You want an affordable college education. You want to go to NCCC. Now how do you pay for it? NCCC's Financial Aid Office can help you navigate the intimidating maze of financial aid.
At NCCC, we know that the financial aid process can seem a little confusing, particularly if you have never applied for student aid in the past. That’s why our friendly financial aid staff works with you to help you understand financial aid and navigate through the application process. If you have any questions, please call us at (716) 614-6266, e-mail us at firstname.lastname@example.org, or come visit us at our office on the first floor of the Notar Administration Building.
The starting point for all financial aid is the Free Application for Federal Student Aid (FAFSA). The FAFSA application is available on-line, and our Financial Aid Office will gladly assist you if you have any problems with the on-line application process. Once the application is submitted, it takes a day or two for the school to receive the electronic reply from the US Department of Education. The information contained in this document allows the Financial Aid Office to calculate the amount of financial aid each student will receive. Click here for more information and instructions on How To Apply for Financial Aid.
Upon completion of the application process, the Financial Aid Office will prepare a package of financial aid for you based upon your eligibility and financial need. The office staff can also answer questions about the timing of aid payments, explain eligibility criteria, and advise you about alternative financing sources.
Federal Pell Grant
Eligible students at NCCC (see "Eligibility Criteria", above) who have not received a Bachelor's degree may receive this grant based on financial need. Federal Pell is a grant that does not need to be repaid. Click here for Information about Federal Pell Grants from the U.S. Department of Education.
New York State Tuition Assistance Program (TAP)
NY TAP grants are available to New York State residents who are also U.S. citizens or eligible non-citizens and are enrolled full-time (at least 12 credits in a semester). Click here for Information about TAP from the NYS Higher Education Services Corporation.
Federal Supplemental Educational Opportunity Grant (SEOG)
Pell-eligible students (see above) at NCCC may also be eligible for an additional grant under this program. Click here for Information about Federal SEOG Grants from the U.S. Department of Education. Awards are limited to those with the lowest Expected Family Contributions (EFC's) from their FAFSA applications.
Federal Work-Study Program
A limited number of part-time jobs are available on-campus or near campus through the Federal work-study program. Students must meet the basic eligibility requirements and have financial need. Click here for Information about Federal Work-Study from the U.S. Department of Education.
Federal Direct Student Loan Program- Stafford Student Loans
All eligible students at NCCC are able to borrow a traditional “student loan” from the Federal Direct Student Loan Program. These loans are called Federal Stafford Loans, and the interest on these loans may be subsidized and/or unsubsidized. Click here for Information about Stafford Student Loans from the U.S. Department of Education.
Federal Direct Loan Program– Parent PLUS Loans
The parents of dependent students at NCCC are generally able to borrow a parent PLUS loan from the Federal Student Loan Program. Parents can borrow up to the full cost of attendance (see below) minus any other aid received. Click here for Information about Parent PLUS Loans from the U.S. Department of Education.
Upon review of your completed financial aid applications, and any other necessary documents (see "How to Apply for Financial Aid" ), the Financial Aid Office will prepare a "package" of various aid programs for you based upon your eligibility. The package may contain a combination of grants, work programs, scholarships, and loans. The award package will be sent to you in the form of an "Award Letter".
Your Award Letter will contain the following information:
- your cost of attendance (see below - see also Tuition and Fees),
- the expected family contribution (EFC) (from your FAFSA),
- award amounts for all programs listed above, including an estimate of your TAP award,
- campus employment (work-study) if awarded,
- the student's loan eligibility,
- outside private scholarships, if received by the College Association Office or reported by the student,
- other resources applicable to student’s circumstances (e.g., veterans, VESID), and
- instructions for accepting or declining any financial aid offered to you.
Cost of Attendance
The Financial Aid Office has developed the following Cost of Attendance "budgets" to help you plan for the expenses associated with your education. These budgets include estimated costs for both “direct costs” (like tuition and fees) for which the school will send you a billing statement, and “indirect costs” (such as transportation) that are estimates of what an average student spends (i.e. to travel back and forth to school). These “indirect costs” are not part of any billing statement that you will get from NCCC, but should be considered when you plan for your total expenses.
How Cost Budgets are Created: The tuition and fees, books and supplies, and institutional housing costs (direct costs) are average costs for these institutional charges. All other amounts (indirect costs) are estimates based upon what an average student would routinely spend while living moderately in Niagara County. If your expenses are significantly higher than the Cost of Attendance budget amounts shown below, you should speak with the Financial Aid Office. We may be able to adjust your financial aid eligibility based on those higher costs.
View the NET Price Calculator.
Financial "Need" Definition
One of the eligibility criteria for many of the financial aid programs is "financial need" or simply, "need". The figure known as "need" is calculated by subtracting your Expected Family Contribution (EFC from the FAFSA) from your Cost of Attendance (above). The total of all of your financial aid from need-based programs cannot exceed your "need" as calculated by this simple formula. There are also a few financial aid programs that are not based upon need, and these may be available to you as long as your total financial aid (from both need-based and non-need-based programs does) not exceed your Cost of Attendance.
- SUNY Smart Track Financial Literacy Website
- How to Apply for Stafford Student or Parent PLUS loan
- Federal Financial Aid Information Mainpage
- Listing of School Codes for Financial Aid
- New York State Higher Education Services Corporation
- New York’s College Savings Program
- FastWeb.com - Free Scholarship Search Service
Some Useful Telephone Numbers
Federal Financial Aid: 1-800-433-3243 or 1-319-337-5665
New York State Financial Aid: 1-888-697-4372
Direct Loan Servicing Center: 1-800-848-0979
Telephone: (716) 614-6266