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Introduction to Financial Aid

The purpose of the Financial Aid Office is to assist students in meeting their educational goals by providing appropriate financial resources.  The staff of the Financial Aid Office is aware of concerns students may have regarding financing their college education, and wants to assist by providing the best service possible. Our goal is to meet individual needs in a timely, efficient, and equitable manner.  Financial aid awards at Georgia Military College are based on scholastic ability and/or financial need. Students may receive aid in the form of scholarships, grants, loans, or work opportunities. All students are encouraged to apply.  Programs with limited funding are awarded according to the earliest application date.

Many students do not have the financial resources to accomplish their educational objectives.  Through the financial aid programs, Georgia Military College makes every effort to assure that no qualified student will be denied the opportunity to attend school because of lack of funds. Each year over 80 percent of Georgia Military College students receive some form of financial aid. Once awarded and packages are complete, they may be viewed online via GMC’s secure student portal.

Because of the many federal, state, and local agencies that regulate financial aid programs, the administration of financial aid is complex and ever changing. To help simplify the process, the Federal government has a website that is updated regularly and can be found by visiting https://studentaid.ed.gov. It is important for students to understand the financial aid programs they are applying for and the requirements of those programs. Please contact a graduation coach should you have any questions. Policies and procedures are subject to change without notice.

Determining Eligibility

Basic Eligibility Criteria include the following:

  • Demonstrate financial need (for most programs);
  • Be a U.S. citizen or an eligible noncitizen;
  • Have a valid Social Security number (with the exception of students from the Republic of the Marshall Islands, Federated States of Micronesia, or the Republic of Palau);
  • Be registered with Selective Service, if you’re a male (you must register between the ages of 18 and 25);
  • Be enrolled or accepted for enrollment as a regular student in an eligible degree program;
  • Be enrolled at least half-time (6 quarter hours) to be eligible for Direct Loan Program funds;
  • Maintain satisfactory academic progress;
  • Sign the certification statement on the Free Application for Federal Student Aid (FAFSA®) stating that:
    • You are not in default on a federal student loan and do not owe money on federal student grant and;
    • You will use federal student aid only for educational purposes and;
    • Show you’re qualified to obtain a college education by
      • Having a high school diploma or a recognized equivalent such as a General Education Development (GED) certificate;
      • Completing a high school education in a homeschool setting approved under state law.

 

Financial Aid Penalties for Drug Violation

Awarding of Federal (Title IV) Aid

1.  All Title IV funds are awarded based on the information received from the FAFSA.  You must complete the FAFSA to be eligible.  The FAFSA can be found at www.fafsa.gov.

2.  Georgia Military College’s academic year, for the purposes of administering federal Title IV financial aid programs is defined as:

  • 3+1 (Milledgeville Campus)-Three ten (10) week quarters for a total of 30 weeks during which the average undergraduate student is expected to complete a minimum of thirty-six (36) credit hours.
  • 4+1 (All other campuses)-Four nine (9) week terms for a total of 36 weeks during which the average undergraduate student is expected to complete a minimum of forty-eight (48) credit hours.

Enrollment in a minimum of 12 credit hours per term is required in order to be considered a full-time student for Title IV federal aid purposes.
The Scheduled Academic Year (SAY) applies to the administration of Federal Direct Loans at GMC. The statutory maximum annual loan limits apply to this period of time. The SAY begins with the first day of class each Fall 1 (or Fall for Milledgeville) and ends with the last official exam day of the following Spring term. The Summer term at GMC is considered a “trailer” to the SAY; therefore, the applicable annual loan limits apply to the Fall 1 – Spring SAY, plus the Summer trailer.

3. Once the FAFSA is received and processed in our office the student’s file will be marked for awarding in groups based on the date all the information was received. Awards are made on a first-come, first-served basis.

4. Based on a student’s enrollment and housing plans, an estimated Cost of Attendance (COA) will be assigned for packaging purposes.  The COA includes the following items:

  • Tuition and Fees
  • Books and Supplies
  • Personal Expenses
  • Transportation Cost
  • Room and Board

5. The Estimated Family Contribution (EFC) is subtracted from the COA to determine each student’s demonstrated financial need.

  • COA – EFC = NEED
    • The sum of all need based awards will not exceed the need of the student.
    • The sum of all awards (need and non-need) will not exceed the COA.

The packaging methodology for undergraduate students:

1.  PELL Grants will be automatically awarded based on the student’s EFC and the PELL tables published by the US Education      Department.

2. Supplemental Educational Opportunity Grant (SEOG) will be automatically awarded based off an EFC of Zero (0000) and the File Complete Date.  SEOG is awarded on a first come first served basis and the availability of funds.

3. Direct Subsidized and/or Unsubsidized loans are packaged “up-front”. GMC will not certify loans unless the student submits a Request for Stafford Loan form. Before the loans will transmit to the students account, the student must complete the Master Promissory Note and Entrance Loan Counseling.

4. Federal Work-Study will be awarded if the student applies for a position through Human Resources and the financial aid office determines eligibility.

NOTE: Pell Grant, SEOG, and Direct Loans have amount limits established by regulation.

2020 – 2021 Pell Payment Chart

2020 – 2021 Direct Loan Information Handout 

Financial Aid Self Service

GMC students now have real-time access to their financial aid record! Log into your GMC Student Portal and click on Financial Information to view your most current information!

  • Check to see if your Free Application for Federal Student Aid (FAFSA) has been received
  • Review any additional required documentation
  • Verify that you are meeting the criteria for Satisfactory Academic Progress (SAP) and are eligible to continue receiving federal financial aid
  • View details regarding your financial aid awards

Types of Aid

Here at Georgia Military College, you have several options to choose from when deciding how to finance your education. Take the time to read the information on the various options below, and as always, please feel free to email your campus with any questions you may have.

Financial Aid Types

Need and Non-Need Based Aid

Scholarships

State Grants and Scholarships

Federal Grants

Federal Work Study

Loans

 

Need and Non-Need Based Aid

 

Financial need as it pertains to financial aid eligibility is determined by using a simple formula  in which GMC subtracts the student’s Estimated Family Contribution (EFC) as calculated by the Federal  Pell Processors from the student’s Cost of Attendance (COA), as follows:

COA – EFC = Financial Need

Federal regulation states that certain types of financial aid are “Need-based” awards.  This means the total amount of financial aid awarded cannot exceed the Financial Need as calculated using the above formula. The following chart lists types of aid which fall into this category:

Need-Based Aid

  • Federal Pell Grant
  • Federal Supplemental Equal Opportunity Grant (SEOG)
  • Federal Subsidized Direct Loan
  • Federal Work Study Program
  • State Service Scholarship for Cadets

All other aid is considered “Non-need-based” aid, and eligibility is calculated without considering the EFC. GMC subtracts all Need-based aid already received from the COA to determine the Unmet Cost, as seen in the formula below. Total financial aid awarded cannot exceed the COA for any given award period.

COA – Need-based aid = Unmet Cost

Shown below are types of Non-need-based Aid available at GMC:

  • Federal Unsubsidized Direct Loan
  • Federal Direct Plus Loan
  • Private Student Loans
  • Georgia Tuition Equalization Grant
  • Georgia HOPE Scholarship
  • Georgia Public Safety Grant
  • Georgia Student Access Loan
  • Georgia HERO Scholarship
  • Georgia HOPE GED Voucher
  • Georgia Zell Miller Scholarship
  • GMC Institutional Scholarships
  • Outside Scholarships (unless designated by donor)
  • Military Tuition Assistance
  • Veterans Benefits
  • Other Military Grants
  • ROTC Scholarship

 

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Scholarships

Scholarships are awarded for outstanding achievement in academics, extracurricular activities, or community service.  Georgia Military College offers a variety of scholarship opportunities.
Any student wishing to apply for a Georgia Military College Foundation Scholarship to help finance his/her education may complete and submit the scholarship application available from the Office of Advancement. Many private companies and foundations also offer scholarships for which you may be eligible.

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State Grants and Scholarships

Georgia Tuition Equalization Grant (GTEG)
The Georgia Tuition Equalization Grant (GTEG) program provides non-repayable grants to eligible Georgia residents who enroll on a full-time basis at Georgia Military College.
To be considered full-time, a student must be registered for 12 or more credit hours and attending class as of the day after the census date* of the term. If a student officially or unofficially withdraws, drops out or is expelled before the day after the census date, the student is not eligible to receive GTEG. Attendance is monitored to verify eligibility. GTEG eligible students can receive payment for the summer term and three (3) quarters during the regular award year (Fall I – Spring). Please see the financial aid representative at each campus for further information and current year eligibility amounts. State grant regulations and award amounts are subject to change during an award year.

*The Census Date is the point at which your enrollment is locked for financial aid purposes. The census coincides with the last date a student may add a course with permission each term.

Census Dates for all campuses, excluding the Milledgeville Campus
Term Census Date
Fall 1 2020 August 7, 2020
Fall 2020 October 13, 2020
Winter 2021 January 15, 2021
Spring 2021 March 23, 2021
Summer 2021 June 7, 2021

 

  Census Dates for the Milledgeville Campus
Term Census Date
Fall 2020 August 28, 2020
Winter 2021 November 20, 2020
Spring 2021 March 5, 2021
Summer 2021 June 18, 2021

 

            Census Dates for the Milledgeville Online (MLO) Campus
Term       Census Date
 Fall MLO 2020 August 28, 2020
 Winter MLO 2021 November 20, 2020
Spring MLO 2021 March 5, 2021
Summer MLO 2021 June 18, 2021

 

 

HOPE (Helping Outstanding Pupils Educationally) Scholarship
Students who are eligible for the GTEG program may also be eligible to receive additional assistance under this state scholarship program. HOPE Scholarships are available for qualified students attending GMC and may be applied to tuition and mandatory fees not covered by another source that is applied to student’s tuition and fee charges. Recipients do not receive a book allowance for attendance at GMC. Students must be enrolled at least half-time (6 hours). HOPE eligibility is determined using attempted hours according to HOPE Program regulations. Contact the Financial Aid Office for eligibility requirements.

HOPE (Helping Outstanding Pupils Educationally) GED Grant
A one-time $500 HOPE voucher is available for Georgia GED recipients, who are also Georgia residents.

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Federal Grants

Federal Pell Grant
The Federal Pell Grant is awarded only to students who have not earned a bachelor’s or professional degree. (A professional degree is earned after earning a bachelor’s degree in a field such as medicine, law, or dentistry.) To determine if you are eligible, the U.S. Department of Education uses a standard formula, established by Congress, to evaluate the information you report when you apply using the Free Application for Federal Student Aid. The formula produces an Expected Family Contribution (EFC) number. Your Student Aid Report (SAR) contains this number, in the upper right portion of page 1, and will tell you if you are eligible for a Pell Grant. This number is subject to change. The Federal Pell Grant does not have to be repaid.

Federal Supplemental Educational Opportunity Grant (FSEOG)
A Federal Supplemental Educational Opportunity Grant (FSEOG) is for undergraduates with exceptional financial need — that is, students with the lowest EFCs — and gives priority to students who receive Federal Pell Grants. An FSEOG does not have to be repaid. There is no guarantee every eligible student will be able to receive an FSEOG; students are awarded an FSEOG based on the availability of funds at the time financial aid awards are packaged at Georgia Military College.

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Federal Work Study

Federal Work-Study (FWS) eligibility is based on established financial need and at least half-time enrollment. Jobs are located on campus and work schedules are planned around the student’s class schedule. Community service positions are also available through the FWS program.

FWS funds are not available at registration to pay for the student’s fees. Students are paid on a monthly basis for the actual hours worked. All interested FWS recipients should complete the Application for Federal Work-Study, available in the Financial Aid office.  Eligible students will receive an Award Letter with the amount per quarter the student is eligible to earn.

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Loan Information

A loan is a form of financial aid that must be repaid, with interest.  Few students can afford to pay for college without some form of education financing.  In fact, two-thirds of undergraduate students graduate with some debt.  Education loans come in three major categories:  student loans, parent loans, and private or alternative loans.  A fourth type, consolidation loans, allows the borrower to lump all of their loans into one loan for simplified payment.

Click Here for more information.

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Cost of Attendance

Georgia Military College (GMC) calculates the cost of attendance by estimating the student´s education expenses for the period of yearly enrollment. This cost of attendance reflects how much the student alone will need to spend to live and attend school.

Standard costs of attendance are developed each year, reflecting average costs of attendance for students in various situations. Students can view current tuition and fee rates by clicking here. A cost of attendance is assigned to a student according to information obtained through the FAFSA.

Per federal regulations, a student’s cost of attendance will be adjusted if he or she withdraws from classes and the resulting enrollment status is less than full time. The adjustment to the cost of attendance may result in the student owing previously disbursed aid back to GMC.

Click here to see the breakdown of the 2020-2021 cost of attendance for each GMC campus.

By entering estimates of your family income and student academic information, in just a few minutes the Georgia Military College Net Price Calculator will provide an estimate of the financial aid and out-of-pocket costs involved in what will be one of the most important investments you will ever make – a college education.

Students may appeal their cost of attendance by requesting a Professional Judgement (PJ). PJ requests must be made to the Financial Aid Office at the campus the student attends.

The three areas for which we will consider PJ are:

  • Increases in the student’s Cost of Attendance to account for extraordinary expenses a student might incur while attending GMC;
  • Changes in financial circumstances including loss of income, loss of recurring taxed or untaxed income, loss of assets, or unusual medical expenses;
  • Dependency override to change your financial aid dependency status from dependent to independent.

Cost of Attendance Increases

  • Computer Purchase: Federal regulations permit GMC to consider the cost to purchase a computer when calculating a student’s Cost of Attendance (COA). Allowable expenses include the purchase cost of a computer, printer and other necessary software and supplies if the expenses are incurred no earlier than 100 days prior to the beginning of the academic year. GMC includes in the COA $700 per award year for a computer. You may request a PJ for a computer purchase if the expense incurred was greater than $700. Due to federal student aid program limits, such as annual Direct Loan limits, the inclusion of computer expenses in the COA may not result in additional funds for you.
  • Dependent Care Expenses: Federal regulations permit GMC to include an allowance based on expenses incurred for dependent care. The period of time for which the dependent care expenses are incurred must be directly related to the time needed for the student to pursue his/her education. The dependent must have been included in the student’s number in household on the Free Application for Federal Student Aid (FAFSA).

Changes in Financial Circumstances

  • Parent Professional Judgment Request to Recalculate the Expected Family Contribution for Dependent Students: If the parents’ current expected income is substantially less than it was during the tax year used on the FAFSA due to special circumstances, we may be able to use the parents’ current estimated income to reevaluate eligibility for Federal Student Aid.  Please contact our office for additional information.
  • Student Professional Judgment Request to Recalculate the Expected Family Contribution for Independent Students: If the students/spouses expected income is substantially less than it was during the tax year used on the FAFSA due to special circumstances, we may be able to use the students/spouses current estimated income to reevaluate eligibility for Federal Student Aid.  Please contact our office for additional information.

Dependency Status Appeals

  • Petition to be declared an Independent Student for Federal Aid Purposes: The law governing Federal Student Aid (Title IV) categorizes students as “dependent” or “independent” based on the premise the student and parents have the primary responsibility for meeting the student’s educational costs.  This premise applies even when the parents are not actually supporting the student. If you can document the unusual or unique circumstances governing why you feel you should be declared independent for Title IV Federal Aid purposes, you may petition for a dependency override by completing this form and providing documentation. Parents refusal to contribute financially or unwillingness to complete the Free Application for Federal Student Aid, or the student not being claimed on the parent(s)’ Federal Tax Return, or the student showing total self-sufficiency are not reasons to declare a student Independent for Federal Student Financial Aid.

Click here for Net Price Calculator