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Federal and State Programs

Below are brief descriptions of federal and state financial aid programs available to COA students. If you would like more information about any of these programs, please contact the COA Scholarships and Student Aid Office.

Federal Pell Grant Program
Federal Pell Grants are awards which assist undergraduates in paying for their education after they complete high school or earn a GED. The Federal Pell Grant program is the largest federal student aid program. For many students, these grants provide a “foundation” to which other federal and non-federal assistance may be added. Unlike loans, grants do not have to be paid back unless a student does not complete the term of enrollment.

Federal Supplemental Educational Opportunity Grant (FSEOG)
Students who receive the Federal Pell Grant may be eligible for the Federal Supplemental Educational Opportunity Grant. This federal program does not require employment or repayment unless a student does not complete the term of enrollment. The amount of the grant is based on students’ financial needs and the minimum award is $100. To be eligible for FSEOG, students’ financial aid files should be completed as early as possible. Funding is very limited.

Federal Work-Study (FWS) Program

The Federal Work-Study Program provides jobs for eligible students to earn money to help pay college expenses while attending classes at least part-time. Students participating in the program are employed in the library, laboratories, administrative and faculty offices, and various departments of the college.

Federal William D. Ford Direct Loan Program
Effective with the 2012-2013 academic year, College of The Albemarle will not participate in the William D. Ford Direct Loan Program.

North Carolina Community College Grant (NCCCG) Program
For students to be eligible for need-based aid under this program, applicants must meet the following criteria: (1) be admitted to an eligible program of study; (2) have applied for federal Pell Grant funds; and (3) meet academic requirements to maintain Pell Grant eligibility; and (4) other criteria as required by program.

North Carolina Education Lottery Grant (NCELS)

For students to be elegible for need-based aid under this program, applicaints must meet the following criteria: (1) be admitted to an eligible program of study; (2) have applied for federal Pell Grant funds; and (3) meet academic requirements to maintain Pell Grant eligibility; and (4) other criteria as required by program. Funds for the support of the program are contingent each year from the proceeds of the North Carolina State Lottery.

Forgivable Education Loans for Service (FELS)
This program provides funding for North Carolina students pursuing programs leading to careers in areas with critical need, such as nursing, teaching, allied health fields and medicine. Students who receive funds through this program must sign a promissory note agreeing to work in North Carolina after graduation in an approved position, one year for each academic year of funding received. Students who do not perform the required service must repay the loans in cash, with interest. The FELS application and program information for the 2014-2015 academic year will be available in November 2013 at www.CFNC.org/FELS. The priority deadline for submitting the FELS application is April 1, 2014.

North Carolina Community College Loan Program and College of The Albemarle Short-Term Loan Program
This program provides short-term loans to students who need assistance with the costs of tuition/fees/books. Loans must be repaid prior to the end of the term in which the loan was received.

Other State Scholarships and Grant Programs


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