2013-2014 catalog 
    Jan 30, 2023  
2013-2014 catalog [ARCHIVED CATALOG]

Financial Aid and Paying for College

Brookdale is actively seeking to remove all economic barriers for those students who desire a college education, but encounter some difficulty in achieving this goal because of financial circumstances. Brookdale encourages all students to apply!

Financial Aid Eligibility

  • You must be admitted to a degree or certificate program, be matriculated (degree seeking, not visiting), and have received your high school diploma or earned your GED, or earned at least six college credits, or have passing scores on ALL sections of the Accuplacer Placement Exam.
  • Full-time and part-time students may receive financial aid.
  • You must be a U.S. citizen or eligible non-citizen.
  • You must be registered with Selective Service (if required).
  • You must be making satisfactory academic progress as defined by Federal, State and Brookdale regulations. For a complete description, go to the Financial Aid website or stop in the Office of Financial Aid located in the CAR building, first floor.
  • You must not be in default or owe a refund on a federal grant or educational loan.

How To Apply For Financial Aid And What Happens After You Apply

  • Students must complete a FAFSA (Free Application for Federal Student Aid) annually. The FAFSA is available January 1st every year. Complete your FAFSA ON-LINE AT www.fafsa.gov. Complete the Optional Feature at the end of your FAFSA to file your State application for New Jersey State based financial aid.
  • Once you are notified by the Financial Aid Office, complete your BCC Confidential on-line from the Financial Aid website and click the link “Check the Status of my Financial Aid”.
  • Some aid is awarded on a first-come first-served basis. If you apply late, be prepared to pay all charges yourself with the possibility of getting financial aid after the term begins.
  • The New Jersey Higher Education Student Assistance Authority (NJHESAA) also has application deadlines to determine TAG/EOF eligibility. Processing may take up to 30 days. Apply by May 1 for the academic year, or October 1 for the spring semester only.
  • You will receive your Student Aid Report (SAR) in about 1-2 weeks if you apply on-line, (or 3-5 days if you include your E-mail address). As long as you indicated Brookdale as one of your college choices, Brookdale will receive the results of your FAFSA and use the FAFSA to determine eligibility for all sources of financial aid other than TAG and EOF. The FAFSA result includes an analysis of the family’s ability to contribute to his or her educational expenses which is referred to as the Expected Family Contribution (EFC). The EFC is subtracted from the Cost of Attendance and the result is the student’s financial need.
  • After you complete all requests made by NJHESAA you will get a Student Eligibility Notice (SEN). The SEN indicates your eligibility for a Tuition Aid Grant (TAG) and assumes you will attend Full Time. Brookdale will make adjustments to your award if you attend Part Time. EOF is determined by the EOF office at Brookdale.
  • Brookdale’s Financial Aid Office will mail you a Missing Information Letter if we need additional documents to process your application. You (and your parents or spouse) may be required to provide copies of federal tax returns. Have them ready, but do not submit them unless we ask for them. No more than three missing information letters are sent on a rolling basis. If you do not respond to missing information requests, your record will be placed in a hold status and your financial aid will not be processed.
  • Once your file is complete you will receive a Financial Aid award letter OR a letter stating that you are not eligible for aid.
  • To apply for a Federal Direct Loan you must apply on-line go to the Financial Aid website and click the link to “Complete Entrance Counseling/OR Master Promissory Note”. If you do not indicate an interest in a student loan when completing your BCC-Confidential, contact the Office of Financial Aid at 732-224-2361 or complete and submit a Student Loan Request Form.

Estimated Financial Aid Cost Of Attendance

(13 credit average – 9 Months)

TUITION ($115.50 per credit-in county) $3,003 $3,003
FEES ($27.72 per credit) 721 721
ROOM & BOARD 6,095 9,099
TOTAL BUDGET $15,576 $18,580

-Books & Supplies is based on 13 credit average full time load charges supplied by Campus Bookstore.

-Transportation is based on 30 miles/day, 5 days/week, 15 weeks/term, 30 weeks/year, 0555 cents/mile (IRS 2012 Standard Rate).

-Room & Board  based on 9 months and is 47% of Food/Housing/Utilities 2012 BLS budgets for NYC/Northern NJ.

-Low budget is for students living at home with parents: $6,095 (47% of $12,969); moderate budget is for students not living with parents: $9,099 (47% of $19,360)

-Personal Expense figure of $ 2,060 is obtained by adding  1.013% increase to 2011 costs reported in College Board “Trends in College Pricing” 2012-2013.

PART-TIME STUDENTS (Pro-rated Budgets)

Part-time budgets will be constructed in the following manner:

¾ time students .75 x (Tuition, Fees, Books and Supplies, Transportation, Personal Expenses) + Room and Board

½ time students .50 x (Tuition, Fees, Books and Supplies, Transportation, Personal Expenses) + Room and Board.

Less than ½ .25 x (Tuition, Fees, Books and Supplies, Transportation – No Room/Board, Personal)

Financial Aid Programs At Brookdale

Grants/Scholarships –

Money you do not have to pay back.

  • Federal Pell Grant – Grants are per EFC and awards range from $277 to $5,550 (contingent on federal funding) per year. Some students are eligible to receive up to two Scheduled Awards in a single award year.
  • Federal Supplemental Education Opportunity Grant (FSEOG) - Additional grants awarded to Pell recipients, amount depends on financial need and available funds. Approximately $200-$500 per year.
  • New Jersey Tuition Aid Grant (TAG) - Grants are available for full and part-time students attending New Jersey postsecondary instittuions including community colleges, state colleges and private schools. Award values at Brookdale range from $448 to $2,970 per year.
  • New Jersey Educational Opportunity Fund Grant (EOF) - Grants are awarded based on academic AND financial need as determined by the EOF office. Awards range from $200 to$1,
  • Academic Competitiveness Grant – Per federal regulations, ACG has been discontinued beginning the 2011-2012 year.
  • NJSTARS – Students who are enrolled in at least 12 College level credits and do not require remedial study, who graduated from their high school in the top 15% of their class may receive full tuition.
  • NJSTARS II -  Students who attend Brookdale full-time for no more than 5 terms and graduate with an Associate Dergree and a 3.25-4.00 GPA may qualify for $2,500 for tuition and fees at any College or University in New Jersey.
  • Brookdale Community College Foundation and Alumni Association – Limited scholarships are awarded for academic achievement, and other special criteria. Visit the Foundation and Alumni website for a complete list and information.

Loans –

Money borrowed that must be repaid.

  • Federal Direct Subsidized Loan - $5,550 for 1st year students or $6,500 for 2nd year students enrolled in a program that is a full academic year. Repayment begins six months after student status drops to less than half-time; student has up to 10 years to repay, Current interest rate is 0% in-school (subsidized by the Federal government) and beginning July 1, 2012 a fixed rate of 6.8% upon taking less than 6-credits.
  • Federal Direct Unsubsidized Loan - If a student is not eligible for a subsidized loan, a combination of subsidized and unsubsidized loans may not exceed $9,5000 for first year students and $10,500 for second year students. The interest is 6.8% and repayment terms are the same, except interest is not subsidized and will accrue during in-school and six-month grace periods.
  • Federal Direct Parent Loan for Undergraduate Students (PLUS) – Annual loan limit is the dependent student’s cost of education minus any estimated financial aid received. Parent application is approved based on credit. Repayment begins within sixty days of disbursement or six months after student stops attending at least 6-credits, with upto 10 years to repay. The interest rate is a fixed 7.9% in 2012-2013.

Work –

Money earned from work and paid to student bi-monthly.

  • Federal Work Study - Amount of award depends on financial need and students are paid bi-monthly, $7.50 per hour, from federal funds. Students may work up to 20 hours per week.
  • Student Help - Students are paid bi-monthly, $7.50 per hour, from the College.

Important Phone Numbers

  • Need help completing the FAFSA? (Free Application for Federal Student Aid): Call 800-433-3243
  • Questions regarding status of your state aid: Call 800-792-8670

Correcting Mistakes And Missing Information

All information on your financial aid application must be complete and accurate. Corrections can be done on line at www.FAFSA.gov.

Return of Title IV Funds

The Higher Education Amendment of 1998 stipulates that a recalculation of a financial aid award must be completed for any Title IV recipient who totally withdraws from Brookdale Community College. The federal recalculation formula calculates how much Title IV program assistance is earned for attendance up through the 60% point of the term. More information regarding this process is available in the Financial Aid Office. Please speak to a Financial Aid Administrator if you have any questions.

Loss of Student Eligibility for Federal Aid due to Drug Conviction

The Higher Education Amendments of 1998 include a new student eligibility provision. It provides that a student is ineligible for federal student aid if convicted, under federal or state law, of any offense involving the possession or sale of a controlled substance during a period of enrollment in which federal student aid was received. Federal aid can be grants, student loans, and/or college work study. The period of ineligibility begins on the date of conviction and lasts until the end of a statutorily specified period. The student may regain eligibility early by completing a drug rehabilitation program or if the conviction is overturned.

Section 484®*, Higher Education Act of 1965, detailing the suspension of eligibility for drug-related offenses and rehabilitation, follows.

® Suspension of Eligibility for Drug-Related Offenses.

  1. In general – A student who has been convicted of any offense under any Federal or State law involving the possession or sale of a controlled substance shall not be eligible to receive any grant, loan, or work assistance under this title during the period beginning on the date of such conviction and ending after the interval specified in the following table:

If convicted of an offense involving:
The possession of a controlled substance:

Ineligibility period is

          First offense 1 year
          Second offense 2 years
         Third offense Indefinite

The sale of a controlled substance:

Ineligibility period is:

          First offense 2 years
          Second offense Indefinite


  1. Rehabilitation – A student whose eligibility has been suspended under paragraph (1) may resume eligibility before the end of the ineligibility period determined under such paragraph if –
    1. the student satisfactorily completes a drug rehabilitation program that –
      1. complies with such criteria as the Secretary shall prescribe in regulations for purposes of this paragraph; and
      2. includes two unannounced drug tests; or
    2. the conviction is reversed, set aside, or otherwise rendered nugatory.

Definitions – In this subsection, the term “controlled substance” has the meaning given the term in section 102(6) of the Controlled Substances Act (21 U.S.C.802(6)).

*This subsection was added by section 483(f) of the Higher Education Amendments of 1998 (H.R. 6).

For more information see the Financial Aid website.

The Educational Opportunity Fund (EOF) Program

Students participating in the EOF program, a State funded college access and student support initiative, are highly motivated, goal-oriented and committed to seeking a college degree/certificate as they pursue their educational and career-related goals. All upon admission are judged as having some past or present indicator of under-preparedness for college study, as well as financial need, each a barrier that is successfully overcome as a result of their resourcefulness and self-determination.

A student’s college success is supported by their participation in a comprehensive set of support services sponsored by the program – a college preparatory summer program for new first-time fall entry college students, as well as school year activities including academic advisement, personal counseling, learning support, student leadership, achievement recognition, and career development and transfer services. In addition, based on financial eligibility, each year students are provided a $1,050 E.O.F. State grant to help them manage their college costs and special funding for a variety of educational and career related activities.

For more information on Brookdale’s E.O.F. admission opportunities, call 732-224-2510 or review the Admission Application in advance.


Brookdale maintains an agreement with Rutgers University, the Army ROTC and/or the Air Force ROTC to provide two and three year scholarships for qualified students. For more information on the Army ROTC call 732-932-7313, ext. 10 or go to http://www.armyrotc.rutgers.edu/.

For more information on the Air Force ROTC call 732-932-7706, ext. 20 or go to http://web.rutgers.edu/rotc485.

Servicemembers Opportunity College (SOC)

Brookdale Community College is a member of the Servicemembers Opportunity College (SOC) sponsored by the American Association of Community and Junior Colleges and the education agencies of the Department of Defense. As a SOC College, Brookdale commits to meeting the educational needs of Armed Forces personnel and their dependents. Brookdale is also a member of a national collegiate program, sponsored by the SOC Consortium, designed to allow service members to earn degrees even though an enrolled member relocates away from the home institution. The program is called Servicemembers Opportunity College Associate Degree (SOCAD) in the Army and Servicemembers Opportunity College (SOCNAV) in the Navy. Through these programs the service members and their dependents may enroll at Brookdale for a planned program and receive optimum credit for technical training and experience, up to 45 credits. Service members enrolled in SOCAD/SOCNAV programs can rest assured that credits equivalent to course requirements at Brookdale earned at other institutions will be accepted toward a Brookdale degree. All SOC Consortium institutions offer program planning and have personnel ready to assist the service member in completing degree requirements. Information about Brookdale’s SOCAD/SOCNAV is handled through the Business and Community Development unit of Brookdale and by Base education offices. The program at Brookdale is open to all Armed Forces personnel stationed or residing in Monmouth County, and their dependents.

Tuition Waivers

There are also three other opportunities to “pay” for tuition. Tuition waivers (tuition charges waived) are provided for the unemployed student with a waiver from state employment services; firefighters and first aid volunteers obtain waivers from their municipalities; and lastly, family dependents of victims of 9/11. For additional information, contact the Financial Aid Office. Waivers are valid for the Academic Year, July 1st through June 30th.

The unemployed student, firefighters and first aid volunteers may not pre-register. They must wait until the first day of any semester to register to have their tuition waived.

Special At Brookdale

The Brookdale Community College Foundation

The Brookdale Community College Foundation is a private, non-profit, tax-exempt organization. The mission of the Foundation is to raise money for student scholarship programs, building and capital expansion projects, and educational and curriculum enrichment programs.

Foundation Trustees are elected to three-year terms and represent Monmouth County’s business, corporate, community and professional leaderships.

Gifts to the Foundation’s Annual Access and Opportunity Scholarship, and the “Securing the Vision” Library Endowment Campaign are tax-exempt under section 501c(3) of the Internal Revenue Service Code. Bequests and charitable trusts are also ways that donors can leave a legacy of support.

Students needing financial assistance from the Foundation should apply through the College Financial Aid Office. A number of scholarships are available each year for both full and part-time students at the College.

Tuition Installment Plan

Students enrolling for credit courses in any term may participate in a tuition installment plan. Students must be in good financial standing to participate and there is an initial $50 non-refundable fee at the time of application. Payment schedules will differ depending on the term. For additional information, go to www.brookdalecc.afford.com or call 1-800-356-8329.