SUNY Oneonta

Federal Financial Aid Programs

Federal PELL Grant Program: Students may receive a Federal PELL Grant payment for up to 12 semesters. To be eligible, a student must be a citizen or a permanent resident of the United States matriculated in a degree program taking at least 6 s.h. per semester. Also, a student cannot be in default on a previously borrowed educational loan or owe a refund on a previous grant.

Students use the FAFSA to apply at www.fafsa.ed.gov. The application must be submitted no earlier than January 1 for the next academic year and no later than May 1 during the academic year for which aid is sought.

In cases where significant family financial changes occur because of disability; total unemployment, separation/divorce, or death of the major wage earner, a Special Circumstances calculation may be used to reflect these changes. Students whose families experience these changes should contact the Financial Aid Office for assistance.

Federal Supplemental Educational Opportunity Grant (SEOG): SEOG provides financial assistance to students who would not be able to attend the College without the benefit of this grant. Eligible students must be citizens or permanent residents of the United States enrolled in an undergraduate degree program for their first bachelor’s degree and be taking at least 6 s.h.

Through use of the FAFSA and other supporting documents, the College selects the recipients of Federal Supplemental Grants. The awards range from $100 to $4,000 per year, not to exceed one-half of the cost of education. A student may not receive over $8,000 for four undergraduate years. Students may receive Supplemental Grants (not exceeding $10,000 total) for five years if they are enrolled in a designated five year program or a program of remediation.

Federal Perkins Student Loan Program: This loan program enables eligible students to borrow long term, low interest (5%) educational loans. Students may borrow up to $20,000 for undergraduate work and up to $40,000 for all graduate and undergraduate work combined. Students may borrow only $4,000 for each year of undergraduate study. Through use of the FAFSA and other supporting documents, the College selects the recipients for this program. Eligible students must be citizens or permanent residents of the United States and be enrolled half-time or more.

For borrowers who received their first Perkins Loan after July 1, 1987, repayment begins nine months after termination of study. The student may have up to 10 years to repay the principal and interest depending on the amount borrowed. Deferment of payment may be secured if the student continues as a half-time matriculated student, obtains certain types of active military service, Peace Corps or VISTA service, or if the borrower becomes unemployed. Deferment provisions are explained during the Exit Interview. See the accompanying chart for a sample repayment schedule (at 5% interest).

Federal Work Study Program: SUNY Oneonta participates in this Federally sponsored work program and identifies eligible students through the use of the FAFSA and other supporting documents. Job placement occurs after the student has been awarded work study. Eligible students must be citizens or permanent residents of the United States and enrolled at least half-time in a degree program. Students may be employed on or off campus and are paid every two weeks.

Federal Direct Subsidized/Unsubsidized Loan: Federal Loans are fixed interest loans the student borrows in their name. Students may apply for a subsidized or unsubsidized Direct Loan by submitting a FAFSA. The results of the need analysis form must be on file in the Financial Aid Office. First time borrowers will be emailed instructions on how to complete an electronic Master Promissory Note (MPN). When the loan is approved, the student will receive a notice of approval.

Eligible applicants must be citizens or permanent residents of the U.S. admitted to or enrolled at least half-time as a matriculated student. Students who demonstrate financial need may have part of the Direct Loan subsidized, meaning no interest accrues on the subsidized portion of the loan during the in-school period. Students may borrow up to $5,500 per year as freshmen ($3,500 of which may be subsidized if need is determined), $6,500 as sophomores ($4,500 of which may be subsidized), and $7,500 each for the junior and senior years ($5,500 of which may be subsidized). In no case may a student borrow more than $31,000 as a dependent student ($57,500 as an independent student) for undergraduate study or $138,500 for all years of study (both graduate and undergraduate).

All of the same provisions of the Subsidized Loan apply to the Unsubsidized Loan except the borrower accepts responsibility for the interest payment or deferment while attending college.

Federal Direct PLUS Loans: Graduate students or parents of undergraduate students may borrow up to the cost of attendance minus other financial aid to be repaid beginning 60 days after receipt of funds. At the borrower’s choosing, a deferral of repayment may be requested from the Federal Direct Loan Program.

Financial Aid to Native Americans: Eligible applicants must be one quarter American Indian, Eskimo, or Aleut; enrolled as a member of a tribe, band, or group recognized by the Bureau of Indian Affairs; enrolled in or accepted for enrollment in an approved four year degree program; and have financial need. Students must apply to the Bureau of Indian Affairs each year, submit a tribal enrollment certification, and file the FAFSA. Additional information may be secured from: U.S. Department of Interior, Bureau of Indian Affairs, New York Liaison Office, Federal Building, Room 523, 100 South Clinton Street, Syracuse NY 13202.

Federal TEACH Grant Program: TEACH is a grant with a teaching service obligation that provides up to $4000 per academic year for full time study to students in education majors. In exchange for the grant, the student must agree to obtain employment and serve as a full time teacher in a high need field (currently defined as Bilingual education and English language acquisition, Foreign language, Mathematics, Reading specialist, Science, Special education) in a school serving low income students for at least four academic years within eight years of completing the program of study. If the student does not satisfy the service obligation, the amounts of the TEACH Grants received are treated as a Federal Direct Unsubsidized Loan and must be repaid with interest. SUNY Oneonta has defined the Oneonta majors eligible to participate in this program on our
www.financialaid.oneonta.edu website.

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