Financial Aid Eligibility
Eligibility for Federal Student Aid (FSA) is based on your Student Aid Index (SAI) from the Free Application for Federal Student Aid (FAFSA). Eligibility for most state financial aid from the Maryland Higher Education Commission (MHEC) is based on other factors, including your year in school (based on credit hours earned), enrollment status, and Cost of Attendance (COA).
Determining Financial Need
Your financial need is calculated using a simple formula. Your Cost of Attendance (COA) minus your Student Aid Index (SAI) equals your Financial Need.
Student Aid Index
When you submit your FAFSA, the federal government calculates a number called your Student Aid Index (SAI). Think of it as a financial need score rather than a dollar amount. Your SAI can range from -1,500 to 999,999, and the lower the number, the greater your financial need. A negative SAI, -1,500 for example, means you have the highest level of demonstrated need and qualify for the maximum Pell Grant award, as long as you meet all eligibility requirements and have not used up your lifetime Pell Grant limit.
Your SAI is not the amount of aid you will receive, an amount your family is expected to pay, or your final financial aid offer. It is simply a number that financial aid professionals use as one factor when building your aid package.
To find your SAI after submitting your FAFSA:
- Sign in to StudentAid.gov using your account username and password.
- Select your processed FAFSA submission.
- Select "View FAFSA Submission Summary."
- Select the "Eligibility Overview" tab.
View Your FAFSA Submission Summary
Types of Financial Aid
Financial aid programs fall into two categories based on how eligibility is determined: need-based and non-need-based. Once your FAFSA is processed, the Financial Aid Office uses this information to prepare your aid offer.
Courses Not Used (CNU)
Courses Not Used (CNUs) are courses that are not needed to complete your declared major. Federal Student Aid (FSA) and most state financial aid cannot be awarded to pay for CNUs. Taking courses that are not part of your program of study could result in receiving less financial aid and potentially having to pay for courses out of pocket.
It is important to meet with your Academic Advisor prior to registering for courses each semester to ensure you are only enrolling in courses that lead to degree completion for your declared major.
You can review your degree requirements in PeopleSoft to check for CNUs that are in progress.
- Log in to PeopleSoft.
- Select the Academic Records tile.
- The My Academic Requirements page will show all of the courses needed to complete your major.
- The Courses Not Used section will be at the very bottom of the My Academic Requirements page.
- If you are registered for classes that are under Courses Not Used, meet with your advisor to discuss your degree plan.
To change your major, submit a Change of Major Form. In order for your Change of Major to be processed, you must submit the form and meet with an advisor to review degree requirements and discuss your academic and career goals.
Students must adhere to the change of major deadlines published each semester in the credit schedule. Changes after these deadlines will not take effect for Financial Aid purposes until the following academic semester. If a Change of Major is needed, please work with your academic advisor to submit as soon as possible prior to the start of the semester in which you plan to take courses for that major.
The Financial Aid Office will notify you of any CNUs and required action via your myFCC email account. Check your myFCC email frequently to stay informed about your financial aid status.
Verification
Your FAFSA may be selected for verification by the U.S. Department of Education. If this happens, your aid cannot be awarded or disbursed until verification is complete and all required documents are received.
Check your PeopleSoft To-Do List and StudentForms portal for any documents you need to submit. The last day any documents may be submitted for processing for the 2025-2026 academic year is September 19, 2026 (or 120 days after the day of the last semester of enrollment, whichever is earlier). Missing this deadline means you will not receive Pell Grants, Direct Loans, Work Study, or FSEOG for that academic year.
Keep an eye on your myFCC email for updates and hold off on making any FAFSA corrections unless the Financial Aid Office asks you to do so. Unsolicited changes can slow down your aid.
Additional Eligibility Rules
The following rules may affect your eligibility depending on your situation. Select a topic to read about these rules.
Repeating a course may affect your financial aid eligibility depending on how many times you have attempted it and whether you passed or failed.
- You can receive aid to repeat a course you previously failed until you pass it.
- Once you pass a course (grade of D or better), you can receive aid for one additional retake to try for a higher grade.
- After that, your aid will not cover further retakes of that course.
Planning to retake a course? Contact the Financial Aid Office first so we can help you understand how it affects your eligibility.
Your financial aid can cover up to 30 attempted credit hours of developmental (remedial) coursework over your lifetime. After that, your aid will not pay for additional developmental courses, though it may still apply to college-level courses.
To receive Title IV aid, you need to attend all your enrolled classes and have verified attendance on record. Your aid is based on your documented attendance. If you decide not to attend a class, withdraw from the College officially.
Academic engagement counts as attendance and includes:
- Attending a synchronous class, lecture, or lab session (in person or online) where you can interact with your instructor
- Submitting an academic assignment
- Taking an assessment or exam
- Participating in an interactive tutorial, webinar, or computer-assisted instruction
- Participating in a study group, group project, or instructor-assigned online discussion
- Interacting with your instructor about academic matters
Logging into an online course without participating does not count as attendance.
The U.S. Department of Education may flag your FAFSA if you have enrolled at multiple institutions over a short period. If your file is flagged, the Financial Aid Office will review it before your federal aid can be released. We will reach out directly if we need anything from you.
Contact Us
Student Financial Aid Office
Jefferson Hall (3rd Floor)
[email protected]
301.846.2620
Student Accounts Center
Jefferson Hall (3rd Floor)
[email protected]
301.846.2456
FCC Foundation Office
Annapolis Hall (2nd Floor)
[email protected]
301.846.2438