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Maximizing your Aid

When applying for financial aid, you want to borrow the least amount possible to meet your needs.  Here are a couple tips:

  • Complete your FAFSA before the Priority deadline of February 1st to increase your chances of being awarded some of the limited federal and state grant funds.
  • Be sure to check your MyPima account regularly and read all emails and MyPima messages from our office.
  • If your, or your parents’ (if dependent) income is now less than what you entered on your FAFSA and your EFC is currently greater than zero, you should let the Financial Aid Office know by submitting a Request for Income Reassessment. This may allow us to award or increase your Pell grant or Federal Direct Subsidized loan.
  • Pell Grant – remember that you can receive the Pell grant for no more than 12 full-time semesters or roughly 6 years (600% Pell Lifetime Eligibility).   So try not to change your major and/or retake courses.
  • Only borrow the amount of student loan that you absolutely need!  You will be happy you did so during your 10 years of student loan repayment. Visit our Money Matters page for budgeting tips.
  • Only enroll in classes that you need to graduate. Classes that are not required for your program of study cannot be used to calculate your financial aid eligibility. Use your MyDegreePlan to help you (and your advisor) pick classes.
  • Speaking of student loans, remember the 150% Subsidized Usage Limitation rule.  Subsidized loan eligibility is now limited to 150% of the published length of a program. This means that your eligibility for – and benefits from – subsidized loans end when you borrow subsidized loans for 150% or more of the time needed to complete your program of study.
  • Make sure your academic advisor knows what your ultimate goal is. If you plan to transfer to UA and work on a bachelor's degree, make sure you are taking classes that will transfer and apply toward that degree.
  • Enrollment changes can also affect your financial aid eligibility. If you plan to decrease your enrollment at any time during a term for which you have received a financial aid payment, we highly recommend that you visit and campus and speak with academic AND financial aid advisors to discuss how this will affect your aid.  You may have to pay aid back if:
    • you decrease your credit level below the number of hours that you were funded to attend,
    • you receive a combination of all failing or withdrawn grades for a term,
    • your instructor assigns you a grade of W or I prior to the end of the term,
    • you fail to attend class.
  • Review the Satisfactory Academic Progress section for more information. Dropping courses, withdrawing, receiving incompletes, changing majors, and failing courses all have a negative impact on your aid eligibility.