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Types of Financial Aid

 FEDERAL

Federal PELL Grant
This is a federal grant for undergraduate students who have not received a Bachelor’s degree at the time of application. Students can be enrolled for fewer than 6 credits to be eligible for a PELL grant.  Annual awards can range from $555 to $5,550 a year (2011-2012) for full-time attendance.  Awards amounts are pro-rated for less than full-time enrollment.

Recent federal legislation permits students to receive more than one annual award within the same academic year (year-round PELL).  In order to eligible for a year- round PELL award students must have completed at least 24 credits (including remedial courses) within an academic year or will complete at least 25 credits within the academic year to which the award is attributed. Students may also be eligible for a year –round PELL grant if courses taken for the extended award will satisfy the minimum credit accrual of 24 credits in addition to credits which can be attributed to the new academic period.  In order to be eligible for a year- round PELL award students must be enrolled in a minimum of 6 credits, which can include remedial credits.  Students eligible for a year round PELL award will have their award based on either 2010-11 FAFSA data, since summer will be considered as a trailer at this college.
Application for this award must be made for each academic year by filing the 2011-12  Free Application for Federal Student Aid. (FAFSA)

Application for this award must be made for each academic year by filing the Free Application for Federal Student Aid. (FAFSA)

Federal Supplemental Education Opportunity Grant (FSEOG)
FSEOG grants are for undergraduate students who have not earned a Bachelor’s degree. These grants are awarded to students with the greatest need with priority given to students who are FPELL grant recipients. Efforts are made to help students obtain enough aid to meet their basic institutional costs (tuition, fees and books). Since aid is awarded on a rolling basis, every effort is made to award FSEOG to the neediest students within each packaging cycle. Awards range from $100 to $500. Students taking at least 3 academic credits may be eligible for FSEOG.

Federal Supplemental Education Opportunity Grant (FSEOG)
FSEOG grants are for undergraduate students who have not earned a Bachelor’s degree. These grants are awarded to students with the greatest need with priority given to students who are FPELL grant recipients. Efforts are made to help students obtain enough aid to meet their basic institutional costs (tuition, fees and books). Since aid is awarded on a rolling basis, every effort is made to award FSEOG to the neediest students within each packaging cycle. Awards range from $100 to $500. Students taking at least 3 academic credits may be eligible for FSEOG.

Federal Direct Subsidized and Unsubsidized Student Loans.  Students and parents needing loans to finance their education will do so under the Federal Direct Loan program.

All student loans must be repaid with interest, starting six months after enrollment for fewer than 6 credits. The interest rate is set each June. To be eligible students must be enrolled or accepted for admission for at least six (6) credit hours, be in good academic standing, making satisfactory academic progress, and not be in default on a previous student loan, nor owe a refund on any Title IV programs (FPELL, FSEOG or any student loans) and have satisfied all the Selective Service Act requirements.  Loans cannot exceed the student’s own cost of undergraduate education.

Under-graduate dependent students who have completed fewer than 30 credits are limited to a yearly loan maximum of $5,500. No more than $3,500 of this amount can be subsidized. Second year undergraduate dependent students, that is, students who have completed at least 30 credits are eligible to borrow up to $6,500.  No more than $4,500 of this amount can be a subsidized loan.  Dependent undergraduate students are limited to an aggregate loan limit of $31,000.  No more than $23,000 of this amount can be subsidized loans.

Under-graduate independent students who have completed fewer than 30 credits are limited to a yearly loan maximum of $9,500.  No more than $3,500 of this amount can be subsidized.  Second year undergraduate independent students who have completed more than 30 credits are limited to a yearly loan amount of $10,500.   No more than $$4,500 of this amount can be a subsidized loan.  Independent undergraduate students are limited to an aggregate loan limit of $57,500.  No more than $23,000 of this amount can be subsidized loans.

Effective with HR 5715 regulation, dependent undergraduate students whose parents are unable to borrow a PLUS Loan due to an adverse credit history may, upon documentation that the parent has been denied a PLUS loan, borrow up to $9,500 (no more than $3,500 in a subsidized loan if a first year student who has completed fewer than 30 credits), and $10,500 (no more than $4,500 in a subsidized loan if a second year student who has completed more than 30 credits).

Interest on subsidized loans is deferred while students are in school for at least 6 credits. The interest rate on subsidized loans disbursed after July 1, 2010 will be 4.5%.

Interest on unsubsidized loans is 6.8%.  Students are required to pay the interest of unsubsidized loans even when enrolled for six or more credits.   Students, however, do have the option to defer this interest payment which will be added unto the principal (capitalized).  It is suggested that students pay the interest while enrolled or eligible for other deferments to reduce the overall cost of the loan.

The college does not automatically package students with loans. Students who feel that their need is not being met by grants may apply for a loan.  Students seeking a loan must be enrolled for at least 6 credits or the equivalent each term.

The average loan indebtedness for students who graduated from Westchester Community College during the 2009-2010 academic year  was $8,484.

For information regarding loan repayment options including loan forgiveness programs, go to http://studentaid.ed.gov/repay-loans

How to apply for a Federal Direct Stafford Subsidized and Unsubsidized Loan

  1. Complete the 2011-2012 FAFSA on line at www.fafsa.gov
  2.  Complete the Direct Loan Entrance on line by visiting www.studentloans.gov
    You will use the same pin number used to sign your FAFSA.  All students must complete the Direct Loan entrance on line, even if an entrance was done for the FFELP loan program on a prior occasion.  Your loan will not be processed until an entrance has been completed.

    1. Click on manage My Direct Loan
    2.  Sign in with your FAFSA Pin
    3.  Scroll down and click on Complete entrance Counseling then begin
    4.  Print a copy of the “Complete Entrance Counseling” (Step 4) for your records.
  3.  Complete the Direct Loan Promissory Note (MPN) by visiting www.studentloans.gov.
    1.  Scroll down and click on Complete MPN
    2.  Select Subsidized/Unsubsidized then complete the promissory Note
    3.  Make sure you submit it and get a confirmation code
    4.  Print  a copy of your completed Promissory Note for your records
  4. Click Request for Federal Direct Loan, complete and mail, fax or submit to  the Office of Student Financial Assistance, 75 Grasslands Road, Valhalla, N.Y. 10595 – (Fax 914-606-7807).

Federal Direct PLUS Loans to Parents of Undergraduate Students

Parents of undergraduate students may borrow up to the cost of education per year for each financially dependent student, taking into account all other financial aid received. Repayment begins within 60 days of disbursement, unless a deferment applies. The interest rate on a Federal Direct PLUS Loan is fixed at 7.9%.

How to Apply for a Federal Direct PLUS Loan

Students whose parent is applying for a Parent Loan must first file the FAFSA to explore all grants and other aid for which the student may be eligible, including student loans. In order for a parent to borrow in this program, the student must not be in default on any prior federal loans, must not owe a refund to any federal aid programs, meet federal pursuit and progress standards, be in good academic standing and be registered for 6 or more credits or equivalent credits.

Parents must be U.S citizens or eligible permanent residents, not be in default on any prior loans and meet credit approval.

STEPS FOR PARENTS TO APPLY FOR A DIRECT PLUS LOAN
(Please print and follow these instructions
)

The William D. Ford Direct Parent Loan for Undergraduate Students (PLUS) is a loan that you may be able to borrow on behalf of your child as part of his/her financial aid award package.  This loan is subject to credit approval by the U.S. Department of Education. Please note that grandparents, legal guardians and other family members do not qualify to borrow a PLUS on behalf of the dependent student. A dependent student is one who meets the criteria outlined on the FAFSA 2009-2010 worksheet or application. Please refer to these documents for the federal definition for a dependent student.  Your child MUST first complete the 2011-12 Free Application for Federal Student Aid (FAFSA) and submit all requested documentation to the Office of Student Financial Assistance.  

Step 1
To initiate the processing of the PLUS, only one parent should complete the Federal Direct PLUS Loan Data Application Sheet. Click Direct Loan Data sheet, complete and mail or fax to the Office of Student Financial Assistance, 75 Grasslands Road, Valhalla, N.Y. 10595 – (Fax 914-606-7807). 

Step 2
Visit www.studentloans.gov.  to complete a Parent PLUS Master Promissory Note. Enter your federal PIN number as a signature as prompted. You may obtain a PIN number if you do not have one by visiting www.pin.ed.gov.

Step 3
When the school receives your completed Direct PLUS Loan Data Application Form, the Office of Student Financial Assistance will process an estimated PLUS loan based on the amount requested and the amount for which you may be eligible. This information will be sent on to the Department of Education by the school through a process called Origination. This prompts the federal processor to conduct a credit check.

Step 4
You will receive a written notification of the credit decision from the U.S. Department of Education within 7-14 business days of processing.

If your credit was denied, your child should contact the Office of Student Financial Assistance to discuss extended unsubsidized loan options. Please note that all questions regarding credit decisions should be directed to the Borrower Services at the U.S. Department of Education Direct Loan Applicant Services at 1-800-557-7394.

Federal Work Study (FWS)

This program provides jobs both on and off-campus for students who have additional need which cannot be met by grants or loans alone. Need, class schedule, academic progress, and health status determine the award. Students must meet all other federal eligibility requirements.

The Career and Transfer Center arranges jobs, including community service jobs and jobs falling under America Reads/America Counts. Salaries generally begin at $7.70 per hour based on skill and job requirements. Students hired under the America Reads Program have a starting salary of $9.80 per hour. In any academic year, a student may work for the number of hours that earns a gross salary equal to the dollar amount of his or her award. Students are paid on a bi-weekly basis.

The Career and Transfer Center provides a listing of Federal Work-Study jobs available on campus and in the community, as well as administrative procedures for student placement. Working hours should not conflict with class schedules. Students may not work for more than an average of 20 hours a week while classes are in session and 40 hours during vacation periods.

The college must make employment reasonably available to all eligible students. In the event that more students are eligible for FWS than funds are available, preference is given to students who have the greatest financial need.

If you find that you are not eligible for financial aid, you are encouraged to use the Career and Transfer Center (see Student Life and Services). The Center can help you locate part-time and summer jobs from which you may earn a large part of your college expenses.

NEW YORK STATE AID

Tuition Assistance Program (TAP)
TAP awards were originally for full-time students who meet all the general eligibility criteria and who are enrolled in accredited programs are eligible to receive a TAP award if their New York State net taxable income for the base year preceding the award year does not exceed $80,000 for dependent undergraduates or independent students with dependents. Single, independent students’ New York State net taxable income cannot exceed $10,000. Awards ranged from $250 to $2075 a semester for the 2010-11 academic year.  Awards are on a yearly basis starting with the summer session. TAP awards are limited to six semesters of full-time payment or equivalent, 36 points, for a two-year program.

Part-Time TAP Award
Effective with the 2007-2008 award year, part-time undergraduate students enrolled in 6 to 11 credits who were first-time freshmen in the 2006-07 academic year or thereafter, who complete 12 credits or more in each of the two preceding consecutive semesters, with a cumulative GPA of at least 2.0 are eligible for a part-time TAP award. Awards and points assigned are prorated based on enrollment status.

Accelerated TAP Award
Effective for semesters starting after January 1, 2007, students may also be eligible for a TAP award for accelerated study during the summer semester. To qualify, students must have earned at least 24 credits applicable to their degree in the prior two semesters.

APTS (Aid for Part-Time Study)
The Aid for Part-time Study program is a grant program financed by New York State in conjunction with participating educational institutions throughout the state. The program provides grant assistance for eligible part-time students enrolled in approved undergraduate studies.

APTS is a campus-based program where recipients and award amounts are determined locally by the participating institution rather than as an entitlement program with fixed award schedules that are administered by a central processing agency.

To be considered for an APTS award, students must:

  • Meet all the state aid eligibility requirements.
  • Enroll part-time (3-11 credits, at least 3 of which must be academic) as matriculated students in approved undergraduate degree programs or registered certificate programs at degree-granting institutions in New York State.
  • Independent students with dependents other than a spouse or dependent students cannot have a total NYS net taxable income in excess of $50, 550.  Independent students with no qualifying dependents cannot have a NYS net taxable income in excess of $34, 250.
  • Not have used up Tuition Assistance Program (TAP) eligibility.
  • Not be in default on any Federal Education Loan.

To apply for an APTS grant students must submit a completed APTS application which may be downloaded from the College’s web site and 2010 State income tax forms for student and spouse if independent, and for student and parents if dependent.

  • Deadline dates to apply for an APTS grant are July 22, 2011 for summer 2011; October 14, 2011 for Fall 2011 and February 24, 2012 for Spring 2012.

Educational Opportunity Program (EOP)
The State University of New Yorks Educational Opportunity Program provides academic support and financial assistance to students who show promise for mastering college-level work, but who may otherwise find the college transition difficult. Offered primarily to full-time students who are New York State residents, the EOP accepts students who qualify, academically and financially, for the program.   Students should complete the EOP office at 914-606-6904.

World Trade Center Memorial Program
World Trade Center Memorial Scholarships provide financial aid to children, spouses or financial dependents of deceased/disabled persons who have died, or who have become severely and permanently disabled during the September 11, 2001 attacks or rescue and recovery operation.

Awards are made for full-time undergraduate study at approved colleges and other postsecondary institutions in New York State for studies in collegiate programs of at least one year’s duration leading to a degree, diploma or certificate; hospital programs leading to licensure or certification in nursing or other fields of medical or health technology; and for two-year programs in registered private business school.

Note: New York State resident family members who were enrolled in undergraduate programs at U.S. colleges or universities located outside New York State on September 11, 2001 are also eligible for scholarship payments at that school.

Awards cover up to four years of full-time undergraduate studies (or five years in an approved five-year bachelor’s program). Students at a public college or university (SUNY or CUNY) have the following included in their scholarship award: actual tuition and mandatory educational fees; an allowance for room and board; and allowance for books, supplies and transportation. The total aid a student receives is affected by other grants and cannot exceed the cost of education.

Students must submit a World Trade Center application for any year in which they wish to receive payment. Students must also file a Free Application for Federal Student Aid (FAFSA) and a TAP Application.

Memorial Scholarship for Children and Spouses of Deceased Police Officers and Firefighters
This grant is awarded to children or spouses of police officers, firefighters or volunteer firefighters who died as a result of injuries sustained in the line of duty. Award amounts are based on tuition and non-tuition costs of attendance. An award will be equal to actual tuition costs or SUNY undergraduate tuition, whichever is less. The grant also provides for non-tuition costs in combination with other state and federal grants. File a FAFSA and a TAP application as well as the appropriate Memorial Scholarship Supplement which may be obtained from NYSHESC.

Flight 587 and Flight 3407 Memorial Scholarships for children, spouses and financial dependents of individuals killed in American airlines flight 587 crash in Queens, NY on 11/12/01 and Continental flight 3407 crash in Buffalo , NY on 2/12/09.
Applicants must be full time undergraduates in an approved   program in NYS.  Flight 587 students already enrolled in undergraduate institutions outside New York on 11/12/01 are also eligible.  Applicants must file the sward supplement, available at www.hesc.org.  or Scholarships at 1-888-697-4372

Volunteer Recruitment Service Scholarship
This is a grant for Volunteer firefighters and ambulance personnel who are New York State residents for one year and are enrolled in an appropriate undergraduate program of at least 6 credits; have a high school diploma or GED.  Applicants 23 years or older must have less than six months of volunteer service. No minimum or maximum time of service is required for applicants under 23 years old.

Recipients must have an academic average of “C” or better, must be an active volunteer, attend a college within 50 miles of the volunteer organization and be enrolled in school for the duration of the scholarship.  The maximum award for attending Westchester Community College is $3,550, the annual full time tuition.  Applicants must have applied for TAP.  Contact your volunteer organization for further information.

Aid to Native Americans
You must be a member on the official tribal roll of a New York State tribe or child of a member. Documentation must be presented. Full-time awards are $2,000 per semester while pro-rated amounts are available for students taking less than 12 credits.   Students must reapply for each semester.   Contact Native-American Education Unit, NYS Education Department, Education Building, Annex, Room 478, Albany, NY 12234. Call 518-474-0537.

Educational Incentive Program
Tuition assistance is available to members of the New York Army or Air National Guard or Naval Militia who have successfully completed initial active duty training or who are fully commissioned. Candidates must not have a bachelor’s degree and must be pursuing an undergraduate degree on a part-time basis with a minimum of six credit hours a semester. Receipt of funds under the grant will not affect eligibility for the Montgomery GI bill. Awards will be limited to tuition minus any financial grant funds the student receives. Funds for this grant are dependent on appropriation by the New York State Legislature.

SUNY Empire State/ Diversity Honors Scholarship
The Westchester Community College Foundation Diversity Honors Scholarship program provides grants to full-time students who are citizens or eligible non-citizens, meet NYS residency requirements and enrolled in a degree programs. Be a member of a racial/ethnic group that is underrepresented in the program or school. Although this may serve as a plus factor, this is not the sole basis for receiving an award. Every applicant will be evaluated on his or her own merits. Even though financial need is not a requirement, applicants may utilize economic disadvantage as a basis for eligibility. Awards range up to $1000 a year and are based on academic performance. Applications are available at the office of Student Financial Aid Assistance.

STATE SCHOLARSHIPS AVAILABLE THROUGH YOUR HIGH SCHOOL 

Robert C. Byrd Honors Scholarship Program
This is a federally funded program administered by New York State.  Recipients must be US citizens and legal New York State residents attending a college located in the US or its possessions.  Recipients must demonstrate outstanding academic achievement and show promise of continued academic achievement.  Scholarships are based on SAT scores and grade point average.  Awards are $1,500, renewable up to 4 years, contingent upon federal funding.
Applications are available from your high school Guidance Office.  Deadline for 2010-11 is March 1, 2011.

Scholarships for Academic Excellence
US citizens or eligible non-citizens, who are legal residents of New York State, enrolled full time as a matriculated student in an approved program at a college in New York State. Students cannot be in default on any New York State guaranteed student loan. Awards are based on academic excellence on scores on Regents exams taken prior to the senior year in Comprehensive English, Global Studies, US History/Government, Math B and Science. Awards are $1,500 to the top graduating senior of each high school in New York State, $500 to other academically gifted students for up to four years or up to five years in certain programs.  Scholarships must be used within 7 years. Contact your high school guidance office by September 30, 2008. Scholarship recipients must complete FAFSA and apply for TAP.

Vocational and Educational Services for Individuals with Disabilities (VESID)

Westchester Community College is approved by the State Education Department of New York to offer college training to students certified by VESID as having demonstrated the ability to complete college level work and who are eligible to receive educational benefits under an individualized plan for employment. Students may be full or part-time.

VESID may pay up to the full-time tuition and fees charged at Westchester Community College and up to $675 a semester for documented room and board charges.  VESID will cover up to $550 a semester for required textbooks. If additional funds are required for textbooks above the $550, students should document their need and submit to the VESID counselor.  Funds for textbooks do not include expendable supplies such as paper, pencils and notebooks, unless they are uniquely related and required for participation in a specific course, or required because of limitations resulting from a disability

Application Process

  •  File an application for support with VESID by April 15 for the Fall semester, and September 15 for the Spring semester.
  • File a FAFSA to apply for a Federal grants such as PELL, SEOG and ACG grant as well as State grants such as TAP and APTS.  Students are not required to take out student loans or participate in student work-study to be eligible for VESID.  However, student loans and work may be needed, in some instances, to help pay unmet need costs not covered by state and federal grants and VESID’s maximum educational contributions.

Submit documentation that the student has filed for all eligible state and federal financial aid grants and proof of grants received to VESID by June 1 for the Fall term and November 1 for the Spring term.
For more information on eligibility requirements, students should contact the VESID area office at 914-946-1313 or TTY 914-946-4634.


VETERANS BENEFITS

New York State
The New York State Higher Education Department has approved Westchester Community College for the training of veterans and the dependents of veterans under the various Veterans Readjustment Acts. For further information, contact the Veteran’s Counselors in the Financial Aid Office (914-606-6994).

Veteran Tuition Award (VTA): Those veterans who served during the Vietnam Era, Operation Desert Shield/Storm, Operation Iraqi Freedom, or Operation Enduring Freedom are eligible to receive up to 98% of the resident SUNY, CUNY, or Community College tuition. Note that although the award is available regardless of income, students are now required to file both a FAFSA and TAP application in addition to the Veteran Tuition Award to be eligible for this award. Once TAP is processed, the TAP grant will pay the remaining 2% of the tuition. The CVTA application is available at the following site:
https://web1.hesc.org/questionnaire/page.hesc?questionnaireId=14&versionNumber=2

Complete the questionnaire on line and mail a copy of your DD-214 to HESC as instructed on the questionnaire.

National Guard Tuition Program
A new educational incentive program of the division of Military and Naval Affairs began January 1997 for members of the Army National Guard (ARNG), Air National Guard (ANG), and Naval Militia (MNNM) in the State of New York.
Guard members may be eligible if they meet specific criteria:

  1.  Matriculated
  2.  Enrolled full-time or part-time (at least 6 credits)
  3.  Working on first baccalaureate degree
  4.  Attending an eligible New York institution
  5.  Applied for a Federal PELL and NYS TAP; and
  6.  Maintained good drill attendance

Students may receive up to $3,400/year ($1,700/semester) or tuition, whichever is less. Federal Pell and TAP awards will be deducted from tuition first, and the balance of tuition would be aid through this program. The Division of Military and Naval Affairs Educational Incentive Program Application is available from the National Guard. Students are responsible to pay the money back if they drop out of classes.

Child of Veteran (CV) or Corrections Officer (CO)
A child of a military service veteran who is deceased, 40% or more disabled, a former prisoner of war or missing in action as a result of service in World War I, World War II, Korean War or Vietnam War, or who died as a result of injuries sustained in the line of duty as a corrections officer may receive up to $450 each year for four years of full-time undergraduate study (or five years in an approved five-year bachelor’s degree program). The combined Child of Veteran and/or Child of Correction Officer and TAP award can never exceed the amount of tuition. For further information, contact the New York State Higher Education Services Corporation (NYSHESC) in Albany and request a CV or CO Award Supplement. You must file a FAFSA application and a TAP application.

Military Service Recognition Scholarship for members of the armed services of the U.S or state organized militia who, while New York State residents, at any time on or after August 2, 1990, became severely and permanently disabled as a result of injury or illness incurred in a combat theatre or combat zone or during military training operations in preparation for duty in a combat theatre or combat zone of operation.

Also, children spouses and financial dependents of member of the above forces who were New York State residents at any time on or after August 2, 199, who died, became severely and permanently disabled as a result in injuries suffered or incurred, or are classified missing in action as a result of military activities as described above are also eligible.

Applicants must be a full time undergraduate student in an approved New York State post-secondary institution and must submit documentation supporting eligibility.  In addition to applying for a TAP, award applicants must file the appropriate award supplement by May 1, 2011for he 2010-11 academic year. The Application Supplement may be requested from NYSHESC by calling 1-888-697-4372.

New York State Educational Incentive Program
Covers tuition for current New York State National Guard and New York State Naval Militia participants only. Apply through the Education Office at your reserve unit.

Federal 
Vocational Rehab(Chapter 31)
Commonly called Vocational Rehabilitation, this program covers those service members with a service connected disability. Those looking to qualify for this program will first need to have the VA determine both their level of disability and the appropriate remedy. Note that the program of study will need to be approved prior to enrollment, and all classes attempted must lead to the specified degree. Tuition, fees, books, and supplies will be paid by the VA to the college directly. The student is responsible for presenting the form 1905-22 to the VA certifying official to insure payment. The student is responsible for reporting any changes in enrollment and academic progress to his or her VA counselor.

Survivor Benefits (Chapter 35)
Survivor benefits are paid to the children or spouse of a veteran declared 100% disabled, died as a result of a service connected disability, killed action, or missing in action. The benefit is a monthly stipend paid after school certification, and the student is not required to report attendance each month. Payment is prorated if the student is less than full time, and those taking less than 6 credits will only receive partial payment for the semester.

Montgomery GI Bill (MGIB). Active Duty Educational Assistance Program (Chapter 30) Service beginning after June 30, 1985
This program is for active duty veterans who served after July 1st, 1985. The benefit is a monthly stipend paid after the school certifies registration. The amount paid is based on length of active duty service and number of credits taken. Those who served 4 years or longer receive the full payment while those who less than 4 years will have their awards reduced. Similarly, part time students will have their payments prorated. Those taking less than 6 credits will be paid only the tuition and fees associated with their class and do not receive a stipend to assist with living expenses. Students are responsible for certifying their attendance each month. If a student does not certify his or her attendance, the VA will withhold future payments until the student is in compliance.

New GI Bill. Selected Reserved Educational Assistance Program (Chapter 1606).
This
program is limited to reservists and National Guard personnel who have not been called to active duty. Similar to the Montgomery GI BILL, the benefit is a monthly stipend paid after the school certifies registration. The amount paid is the same regardless of length of service; however payment is prorated for those taking less than full time study. Those taking less than 6 credits will only receive partial payment for the semester. Also, the student is required to certify attendance each month, and payment will be withheld if this is not completed.

REAP
This program is for reservist and Guard personnel who served extended overseas tours of duty. Your monthly stipend will vary depending on how long you spent on active duty. The minimum length of active duty service is 90 days. Those who served less than 90 days are eligible for Chapter 1606 only. Note that active duty does not include training. Once the monthly payment had been decided, the program is similar to Chapters 30 and 1606. Students receive payment after certification by the school, and students must certify their attendance each month. Those who do not certify their attendance will not receive the next month’s payment. Also, payment is prorated for those taking less than full time study, and those taking less than 6 credits will only receive partial payment.

Post-9/11 GI bill effective August 1, 2009
This program creates a new veterans education benefits program for persons on active duty on or after September 11, 2001.  It increases the maximum monthly veterans education benefits under the pre-existing Montgomery GI Bill-Active Duty (MGIB) from $1,101 to $1,321and allows active duty service members to transfer to family members MGIB and other veterans education benefits.  Veterans will have 15 years to use the Post-9/11Bill benefits as compared to 10 under MGIB.  Benefits under the Post-9/11 GI Bill are paid directly to the beneficiary.

Who Is Eligible

  • Veterans who served in aggregate at least 90 days active duty after September 10, 2001.
  • Those who served at least 36 months active duty are eligible for maximum benefits.
  • Those who served less time are eligible for pro-rated benefits to a minimum of 40%.
  • National Guard and Reserves members who served pursuant to a federal call to active duty.
  • Veterans who serve at least 30 continuous days and sustained a service connected disability.
  • Veterans discharged in some circumstances.
  • Active duty service members
  • In some cases, spouses and children of active service members.

Veterans enrolled more than half-time in an approved educational program are entitled to tuition benefits, monthly housing stipends and yearly books and supplies stipends.  The tuition stipend would be that charged at Westchester Community College.  Yearly stipend for books and supplies is up to $1,000. The housing stipend is based on military housing benefit rates based on the zip code of the college.  Students enrolled in distance education are not eligible for a housing stipend.  Students enrolled half-time or less are eligible for a reduced tuition and books and supplies stipend.  They are, however, not eligible for a housing stipend.

Compared to the pre-existing veterans education benefits programs, which remain in effect, the Post-9/11 GI Bill generally provides a better benefits package in terms of eligibility criteria, eligibility period and financial value. However, please be aware that the best veterans education benefits program for a person who is eligible for multiple programs, including the Post-9/11 GI Bill will depend on the person’s individual circumstances.

NOTE: Once a veteran selects the Post- 9/11 GI bill program, he/she cannot revert back to the MGIB.  Veterans are therefore cautioned to weigh carefully which of the two programs will serve them better.

The Fry Scholarship
This scholarship, administered by the Department of Veterans Affairs, is named after Marine Gunnery Sergeant John David Fry who died in Iraq in 2006.  Children of military personnel who died in the line of duty since September 11, 2001 are eligible to apply for this scholarship. The scholarship covers tuition and fees for public, in state undergraduate students plus a monthly living stipend and book allowance.  Eligible children are entitled to 36 months of benefits at the 100% level and have 15 years to use the benefit beginning on his/her 18th.   birthday until the age of 33.

Eligible children serving or who have served in the armed forces  who are eligible for benefits under the Montgomery GI Bill Active Duty, Montgomery GI Bill Selected Reserve, and/or the Reserve Educational Assistance Program (REAP) must relinquish eligibility under one of these programs to receive this benefit.  A child on active duty will receive benefits at the active duty benefit rate, that is tuition and fees but not monthly housing allowance or books and supplies.  Those eligible to transfer benefits to his or her dependents can transfer up to 36 months of eligibility.  Applications are available online at www.gibill.va.gov.  At the VONAPP site select VA Form 22-5490.  For further information call 1-888-GIBILL-1 (1-888-442-4551) or visit the VA GI Bill Website at http://www.gibill.va.gov.

For additional information, please contact the Veteran’s Counselor located in the Student Center  (914) 606-6156 or e-mail Joshua.Gaccione@sunywcc.edu.

Additional Sources of Aid

Contact local community groups, high school, places of parents’ employment for information about any available scholarships