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.
UPCOMING virtual FINANCIAL AID EVENTS
The financial aid process can be a little daunting, so we hold regular workshops to help you through the process. See you there!
Students must complete the 2021-2022 FAFSA to apply for financial aid for the Fall 2021, Winter 2022 and Spring 2022 semesters. The last day to complete the FAFSA for this academic year is June 30, 2022.
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 to view this information.
- From the Portal homepage, select Student Self-Service.
- Select Financial Aid.
- Click on "Required Documents" from the financial aid drop down menu
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|
|Spring 2021||2020-2021||March 1, 2021||March 5, 2021|
|Fall 2021||2021-2022||July 1, 2021||July 15, 2021|
|Winter 2022||2021-2022||November 1, 2021||November 8, 2021|
|Spring 2022||2021-2022||March 1, 2022||March 4, 2022|
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
On March 23, 2018, the President signed Public Law 115-141, the Consolidated Appropriations Act, 2018, which included an amendment to Section 473(b) of the Higher Education Act, authorizing the Children of Fallen Heroes Scholarship.
Under this scholarship, a Pell-eligible student whose parent or guardian died in the line of duty while performing as a public safety officer is eligible to receive a maximum Pell Grant for the award year for which the determination of eligibility is made.
To qualify for this scholarship, you must be Pell-eligible and have a Pell-eligible Expected Family Contribution (EFC) and be less than 24 years of age or enrolled at an institution of higher education at the time of your parent’s or guardian’s death. In subsequent award years, you continue to be eligible for the scholarship, as long as you have a Pell-eligible EFC and continue to be an eligible student.
For purposes of the Children of Fallen Heroes Scholarship, a public safety officer is:
As defined in section 1204 of title I of the Omnibus Crime Control and Safe Streets Act of 1968 (42 U.S.C. 3796b); or
A fire police officer, defined as an individual who is serving in accordance with State or local law as an officially recognized or designated member of a legally organized public safety agency and provides scene security or directs traffic in response to any fire drill, fire call, or other fire, rescue, or police emergency, or at a planned special event.
The Children of Fallen Heroes Scholarship requires the institution’s financial aid administrator (FAA) to determine and document, in collaboration with the student, that the student was less than 24 years of age or enrolled at an institution of higher education at the time of his or her parent’s or guardian’s death. A single, national data source of individuals who died in the line of duty while serving as a public safety officer does not exist. Here are some examples of documents that you will need to submit to serve as proof of eligibility:
- A determination letter acknowledging eligibility for certain federal benefits under the Public Safety Officers Benefit (PSOB) program administered by the Department of Justice;
- A written letter of attestation or determination made by a state or local government official with supervisory or other relevant oversight authority of an individual who died in the line of duty while serving as a public safety officer as defined above;
- Documentation of the student qualifying for a state tuition or other state benefit accorded to the children or other family members of a public safety officer consistent with the definition in 42 U.S.C. 3796b, or as a fire police officer as noted above; or
- Other documentation the school determines to be from a credible source that describes or reports the circumstances of the death and the occupation of the parent or guardian.
If you have any questions or believe that you qualify for this scholarship, please contact our office.
You will be eligible for the maximum Pell Grant for your enrollment status and cost of attendance.
To be considered, complete the FAFSA each academic year. 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 over award 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 Federal Student Aid by logging in with your FSA ID
To apply, complete the FAFSA each academic year. 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.
To be considered, complete the FAFSA each academic year.
This award is 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.
Students may receive scholarship assistance for up to four academic years and a total of up to $11,200. Awards are for an academic year with the amount determined by the student’s enrollment status. Full-time students can receive up to a maximum of $2,800 per academic year, three-quarter time students up to $2,100, and half-time students up to $1,400 or an amount equal to all of the student’s eligible tuition in that academic year, whichever is less. Future awards are subject to available and approved funding.
You must meet Satisfactory Academic Progress and maintain a minimum cumulate GPA of 2.25.
For additional award eligibility requirements, please visit MI Student Aid.
The Fostering Futures Scholarship provides scholarships to young adults who have experienced foster care. The State of Michigan works with individuals, community organizations, and businesses to encourage charitable contributions that go towards Fostering Futures Scholarship funds. Awards are paid directly to the student's institution to assist with unmet need in one or more of the following categories: Tuition/Fees, Room/Board and Books/Supplies.
You must meet Satisfactory Academic Progress.
For additional award eligibility requirements, please visit MI Student Aid.
Futures for Frontliners is a scholarship program that provides eligible frontline workers with tuition assistance to pursue an associate degree or a certificate at their local community college. This program is a last dollar scholarship and pays in-district rates for one degree. Some course specific fees are not eligible for the frontliners scholarship.
For additional award eligibility requirements, please visit Futures for Frontliners
To be eligible you must complete the FAFSA and have successfully completed the MI GEAR Up six-year program.
Each participating MI-GEAR UP partner will be allotted a specific number of educational awards. They must provide a rank order list of 2017 graduating seniors who have successfully participated in the program for six years and met the nomination requirements. Only nominated MI-GEAR UP participants will be eligible to be considered for an educational award. The Michigan Department of Treasury, Student Scholarships and Grants (SSG), will provide educational awards to the highest ranked students based on the amount of educational funds available.
Selected nominees may receive an educational award for up to three academic years to be completed within four years from the date of award. The maximum award amount a student may receive is $1,000 per year for at least half-time enrollment, which will be divided into equal amounts by semester or term. The maximum educational award is $3,000. MI-GEAR UP funds may be used for educational cost, including Estimated Family Contribution (EFC); not to exceed the cost of attendance. Future awards are subject to available and approved funds. Eligibility for late awards can be made if funds are available and must be awarded and used within six years of high school graduation.
You must meet Satisfactory Academic Progress.
For additional award eligibility requirements, please visit MI Student Aid.
The Michigan Competitive Scholarship (MCS) program is available to undergraduate students pursuing their first degree at an approved Michigan postsecondary institution. Students must demonstrate both financial need and merit. Eligible applicants must achieve a qualifying SAT score of at least 1200 prior to entering college. (NOTE: Prior to the Class of 2017, eligible applicants must have achieved a qualifying ACT score of at least 23 (composite) or 90 (scaled score) prior to entering college.)
Applicants must file the FAFSA. Students whose FAFSA is received by March 1 will receive priority consideration. The FAFSA allows students to list multiple colleges when filing. Because Student Scholarships and Grants (SSG) does not know which college the student will select, the award is based on the first college listed. Students must file a renewal FAFSA every year to determine possible continued program eligibility.
Awards are restricted to tuition and mandatory fees. Awards pay up to a maximum of $1,000 per academic year at an approved Michigan community college or public university. Students must be enrolled at least half-time. Program eligibility ends when a student has received a baccalaureate degree, after completing the equivalent of ten semesters (or term equivalent), or when a student has been out of high school over ten years, whichever occurs first.
Be sure to provide your Social Security number to SSG by phone your senior year in high school.
You must meet Satisfactory Academic Progress and maintain a cumulative GPA of 2.0.
For additional award eligibility requirements, please visit MI Student Aid.
Michigan Reconnect Scholarship
Reconnect is a scholarship program for Michigan residents 25 years or older and provide tuition assistance to pursue an associate degree or certificate at their local community college. This program is a last dollar scholarship and pays in-district rates for one degree. Some course specific fees are not eligible for the Reconnect scholarship.
For additional award eligibility requirements, visit Michigan Reconnect
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 credit hours per academic year and pays most fees up to $250 each semester. TIP requires you to be enrolled in at least six credit hours within your degree or certificate program. You must complete the FAFSA before any eligibility can be determined.
To receive TIP at Delta College, you must indicate Delta as your college selection choice each year. You can do this by listing Delta as your 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..
You must also submit a copy of your high school diploma/GED to the Financial aid Office to be considered for this award.
You must meet Satisfactory Academic Progress.
For additional award eligibility requirements, please visit MI Student Aid.
To be eligible you must complete the Michigan Indian Tuition Waiver Application.
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.
If you maintain consecutive enrollment each semester, the Financial Aid Office will process your MITW award each academic year. If you have a break in enrollment, please contact the Financial Aid Office so your award can be processed again.
The BTG provides financial assistance for non credit short-term training programs. Eligibility is determined by financial need. The 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.
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.
This would include money given to the College by a private donor. For additional information please visit the scholarship page.
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?
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.
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.
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.
- 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.
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 rules and regulations
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).
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 more than 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 to Title IV (R2T4) section below for further information regarding your attendance and the effects on your Federal financial aid.
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 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.
- You register for 12 credits on 8/29/20
- We receive your completed FAFSA on 9/1/20
- Census Date is 9/15/20
- You drop a class and are enrolled in 9 credits on 9/09/20
The census date was later than the FAFSA processing date, so Pell is awarded on 9 credits.
- You register for 3 credits on 8/29/20
- Census Date is 9/15/20
- You register for additional classes and are in 12 credits on 9/25/20
- We receive your completed FAFSA on 10/1/20
The FAFSA processing date of 10/1/20 was later than the census date, so Pell is based on the 12 credits.
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.
You are required to be in a Federally approved degree program to be eligible for financial aid. Only classes that are required for your Delta degree will be considered for Federal funding by your aid awards, including the Pell Grant, Federal Stafford Loans and the Tuition Incentive Program.
If you are receiving Federal financial aid and choose to take classes that are not required for your program of study, you will need to plan on making additional payment arrangements.
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 Federal 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, they are 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.
Federal regulations limit the number of times a student may repeat a course and receive Federal 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, they are 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.
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 page for more information.
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 to Title IV (R2T4) sections.
|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.
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:
- 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 Self-Service Student Planning account.
- 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).
- 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 student's account. Most non-federal aid will also be billed back to the student's 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:
- 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.
- 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).
- 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).
- 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:
- Federal Unsubsidized Stafford Loan
- Federal Subsidized Stafford Loan
- Federal PLUS Loan
- Federal Pell Grant
- Federal Supplemental Educational Opportunity
- 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:
Student withdrew on 35th day of a 110 day payment period or semester.
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 Billing 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 for students who withdraw should be addressed to the Delta College Financial Aid Office.
If your enrollment has been impacted by COVID-19 and you are receiving Federal aid, please contact the Financial Aid Office for guidance.
Delta College reserves the right to amend the Return to Title IV (R2T4) process at any time in order to comply with Federal regulations.
Students must make satisfactory progress toward the completion of an approved 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 once they have attempted credits at Delta College. All semesters and courses in which a student was registered must be considered, even if financial aid was not awarded. Standards of Academic Progress is checked after each semester.
On a qualitative basis, 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 considered, including courses below 100 level.
|Attempted Delta Credits||Minimum GPA Required|
|45 or more||2.00|
This method of evaluation is consistent with Federal Title IV regulations which require that students achieve a cumulative “C” average by the end of their second academic year.
The Financial Aid Office’s Standards of Academic Progress policy quantitatively measures student advancement in two manners – through completion rate and program length.
To be eligible for financial aid, students must successfully complete at least 67% of the courses they attempt at Delta College. The following criteria are used to evaluate completion rate:
- 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, NC (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.
A financial aid recipient must complete their approved certificate or associate degree within a time frame which, by Federal regulation is 150% of the published length of the program. Maximum program length can be determined by multiplying the number of credits required for a program based on the Delta College catalog by 1.5 to determine the maximum number of credits. All semesters, attempted courses, repeated courses and transfer credits are taken into consideration when calculating the maximum number of credits.
- 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 determined to not be satisfactory maintaining academic progress with regard to grade point average, completion rate, or a combination of factors will be given one semester in a warning status. After a warning semester, students who continue to be below the standards of academic progress will not be eligible for further 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).
Revised January 2019
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.
Delta College has several resources for our community and students to increase financial knowledge and well-being.
financial aid complaints
Students who have complaints about financial aid should first work with a Financial Aid Advisor in the Financial Aid Office to resolve the dispute.
Financial Aid Office (D101)
Should the dispute not be resolved after working with the financial aid staff, students may ask to be forwarded to the Director of Financial Aid.
The Financial Aid Office will review all complaints sent directly to the Director of Financial Aid, Dean of Students, Vice President of Student and Educational Services, President of the College and all other officials who may receive a complaint regarding issues with financial aid. All complaints are taken seriously, and will be viewed and responded to promptly.
Formal complaints can be submitted via the Delta College General Concern/Complaint Reporting Form
If the dispute is not resolved to the student's satisfaction, there are resources outside of the college that may assist:
- Federal Ombudsman for federal loan disputes
U.S. Department of Education
FSA Ombudsman Group
830 First Street, NE
Mail Stop 51444
Washington, DC 20202-5144
- Office of Inspector General for suspected fraud or abuse in federal aid programs
800-MIS-USED or 800-647-8733
- Michigan Attorney General Office of Consumer Protection
P.O. Box 30213
Lansing, MI 48909
517-373-1110, toll free 877-765-8388
- Consumer Financial and Protection Bureau
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 of a public university, with the same quality education.
An interest-free tuition plan that spreads out your payments.
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."
Delta Graduate & Student Athlete
Going for the pros