Student Aid Programs

Student Aid Programs

Financial aid is available to students in many different forms: grants, loans, work study, awards, and scholarships. Most students interested in financial aid at LCCC must complete the Free Application for Federal Student Aid (FAFSA) . Details on the FAFSA are available in the Apply for Financial Aid section of this web page.

When determining a student’s eligibility for financial aid, many factors are taken into account including enrollment status, residency status, dependency status, cost of attendance, etc. A student’s Cost of Attendance for financial aid determination includes directly billed expenses (tuition and fees) and “indirect” expenses for items such as books, supplies, transportation to and from campus, normal monthly household expenses and a small amount for personal expenses. These amounts are estimated per year as: 

  • Books and supplies: $ 350 - $1,500 
  • Transportation: $ 1,000 - $1,600 
  • Monthly Household expenses: $ 2,200 - $3,800 
  • Miscellaneous Personal Expenses: $ 1,000

Tuition and fee amounts are available at:  

The following programs are available at LCCC:



Federal Pell Grant

Pell Grants are the foundation of federal student financial aid, to which aid from other federal and nonfederal sources might be added. Once you’ve earned the money by attending your classes and completing the semester, you do not need to repay the Pell Grant.

Pell Grants are awarded only to undergraduate students—those who haven’t earned a bachelor’s or graduate degree. Amounts can change yearly. The maximum award for the 2015-2016 award year is $5,775.

Pell grant awards are based on enrollment status as of the published census date (the 14th day of the term), cost of attendance and Federal Expected Family Contribution (EFC) as determined by the Federal Processor. Amounts will be awarded based on current-year Pell Grant tables.

As of July 1, 2012, federal regulations limit lifetime Pell eligibility to the equivalent of 12 semesters of full-time attendance.

Federal Supplemental Educational Opportunity Grant (SEOG)

The Federal Supplemental Educational Opportunity Grant (FSEOG) program is for undergraduates with exceptional financial need. Priority will be given to early applicants with the lowest expected family contributions (EFCs). Just like Pell Grants, the SEOG does not have to be repaid.

Federal Work-Study

The Federal Work Study Program provides the opportunity for students to earn money through federally sponsored part-time employment. Employment sites are available at LCCC and off campus. Eligibility for Federal Work Study is need-based according to federal definition. Completion of the FAFSA and an LCCC Student Employment Application is required.

Federal Direct Stafford Loan

Due to the recent enactment of a new federal law, the Health Care and Education Reconciliation Act of 2010, all colleges and universities must participate in the William D. Ford Federal Direct Loan Program for new federal student loans.  In this program, students borrow directly from the federal government through Lorain County Community College.  This includes the Federal Subsidized Stafford Loan, Federal Unsubsidized Stafford Loan and the Parental Loan to Undergraduate Students (PLUS). Unlike grants, student loans are not free but are federally guaranteed loans that must be repaid. Repayment begins six months after the student graduates or stops going to school at least half-time (6 credit hours or more). The typical expense period for student loans is the first day of fall semester and the last day of spring semester (August through May). However, student loans may be processed for eligible semesters of enrollment of less than a full academic year including summer or on a borrower based academic year. Pre-loan counseling is conducted for all student loan applicants.

Click here for information on how to apply for a Federal Direct Student Loan.

Additional eligibility requirements for Federal Stafford Loan borrowers are:

  • Must be enrolled for a minimum of six credit hours for each semester you wish to borrow funds
  • Must be meeting the College’s Satisfactory Academic Progress standards
  • Must be meeting all other U.S. Department of Education eligibility requirements
  • At the time of disbursement, must be enrolled in and commenced attendance in a minimum of 6 credit hours. 

Federal Direct PLUS Loan Program

This loan program is designed for parents of eligible students. The PLUS loan allows parents to borrow federal loan money to help pay the cost of their child’s postsecondary school expenses.

To be eligible for a Federal PLUS loan the borrower must be the dependent student's biological or adoptive mother or father or legal guardian. Stepparents may also be eligible. While the Federal PLUS loan program has no annual or cumulative borrowing maximums, eligible parents may not borrow more than the difference between the student s cost of attendance and all other financial aid and other resources the student will receive.

Hope Scholarship

The Hope Scholarship is actually a tax credit, not a scholarship. Tax credits are subtracted from the tax a family owes, rather than reducing taxable income like a tax deduction.

A family must file a tax return and owe taxes to take advantage of the Hope Scholarship. For additional details on the Hope Scholarship contact your tax advisor or visit the IRS website at

Incentive Awards. In addition to scholarships, two types of privately funded incentive awards are available at LCCC: The LCCC Incentive Award for Non-traditional Students and the Minority Incentive Award. The Incentive Award for Non-traditional Students (IANS) is intended to aid and assist Lorain County residents who may not have had the opportunity for post-secondary education and training. Eligibility criteria for this award include financial need and the student's ability to benefit. The IANS is awarded fall, winter and spring quarters and application deadline is 30 days prior to the start of the quarter of application. Complete details and applications are available in the Financial Aid Office. The Minority Incentive Award is available to minority Lorain County current-year high school graduates. Awards are processed through high school counselors and recipients are notified by LCCC

Lifetime Learning Credit

This program is a tax credit available to individuals who file a tax return and owe taxes.

The actual amount of the credit depends on the family s income, the amount of qualified tuition and fees paid, and the amount of certain scholarships and allowances subtracted from tuition. This credit is family-based rather than dependent-based. See your tax advisor for further details or visit the IRS web site at


The Ohio War Orphans Scholarship is funded by the State of Ohio. Application for this scholarship is available through the Ohio Board of Regents State Grants and Scholarships Office at 1-888-833-1133.

LCCC awards and/or administers a variety of institutional and privately funded scholarships. The LCCC-funded scholarships - the Trustee and the Presidential - are awarded to Lorain County current-year high school graduates. The Trustee Scholarships are awarded to students with grade point averages of 3.7 or above. The Presidential Scholarships are awarded to students with grade point averages of 3.4 to 3.699. Recipients of these awards are processed through high school counselors and are notified by LCCC. High school seniors residing in Lorain County and attending high schools located outside of Lorain County should notify the LCCC Financial Aid Office to determine eligibility.

In addition, LCCC offers a variety of scholarships to students attending LCCC and the University Partnership. Please visit the scholarship section of this web site for specific details.



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