Financial Aid Financial Aid

Financial Aid

Welcome to the Financial Aid Office


The Financial Aid Office is here to make higher education more accessible. Our staff is happy to assist students throughout the financial aid process, from the initial submission of the Free Application for Federal Student Aid (FAFSA) or Maryland State Financial Aid Application (MSFAA), to helping you understand a financial aid award package, or explaining policies and procedures that impact eligibility.

The information on this website serves as a resource to help you through the process of obtaining financial assistance to pay for college. Use the navigation options below for detailed information about the many financial aid opportunities available. The Financial Aid Checklist serves as a helpful reference as you navigate the process.

We are committed to making the financial aid process clear and accessible. Please contact us directly should you have questions. You can reach us via email, phone, or in person.

Contact Information


Phone Icon301.846.2620 (option 1)

Mail Icon[email protected]

Location IconJefferson Hall, 1st floor

Monday: 8:30 a.m. - 6:00 p.m.
Tuesday-Friday* 8:30 a.m. - 4:30 p.m.

*January, July, and August
Available until 6:00 p.m. on Thursdays

FCC School Code: 002071

Summer Financial Aid


Registration for the Summer semester began on April 15, 2022.  There are limitations to financial aid eligibility during the Summer semester.  Please review the following guidelines and information:

  1. Complete your 2021-2022 Free Application for Federal Student Aid (FAFSA). Please keep in mind, it will take us up to two weeks to receive your FAFSA once submitted. Please note that FAFSA for 2022-2023 is also currently available, which is used to determine Fall 2022, Spring 2023, and Summer 2023 eligibility.
  2. Once FCC receives your FAFSA, we will add any additional information we need from you to your PeopleSoft To-Do List. Processing of financial aid verification documents can take 4-6 weeks to complete, so it’s best to get started as early as possible! You can log into PeopleSoft here:
  3. Register for courses required to complete your FCC degree program plan. Federal Student Aid (FSA) cannot be used to pay for courses that are not required for you to graduate.
  4. Meet Satisfactory Academic Progress (SAP) standards at FCC. SAP standards can be reviewed here:
  5. The Financial Aid Office will award Summer Federal Pell Grant eligibility after you register for classes based on the information below. You should allow at least 7-10 days for processing. If applying for a Federal Direct Student Loan, complete a loan application request form. Contact the Financial Aid Office if this is not available on your to-do list to have it added.


The Department of Education allows a student to receive Federal Pell Grant funds for up to 150% of the scheduled Pell Grant award for an award year. The 2021-2022 award year started on July 1, 2021 and ends on June 30, 2022. The Financial Aid Office at FCC awards Summer 2022 as a “trailer semester”, since the term begins prior to June 30, 2022. All Summer sessions are combined and considered to be a single term.  Pell Grant eligibility is based on the total credit hours.

A “trailer semester” is one that looks at remaining eligibility after the Fall 2021 and Spring 2022 semesters to determine remaining eligibility for the Summer 2022 semester. A student who has already received two full-time (12+ credit hours per semester) Pell Grant awards – full-time in the Fall 2021 and full-time in the Spring 2022 semesters, could be entitled to another full-time Pell Grant award during the Summer term; however, you must take a minimum of 6 required credit hours to use any portion of the additional 150% Pell Grant Award during the “trailer semester”. A part-time student (less than 12 credit hours per semester) during the Fall 2021 and/or Spring 2022 semester(s) may have Pell Grant eligibility for Summer without being required to take at least 6 credit hours due to the fact that the first 100% of Pell Grant eligibility has not been exhausted.


Student A - Attended half time (6-8 credits) during the Fall 2021 semester and received a half-time award (equal to 25% of total Pell Grant eligibility for the 2021-2022 award year) and also attended half-time during the Spring 2022 and received another half-time award (equal to 25% of total Pell Grant eligibility for the 2021-2022 award year). The student has a remaining 50% award and could attend up to full-time during the Summer. 100% initial award minus 25% used during Fall 2021 minus 25% used during Spring 2022 equal 50% remaining.

Student B – Attended three-quarter time (9-11 credits) during Fall 2021 and received a three-quarter time award (equal to 37.5% of total Pell Grant eligibility for the 2021-2022 award year) and also attended full-time (12+ credits) during Spring 2022 and received a full-time award (equal to 50% of total Pell Grant eligibility for the 2021-2022 award year). The student has a remaining 12.5% award (100% initial award minus 37.5% Fall 2021 minus 50% Spring 2022 equals 12.5% remaining). The 12.5% award amount remaining is worth 1-5 credits, BUT if the student attends more 6 or more required credits during the Summer they would be eligible to receive Pell up to the 150% award limits. If this same student only attends as less-than-half-time (1-5 credits), they would still be eligible for the 12.5% award from the remaining award year amount as a less-than-half-time student.


If you have not used your 2021-2022 total annual loan limit, and you will be attending at least 6 credits (of coursework required for your FCC degree program), you may apply for a Summer 2022 Federal Direct Student Loan. The 2021-2022 Federal Direct Student Loan Request Form can be found in your PeopleSoft “To Do List”; however, if you have already borrowed a loan during the Fall and/or Spring semester(s), you will need to contact our office in order to have the link to the 2021-2022 Federal Direct Student Loan Request Form added.


Students receiving financial aid must attend courses to qualify for their awards. Failure to attend will result in the student owing a balance with the college. Students will not be administratively expunged for non-attendance and must drop their courses prior to the 100% refund date for their sessions if they do not attend.


If you are awarded a Federal Pell Grant and/or a Federal Direct Loan, please check with the Financial Aid Office prior to withdrawing from any classes. Withdrawing from courses can impact your financial aid eligibility.

If you are awarded financial aid funds and you decide not to attend the class(es), please drop the class(es) prior to the start date. You will not receive any funds for classes in which you never begin attendance.

Financial Aid Forms

2021-2022 Forms


2022-2023 Forms



Other Forms

Consortium Agreement

FCC Financial Aid Consortium is a written agreement between two or more Title IV eligible institutions enabling students to take coursework at different institutions during the same term/semester for the purpose of completing a degree.

Per federal regulations, a student may only receive certain financial aid at one school per term for courses that are applicable to their degree or certificate program.
Under Consortium Agreements for financial aid determination, the “Home School” (the school where the student is enrolled in a degree or eligible certificate program), processes the financial aid award(s) to include the eligible course credits taken at the “Host School” (the school where the student is taking part of his or her program requirements through a consortium agreement to later transfer the course credits to the Home School for degree progression).

Consortium Agreement Guidelines with FCC as the Home School:
  1. Student must be degree seeking at FCC.
  2. Student must be enrolled in at least one course at FCC for the Consortium Agreement term.
  3. Student must have financial aid eligibility as determined by the FAFSA and Satisfactory Academic Progress (SAP) Standards (view for eligibility requirements for federal student aid.)
  4. Each class taken at the “Host School” must be confirmed as required for the student’s FCC degree program.
  5. The student must complete an FCC Financial Aid Consortium Agreement Form (form available in Financial Aid, Jefferson Hall (J-301) attached with a completed Verification of Transferability Registration Form(found at  under Registration Forms) along with proof of registration/payment at the “Host School”.
  6. Payments to the Host School must be made directly by the student since any FCC financial aid refunds may not become available in time for the Host School’s payment due date. FCC cannot transfer funds directly to another institution on the student’s behalf. 
  7. Consortium agreements do not provide “extra” financial aid; they are simply a way to combine all coursework credits taken by a student in a term toward degree completion at the Home School for Financial Aid determination.   It is the responsibility of the student to use any FCC refunds to pay or reimburse themselves for the bill at the Host School.
  8. Consortium agreements are semester specific.  Therefore, students seeking to participate in a consortium agreement for more than one semester, must reapply each term with a new Financial Aid Consortium Agreement form.
  9. At the conclusion of the consortium semester, students should request their Official Academic Transcript from the Host School be sent to FCC’s Welcome and Registration Center for FCC credit evaluation.
  10. If you meet the above requirements for the Consortium Agreement with FCC as the Home School, then please complete the online form.

Consortium Agreement Guidelines with FCC as the Host School:
  1. The student and the Home School initiates the Consortium Agreement Form or blanket Consortium Agreement to FCC Financial Aid for certification.
  2. Federal and state financial aid can only be awarded by the Home School.  Depending on the Home School’s Consortium Agreement conditions, a student may or may not be eligible for non- federal/non-state awards (i.e.: FCC scholarships, grants, and outside scholarships).
Payments must be made to FCC by the listed payment due date. View FCC Drop Zone Payment Due Dates which may be prior to the student’s receipt of funds/refunds from their Home School.

For more information about enrolling as a visiting student, visit

Federal Work Study

Federal Work Study provides part-time jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses. The program encourages community service work and work related to the student's course of study.

Learn More about the Federal Work Study program.

Students interested in a Federal Work Study position should have a valid FAFSA on file and complete the Federal Work Study Eligibility Application.

GPA-SAP Calculators

GPA-SAP Calculator

Class Credits Letter Grade

Total Credits: GPA:



Completion Rate Calculator



Excel GPA Calculator with Projected GPA




To meet the completion rate requirement for Satisfactory Academic Progress, students must have a completion rate of 66.5 or higher, which rounds up to the 67% requirement, after attempted at least 16 or more credits. Students under 16 attempted credits must have a completion rate of at least 50% (after rounding). Please note this calculator only projects the number of courses/credits required to meet the 67% completion rate requirement.

“Completed Credits” must include all college level courses with a grade of D or higher. Only include credits for developmental courses if you earned a C or higher. Also include courses with “P” or “S” grades. Include all transfer coursework listed on your Frederick Community College transcript. Repeated courses only count once toward your “Completed Credits”.

“Attempted Credits” should be the sum of all credits for all courses on your transcript, whether successfully complete or not. This includes courses with Withdrawal (W), Audit (AU), Failing (F), Incomplete (I), Unsatisfactory (U), In Progress (Z), and clemency (FX or DX) grades. Include all transfer coursework listed on your Frederick Community College Transcript.




The Completion Rate Calculator is an unofficial estimate. Please consult your academic advisor for questions regarding advice on academic planning. Additional information regarding Standards of Academic Progress can be found here.


Here's how GPA works:
Grade Evaluation Quality Points
A Excellent 4
B Good 3
C Average 2
D Passing 1
F Failing 0

*Grades of "S", "Z," "U", "AU", and "W" are not included in GPA.

Quality points are the numerical equivalent of grades. Grade Point Average is computed by multiplying the numerical value of the grade, by the number of semester credit hours attempted; then, dividing the total number of quality points, by the total number of credits attempted.

The example below represents five courses, three semester credit hours each, with the following grades: Two A’s, one B, two C’s

Grade Earned
Numerical Value of Grade
Semester Credit Hours per Course
Quality Points
A 4 x     3 credits = 12
A 4 x     3 credits = 12
B 3 x     3 credits = 9
C 2 x     3 credits = 6
C 2 x     3 credits = 6
    15 total credits attempted 45 total quality points

15 total credits attempted 45 total quality points
Total of 45 quality points, divided by 15 credit hours attempted, equals a 3.0 GPA



This GPA calculator is licensed under the Creative Commons Attribution-NonCommercial-ShareAlike License.

Net Price Calculator

Explore how to plan and pay for your college education.


Net Price is the amount that a student pays to attend an institution in a single academic year AFTER subtracting scholarships and grants the student receives. Scholarships and grants are forms of financial aid that a student does not have to pay back.

The net price calculator allow prospective students to enter information about themselves to find out what students like them paid to attend the institution in the previous year, after taking grants and scholarship aid into account.


Please read. This calculator is intended to provide estimated net price information (defined as estimated cost of attendance - including tuition and required fees, books and supplies, room and board (meals), and other related expenses - minus estimated grant and scholarship aid) to current and prospective students and their families based on what similar students paid in a previous year.

By clicking below, I acknowledge that the estimate provided using this calculator does not represent a final determination, or actual award, of financial assistance, or a final net price; it is an estimate based on cost of attendance and financial aid provided to students in a previous year. Cost of attendance and financial aid availability change year to year. The estimates shall not be binding on the Secretary of Education, the institution of higher education, or the State.

Students must complete the Free Application for Federal Student Aid (FAFSA) in order to be eligible for, and receive, an actual financial aid award that includes Federal grant, loan, or work-study assistance. For more information on applying for Federal student aid, go to

Note: Any information that you provide on this site is confidential. The Net Price Calculator does not store your responses or ask for personal identifying information of any kind.

Federal Aid

Federal Pell Grant
Awarded only to undergraduate students who display exceptional financial need and have not earned a bachelor's, graduate, or professional degree. A Federal Pell Grant, unlike a loan, does not have to be repaid, except under certain circumstances.

Federal Supplemental Opportunity Grant
A Federal Supplemental Educational Opportunity Grant(FSEOG) is a grant for undergraduate students with exceptional financial need.

Iraq and Afghanistan Service Grant
A grant that honors those in the U.S. armed forces who lost their lives in Iraq or Afghanistan after 9/11 by providing college funding to their children. Eligibility for this grant is determined by the Free Application for Federal Student Aid (FAFSA) and specific requirements.

Federal Work Study Program
Federal Work Study provides part-time jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses. The program encourages community service work and work related to the student's course of study.

Students interested in a Federal Work Study position should have a valid FAFSA on file and complete the FWS Eligibility Application.

Federal Direct Loan Programs

  • Direct Subsidized Loans are loans made to eligible undergraduate students who demonstrate financial need to help cover the costs of higher education at a college or career school.

  • Direct Unsubsidized Loans are loans made to eligible undergraduate, graduate, and professional students, but eligibility is not based on financial need.

  • Direct PLUS Loans are loans made to graduate or professional students and parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid. Eligibility is not based on financial need, but a credit check is required. Borrowers who have an adverse credit history must meet additional requirements to qualify.
Maximum Annual Loan Limits Chart
Subsidized and Unsubsidized Stafford Loans
Grade Level Dependent Undergraduate Independent Undergraduate
Grade Level 1
(0-27 credits completed)
$5,500 - No more than $3,500 of this amount may be in subsidized loans. $9,500 – No more than $3,500 of this amount may be in subsidized loans.
Grade Level 2
(28 credits completed)
$6,500 - No more than $4,500 of this amount may be in subsidized loans. $10,500 – No more than $4,500 of this amount may be in subsidized loans.
Third and beyond (each year) – FCC cannot process loans at this level. $7,500 - No more than $5,500 of this amount may be in subsidized loans. $12,500 – No more than $5,500 of this amount may be in subsidized loans.
Maximum Total Aggregate Debt from Stafford Loans to complete entire Undergraduate Degree $31,000No more than $23,000 of the amount may be in subsidized loans. $57,500   - No more than $23,000 of this amount may be in subsidized loans.

Other Costs Besides Tuition & Fees

Cost of Attendance
Look at the cost of attendance worksheet to help you budget your expenses.

It’s important to factor in the cost of textbooks when registering for classes and budgeting your expenses for the semester. The cost and number of textbooks required varies from course to course.

A few options are available when considering buying books.

New Textbooks. New books are full price but are in perfect condition. Buying new gives you the chance to take your own notes and make your own marks in a book.

Used Textbooks. Used books are less expensive and are still in good condition. They may have notes or highlighting from a previous owner, but are a more affordable option over new books.

Please note: You can not use financial aid to order books from the FCC Bookstore’s website. To use your financial aid to buy books, you visit the Bookstore with your student ID.

Textbook Buyback. Selling your books back to the FCC bookstore enables you to recoup a portion of your money. Not all books can be bought back, and there are factors that determine how much a book can be bought back for. 

Visit the Bookstore website, for contact and hours information.

Dining Services offers food to go mealcards for your convenience.


Frederick County Transit Bus is available to and from the College. Schedules are available in the Center for Student Engagement, located in the Student Center, H-101, or the College Information Center, located in Jefferson Hall, J-101.

Frederick transit buses stop at the College from 6:40 a.m. – 9:40 p.m., Monday through Friday and 8:00 a.m. – 5:15 p.m. on Saturday. Buses #60, #61 and #80 stop at FCC and drop off in front of Linganore Hall.

Discounted tickets can be purchased at the FCC Bookstore.

Service is available for riders with disabilities; call Transit Services at 301.694.2065 for information.

Click here for complete TransIT route and schedule information.

Important Announcements