{"id":89194,"date":"2024-03-19T14:32:35","date_gmt":"2024-03-19T14:32:35","guid":{"rendered":"https:\/\/www.ccm.edu\/?page_id=89194"},"modified":"2025-06-11T09:58:16","modified_gmt":"2025-06-11T13:58:16","slug":"financial-aid-faqs-and-helpful-links","status":"publish","type":"page","link":"https:\/\/www.ccm.edu\/financial-aid\/financial-aid-faqs-and-helpful-links\/","title":{"rendered":"Financial Aid FAQs and Helpful Links"},"content":{"rendered":"\r\n\r\n\r\n<div class=\"faq-block nav-section yellow fade-el\" id=\"\">\r\n    <div class=\"offset-x-desktop-162\">\r\n        <div class=\"max-w-container w-1596\">\r\n            <p class=\"main-title txt-size-24\">Financial Aid FAQ<\/p>\r\n            <div class=\"accordion\">\r\n\r\n                                                    <div class=\"item\">\r\n                        <div class=\"item-header\">\r\n                            <p class=\"heading\">How can I access my Federal Financial Aid History<\/p>\r\n                            <div class=\"icon\">\r\n                                <svg viewBox=\"0 0 27 26\" fill=\"none\">\r\n                                    <path d=\"M10.578 25.63V15.772H0.844V10.192H10.578V0.333997H16.406V10.192H26.14V15.772H16.406V25.63H10.578Z\" fill=\"#57B6B2\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"item-content\"><p>Use the following link: <a href=\"https:\/\/studentaid.gov\/dashboard\/\">Financial Federal Aid History<\/a><\/p>\n<p><strong>Attention:<\/strong><\/p>\n<ol>\n<li>For NJ state financial aid history- Login in to <a href=\"https:\/\/njfams.hesaa.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">NJFAMS<\/a> NJ State Higher Education Assistance Authority (<a href=\"https:\/\/www.hesaa.org\" target=\"_blank\" rel=\"noopener noreferrer\">HESAA<\/a>) student system<\/li>\n<li>For CCM Foundation Scholarship &#8211; Visit <a href=\"https:\/\/titansdirect.ccm.edu\/Student\/FinancialAid\/Home\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>CCM Titans Direct<\/strong><\/a>, student portal.<\/li>\n<\/ol>\n<\/div>\r\n                    <\/div>\r\n                                    <div class=\"item\">\r\n                        <div class=\"item-header\">\r\n                            <p class=\"heading\">Where do I begin?<\/p>\r\n                            <div class=\"icon\">\r\n                                <svg viewBox=\"0 0 27 26\" fill=\"none\">\r\n                                    <path d=\"M10.578 25.63V15.772H0.844V10.192H10.578V0.333997H16.406V10.192H26.14V15.772H16.406V25.63H10.578Z\" fill=\"#57B6B2\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"item-content\"><ol>\n<li>Submit an application for acceptance as a &#8220;Degree-Seeking&#8221; student to the Admission Office.<\/li>\n<li>Review and follow the financial aid application procedures, which include completion of\u00a0the Free Application for Federal Student Aid <a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">FAFSA<\/a>.<\/li>\n<li>File the <a href=\"https:\/\/www.hesaa.org\/Pages\/NJAlternativeApplication.aspx\">NJ Alternative Financial Aid Application<\/a> (NJ Dreamers only)<\/li>\n<\/ol>\n<\/div>\r\n                    <\/div>\r\n                                    <div class=\"item\">\r\n                        <div class=\"item-header\">\r\n                            <p class=\"heading\">What types of aid assistance are available?<\/p>\r\n                            <div class=\"icon\">\r\n                                <svg viewBox=\"0 0 27 26\" fill=\"none\">\r\n                                    <path d=\"M10.578 25.63V15.772H0.844V10.192H10.578V0.333997H16.406V10.192H26.14V15.772H16.406V25.63H10.578Z\" fill=\"#57B6B2\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"item-content\"><p>All categories may be available:<\/p>\n<ul>\n<li><a href=\"https:\/\/studentaid.gov\/understand-aid\/types\">Federal<\/a><\/li>\n<li><a href=\"https:\/\/www.hesaa.org\/Pages\/NJGrantsHome.aspx\"><strong>NJ State<\/strong><\/a><\/li>\n<li>CCM Foundation Scholarship<\/li>\n<\/ul>\n<\/div>\r\n                    <\/div>\r\n                                    <div class=\"item\">\r\n                        <div class=\"item-header\">\r\n                            <p class=\"heading\">Who is considered a parent?<\/p>\r\n                            <div class=\"icon\">\r\n                                <svg viewBox=\"0 0 27 26\" fill=\"none\">\r\n                                    <path d=\"M10.578 25.63V15.772H0.844V10.192H10.578V0.333997H16.406V10.192H26.14V15.772H16.406V25.63H10.578Z\" fill=\"#57B6B2\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"item-content\"><p>A parent is your legal (biological or adoptive) parent or a person that the state has determined to be your legal parent. A stepparent is considered a parent if they have adopted you. Attention: Stepparents who have not adopted you will be identified as a parent spouse.<\/p>\n<\/div>\r\n                    <\/div>\r\n                                    <div class=\"item\">\r\n                        <div class=\"item-header\">\r\n                            <p class=\"heading\">What is the meaning of &#8220;Contributors&#8221; for FAFSA filing?<\/p>\r\n                            <div class=\"icon\">\r\n                                <svg viewBox=\"0 0 27 26\" fill=\"none\">\r\n                                    <path d=\"M10.578 25.63V15.772H0.844V10.192H10.578V0.333997H16.406V10.192H26.14V15.772H16.406V25.63H10.578Z\" fill=\"#57B6B2\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"item-content\"><p><a name=\"contributor\"><\/a><br \/>\nA &#8220;Contributor&#8221; may be a student or student&#8217;s spouse or biological or adoptive parent or the parent&#8217;s spouse (stepparent). This is a new term for the 2024-2025 FAFSA form and is anyone who is required to provide a signature on the FAFSA form as well as provide consent and approval to have their federal income tax information transferred from the IRS directly into the FAFSA form via direct data exchange.<\/p>\n<p><strong>IMPORTANT:<\/strong><\/p>\n<ol>\n<li>Being a contributor does NOT indicate financial responsibility. However, if a contributor refuses to provide their information, the student will not be eligible for federal student aid.<\/li>\n<li>Contributors without an SSN can create a <a href=\"https:\/\/studentaid.gov\/fsa-id\/create-account\/launch\">StudentAid.gov<\/a> account (FSA ID) to fill out their portion of your 2024\u201325 FAFSA form online.<\/li>\n<\/ol>\n<\/div>\r\n                    <\/div>\r\n                                    <div class=\"item\">\r\n                        <div class=\"item-header\">\r\n                            <p class=\"heading\">How do I Create a Federal Student Aid \u2013 FSA ID?<\/p>\r\n                            <div class=\"icon\">\r\n                                <svg viewBox=\"0 0 27 26\" fill=\"none\">\r\n                                    <path d=\"M10.578 25.63V15.772H0.844V10.192H10.578V0.333997H16.406V10.192H26.14V15.772H16.406V25.63H10.578Z\" fill=\"#57B6B2\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"item-content\"><p>Contributor\u2019s\u201d and the Student \u2013 Create their own separate Federal Student Aid \u2013 FSA ID (account username and password). To Apply visit <a href=\"https:\/\/studentaid.gov\/fsa-id\/create-account\/launch\" target=\"_blank\" rel=\"noopener\">https:\/\/studentaid.gov\/fsa-id\/create-account\/launch<\/a><\/p>\n<\/div>\r\n                    <\/div>\r\n                                    <div class=\"item\">\r\n                        <div class=\"item-header\">\r\n                            <p class=\"heading\">What year Financial Aid Application (FAFSA and NJ Alternative Application) should I file for my planned enrollment?<\/p>\r\n                            <div class=\"icon\">\r\n                                <svg viewBox=\"0 0 27 26\" fill=\"none\">\r\n                                    <path d=\"M10.578 25.63V15.772H0.844V10.192H10.578V0.333997H16.406V10.192H26.14V15.772H16.406V25.63H10.578Z\" fill=\"#57B6B2\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"item-content\"><p>An example of the correct financial aid application to be filed for your planned, 2023-2024 academic school year enrollment is: File the 2023-2024 application for Fall 2023, Winter 2024, Spring 2024 and Summer 2024.<\/p>\n<\/div>\r\n                    <\/div>\r\n                                    <div class=\"item\">\r\n                        <div class=\"item-header\">\r\n                            <p class=\"heading\">What will happen after I file the FAFSA?<\/p>\r\n                            <div class=\"icon\">\r\n                                <svg viewBox=\"0 0 27 26\" fill=\"none\">\r\n                                    <path d=\"M10.578 25.63V15.772H0.844V10.192H10.578V0.333997H16.406V10.192H26.14V15.772H16.406V25.63H10.578Z\" fill=\"#57B6B2\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"item-content\"><p>You can find more information on our <a href=\"https:\/\/www.ccm.edu\/financial-aid\/application-procedures\/\">application procedures page<\/a>.<\/p>\n<\/div>\r\n                    <\/div>\r\n                                    <div class=\"item\">\r\n                        <div class=\"item-header\">\r\n                            <p class=\"heading\">How do I upload my requested financial aid documents?<\/p>\r\n                            <div class=\"icon\">\r\n                                <svg viewBox=\"0 0 27 26\" fill=\"none\">\r\n                                    <path d=\"M10.578 25.63V15.772H0.844V10.192H10.578V0.333997H16.406V10.192H26.14V15.772H16.406V25.63H10.578Z\" fill=\"#57B6B2\"\/>\r\n                                <\/svg>\r\n                            <\/div>\r\n                        <\/div>\r\n                        <div class=\"item-content\"><p>Documents requested by us can be uploaded to <strong><a href=\"https:\/\/titansdirect.ccm.edu\/Student\/FinancialAid\/Documents\" target=\"_blank\" rel=\"noopener noreferrer\">CCM Titans Direct \u2013 Documents<\/a><\/strong><\/p>\n<p><strong>Attention:<\/strong>\u00a0Protect your information \u2013 Do not email us your documents.\u00a0 Please allow up to 3-5 business days for our retrieval of your document(s) for review.<\/p>\n<\/div>\r\n                    <\/div>\r\n                                \r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n\n\n\r\n<section class=\"spacer small\"><\/section>\n\n\r\n\r\n<div class=\"wysiwyg-block nav-section fade-in-container  full-li-items\" id=\"\">\r\n    <div class=\"offset-x-desktop-162 fade-el\">\r\n        <div class=\"max-w-container w-1596\">\r\n            <h2><a href=\"https:\/\/www.irs.gov\/newsroom\/tax-benefits-for-education-information-center?_gl=1*1tv0b3d*_gcl_au*ODgyNjM2ODgyLjE3MDQ3MTk2NjI.#exclusions\" target=\"_blank\" rel=\"noopener noreferrer\">Tax Benefits for Education<\/a><\/h2>\n<h3>Attention Students and Parents!<\/h3>\n<p>SAVE YOUR COURSE MATERIAL RECEIPTS<br \/>\nYOU MAY BE ELIGIBLE FOR A TAX CREDIT UP TO $2,500!!<\/p>\n<p>The American Opportunity Tax Credit (AOTC) is a partially refundable tax credit of up to $2,500 each year for out-of-pocket higher education expenses including course materials, tuition, and fees for the first four years of college.<\/p>\n<p><a href=\"https:\/\/www.irs.gov\/uac\/Tax-Benefits-for-Education:-Information-Center\">To learn more\u00a0about the American Opportunity Tax Credit, click Here<\/a><\/p>\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n\n\n\r\n<section class=\"spacer small\"><\/section>\n\n\r\n\r\n<div class=\"wysiwyg-block nav-section fade-in-container  full-li-items\" id=\"\">\r\n    <div class=\"offset-x-desktop-162 fade-el\">\r\n        <div class=\"max-w-container w-1596\">\r\n            <h2>Online Federal Student Loan Counseling<\/h2>\n<p>Direct Subsidized Loans and Direct Unsubsidized Loans are federal student loans offered by the U.S. Department of Education (ED) to help eligible students cover the cost of higher education at a four-year college or university, community college, or trade, career, or technical school. (You might see Direct Subsidized Loans and Direct Unsubsidized Loans referred to as Stafford Loans or Direct Stafford Loans, but these aren\u2019t the official loan names.)<\/p>\n<p><a href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/subsidized-unsubsidized\">Visit studentaid.gov for more information<\/a><\/p>\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n\n\n\r\n<section class=\"spacer small\"><\/section>\n\n\r\n\r\n<div class=\"wysiwyg-block nav-section fade-in-container  full-li-items\" id=\"\">\r\n    <div class=\"offset-x-desktop-162 fade-el\">\r\n        <div class=\"max-w-container w-1596\">\r\n            <h2>Federal Direct Loan Program (DL)<\/h2>\n<p>Note: All borrowers are\u00a0<u>required<\/u>\u00a0to complete an\u00a0<u>undergraduate<\/u>\u00a0Direct Stafford Loan\u00a0<strong><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/index.action\">Entrance Counseling<\/a><\/strong><em>\u00a0in addition to their\u00a0<\/em><em><a href=\"https:\/\/studentloans.gov\/myDirectLoan\/index.action\">Direct Loan Master Promissory Note<\/a><\/em><em>\u00a0\u00a0and\u00a0<\/em><em><a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">Free Application for Federal Student Aid (<strong>FAFSA<\/strong>)<\/a><\/em><em>.<\/em><\/p>\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n\n\n\r\n<section class=\"spacer small\"><\/section>\n\n\r\n\r\n<div class=\"wysiwyg-block nav-section fade-in-container  full-li-items\" id=\"\">\r\n    <div class=\"offset-x-desktop-162 fade-el\">\r\n        <div class=\"max-w-container w-1596\">\r\n            <h2>Guide to Defaulted Student Loans<\/h2>\n<p><em>Student loan borrowers in default now have more options than ever before to repay their student loans. The\u00a0<a href=\"https:\/\/studentaid.gov\/manage-loans\/default\/collections\">U.S. Department of Education\u2019s Collections Department<\/a>\u00a0is committed to assisting those in default by making repayment of their debts a simple process.\u00a0<\/em><\/p>\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n\n\n\r\n<section class=\"spacer small\"><\/section>\n\n\r\n\r\n<div class=\"wysiwyg-block nav-section fade-in-container  full-li-items\" id=\"\">\r\n    <div class=\"offset-x-desktop-162 fade-el\">\r\n        <div class=\"max-w-container w-1596\">\r\n            <h2>U.S. Department of Education<\/h2>\n<p><a href=\"https:\/\/www.ed.gov\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone\" src=\"https:\/\/i0.wp.com\/www.ed.gov\/images\/ed_gl_header.gif?resize=241%2C34\" alt=\"Link to U.S. Department of Education Website\" width=\"241\" height=\"34\" \/><\/a><\/p>\n<p><em>\u2026the single most authoritative source of financial aid information\u2026 for students and their families as they consider going to college\u2026a glowing example of U.S. tax dollars being put to good use.\u201d\u00a0<\/em><a href=\"https:\/\/www.ed.gov\/index.jhtml\"><strong><em>Click Here to visit ED.GOV<\/em><\/strong><\/a><\/p>\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":1337,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-with-sidebar-mixed-width.php","meta":{"_acf_changed":true,"footnotes":""},"class_list":["post-89194","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Aid FAQs and Helpful Links | County College of Morris (CCM)<\/title>\n<meta name=\"description\" content=\"Financial Aid FAQs and Helpful Links. 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