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There are three basic steps used to determine
the amount of financial aid you are eligible to receive.
 Step
One: Determining Your Student Budget
Step
Two: Determining Your Eligibility
Step
Three: Determining Your Financial Aid Package
Important Things You Should Know
Step One:
Determining Your Student Budget
A student budget that includes standard fees
and costs is assigned to all financial aid recipients. The
budget is based on data provided by the California Student
Aid Commission and the Chancellor's Office for California
Community Colleges.
Standard student budgets are constructed recognizing the different
costs for students living at home or living away from home.
An additional $181/unit for enrollment fees is added to the
budget for out-of-state students.
| School Year (Fall &
Spring Semester) |
| |
At Home
|
Away from Home
|
|
Enrollment Fees
|
$560*
|
$ 560*
|
|
Health Fee
|
32
|
32
|
| Student Activity Card |
16 |
16 |
|
Student Center Fee
|
10
|
10
|
|
Student Rep Fee
|
2
|
2
|
|
Books & Supplies
|
1566
|
1566
|
|
Room & Board
|
4266
|
10692
|
|
Transportation
|
1116
|
1116
|
|
Personal Expenses
|
3024
|
2754
|
|
TOTAL
|
$10,592
|
$16,748
|
*Enrollment fees are based on 14 units per semseter @ $20/per unit and are subject to change.
Budget Adjustments
If you have additional expenses such as childcare, elder care,
disability related expenses (which are not paid by an outside
funding agency), or uninsured medical or dental expenses,
please let us know. Also, if you must purchase a computer,
or supplies required for programs that are in excess of the
standard budget allowance, you may request adjustments to
your budget.
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Step
Two: Determining Your Eligibility
A: Financial Need
The Expected Family Contribution (EFC-located on the upper
right hand corner of your SAR) is the amount of money you
and your family are expected to contribute toward your educational
costs. Your EFC is calculated based on the information you
reported on your FAFSA. Your financial aid eligibility is
the difference between your student budget and your EFC. Funds
are limited and often it is not possible to meet students'
full financial aid eligibility.
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Your Student Budget
|
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- Your Expected Family Contribution (EFC)
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= Your Financial Aid Need |
B: Academic Progress
To receive financial aid, you must maintain Satisfactory
Academic Progress. Federal regulations require that academic
progress be monitored for all periods of enrollment whether
or not you have received financial aid. Students must maintain
a 2.0 GPA, meet the unit completion requirements for their
enrollment status, and not exceed the maximum time frame for
their program. Financial aid checks will not be processed
for students who do not maintain Satisfactory
Academic Progress (SAP). Please read the Standards for
Satisfactory Academic Progress.
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Step Three:
Determining Your Financial Aid Award
Awards are based on student eligibility,
enrollment status, and application deadlines. Once your file
has been reviewed and your eligibility has been determined,
the Financial Aid Office will award you any grant and work-study
funds you are eligible to receive. If you need to borrow student
loan funds, you must complete the loan
application process.
What If My Financial Situation Has Changed?
The Financial Aid Office recognizes that your circumstances
can change. If you or your family's financial situation has
changed, you are encouraged to contact the Financial Aid Office.
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Important
Things You Should Know
SAP and Your Financial Aid - Satisfactory Academic Progress
Policy
Your
Rights and Responsibilities
SAP and Your Financial Aid
Satisfactory Academic Progress (SAP) Policy
The Financial Aid Office is required to measure
your academic progress toward a Certificate of Achievement, Associate degree, or
Transfer program. Federal financial aid and Cal Grants are not available for
Skills Certificate programs.
SAP standards are measured at the end of
Fall and Spring semesters and apply to periods of enrollment
whether or not your have received financial aid.
Financial
aid requirements are different than and separate from Admission & Records'. You must meet Minimum Standard Requirements and not reach your Maximum Time Frame.
These standards apply to federal and state financial aid.
They do not apply to the Board of Governors enrollment
fee waiver (BOG).
After your academic progress is evaluated,
your status will either be Satisfactory, Probation, Suspension, or Ineligible.
Students who have met Minimum Standard Requirements will be Satisfactory.
Students who have not met Minimum Standard
Requirements will be placed on Probation.
- You are still eligible to receive financial aid
while on Probation.
Students who do not meet Minimum Standard Requirements
at the end of their probationary semester, will be
on Suspension for the next term.
- You are not eligible to receive financial aid
while on Suspension. You must complete the Appeal Process to be reconsidered for eligibility.
Students who reach or exceed the Maximum
Time Frame for their program will be on Suspension.
- You are not eligible to receive financial aid
while on Suspension. You may complete the Appeal Process to be considered for eligibility through the completion
of your program.
Minimum Standard Requirements
Maximum
Time Frame Requirement
What
if I'm placed on Probation?
What if I am on Probation due to a Maximum Time Frame Appeal and do NOT meet Minimum Standard Requirements?
How
do I avoid Suspension?
What
if I'm placed on Suspension?
The
Appeal / Reinstatement Process
Other
important info
What
If I Withdraw From Cabrillo?
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Minimum Standard Requirements
- Maintain a Grade Point Average of
at least 2.0 and
- Complete the Minimum Unit Completion Requirement for your enrollment status.
Listed below are the unit completion requirements for each
enrollment status. This is the minimum number of units you
must complete each semester.
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Minimum Unit Completion
Requirement Chart
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| Units Attempted / Enrollment
Status |
Unit Completion Requirement |
| 12+ units = full-time |
12 units |
| 9-11.5 units = 3/4 time |
9 units |
| 6-8.5 units = 1/2 time |
6 units |
| < 6 units = less than
1/2 time |
All units attempted |
Grades of A, B, C, D
and CR are considered complete.
Grades of F, NC, W, MW, I,
and RD are considered NOT complete.
Units attempted are defined as the number
of units that will appear on your permanent academic record.
- If you do not meet Minimum Standard Requirements
you will be placed on Probation.
- If you are already on Probation and do not meet Minimum Standard
Requirements you will be placed on Suspension.
- If you are on Probation due to a Maximum Time Frame Appeal and do NOT meet Minimum Standard Requirements, your status will become Ineligible.
No correspondence will be mailed notifying you of this change.
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Maximum Time Frame Requirement
If you reach the Maximum Time Frame for your
program, your status will be Suspension.
Students who have reached the Maximum Time
Frame of units attempted for their program may complete the Maximum Time Frame Appeal Process. The appeal process for Maximum Time Frame consists of a SAP Quiz, a SAP Appeal form and a complete Educational Plan which you must submit with your appeal to the Financial Aid & Scholarships Office.
If your Appeal is approved, you will be on Probation and given a specific
length of time to complete your program based on your Educational Plan.
While on Probation, you MUST meet Minimum Standard Requirements. If you do not meet these requirements, your status will be Ineligible and you will no longer be able to receive financial aid at Cabrillo College except for the BOG Enrollment Fee Waiver. You can receive the Board of Governors Enrollment Fee Waiver regardless of your SAP status.
If your Appeal is denied, you must successfully complete one semester without financial aid. You may then complete the appeal process again.
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Maximum Time
Frame Chart
|
| Degree Program |
Maximum Time Frame |
| Associate Degree or Transfer
Programs |
90 units |
| Certificate Programs |
45 units |
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What if I'm placed
on Probation?
- You must meet Minimum Standard Requirements
- You are still eligible to receive financial aid
If you do NOT meet the Minimum Standard
Requirements during your probationary semester, you will be
placed on Suspension.
If you are on Probation due to a Maximum Time Frame Appeal and do NOT meet Minimum Standard Requirements, your status will become Ineligible.
No correspondence will be mailed notifying you of this change.
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What if I'm on Probation due to a Maximum Time Frame Appeal and do NOT meet Minimum Standard Requirements?
If you are on Probation due to a Maximum Time Frame Appeal and do NOT meet Minimum Standard Requirements, your status will become Ineligible.
No correspondence will be mailed notifying you of this change.
Once you become Ineligible, there are no further appeals and you will not be eligible for Reinstatement.
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How do I avoid Suspension?
- Meet Minimum Standard Requirements and
- Do not reach the maximum time frame for your program
Tip: Take a manageable course load.
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What if I'm placed
on Suspension?
- You can still receive a BOG enrollment
fee waiver;
- You cannot receive additional financial
aid unless you submit an appeal and it is approved. (See Appeal Process)
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up
The Appeal/Reinstatement Process
Suspension Appeal Process
Students who have been suspended as a result of unusual
circumstances (i.e. health, family, adversity etc.) may complete the Suspension Appeal Process only if the unusual
circumstances have been resolved. The Appeal Process consists of a SAP Quiz and a SAP Appeal form which must be submitted to the Financial Aid & Scholarships Office. You must pass a SAP Quiz before you can submit your Appeal. This information will be mailed to you if you are suspended.
If your appeal is approved, your staus will be Probation and you will regain your financial aid eligibility. Eligibility
is not retroactive.
If your appeal is denied, you must successfully complete at least one semester without financial aid. You may petition for Reinstatement.
SAP Quiz Deadlines
Fall 2008: December 5, 2008
Spring 2009: May 22, 2009
SAP Appeal Deadlines
Fall 2008: December 12, 2008
Spring 2009: May 29, 2009
Reinstatement Process
Reinstatement will ONLY be considered if your Appeal has been denied.
To be considered for Reinstatement, you must:
- Meet Minimum Standard Requirements and complete at least three degree applicable units;
- Meet with an academic counselor and obtain a current Educational Plan;
- Submit a Request for Reinstatement Form with your Educational Plan to the Financial
Aid & Schoalrships Office the following semester.
If you meet the Reinstatement requirements,
you will be placed on Probation and
will be eligible for financial aid consideration.
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Other important info
Prior College Units/Degrees: All prior
units and degrees from Cabrillo and/or other colleges that
are included in your permanent academic record will be counted
towards the maximum time frame of units attempted.
Bachelor's Degree: If you have a Bachelor's
degree, you must meet with an academic counselor and submit
an Educational Plan for your academic goal at Cabrillo College.
Remedial/ESL Courses: If you are required
to take remedial and/or ESL courses in order to meet your
educational goal, your maximum time frame can be extended.
Remedial coursework is limited to 30 funded units.
Course Repetitions: You may repeat
courses in accordance with Admissions & Records' policy
and the Cabrillo College Catalog.
If you have any questions regarding
these Standards for Satisfactory Academic Progress, please
contact the Cabrillo College Financial Aid Office.
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What If I Withdraw From Cabrillo?
Repayment
If you receive federal financial aid and withdraw from ALL
of your classes before completing more than 60% of
the semester, you will be required to return any unearned
federal funds. The Financial Aid Office will calculate the
amount. Federal Work-Study earnings are excluded from the
calculation. Students who plan to completely withdraw should
file an Intent to Withdraw form.
Your withdrawal date will be:
- the date you notify the Financial Aid Office that you
intend to withdraw, or
- the midpoint of the semester if you leave without notifying
the college, or
- your last date of attendance in class.
- Students who receive all F's or NC's will be considered
unofficially withdrawn and the 50% mark will be used.
Within 30-days, we will notify you of any
funds you may owe, or offer you any earned funds which were
not disbursed.
Using your withdrawal date, the Financial Aid Office will
calculate how much of the federal aid you have earned.
You have 45 days from the date you withdraw
to:
- Repay the unearned federal aid in full to the College, or
- Set up a satisfactory repayment arrangement with the Department of Education.
Grant overpayments will be reported on day 46 if you fail to pay the overpayment and a national hold will be placed on your student aid eligibility.
NOTE: If you drop all of your classes BEFORE November 7, 2008 for the Fall semester, or BEFORE April 23, 2009 for the Spring semester, you will owe a repayment.
If you officially drop all of your classes AFTER these dates you will NOT owe a repayment. |
To determine if you were eligible to receive
federal funds even though none were disbursed, the Financial
Aid Office must have:
- received your valid SAR with a calculated EFC, and/or
- originated your loan request and you are a first-year,
first-time borrower that has completed the first 30 days
of the semester.
If you did not receive all of your earned
federal aid and your withdrawal date has been determined,
we will send you a letter offering the aid. You will need
to respond within 14 calendar days indicating whether or not
you want the funds. If you request the aid, a check will be
mailed to you within 90 days of the College's determination
that you withdrew.
Fraud
Any individual who fraudulently manipulates the financial
aid programs or process for personal gain will be reported
to the Department of Education any individual committing fraud
on an application for financial aid.
Cases of suspected fraud, including knowingly
misrepresenting family or financial application information,
purposeful certification of false statements as true and correct,
or intentional falsification or misrepresentation on, or alteration
of documents used in the financial aid process that results
in the receipt of aid, will be reported for possible collection
of funds and/or prosecution.
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Your Rights and
Responsibilities
You Have The Right To:
- Know what financial aid programs are available;
- Know the deadline for submitting applications for each
of the programs available;
- Be informed of financial aid policies and procedures;
- Know how your financial eligibility was determined and
what resources (such as your income, assets, parental contribution
and other resources) were considered in the calculation
of need;
- Know what portion of your financial aid must be repaid,
and what portion is gift or aid received from work;
- Know how the Financial Aid Office determines whether you
are making satisfactory
academic progress and what the consequences
are if you are not;
- Request an explanation of the various programs in your
financial aid package;
- Know the terms of any loans you receive, and your deferment,
cancellation and forbearance rights.
You Have The Responsibility To:
- Maintain Satisfactory
Academic Progress
- Complete all application forms accurately and submit them
on time;
- Provide correct information. Misrepresentation of information
on financial aid applications is a violation of federal
law and may be a criminal offense (see section on Fraud);
- Report any change in the information used to determine
your eligibility, including name, family size, or financial
resources;
- Return all documentation, verification, corrections, and/or
new information requested by either the Financial Aid Office
or the agency to which you submitted your application, in
a timely manner;
- Read and understand all forms that you are asked to sign
and keep copies of them;
- Accept responsibility for all agreements that you sign;
- Perform the work that is agreed upon in accepting a Federal
Work-Study award in a satisfactory manner;
- Notify the Financial Aid Office immediately if you withdraw
from school or reduce enrollment below six units.
- Be aware of repayment
procedures;
- Attend an Entrance Loan Workshop prior to applying for
a loan and an Exit Interview prior to receiving your second
disbursement, graduation, dropping below 6 units, or leaving
Cabrillo;
- If you are a recipient of a student loan, notify your
lender and the Financial Aid Office of changes in your enrollment
status;
- Repay all loans including the interest on those loans;
- File all required student loan deferment or cancellation
forms on time.
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