Financial Aid Basics

Students and their family have the primary responsibility to pay for education. Financial Aid is intended to supplement the difference between the cost of education and the expected family contribution.

Several financial aid programs are available to help meet educational expenses. The Financial Aid Office can help determine the financial aid programs for which students are eligible.

Students must be admitted to a program at SCTCC that leads toward a degree or other recognized diploma in order to receive financial aid. Financial aid is only available for credits registered before the end of the add/drop period each semester.

For more information, call (320) 308-5961 or 1-800-222-1009, or e-mail the Financial Aid Office.

Details about Types of Financial Aid

Grants and scholarships are gifts which do not have to be paid back.

Federal Pell Grant:
Undergraduate students may apply for the Federal Pell grant by completing the Free Application for Federal Student Aid (FAFSA).  Pell grants vary and grant recipients must be enrolled in an eligible program and maintain satisfactory academic progress in their course work. More information on the Federal Pell Grant.

Minnesota State Grant:
Minnesota residents may apply for the Minnesota State Grant by completing the Free Application for Federal Student Aid (FAFSA).  Grant amounts vary and recipients must be enrolled in an eligible program and maintain satisfactory academic progress in their course work. More information on the Minnesota State Grant.

Federal Supplemental Educational Opportunity Grant (FSEOG):
This federal program is designed for students who have exceptional financial need.  Funds are limited and are distributed under the discretion of the Financial Aid Office. More information on the FSEOG.

MnSCU Two-Year Occupational Grant Pilot Program
The program provides financial assistance to students enrolled in qualifying career and technical programs at MnSCU two-year colleges so that students can complete the program within two years or less and find employment in a high-demand occupation. It was created by the 2015 Minnesota Legislature and will be implemented for the 2016-2017 and 2017-2018 academic years as a pilot program. See for qualifying programs.

Post Secondary Child Care Grant:
This is a grant for Minnesota residents to help offset the cost of daycare to attend college.  Funds are limited and awarded based on application date and income basis (income amount includes all taxed and untaxed income). For additional child care information, go to

SCTCC Foundation:
The SCTCC Foundation awards various scholarships to students.  

Work-study is need based employment through the Financial Aid Office.

Federal Work-Study (FWS) and State Work- Study (MNWS):  These programs employ students both on and off campus.  Pay is determined in accordance with the minimum wage laws.  These programs provide for up to 20 hours of employment per week.  Total work-study earnings are limited; the Financial Aid Office sets the limit. More information on Federal Work Study.

Loans are financial aid that must be paid back.

Federal Direct Loan: Whether or not students qualify for a grant, most students can get help to meet their educational expenses by borrowing money under the Federal Subsidized Direct Loan or the Unsubsidized Direct Loan, as long as the student is in a program that leads toward a degree or a diploma. Loan limits vary per academic year of education. More information on Federal Direct Loans.

Federal Parent Loan for Undergraduate Students (PLUS) Loan:  The Federal PLUS Loan can be used by the parents of dependent students who are in need of additional funds for the education of their children. This program allows parents to borrow up to the cost of education minus other aid. More information on the PLUS Loan

Tax Benefits

Students may be eligible to claim either the American Opportunity Credit or the Lifetime Learning Credit.  We recommend that you consult with your own tax professional to see if you qualify for tax benefits. More information on Tax Benefits.

Repay Policy for Complete Withdraw

If you ever consider withdrawing from all of your classes, please be aware federal regulations require repayment of federal aid based on a pro-ration of days of attendance.  The regulations will financially impact any student who withdraws from college prior to the 60% point in a semester. A student who withdraws during the first 60% of a semester will owe tuition and fees according to the institutional policy for the days attended, and the student may have to repay a portion of the federal aid received. 

SCTCC will automatically return both the institutional and student un-earned portion of grant funds.

If a student receives a “0” GPA for the term, the student will be considered to have unofficially withdrawn from college.

If you wish to completely withdraw, please contact the Admissions Office at (320) 308-5089.

Financial Aid Definitions

What is Financial Need?
Financial need is the difference between the cost of education and the expected family contribution calculated by the Federal Processing Center.

What is the Cost of Education?
The cost of education includes tuition, fees, a room and board allowance, books, supplies, a transportation allowance, and a personal expense allowance.

What is Expected Family Contribution?
An amount, determined by a formula called Federal Methodology, that indicates how much of your resources and your family’s resources should be available to help pay for school.  The Expected Family Contribution (EFC) is used in determining your eligibility for federal and state financial aid.  If you have unusual expenses that may affect your ability to pay for school, be sure to notify your financial aid administrator.
What is the Award Year?
The award year for SCTCC starts with Fall Semester, followed by Spring Semester and Summer Terms.  Summer is awarded separately from Fall and Spring semesters.


Contact Info

320.308.5000 or 1.800.222.1009

1540 Northway Drive
St. Cloud, MN 56303