Federal Aid Programs - Financial Aid Office


Federal Programs

Ohlone's Federal College Code is 004481.

The US Department of Education (USDOE) has issued important information for relief for borrowers of Federal Student loans. Here is a link to the press release on federal loan relief.

Highlights of the press release on Federal Student Loan Relief:

· Borrowers with qualifying loans will automatically have their interest rate set to 0% for at least 60 days starting March 13, 2020.

· Borrowers can request administrative forbearance on loans through the loan servicer (you have to contact your loan servicer to ask for this forbearance it is not automatic) for at least two months. This allows for a stop in payment and interest will not accrue during these two months. Loans that are defaulted and in a rehabilitation agreement do not qualify for this forbearance.

· Borrowers who chose to forego asking for administrative forbearance will not see a reduction in monthly payment, but the full payment would be applied to the principal balance of the loan.

· Those seeking Public Service Loan Forgiveness (PSLF) should continue to make payments toward the 120 total payments that need to be made to qualify.

· Any borrower who has experienced a change in income should contact the loan servicer to understand their options toward lowering the monthly payment.


Additional federal loan relief issued:

· USDOE will no longer garnish wages, withhold federal tax refunds, or Social Security payments as a collection measure on defaulted student loans.

· USDOE stopped collection on defaulted federal student loans for at least 60 days starting on March 13, 2020.


Private Loans:

· Contact the lender for options related to forbearance and/or payment options for existing loans. Some lenders are not counting this forbearance toward your lifetime limit.

· Several lenders are offering extended payments and other types of assistance, even though they are not reaching out to borrowers.

· Lenders may also let you suspend payments while the loan stays in good standing.

· Today, March 25, 2020 USDOE asked private collection agencies to stop making collection calls and sending letters or billings to individuals.


deferment is a temporary pause to your student loan payments for specific situations such as active duty military service and re-enrollment in school. ... You don't have to pay interest on the loan during deferment if you have a subsidized loan.


Under forbearance, your loan payments are postponed (or reduced) but interest continues to accrue during the period of forbearance. If you don't pay the interest during that period, the interest may be “capitalized,” which means it is added to your principal balance.


U.S. Department of Education FSA ID

When you apply for Federal financial aid you will need to create a FSA ID with the U.S. Department of Education. The user name and password you create confirms your identity when you access your financial aid information and electronically sign Federal Student Aid documents. If you are a dependent student, one of your parents will also need to create a FSA ID to sign your FAFSA.

You can use your FSA ID to do the following:

  • Access, complete, and electronically sign your Free Application for Federal Student Aid (FAFSA) or Renewal FAFSA.
  • View the status and results of your processed FAFSA.
  • Make corrections to your Student Aid Report (SAR).
  • View a history of any Federal student aid you have received.
  • Review your student loan or grant history at the sites listed below.
  • Complete Entrance & Exit loan Counseling
  • Complete Student Master Promissory Note for Student Loans

Because the FSA ID serves are your electronic signature and provides access to your personal records, you will need to keep it in a safe place. Do not give your FSA ID to anyone including financial aid officials. Students should not create FSA ID's for their parents and parents should not create FSA ID's for their students.You will be able to use the same FSA ID in the future to apply electronically for student aid and access to your U.S. Department of Education records.

You can obtain additional information regarding the FSA ID, how to use it, security information, at the Federal Pell Grant

Federal Pell Grant

The Pell Grant is a federally-funded program. To be eligible, you must be an undergraduate student, be a US Citizen/an eligible noncitizen, register with selective service (a male between ages of 18 and 25), enrolled in an eligible degree program, demonstrate financial need, and maintain satisfactory academic program.

The amount awarded, as determined by the Federal Pell Grant Program is based on the prior prior year income and current asset information you provided in the FAFSA application. Award amounts will also be determined on student enrollment status at either Full Time, Three Quarter Time, Half Time & Less than Half Time.

2019-2020 Maximum Pell Grant Eligibility = $6,195

2020-2021 Maximum Pel Grant Eligibility = $6,345

Your Pell Grant eligibility is limited to 6 years or 12 full-time equivalent semesters (a total of 600%), including all past award years.

Check your Pell Lifetime Units used at www.nslds.gov

Summer Pell Grant

Beginning Summer 2018, students who receive 100% of their Pell Grant award for the Fall and Spring semesters will potentially be eligible to receive additional 50% Pell grant (prorated based on enrollment status) for up to 150% of their scheduled Pell Grant award in Summer.

For Financial Aid, the award year is Fall, Spring, Summer


For Financial Aid purposes, full-time status for Summer is the same as Fall and Spring:

  • 12 or more units = Fulltime

  • 11.5 - 9 units = Three-quarter (¾) time

  • 6 - 6.5 units = Halftime (½)

  • 5.5 or fewer units = Less than halftime

To qualify for year round Pell Grant, student must:

  1. Complete a FAFSA application by the deadline;

  2. Be Pell Grant eligible;

  3. In Good Standing per the Financial Aid Satisfactory Academic Progress (SAP) policy;

  4. Exhausted all Pell Grant 100% eligibility for the Fall & Spring semester and enroll at least Half time for the Summer semester. Half-time enrollment for summer for financial aid purposes is a minimum of 6 units.*

  5. Have lifetime Pell eligibility remaining.

*Students who received part time Pell Grant payment in Fall and in Spring, there is no minimum units requirements for Summer (unless required by your EFC).
*Students who r
eceived full time Pell payment in Fall and in Spring will need to enroll a minimum of 6 credits to receive summer Pell.

Students are eligible up to 12 full term semesters to receive Pell Grant. Receiving your Pell in Summer will reduce your remaining eligibility.

Federal Supplemental Educational Opportunity Grant (FSEOG)

FSEOG is a federally-funded program designed to supplement other sources of financial aid for students with established need. FSEOG awards range from $100 to $300 per year.

When you apply for financial aid, you will automatically be considered for this program based on eligibility requirements and availability of funds, on a first-come, first-served basis. You must enroll in at least Half Time status to be considered to receive these funds.

If you are awarded FSEOG funds, you must meet satisfactory academic progress standards in order to continue receiving these funds.

Federal Work Study (FWS)

What is the Federal Work-Study?

Federal Work-Study (FWS) is a need-based federally funded program that provides part time employment so students can earn money to help pay education expenses. Funds are limited, and not all eligible students can participate in the program. The Work Study Award is awarded to students on first-come, first-serve basis until the funds are exhausted.

Group of 5 students on first day of classes in stairwell of Building 7 on Fremont campus.

How do I apply for the Federal Work-Study Program?

To apply, you must:

1. File the FAFSA early and indicate on the FAFSA that you are interested in the FWS! 
2. Complete the verification process.
3. Complete the Ohlone Federal Work Study Application (PDF)
4. If eligible and selected, complete the hiring procedures with the Human Resources. The Financial Aid Office, as well as your supervisor, must have written approval from the Human Resources Office before you may begin working.

Note: Community Service Work-Study students must also sign a release form.

FWS Eligibility and Award

To be eligible, you must:

The award amount will depend on student's financial need, the department's need, and the FWS budget.

Due to limited funding, not all eligible students can receive the award. Those who meet the requirements but can't be hired due to the funding limit will be put on the waiting list for the academic year.

It is student's responsibility to find a FWS job by reaching out to the Department in which the student is interested in working.  

Where will I work?

Most positions are in a variety of offices on campus: Athletics, Admissions & Records, Student Activities, Biology and Chemistry labs, Cashiers Window, Financial Aid, and IT to name a few.

Rate and Payment

Students will be paid at Federal Minimum Rage or local minimum wage, whichever is higher. No Federal Work-Study student may be paid by commission or work for free. The amount you earn cannot exceed your total Federal Work-Study award. Students are responsible for recording the hours worked on the monthly Web-time entry account through Web Advisor and e-sign the timecard by the last working day of the month or the last date of each month. Pay days are the 10th of the month.

How many hours can I work per week?

Depend on the department's need, the hours will be arranged by the department supervisor. FWS students are not allowed to work more than 20 hours per week when classes are in session or more than 8 hours per day, and not to exceed your total FWS award.

Students awarded FWS for both Fall 2020 and Spring 2021 – May observe the following work schedule, provided students are enrolled for both semesters:


Fall Semester              August 31, 2020 - December 11, 2020

Spring Semester         December 12, 2020 - May 14, 2021

Summer 1                    May 15, 2021– June 30, 2021*

Summer 2                    July 1, 2021 – Aug 30, 2021*


Students awarded for the fall and spring semesters are authorized to work during the winter break if they have not earned their entire award during the academic semester.

*Student must be enrolled for the Fall 2021 Term at Ohlone CC in order to be eligible for FWS funding for the summer.


Students awarded FWS for Fall 2020 only – May begin work on the first day of instruction, August 31, 2020, and must cease employment by December 11, 2020.

Students awarded FWS for Spring 2021 only - May begin work on the first day of instruction, January 25, 2021, and must cease employment by May 14, 2021.

Will I be paid for sick leave?

California employees including FWS students can earn and take sick leave once they have met the requirements. Payment for sick leave will not be charged to federal work-study fund, but rather to the applicable departmental budget.

Female student sitting next to pond on the Fremont campus.


Contact the Financial Aid Office at 510-659-6150 or financial_aid@ohlone.edu

Bureau of Indian Affairs Grant (BIA)

As stated in Title 25 CFR Part 32.3, BIE's mission is to provide quality education opportunities from early childhood through life in accordance with the Tribe's needs for cultural and economic well-being, in keeping with the wide diversity of Indian tribes and Alaska Native villages as distinct cultural and governmental entities. The Bureau is to manifest consideration of the whole person by taking into account the spiritual, mental, physical, and cultural aspects of the person within family and Tribal or Alaska Native village contexts.

Mailing Address:
Bureau of Indian Affairs
1849 C Street, N.W.
Washington, D.C. 20240

Telephone: (202) 208-5116
or (800) 246-8101
Telefax: (202) 208-6334

Request a Meeting

To request a meeting with the Director, Bureau of Indian Affairs, please use the Meeting Request Form

Federal Direct Student Loans

Important Notice:In Direct Subsidized and Unsubsidized loans, Ohlone College has the authority to refuse the origination of a loan and/or originate a loan at less than the amount requested by the student. This is done on an individual student basis. Ohlone College does not participate in the Direct PLUS Loan Program.

A Caution About Student Loans

The first disbursement for new borrowers will be 30 days from the beginning of the loan period to ensure their continued enrollment. Refunds are released to the students after their enrollment has been verified; twice per semester.

You should not plan to use the loan money to pay registration fees, early fee payments, or to buy your textbooks as these funds will arrive after classes begin, but you may be able to utilize an Emergency Short Term Loan for those purposes.

Introduction to the Direct Stafford Loan Program

Ohlone College participates in the Federal Direct Stafford Loan (Direct Loan) Program. Students who previously received loans through the Federal Family Education Loan (FFEL) Program will now borrow through the Direct Stafford Loan Program.

The Direct Stafford Loan Program offers the same types of loans as the FFEL Program and generally has the same terms and conditions as FFEL Program loans, but instead of a bank lending the money, the U.S. Department of Education (the Department) lends the money directly to students through Ohlone College.

Direct Loan Types

The Federal Direct Subsidized Loans are based on financial need, as determined by your cost of attendance minus expected family contribution and other financial aid (such as grants or scholarships). The federal government pays the interest while you are enrolled in-school on at least a half-time basis, for six months after you leave school (referred to as the grace period), and during a period of deferment.

The 150% Direct Subsidized Loan Limit

The 150% Direct Subsidized Loan Limit applies to first time borrowers on or after July 1, 2013, only. Students are no longer eligible to receive additional Direct Subsidized Loan once they have received or exceed 150% of the published length of the program they are currently enrolled. For example, a student enrolled in a two-year program will have three years’ worth of subsidized loan eligibility, and a student enrolled in a four-year program will have six years’ worth of subsidized loan eligibility. Moreover, students lose the interest subsidy and the interest will begin to accrue. Students are responsible for paying the interest on Direct Subsidized Loans while enrolled in school at least half time.

See Time Limitation on Direct Subsidized Loan Eligibility for First-Time Borrowers on or After July 1, 2013 for more examples and detailed information about the subsidy limit.

The Federal Direct Unsubsidized Loans are not need-based. The interest is charged beginning the day the loan is disbursed until the loan is repaid in full. Students may pay the interest accrued while they are in school, during the grace period, or during deferment. If the interest of an unsubsidized loan is unpaid, it will be capitalized (added to the loan principal balance) when students enter repayment.

Interest Rates and Fee

For the 2019-2020 academic year, the interest rate for Direct Subsidized Loans and Unsubsidized Loans is 4.53%. The origination fee of 1.062% applies to loans first disbursed on or after October 1, 2018 and before October 1, 2019. The new origination fee of 1.059% is in effect for loans first disbursed on or after October 1, 2019 and before October 1, 2020. The loan fee is automatically deducted proportionately from each disbursement. Interest rates and loan fee are determined by the U.S. Congress.

Annual Loan Limits

The loan amount a student can borrow depends upon the need determined on the FAFSA, his or her dependency status, and grade level. A student who has completed less than 30 units is considered a first year student (freshman) while a student who has completed 30 or more units is considered a second year student (sophomore). If a student intends to include units earned from a prior institution to establish second year loan eligibility, he or she must submit official academic transcript(s) and request to be evaluated by the Admissions & Records. Since Ohlone College is a two-year institution, students may not borrow more than the second year amount even if they are enrolled for a third year.

The maximum subsidized amount for a freshman is $3,500 a year and $4,500 a year for a sophomore. Dependent students may be eligible for an additional $2,000 in unsubsidized and independent students may be eligible for an additional $6,000 in unsubsidized loans each year. See the chart below.


​Subsidized Loan

​Unsubsidized Loan

Total Maximum Amount

​1st Year (less than 30 units)




​2nd year (30 units or more)





​Subsidized Loan

​Unsubsidized Loan

Total Maximum Amount

​1st Year (less than 30 units)




​2nd year (30 units or more)




Steps for Applying for a Federal Direct Loan

Note: Loan Entrance Counseling is required for all student borrowers applying for a Federal Direct Loan at Ohlone College. Loan counseling will help you understand your rights and responsibilities as a student loan borrower. It must be completed online at https://studentloans.gov and the Financial Aid Office will receive confirmation electronically.

New Borrowers

  1. Upon applying, must have completed at least six (6) Ohlone College credits and minimum 2.0 cumulative GPA (Note: Exceptions are made for Registered Nursing, Respiratory Therapist, and Physical Therapist Assistant students)
  2. Complete the FAFSA (Free Application for Federal Student Aid) at www.fafsa.gov
  3. Be enrolled in at least 6 units (Late start classes may affect disbursement date)
  4. Meet Satisfactory Academic Progress (SAP) standards
    • If you are on Excessive Units or Disqualification status, you must submit an appeal and a Student Education Plan for review
  5. Have a completed Financial Aid file
  6. Complete Loan Entrance Counseling at www.studentloans.gov
  7. Complete Loan Agreement (Master Promissory Note) at www.studentloans.gov. Please note: It will take 3 to 5 business days for the college to receive confirmation that you have completed the Entrance Counseling and MPN.
  8. Complete the 2019-2020 Direct Loan Information and Request Form and return to the Financial Aid Office by the deadline
  9. Provide a copy of your loan history (attach to the request form)
    • Go to https://nslds.ed.gov
    • Select “Financial Aid Review”
    • Read the disclaimer and select “Accept”
    • Enter your FSA ID needed to access your information and select “Login”
  10. Once all steps are complete, loan processing time is approximately 2 weeks. New borrowers will not receive their first disbursement until 30 days after classes have begun.

Returning Borrowers

  1. Complete the FAFSA (Free Application for Federal Student Aid) at www.fafsa.gov
  2. Be enrolled in at least 6 units (Late start classes may affect disbursement date)
  3. Meet and maintain Satisfactory Academic Progress (SAP) standards
    • Completed at least 6 units and met SAP the last term you received the loan
    • If you are on Excessive Units or Disqualification status, you must submit an appeal and a Student Education Plan for review
  4. Have a completed Financial Aid file
  5. Complete the 2019-2020 Direct Loan Information and Request Form and return to the Financial Aid Office by the deadline
  6. Provide a copy of your loan history (attach to the request form)
    • Go to https://nslds.ed.gov
    • Select “Financial Aid Review”
    • Read the disclaimer and select “Accept”
    • Enter your FSA ID needed to access your information and select “Login”
  7. Once all steps are complete, loan processing time is approximately 2 weeks

Loan Application Deadline Date: March 20, 2020.

Information About Your Loans

The National Student Loan Data System (NSLDS) is a centralized database that keeps track of federal student loan and grant information managed by the U.S. Department of Education. It allows you to access your information at any time. By checking in regularly, you can stay on top of your loan status (i.e. deferment, repayment, default, cancelled, paid in full, etc.) New loans are reported to the NSLDS within 30 days of disbursement. Besides, you can contact your current loan servicer in regards to your most current loan information.

Note: The NSLDS doesn’t include any information about your private student loans. If you are not sure of who to contact for private loans, request for the free annual credit report; it should list all your current debts and accounts, including federal and private student loans.

Loan Disbursement

Federal loan funds will be disbursed in two equal installments during the semester, similar to the Pell Grant disbursement. If a student's loan disbursement is scheduled on, or after, the second (2nd) disbursement of the term, he or she will receive the funds in one installment. Any outstanding charges owed to Ohlone College will be deducted from the loan amount and credit balance will be disbursed via your selected refund preference with BankMobile.

Loan Cancellation

Students have the right as a borrower to cancel all or part of the loan within 14 days of the disbursement. All cancellation requests must be submitted in writing to the Financial Aid Office. After 120 days of the disbursement date and they decide to cancel, they are responsible for paying loan fees and any accrued interest.

Loan Exit Counseling

All borrowers who drop below half time enrollment, graduate, or leave school are required to complete online exit counseling. This requirement is in place so students will receive essential information regarding their rights and responsibilities as student loan borrowers. Remember that student loan indebtedness is reported to credit agencies; therefore, completing the exit requirement is one step in keeping the loans and your credit in good standing. Exit counseling can be completed online through www.studentloans.gov.

Loan Repayment

After you graduate, leave school, or drop below half-time enrollment, you will have a six-month “grace period.” Repayment begins after the six-month grace period ended. You will receive information about repayment and your loan servicer will notify you of the date loan repayment begins. Borrowers have a variety of repayment options. Generally, you'll have 10 to 25 years to repay your loan, depending on the repayment plan that you choose. The minimum monthly payments may be as low as $50, but this amount may be different depending on your loan balance and your repayment plan. You may repay your loan at any time without penalty. Learn more about your Direct Loans Repayment Options.

Loan Default

Your loan goes into default after you have gone 270 days without making a monthly payment. As soon as you think you have trouble making student loan payments, contact your student loan servicer about your options for making those payments more affordable. You may be able to change repayment plans, consolidate your loans and possibly reduce your monthly payments, or temporarily suspend payments. Your loan servicer can explain all of these options and work closely with you to address your needs.

Here are some serious consequences of default:

  • Your wages can be garnished
  • Your state and federal income tax refunds can be withheld
  • You can no longer receive any Federal student aid
  • Severe damage to your credit report
  • You can no longer receive deferments or forbearances
  • You will have to pay late fees and collection costs on top of what you already owe
  • You can be sued

Loan Deferment or Forbearance

If you are unable to make your scheduled loan payments, contact your loan servicer immediately. Your loan servicer can help you understand your options for keeping your loan in good standing. Learn more about Direct Loans Deferment or Forbearance Options that allow you to temporarily stop or lower your loan payment.

Loan Consolidation

As of July 1, 2010, all federal student loan consolidations are processed by the U.S. Department of Education through the Federal Direct Loan Program (FDLP). Students previously borrowed through a private lending institution and are interested in combining all of their eligible federal loans into one new loan with one monthly payment may review the consolidating option. Consolidation has some benefits, as well as drawbacks; therefore, you need to review your situation before making a decision. Visit the website at Federal Direct Consolidation Loans Information Center for more information.

FSA Student Loan Ombudsman

If a borrower disputes the terms of the federal loan and the loan servicer is unable to resolve the issue, a borrower may seek the assistance of the Student Loan Ombudsman Group. They are available to help resolve disputes and concerns related to federal student loans. Contact the Ombudsman Group as a last resort on the FSA Student Loan Ombudsman Group website or at (877) 557-2575.

More information about the Direct Loan Program can be found at the Department of Education Student Loan website.