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How Financial Aid is Determined

Financial aid awards are based on demonstrated financial need, which is the difference between the family’s Expected Family Contribution (EFC) plus the student’s own resources (EFC and any other financial aid), and the allowable educational expenses or Cost of Attendance (COA).

The USDE determines the EFC, which is based on the information submitted on the student’s FAFSA. If there are unusual or extenuating circumstances, the Financial Aid Office may make adjustments based on adequate documentation, on a case-bycase basis.

The CJC Financial Aid Office creates an annual budget for each student based on the following costs:

  • Tuition and Fees
  • Room & Board
  • Transportation
  • Books & Supplies
  • Loan Fees
  • Personal/Miscellaneous Expenses

If there are unusual expenses (for example, unusual medical expenses, child care, etc.), the Financial Aid Office can, with adequate documentation, make adjustments to an individual student’s budget. Note: again, this can only be done on a case-by-case basis.

The Financial Aid Office calculates budgets for both dependent students (those students living at home) and for independent students (those students not living at home). This information is initially derived from the student’s FAFSA. Note: A student’s total financial aid may not exceed the student’s COA.

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