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FEDERAL STUDENT LOAN PROGRAMSWhat is a Federal Student Loan?Federal loans are borrowed funds that you mustrepay with interest. A federal loan allows studentsand their parents to borrow money to help pay forcollege through loan programs supported by thefederal government. They have low interest rates andoffer flexible repayment terms, benefits, and options.What types of Federal Student Loansare available?The U.S. Department of Education offers the WilliamD. Ford Federal Direct Loan Program. It is the largest federal student loan program. Hudson CountyCommunity College participates in Direct SubsidizedLoans, Direct Unsubsidized Loans, and Direct PLUSLoans programs.How do I get a Federal Student Loan?1. Create your own personal FSA ID at https://fsaid.ed.gov2. Complete and submit a FAFSA at www.fafsa.ed.govYOU ARE READY TO APPLY FOR YOUR LOAN Go to studentaid.gov and follow these five easy steps:1.2.3.4.5.Log in with your FSA ID.Complete and sign a Master Promissory Note (MPN), agreeing to the terms of the loan.Complete and sign the entrance counseling, a tool to ensure you understand your obligationto repay the loan.Complete Annual Student Loan AcknowledgementComplete the loan request form obtained on the Financial Aid aid/index.html and submit to the Financial Aid Office.Financial Aid OfficepresentsEXIT COUNSELINGCONGRATULATIONS, GRADUATES!Complete your exit counseling for student loans online from your home computer or in our Computer Lab.Learn about your student loans, making timely payments, repayment options, staying out of default, loan consolidation, budgeting,interest repayment incentives, and much more .To Access Exit Counseling: Visit studentaid.gov Select Manage Loans Select Complete Exit Counseling Login with your FSA ID at I am an Undergraduate StudentYou will need to proceed through the counseling in the order below. You must finish exit counseling in one sitting. Throughout thecounseling, you will answer a few questions to help you rememberwhat you have learned.Financial Aid OfficeJournal Square Campus70 Sip Avenue,Building A, Second FloorJersey City, NJ 07306Topics include: Contact Settings Loans Preparing to Repay Determining Your Repayment Strategy Final StepsNorth Hudson Campus4800 Kennedy Blvd.,First FloorUnion City, NJ 07087Monday through Thursday 9:00 a.m. - 6:00 p.m. and Friday, 9:00 a.m. - 5:00 p.m.8

FOLLOW THESE 5 EASY STEPS TOCHECK YOUR FINANCIAL AID STATUS1.GO TO SELF -SERVICE FINANCIAL AIDLog into https://libertylink.hccc.edu/studentTo access your financial aid information, click on “Financial Aid” onyour account’s welcome screen.2 . ) REVIEW YOUR CHECKLIST AND LIST OF RESOURCESTo view the current status of your financial aid by year, select anacademic year from the “Select an Award Year.” Scroll down and youwill find both the checklist and list of resources.3. ) VIEW YOUR MISSING DOCUMENTSIf you have missing documents, click the “complete requireddocuments” to view the list of required documents for a specificacademic year, as well as their status (i.e. received, incomplete).4. ) VERIFY IF YOU ARE MEETING THE SATISFACTORY ACADEMIC PROGRESSThe Self-Service displays your most current financial aid SatisfactoryAcademic Progress (SAP) status. If you are not in good standing, youwill receive an email notification from the financial aid office. You mayalso email your financial aid counselor if you need further assistance.5. ) VIEW YOUR FINANCIAL AID OFFER LETTERTo access the drop-down menu, please click on “Financial AidCounseling” in the top navigation. Select “Offer Letter;” you will beable to view your financial aid awards for the academic year.FOR ADDITIONAL QUESTIONS,EMAIL YOUR FINANCIAL AID COUNSELORTo email your financial aid counselor, scroll down on yourwelcome screen and click the email link.For immediate assistance, text us at (201)744-27679

Pay Attention to Deadlines!Other Outside Scholarships and Resources American Association of University Women Scholarship Carindigo.com Scholarship(Visit: ay-scholarship-for-hispanic-latin-students) Chairish Scholarship Program(Visit: chairish.com/pages/scholarship)Here is a list ofscholarships youmight be eligible forif you apply! CollegeScholarships.com Creative Arts Impact Scholarship program(Visit: m) Education Dynamics Military Scholarship ExtremeTerrain Fast Web FinAidHudson County Community College HCCC Foundation Scholarships HCCC Government Scholarships Find Tuition Garden State S-STEM Scholarship The Healthline and NORD Stronger Scholarship Program Hispanic Association of Colleges and Universities(Visit: www.hacu.net/hacu/scholarships.asp)Higher Education Student AssistanceAuthority (HESAA) visit www.hesaa.org NJ STARS (Student Tuition AssistanceReward Scholarship) Program Horatio Alger National Career and Technical Scholarship(Visit application.horatioalger.org) Legal Zoom Scholarship Merit Scholarships NAIMES (National Association of Institutions for Military Education Services) Governor’s Urban Scholarship Governor’s Industry Vocation Scholarship The National Society of Leadership and Success (NSLS)(NJ-GIVS) for Women and Minorities Nordson Builds Scholarship program NJ World Trade Center Scholarship Pride in Diversity Scholarship Survivor Tuition Benefits NJ Foster Care Scholars Phi Theta Kappa Scholarships Law Enforcement Officer Memorial PNC Bank ScholarshipScholarship (LEOM) Research & Development Council of NJ ScholarshipEducational Opportunity Fund (EOF) Sallie Mae Scholarship (Visit: SallieMae.com/ScholarshipSearch) (Visit: cholarship/ CollegeScholarships.com) SCHOLARSHIPS.COM Scholarship America Scholarshipinstitute.org Truth Initiative Scholarship (Visit: https://truthinitiative.org/)Information about all of the scholarships is available ex.html10

FINANCIAL AID OFFICEREGULATIONS FORNON-REQUIRED COURSESIf you are enrolled for courses that are not required in your academic program,those courses are NOT ELIGIBLE for federal financial aid.REQUIRED COURSEWORKOnly courses required for a student’s current major are federal financial aid eligible.Required coursework consists of courses needed to fulfill major and general electives requirements.REQUIRED PREREQUISITE COURSEWORKIf you are required to complete “prerequisite courses,” the coursework is NOT ELIGIBLE for federal financial aidif the courses do not apply to your degree.To determine what courses are required for an academic program:1Log on to MyHudson Student Portal (http://my.hccc.edu).2Select Liberty Link for Students.3Select My Academic Profile.4Select Program Evaluation.5Select your major and click Submit. The courses required for you to graduate,along with the courses you’ve already taken, will be displayed.To resolve any issue on Non-Required Courses:Contact your Academic Counselor as soon as possible if you plan to change your scheduleor update your major. Contact your Financial Aid Counselor for any additional questions on the regulations. Regularly check your email for any additional notifications.FINANCIAL AID OFFICE70 Sip Ave. (Building A), Second Floor, Jersey City NJ 07306North Hudson Campus, 4800 Kennedy Boulevard, Union City, NJ 07087Secaucus Center, One High Tech Way, Secaucus, NJ 0709411

FINANCIAL AID STUDENTTECHNOLOGY INFORMATIONThe HCCC Portal (MyHudson) offers students, on and offcampus, a personalized intelligent college experience bybringing together every system without having to accessmultiple networks to a “one-stop shop.” Some of thefeatures of MyHudson include Canvas, student announcements, a calendar of College events and activities, Collegeemail account, College department pages, Self-ServiceFinancial Aid, and specialized student services.FINANCIAL AID TECHNOLOGY INFORMATIONIMPORTANT WEBSITESE-Signature htmlFinancial Aid Self-Service: https://libertylink.hccc.edu/StudentFinancial Aid College nancial-aid/index.htmlFAFSA: http://www.fafsa.ed.govNJ State Grants: https://njfams.hesaa.orgFederal Loans: https://studentaid.govIRS “Get ranscript*New Self-Service Financial Aid - use this new link –https://libertylink.hccc.edu/Student – to assist in managing yourFinancial Aid package from submission to completion. The SelfService Financial Aid guides you through the Financial Aid processusing a web-based process and interactive checklist through easyaccess from a desktop or mobile device. You can view each step ofthe application process with clear instructions on documentation.MYHUDSON PORTAL: https://myhudson.hccc.eduCATEGORIES OF SELF-SERVICE FINANCIAL AIDPassword Required Financial Aid Documents — list of missingdocuments. Submit before their due date to make sureyour Financial Aid package is not delayed Your Awards —you can accept or decline awards and updateyour loan amounts Outside Awards — you can report new or view existingawards received from outside sources Award Letter — complete the electronic signature or printand deliver to the Financial Aid Office Federal Shopping Sheet — view your federal financial aid data Correspondence Option — you can choose to receive hardcopies of Financial Aid correspondence Satisfactory Academic Progress — you can view your SAPfor an evaluation period Username and PasswordPortions of these services require a Student ID (7 digits) and password.Unless otherwise indicated, you will use these credentials to access manyof the items listed.UsernameYour username is the first initial of your first name your last name thelast four digits of your Student ID @live.hccc.eduYour default password is your date of birth in MMDDYY format.(Remember to change it once you have successfully logged in.)Example: Student Name: John SmithStudent ID 2244333 *Born: June 17, 1991Username jsmith4333@live.hccc.eduPassword: 061791Student Password Reset ONLY:www.hccc.edu/ITRequest or call (855) 699-0733Having problems connecting?Support is available for problems accessing the HCCC network, Collegeemail accounts and the MyHudson portal.For ITS-related issues: request-form-student.htmlEmail: itshelp@hccc.edu Phone: (201) 360-4310FINANCIAL AID OFFICEAccount Summary — view a summary of your account whichincludes amount overdue, total amount due, make a payment,and total account balance (any activity)Journal Square Campus70 Sip Avenue, Second Floor , Jersey City, NJ 07306Phone: 201-360-4200 Fax: 201-420-4863A list of missing required documents can also be accessedthrough emails sent to your MyHudson portal.North Hudson Campus4800 Kennedy Blvd., First Floor, Union City, NJ 07087Phone: 201-360-4214 Fax: 201-360-4645BOOK VOUCHERBook Voucher Notification — eligible students will receive a bookvoucher notification through their portal.Log on at: https://myhudson.hccc.edu. If you qualify, you willreceive a notification titled “Book Voucher.” You can go to theBookstore and purchase your books. You must read the additionalinformation provided on the Book Voucher.Secaucus CenterOne High Tech Way, Secaucus, NJ 07094201-360-4388HUDSON ONLINE: Many courses and nine fully online mlEmail Address: financial aid@hccc.eduManage your Financial Aid on your ownterms and begin your journey to successful funding of your education!If you need help, contact yourFinancial Aid Counselor.12

FINANCIAL AID OFFICEFinancial Literacy ProgramsWork, School and Bills!Financial Aid is teaming up with Career Services to set ourfuture for success!In this workshop participants will learn how to takeadvantage of entry level work to stay on top of bills,get ahead of school loans and build a career path.Tax Return BasicsIn this workshop participants will learn about thebasics of filing a tax return and credits/deductionsavailable for education.EntrepreneurshipIn this workshop participants will learn about therisks and benefits of entrepreneurship.Credit and Debt ManagementFinancial Literacy 101Financial Literacy 101 is about acquiring a set of skills andknowledge that allows an individual to make informedand effective decisions through their understanding offinances. Education on the management of personalfinances is an essential part of planning and paying forpost-secondary education.Calendar of Events for current award yearAll events will be announced with a separateflyer via email during the month of the eventbeginning in October.In this workshop participants will learn how tomanage their debt and maintain good creditPresenters for the events are representatives from financialinstitutions and members of the HCCC faculty.Student Loans – Borrowingand RepaymentFinancial Aid OfficeIn this workshop participants will learn abouthow much to borrow each academic year andrepayment options.Building a Budget and GoodFinancial HealthIn this workshop, participants will understandthevalue of creating a budget, and learn strategiesto build a simple budget and pay off debt. Theywill also learn some core habits to practice andmaintain financial health.ScholarshipsBy the time you leave this session, you will learnsites to visit for various scholarships, how to simplify the application process and write your essay.70 Sip Avenue (Building A), 2nd Floor, Jersey City, NJ 07306(201) 360-4200North Hudson Campus: 4800 Kennedy Blvd., Union City, NJ 07087(201) 360-4214Secaucus Center: One High Tech Way, Secaucus, NJ 07094201-360-4388Connect with us!Like us on FACEBOOK www.facebook.com/hcccfinaid/Follow us on Twitter twitter.com/hcccfinaidStudents, Parents, Employees, Professors and theHudson County Community are Welcome!13

Federal Work Study Program (FWS) Tips to RememberApply for Federal Work Study Early!Positions are filled on a first come, first served basis.Placement is not guaranteed.The Federal Work Study Program is a government subsidized employment program designed to assist students in financing their education.Students, if qualified, may receive an award per year. Federal WorkStudy is different from other types of part-time jobs because it is a grant.Fall and Spring EligibilityFWS is available at the Journal Square, North Hudson, and Secaucus CampusesExamples of DepartmentsThat Employ FWS StudentsWhat FWS Can Do for You Community Service Develop Career Contacts Earn Extra Money Enhance Job Skills Gain Employment Learn Life Skills Manage Your Time More Efficiently Real World Work Experience Reduce Student Loan Debt Support Adjustment to Campus Life Work 10-20 Hours per WeekCONTACT USJersey City Campus70 Sip Avenue, Building A, Jersey City, NJAcademic Development and Support ServicesAcademic AffairsAdministration & FinanceAdvisement & CounselingBusiness, Culinary Arts& Hospitality ManagementContinuing EducationCommunicationsCultural AffairsEnglish/ESLEOFFinancial Aid OfficeHumanities & Social SciencesInformation Technology ServicesInstitutional Research & PlanningLibraryNursing and Health SciencePresident’s OfficeStudent Affairs/Student ActivitiesSTEMTesting & AssessmentQualifying for FWS Complete the FWS applicationon-line at https://my.hccc.edu/fa Complete the FAFSA and show financialneed every academic year Complete an Orientation Maintain enrollment Maintain Satisfactory Academic Progress Maintain a good work ethic Positive Evaluations201-360-4200North Hudson Campus4800 Kennedy Blvd, Union City, NJ 07087201-360-4214 financial aid@hccc.eduSecaucus Center1 High Tech Way, Secaucus, NJ 07094(201) 360-438814 Be Pleasant & Friendly Be Professional Be Responsible Good Phone Etiquette Open Lines of Communication Set a Good Example Show CommitmentTypes of Job Opportunities Class Assistant Customer Service Event Assistant Lab Assistant Support Staff Technical Support TutorBeing part of the Federal Work Study Programhas allowed me to transcend into a part-timeposition. This opportunity granted me thenecessary skills in which entry-level positionsare looking for. I was able to enhance my communication, multi-tasking, and goal-orientedskills. I became part of a team that wants toextend their knowledge onto our students togrant them academic success. Federal WorkStudy gives students an opportunity to expresstheir potential into the work-field while stillhav-ing flexibility towards the achievement oftheir degree. I would like to thank the Financial Aid office for the opportunity, and my Financial Aid counselor for always being therewhen I am in need of assistance in just aboutanything,- Chelsea, Financial Aid OfficeI began the work-study program in the Tutoring Center in the Fall of 2017. I did not haveto worry about my hours interfering with myclasses because they were very flexible with myclass schedule. I learned the environment ofthe center by assisting with office work, helping out at the front desk, and introduced students to their new tutors. I became interestedin becoming a tutor myself so by the end of thesemester I applied for a tutoring position. Thenext semester I was a part-time English andESL tutor. Being a work-study student led meto work and help students strive towards theirfull potential and reach academic success.- Melanny, Tutoring Center

Steps for how to use E Signature FormsBENEFITS OF E-SIGNING YOUR FINANCIAL AID FORMS: Students and parents can complete, and e-sign required documents on any computer or smart device. Saves Time and Money: do not have to bring documents into office and can

may be eligible to increase your financial aid eligibility! SUBMIT YOUR FINANCIAL AID EMPLOYMENT INCOME APPEAL NOW! NEED HELP? Contact the Financial Aid Office at financial_aid@hccc.edu or text at 201-744-2767 Pell Grants for Summer Terms! Register for Summer Classes Now! Complete your degree sooner.