Are You Eligible for Financial Aid?
Don’t let the cost of tuition scare you. The U.S. government offers low interest loans as well as grants and scholarships to help you pay for attending school.
To qualify for Federal Student Aid, you must:
- Demonstrate financial need. (Except for Unsubsidized and PLUS (Parent) loan programs.)
- Certify that you’ll use Federal Student Aid only for educational purposes.
- Have a high school diploma, a General Education Development (GED), or meet Ability-To-Benefit (ATB) guidelines.
- Be enrolled or accepted for enrollment.
- Be a citizen or an eligible non-citizen.
- Not be in default on a federal student loan or owe money on a federal student grant (or have made satisfactory arrangements to repay it.)
- Be making satisfactory academic progress.
- If you do not have a high school diploma or GED, you may qualify under the ATB, inquire with your Admissions or Financial Aid Officer.
How to apply for financial aid
Each CET location has a Financial Aid Officer who will help you and your family identify sources of financial aid and fill out the required forms.
Start by filling out the Free Application for Federal Student Aid https://www.fafsa.ed.gov or come in to your local CET and speak with your Financial Aid Officer.
Financial Aid Options
Federal Pell Grant
Federal Pell Grants do not have to be repaid. Maximum amounts vary by year, but the amount awarded is based on individual need.
Federal Supplemental Educational Opportunity Grant (FSEOG)
FSEOG funds are limited and are awarded only to students who have exceptional financial need. Students with exceptional need are those who have an expected family contribution (EFC) of zero toward their education (based on automated analysis of the FAFSA application), and are eligible for the Federal Pell Grant program during the same award year.
Federal Work Study
Federal Work Study provides part-time jobs for students who are in need of additional earnings to meet education expenses. Earnings from a Work Study job do not have to be repaid.
CET participates in the Direct Loan Program (both subsidized and unsubsidized). Interest rates are fixed for the life of the loans and are not awarded based on personal credit history. A Subsidized Loan is awarded on the basis of financial need. The federal government “subsidizes” the interest during the time the student attends school and during grace and deferment periods.
PLUS – (Parent) Loan
The PLUS (Parent) Loans are for parents of dependent students to help pay education expenses. The maximum loan amount is the student’s cost of attendance minus any other financial aid received.
Cal Grant C Award
The Cal Grant C program provides FREE MONEY to students pursuing an occupational or technical program. Students must apply for FAFSA or CA Dream Act Application to apply. No GPA requirement.
Chafee Foster Youth Grant Award
The Chafee Foster Youth Grant Program is a federal and state funded grant subject to yearly availability of funds. This program is administered by the Commission through an interagency agreement with the California Department of Social Services (CDSS). Chafee provides current or former California foster youth up to $5,000 per year for education expenses at an eligible California or out of state college. Awards may be used for postsecondary education including career and technical training.
Access Cal Grant and Chafee information and manage your account 24 hours a day, seven days a week at www.webgrants4students.org. You can also update your e-mail address, mailing address, telephone number, or school of attendance.
You can also call the Commission at (888) 224-7268, Monday through Friday from 8:00 a.m. to 4:45 p.m. (PST)
CET is here to help you through the process from the beginning to end! Come in today and we’ll walk you through it. Most students’ questions about Federal Student Aid fall into two main categories:
- Eligibility and Application
- FAFSA forms and Federal Student Aid Payments
- Prior student/parent (PLUS) loan balance before borrowing additional loans to pay for training.
- Explain loan concepts such as interest accrual and capitalization on principal balance.
- Understanding the borrower’s obligation on the monthly repayment amount and the median salary expected after graduation.
Q. How do I apply for Federal Student Aid?
A. Find out by filling out the Free Application for Federal Student Aid. https://www.fafsa.ed.gov or come into your local CET Financial Aid Office and we’ll walk you through it.
Q. I probably don’t qualify for aid. Should I apply for aid anyway?
A. Yes! Many families mistakenly think they don’t qualify for aid and prevent themselves from receiving Federal Student Aid by failing to apply for it. In addition, there are a few sources of aid such as Unsubsidized Stafford and PLUS (Parent) Loans that are available regardless of need. The FAFSA form is free. There is no reason not to apply.
Q. What is Center for Employment Training’s School Code for the FAFSA?
A: The school code is: 016516
Q. Can I apply for Federal Student Aid if my parents are undocumented immigrants?
A. Yes. All U.S. citizens or eligible non-citizens are eligible for Federal Student Aid, regardless of their parents’ immigration status. If you are a citizen or eligible non-citizen but your parents are undocumented immigrants, you should fill out the FAFSA and include their financial information. If you fill in the parental information using a social security number that was not assigned to them or one that is only valid for work purposes, the application will be rejected. If your parent (s) does not have a social security number, use 000-00-0000 as his or her social security number.
Q. Do I need to be admitted before I can apply for Federal Student Aid at CET?
A. No. You can apply for Federal Student Aid any time on or after October 1. To actually receive funds, however, you must be admitted and enrolled at CET.
Q. What kind of Federal Student Aid is offered at CET?
A. CET offers grants, scholarships, work study (student employment), Federal Stafford Student Loans and Federal PLUS (Parent) Loans. Each program requires specific eligibility and application procedures. Please meet with a CET Financial Aid Officer to become familiar with these requirements. No matter what Federal Student Aid program you are applying for, all programs require students to meet Satisfactory Academic Progress Standards in order to maintain Federal Student Aid eligibility. Satisfactory Academic Progress Standards are available on the CET Student Catalog at https//:www.cetweb.edu/catalogs or by your Instructor. It is the responsibility of the student who receives or wishes to receive Federal Student Aid assistance at CET to become familiar with this policy.
Q. Why can’t I submit my FAFSA before October 1?
A. The need analysis process for Federal Student Aid uses the family’s income and tax information from the 2019 tax year (the base year) to judge your eligibility for need-based Federal Student Aid during the upcoming academic year (the award year). Submit the form as soon as possible on or after October 1. If you wait too long to submit the FAFSA, you might miss the deadline for state aid. Most states require the FAFSA to be submitted by March 2.
Q. Since Federal Student Aid is based on my income from the 2019 tax year, can I receive more Federal Student Aid if I lose my job?
A. You may come to the Financial Aid Office and complete a Professional Judgment form. This form along with all of the documentation submitted with it will be evaluated and any adjustments that fall into federal guidelines will be approved.
Q. Do I have to reapply for Federal Student Aid every year?
A. Yes. Most financial aid offices require that you apply for Federal Student Aid every year. If your financial circumstances change, you may get more or less aid. After your first year you will receive a “Renewal Application” which contains prefilled information from the previous year’s FAFSA. Note that your eligibility for Federal Student Aid may change significantly, especially if you have a different number of family members in college or household size.
Q. How do I apply for a Pell Grant and other types of need-based aid?
A. Submit a FAFSA. To indicate interest in student employment (Work-Study), you should check the appropriate box. Checking this box does not commit you to accepting this type of aid or any other type of aid. You will have the opportunity to accept or decline each part of your aid package later. Leaving this box unchecked will not increase the amount of grants you receive.
Q. Can my parents get a loan to help pay for my career training?
A. Yes, parents of dependent students can apply for the PLUS (Parent) Loan. These loans are the responsibility of the parent. Parents can get more information on how to help their students pay for college from the www.mappingyourfuture.org web site or from the CET Financial Aid Office.
Q. How do my parents apply for a PLUS (Parent) Loan?
A. To be eligible to receive a PLUS (Parent) loan, your parents will be required to pass a credit check. They will need to complete a PLUS Loan Master Promissory Note (MPN) at www.studentloans.gov or they can me
CET provides the following resources and links for students to explore different avenues for paying for school. These represent only a small portion of the opportunities that exist. Be sure to check out all your local resources!
Federal Financial Aid Links:
Coronavirus and Forbearance Info for Students, Borrowers, and Parents
Free Application for Federal Student Aid application online as well as information about eligibility and deadlines for applying.
College Navigator is a free consumer information tool designed to help students, parents, high school counselors, and others get information about nearly 7,000 postsecondary institutions in the United States – such as programs offered, retention and graduation rates, prices, aid available, degrees awarded, campus safety, and accreditation.
An education credit helps with the cost of higher education by reducing the amount of tax owed on your tax return. If the credit reduces your tax to less than zero, you may get a refund. There are two education credits available: the American Opportunity Tax Credit and the Lifetime Learning Credit.
Federal Student Aid, a part of the U.S. Department of Education, is responsible for managing the student financial assistance programs under Title IV Financial Aid. These programs provide grant, work-study and loan funds to students attending college or career school. Federal Student Aid offers free assistance to students, parents and borrowers throughout the entire financial aid process. Recipients of financial aid can access and inquire about their financial aid loan and grant information by accessing their student account on Federal Student Aid.
FinAid – Find information on all aspects of Federal Student Aid, from grants and loans, to education tax benefits.
Glossary of Federal Student Aid Terms.
A comprehensive list of Frequently Asked Questions.
Fastweb is a free searchable database of available scholarships.
Hispanic Scholarship Fund. In addition to scholarship opportunities for deserving Latino students, HSF offers a broad range of outreach and educational programming to help students and their families navigate through the rigors of college life.
Vocational School Scholarships contains a database of Federal Student Aid and eligibility to assist with vocational school tuition.
Selective Service Registration: To obtain Federal Student Aid, men born on or after January 1, 1960 will require a Status Information Letter from Selective Service documenting that they have registered for the draft. Register on-line for the U.S. Selective Service at this site.
Do You Need Money for College or Career School? Apply is a comprehensive resource on Federal Student Aid from the U.S. Department of Education. Grants, loans, and work-study are the three major forms of aid available through the Department’s Federal Student Aid office. Do You Need Money for College or Career School? Apply for Federal Student Aid tells you about the programs and how to apply for them.
California Financial Aid Links
Provides information about California State grants. Ask the CET Financial Aid Officer whether or not Cal Grant is currently available at CET California branches.
Cash for College – Provides dates and locations of free workshops that provide line-by-line hands-on help to complete the FAFSA.
The Scholarship Foundation of Santa Barbara inspires, encourages, and supports Santa Barbara County students in their pursuit of college, graduate, and vocational school education through financial aid advising and the granting of scholarships.
If you have any questions, or require additional information on Federal Student Aid assistance, you may contact the CET Financial Aid Officer at the center that you plan to attend, or the Federal Student Aid Information Center.