Welcome to the Office of Financial Aid
The Financial Aid Office at EMCC is designed to provide financial assistance to eligible students from federal, state, institutional, and private sources of funding.
One of the most common questions the financial aid office receives is "What is the financial aid process at Estrella Mountain Community College?" To get the answer to this question, see the Financial Aid Process page.
Types of Aid
Federal student aid at EMCC includes: Grants, Loans, Scholarships and Work Study.
Pell Grant: A Federal Pell grant, unlike a loan, does not have to be repaid. Federal Pell Grants usually are awarded only to undergraduate students who have not earned a bachelor's or a professional degree. (In some cases, however, a student enrolled in a post baccalaureate teacher certification program might receive a Federal Pell Grant.) The amount you get will depend on your:
- Financial need
- Your cost of attendance
- Your enrollment status
- Your plans to attend school for a full academic year or less
SEOG Grant: To get an FSEOG, you must fill out the Free Application for Federal Student Aid (FAFSA®) so your college can determine how much financial need you have. Students who will receive Federal Pell Grants and have the most financial need will receive FSEOGs first. The FSEOG does not need to be repaid.
Direct Subsidized Loans are loans made to eligible undergraduate students who demonstrate financial need to help cover the costs of higher education at a college or career school. Here’s a quick overview of Direct Subsidized Loans:
- Direct Subsidized Loans are available to undergraduate students with financial need.
- Your school determines the amount you can borrow, and the amount may not exceed your financial need.
- The U.S. Department of Education pays the interest on a Direct Subsidized Loan
○ While you’re in school at least half-time
○ for the first six months after you leave school (referred to as a grace period)
○ during a period of deferment (a postponement of loan payments).
Direct Unsubsidized Loans are loans made to eligible undergraduate, graduate, and professional students, but in this case, the student does not have to demonstrate financial need to be eligible for the loan. Here’s a quick overview of Direct Unsubsidized Loans:
- Direct Unsubsidized Loans are available to undergraduate and graduate students; there is no requirement to demonstrate financial need.
- Your school determines the amount you can borrow based on your cost of attendance and other financial aid you receive.
- You are responsible for paying the interest on a Direct Unsubsidized Loan during all periods.
- If you choose not to pay the interest while you are in school and during grace periods and deferment or forbearance periods, your interest will accrue and be capitalized (that is, your interest will be added to the principal amount of your loan).
Scholarships are gift aid. They generally don't need to be repaid. There are thousands of them, offered by schools, employers, individuals, private companies, nonprofits, communities, religious groups, and professional and social organizations. View Scholarship information on our Scholarships Page.
Federal Work Study
Federal Work-Study provides part-time jobs for students with financial need, allowing them to earn money to help pay education expenses. The program encourages community service work and work related to the student’s course of study.
Here’s a quick overview of Federal Work-Study:
- It provides part-time employment while you are enrolled in school.
- It’s available to students with financial need.
- It’s available to full-time or part-time students.
- It’s administered by schools participating in the Federal Work-Study Program. Check Jobs and Employment page for open positions.
Other important dates and deadlines.
*Every effort has been made to ensure that the information on this web site is accurate; however, due to frequent changes in Federal and State regulations, and revisions to the EMCC operating policies, the information on this page is subject to change without notice.
Only those with a lawful presence in the US may qualify for MCCCD scholarships or federal financial aid. Any information you provide about your legal status when you apply for financial aid or scholarships may be subject to mandatory reporting to federal immigration authorities under AZ law.
Satisfactory Academic Progress (SAP) Spring 2015
- Satisfactory Academic Progress (SAP) eligibility will be evaluated after December 20, 2014. Any student who failed to meet the Satisfactory Academic Progress standards for Spring 2015 receives a message in their my.maricopa.edu account Message Center. Students who are registered for the Spring 2015 semester and do not meet the required SAP standards lose financial aid eligibility. If applicable, students may file a SAP Appeal for review. If the SAP Appeal is denied, it is the student’s responsibility to pay all charges or set up a payment plan to avoid their classes being dropped for non-payment. Any SAP appeals received after January 12, 2015 may result in classes being dropped for non-payment if the student has not paid all charges or set up a payment plan. SAP appeals and supporting documentation may be forwarded to the Financial Aid Office via email: email@example.com or fax: 623-935-8871.