Frequently Asked Questions

 
 

Frequently Asked Questions

FAQ - Financial Assistance

Applying for Financial Assistance

How do doctoral students apply for fellowships?

Accepted students are automatically assigned a fellowship by their doctoral program. There is no application for the five-year fellowships.

How do doctoral students apply for federal aid?

Students who would like to be considered for federal aid must file the Free Application for Federal Student Aid (FAFSA). The easiest way to file is online. In order to file a FAFSA, students will need to create a Federal Student Aid (FSA) ID online. International students are not eligible for federal aid.
 
The FAFSA asks for demographic information about the student and the student’s spouse (if applicable) and their financial situation within the prior tax year.  For more information on what documentation is needed to complete the FAFSA, please visit: https://studentaid.ed.gov/sa/fafsa/filling-out.
 
The Graduate Center (GC) begins reviewing new FAFSAs in late May/early June prior to the start of the academic year. A student may be contacted if additional information is needed to complete his or her application. Students will automatically be considered for Federal Perkins loans and Federal Work Study based on their FAFSA data. Students who are interested in applying for Direct Loans (Unsubsidized Stafford or Graduate PLUS), must also complete a Federal Direct Loan Request Form and submit it to the Office of Financial Aid.

How do masters students apply for federal aid?

Students (excluding international students) who would like to be considered for federal aid must file the Free Application for Federal Student Aid (FAFSA). The easiest way to file is online. In order to file a FAFSA, you will need to create a Federal Student Aid (FSA) ID.
 
The FAFSA asks for demographic information about the student and the student’s spouse (if applicable) and their financial situation within the prior tax year. For more information on what documentation is needed to complete the FAFSA, please visit: https://studentaid.ed.gov/sa/fafsa/filling-out.
 
The GC begins reviewing new FAFSAs in late May/early June prior to the start of the academic year. A student may be contacted if additional information is needed to complete their application. Students will automatically be considered for Federal Perkins loans and Federal Work Study based on their FAFSA data. Students who are interested in applying for Federal Direct Loans (Unsubsidized Stafford or Graduate PLUS), must also complete a Federal Direct Loan Request Form and submit it to the Office of Financial Aid.

What is the FAFSA deadline?

Students who would like to be considered for all types of financial aid should file the FAFSA by our priority deadline, April 30th. If the student is only interested in borrowing Direct Loans, he or she should file their FAFSA by November 20th for the fall semester and April 15th for the spring semester. The student will still also need to file a Federal Direct Loan Request Form.

Who is eligible for federal aid?

Most students, with the exception of international students, are eligible to receive financial aid from the federal government to help pay for graduate school. A student’s age, race, or field of study won’t affect his or her eligibility for federal student aid. While income is taken into consideration, it does not automatically prevent a student from getting federal student aid. For more specific details on who qualifies, please visit: https://studentaid.ed.gov/sa/eligibility/infographic-accessible
 
In order to be eligible for federal student aid, a student must be registered at least half-time (6 credits/WIUs). Courses taken as a non-matriculated student and/or audited courses do not count toward a student’s eligibility to receive federal student aid.

Do I need to wait until I am admitted to file the FAFSA?

No, though no financial aid offers can be made until the student is admitted. The FAFSA becomes available January 1st for the following academic year. It is highly recommended that students apply by our April 30th  priority deadline, even if they have not received an admissions decision.

How will I be notified of my financial aid offer?

When the award becomes available or a change is made to the award, an email will be sent to the student’s GC email address. New doctoral students will also receive a paper financial aid award letter. All financial aid offers will be available to view in Banner. 

Do I need to apply for financial aid each year?

Doctoral Students who have received a GC Fellowship will have their fellowship automatically renewed each year, provided they are registered full-time and making satisfactory academic progress.
 
Students must apply for federal aid each academic year. In order to be considered for as much aid as possible, students should apply by the priority deadline, April 30th. Students who are only interested in Federal Direct Loans (Unsubsidized Stafford or Graduate PLUS) can file the FAFSA up until one month before the semester ends. Students interested in Federal Direct Loans must also complete the Federal Direct Loan Request Form annually.

Auditing Classes

Can I get financial aid if I am auditing classes?

No, financial aid is not available for audited classes. 

Do my audited classes count towards full-time enrollment?

No, only classes taken for credit count towards full-time enrollment.

Available Financial Aid

What types of aid are available to doctoral students?

All incoming doctoral students will be admitted with a five-year fellowship. Fellowships typically include a minimum of tuition coverage, though many fellowships also include a stipend and/or assistantship. For information on the different fellowships available, please visit: http://www.gc.cuny.edu/Prospective-Current-Students/Current-Students/Financial-Assistance/Fellowships-and-Grants.
 
Doctoral students (excluding international students who are not eligible for federal aid) who file the Free Application for Federal Student Aid (FAFSA) will also be considered for federal aid. Graduate students may be eligible for Federal Direct Loans - Unsubsidized Stafford or Graduate PLUS,- Federal Perkins Loans and/or Federal Work Study. For more information on these types of aid, please see the relevant subsections of this FAQ.

What types of aid are available to masters students?

Masters students who file the Free Application for Federal Student Aid (FAFSA) will be considered for federal aid. Graduate students may be eligible for Federal Direct Loans - Unsubsidized Stafford or Graduate PLUS - Federal Perkins Loans and/or Federal Work Study. For more information on these types of aid, please see the relevant subsections of this FAQ.

What types of aid are available to international students?

International doctoral students are eligible for institutional aid, including fellowships. The academic programs will appoint students to a fellowship upon admission. International students are subject, however, to the Glacier process each semester in order to determine the taxes (if any) that the student’s home country requires to be withheld from the stipend. This process will likely delay stipend payment. Advances on stipend payment will be available for international students. Please contact the Office of Financial Aid for details.
 
International students are not eligible for federal aid.

Federal Student Loans

What is a Federal Direct Unsubsidized Loan?

A Federal Direct Unsubsidized Loan is a non-need based federal student loan available to eligible graduate or professional students to help pay for the cost of the student's education. Interest accrues from the day the loan is disbursed until the day it is repaid in full. The Federal Government is the lender and does not subsidize the interest.
 
The 2015-2016 interest rate for federal Direct Unsubsidized Loans is 5.84% and is set annually by the Federal Government.
 
Federal Direct Loans also have an origination fee which is deducted at disbursement. This means the money a student receives will be less than the amount the student actually borrows.  The student is responsible for repaying the entire amount borrowed, not just the amount received. Direct Unsubsidized Stafford Loans disbursed between 10/1/14 and 10/1/15 will have an origination fee of 1.073%. Direct Unsubsidized Stafford Loans disbursed between 10/1/15 and 10/1/16 will have an origination fee of 1.068%.
 
The maximum loan amount is $20,500, but cannot exceed the student’s cost of attendance minus any other financial aid received.
 
Upon disbursement, Federal Direct Loans are assigned to a third party servicer who will be responsible for billing and the processing of payments. Federal Direct Loans have a six-month grace period. Borrowers begin repayment in the seventh month upon graduating, dropping below half-time, or withdrawing from school.
 
 

What is a Federal Direct Graduate Plus Loan?

A Federal Direct PLUS Loan is a credit-based loan available to eligible graduate or professional students to help pay for the cost of the student's education. The borrower must not have an adverse credit history. Interest accrues from the day the loan is disbursed until the day it is repaid in full. Graduate or professional students should exhaust Federal Direct Unsubsidized Loan before taking out Federal Direct PLUS Loans. The Federal Government is the lender and does not subsidize the interest.
 
The 2015-2016 interest rate for Federal Direct Graduate Plus Loan is 6.84% and is set annually by the Federal Government.
 
Federal Direct Loans also have an origination fee which is deducted at disbursement. This means the money a student receives will be less than the amount the student actually borrows. The student is responsible for repaying the entire amount borrowed, not just the amount received. Direct Plus Loans disbursed between 10/1/14 and 10/1/15 will have an origination fee of 4.292%. Direct Plus Loans disbursed between 10/1/15 and 10/1/16 will have an origination fee of 4.272%.
 
The maximum loan amount is the student’s cost of attendance (determined by the school) minus any other financial aid received.
 
Upon disbursement, Federal Direct Loans are assigned to a third party servicer who will be responsible for billing and processing of payments. Federal Direct Loans have a six- month grace period. Borrowers begin repayment in the seventh month upon graduating, dropping below half-time or withdrawing from school.

What is a Federal Direct Loan servicer and how do I find out who my servicer is?

A loan servicer is the company that collects payments, responds to customer service inquiries, and performs other administrative tasks associated with student loans on behalf of a lender. If a borrower has questions about repayment or his or her options, the servicer is often the best resource. Borrowers must make sure that loan servicers always have accurate contact information to avoid missing payments because of a lost bill.

Servicer contact information is located on National Student Loan Data System (NSLDS).
 

When will my Federal Direct Loan disburse?

Federal Direct Loans will disburse weekly starting at the beginning of each semester.
 
The student’s actual disbursement date is contingent upon when the Master Promissory Note (MPN) is signed and when the Federal Government links the signed MPN to the current year loan. Once this occurs, the loan will disburse on the next available disbursement date. There is usually a 2-3 week turnaround time between signing the MPN and receiving the funds.
 
The MPN is valid for 10 years, meaning a borrower does not need to resign the MPN annually.
 

How will I receive my Federal Direct Loan Refund?

If a student has a balance with the Bursar, the balance will be deducted from the loan.  The remaining loan proceeds will be direct deposited into the student’s bank account or mailed to the student.
 
Loan checks can be received in one of two ways:

  1. Direct Deposit (highly recommended) – Paperwork must be completed in the Bursar’s Office.
  2. A check will be mailed to the address listed on the student’s FAFSA. The mailing address can be updated on question #5 of the Direct Loan Request Form.

What is a Federal Perkins Loan?

A Federal Perkins Loan is a need-based, low-interest federal student loan. Perkins Loans carry a fixed interest rate of 5%.  The school is the lender; payment will be made to the school’s loan servicer, ECSI. The Perkins Loan program has a nine-month grace period. Borrowers begin repayment in the tenth month upon graduating, dropping below half-time or withdrawing from school.
 

When will my Federal Perkins Loan be disbursed?

Before the Federal Perkins Loan can be disbursed, the student must complete both entrance counseling and the Master Promissory Note (MPN) every academic year. The entrance counseling and MPN are made available during the summer months.  Once those are completed, the loan would pay in the first available pay cycle. The fall disbursement date will be in September. The spring disbursement will be in February. Please note:  The Federal Perkins Loan program is set to expire on October 1, 2015. Students who complete their MPN and entrance counseling by September 20th will be able to receive their fall 2015 and spring 2016 Perkins Loan.  Any Federal Perkins recipient who has not completed their MPN and/or entrance counseling by September 20th, will have their Federal Perkins Loan canceled.
 

What is a Federal Perkins Loan servicer and how do I find out who my servicer is?

A loan servicer is the company that collects payments, responds to customer service inquiries, and performs other administrative tasks associated with student loans on behalf of a lender. If a borrower has questions about repayment or his or her options, the servicer is often the best resource. Borrowers must make sure that loan servicers always have accurate contact information to avoid missing payments because of a lost bill.

CUNY’s current servicer for the Federal Perkins loan is ECSI (www.ecsi.net).

Federal Work-Study

How do I apply for work-study?

To be considered for federal work study (FWS), the FAFSA must be filed by the April 30th priority deadline and question 31 should be answered with a “yes,” indicating an interest in FWS.

FWS money is awarded on a first-come, first-serve basis. The GC receives a fixed amount of money each academic year to make FWS awards.  Students who do not initially receive a FWS offer may complete the Federal Work Study Wish List Form in order to be considered if funds become available at a later date. Students who have been awarded work study will see it reflected as part of the financial aid award in Banner.


Where would I work?

Student assignments are within the student’s academic program. 

Can I choose where I would like to work?

No. The Graduate School of Journalism students are assigned exclusively to their campus. The Graduate Center may offer a few students an alternative work assignment if their academic program does not have an available position. In this event, students should have prepared an updated resume or CV for distribution.

 

Can I earn as much money as I want?

No. The FWS award represents the maximum amount the student may earn for the academic year. How much of the total award is actually received depends upon the total number of hours worked. Once the maximum FWS award is earned, the student will have to stop working.

Students who would like to request additional FWS funds, may submit the FWS Wish List form. This form can be submitted after they have earned 3/4 of their FWS award (make sure to check the box below the signature line to make this request). Submit the completed form the Financial Aid Office for processing.

Am I paid an hourly wage or a salary?

Students are paid an hourly wage for FWS positions.
The Graduate School of Journalism pay rate is $12.00 per hour.
The Graduate Center the pay rate is $16.00 per hour. 

 

How will I be paid?

The student’s FWS supervisor is solely responsible to submit the bi-weekly FWS time sheet to the Office of Financial Aid.  Once submitted, the time sheet will be processed and payment will be generated. The student can determine if he or she prefer a paper paycheck, direct deposit, or a debit card to be loaded with the payment. Payments are made bi-weekly, as outlined on the FWS Payroll Calendar. If your FWS time sheet is submitted late, then your payment will be made on the next pay date listed on the FWS Payroll Calendar.
 

Am I eligible to receive unemployment benefits when I have earned my FWS award?

No. Students enrolled in a nonprofit or public educational institutions which combine academic instruction with work experience (such as the FWS program) are excluded from the Unemployment Insurance Program. 
 

If I am unable to earn my entire award, will I be able to receive the rest of the money?

No. Students can only be paid for the hours worked. If the student cannot earn the entire FWS award before the end of the academic year, then the unearned portion of the award is returned to the program.

How many credits do I have to take for FWS eligibility?

Students must register for and maintain an enrollment status of half-time (6 credits/WIUs) or greater to retain federal student aid eligibility for the FWS Program. Courses taken as a non-matriculated student and/or audited courses do not count toward a student’s eligibility to receive federal student aid.

If, for any reason, a student’s course load falls below half-time (6 credits/WIUs), the student can no longer earn monies from the FWS program and must stop working.
 

Do I have to stop working if I withdraw from school, take a leave of absence, or if I graduate?

Yes. If a student withdraws from school for any reason, he or she loses his or her eligibility for FWS and must stop working. Students who take a leave of absence, graduate, or drop below the 6 credits/WIUs are no longer eligible to earn monies from the FWS Program.

I am currently receiving unemployment. Do I have to report FWS earnings to the unemployment office?

Yes. Students who are receiving unemployment insurance benefits while employed in the FWS program must notify their local unemployment office that they are working in the FWS program. The New York State Department of Labor considers it willful misrepresentation to collect unemployment benefits without revealing that the student is also receiving FWS.

Are FWS earnings taxable?

Yes. FWS earnings are considered taxable income by both federal and state governments. FWS earnings are not, however, included in the calculation of a student’s eligibility for financial aid, provided that the student completes FAFSA question 44C.

Why do I have to fill out an I-9 form and the other forms posted to my banner student web account?

According to federal law, the identity and work eligibility of all FWS students must be verified before beginning a FWS assignment. Students will have to complete an I-9 form and present certain documents to an appropriate FWS representative. Students may not participate in the FWS program until they have filed an I-9 form with the Financial Aid Office. Other required documents include: the FERPA Confidentiality Agreement, the NYS Wage Rate Pay Day form, and withholding forms for the IRS and NYS. The blank forms are posted to the GC website

What are the benefits of the FWS program?

For students who have never had a job, the FWS program can give them exposure to the world of work. FWS employers are often willing to give on-the-job training. A majority of our FWS placements are directly related to the student’s program of study or career choice, thereby allowing valuable job experience. When seeking regular employment after graduation, students may use their FWS position as an employment reference. 

Fellowships

How will my fellowship be paid?

Fellowships are often made up of different components including tuition, a stipend and/or an assistantship.
 
All components of a fellowship can only be paid once a student has accepted his or her award in Banner and is registered full-time. For doctoral students, 7 credits is considered full-time. Students must also have their Social Security Number (SSN) or Taxpayer Identification Number (TIN) on file with the Office of Financial Aid. International students should refer to the international student section of the FAQ for additional information.
 
Tuition coverage: Once a student registers full-time, a bill is created by the Bursar and tuition coverage will automatically be applied.

Assistantships: (Grad A, B, or D) are paid biweekly over one calendar year. In order to have biweekly payments processed, students must attend a Human Resources orientation before the semester begins. Information on assistantship payment will be provided during that orientation.
 
Stipends (GCF, CSS, Science, Math, MAGNET, Neuroscience): will be mailed to the student’s address in Banner as a lump sum at the beginning of each semester, provided that the student has enrolled full-time, accepted the stipend, and has a SSN or TIN. In order to receive payment as early as possible, students should be sure to register and accept their aid prior to the financial aid registration deadline. To find out the deadline for the upcoming semester, please visit the announcement section of our website at http://www.gc.cuny.edu/Prospective-Current-Students/Current-Students/Financial-AssistancePlease note:  If a student’s registration or level changes, his or her financial aid award may also change.

Leaving the Graduate Center

What is a loan servicer?

A loan servicer is the company that collects payments, responds to customer service inquiries, and performs other administrative tasks associated with student loans on behalf of a lender. If a borrower has questions about repayment or his or her options, the servicer is often the best resource. Borrowers must make sure that loan servicers always have accurate contact information to avoid missing payments because of a lost bill.

Where can I find information about all of my student loans?

The  National Student Loan Database System (NSLDS) can be found at www.nslds.ed.gov. It contains information about all (undergraduate and graduate) the Federal student loans a student has borrowed; whether paid or unpaid. The NSLDS record includes lender(s), servicers, outstanding principal balances and current loan status. In order to access NSLDS you must use your FAFSA (Free Application for Federal Student Aid) ID. Alternative loans are not reported to or recorded on NSLDS. Borrowers will need to contact their alternative loan lender directly for information about those loans.

Do I have to repay my loans as soon as I leave school?

Most loans will allow borrowers a period of time after graduation before they have to start making payments on their loans.  This period of time is known as a grace period. Interest will not accrue on most subsidized loans during the grace period, but will accrue on all unsubsidized loans.  

Do my Federal Direct Loans have a grace period?

The initial grace period for the Federal Direct Unsubsidized Loan begins after a student is no longer enrolled in an eligible status; drops below half-time enrollment (less than 6 credits), graduates, takes a leave of absence or withdraws from school. The grace period for Federal Direct Unsubsidized Loans is six (6) months. Once the grace period is exhausted, borrowers will not receive another one. 

In most cases, the Direct Loan Servicer will automatically grant an in-school deferment on a Federal Direct Unsubsidized Loan based on information reported by your school to the U.S. Department of Education showing that you are enrolled at least half time.

There is no grace period for Federal Direct Plus Loans. However, in most cases, the Direct Loan Servicing Center will automatically grant an in-school deferment on your Federal Direct PLUS Loan based on information reported by your school to the U.S. Department of Education showing that you are enrolled at least half time. The Direct Loan Servicing Center will notify you of the deferment and of your option to cancel the deferment and begin making payments on your loan. The loan will remain in deferment for an additional six months after you cease to be enrolled at least half-time.  Interest will accumulate during the deferment. If the interest is not paid during deferment, it may be capitalized (added to the principal balance).  
 

Does my Federal Perkins Loan have a grace period?

The initial grace period begins after a student is no longer enrolled at an eligible status, meaning when the student drops below half-time enrollment (6 credits or 6 equated credits), graduates, takes a leave of absence or withdraws from school.  The initial grace period lasts nine (9) months. No interest accrues nor are payments due during a grace period. Students are required to begin repaying the Perkins loan when the grace period ends. 
 
Once the student enters repayment, CUNY’s loan servicer, ECSI, will send the student a monthly billing statement. 

When I enter repayment, how much will I pay?

For Federal Direct Loans, approximately one month before a borrower is scheduled to enter repayment, the borrower’s servicer will send information on the different repayment plans available and an estimate as to what each repayment plan will cost. For information on the different repayment plans available to Direct Loan borrowers, please visit: https://studentaid.ed.gov/sa/repay-loans/understand/plans. This site also has a calculator that will allow a borrower to estimate their payments before entering repayment.
 
ECSI will contact the student regarding payments for the Perkins Loan.

What is a deferment?

A deferment is a period of time where a borrower can suspend payments as long as he or she meets certain eligibility criteria.  Subsidized loans will not accrue interest during any period of deferment. Interest will accumulate on unsubsidized loans.  While the borrower is not required to pay the interest during a deferment, any unpaid interest will be capitalized (added to the principal) once the deferment ends.
 

How can I defer my Federal Direct Loans?

Deferment is not automatic. A borrower must apply for deferment by using a deferment form obtained from his or her servicer’s website. Supporting documentation may be required.

How can I defer my Federal Perkins Loan?

Deferment is not automatic. A borrower must apply for a deferment by using a deferment form obtained from the University’s billing servicer, ECSI at www.ecsi.net. The borrower will need his or her ESCI PIN to access the site. Supporting documentation is usually required. Once the approved deferment period ends, borrowers are entitled to an additional six-month post deferment grace period.

What is a forbearance?

A forbearance is a temporary adjustment of payments during times of hardship. During a forbearance, interest will accumulate on all loans. If the interest is not paid during forbearance, it may be capitalized (added to the principal balance).  

How can I put my Federal Perkin Loan into forbearance?

Borrowers must apply for a forbearance by using a forbearance form obtained from the University’s loan servicer, ECSI at www.esci.net. The borrower will need his or her ESCI PIN to access the site. Forbearance is usually granted for 6 months at a time. The total period of forbearance is limited to three years. Forbearance and extensions on forbearance are not automatic. For an additional forbearance you must submit a new request.

When can my federal loans be forgiven, canceled, or discharged?

You must repay your loans even if you don’t complete your education, can’t find a job related to your program of study, or are unhappy with the education you paid for with your loans. There are rare circumstances, however, when a student’s loans may be forgiven, canceled or discharged. For more information, please visit: https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation.

What are Federal Perkins Loan cancellations?

As one of the benefits of the Federal Perkins Loan, a borrower may be eligible to have up to 100 percent of his or her loan canceled by engaging in certain types of public service and community based work. A Perkins loan may also be canceled in the event of total and permanent disability or death. For more information about what qualifies for loan cancellation, visit: https://studentaid.ed.gov/repay-loans/forgiveness-cancellation/charts#perkins-loan-cancellation.

Cancellations are not automatic. If a borrower is eligible for a cancellation, it is the borrower’s responsibility to complete the appropriate forms and submit them to the loan servicer on a timely basis. Contact the University’s loan servicer – ECSI – or download forms from their web site at www.ecsi.net. Please note that additional documentation is usually required.
 

What happens if I do not repay my federal loans?

After 270 days of non-payment, a borrower’s loan will enter default status.  The consequences of default can be severe:
 
  • The loan will be assigned to a collection agency.
  • The loan will be reported as delinquent to the credit bureaus, damaging the borrower’s credit. It will take years to reestablish credit after a default.
  • May result in wage garnishment and/or tax offsets.
  • Please see https://studentaid.ed.gov/sa/repay-loans/default#when for additional details.

Student Academic Progress

What is Satisfactory Academic Progress?

In order to receive federal student aid, a student must be making Satisfactory Academic Progress (SAP). SAP is measured in three ways: qualitative, quantitative, and time to degree. At the GC, SAP is measured as follows:
   
    Qualitative: 
  • Student must maintain a 3.0 cumulative grade point average.

    Quantitative:
  • Student must have earned a passing grade in each course attempted.
  • Student cannot have more than two open grades of “INC,” “INP,” NGR,” “ABS,” or “ABP.”
  • Doctoral students must have passed their first examination by the time 45 credits are completed.
  • Doctoral students must pass their second examination within 10 semesters.
  • Doctoral students cannot receive two “NRP” grades in succession.

    Time to Degree:
  • Doctoral students must complete all degree requirements no later than eight years of matriculation. A student who matriculates after completing 30 credits of acceptable work must complete all degree requirements within seven years.
  • Master’s Degree students must complete all requirements no later than four years after matriculation.
  • Students who receive time limit extensions to their masters or doctoral programs must have the documentation sent to the Financial Aid Office and the approval of the VP of Student Affairs must be annotated to the document.

Student Responsibilities

As a student, what are my financial aid responsibilities? What should I know?

  • Be mindful of deadlines, such as the FAFSA deadline, the Financial Aid Registration deadline, etc.
  • Check Banner regularly
    • Accept his or her award in Banner.
    • A student should make sure that he or she does not owe financial aid any outstanding documents.
    • A student should monitor his or her bill to make sure his or her aid is being applied appropriately.
  • A student should check his or her GC email regularly.  All financial aid correspondence will be sent to that address.
  • Be aware that if a student’s enrollment or level changes, that student’s financial aid may also change.
 
In order to stay aware of major deadlines, follow the Office of Financial Aid on Twitter @GCFinancialAid.           

Tuition Remission

I am teaching at a CUNY college. Does this mean I qualify for tuition coverage?

A student qualifies for tuition remission as long as he or she is registered full-time, teaching a minimum of three credits at a CUNY college, in a PhD or equivalent program, and within his or her first ten semesters of enrollment.

I meet all of the criteria. How do I apply for tuition remission?

The student should bring their appointment letter to their Executive Officer or Assistant Program Officer. Their program will then notify the financial aid office of the students eligibility. 

Withdrawal

What happens if I withdraw from all of my classes?

The total dollar amount of aid a student is eligible to receive is affected when he or she drops all of their classes. Students who drop all of their classes should come to the Office of Financial Aid to speak with a financial aid counselor about the implications of their decision.

If I drop one or more courses am I still eligible to receive my financial aid?

Students in receipt of institutional aid (fellowships and assistantships) must be registered full time (at least seven credits/WIUs) to maintain eligibility.
 
Students receiving federal student aid (Federal Perkins, Federal Work Study, and Federal Direct Loans) are required to be registered for six or more credits/WIUs to meet the minimum eligibility requirements for those programs.
 
Audit classes do not count towards a student’s eligibility to receive institutional and federal student aid.
 
Dropping one or more classes may result in the cancellation of future loan disbursements and/or may result in the student having to return money to the school. Dropping classes may also impact a student’s Satisfactory Academic Progress. Please refer to the Satisfactory Progress section above for more information.