EARLY FAFSA APPLICATION FOR 2107-2018 BEGINNING OCTOBER 1, 2016!
How to Apply for Financial Aid?
- Complete the Free Application for Federal Student Aid (FAFSA)The FAFSA is how the U.S. Department of Education determines how much financial assistance a student will be granted. To complete the application, please:
- Apply for a FSA User ID at: https://studentaid.ed.gov/sa/fafsa/filling-out/fsaid [Student & Parent (if Dependent)]
- Complete the FAFSA at www.FAFSA.gov. Bergen Community College’s Federal School Code is 004736 [Student & Parent (if Dependent)]
- Once you submit the FAFSA, please click “Optional” on the FAFSA submission page to complete the additional questions which allows you to apply for New Jersey financial assistance. If you are not able to open the link, you can complete the questions at www.hesaa.org.
- You will receive a Student Aid Report (SAR) from the U.S. Department of Education within 1 week of submitting your FAFSA which will summarize the information you entered. This report will be sent by email or mail and will also provide an estimate of the financial aid you may be eligible for.
- Activate your BCC E-Mail Account and Create a BCC Portal Account
Once you submit a FAFSA, you will receive information from the Office of Financial Aid through your BCC Portal and E-Mail accounts. In my.bergen.edu, you can:
- Track your financial aid status by logging into Web Advisor, ”Financial Aid for Students” & “Financial Information for Students”
- Track any future changes/adjustments to your award or financial aid status by logging into Web Advisor, “Financial Aid for Students”, & “Account Summary”
- BCC Office of Financial Aid Document RequestThe U.S. Department of Education interacts with various Federal agencies. The information on your FAFSA is cross referenced with the records of those agencies. If there is information on a FAFSA that does not match with any agency, it will be “Selected for Verification.” If a FAFSA is “Selected for Verification,” the BCC Office of Financial Aid is required to request documents to verify the information on the FAFSA. You may be required to verify income, submit citizenship documents, Selective Service proof, etc. The office will request all documents via your BCC Portal and BCC E-mail only. It is important to submit the documents in a timely manner to ensure timely processing and awarding of accurate financial aid eligibility. Your financial aid award is only an estimate until we receive your documents and verify those documents against what you submitted on your FAFSA.
- Award Notification Letter
Once the financial aid process is complete, an Award Notification Letter will be posted in your BCC Portal Account. This letter will tell you what Federal and/or NJ State financial aid has been awarded. If there is an out of pocket expense or if you are not awarded a grant due to ineligibility, you may be able to apply for a William D. Ford Direct Loan (Federal), your parent may be able to apply for a Parent Loan for Undergraduate Students (PLUS)* or you may be able to apply for one of many *private student loans at www.elmselect.com.
How to Complete Your FAFSA?
Students who wish to be considered for financial aid must complete the Free Application for Federal Student Aid (FAFSA). Bergen Community College uses the FAFSA to determine if you are eligible for grants, loans, and work-study programs. If you are a new student applying for the first time, or a current student who needs assistance with renewing your FAFSA, please join us for a free workshop where one of our Financial Aid Specialists will guide you through the on-line application or renewal process. For your convenience, we offer both morning and evening sessions. Simply attend the workshop that fits best with your schedule.
If you cannot attend one of our workshops, or simply prefer to complete your FAFSA at home, watch this FAFSA tutorial to help guide you through the process 7 Easy Steps to the FAFSA .
How Financial Aid Is Determined?
Once you complete the Free Application for Federal Student Aid (FAFSA), you send the FAFSA to the U.S. Department of Education. The U.S. Department of Education uses the information that you reported to determine the Expected Family Contribution (EFC), as well as an estimate of your eligibility for Federal Pell Grant and Federal Direct Loan. The Expected Family Contribution (EFC) is what the U.S. Department of Education estimates that you and your family can contribute towards your college education. This information is also sent to each school that you apply to. The U.S Department of Education will send you a Student Aid Report (SAR), which outlines the financial information and includes the Estimated Family Contribution (EFC) and an estimate of your eligibility for Federal Pell Grant and Federal Direct Loan.
To determine your financial aid award, the Office of Financial Aid undergoes the following process:
- We Determine Need—Here, the College subtracts your EFC from the total Cost of Attendance (COA), which includes college tuition, fees, room and board, transportation, books, supplies and personal expenses.
- We Establish Eligibility—Once your need is determined, the Office of Financial Aid calculates how much Federal and State grants, loans and work-study programs can be awarded to you. These awards are based on specific formulas, eligibility requirements and availability of funds that are determined by Federal and State government agencies.
If you have any questions about your award letter, or if your financial situation has changed since you completed the FAFSA, please contact the Office of Financial Aid at (201) 447-7148.
How to Pay my Tuition and Fees?
If you have applied for financial assistance from the Federal Government and New Jersey State, you may be eligible for funding to cover your tuition, fees, and additional costs of attendance at Bergen Community College.
Tuition Payment Plan
If you are waiting for your financial aid to be processed or it’s determined you are not eligible for Federal or State funding to cover your tuition &/or fees, Bergen Community College is pleased to offer the tuition payment plan, administered by Nelnet as a manageable alternative to paying your semester bill in a lump-sum payment. The tuition payment plan is interest free. It can be used on its own or in combination with financial aid, grants, and loans. It also allows you to pay the semester’s costs over a number of months, interest-free. The first payment is due when you enroll. You will be billed for the remaining payments.