2015-2016 Catalog 
    Sep 27, 2020  
2015-2016 Catalog [ARCHIVED CATALOG]

EOF, Financial Aid & Paying for College

Brookdale is actively seeking to remove all economic barriers for all students who desire a college education, but encounter 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.
  • You must not be in default or owe a refund on a federal grant or educational loan.

For a complete description, go to the Financial Aid website http://www.brookdalecc.edu/admissions/financial-aid/ or stop in the Office of Financial Aid located in the CAR building on the first floor.

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 - www.hesaa.org) also has application deadlines to determine TAG/EOF eligibility. Processing may take up to 30 days. Apply by May 1st for the academic year, or October 1st 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 results include an analysis of the family’s ability to contribute to student’s educational expenses which are 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 (3) 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

For an estimated cost of attendance see the Financial Aid website (www.brookdalecc.edu/financial-aid) and select the Net Price Calculator link. The calculator  provides estimated net price information (defined as estimated cost of attendance - including tuition and required fees, books and supplies, room and board (meals), and other related expenses - minus estimated grant and scholarship aid) to current and prospective students and their families based on what similar students paid in a previous year.  The calculator does not represent a final determination, or actual award, of financial assistance, or a final net price; it is strictly an estimate. Cost of attendance and financial aid availability change year to year. The estimates shall not be binding on the Secretary of Education, the institution of higher education, or the State.

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 $313 to $5,775 (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 post secondary institutions including community colleges, state colleges and private schools. Award values at Brookdale range from $284 to $2,888 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 $264 to $1,050.
  • 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 are eligible for 5 terms of free tuition.
  • Brookdale Community College Foundation and Alumni Association - Limited scholarships are awarded for academic achievement and other special criteria. Visit the Brookdale Foundation (www.brookdalecc.edu/brookdale-foundation) and Alumni Association (www.brookdalecc.edu/alumni-association) websites for a complete listings and additional information.

Loans -

Money borrowed that must be repaid.

  • Federal Direct Subsidized Loan - $5,500 for first year students and $6,500 for 2nd year students enrolled in a program that is a full academic year program.  Repayment begins six months after student drops to less than half-time status; student has up to 10 years to repay.  Current interest rate is 0% in school (subsidized by federal government) and after July 1, 2014, it is 4.66% as soon as the student drops below 6 credits.  Repayment begins 6 months later. 
  • Federal Direct Unsubsidized Loan -  If a student is not eligible to receive funds from the subsidized loan, a combination of subsidized and unsubsidized loans may not exceed $9500 for first year students and $10,500. for second year students. The interest is 4.66% 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. Repayment begins within sixty days of disbursement, or 6 months after the student stops attending at least 6 credits, with up to ten years to repay. Interest rate is a fixed 7.21%.
  • Alternative Loans - Alternative loans should be a last resort for students whose financial aid package already includes Federal Direct Loans and other sources of financial aid and still needs additional funding to meet their educational costs. Annual loan limit is the cost of education minus any financial aid received. Eligibility is determined by the lender. The borrower must be credit worthy and have established annual income, or need a co-signer. Brookdale does not associate or advise students on alternative loan lenders.

Work -

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

  • Federal College Work Study - awarded on the basis of financial need and available funds; students are paid bimonthly at a rate of $8.25 per hour.
  • Student Help - Work in College Dining Services, Bookstore, Mail Room, Student Activities and other locations; students are paid bimonthly at a rate of $8.25 per hour.

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 (www.brookdalecc.edu/financial-aid).

The Educational Opportunity Fund (EOF) Program

Students participating in the EOF (www.brookdalecc.edu/educational-opportunity-fund) 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 from the EOF home page 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 www.armyrotc.rutgers.edu/.

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

Servicemembers Opportunity College (SOC)

Brookdale Community College is a member of the Servicemembers Opportunity College (SOC-www.soc.aascu.org/socconsortium) 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 Continuing and Professional Studies unit of Brookdale and by Base education offices. For information call 732-224-2068.  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 by calling 732-224-2361. Waivers are valid for the Academic Year, which runs July 1st through June 30th each year.

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 (www.brookdalecc.edu/brookdale-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.