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

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