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10901 Little Patuxent Parkway
Columbia MD, 21044
Laurel College Center
312 Marshall Avenue, Suite 205
Laurel, MD 20707
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6751 Columbia Gateway Drive
Columbia MD, 21046
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Background
 
 

Financial Aid Policies

Be sure to read and understand these important financial aid policies.

Developmental Coursework

Financial aid can be used to cover a maximum of 30 attempted credits of developmental education courses. This is in addition to the satisfactory academic progress maximum timeframe based on the student's program length.

 

Federal Return on Title IV Funds
 
Students receiving financial aid are responsible for following the college's withdrawal procedures as outlined in the Howard Community College Catalog (page 61). The Higher Education Act requires the college to calculate a Return of Title IV funds on all federal financial aid students who withdraw (officially or unofficially) from all classes on or before the 60% attendance point in the semester.
 
A schedule is used to determine the percentage of the semester the student attended based on the withdrawal date/last date of attendance. The percentage of the semester the student attended is calculated as follows:
  • Number of days in attendance 
  • Number of days in semester


The number of days counted includes all calendar days in the semester including weekends and holidays, but excludes college breaks of five or more days. The percentage of the semester the student attended is used to calculate the amount of the student's earned versus unearned federal aid funds. The unearned portion of federal aid funds received must be returned to the appropriate aid program in accordance with the order of return as mandated by law. The order of return is: Federal Unsubsidized Stafford Student Loan, Federal Subsidized Stafford Student Loan, Federal PLUS Loan, Federal Pell Grant, Federal SEOG Grant, other Title IV aid.

 

 
The college is responsible for returning the lesser of unearned Title IV aid or unearned institutional charges. Unearned institutional charges are based on the percentage of the semester the student did not attend. The college is responsible for its return of funds first, followed by the student's return of funds.
 
The student is responsible for returning:

 

  • Amount of unearned Title IV Aid
  • Amount of aid school returns
  • Amount Student Returns

The college must return its portion of unearned Title IV aid (loan and grant) to the appropriate federal program within 45 days from the student's withdrawal date as determined by Financial Aid Services. If the amount the student returns includes a federal loan program, the student is responsible for repayment of the loan in accordance with the terms of the loan program. If the amount the student returns includes grant aid, the student must repay 50% of the grant money received, rather than 100%.

 

 
The student must return unearned grant aid to the college within 45 days from the date of notification. Failure by the student to return or make arrangements to return unearned grant aid to the college within 45 days will result in the student's being reported to the U.S. Department of Education (USDOE). The student will be considered in an overpayment status, and will not be eligible for additional aid at any post-secondary institution participating in Title IV Aid programs. Students who are reported to USDOE in an Overpayment Status should contact the USDOE to make payment arrangements to repay the necessary grant funds.
 
Students who stop attending Howard Community College may not receive further financial aid disbursements, may lose some or all of the aid that has already been disbursed to their account, may be responsible for repayment of unpaid charges and may be considered in overpayment status with USDOE. Students who stop attending all classes without officially withdrawing from the college will be subject to a Return of Title IV Funds calculation at the end of the semester, based on their last date of attendance determined by Financial Aid Services.
 
 
Repeating Coursework
 
Federal financial aid programs can only pay for one repeat of a passed course (passed meaning grade "D" or higher). For example, if a student enrolls and earns a grade of "D" in a course, the student's enrollment status for financial aid will include that course attempt. If a student enrolls a second time in the same course, the course will be included in the student's enrollment status for financial aid. If the student enrolls in the same course for a third time financial aid will not include the course in the student's enrollment status.
 
Satisfactory Academic Progress
 
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