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Financial Aid Policies

Please click on the link below to read the policy.

Basic Eligibility Requirements

Calculating Need

Consortium Agreement/Attending Multiple Colleges

PDF file Consumer Information

English as a Second Language (ESL)

Enrollment Level Definition and Exceptions

Enrollment Level Requirements by Aid Type

Enrollment Level Updates

Falsification of Information

PDF fileGlossary of Financial Aid Terms

Satisfactory Academic Progress (SAP)

Basic Eligibility Requirements

While each aid program has special requirements, the following are basic requirements that apply to Federal, State, and some Institutional and Private aid programs.  In order to be eligible to receive financial aid, you must:

  • Complete the Free Application for Federal Student Aid (FAFSA) to be considered for grants, loans, work-study, and some scholarships. Students are strongly encouraged to complete the FAFSA by March 1 for priority consideration;

  • Have earned a High School Diploma (not High School Certificate), G.E.D., or have completed Home School graduation requirements;

  • Have financial need (except for some loan programs and many scholarship programs) as usually demonstrated from filing a FAFSA;

  • Be taking courses that lead to a PDF filedegree or certificate;

  • Be a U.S. citizen or eligible non-U.S. citizen;

  • Have a valid Social Security Number;

  • Be registered with Selective Service, if required;

  • Be making satisfactory academic progress;

  • Use federal student aid only for educational purposes;

  • Not owe a refund on a federal grant or be in default on any federal educational loan; and

  • Not be receiving financial aid from another institution concurrently.

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Calculating Need

Financial Aid is determined by subtracting the expected family contribution (as determined by the FAFSA) from the appropriate cost of attendance (budget).

    Cost of Attendance
-   Expected Family Contribution
=  Financial Need

Cost of attendance is based on the average educational and living expenses for a student attending LCC. It does not represent an individual student's actual costs. The cost of attendance includes:

  • Tuition and fees
  • Books, supplies, and equipment
  • Room and board
  • Transportation
  • Miscellaneous personal expenses
  • Loan fees

Access myLCC to view your Cost of Attendance

Expected Family Contribution is based on the student's dependency status. If a student is a dependent student (as determined by the FAFSA), the federal government assumes that parents have the primary obligation to provide for the student's cost of education to the extent that they are able, based on a standardized method of determining parental contribution. The second obligation falls upon the student to contribute to his or her own education from personal assets and earnings which may include the use of student loan funding.

If a student is a self-supporting or an independent student (as determined by the FAFSA), the federal government assumes since a student is the prime beneficiary of education, the student has a primary obligation to provide for the cost of education to the extent the student is able, based on a standardized method of determining student contribution. The student's expected contribution will come from personal earnings, spouse's earnings, if applicable, savings and assets which may include the use of student loan funding.

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Consortium Agreements/Attending Multiple Colleges

In some cases, students choose to attend two colleges simultaneously. In most cases, a student cannot receive Federal or State financial aid at both institutions simultaneously and consequently, financial aid would be processed by only one of the colleges where the student is enrolled.

In the case where a pre-articulated Consortium Agreement exists between two institutions, the student's combined enrollment will be used to determine aid eligibility. Only the following Consortium Agreements have been established with LCC:

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English as Second Language (ESL)

Students enrolled in a program that consists solely of English as a Second Language (ESL) instruction are eligible for Federal Student Aid funds only from the Federal Pell Grant program. ESL courses are not considered remedial.

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Enrollment Level Definition and Exceptions

Financial aid is offered to students based on enrollment as a full-time student. If a student enrolls less than full-time, certain awards may be prorated. Eligibility for all awards is based on the student’s enrollment level. The chart below defines enrollment level based on the number of credits a student enrolls for:

Enrollment Level Credits requied for Enrollment Level
Full-Time 12+ credits
Three-Quarter-Time 9 - 11.99 credits
Half-Time 6 - 8.99 credits
Less Than Half-Time Less than 6 credits

According to federal regulations, certain types of credits cannot be used when calculating a student’s enrollment level.

Audited courses are taken for no grade. Therefore, courses being audited cannot be considered part of a student's enrollment level for financial aid purposes.

Non-credit courses are not given credit hours earned or a grade. Therefore, non-credit courses cannot be considered part of a student enrollment level for financial aid purposes.

Remedial/Developmental Courses are defined as courses that are below the secondary (high school) education level. Once students attempt more than 30 remedial/developmental credits, the Financial Aid Office must begin limiting federal financial aid eligibility. Even if financial aid funds were not used for the prior coursework, the Financial Aid Office must limit federal financial aid eligibility.

For example, if a student attempted 30 remedial/developmental credits and the following semester register for a total of 12 credits with 4 out of the 12 credits being considered remedial/developmental, the financial aid package will be based on 8 credits.

Below are courses that LCC considers remedial/developmental.

ESFN 090 ENRI 152 ENRI 162 MATH 001
MATH 045 MATH 050 MATH 107 RDGR 101
RDGR 102 RDGR 103 READ 007 READ 100
READ 108 READ 111 READ 114 READ 116
READ 118 READ 150 READ 160 READ 165
READ 170 READ 175 SPEL 150 VCBL 150
WRIT 100 WRIT 110 WRIT 117 WRIT 119
WRTR 101 WRTR 102 WRTR 103  

Repeated courses are defined as courses that the student enrolls for and attempts more than once. Federal regulations limit the number of times a student may repeat a course while receiving financial aid for that course. This limit applies even if the student did not receive financial aid for earlier enrollments in the course. If a student retakes a course that is not eligible for financial aid, it will not be counted as credit when determining federal financial aid eligibility (such as the Federal Pell Grant and Federal Student Loans). Financial Aid is recalculated by excluding the credits for the repeated course. Note: Students must also adhere to the College's Repeat Enrollment Policy.

  • A student may receive financial aid to repeat a previously passed course one additional time.
  • A student may receive financial aid when repeating a previously failed course (0.0 or Z), regardless of the number of times the course was attempted and failed.
  • A student who is taking a course that requires the student to enroll in for multiple times to meet degree requirements may receive financial aid for these courses. (repeatable course list)

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Enrollment Level Requirements by Aid Type

The U.S. Department of Education requires the student's enrollment level to be locked on a specified date (Census Date) for students who receive Federal Pell Grants. If a student is not registered before the Census Date, the enrollment level will be locked on the date that the student is paid Federal Pell Grant. The Census Dates for the 2013-14 academic year are:

Fall Semester 2013: September 12, 2013
Spring Semester 2014: February 3, 2014
Summer Semester 2014: June 26, 2014

All other aid programs, including Federal Direct Stafford Loans, do not have enrollment level locked on the Census Dates.

Please see the chart below to determine the enrollment requirements for most aid programs.

Program  Enrollment Level Percentage of Award Paid
Federal Pell Grant Full-time 100%*
Three-Quarter-time 75%*
Half-time 50%*
Less than Half-time See Pell Chart PDF file
Federal Direct Loans (Subsidized, Unsubsidized, PLUS) Full-time 100%
Three-Quarter-time 100%
Half-time 100%
Less than Half-time 0%
Federal Supplemental
Educational Opportunity Grant
Full-time 100%
Three-Quarter-time 100%
Half-time 100%
Less than Half-time 0%
Other Programs Full-time See myLCC for Awards
Three-Quarter-time
Half-time
Less than Half-time
*Some restrictions apply. See Pell Chart PDF file for more details.

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Enrollment Level Updates

Adding, dropping, withdrawing, or changing a course to audit status may cause an enrollment level change. Enrollment level changes may affect eligibility for funds.

Add – adding a course to the student schedule.

Drop – removing a course from the student schedule where instructor approval is not required. A drop also removes the course from the student’s academic record. Generally, this means that the student will no longer be charged for all or part of the course. A course cancelled by LCC is also considered a dropped course.

Withdrawal – removing a course from the student schedule by issuing a grade of W (withdrawal) for the course. The course will be part of the student’s academic record.

Federal Pell Grant Federal Direct Loans Other
  Enrolled and Disbursed (paid) on Census Date Enrolled but not disbursed (paid) on Census Date Not Enrolled on Census Date Disbursed (paid) Federal Direct Loans Not disbursed (not paid) Federal Direct Loans All other aid types
Add Added credits will not count towards eligibility. Added credits will not count towards eligibility. Prior to being Disbursed (Paid): Added credits will count towards eligibility.

After being Disbursed (Paid): Added credits will not count towards eligibility.
Added credits will count towards eligibility. Added credits will count towards eligibility. Added credits will count towards eligibility.
Drop (course will not show on transcript) or changing a course from graded to audited Dropped or audited credits will no longer count towards eligibility and disbursed (paid) amounts will decrease if enrollment level changes. Prior to being Disbursed (Paid):  Dropped or audited credits will no longer count towards eligibility.

After being Disbursed (Paid): Dropped or audited credits will no longer count towards eligibility and disbursed (paid) amounts will decrease if enrollment level changes.
Prior to being Disbursed (Paid): Dropped or audited credits will no longer count towards eligibility.

After being Disbursed (Paid): Dropped or audited credits will no longer count towards eligibility and disbursed (paid) amounts will decrease if enrollment level changes.
Dropped or audited credits will not count towards eligibility. If now less than 6 credits, paid loans will be cancelled and billed to student account and funds not disbursed will be cancelled. Dropped or audited credits will not count towards eligibility. If now less than 6 credits, funds not disbursed will be cancelled. Dropped or audited credits will not count towards eligibility. Previously paid awards may adjust based on new enrollment level.
Withdraw Withdrawn credits will continue to count towards eligibility and disbursed (paid) amounts will not decrease. However, you may be subject to an R2T4 calculation. Prior to being Disbursed (Paid): Withdrawn credits will no longer count towards eligibility.

After being Disbursed (Paid): Withdrawn credits will continue to count towards eligibility and disbursed (paid) amounts will not decrease. However, you may be subject to an R2T4 calculation.
Prior to being Disbursed (Paid): Withdrawn credits will no longer count towards eligibility.

After being Disbursed (Paid): Withdrawn credits will continue to count towards eligibility and disbursed (paid) amounts will not decrease. However, you may be subject to an R2T4 calculation.
Withdrawn credits will continue to count towards eligibility. Paid loans will not be cancelled. However, you may be subject to an R2T4 calculation. Withdrawn credits will not count towards eligibility. If now less than 6 credits, funds not disbursed will be cancelled. However, you may be subject to an R2T4 calculation. Withdrawn credits will continue to count towards eligibility. However, you may be subject to an R2T4 calculation.

Title IV Refund (R2T4) Calculation - Federal regulations require schools to perform a Title IV Refund (R2T4) Calculation if one of the following occurs:

  1. Student completely withdraws or drops from all courses
  2. Student withdraws or drops from a course and the student’s remaining course(s) have not yet begun
  3. Student fails to pass or earn credit in any course

R2T4 determines what portion of disbursed aid the student earned and what portion the student did not earn. Unearned aid must be refunded to the federal government. LCC will immediately refund the portion of unearned aid due to the federal government and bill the student. The student must immediately repay the billed amount to LCC.

Unearned aid is returned to the Federal Government in the following order for any programs utilized that semester:

  • Federal Unsubsidized Stafford Loans
  • Federal Subsidized Stafford Loans
  • Federal PLUS Loans
  • Federal Pell Grants
  • Federal SEOG
  • Other Title IV assistance for with a return of funds is required
  • State financial aid awards
  • Institutional financial aid awards
  • Private or public donor awards
  • Other institutional awards
  • Student

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Falsification of Information

Falsification of information submitted by the student or parents for the purpose of receiving financial assistance may result in cancellation of assistance, billing back for assistance received, and referral to the appropriate federal authorities. If students purposely give false or misleading information, they may be fined $10,000, sent to prison, or both by the federal government.

The Financial Aid Office may be required to verify information provided on the FAFSA by requiring documentation of income or other types of financial assistance. In addition, if the Financial Aid Office has conflicting information or has reason to believe that student information may not be valid, further investigation will occur prior to financial aid being awarded and/or refunded.

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Satisfactory Academic Progress

Federal regulations require the Financial Aid Office to monitor the progress of all students toward the completion of a degree. This monitoring process is called Satisfactory Academic Progress (SAP). The Department of Education requires that a school monitor SAP both quantitatively and qualitatively. In order to remain eligible for federal and state aid, it is essential to maintain SAP. Some institutional aid programs and some external scholarships may also require students to meet SAP.

Every semester, the Financial Aid Office will monitor each undergraduate student's academic progress to determine financial aid eligibility. The following applies to all students regardless if the student received financial aid during his or her academic career. To receive financial aid, students must have:

  • A cumulative GPA of a 2.0 or better in all courses attempted at Lansing Community College.
  • A cumulative completion ratio of 70% or better of all courses attempted at Lansing Community College (transfer credits, withdrawals, incompletes, audits, repeated courses, and all attempted courses are reflected in this calculation).
  • Completed their program of study prior to attempting 150% of the credit hours for the declared program of study (including transfer credits).

Students will be placed on Financial Aid Warning if they meet one of the following criteria:

  • New Students: The student has completed at least one class with a 1.0 or better and does not meet the SAP standards after the first semester of attendance.
  • Continuing Students: The student was meeting the SAP standards; however, after grades were posted for the most recent semester, the student completed at least one class with a 1.0 or better, but the overall grades fell below the minimum SAP standards.

Student who are placed in Financial Aid Warning must electronically submit a Warning Contract. Once the Warning Contract has been approved, students can receive financial aid for the next semester of attendance. After the next semester of attendance, the student must meet the overall SAP standards or earn a minimum semester grade point average of a 2.0 and complete 100% of the courses attempted (no W, 0.0, Z, or I grades) until they meet the overall SAP standards.

Note: The table below represents a student pursuing a general associate degree requiring 60 credits. In order for the student to successfully complete their program within 150% of the credit hours required and maintain a cumulative completion ratio of 70%, the student must earn the following minimum credits.

Semester

Credits
Earned

Credits
Attempted

Completion
Ratio
Percentage

Maximum
Timeframe
Percentage

1

11

15

73%

25%

2

21

30

70%

50%

3

32

45

71%

75%

4

42

60

70%

100%

5

53

75

70%

125%

6

63

90

70%

150%

There may be extenuating circumstances which cause students to not meet the minimum SAP standards. If extenuating circumstances exist, students may appeal the suspension of financial aid by electronically submitting the appropriate appeal form. Students can determine which appeal form must be submitted by accessing myLCC. In some circumstances, both appeal forms must be submitted.

Students who appeal the SAP Policy will be notified of a decision via myLCC. If an appeal decision is not made before the start of the semester, students should consider dropping all classes within the 100% refund period unless they are able to pay for the classes using their own funds, if the appeal is denied.

If a student's appeal is approved and financial aid is reinstated, it will be reinstated for the payment period in which the documentation was received. The Payment Period is the first day of the semester through the day before the next semester. A student on an approved appeal is required to earn a minimum 2.0 overall and complete 100% of the courses attempted (no "W", "I", "Z" or "0.0" grades) each semester to retain eligibility.

If a student's appeal is denied, the student may continue to attend classes by paying for all tuition and fees.

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Financial Aid at Lansing Community College

Financial Aid Office
TLC Bldg, Room 127
Phone: (517) 483-1200
Additional contact information »

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Office Hours
Monday - Thursday: 8am – 6pm
Friday: 8am – 4pm

School Code: 002278