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Your Student Aid Agency
New York State Higher Education Services
Corporation
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HESC
High School Counselors’ student financial aid resource
Help students prepare and pay for college
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Types of Financial Aid?
Grants-free money
Scholarships-free money
Employment opportunities
Loans
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Sources of Financial Aid
New York State Federal government Colleges Private sources
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Grants
Usually based on need; sometimes on other factors
Do not have to be repaid Examples:
Federal Pell Grant New York State Tuition Assistance
Program (TAP)
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Scholarships
Based on academic ability, talent or special circumstances
Do not have to be repaid May have a service component
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New York State Tuition Assistance (TAP)
Undergraduates Full-time and part-time study Tuition at eligible colleges in NYS Up to $5,000 per year
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Type of academic institution and tuition NYS net taxable income Up to $80,000 combined family income for
dependent undergraduate student, married students, or student with tax dependents
Up to $40,000 for married students with no tax dependents
Up to $10,000 for single independent students with no dependents
TAP Awards
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Other New York State Programs
Aid for Part-time Study (APTS) Veterans Tuition Award NYS Scholarships for Academic Excellence NYS Math & Science Teaching Incentive
Program World Trade Center Memorial Scholarship Military Service Recognition Scholarship
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Loans
Federal Loans Direct Subsidized Loan Direct Unsubsidized Loan Direct PLUS Loan Perkins
New York State Loan NYHELPs
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Federal Aid Eligibility
To receive, a student must: Have a high school diploma or equivalent,
such as a GED Be enrolled or accepted for enrollment as a
matriculated student working toward a degree or certificate in an eligible program
Be a U.S. citizen or eligible non-citizen
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Federal Aid Eligibility
Have a valid Social Security Number Make academic progress Register with Selective Service, if applicable Sign a statement of educational purpose
and a certification statement on overpayment and default, both found on the FAFSA
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New York State Aid Eligibility
To receive, a student must: Be a New York State resident Attend and be matriculated at an eligible
school in New York State Meet other eligibility criteria for specific
programs
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Definition of Need
Cost of Attendance (COA)
– Expected Family Contribution (EFC)
= Financial Need
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Cost of Attendance
Expenses related to a disability
Dependent or elder care expenses
Expenses for study abroad, cooperative education programs
Tuition & fees Books & supplies Room & board Transportation Misc. personal
expenses Loan fees
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FAFSA.gov
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FAFSA Preparation
FAFSA4caster.ed.gov
Use to pre-fill the FAFSA
Pre-application worksheet & built-in edits to help prevent costly errors
Paper FAFSA available at www.FSAPubs.gov
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Apply for TAP
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TAP Deadline
June 30 – same as FAFSA deadline
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Tips
Complete the FAFSA every year Complete the FAFSA early – available
January 1st Meet all deadlines Keep copies of all forms Contact the college financial aid
administrator if your financial situation changes
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NYHELPs:
Apply for and receive all grants, scholarships and federal loans available
Compared to other loans with variable rates NYHELPs saves money over the life of the loan
Students who are NYS residents attending participating NYS schools
To apply: Visit HESC.org/NYHELPs
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High School Counselors
HESC is your information source
for college and career planning
and student financial aid
information.
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HESC.org
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HS Counselor Newsletter
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Link to HESC
Link HESC to your school’s website
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Web “Jump Page”
Available to link to HESC.org
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HESC Additional Resources
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HESC E-Library
Use HESC articles in your student and parent newsletters
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Ordering HESC Publications
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HESC Publications
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New High School Publication
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HESC HS Calendar
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Financial Aid Calculators
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HESC Financial Literacy
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Student Financial Aid Month
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Student Financial Aid Month
Financial Aid Basics seminars Complete the FAFSA Workshops at schools
and local community centers FAFSA Hotline Regional information available at
StartHereGetThere.org
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Student Financial Aid Month
StartHereGetThere.org
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Get the FACTS
Financial Awareness and Consumer Training for Students
Financial literacy curriculum for your students
HESC professional staff will train your staff to present
HESC staff will present to your students at your location
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FACTS Training Outline
Importance of Completing High School and College
Identify Needs vs. Wants Develop a Spending Plan Use of Debit vs. Credit Cards Prevent Identity Theft
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FACTS: Money Wise 411
Helps students develop skills to avoid credit card debt
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FACTS Presentations
Contact: Pamela Jerome (518) 402-3521
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Helpful Web Sites
HESC.org FinAid.org StudentAid.ed.gov FAFSA.gov CollegeBoard.com