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How Aid is Determined

After you file your Free Application for Federal Student Aid (FAFSA), you will receive your Student Aid Report (SAR) which will tell you your Expected Family Contribution (EFC).  Your EFC along with your CCSU budget will determine the amount of financial aid you are eligible to receive.


How your Expected Family Contribution (EFC) is determined

Federal Student Aid uses the data on your FAFSA to calculate an Expected Family Contribution (EFC),  The EFC is an indicator of your family's financial strength to pay for education after high school.  We will subtract your EFC from your total cost of attendance.  The result is your financial need..


How your need is determined

Your financial need is the difference between your Expected Family Contribution (EFC) as determined by Free Application for Federal Student Financial Aid (FAFSA) and the cost to attend CCSU.

Your CCSU Cost of Attendance budget covers direct expenses payable to CCSU and non-direct expenses, such as books, Supplies, miscellaneous, and transportation expenses that may be incurred.


Example of federal need formula

CCSU Budget $22,362    Cost of Attendance for two semesters
Expected Family Contribution (EFC) -3,500    Determined by your FAFSA information
Determined Eligible Need $18,862    The maximum amount of need-based aid


If you suspect that your EFC is incorrect, review your SAR for errors and correct them on your FAFSA.

Awarding of Aid

CCSU offers need-based loans, grants, scholarships and/or work programs based on your eligible need. Any financial need that remains after all awards have been subtracted along with any remaining family contribution, may be met with non need-based programs such as the Stafford Unsubsidized Loan or the Parent Plus Loan. Graduate students also may be eligible for the Grad Plus Loan.


Enrollment status (number of credits) and financial aid

Most financial aid awards assume full time enrollment, and may be cancelled or reduced if a student is at a less than a half time enrollment level.  This enrollment chart shows specific enrollment requirements for most common aid programs.


Credit levels for financial aid

  Full Time 3/4 Time 1/2 Time

Less Than 1/2 Time

Bachelor 12 credits or more 9-11 credits* 6-8 credits* 1-5 credits*
Masters 9 credits n/a 6-8 credits n/a
Certificate - Graduate 9 credits n/a 6-8 credits n/a

*Grant - if eligible to receive a Pell or other grants the amount disbursed will prorate according to enrollment status; i.e., full time - 100%, 3/4 time - 75%, 1/2 time - 50 percent(Pell grant only), and less than 1/2 time - 25%.


Revision and Cancellation of Awards

Financial aid awards may be revised for any of the following reasons:

  •  your residency changes

  •  your enrollment level changes

  •  you decline one or more of your awards

  •  you have received other aid including (tuition waivers, VA benefits, scholarships, etc.

  •  your data and /or parent data was incorrect and the error has been corrected

  •  your summer financial aid has been processed


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