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What is Financial Aid?Financial aid is money provided to assist you in meeting college

costs. It can be gift aid (grants and scholarships) or self-help aid (part-time work and loans). Federal, state and institutional funding are three sources of financial aid. Grants are free awards that are based on financial need. Grants don’t have to be repaid unless, for example, you are awarded funds incorrectly or you withdraw from school and owe a refund. Scholarships are non-repayable awards based either on merit or special talent alone or on merit and financial need. Work-study employment allows students to earn money while attending school. Student loans are available to students or their parents at low interest rates with repayment usually deferred until after graduation.

ImportantIf you withdraw from all of your classes within the first 60 percent

of the payment period measured in calendar days, you may owe a portion of unearned aid back to the federal government. The college will owe a percent of the refund of the institutional costs, and any amount that the college repays will be billed to you. Refer to “Federal Repayment Policy” on page 8 for additional information.

Who Should Apply?U.S. citizens, nationals or eligible non-citizens can apply for

financial aid. You must have a valid high school diploma or GED before financial aid can be awarded, unless you qualify under ability to benefit guidelines. Most male students must register with the Selective Service to get financial aid.

Where to Get HelpIf you have a question or need help with any part of the financial

aid process, the Financial Aid Office in R-122. We are open Monday through Friday from 8 a.m.-4:30 p.m. You can e-mail us at financial.aid@sfcollege.edu or call (352) 395-5480.

Please follow the five steps below to make sure your financial aid is awarded without delay:

1. File your FAFSA application at www.fafsa.ed.gov.

2. Apply for admission to SF and submit proof of high school graduation or GED. If you have attended any other college or university, you must submit a official final transcript(s) to the Records office.

3. Furnish all required/ requested documents (you may view documents required on eSantaFe).

4. Visit the Career Resource Center if you are seeking information regarding scholarships.

5. View your degree audit online before you register or see an academic advisor or a program advisor.

6. Check your financial aid status at eSantaFe and read your “notifications” regularly.

Apply online 1. You must apply for financial aid each academic year. Apply

online using FAFSA on the Web at www.fafsa.ed.gov. Sign your FAFSA using your federal PIN. See the federal PIN on page 2. If you have already completed your IRS Tax Returns, the application will allow you to obtain the income information directly from the IRS. List Santa Fe’s federal school code of 001519 and your housing plans in step six. If you leave your housing plans blank, you will be awarded financial aid based on a commuter budget. SF will receive an electronic file with your FAFSA information that will be used in awarding your aid. If you need help in transmitting the information, first complete the 2011-2012 FAFSA on the Web worksheet and visit the Computer Lab in R-2XX for assistance.

2. Apply for admission to SF online at www.sfcollege.edu/admissions/. We cannot award you and disburse aid to you until you have completed the admissions process. This includes supplying final/ official academic transcripts from your high school and other colleges or postsecondary institutions that you have attended. As we receive more information about you, additional documents may be needed. Check eSantaFe to view the status of your financial aid file.

3. Visit the Career Resource Center at www.sfcollege.edu/student/crc for help in career planning and scholarship searches.

4. View your degree audit online at eSantaFe and enroll in classes needed for your degree. For additional information see an academic advisor or a program advisor before you register. You must be enrolled in an eligible degree or certificate program. Go to http://dept.sfcollege.edu/enserv/admissions/content/media/as_vc_program_codes.pdf for a list of ineligible programs Check your financial aid status by viewing My Financial Aid at eSantaFe. Respond promptly to our requests if additional information is needed.

The Federal PINYour federal PIN allows you access to personal information in U.S.

Department of Education’s systems such as applying for federal student aid.

Your federal PIN allows you to:

• AccessFAFSAontheWebandCorrectionsontheWebat www.fafsa.ed.gov.

• SignyourFAFSAelectronicallyorobtainacopyofyourFAFSAinformation

• CompleteyourFederalDirectStudentLoanelectronic Master Promissory Note (MPN) and Entrance Counseling at www.studentloans.gov.

• ReviewyourgrantandloanhistoryontheNationalStudentLoanData System (NSLDS) at www.nslds.ed.gov.

If you are a dependent student and one of your parents has a PIN, he or she can sign the application electronically using their PIN.

How is Need Determined?The financial aid information you and your family provide on

the FAFSA is analyzed by the federal processor to determine the expected family contribution (EFC). Family contribution is the amount you and your family should be able to pay toward your cost of education. Need is the difference between the amount you and your family can contribute and the cost to attend the college of your choice. The primary responsibility for paying for your education belongs to you and your family.

College Budget (Cost of Attendance)

- Expected Family Contribution

= Financial Need

Award Notification You will receive a notification in eSantaFe when you are awarded.

The types and amounts of aid offered, specific program information, your responsibilities, and the conditions that govern the award will be on eSantaFe in My Financial Aid.

Important Dates/Deadlines January 1, 2011 – Apply now (or as soon as possible after this

date); complete the Free Application for Student Aid (FAFSA) for the 2011-2012 academic year.

March 15, 2011 – Priority “on time” deadline for full funding 2010- 2011

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June 30, 2012 – The federal processor must receive the FAFSA on the Web by midnight Central Daylight Time. A paper FAFSA must be mailed in time for the processor to receive it by the deadline.

July 15, 2012 – File must be complete and verified (or 10 days prior to your last day of enrollment, whichever is earlier).

August 8, 2012 – SF must receive your Student Aid Report (SAR, the results of your processed FAFSA) (or by last day of enrollment, whichever is earlier) for you to receive any financial aid.

Your Financial Aid Information is Online at eSantaFe

Santa Fe College (SF) uses eSantaFe to send official notifications to students. These notifications include, but are not limited to, alerts regarding financial aid, student records, admissions, registration, and academic status.

You are responsible for accessing your student records and student notifications via eSantaFe.

As an SF student you are expected to access your eSantaFe account from SF’s home page for important information regarding your student records. You will receive an e-mail reminder informing you of any notifications; however, it is strongly advised that you regularly and frequently check your eSantaFe account and keep your e-mail address up to date in Santa Fe’s student records system. Failure to do so may cause you to miss critical information that may affect your status at the college.

ConfidentialitySF ensures confidentiality of student records in accordance

with the Family Educational Rights and Privacy Act (FERPA). Your information is kept private, and can only be released when a signed authorization is presented to the college. You can download the Student Authorization Form at http://dept.sfcollege.edu/records/content/docs/studentauto.pdf.

Notification of Collection and Use of Social Security Numbers

Section 119.071(5), Florida Statutes This notice is intended for students, employees, and applicants.

Santa Fe College collects your social security number for use in performance of the college’s duties and responsibilities for the following possible purposes: classification of accounts; identification and verification; creditworthiness; billing and payments; data collection; reconciliation; tracking; benefit processing; tax and scholarship reporting; financial aid processing; athletics recruiting; accreditation of programs; and reporting to authorized agencies of the state and federal government. Social security numbers are also used as a unique numeric identifier in certain cases and may be used for search purposes. Federal law requires that we protect social security numbers from disclosure to unauthorized parties. Students and employees are assigned SF identification numbers to assist in protecting their identities.

A Few Things to KnowThe 2011-2012 Financial Aid Handbook information is available

online at www.sfcollege.edu/financialaid/.

• Youmaybeeligibleforafeedeferment;seemoreinformation on fee deferments on page 4.

• Astandardtermis16weeksinlengthandflextermsoccurwithinthe standard term for approximately eight weeks.

• Transferstudentsmusthaveatleasta2.0GPAafterallofficialtranscripts are received and transfer course work has been evaluated to be eligible for financial aid.

• IfyouareawardedaFederalDirectStudentLoanyoumustcomplete Entrance Counseling at studentloans.gov. You must also complete a Master Promissory Note (MPN) at www.studentloans.gov if you have not already done so for a prior Federal Direct Loan.

• Manyoutsideorganizationsofferscholarshipstostudentswhomeet certain criteria including, but not limited, to the following: background, professional affiliations, field of study, and/or place of residence. You may find scholarships at www.sfcollege.edu/student/crc/index.php?section=scholarships.

Transfer StudentsIf you plan to transfer to SF during the year (i.e. spring 2012 or summer 2012) you should:

•AddtheSFFederalschoolcode001519ontheFAFSA.

•Contactyourcurrentschoolandtellthemofyourplanstotransfer so they may cancel your aid.

•HaveallofficialfinaltranscriptssenttoRecordsforevaluation.

All transfer credits accepted towards the programs of study as well as attempted course work at SF will be included as attempted credit hours.

You must have at least a 2.0 minimum cumulative all college grade point average (GPA) after all official transfer credits are evaluated to be eligible for financial aid. If you do not have the minimum academic standards, refer to the Satisfactory Academic Progress for Financial Aid Recipients on page 7.

Critical Enrollment InformationMaximum eligibility for funding is based on a full-time enrollment

status; however, part-time students may be eligible for financial aid. Per federal regulations, a student’s financial aid must be calculated by determining the student’s enrollment status based only on course work applicable to the student’s degree or certificate at SF.

Enrollment status categories for funding are as follows:

•Full-timestatusis12credithoursormore;

•Three-quartertimestatusis9to11credithours;

•Half-timestatusis6to8credithours;

• Lessthanhalf-timestatusis1-5credithours.Studentswhoplan to register for less than full-time enrollment status should pay close attention to the eligibility requirements listed for each financial aid program (see page 13).

The following are examples of enrollment status and financial aid eligibility:

A. Melissa’s program of study is associate of arts (AA) 1133 and she has completed all of her SF degree requirements (60 credits). During the fall of 2011, she is registered for 13 credit hours of prerequisites required for admittance to the upper division of a state university that she wants to transfer to in the spring of 2012. Because her fall 2011 courses do not apply to her degree at SF, her financial aid enrollment status is zero hours and she is not eligible for financial aid.

Course Credit Hours INR 2002 International Relations 3

SPN 1121 Spanish 2 4

STA 2023 Introduction to Statistics 3

CPO 2001 Comparative Politics 3

B. John’s program is associate of science (AS) 3315 Nuclear Medicine Technology and his fall 2011 registration of 9 credits includes a 3 credit hour class ENC 1102 that is not applicable

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to his degree at SF. His enrollment status for financial aid is 6 hours (half time).

Course Credit Hours NMT 1111 Patient Care 3

NMT 1430 Radiation Biology 3

ENC 1102 Writing/Lit 3

Flexterm EnrollmentWhat is a standard term? What is a flexterm?

A standard term is 16 weeks in length. The standard fall term runs from August to December and the flexterm session occurs within the standard term at an accelerated pace. For example, the fall A flexterm runs from August to the middle of October, approximately eight weeks.

Your fall financial aid will be based on your projected enrollment in ALL sessions as of the end of the regular drop with a refund date, August 26, 2011, OR the date the federal government processes your financial aid application, or the date that your financial aid is initially calculated by SF, whichever is later.

This is referred to as your “lock-in” date for determining all of your financial aid for the standard fall term, fall A flexterm, or fall B flexterm.

The lock-in date for students who only attend the B flexterm will be the end of the regular drop with a refund date for the B flexterm or their processed date, or the date that your financial aid is initially calculated by SF, whichever is later.

If your application is processed by the federal government after the lock-in date for the standard fall term, August 26, 2011, then your registration will be “locked-in” at the processed date or the date that your financial aid is initially calculated by SF, whichever is later. This same financial aid awarding process will also apply to the spring and summer terms of 2012. Please plan accordingly in scheduling your courses for future terms, and for any flexterms within the terms.

Fall enrollment dates, categories, and examples are as follows:

Semester Starts EndsFall 2011 term: Aug. 22 Dec. 15Fall A flexterm: Aug. 22 Oct. 11Fall B flexterm: Oct. 19 Dec. 15

12 credit hours is full time 12 hrs: 6 fall + 3 fall A + 3 fall B9-11 credit hours is 3/4 time 9 hrs: 3 fall + 3 fall A + 3 fall B6-8 credit hours is 1/2 time 7 hrs 4 fall + 3 fall B5 or less credit hours is <1/2 time 4 hrs: 3 fall + 1 fall B

Students registering for flexterm courses will receive financial aid checks based on the combined flexterm and standard term enrollment. If you have any questions about flexterm enrollment and your financial aid, please contact the Financial Aid Office at financial.aid@sfcollege.edu or (352) 395-5480.

Enrollment Status and Aid Adjustment at “Lock-in” Date

After the lock-in date there are no adjustments to aid. Your award will be based on your recorded enrollment status and it will not increase or decrease after the lock-in date.

Adjustment of Financial Aid AwardsYou will receive a tentative financial aid award based on full-time

enrollment. At the lock-in date (which is the end of the regular drop with a refund date), your enrollment status and degree is recorded and your award may be adjusted. The examples below illustrate the adjustment of a 4-month full-time award (standard term) and a 2-month full-time award (flexterm). Note that the amount of your actual financial aid award depends upon your calculated need.

The following is an example of a 4-month budget (standard term)

12 hours 9 hours 6 hours

Pell Grant $2775 $2081 $1387

Subsidized Direct Loan $1750 $1750 $1750

The following is an example of a 2-month budget (flexterm) 12 hours 9 hours 6 hours

Pell Grant $2775 $2081 $1387

Subsidized Direct Loan $1432 $1796 $2159

Federal Pell Grant is based on your Expected Family Contribution (EFC) and the number of credits you are taking each semester. If you are enrolled for less than 12 hours, your Pell award will be adjusted and, depending on your EFC, your Pell grant may adjust to zero.

Your Direct Loan will change based on your attendance. Prorating is required if the student’s program or the remainder of the student’s program is less than a full academic year (24 credits) in length.

The following is an example based on 6 hours enrollment:

The maximum loan amount will be the annual loan limit multiplied by the number of hours enrolled divided by 24 (the number of hours a full-time student is expected to earn within the academic year).

4500 X 6 = $1125

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Remedial and English as a Second Language (ESL) Coursework

Funding for remedial course work will be limited to 30 credit hours regardless of whether or not the student received any financial aid for these remedial (college preparatory courses) credit hours.

For students receiving financial aid, federal regulations place no limit on the number of ESL (English as a Second Language) credit hours a student may take. Certain ESL courses are ineligible for funding. This will be indicated on the students’ schedule.

Remedial and ESL course work are treated the same as other courses for satisfactory academic progress purposes. Grades received in these courses will be used in calculating a GPA and hours attempted will be used to determine the percent of completion. Remedial and ESL course work will be counted when determining the maximum time frame for receiving financial aid.

Fee Deferment A fee deferment is a charge of fees with the promise to pay at

the established deadline. It does not automatically pay your fees; it only delays the payment. If you have been awarded financial aid, tuition will be deferred if fees are less than or equal to the amount of projected financial aid for the term.

If you have not yet been awarded, but have a complete financial aid file, you may contact the Financial Aid Office for consideration of a fee deferment. Late applicants should be prepared to pay for tuition, books, housing, etc.

You will be notified in writing of the fee deferment deadline. If the total deferred fees are not paid by the deadline, you will be flagged for a financial obligation to the college with a hold on all records and will be turned over to collections.

If you drop a class after the drop with a refund date (e.g. during the period that you would receive a W), you will be responsible for paying the deferred fees.

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Fall and Spring 2011-2012 Student BudgetsTUITION FL Resident $102.36 Per credit hour $2,457

Non-FL Resident $377.41 Per credit hour $9,058

OTHER EXPENSES Single Resident* Single Commuter*

Books $700 $700 Room and Board $6,712 $1,136 Personal Expenses $3,032 $3,032 Transportation $1,064 $1,904

TOTALS FL Resident $13,965 $9,229 Non-FL Resident $20,565 $15,529

*Costs are subject to change. To check the cost of attendance go to www.sfcollege.edu and click on Financial Aid for updated information. The resident or commuter budget is determined by the student’s intended housing plans reported in step six of the FAFSA.

Students With Disabilities The Financial Aid Office and the Disabilities Resource Center (DRC)

work together to assist students with disabilities. Contact the DRC for any special needs assistance at (352) 395-4400 voice/TTY or visit Building S, room 229. Upon request, the DRC will arrange a meeting with a financial aid specialist.

Veterans AffairsVeterans assistance programs at SF are coordinated by the

Veterans Affairs Office (R-110), (352) 395-5505. Veterans applying for financial aid must report all educational benefits and provide written verification of same to the Financial Aid Office. Veterans may also be requested to submit a valid DD214 discharge form.

VerificationVerification is the process established by the U.S. Department

of Education to check the accuracy of the information submitted on the FAFSA. Verification may occur any time during the application or awarding process. In most cases, applicants are selected by the U.S. Department of Education; however, the college may also select a student. If selected, you will be notified by the federal processor and/or SF. If you selected to use your IRS tax information during the FAFSA application process, you may reduce the documents that are required during verification. You may be asked to provide the following additional documents:

Dependent Student•2011-2012VerificationWorksheet•Signedcopyofyour2010federalincometaxreturn•Signedcopyofyourparent(s’)2010federalincometaxreturn(s)•Anyotherdocumentsnecessarytoverifydata

Independent Student•2011-2012VerificationWorksheet

•Signedcopyofyour(andspouse’s)2010federal income tax return(s)

• AnyotherdocumentsnecessarytoverifydataThisreviewmay lengthen the processing time by four to eight weeks. No money will be awarded until the verification process has been completed. Each student must complete the verification process before the end of his or her academic year; files are inactivated in 90 days if no response is received. If the student refuses to provide the required verification documents, the case may be

referred to the Office of Inspector General for resolution.

Misrepresentation of CircumstancesTo maintain the integrity of the programs administered by the

Financial Aid Office, all information and documentation submitted must be accurate and authentic. Students must provide complete information on all application forms and supplemental documents. Misrepresentation or the falsification of information and/or statements on application forms for federal financial aid is a violation of law and can be considered a criminal offense subject to penalties under the U.S. Criminal Code. Penalties also apply to state and institutional student aid funds. If the college has reason to believe that an applicant has applied for Federal Student Aid under false pretense, the case may be referred to the Office of Inspector General for resolution.

Financial Aid ProgramsFederal Pell Grant

This is a need-based grant program awarded to low-income undergraduates. Eligibility is determined by the federal processor. Award amounts are prorated according to the student’s enrollment status (e.g. full time, three-quarter time, half time, less than half time). Fees may be deferred and books may be charged to accepted awards. Award amounts may range from $500-$5550 and are subject to change.

Federal Supplemental Educational Opportunity Grant (FSEOG)

This is a need-based grant program awarded to undergraduates with exceptional need and is given to Federal Pell Grant recipients with early application as funds are available. Fees may be deferred and books may be charged to accepted awards. Award amounts range from $200-$600 per year. A minimum of half-time enrollment status (6-8 hours) per standard term is required for consideration.

Florida Student Assistance Grant (FSAG)This is a need-based state grant program awarded to

undergraduates. To be considered, students must have one year prior Florida residency and be enrolled in an eligible degree program. Priority is given to students with early application as funds are available. For renewal eligibility if enrolled full time, students must earn 24 credit hours in previous summer, fall and spring semesters. If enrolled half time (6-8 hours) students must earn 12 credit hours; if enrolled three-quarter time (9-11 hours) students must complete 18 credit hours. If the award is a combination full-time and part-time FSAG, the student must successfully complete the applicable credit hours for each term. Award amounts range from $200-$2068 per year. Fees may be deferred and books may be charged to accepted awards.

Florida Student Assistance Grant for Students in Certificate Programs (FSAG-CE)

This is a need-based state grant created to assist Florida students enrolled in certificate programs. To be considered, students must have one year prior Florida residency and be enrolled in a certificate program. Priority is given to students with early application as funds are available. For renewal eligibility, if enrolled full time, students must earn 24 credit hours in previous summer, fall and spring semesters. If enrolled half time (6-8 hours) students must earn 12 credit hours; if enrolled three-quarter time (9-11 hours) students must complete 18 credit hours. If the award is a combination full-time and part-time FSAG-CE, the student must successfully complete the applicable credit hours for each term. Award amounts range from $200-$2068 per year. Fees may be deferred and books may be charged to accepted awards. The student does not have to receive the Pell Grant to receive an FSAG-CE program grant.

Florida Work Experience Program (FWEP)This is a need-based state funded program providing eligible

students work experience to complement and reinforce their educational career goals. To be eligible, the student must be a

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Florida resident and be enrolled at least half-time. Awards range from 10-15 hours per week. Students are paid minimum wage bi-monthly. Students who are awarded should contact the Financial Aid Work Study office in R-122 for job placement. A minimum of half-time enrollment status (6-8 hours) per standard term is required for consideration.

Federal Work Study (FWS)This is a need-based student work program. Awards range from

10-15 hours per week. Students are paid minimum wage bi-monthly. Students who are awarded should contact the Financial Aid Work Study office in R-122 for job placement. A minimum of half-time enrollment status (6-8 hours) per standard term is required for consideration. Community Service work study positions are available; if interested, advise the work study placement specialist.

Santa Fe ScholarshipThis institutional scholarship is awarded to out-of-district students

with early application as funds are available. Students must be taking course work required for their major; however, any enrollment status will be considered when determining awards.

Loans are Financial AidWilliam D. Ford Federal Direct Loan (Direct Loan Program)

Santa Fe College participates in the William D. Ford Federal Direct Loan and the lender is the U.S. Department of Education. Fees may be deferred and books may be charged to accepted loans. The amount of the deferment will be limited to the net loan disbursed. A minimum half-time enrollment status (6-8 hours) per standard term is required for consideration. The loan will be disbursed in two installments, and no installment will be greater than half the loan amount.

A subsidized loan is awarded on the basis of financial need. If you’re eligible for a subsidized loan, the government will pay (subsidize) the interest on your loan while you’re enrolled at least half time, for the first six months after you cease to be enrolled at least half time, and if you qualify to have your payments deferred. Depending on your financial need, you may borrow subsidized money for an amount up to the annual loan borrowing limit for your level of study (see below).

You might be able to borrow loan funds beyond your subsidized loan amount even if you don’t have financial need. In that case, you’d receive an unsubsidized loan. We will subtract the total amount of your other financial aid from your cost of attendance to determine the amount of your unsubsidized loan. Unlike a subsidized loan, you are responsible for the interest from the time the unsubsidized loan is disbursed until it’s paid in full. You can choose to pay the interest or allow it to accrue (accumulate) and be capitalized (that is, added to the principal amount of your loan). Capitalizing the interest will increase the amount you have to repay.

You can receive a subsidized loan and an unsubsidized loan for the same enrollment period as long as you don’t exceed the annual loan limits. For loans first disbursed on or after July 1, 2008 the following limits apply:

• Dependentundergraduatestudent(excludingstudentswhoseparents cannot borrow Parent Loan for Undergraduate Students (PLUS Loan):

o $5500 if you’re a first-year student enrolled in an eligible program of study. No more than $3500 of this amount can be in subsidized loans.

o $6500 if you’ve completed your first year of study in an associate degree program. No more than $4500 of this amount can be in subsidized loans.

o $7500 if enrolled in a bachelor degree program of study. No more than $5500 of this amount can be in subsidized loans.

• Independentundergraduatestudent(andadependentstudentwhose parents have applied for but were unable to get a PLUS Loan:

o $9500 if you’re a first-year student enrolled in an eligible program of study. No more than $3500 of this amount may be in subsidized loans.

o $10500 if you’ve completed your first year of study in an associate degree program. No more than $4500 of this amount may be in subsidized loans.

o $12500 if enrolled in a bachelor degree program of study. No more than $5500 of this amount may be in subsidized loans.

Loan ProrationLoan proration is a reduction of the standard annual loan limit for

an undergraduate student. Proration of the loan amount is required if the student’s program, or the remainder of the student’s program, is less than a full academic year (24 credits) in length.

Over a four-year period beginning July 1, 2008, the interest rate on subsidized Stafford Loans made to undergraduate students will be reduced. The applicable interest rates for loans made during this period are as follows:

First disbursement of a loan*: Made on or after And made before Interest rate on the

unpaid balanceJuly 1, 2008 July 1, 2009 6.0 percentJuly 1, 2009 July 1, 2010 5.6 percentJuly 1, 2010 July 1, 2011 4.5 percentJuly 1, 2011 July 1, 2012 3.4 percent

These changes apply to subsidized Stafford Loans first disbursed on or after July 1 of each year through June 30 of the next year. This change does not affect any prior loans made to borrowers; the terms and interest rates of those loans remain the same. These reduced interest rates apply only to subsidized loans; any unsubsidized Stafford Loan for the same undergraduate borrower would continue to be made at the current fixed interest rate of 6.8 percent.

*For loans that are disbursed on or after July 1, 2010, there is a fee of 1.0 percent of the loan, deducted proportionately from each loan disbursement.

If this is your first Federal Direct Loan, you must sign a Master Promissory Note (MPN), a binding legal document that lists the conditions under which you’re borrowing and the terms under which you agree to repay your loan. You may access a promissory note

Federal Loan Repayment ExampleLoan Type Amount Interest Rate Monthly Payment Total Interest Total Paid Total Months Borrowed in Repayment

Direct Loan $ 3500 6.0 $ 50.00 $ 818.59 $ 4318.59 87

Direct Loan $ 5500 6.8 $ 51.79 $ 1714.80 $ 6214.80 120

Direct Loan $ 9500 6.8 $ 109.33 $ 3619.60 $ 13119.60 120

PLUS $ 5000 7.9 $ 60.40 $ 2248.00 $ 7248.00 120

PLUS $ 11000 7.9 $ 132.88 $ 4945.60 $ 15945.60 120

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and submit it online at www.studentloans.gov. If you are unable to complete the MPN online, contact the Financial Aid Office for assistance. You must also complete and transmit the results of your online Entrance Counseling at www.studentloans.gov.

30-Day HoldGenerally, if you’re a first-year undergraduate student and a first-

time borrower, SF will hold your first payment until 30 days after the first day of your enrollment period. This practice ensures you won’t have a loan to repay if you withdraw during the first 30 days of classes.

Borrower Responsibilities

You must keep SF and the federal government informed of any changes in your: 1) Name

2) Permanent address

3) Name and address of expected employer

4) Address of next of kin

5) Change in enrollment status to less than half time

How will I get the loan money?For the Direct Loan program, you’ll be paid through your school in

at least two installments. No installment may exceed one-half of your loan amount. Your loan money must first be applied to pay for tuition and fees, room and board, and other school charges. If loan money remains, you’ll receive the funds by check or in cash, unless you give the school written authorization to hold the funds until later in the enrollment period.

A school with a cohort default rate of less than 10 percent for each of the three most recent fiscal years for which data are available is not required to delay the delivery or disbursement of the first disbursement of a loan for 30 days for first-time, first-year undergraduate borrowers.

Repaying Your LoansAfter you graduate, leave school, or drop below half-time

enrollment, you have a period of time before you have to begin repayment. This “grace period” will be six months for a Direct Stafford Loan. (If you’re a parent reading this and you have a Direct PLUS Loan, you don’t have a grace period and generally must begin repayment within 60 days after the loan is fully disbursed.)

You have a choice of repayment plans (page 6). Your monthly payment will depend on the size of your debt and the length of your repayment period. “Funding Education Beyond High School: The Guide to Federal Student Aid” explains available repayment options, includes examples of monthly payments for different loan amounts, and covers other topics you need to consider when managing your loans. This guide can be found at www.studentaid.ed.gov/guide/. To use the calculator to determine your repayment amounts under each of the different repayment plans go to www.ed.gov/offices/OSFAP/DirectLoan/calc.html.

Exit CounselingExit counseling builds on the information provided during Entrance

Counseling by reviewing Stafford loans, repayment options, rights and responsibilities and the consequences of default. Exit counseling helps students gain the fundamentals they need to understand and manage their student loan debt. The institution is required to conduct exit counseling for every student at the school who borrowed a Stafford loan if the student ceases to be enrolled at least half time.

You’ll receive exit counseling information through your eSantaFe account and/or via mail. It is important that you complete exit counseling to understand repayment options and your rights and responsibilities as a borrower. We can’t emphasize enough the importance of making your full loan payment on time either monthly (which is usually when you’ll pay) or according to your repayment schedule. If you don’t, you could end up in default, which has serious

consequences. Student loans are real loans—just as real as car loans or mortgages. You have to pay back your student loans.

Get Your Loan InformationThe U.S. Department of Education’s National Student Loan Data

System (NSLDS) allows you to access information on loan and/or federal grant amounts, your loan status (including outstanding balances), and disbursements made. Go to www.nslds.ed.gov.

Federal Parent Loans to Undergraduate Students (PLUS)

Students must complete the FAFSA and have a valid SAR on file to process a PLUS Loan. This federal student loan program for parents of dependent students enables parents to borrow for the students’ education. The award limit is the college budget less other financial aid. A minimum half-time enrollment status (6-8 hours) per standard term is required for consideration and students must meet minimum standards of Satisfactory Academic Progress. Parents must complete the PLUS School Certification Request form available from the SF Financial Aid Web site, as well as, complete the PLUS Request process at www.studentloans.gov.

Policies That Affect YouSatisfactory Academic Progress for Financial Aid Recipients — Minimum Standards

Standards of Satisfactory Academic Progress (SAP) for Financial Aid Eligibility Federal regulations (34 CFR 668.34) require a student to move toward the completion of a degree or certificate within an eligible program when receiving financial aid. Specific requirements for academic progress for financial aid recipients are applied differently than college Academic Standards, Warning, Probation, and Suspension. Federal regulations state that Satisfactory Academic Progress Standards must include a review of all periods of enrollment, regardless of whether or not aid was received. The student must meet all the minimum standards in order to receive financial aid.

I. Eligibility

Students must meet the following criteria:

• Complete67%ofallcreditsattempted;

• MaintainaminimumcumulativeGPAof2.0;

• Completetheirprogramofstudywithinthe150%timeframeoftheir degree or eligible certificate program. For example, if a program is 60 credit hours then the student must complete all required coursework within 90 hours.  This includes repeated grades;

• Studentswhohavezerocreditshourscompletedforanyfundedterm will be suspended if their overall GPA is below a 2.0 and/or their completion ratio is below 67 percent;

• TheinitialevaluationatSantaFewillbebasedonallpreviousinstitutions attended once the official transcripts are received, evaluated, and posted to the student’s record. Transfer students musthavea2.0allcollegecumulativeGPAandcomplete67%ofattempted credits accepted towards their program of study.

Note: Grades of F, I, W, and courses not yet graded are considered attempted but not meeting progress standards for the purposes of financial aid.

II. Evaluation of Financial Aid Eligibility • StandardsofSatisfactoryAcademicProgress(SAP)areappliedat

the end of every semester to determine eligibility for the following academic semester. SAP standards are calculated using the all college cumulative GPA and cumulative completion rate. Students must maintain an overall GPA of 2.0 or higher and a completion rateof67%ormore.

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• Studentswillbeplacedonfinancialaidwarningiftheyhavenotmet the standards of satisfactory academic progress for the first time. While on warning, students will be eligible for aid for the subsequent term. Students will need to raise their GPA and/or completion rate to meet the minimum SAP requirements to maintain financial aid eligibility at the completion of their term on warning.

• Studentswhohavezerocreditshourscompletedforanyfundedterm will be suspended if their overall GPA is below a 2.0 and/or their completion ratio is below 67 percent.

• Theevaluationperiodwillbebasedonattendanceinallpriorsemester(s) and will include all classes attempted whether federal aid was received or not. SAP will be reviewed after each semester. The student’s cumulative GPA and completion ratio must meet the minimum standards or the student will be placed on warning, probation, or suspension, as appropriate.

• CreditsevaluatedwillincludecreditsattemptedatSantaFe,transfer credits accepted by Santa Fe, and courses funded through consortium agreement.

• StudentsonprobationandfollowingaFinancialAidAcademicProgress Plan will be evaluated according to the terms of the progress plan.

• StudentswhodonotmeettheStandardsofSatisfactoryAcademic Progress will be notified via eSantaFe and their status will be available on eSantaFe under My Financial Aid Info.

• Studentsmayfollowtheappealprocessorthereinstatementprocedures as outlined in V, VI, and VII. Students will not have eligibility for any further federal aid until they have met Standards of Satisfactory Academic Progress or have been granted an appeal approval.  

Postsecondary Adult Programs (PSAV)

• StudentsinPSAVprogramsmustsuccessfullycompletetheclockhour course work with a 2.0 GPA for each course funded before additional payment can be made.

• Studentswhohavezerocredits/hourscompletedforanyfundedterm will lose all subsequent financial aid, regardless of overall GPA and completion ratio.

• Durationofeligibilitywillbelimitedtothepublishedlengthoftheprogram.

• Studentsmustcompletetheirprogramofstudywithinthe150%timeframe of their eligible certificate program.

III. Maximum Timeframe Eligibility • Studentswhohaveattemptedmorethan150%ofthecredits

required for their program of study are not considered to be

making Satisfactory Academic Progress and therefore, are ineligible for financial aid funds. Remedial hours will be excluded from the maximum time frame determination.

• Studentsseekingseconddegreesandstudentswithdoublemajors are monitored like any other student under this policy. If the student exceeds the maximum time frame allowed for their respective programs, the student may appeal if they have mitigating circumstances. All transfer hours accepted towards the program of study by Santa Fe will be included when determining maximum timeframe eligibility.

• Studentswillnothavefinancialaideligibilityiftheyexceedthemaximum timeframe unless an appeal is approved. A student may appeal as outlined in V.

• StudentsgivenamaximumtimeframeappealwillbeplacedonaFinancial Aid Academic Progress Plan (FAAPP) and are required to successfullycomplete100%ofallfuturecourseworkwhileontheFAAPP. 

IV. Repeated, Audited, Consortium, Remedial Courses, Enrollment• Studentswillbeeligibleforfinancialaidiftheyrepeatcourses

they previously did not pass, provided other SAP criteria are met.

• Allclassestakenmustbecountedasattemptedclassesregardless of grade forgiveness or academic petitions for withdrawals.

• Auditedcourses,continuingeducation,creditbyexamination,andany credit for prior learning option (as outlined in the catalog) are excluded when determining eligibility for financial aid.

• Coursesfundedthroughaconsortiumagreementareincludedindetermining academic progress.

• RemedialcreditswillbeincludedintheevaluationofGPAand67%completion.Remedialhourswillbeexcludedfromthemaximum time frame determination.

• Fundingforremedialcourseworkwillbelimitedto30credithours regardless of whether the student received any financial aid for these college preparatory courses, including remedial hours transferred from another institution. Once the student has attempted 30 credit hours in remedial courses, the student is no longer eligible to receive financial aid for additional remedial hours. 

• Enrollmentinanypartofthetermwillbeconsideredintherespective fall, spring, or summer terms to be evaluated for SAP. Evaluations will occur at the end of the full term; mini-terms are evaluated as part of the full term and not individually.

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V. Appeal Process A student who has lost financial aid eligibility due to extenuating

circumstances may appeal.

• Extenuatingcircumstancesthatmaybeconsideredinclude:personal illness or accident, serious illness or death within immediate family, or other circumstances beyond the reasonable control of the student.

• AllappealsmustbeinwritingtotheFinancialAidOfficeandinclude appropriate documentation.

• Examplesofdocumentationcouldincludeadeathcertificate,obituary notice, divorce decree, or a letter from a physician, attorney, social services agency, parole officer, employer, etc.

• Theconditionorsituationmustberesolvedwhichwillallowthestudent the ability to complete course work successfully or an appeal will not be granted.

• Theappealwillresultinoneofthefollowing:

1. Denial

2. Approval – Students will be placed on Probation for one semester. At the end of the semester the student is expected to meet Standards of Academic Progress.

3. Student will be placed on a Financial Aid Academic Progress Plan (FAAPP) (See requirements in VI.)

• StudentswillbenotifiedoneSantaFeoftheresultsoftheappeal, and of any restrictions or conditions pertaining to their appeal.

In order to regain eligibility for financial aid, the student would need to meet Satisfactory Academic Progress Standards.  Students who do not meet the terms of financial aid probation may permanently lose eligibility for federal student aid at Santa Fe College.

VI. Financial Aid Academic Progress Plan (FAAPP)Students that are granted an appeal and are not expected to meet

Standards of Academic Progress within the probationary term may be placed on a Financial Aid Academic Progress Plan (FAAPP)

• StudentswhoaregrantedanappealandplacedonFAAPPbecause they do not meet the 2.0 minimum GPA requirement will be expected to earn a “C” or better on all coursework attempted until they meet the minimum Standards of Academic Progress.

What Happens 1st Term 2nd and Subsequent Terms If you are suspended

If your GPA drops below a 2.0 Warning - Raise your GPA to a 2.0 or higher by the end of the next semester.

Suspended - You are not eligible for financial aid

You can appeal if you have documented mitigating circumstances that were beyond your control.

If you do not have an overall completionrateof67%ormore

Warning - Raise your completion ratioto67%orhigherbytheend of the next semester.

Suspended - You are not eligible for financial aid

You can appeal if you have documented mitigating circumstances that were beyond your control.

If your GPA drops below a 2.0 and your overall completion rate islessthan67%

Warning - Raise your completion ratioto67%orhigherANDyourGPA to a 2.0 or higher by the end of the next semester.

Suspended - You are not eligible for financial aid

You can appeal if you have documented mitigating circumstances that were beyond your control.

Ifyouattemptover150%ofyour program of study

Suspended - You are not eligible for financial aid

Suspended - You are not eligible for financial aid

You can appeal if you have mitigating circumstances. If your appeal is approved you will need to successfully complete 100%ofallclassesandrequired to maintain an overall GPA of 2.0 or higher.

Once the student meets the minimum requirements, the student is no longer on the FAAPP.

• StudentswhoaregrantedanappealandplacedonFAAPPbecausetheydonotmeetthe67%completionratiorequirementwill be expected to earn a “C” or better on all coursework attempted,andmustcomplete100%ofthecoursestheyattempt, until they meet the minimum Standards of Academic Progress. Once the student meets the minimum requirements, the student is no longer on the FAAPP.

• StudentswhoaregrantedanappealandplacedonFAAPPbecausetheyhaveexceeded150%ofthemaximumtimeframewillberequiredtocomplete100%oftheirattemptedcoursework.

• StudentswhoaregrantedanappealandareonaFAAPPmaynotchange their program of study without an additional appeal.

VII. Reinstatement of Financial Aid Eligibility • Astudentwhohaslostfinancialaideligibilitymaybereinstated

after the student meets the minimum GPA requirement of a 2.0 andacompletionrateof67%.

• Allclassestowardstheprogramofstudy,includingthosetaken at other institutions, will be taken into consideration for reinstatement purposes.

• Astudentmustbeabletocompletetheirdegreeorcertificatewithinthe150%timeframe.

• Itisthestudent’sresponsibilitytonotifytheFinancialAidOfficewhen these conditions have been met.

SummaryHow to Keep your Financial Aid• Complete67%ofallclassesattempted

• MaintainanoverallGradePointAverage(GPA)of2.0orhigher

• Completeyourdegreewithinthe150%timeframe(i.e.an associate degree of 60 credit hours must be completed within 90 credit hours)

• BecomefamiliarwithSantaFe’sSatisfactoryAcademic Progress Policy

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Federal Repayment PolicyAs a result of the Higher Education Act of 1998, a student who

completely withdraws from classes may be required to repay a percentage of financial aid funds received.

The Registrar’s Office, located in R-101, is the designated office to contact about withdrawing from the college. Office hours are 8 a.m. to 4:30 p.m. Monday through Friday. For official withdrawal procedures, please see the college catalog.

College refund policy dictates that fees will be refunded in full for course work dropped during the drop with a refund date or canceled by the college. However, the federal repayment policy supersedes the college refund policy for students receiving federal financial aid and completely withdrawing from the college.

In general, a portion of federal student financial aid (Title IV) grant or loan funds, but not federal college work study funds, must be returned to the Title IV programs upon a recipient’s withdrawal from school. Simply put, any Title IV financial aid recipient who withdraws within the first 60 percent of the payment period measured in calendar days owes a portion of unearned aid back to the federal government. The college will also owe a percentage of the refund of the institutional costs. Any amount that the college repays will be billed to the student.

All students receiving Title IV assistance who completely withdraw are subject to the federal repayment law. This law uses the terms “earned” and “unearned” Title IV funds when relating the amount of assistance applicable to the percentage of time enrolled. It is the unearned portion that becomes the focus of the Return of Title IV Funds formula.

The school must first determine the percentage of Title IV assistance the student earned. Up through the 60 percent point in time, the percentage of assistance earned is equal to the percentage of the payment period completed as of the day the student withdrew. If the withdrawal occurs after the 60 percent point, then the percentage earned is 100 percent, and no refund/repayment is required. The difference between the earned Title IV assistance and 100 percent equals the percentage of unearned Title IV funds that are therefore subject to repayment by the school and/or the student. Any required repayment is allocated back to the Title IV programs in order specified by law.* A student must repay the portion of the original grant overpayment that is in excess of half of the total Title IV grant funds that he or she received or could have received. The student does not have to repay grant overpayments of $50 or less per program. Any repayment of Title IV loans is to be repaid under the conditions of the existing promissory note.

A student who owes a grant repayment remains ineligible for further Title IV assistance until the grant is repaid, unless the student and the U.S. Department of Education agree on a satisfactory repayment arrangement. The U.S. Department of Education allows a student to retain eligibility for 45 days from the date that the institution sends the repayment notification to the student. To continue eligibility past 45 days, the student will either have to pay the overpayment in full or make satisfactory arrangement with the U.S. Department of Education to repay.

For more specific information regarding this policy or for examples of the repayment formula, please contact the Financial Aid Office at (352) 395-5480.

*Return Title IV funds in the order as specified by law: 1. Unsubsidized Federal Stafford Loans 2. Subsidized Federal Stafford Loans 3. Unsubsidized Direct Stafford Loans 4. Subsidized Direct Stafford Loans 5. Federal PLUS Loans 6. Direct PLUS Loans 7. Federal Pell Grant 8. Federal SEOG 9. Other Title IV assistance

67% Completion Chart for Successful Progression toward a Degree or Eligible Certificate by Term.Thecharttotherightdemonstratesatleasta67%completion

rate for attempted hours in a semester.  The left hand column is the attempted hours and the corresponding number in the right column is the number of hours you must successfully complete with a 2.0 GPA to maintain Satisfactory Academic Progress. For example, if you register for 14 credit hours, you must complete 10 credit hours with a 2.0 GPA or higher to meet the satisfactory academic progress requirements for the semester. These standards apply to the current semester, as well as, cumulative credit hours on your transcript.

GPA Calculator – Raise My GPA www.back2college.com/raisegpa.htmCompletion Rate Worksheet: 

Enter Your Hours Sample

Total Credit Hours Completed

_____ 25

divided by / /

Total Credit Hours Attempted

_____ 35

Equals = =

Completion Rate (multiply by 100 to get the percentage)

_____ _____

Credit Hours Attempted Earned Hours Needed (Passed with GPA of 2.0 or greater)

19 13

18 13

17 12

16 11

15 11

14 10

13 9

12 8

11 8

10 7

9 7

8 6

7 5

6 5

5 4

4 3

3 3

2 2

1 1

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www.sfcollege.edu/financialaid

Financial Aid ResourcesFAFSA on the Web – For federal program information, help in filling out the FAFSA application, requesting a duplicate Student Aid Report (SAR), change of address, adding schools, or query status:

(800) 433-3243

TTY (800)730-8913

www.fafsa.ed.gov/

FAFSA on the Web Customer Servicewww.fafsa.ed.gov/contact.htm

Federal PIN Registrationwww.pin.ed.gov

National Student Loan Data System (NSLDS)www.nslds.ed.gov/

U.S. Department of Education’s central database with Title IV loans and/or Federal Pell Grant information including loan and/or grant amounts, outstanding balances, loan status, and disbursements.

Direct Loan Services Onlinewww.dl.ed.gov/borrower/BorrowerWelcomePage.jsp

Federal Direct Loans www.ed.gov/offices/OSFAP/DirectLoan

Federal Direct Loan Master Promissory Note (MPN) Online http://dlenote.ed.gov

Closed School Search Pagehttp://wdcrobcolp01.ed.gov/CFAPPS/FSA/closedschool/

searchpage.cfm

Federal Student Aid www.studentaid.ed.gov

Aid for Native American Students www.finaid.org/otheraid/natamind.phtml

Scholarships Informationhttp://studentaid.ed.gov/PORTALSWebApp/students/english/

scholarships.jsp?g

Scholarship Scam Alert www.ed.gov/about/offices/list/oig/misused/sscams.html

Bright Futureswww.floridastudentfinancialaid.org/ssfad/bf/

Florida Financial Aid Application www.FloridaStudentFinancialAid.org

Selective Service System Online www.sss.gov

Title IV Code Search Page www.fafsa.ed.gov/FOTWWebApp/FSLookupServlet

Student Gateway to the U.S. Government www.students.gov

U.S. Department of Education SFA Ombudsman www.ombudsman.ed.gov/

Florida’s Academic Counseling and Tracking for Studentswww.facts.org

The National Scholars Honor Societywww.CollegeHonors.org

SF Career Resource Center’s Scholarship Information http://www.sfcollege.edu/student/crc/index.

php?section=scholarships

Student Refunds and Financial Aid Disbursements

Santa Fe College has partnered with Higher One, a company that specializes in student refund payment services, to provide students with free direct deposit of Financial Aid disbursements and refunds from Santa Fe via the SF SmartCard. With the SF SmartCard, payments are delivered in the manner the student chooses – Easy Refund to the student’s OneAccount, ACH transfer (direct deposit) to the student’s personal bank account, or via a check mailed via US Mail (after 21 days) if no deposit selection is made.

Financial aid disbursements are sent to Higher One for processing approximately three working days after the drop with a refund date and as soon as aid is available. Federal Pell Grant, and William D. Ford Federal Direct Loans disbursements must be accepted by the federal government prior to disbursement. Florida Student Assistance Grant, Bright Futures and other state scholarship disbursements will be processed as funds become available and internal reporting is completed. SF Foundation Scholarship disbursements will be processed mid-semester.

Financial aid disbursements will not be processed for students owing an obligation to the college. If you owe an obligation, you will be notified and should resolve the issue. Once your issues have been resolved, your disbursement will be processed. You are responsible for any debt or overpayment occurring as a result of your error or institutional error. The Cashier’s Office is located in the Alan J. Robertson Administration Building, room 52, and is open for business Monday through Friday 8:15 a.m. to 4 p.m.

Additional Information Anti Drug Abuse Act

Students should be aware that, if convicted of a drug felony, they may lose eligibility for federal financial aid programs.

DefaultStudents are not eligible for federal or state student aid if they are

in default on a federal loan or owe a repayment on a student grant.

A student who has a financial obligation or is in default on a student loan shall not be permitted to graduate, register, receive an academic transcript or benefit from other regular college services.

Need Financial Aid Forms?You can download forms at www.sfcollege.edu/financialaid/index.

php?section=forms.

Report Outside ResourcesNotify the Financial Aid Office of all financial aid assistance not

listed on your award notification as your award may have to be adjusted. You will be responsible for any overpayment occurring as a result of receipt of outside resources.

Check the WebIt is your responsibility to check eSantaFe for your financial aid

information and read your notifications regularly.

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Professional JudgmentFederal regulations allow SF to deny loan eligibility to any student

based on the professional judgment of the financial aid administrator. If you or your family have unusual circumstances that affect your eligibility consult with a financial aid specialist for additional information.

DisclaimerAvailability and regulations governing the financial aid programs as

well as institutional policies and procedures are subject to change without notice. Updated information may be available on our Web site at www.sfcollege.edu/financialaid/.

Federal Student Aid Office of the Ombudsman

An ombudsman resolves disputes from a neutral, independent viewpoint. The U.S. Department of Education provides the services of the Student Financial Aid Ombudsman who works with student loan borrowers to resolve loan disputes and problems informally. The office can be contacted at (877) 557-2575, via the Web at http://ombudsman.ed.gov, or by mail at:

FSA Ombudsman U.S. Department of Education830 First Street, NE, Fourth FloorWashington, DC 20202-5144

Interested in a Direct Loan or Summer 2012?

Submit to our office the summer financial aid request that will be available in early spring 2012. Please read the information below regarding your loan eligibility for the fall 2012 term.

If you have been awarded Direct Loans for the fall and spring terms of the 2011-2012 academic year and are interested in Direct Loans for summer 2012 term, the following may apply to you:

You may have less loan eligibility for the fall 2012 term if your summer loan award exceeds one-half of the maximum you are entitled to borrow in an academic year (an 8-month period). Your academic year limit is based on your grade level (first or second year in program) and dependency status (independent or dependent).

The amount of your award is based on the assumption of full-time enrollment in the full term. The amount of your award is based on your registration (number of credit hours) and on the enrollment period (full semester and/or flexterm) and it may change accordingly.

Example 1 John is a dependent first year student. During the summer

2012, he was awarded a subsidized loan for $3500. The maximum eligibility of his fall 2012 loan is $0. This amount is the difference between his loan limit ($3500) and the summer loan award ($3500).

Example 2

Mary is an independent first year student. During the summer 2012, she was awarded a subsidized loan for $3500 and an unsubsidized loan for $1500. She has no additional subsidized loan eligibility for fall 2012 because her summer 2012 subsidized loan for $3500 was the maximum she is entitled to borrow per academic year. For fall 2012 the maximum amount of her unsubsidized loan eligibility is $2500. This amount is the difference between her unsubsidized loan limit ($4000) and her summer 2012 loan award ($1500) = $2500.Should you have any questions regarding your loan eligibility, please contact the Financial Aid Office at www.financial.aid@sfcollege.edu or call (352) 395-5480.

Study Abroad Students participating in a Santa Fe College (SF) Study Abroad

program may be eligible to receive financial assistance for their academic credits approved by SF if the coursework is required for the students’ program of study at SF.

Other Sources of Aid2011-2012 Scholarships

Scholarships are gift aid based on scholastic achievement or special talent; some consider financial need. Scholarships designated for Santa Fe College students are described below. Many outside organizations offer awards based on place of residence, background, professional affiliations and/or field of study. Free computerized scholarship search assistance is available in the Career Resource Center. Outside aid is considered in your aid package and must be reported to the Financial Aid Office.

Many upper division schools offer transfer scholarships to outstanding students graduating from SF. For information on such scholarships, contact the university or college you plan to attend or visit our Web site at http://www.sfcollege.edu/financialaid/scholarships.php. Transfer scholarship deadlines are usually early spring for the following fall term.

SF Board of Trustees ScholarshipsBy Florida statute, the following nine scholarships are funded in

part by a portion of every tuition dollar. In-state tuition and fees are charged to these awards, unless otherwise stated in the student’s scholarship.

Board of Trustees ScholarshipsThis one-year need-based award is offered on a first-come, first-

served basis to in-district students who have completed all SF admission requirements and the Federal Application for Student Financial Aid. Students must meet minimum standards of academic progress as defined on page 7.

Athletics This one-year renewable award is offered through the SF Athletics

Department to students who excel in baseball, basketball or softball. Students selected by the SF Athletics Department must meet state athletic scholarship guidelines for eligibility and renewal. Full-time enrollment is required. Contact the Athletics Department at (352) 395-5535 for more information.

Creative ArtsThis one-year renewable award is offered through SF’s Fine Arts

Department to students who excel in art, dance, debate, music or theater. Consideration of candidates is based on auditions, portfolio, interview and recommendation. Students must enroll in courses relating to award, and full-time enrollment is required. Contact Fine Arts Chairperson at (352) 395-5310 for more information.

College Achievement Program This award is offered each year to outstanding participants in the

College Achievement Program. Students have three years to use this award. Full-time enrollment is required and students must maintain a 2.5 cumulative GPA for renewal. Contact the Office of Diversity at (352) 395-5058 for more information.

James Gregg Honors Program The Honors Program Scholarship Committee will award up to

twenty scholarships per academic year to selected students from the Honors Program. Each scholarship will be granted for one year, renewable up to two consecutive years if academic standards are met. For additional information contact the Office of International Education, Economic Development and Honors Program at (352) 381-

3646 or in Building B, room 213.

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Public Service This scholarship is offered to selected students who are

participating in the Gainesville Police Department’s Cadet Program. Students are expected to attend full time and must maintain a 2.0 cumulative GPA for renewal.Contact GPD Crime Prevention at (352) 334-2444 for more information.

Student Ambassador This one-year award is offered through SF’s Office of Admissions to

16 students selected to represent the college for the fall and spring terms. Students must have earned at least 18 credit hours at SF with a cumulative GPA of 3.0 to apply for consideration. Contact the program coordinator at (352) 395- 5453.

Student GovernmentThis scholarship is awarded to the current academic year Student

Government leadership team. Students must maintain a 2.5 cumulative GPA and must comply with the Student Government constitution to remain eligible. Students should contact the Student Government office in the Center for Student Leadership and Activities.

Technology and Applied SciencesThis scholarship is available to students enrolled in SF’s Career

and Technical Education Programs. Students must maintain a 2.0 cumulative GPA for renewal. For additional information contact the Office of International Education, Economic Development and Honors Program at (352) 381-3646 or in Building B, room 213.

SF Foundation Scholarshipshttp://www.sfcollege.edu/development/scholarships/

The following scholarships are offered through the SF Foundation:

Alachua County/SF Minority ScholarshipAlfred B. Watson, Sr. and Agnes W. Watson ScholarshipAltrusa International, Inc. of Gainesville, Florida ScholarshipAltrusa International, Inc. of Starke, Florida ScholarshipArts and Sciences ScholarshipASA/NHRA Automotive Technology ScholarshipA.W. Fletcher Memorial ScholarshipBilly and Glenna F. Brashear Nursing and Health ScholarshipBoone/Bussard Welding ScholarshipBradford County/Andrews SF Minority ScholarshipBruce P. Walek Memorial ScholarshipCharisma O’Connor Memorial ScholarshipCharles L. Blount ScholarshipCharles R. Perry Memorial ScholarshipChrista Leigh Hoyt Memorial ScholarshipColonel R. James Glikes Memorial ScholarshipDavis, Monk & Co. Leo T. Hury Business ScholarshipDewitt C. Jones and Jeanne C. Johnson Memorial ScholarshipDexter and Sarajo O’Steen Family ScholarshipDisney’s Animal Kingdom/Animal Programs ScholarshipDr. Erich and Ellen Farber ScholarshipDr. Lamar E. Crevasse ScholarshipEsther Porter Lane Memorial ScholarshipFiona Kathleen Gott Memorial ScholarshipFlorence Smith Nursing ScholarshipFrancis B. Watson Memorial ScholarshipGene Gerber Memorial ScholarshipGuy and Elizabeth Andrews ScholarshipH. Medford and Patricia Connelly ScholarshipHarold A. and Jeanne Cruthirds Johnson ScholarshipHenry H. Beck ScholarshipHerron Health Care Scholarship

Hung-Sen Wu Memorial ScholarshipIrene Zimmerman Memorial ScholarshipJames J. and Rena E. Swick Memorial ScholarshipJames F. Moore Memorial ScholarshipJean Rae Bronson Nursing ScholarshipJeff Block Memorial ScholarshipJeffrey Mattison Wershow Memorial ScholarshipJoseph W. Fordyce ScholarshipJoyce Doke Riherd/Bradford County Public Health Nursing ScholarshipKiwanis Club of Starke Community Service ScholarshipLaura Lopez Memorial ScholarshipLillian Stump Nursing & Health Related ScholarshipMargaret F. Knapp Nursing ScholarshipMargaret R.T. Morgan Nursing ScholarshipMark M. and Flora Yon Richardson Memorial ScholarshipMazdak Noorbakhsh Memorial ScholarshipMedical and Surgical Affiliates (MSA) Nursing and Health Related ScholarshipNewberry Garden Club ScholarshipNicholas J. Gonzalez Memorial ScholarshipNoah Jacob Rodkin Memorial ScholarshipNorman Jensen Art ScholarshipNorris O. Roszel Family ScholarshipNursing & Health Related ScholarshipNursing Education ScholarshipPamphalon Foundation ScholarshipPatricia M. Blount ScholarshipPatricia Sherman Fabrick/Alachua Habitat for Humanity ScholarshipPhilip H. Baker Gainesville Civitan Club ScholarshipPlus One ScholarshipProfessional Retail Associate ScholarshipRoxann Kelley Buehn Memorial ScholarshipS. Clark Butler ScholarshipShands at Starke Auxiliary ScholarshipShands at University of Florida/Rosa B. Williams ScholarshipStarke Rotary Club ScholarshipVillage Nursing Scholarship

Eligibility RequirementsEligibility requirements for SF Foundation Scholarships vary. Some

awards are offered to graduating high school seniors in Alachua and Bradford counties; others are available to students entering SF automotive, welding, business programs and health related fields. For information on specific scholarships please visit www.sfcollege.edu/scholarships.

A scholarship handbook will be available at Alachua and Bradford county high schools in early spring. Most deadlines are March 2, 2011 for the 2011-2012 academic year. Tuition may be charged to accepted awards. Awards range from $1000 to $1600 per academic year payable during the fall and spring semesters.

Other Scholarshipswww.sfcollege.edu/financialaid/scholarships.php

Math Opens the Door Scholarships (MODS)The Santa Fe College mathematics department offers 30

scholarships worth $3125 per year to recipients majoring in mathematics or engineering who desire to transfer to a baccalaureate degree program in Computer Science, Engineering, or Mathematics. Both first-time-in college and in-college students can apply but eligibility criteria vary.

The scholarship is both merit and need-based so the student must also apply for Federal Financial Assistance. Additional information may be viewed at SF’s Math Opens the Door Web site at http://dept.sfcollege.edu/math/mods/.

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Phi Theta Kappa International Honor SocietyOver $35 million in local, regional, and international scholarships

is available to Phi Theta Kappa. For more details, please contact the Phi Theta Kappa Scholarship Committee in S-154 or e-mail ptkscholarship@sfcollege.edu. To find out when the scholarship committee meets, call (352) 395-4105.

Barry Goldwater Scholarship Awarded to college students who intend to pursue careers in math,

natural sciences and engineering fields. For more information, call (352) 395-5010.

Jack Kent Cooke ScholarshipAwards approximately 50 scholarships to undergraduate students

attending community colleges or two-year institutions in the U.S. and planning to transfer to four-year institutions. For more information, call (352) 395-5010.

Hispanic Scholarship Fund Offered to community college students who plan to transfer and

enroll in a degree-seeking program at a four-year U.S. accredited institution in the U.S. For more information, visit www.hsf.net/Scholarships.aspx.

Native American/Morris K. Udall ScholarshipOffered to Native Americans and Alaska native students who have

demonstrated commitment to careers related to the environment, tribal public policy or native health. For more information, visit www.udall.gov.

The Foundation of the National Student Nurses’ Association Undergraduate Scholarship Program

Offered to students currently enrolled in one of the nursing programs. For more information, visit www.nsna.org/foundation/resources/.

Transfer Scholarships www.sfcollege.edu/financialaid/scholarships.php

State of Florida Programs www.floridastudentfinancialaid.org/

The Florida Department of Education offers various student financial assistance programs which are administered by the Office of Student Financial Assistance (OSFA) www.floridastudentfinancialaid.org/ in Tallahassee. These programs include Florida Bright Futures, Florida Student Assistant Grant, Jose Marti Scholarship Challenge Grant, Scholarships for Children and Spouses of Deceased or Disabled Veterans and Service members and more.

Florida Bright Futures Scholarship ProgramThis is a state scholarship awarded to Florida high school

graduates who demonstrate high academic achievement. Awards are issued by the State of Florida directly to the eligible student. Initial eligibility is generally determined in your senior year of high school. The program has three levels: Florida Academic Scholars Award, Florida Medallion Scholars Award, and Florida Gold Seal Vocational Scholars Award. The top-ranked scholar from each county will receive an additional award.

Applications and eligibility criteria are available from your high school’s guidance office or from the Florida Department of Education Web site: www.floridastudentfinancialaid.org. SF receives electronic information about eligible scholars from the Florida Department of Education. You will receive a notification in eSanteFe when you are awarded. You may view the award amount on eSantaFe in My Financial Aid. You must enroll for at least 6 hours of college-level course work each term. Initial award amounts are estimated for purposes of SF’s financial aid award planning.

Actual payment depends upon the program regulations and the amount of tuition and fees assessed for the term. The scholarships will cover up to 45 credit hours of course work each year.

Bright Futures awards are available for fall and spring terms only. For additional details about the Bright Futures program and program regulations, visit www.floridastudentfinancialaid.org.

Statement of Equal Access/Equal Opportunity

Santa Fe College is committed to an environment that embraces diversity, respects the rights of all individuals, is open and accessible, and is free of harassment and discrimination based on, but not limited to, ethnicity, race, creed, color, religion, age, disability, sex, marital status, national origin, political opinions or affiliations, veteran status and/or sexual orientation.

Lela Elmore, Equal Access/Equal Opportunity Coordinator lela.elmore@sfcollege.edu, (352) 395-5420

3000 NW 83rd Street, R-Annex, Room 105, Gainesville, FL 32606© 2011 Santa Fe College, Gainesville, Florida

Southern Association of Colleges and Schools

Santa Fe College is accredited by the Commission on Colleges of the Southern Association of Colleges and Schools to award associate and baccalaureate degrees. Contact the Commission on Colleges at 1866 Southern Lane, Decatur, Georgia 30033-4097 or call 404-679-4500 for questions about the accreditation of Santa Fe College.