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Financial Aid

Think big. Don’t pay big. 

At Delta you can get the first two years of your bachelor’s degree for less than half what you’d pay at a public university. When you’re ready, your credits can easily transfer to your university of choice.  

Plus, you get the same great education with professors who see your potential, are dedicated to teaching and are really good at it.

The Financial Aid Office assists students of the Great Lakes Bay Region with the financial resources to achieve their academic goals.

Apply for financial aid by filling out the FAFSA.

Even some scholarships require you to fill out the FAFSA first. It’s pretty straightforward and if you have questions along the way, just ask us. We’re here to help.

Student with instructor

 

UPCOMING FINANCIAL AID EVENTS

Get help filing out your FAFSA from our financial aid experts.  No appointment is necessary, but seating capacity is limited.  Please search below for dates and locations.*

*All rooms are at the Delta College Main Campus unless noted otherwise.

Delta College events calendar


Important Dates

2016-2017 FAFSA academic year (Aug 2016-Aug 2017)

Students must complete the 2016-2017 FAFSA to apply for financial aid for Fall 2016, Winter 2017 and Spring 2017 semesters. The last day to complete the FAFSA for this academic year is June 30, 2017.

2017-2018 FAFSA academic year (Aug 2017-Aug 2018)

Students must complete the 2017-2018 FAFSA to apply for financial aid for the Fall 2017, Winter 2018 and Spring 2018 semesters.  The last day to complete the FAFSA for this academic year is June 30, 2018.

Financial aid priority processing dates

The priority dates listed below are the recommended submission dates to ensure your financial aid application (FAFSA) and required documents can be reviewed and processed in a timely manner.

If you are unsure of what additional required documentation is required of you, please log in to Portal and view My Documents.

  1. From the Portal homepage, select WebAdvisor.
  2. Select WebAdvisor for Students.
  3. Select Communication.
  4. Select My Documents

Go to portal

The last day to apply for a Federal Direct Stafford loan is two weeks prior to the end of the semester. 

Semester FAFSA Year FAFSA Submit Date Document Submit Date
Winter 2017 2016-2017 November 1, 2016 November 11, 2016
Spring 2017 2016-2017 March 1, 2017 March 17, 2017 
Fall 2017 2017-2018 June 1, 2017 June 22, 2017
Winter 2018 2017-2018 November 1, 2017 November 10, 2017
Spring 2018 2017-2018 March 2, 2018 March 16, 2018

FAFSA Instructions

Instructions for the 2016-2017 and 2017-2018 FAFSA

Indicate Delta College's school code (002251) for Delta College to receive your FAFSA information electronically.  It may take up to five business days for the college to receive this information.

Information needed

  1. Your (and your Parent's) FSA ID(s)  This acts as your electronic signature.  You can visit the FSA ID website to create one.
  2. Your (and your Parent's ) Social Security Number(s) Check for accuracy!
  3. Your (and your spouse´s, if you are married) 2015 Federal Tax Return and all 2015 W-2's 
      • IRS 1040, 1040A, 1040 EZ
      • Foreign Tax Return, or
      • Tax return for Puerto Rico, Guam, American Samoa, the U.S. Virgin Islands, the Marshall Islands, the Federal States of Micronesia, or Palau
  4. Your Parents' 2015 Federal Income Tax return (if you are a dependent student) and all 2015 W-2's  NOTE: Parents residing together regardless of marital status or gender will report combined income.
  5. Your (your parent's) 2015 untaxed income records
      • Child Support Received/Paid
      • Pensions/Annuities
      • Veterans benefits records
  6. Your (your parent's) most current bank statements
  7. Your (your parent's) current business and investment mortgage information, business and farm records, stock, bond and other investment records
  8. Your alien registration or permanent resident card (if you are not a U.S. citizen)
  9. Parent(s) date of birth, if applicable
  10. Parent(s) date of current marital status (divorced or separated, remarried or married, widowed)

Next steps

A student aid report (SAR) will be sent directly to you. When you receive your SAR, look it over carefully to make sure it is correct, since this is the information Delta will receive electronically. The information on this SAR will be used to determine your eligibility for the Federal Pell Grant and for most other types of aid. If corrections are needed, follow the directions on your SAR.

If you need assistance completing or making corrections to your FAFSA, you may stop in the Financial Aid Office, during office hours and a Financial Aid Advisor will be available to assist you.

Please review the My Documents link in your MyDelta account and check your Delta e-mail regularly if documentation needs to be submitted and reviewed by a Financial Aid Advisor before eligibility can be determined.

Other helpful information

The FAFSA and FSA ID Tips for Parents video contains helpful information for parents of Free Application for Federal Student Aid (FAFSA) applicants. It helps parents navigate the FAFSA process from logging in, to filling out and to signing their child's FAFSA using their FSA ID.

The How to Create an FSA ID video has detailed instructions on how to create an FSA ID.

The Federal Student Aid website provides additional information regarding the financial aid process and describes the various types of financial aid.

Award Letter Information

If you are found eligible for any type of financial aid assistance, we will send an email notice to your Delta College email address. The award letter will show the type of aid you are eligible for, the semester(s) you were awarded as well as our Cost of Attendance, your Expected Family Contribution (EFC) and your Remaining Financial Need.  Further award letter information can be found in the student Portal.

Financial Aid Award Letter Information


Types of financial aid

  • Grants & Scholarships – money you don’t have to pay back
  • Student loans
    • Subsidized – interest starts when you’re done taking classes
    • Unsubsidized – interest starts when you take out the loan
    • PLUS - A loan your parent can borrow for your educational expenses
    • Alternative Loans - available to students that may not qualify for federal student loans
  • Work-study – money you earn at a part-time job on campus
Federal aid

Federal Pell Grant

To be considered, complete the FAFSA. Award eligibility varies. Eligible students must demonstrate financial need as determined by the federal methodology, meet standards of academic progress, not owe due to an overaward or be in default on any Title IV Aid, and be working toward a Delta College academic degree or certificate.

Eligibility for Federal Pell Grant is prorated based on your Expected Family Contribution (EFC) as determined by your FAFSA.  Some students, based on EFC, lose eligibility at less than 12 credits.

The Consolidated Appropriations Act of 2012 reduces the duration of a student's Pell grant eligibility to a 12-semester (full-time) lifetime limit. Students who have received Pell grant funds for the equivalent of 12 full-time semesters will not be eligible to receive this grant for future semesters. Full-time enrollment is defined as 12 or more credits per semester.

How do you know if you are nearing your lifetime limit? Your SAR (Student Aid Report - results from completing your FAFSA) will report the amount of Federal Pell Grant that you have received. You may also review the results at NSLDS (National Student Loan Data System).

Federal Supplemental Educational Opportunity Grant (FSEOG)

To apply, complete the FAFSA. Those students with the most financial need as determined by federal methodology will be considered first. Eligible students must also meet standards of academic progress, not owe a refund or be in default on any Title IV Aid, and be working toward a Delta College academic degree or certificate.

Iraq & Afghanistan Service Grant

For students who are not Federal Pell Grant eligible; whose parent or guardian died as a result of military service in Iraq or Afghanistan after 9/11/01; and who, at the time of the parent's or guardian's death, were less than 24 years old or were enrolled at least part-time at an institution of higher education. The maximum award is adjusted for less-than-full time study. The grant award is not to exceed the cost of attendance for that award year.

Michigan aid 

Children of Veterans Tuition Grant (CVTG)

Must be the natural or adopted child of a Michigan veteran who is totally and permanently disabled, deceased, or missing in action.  Must be at least 16 and less than 26 years old.  Must maintain a cumulative GPA of 2.25 for renewal.  The award amount is up to $2,800 per academic year for up to four academic years.  The grand total of award is $11,200.  The award is limited to tuition and mandatory fees.

Fostering Futures Scholarship (FFS)

The Fostering Futures Scholarship provides scholarships to young adults who have experienced foster care in Michigan. Awards are paid directly to the students’ institution to assist with unmet need in tuition/fees, room/board, and books/supplies. Students must have been in foster care on or after their 13th birthday. There is no upper age limit; students can receive funding at any age. Students must be attending a Michigan degree-granting public or private 4-year college/university or a community college.

Michigan GEAR UP

Must have participated in GEAR UP College Day Program between 2007 and 2012 and have been nominated for an award.  Awards are $5,500 per academic year for full-time students, but cannot exceed the cost of attendance.

Michigan Competitive Scholarship Program (MCS)

Achieve a qualifying ACT score of at least 23 (composite) or 90 (scaled score) prior to entering college. Starting with the Class of 2017, an ACT score will not be considered. Students must achieve a qualifying score of at least 1200 on the SAT. Federal processor must receive Free Application for Federal Student Aid (FAFSA) by March 1.  Must maintain a minimum cumulative 2.0 GPA.  This program is both merit and need based.  The award is limited to 10 semesters of tuition and mandatory fees.  Award amount information can be found on the MI Student Aid website.

Tuition Incentive Program (TIP)

Eligible students must be under the age of 20 at the time of high school graduation/GED completion and have been a Medicaid recipient.  TIP covers up to 24 credits per academic year and pays most fees up to $250 each semester.

To receive TIP at Delta College, students must indicate Delta as their college selection choice each year.  They can do this by listing Delta as their first college choice on the FAFSA, by logging into the MiSSG Student Portal or by calling the Michigan Department of Treasury, Office of Scholarships and Grants at 1-888-447-2687.  TIP eligibility letters will no longer be needed and will not be provided to students by the State.  Students must also submit copies of their high school diploma/GED and birth certificate to the Financial Aid Office to be considered for this award.  

Michigan Indian Tuition Waiver (ITW)

Students with one-quarter minimum Native American blood quantum, who are enrolled members of a federally recognized tribe and legal residents of Michigan for one year or more may qualify. ITW covers tuition only, for any number of credits. For more information, please visit the Michigan Department of Civil Rights.

Institutional aid

Board of Trustees Grant (BTG)

The BTG provides financial assistance for short-term training programs offered through the LifeLong Learning Office. Eligibility is determined by financial need. Grant pays for up to 1/3 of tuition costs or a maximum of $692. Applications are available in the Financial Aid Office and on the Financial Aid Forms section of the Student Portal.

Adult Education Scholarship (AES)

The AES scholarship is a one-time award of $500 for the Fall semester. Recipients must be in-district, graduate from an eligible Adult or Alternative Education program,  and have demonstrated academic achievement with the desire for a post-secondary education. The award can be used for direct and indirect educational expenses.

Private scholarships

 This would include money given to the College by a private donor.  For additional information please visit the scholarship page.

Other financial aid resources

Students interested in obtaining additional education or training to re-enter the workforce should explore potential funding opportunities through their local Michigan Works and Michigan Rehabilitation Services agencies.

Veterans can also find Educational Benefits information through the Delta College Veteran Services Office.

The Michigan Education and Training Voucher Program also helps students fund their college education.

Study abroad program

Delta's Study Abroad program gives you the opportunity to travel and see the world. Did you know that you may qualify for financial aid or scholarships specifically for your travels? 

Financial aid information for study abroad

Fill out the FAFSA

You must fill out a Free Application for Federal Student aid (FAFSA) form for the same academic period in which you plan to study abroad. The FAFSA is required to determine your eligibility for Pell Grant and other Federal and State grants, Federal Loans (need-based and non-need based), work-study, and many Delta College grants and scholarships.

Figure other expenses

Before applying to a study abroad program, check for program expenses. In addition to the program fee, consider the cost of tuition and fees, airfare, passport, visa, immunizations, and spending money. While the amount of your aid may be increased due to the additional costs involved in studying abroad (flight, cost of living, etc.), do not assume you will be awarded 100% of the money needed to cover the costs of your program. Always seek additional or alternative sources of funding.

Paying in advance

The cost of your airfare can be included in your financial aid package, but you will receive your airline bill from the travel agency/airlines before your financial aid funds are released. You will also be required to pay any deposits before your financial aid is disbursed; therefore, you will need to make arrangements to pay these bills in advance.

Maintain financial aid requirements

  • For scholarships and grants, you need to maintain the enrollment level required for each aid program listed on your award letter.
  • Credit level required for Federal Direct Stafford Subsidized/Unsubsidized Loan eligibility for all semesters is at least half-time. For undergraduates half-time is 6-8 credits; 3/4 time is 9-11 credits; and full-time is 12 credits.
  • The study abroad advisor will report to the Financial Aid Officer the number of credits you indicated on your application. If you change this credit amount so that it changes your status (half-time, 3/4 time, full-time), it is your responsibility to report this change to the Financial Aid Office. Some loans require full-time enrollment, and in some cases, part-time enrollment reduces eligibility.

Scholarship opportunities

The Delta College Foundation offers study abroad scholarships that can help you fund your study abroad program.

Please visit the Study Abroad page for more information.

financial aid policies

There are many policies that can affect a student's ability to receive/maintain financial aid eligibility.  You'll want to make sure you read over these policies carefully.  If you have any questions, please let us know.
 
Ability-to-benefit

In order to receive Federal Student Aid funds, you must be qualified to study at the college level. You qualify if you:

  • Have a high school diploma (this can be from a foreign school if it is equivalent to a U.S. high school diploma);
  • Have the recognized equivalent of a high school diploma, such as a General Education Development certificate (GED);
  • Have completed homeschooling at the secondary level as defined by state law;
  • Have completed one of the Ability-To-Benefit (ATB) alternatives and first enrolled in an eligible college program prior to July 1, 2012. The ATB alternatives include: 
    • Passed/passing an independently administered Department of Education approved ATB test such as COMPASS, ASSET or ACCUPLACER.
    • Completing at least 6 credit hours that are applicable toward a degree or certificate offered by Delta College (remedial coursework does not count towards this requirement).
Attendance policy

Many times, financial aid is based upon the number of credits a student is enrolled in and depends on you successfully completing your semester. If circumstances arise that do not allow you to attend your classes, it is recommended to speak to your instructor and the Financial Aid Office to understand any complications it may cause.

Your Financial Aid may be adjusted for the following circumstances:

Never Attended:  Federal financial aid will be adjusted for classes reported as never attended by the instructor, when a student receives a grade of F, W, or WI.

Example: A student is in four classes at three credits each (12 credits). The student receives three A grades and one F grade in their science. The instructor reported that the student never attended the science class. Aid will be adjusted down from 12 credits (full time) to 9 credits (three-quarter time). However, the student is still charged tuition and fees for the science class, because the student did not drop from the class within the refund period.

Complete Withdrawals:  If a student completely withdraws (all F, W, or WI grades) from a semester without one passing grade, a recalculation of Federal aid may have to be done. Attendance for each class will be evaluated based on the last date of attendance reported from the instructors. Students must attend more than 60 percent of the semester in order to keep the Federal financial aid awarded to them. Students that do not attend at least 60 percent have not “earned” all of their Federal aid, and may be required to pay a portion of their aid back.

Please refer to the Return of Funds Policy and additional financial aid policies for further information regarding your attendance and the effects on your Federal financial aid. 

Census date policy
 

We encourage students to register and set their class schedule within the first week of a semester. Enrollment changes that occur after the semester has begun can highly impact your financial aid awards.

Census Date policy applies to award eligibility of the Federal Pell Grant and the Iraq & Afghanistan Service Grant (IASG) only.  The census date for each semester is the 18th day of the semester, beginning with the first date of the semester.

Semester award amounts for the Federal Pell and IASG, will be determined each semester by the number of credits you are enrolled in as of the census date or the processing date of your completed FAFSA, whichever is later.  Below are a couple of examples to show you how these two dates affect award eligibility.

Example #1
  • You register for 12 credits on 8/29/16
  • We receive your completed FAFSA on 9/1/16
  • Census Date is 9/13/16
  • You drop a class and are enrolled in 9 credits on 9/13/16

The census date was later than the FAFSA processing date, so Pell is awarded on 9 credits.

Example #2
  • You register for 3 credits on 8/29/16
  • Census Date is 9/13/16
  • You register for additional classes and are in 12 credits on 9/25/16
  • We receive your completed FAFSA on 10/1/16

The FAFSA processing date of 10/1/16 was later than the census date, so Pell is based on the 12 credits.

The 2016/17 academic year semesters will have the following census dates:

Fall semester 2016: September 13, 2016
Winter semester 2017: January 24, 2017
Spring semester 2017: May 25, 2017
 

The 2017/18 academic year semesters will have the following census dates:

Fall semester 2017:  September 12, 2017
Winter semester 2018:  January 23, 2018
Spring semester 2018:  May 24, 2018

Please note the following:

  • A student must meet all attendance guidelines to be entitled to Federal Aid disbursed to them as described in the Attendance Policy.
  • If a student adds an additional class after the census date for each semester, Pell or IASG aid will not be adjusted to pay for the class, unless a completed FAFSA is received after registration of the late enrolled class.
  • Federal aid will be adjusted for any class that is never attended, regardless of the census date or the date of the drop/withdrawal.
  • Federal Stafford loans will be adjusted based on actual enrollment before they are disbursed to the student, and require a student to be in enrolled in a minimum of six credits.
  • Grants and scholarships from the State or private donors, are based on the refund period for each semester.
Drug and alcohol policy

A federal or state drug conviction (but not a local or municipal conviction) can disqualify a student for FSA funds. 

Convictions only count against a student for aid eligibility purposes if they were for an offense that occurred during a period of enrollment for which the student was receiving federal student aid—they do not count if the offense was not during such a period, unless the student was denied federal benefits for drug trafficking by a federal or state judge.

Also, a conviction that was reversed, set aside, or removed from the student’s record does not count, nor does one received when she was a juvenile, unless she was tried as an adult.

Delta College has implemented  a program to prevent the abuse of alcohol and use, and /or distribution of illicit drugs both by students and employees, please refer to the Drug and Alcohol Prevention Program on the Delta Public Safety page.

Enrollment status eligibility

Financial aid is initially based on your enrollment status at the time of registration.  However, different aid programs may have requirements that cause your aid to be adjusted after the semester has begun. Federal and some State aid requires students to be working towards an aid eligible degree or certificate. Scholarship awards will be based on the criteria specified by the donor.

Eligibility for Federal Pell Grant and the Iraq & Afghanistan Service Grant (IASG) are prorated based on your Expected Family Contribution (EFC) as determined by your FAFSA and the number of credits you are enrolled in each semester.  Some students, based on EFC, lose eligibility if enrolled at less than 12 credits. The Federal Pell Grant and many other types of aid will be divided between enrollment periods.

Enrollment changes after a semester has begun, may cause aid to be adjusted. Any charges (tuition, fees, or Bookstore) not covered by financial aid after an adjustment is made will become the student’s responsibility and will have to be repaid.

Financial aid funds are awarded under the assumption that students will attend school and be successful for each semester that they are enrolled. When a student withdraws, the student may no longer be eligible for the full amount of financial aid originally awarded. Adjustments to financial aid will be made for attendance as stated in the Attendance and Return of Funds Policies.

Enrollment Level  Credit Hours   Pell Grant Eligibility
Full-time 12 or more credits per semester Eligible for 100% of your Pell Grant and other aid as stated on your Financial Aid Award Letter.
Three-quarter time   9 - 11 credits per semester Eligible for approximately 75% of your Pell Grant. Other financial aid may be reduced or canceled.
Half-time   6 to 8 credits per semester Eligible for approximately 50% of your Pell Grant. Other financial aid may be reduced or canceled.
Less than half-time  1 - 5 credits per semester You may be eligible for a Pell Grant. Other financial aid may be canceled, unless it was awarded specifically for less than half-time enrollment.

If your financial aid is canceled, any charges against your financial aid (tuition, fees, or Bookstore) will become your personal responsibility to be repaid by you.

Remedial coursework 

Remedial coursework prepares a student for study at the postsecondary level.  A federal regulation limits the number of remedial course credits that can be considered for financial aid eligibility.

  • A maximum of 30 credits of remedial credits can be used to determine enrollment level for federal financial aid purposes.
  • Once a student has attempted 30 remedial credits, he/she is not eligible to receive federal aid for remedial courses in future semesters.
  • This rule applies whether or not the student received aid for the earlier enrollment in remedial courses.
Repeated coursework

Federal regulations limit the number of times a student may repeat a course and receive financial aid for that course.

  • A student may receive aid to repeat a previously passed course one additional time. Once a student has completed any course twice with a passing grade, he/she is no longer eligible to receive aid for that course.
  • A student may receive aid when repeating a course that was previously failed (F, W, WI, and NC) regardless of the number of times the course was attempted and failed.
  • If a student retakes a course that is not aid eligible, a recalculation of aid is done to exclude the credits for the repeated course. If a balance is due after the recalculation, the student must make payment in order to retain the course.
  • This rule applies whether or not the student received aid for earlier enrollments in the course.
  • Students must also adhere to Delta College’s repeated course and Standards of Academic Progress policies. For more information on these, please review the Delta College catalog.
Return to Title IV (R2T4) policy
Returning Funds for Title IV Aid Recipients Who Withdraw

If a recipient of Title IV grant or loan funds withdraws from a school after beginning attendance, the amount of Title IV grant or loan assistance earned by the student must be determined. If the amount disbursed to the student is greater than the amount the student earned, the unearned funds must be returned. If the amount disbursed to the student is less than the amount the student earned, and for which the student is otherwise eligible, he or she is eligible to receive a post-withdrawal disbursement of the earned aid that was not received.

The Higher Education Amendments of 1998, as well as the program integrity regulations in 2010, set forth regulations governing the treatment of Title IV funds when a student withdraws from an institution.

There are three types of withdrawals that fall under the return to Title IV (R2T4) federal calculation regulations:

  1. Official Withdrawals – student has completed the formal drop process via the Add/Drop Form at the Registrar’s Office in person, mail, fax, email from their Delta webmail or dropped courses through their WebAdvisor account.
  2. Unofficial Withdrawals If a student begins to attend class, receives federal Title IV aid, but then ceases to attend class without providing official notification to the college, the Federal Government considers this to be an "unofficial withdrawal". For Title IV purposes, the withdrawal date for students who unofficially withdraw is the instructor’s reported last date of attendance.  The refund rules for Title IV aid recipients who withdraw are then followed to determine the unearned portion of Title IV aid that must be returned to the appropriate aid program(s).
  3. Module Withdrawals – A module is defined as a course or courses in a program that do not span the entire length of the payment period or semester. If a student withdraws from an individual module and does not complete all of the days s/he was initially scheduled to prior to ceasing attendance, a return of Title IV funds calculation must be performed to determine the percentage of financial aid earned. The days in all modules for which the student initially registered are included in the total number of calendar days within the payment period, except for any scheduled breaks of at least five consecutive days. This is true even if the institution cancels a class or drops the student from a module due to lack of prerequisite or for other reasons. 

If a student provides written confirmation of his/her intent to attend a future module within the semester, it is not necessary to perform a re-calculation, however the student’s future attendance within the semester must be tracked. If it is determined that the student failed to attend a future module, a recalculation must be performed.

Determining Withdrawal Date:  When a student receives an F, W or WI grade, his/her withdrawal date is always the last date of academic attendance as determined by the school from its attendance records.

When a student is considered to have withdrawn, as described above, during a payment period or semester in which they have begun attendance and received federal Title IV financial aid, Delta College is required to determine the amount of earned and unearned Title IV aid. A student is only eligible to retain the percentage of Title IV aid disbursed that is equal to the percentage of the payment period or semester that was completed by the student. The unearned Title IV aid must then be returned to the appropriate federal aid program(s). If more than 60% of the payment period or semester has been completed by the student, no Title IV aid needs to be returned.

According to college policy, when a student withdraws prior to the end of the refund period, all of that semesters Federal Title IV aid will be billed back to the students account. Most non-federal aid will also be billed back to the students account. All Title IV aid will be included in the calculations outlined below. Depending on the results of the calculations, some or all of the federal grant aid may be re-disbursed to the student account.

The following steps will be followed when determining the amount of Title IV aid to be returned upon withdrawal:

  1. Determine percentage of payment period or semester completed by student. Divide the number of days attended by the number of days in the payment period or semester. If the calculated percentage exceeds 60%, then the student has earned all Title IV aid for the payment period or semester.
  2. Calculate the amount of earned Title IV aid. Multiply the percentage of the payment period or semester completed by the total Title IV aid disbursed (or could have been disbursed as defined by late disbursement rules).
  3. Determine amount of unearned aid to be returned to Title IV aid program accounts. Subtract the amount of earned federal aid from the total amount of federal aid disbursed. The difference must be returned to the appropriate Title IV aid program(s).
  4. Return of Title IV funds by institution and student:
      • Delta College will return unearned Title IV aid up to an amount that is equal to the total institutional charges for the payment period or semester multiplied by the percentage of the Title IV aid that was unearned.
      • The student will be responsible for the balance of unearned Title IV aid. In most cases, this will be the amount of federal aid funds a student received in the form of a refund for non-institutional expenses multiplied by the percentage of Title IV aid that was unearned.
      • If the student’s portion of aid to be returned is a loan, Delta College will restore the loan funds to the appropriate federal account, with a resulting charge to the students account. The student will be responsible for repaying Delta College for the loan overpayment. The terms of the original loan repayment agreement will apply. If the students portion of aid to be returned is an overpayment of a grant.  Delta College will restore the grant funds to the appropriate federal account, with a resulting charge to the students account. The student will be responsible for repaying Delta College for the grant overpayment.
         

Delta College must offer any post-withdrawal disbursement of loan funds within 30 days of the date it determined the stu­dent withdrew. Delta College must always return any unearned Title IV funds it is responsible for returning, within 45 days of the date the school determined the student withdrew.

Delta College must disburse any Title IV grant funds a student is due as part of a post-withdrawal disbursement within 45 days of the date the school determined the student withdrew and disburse any loan funds a student accepts within 180 days of the date the school determined the student withdrew.

Unearned Title IV Funds will be returned to federal programs in the following order:

  1. Federal Unsubsidized Stafford Loan
  2. Federal Subsidized Stafford Loan
  3. Federal PLUS Loan
  4. Federal Pell Grant
  5. Federal Supplemental Educational Opportunity
  6. Iraq and Afghanistan Service Grant

Example of a Title IV Return of Funds calculation for a Title IV recipient who is considered to have withdrawn:

Institutional Charges  $5,000
Title IV Loans                 $2,000
Title IV Grants                $1,000
Total Title IV aid            $3,000
 

Student withdrew on 35th day of a 110 day payment period or semester.

Percent Earned    35/110 = 32%
Percent Unearned 100% - 32% = 68%

Amount of Title IV aid unearned $3,000 x 68% = $2,040

Delta College is responsible for returning the lesser of unearned Title IV aid ($2,040 from above) or unearned institutional charges ($5,000 x 68% = $3,400). Delta College will return aid as follows:

  • Title IV Loans $2,000 (students remaining loan debt = 0)
  • Title IV Grants $ 40

The students responsibility is amount of aid unearned ($2,040) less school responsibility ($2,040), which is zero. You will be responsible for repaying any unearned aid that you were not entitled to receive.  You must make arrangements with Delta College's Student Finance Office to repay the unearned funds in full.

Books that are not needed because of dropped/canceled classes should be returned to the Bookstore for credit to your account.

The example shown above does not reflect every student refund situation that may exist.  Questions regarding the Return of Title IV Funds Policy for students who withdraw should be addressed to the Delta College Financial Aid Office.

Delta College reserves the right to amend the Return to Title IV (R2T4) Policy at any time in order to comply with Federal regulations

Standards of academic progress

Students must make satisfactory progress toward the completion of a certificate or associate degree to be eligible for financial aid. Standards of Academic Progress for Financial Aid Recipients are applied to all students receiving financial assistance after they have attempted 12.9 credits at Delta College. When calculating Standards of Academic Progress, all courses in which a student was enrolled must be considered, even if financial aid was not awarded for all previous semesters.

Standards of Academic Progress are checked annually following the completion of the Winter semester for all financial aid programs.  Academic progress is also re-evaluated when a student changes the degree they are seeking.  Academic progress may also be evaluated after the conclusion of each semester for those students who are only working towards a certificate that is less than one year in length.

Components of Standards of Academic Progress
Grade Point Average
 

Students must earn a cumulative grade point average (GPA) consistent with the Academic Status Scale below. In calculating the GPA on this scale, all credits attempted at Delta College are included (grades of A through F, P, NC, I, W, and WI, plus all repeated courses).

Attempted Delta Credits   Minimum GPA Required
0-12.9  0.00
13-23.9 1.50
24-44.9 1.75
45 or more 2.00
 
Completion Rate
 

Students must satisfactorily complete a minimum of 67 percent of all credits attempted at Delta College and transfer credits accepted toward program completion.

  • Completion rate is calculated by dividing the total number of credits earned plus transfer credits accepted toward program completion by the total number of credits attempted plus transfer credits accepted toward program completion.
  • Classes in which students received grades of A, A-, B+, B, B-, C+, C, C-, D+, D, D-, or P are considered to be satisfactorily completed.
  • Grades of W, WI, (No Credit), F, and I (incomplete) are not considered to be satisfactory completions.
  • For students repeating courses, the lower grade is considered to be an unsatisfactory completion and the higher grade is considered to be satisfactory completion. Federal financial aid can be used to pay for only one repeat of a previously passed course.
  • For students choosing the Fresh Start option, grades changed to P are considered to be satisfactory completions. Grades changed to NC are unsatisfactory completions. (Students choosing this option should be aware that grades of  C-, D+, D, and D-, which are considered satisfactory completions, will be converted to NC grades, which are not satisfactory.)
Program Length
 

A financial aid recipient must complete the certificate or associate degree he or she is pursuing within a specified time frame. This time frame is defined by Federal regulations as 150 percent of the published length of the program. Maximum program length can be determined by multiplying the number of credits required for a program of study by 1.5. For example, if 62 credits are required to complete a specific associate degree, Federal financial aid can be used to pay for no more than 93 credits (62 credits x 1.5 = 93 credits). All semesters, attempted courses, repeated courses and transfer credits are taken into consideration when calculating the maximum number of credits.  Students will be reviewed on a case by case basis throughout the academic year.  If at any point during the academic year the student reaches their maximum program length maximum, they will no longer be eligible for aid during the current academic year.

  • All semesters are taken into consideration when determining the maximum number of credits, whether or not students received aid during those semesters.
  • All grades (A through F, P, I, NC, W, WI) and repeated courses are counted in determining the maximum number of credits.
  • Transfer credits must be taken into consideration when calculating the maximum number of credits; a maximum of 38 transfer credits can be accepted toward an associate degree. Transfer credits accepted toward a certificate program cannot exceed one-third of the published length of a certificate program.

Students not maintaining Standards of Academic Progress with regard to grade point average, completion rate, program length or a combination of factors will not be eligible for financial aid.

A student has the right to appeal for future financial aid if documentable circumstances can be shown to have negatively impacted academic success during a specific semester(s). Students may request a review by the financial aid office at any point during the academic year after completing satisfactory grades for a semester.  After the review, if it is determined during any point of the academic year the student is now meeting satisfactory academic standards for financial aid recipients, the student will be considered for aid for any future semesters in the academic year.

For more information on the financial aid probation appeal process, please visit the student Portal.

Financial Aid Probation Appeal

Resources

We want to make sure you have enough information to make an informed decision when it comes to financial aid. Here are a few resources that might help you along the way.


SUCCESS TIP: Apply for financial aid, even if you don't think you'll qualify.

It's not a waste of time because lots of scholarships require you to apply for financial aid. Plus, you may be eligible for more than you think.


Less than half the cost

Less than half the cost of a public university, with the same quality education.

Interest free tuition plan

An interest-free tuition plan that spreads out your payments.

50 percent

Half of Delta students receive some form of assistance.


"Without the scholarships and financial aid I received at Delta College, I wouldn't be where I am today." 

Jody Hill
Delta Graduate & Student Athlete
Going for the pros