Financial Aid Application Process


Remember to file your FAFSA every year. Follow the highlighted links below to complete your application process online, step by step. For more information, check out this 7-step tutorial.

**Mid Year Transfers begin at Step 3.

Step 1

Obtain a Federal Student Aid ID from the Department of Education. At least one parent must obtain a FSA ID. Students and parents will use this FSA ID to electronically "sign" FAFSA and federal loan applications. Your FSA ID will be used each year you apply for financial assistance.  For more information you can read How to create an FSA ID.



Step 2

Print out and complete the Free Application for Federal Student Aid (FAFSA) on the Web Pre-Application Worksheet. You will use this worksheet to complete the FAFSA..  You should complete your FAFSA about 2-3 weeks after completing your tax returns but no later than March 1 of the award year. After this date your eligibility may decrease as we commit aid to other students. Be sure to choose the "sign application using FSA ID" option. Oneonta's Federal Code is 002847.

At the end of the FAFSA online process, you will have an opportunity to complete a New York State Tuition Assistance Program (TAP) application. If you missed that opportunity, you may complete TAP on the Web now. Oneonta's TAP code is 0930.



Step 3

Check the status of your FAFSA here. You will need your FSA ID(Step 1) to access this site. Transfer students must make sure to release their FAFSA data to SUNY Oneonta. You will make that correction electronically by adding school code 002847.  You should also inform New York State Higher Education Services Corporation (NYSHESC) that you will attend SUNY Oneonta. You  can review your TAP status  and  make corrections electronically by visiting My HESC Account Access.



Step 4

New students will receive an Oneonta username and password (not to be confused with your FSA ID) to access personal records, including financial aid information, at



Step 5

You will receive an eAward notification once the college receives your FAFSA data, and you are accepted by the Admissions Office.  You should review your eAward Letter at eAward letter and (Terms of Financial Aid awards). You will find additional explanation about your award letter and you should become familiar with your Rights and Responsibilities as a student aid recipient. Please contact the Financial Aid Office to decline any part of your award.



Step 6

We may require additional documentation. Failure to submit requested documentation, within 30 days, may result in a forfeiture of your eligibility.We will notify you of any needs that we may have. You may view our institutional verification policies here. You may view your outstanding requirements here. Do not send copies of tax returns unless requested.

Submit completed requirements to:

Fax: (607) 436-2659

Financial Aid Office
123 Netzer Administration Building
Oneonta, NY 13820-4015



Step 7

Once New York State has a completed application and the state budget process has finished, you will receive a TAP award certificate from NYSHESC with your official TAP award.  In the meantime, you may see an estimated TAP award appearing on your Financial Aid Award. You may review your TAP application status and/or make address or college code changes. Oneonta's TAP code is 0930. Questions about your award should be directed to NYSHESC (888-697-4372).



Step 8

If you received a Federal Work Study Award (FWS) as part of your package, please understand this is an opportunity to work and be paid on a bi-weekly basis. Most students use this funding source as extra spending cash during the semester.

All FWS students are required to read the Federal Work Study Guide. The guide will instruct you how to complete the FWS process in order to begin working.



Step 9

Returning  Perkins Loan Borrowers

If you previously borrowed Federal Perkins Loan and completed the electronic MPN in a prior year no action is necessary at this time.

New Perkins Loan Borrowers

You will receive instructions via e-mail, to complete the entrance interview and electronically sign your MPN when it is ready. When it is ready you will follow these Electronic Signature Instructions:

  • Go to the Student Loan Service Center website at
  • Choose the following links: Borrowers, Access and Sign your electronic Documents, Complete Your Entrance Interview and Sign Your Promissory Note. Follow the instructions to Logon. If you recieve an error message stating a Federal perkins award does not exist, contact your financial aid counselor.
  • Once your entrance interview is completed you will be directed to an authentication process. If the student is successfully authenticated, they will be prompted to electronically sign their MPN. If the student fails the authentication process, you will be prompted to print your MPN. You should prepopulate your MPN on the website prior to printing the paper document. All four pages must be printed, filled out correctly and signed. The completed original MPN document is delivered to us for review and further processing. It may take 2-3 weeks for processing. Please send completed MPN's to:

Financial Aid Office
% Perkins MPN
123 Netzer Administration Building
Oneonta, NY 13820-4015

Your rights to borrow funds under this program for Fall 2015 and beyond are time sensitive and subject to change. If you have any questions about the Perkins Loan Process please contact your financial aid counselor immediately.



Step 10

All student/parent loans are processed through the Federal Direct Student Loan Programs. You may not begin this process until July. 

Returning students who have borrowed previously will be processed automatically.

New students seeking student loans will complete two steps:

  1. Complete Federal Direct Loan Entrance Counseling*. You will find SUNY Oneonta listed as SUNY COLLEGE AT ONEONTA.
  2. Next (you may complete this in the same session), you must sign an Master Promissory Note* (MPN). MPNs are good for 10 years and transfer from school to school. If you previously completed an MPN (for example you previously attended a school that participated in Federal Direct Student Loans), you may not have to complete a new one (although it never hurts if you are unsure). You can check if you have a valid MPN by selecting the option 'Completed MPN's' once logged on to

*Please allow 24-48 hours for your data to be transmitted by Department of Education  and processed by SUNY Oneonta.



Step 11

If your parents plan to borrow from the Federal Parent Loan for Undergraduate Students (PLUS), student and one parent must complete these steps: 

  1. Student must log onto myOneonta and accept the PLUS loan. Choose the Student Services & Financial Aid tab, and select Financial Aid. Then select Award, then Accept Award Offer. From the Award Package menu, select Accept Award Offer tab where you will see a drop down box on the PLUS line where you will select Accept. The next box you must indicate how much of your total eligibility you would like to exercise. When you are done you must select the Submit Decision.
  2. The parent borrower must also sign in to  and Apply for a PLUS loan. The parent borrower will need their own FSA ID (See Step 1 above).  You may begin the PLUS loan process beginning ┬áin July. This process will collect borrower information and perform a credit check. You will find SUNY Oneonta listed as SUNY COLLEGE AT ONEONTA. In the event you are denied a PLUS due to credit, please contact the financial aid counselor assigned to your student for additional options.
  3. Once approved, the parent borrower must complete a PLUS Master Promissory Note* (MPN) on the same site (during the same session if you wish).

*Please allow for 24-48 hours for your data to be transmitted by Department of Education and processed by SUNY Oneonta.



Step 12

If, after reviewing eligibility details of the new Federal Teach Grant, you qualify for this program and are interested in learning more, you must complete a TEACH Grant Counseling interview. The second step requires you to make an appointment and meet with your financial aid counselor. If you are still interested, you will be instructed to make an appointment and meet with your Division of Education faculty adviser. Once you have completed these steps in this order, you will meet again with your financial aid counselor to finalize your award and be given instructions on when and how to complete your Agreement to Serve ATS.



Step 13

It is important that you update your local and permanent addresses when necessary.



Step 14

If you borrowed Federal Direct Student Loans,  Federal Perkins Loan or participated in the Federal TEACH Grant during your attendance at SUNY Oneonta, and stop attending at least 6 credits (if, for example, you are transferring, withdrawing or graduating), you must complete a Federal Loan Exit Interview, Federal Perkins Exit Interview (Contact your Financial Aid Counselor for assistance) or Federal TEACH Exit Interview. We will place a hold on your records that will prevent the release of grades, academic transcripts and your diploma until you complete this requirement.

If you need assistance with these steps, please call our office at 607-436-2532.