WHAT MAKES A STUDENT ELIGIBLE FOR AID?
To be eligible to receive Title IV aid (federal grants and/or loans), a student must complete the Free Application for Federal Student Aid (FAFSA ) and meet the following criteria:
- Be a U.S. citizen or
- Be an eligible noncitizen of the United States (per the FAFSA):
- U.S. permanent resident and have an Alien Registration Receipt Card (I-551).
- Conditional permanent resident (I-551C).
- Other eligible non-citizen with an Arrival Departure Record (I-94) from DHS showing any one of the following designations: “Refugee”, “Asylum Granted”, “Parolee” (I-94 confirms paroled for a minimum of one year and status has not expired), or “Cuban-Haitian Entrant.”
- Students in the U.S. on a F1 or F2 student visa, a J1 or J2 exchange visitor visa, or a G series visa are not eligible to receive federal student aid. If your status doesn’t fit any these categories, please visit the Financial Aid Office.
- Be enrolled as a regular matriculated student and working towards a degree or certificate at Ensign College.
- Maintain Satisfactory Academic Progress .
- Have graduated from high school, received a GED, or completed an eligible equivalent program. (If you have not graduated, please see the Financial Aid Office).
- Registered for Selective Service if male (http://www.sss.gov ).
- Not owe a repayment on a federal grant or be in default on a federal student loan.
STUDENTS WHO ARE NOT ELIGIBLE FOR AID:
- Students in the U.S. on a F1 or F2 student visa, a J1 or J2 exchange visitor visa, or a G series visa.
- Students admitted as a “visiting student."
- Students whose major is listed as "Undeclared.
DETERMINING FINANCIAL AID ELIGIBILITY
Toggle ItemPell Grants and Subsidized Stafford LoansYour eligibility for Pell grants and subsidized Stafford loans is based on need. Your eligibility for Pell grants is calculated first, and is tied to your Expected Family Contribution (EFC). The EFC is a measure of what you (and your family) should be able to contribute towards your education. This is calculated from the information provided on your FAFSA.
To determine your eligibility for subsidized Stafford loans, the Financial Aid Office first determines your need. Need is calculated by subtracting your EFC, Pell grant, and any scholarships/other assistance from the Cost of Attendance (COA). Students attending Fall and Winter semesters are offered the following amounts in subsidized Stafford loans as long as the amount does not go over the student's need: Freshman - $3500, Sophomore - $4500. Students being awarded for only one term are offered only half the amount listed above.
Toggle ItemUnsubsidized LoansStudents who do not qualify for the whole amount in subsidized loans, or do not qualify for any subsidized loans, are offered unsubsidized loans up to the amount listed above. Total aid including all loans, grants, scholarships, and other aid cannot go over your COA. Loan amounts may be reduced if the total aid is higher than the student's COA. Students needing additional unsubsidized loans may request this through the Financial Aid Office. See the Student Loans page for more information.
Loan amounts may also be reduced if the student has already received loans from another school during the award year, or if the student is nearing aggregate borrowing limits.
Toggle ItemExpected Family ContributionThe EFC is a measure of your family's financial strength and indicates how much of you and your family's financial resources (for dependent students) should be available to help pay for your education. The EFC is calculated from the information you report on the FAFSA.
The EFC is used by the Financial Aid Office to determine the type of aid a student is eligible to receive. This does not mean the family is required to pay the College that amount prior to the student receiving aid. If the student is a dependent student, the EFC is calculated from the student’s and parents’ FAFSA information. If the student is independent, the EFC is calculated from the student’s (and spouse’s, if applicable) FAFSA information.