data system. Students can access their loan history online at studentaid.gov/h/manage-loans.

William D. Ford Federal Direct Loan Program

The Department of Education offers Federal Direct Subsidized Loans to students enrolled at least half time (at least six credit hours) who demonstrate financial need. Students may borrow up to $3,500 per academic year as a freshman (less than 24 credit hours earned) and $4,500 per academic year as a sophomore (24 or more credit hours earned). The federal government pays the interest while the student is in school at least half time, during the six-month grace period and during all deferment periods for the Federal Direct Subsidized Loan.

To apply for the Federal Direct Subsidized Loan, students must complete the Free Application for Federal Student Aid (FAFSA) and complete the Request for Loan section on KCC’s Financial Aid Certification and Loan Application form.

Federal Direct Unsubsidized Loans

These are low-interest loans made by the Department of Education which allow students to borrow who are not eligible or have reduced eligibility for a Federal Direct Subsidized Loan. The maximum amount a student can borrow is the same as the Federal Direct Subsidized Loan. Independent students may borrow up to an additional $6,000, depending on eligibility. Dependent students can borrow up to an additional $2,000, depending on eligibility. The interest rate for the Federal Subsidized and Unsubsidized Loans is the same. The federal government does not pay the interest for the student receiving a Federal Unsubsidized Loan. Students are responsible for paying the interest on the Federal Direct Unsubsidized Loan while they are in school, during the six-month grace period and during all periods of deferment.

To apply for a Federal Direct Unsubsidized Loan, students must first submit the FAFSA. You can then submit a Loan Request form provided by the Financial Aid Office. Loan Request forms can be retrieved in the Bruin Portal Financial Aid system or on the Financial Aid Forms page. Visit studentaid.gov for more information about loan types.

Federal Direct Plus Loans for Undergraduate Students

These are government loans made to parents of dependent students who do not have an adverse credit history. Maximum loan amounts cannot exceed the Cost of Attendance (COA) minus other financial aid. The interest rate on the Federal Direct Plus Loan is a variable rate not to exceed 9%. Payment begins 30 days after the first disbursement.

To apply for a Federal Direct Plus Loan, parents need to complete the FAFSA and the Federal Direct Parent Loan application. Forms are available in the Financial Aid Office or on the Financial Aid Forms page.

Loan Entrance Counseling, Master Promissory Note & Annual Loan Acknowledgments

IMPORTANT: Students must complete an Annual Student Loan Acknowledgment each year they accept a new federal student loan. Those who are first-time loan borrowers are required to complete Entrance Counseling and sign a Master Promissory Note (MPN) in order for loan funds to be disbursed. Both the Loan Entrance Counseling and MPN processes are completed online at studentaid.gov.

Michigan Financial Aid

The state of Michigan’s Office of Post Secondary Financial Planning, within the Department of Treasury, encourages students to pursue their educational goals by providing equality of access to student financial resources and information. Students may visit michigan.gov/mistudentaid for direct information. The following programs are contingent upon funding from the State of Michigan.

MI ECHO

The Michigan Equity, Courage, Hope and Opportunity (MI ECHO) Scholarship allows people living in Michigan to access associate’s degree and certificate programs for free. The scholarship covers tuition, contact hours and other mandatory fees. Through MI ECHO, students can earn a degree or certificate to gain stable employment and boost their standard of living.

This scholarship is only for people who cannot access federal financial aid and who worked on the frontlines during the COVID-19 pandemic. The candidate must be eligible for acceptance into a certificate or associate degree program and cannot have earned an associate or bachelor’s degree in any country.

Full scholarship requirements and application instructions are available at michiganecho.org.

Michigan Reconnect

Michigan Reconnect is a scholarship program that pays for students age 25 and older to attend their in-district community college and offers a large tuition discount if students attend an out-of-district community college. Students can use the scholarship to complete an associate degree or a skill certificate program. Visit our Michigan Reconnect web page for more information.

Michigan Reconnect FAQs

Futures for Frontliners

Futures for Frontliners is a state of Michigan scholarship program for frontline workers, specifically Michiganders who worked in essential industries during the state’s COVID-19 shutdown in Spring 2020. Futures for Frontliners provides a pathway for tuition-free access to public community colleges for eligible students without a college degree to earn an associate degree or an industry recognized certificate. Visit the state’s Futures for Frontliners website for more information.

Futures for Frontliners FAQs

Merit Scholarship Program

The Merit Scholarship Program is a Michigan scholarship program for high school seniors to reward student achievement and to make postsecondary education more affordable. Students who meet certain criteria will be eligible for a scholarship to be used at any approved postsecondary educational institution.

Students must take the Michigan Educational Assessment Program (MEAP) High School Tests (HST) in mathematics, reading, science and writing. The student must have graduated from high school or passed the General Educational Development (GED) test or other graduate equivalency examination approved by the state Board of Education. There is also a requirement that the student must not have been convicted of a felony involving an assault, physical injury or death.

Michigan Nursing Scholarship

The Michigan Nursing Scholarship Program was established by the state of Michigan to encourage students to enroll in nursing education programs and enter the nursing profession. Award consideration is given to students enrolled in a Licensed Practical Nurse, Associate Degree in Nursing or Bachelor of Science Nursing program.

Eligibility includes:

  1. High school graduation or GED
  2. Enrollment during the award period at least half time (at least six credit hours)
  3. U.S. citizenship
  4. Not in default on a federal student loan
  5. Meet Satisfactory Academic Progress as defined by the institution
  6. No felony convictions involving an assault, physical injury or death
  7. Michigan residency for 12 months prior to the beginning of the award period (including parents for dependent students)
  8. Student must agree to sign the Scholarship Agreement and Promissory Note with the Authority that he/she will achieve licensure within one year of completion of the nursing program and to agree to the specified employment provisions; failure to do so will result in repayment of the scholarship funds received

Award amounts*:

  • $4,000 max for a full-time student
  • $3,000 max for a three-quarter-time student
  • $2,000 max for a half-time student

Award amounts may not exceed eligible costs minus any other grants or scholarships for the award period.

*Program awards are contingent on availability of funds from the state of Michigan

Tuition Incentive Program 

The Tuition Incentive Program (TIP) is a state of Michigan program that provides tuition and fee assistance to Michigan residents who are under the age of 20 at the time of high school graduation or GED completion. These students must take courses within four years of high school graduation or GED completion. The Michigan Department of Social Services determines eligibility for this award. Students must enroll at least half time (at least six credit hours). TIP will pay tuition and mandatory fees for up to 80 total credit hours.

There will be a per semester/term cap on fees of $250. The number of credits allowed per academic year is 24 semester credits. Students have up to four years to initiate enrollment at a participating college, but all benefits must be used within 10 years of high school graduation or GED completion or the student forfeits program eligibility.

Scholarships

KCC Foundation scholarship applications for new, returning and graduating KCC students are available now! For details and scholarship applications, visit kellogg.edu/kccscholarships

There are several scholarship opportunities available for Kellogg Community College students looking for financial assistance in funding their education. Read on for more information.

View our digital Financial Aid and Scholarships folder.

Kellogg Community College Foundation Scholarships

A variety of scholarships are available through the KCC Foundation and are based on financial need, academic achievement or special circumstances. The scholarship selection committees will make the final determination of awards by matching students with these specific criteria and guidelines.

KCC Foundation scholarships include the following:

Athletic Scholarships

KCC is part of the Michigan Community College Athletic Association’s Western Conference and is a member of the National Junior College Athletic Association’s Region 12. Sports currently offered at KCC include baseball, men’s and women’s basketball, men’s and women’s bowling, men’s and women’s cross country, women’s soccer and women’s volleyball.

The MCCAA and NJCAA regulate all athletic competition and eligibility standards for all member colleges. Athletic scholarships are available for outstanding male and female athletes, and can cover tuition and fees associated with KCC costs. Contact the Athletic Department for further details at 269-965-4151 or visit kelloggbruins.com for more information.

Private Scholarships

Private scholarships are available from a variety of sources, including:

Students pursuing private sources of funding should begin looking at least one year in advance.

Work Study Programs

Students who would like to work on campus or in community service jobs may qualify for employment through the Federal Work Study Program or the Institutional Work Program. To determine eligibility, all students must file the Free Application for Federal Student Aid (FAFSA) available in the Financial Aid Office and online.

Federal Work Study Program Minimum Requirements

  • Minimum enrollment of six credit hours each semester.
  • Must be a U. S. citizen or eligible non-citizen.
  • Must not be in default on a federal student loan or owe a federal grant overpayment.
  • Registered with the Selective Service if required to do so.
  • Qualify based on the results of the FAFSA not to exceed the individual student’s financial need.

Institutional Work Program

Students who would like to work on campus may qualify for employment through the Institutional Work Program. This is an institutional work program for students not eligible for federal and state work study.

To determine eligibility, all students must file the FAFSA available in the Financial Aid Office.

Institutional Work Program Minimum Requirements

  • Minimum enrollment of six credit hours for the fall and spring semesters.
  • Minimum enrollment of three credit hours for the summer semester.
  • Check with the Career and Employment Services Office for all employment opportunities.

Students with a Federal Work Study award will be granted an amount each semester depending on financial need. Students may work and earn up to the total annual amount. Earnings exceeding the annual amount awarded will be charged to the employing department’s institutional fund.

Summer work study is available depending on availability of funds. Federal Work Study allocations not expended during the fall and spring semesters will be available to eligible students for summer employment through June 30. Earnings beyond June 30 will be charged to the employing department’s institutional fund. Work Authorization Forms from the Financial Aid Office are required for summer employment.

Students may work under the Federal Work Study program as long as half-time enrollment is maintained and the annual award is not exceeded. Once annual work awards are met or the student falls below half-time enrollment, employment for that student ends.

Students working under any of the work study programs must follow all rules and regulations set forth by Human Resources for timecards, signatures, hours of work, etc.

Student Employment Process

  1. All students interested in on-campus employment or community service positions must file the FAFSA. The student’s eligibility is based on the results of the FAFSA.
  2. Visit the Kellogg Community College Job Board at College Central to search for current openings.
  3. The employing department’s conduct interviews and select a candidate. The employing department contacts CES and requests a work authorization. The employing department administrator signs the student work authorization.
  4. With the work authorization form, social security card and driver’s license/Michigan identification, the student will attend a scheduled orientation with Human Resources to complete all necessary paperwork for payroll and to attend an orientation for student employment. Student employees cannot work until completing an orientation and all necessary paperwork with Human Resources.

Financial Aid Package Policy

Financial aid packages are created for students throughout the academic year. Applicants whose financial aid files are complete by the College priority deadlines will receive maximum consideration in the distribution of funding resources according to funding criteria. Eligible applicants completing a file after the priority deadline will be packaged with Federal Pell Grant, Federal Work Study (dependent on availability of funds) and loans. Due to limited funding, the College cannot attempt to meet the financial need of students with gift money. KCC employs an up-front policy of packaging gift awards first, work study second and loans last.

Guidelines for awarding financial aid:

  1. The Expected Family Contribution (EFC) is determined as a result of the Free Application for Federal Student Aid (FAFSA).
  2. The Federal Pell Grant is the foundation of the financial aid package.
  3. Federal Supplemental Educational Opportunity Grant (FSEOG) is awarded according to federal guidelines. Federal Pell Grant recipients with the lowest Expected Family Contribution have first priority for FSEOG funding. Second priority is given to students with no Federal Pell Grant eligibility and the lowest Expected Family Contribution. The minimum FSEOG award is $400.
  4. Applicants not receiving FSEOG will be considered for other institutional and/or private funds administered by KCC. Students with the highest unmet need will be considered for other funding within the guidelines for each program.
  5. Award packages are created based on expected full-time enrollment. Adjustments will be made at the end of the 100% refund period (approximately two weeks after the start of each semester) for changes in enrollment status. These adjustments will affect assigned budgets and award amounts and may result in reduced or canceled awards.
  6. The College reserves the right to issue adjusted award letters due to an error in calculating. This information is noted in the terms and conditions emailed with the award letter.

NOTE: Due to the large applicant pool and limited funding allocations, not all students meeting the priority deadline are awarded funds from all programs.

Expected Family Contribution

The formula to determine ability to contribute toward the cost of education is legislated by Congress. The EFC is the result of the FAFSA. For dependent students the EFC is the result of a combination of the parent and student income and asset information. For independent students the EFC is the result of the student and spouse (if married) income and asset information.

Pell Grant Calculator for 2021-22

                                                                     
    
        
            
                

Enter the amount of your Expected Family Contribution (EFC), which is located on your SAR report and your Award Letter:

           
           
                            
        
        
            
                

Enter the actual amount of Credit Hours for the Current Semester:

           
           
                           
          
         
           
                           
       
       
            
                

Your Pell Grant Award Amount Estimate for the Current Semester is:

           
           
                           
       
                         
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