Types of Financial Aid


Please consult the Office of Financial Aid for more complete details relating to CCSJ scholarships and grants. Some restrictions apply. General restrictions include: eligibility criteria for new students must be met at the time of admission to CCSJ, award amounts are based on credit hours of enrollment, completion of the FAFSA is required for all CCSJ scholarships and grants, CCSJ awards cannot exceed 50% of tuition (or 100% of tuition if indicated), CCSJ aid is applied after all other forms of financial aid are applied (not to exceed tuition), and not all CCSJ scholarships and grants can be combined. See the Office of Financial Aid for your specific award/combination limits.


Grants and Scholarships for First Time Freshman

Types of Award
Annual Amount
Eligibility Criteria
Application Procedure

Presidential Scholarship

Award amount varies up to $14,000 annually

Minimum 1270 SAT or 27 ACT and 3.5 high school GPA on a 4.0 scale required. Student must maintain a 3.0 GPA while enrolled at CCSJ. For full-time students only. 8 semesters, Fall and Spring.

Admission to the College

Trustee Scholarship

Award amount varies up to $9,500 annually

Minimum 1170 SAT or 24 ACT and 3.25 GPA on a 4.0 scale required. Student must maintain a 3.0 GPA while enrolled at CCSJ. For full-time students only. 8 semesters, Fall and Spring.

Admission to the College

C.PP.S Scholarship

Award amount varies up to $3,700 to $5,700 annually

Minimum 1000 SAT or 22 ACT and 3.0 GPA on a 4.0 scale required. Student must maintain a 3.0 GPA while enrolled at CCSJ. For full-time students only. 8 semesters, Fall and Spring.

Admission to the College

St. Joseph Scholarship

Award amount varies up to $5,000 annually

Minimum 900 SAT or 18 ACT and a 3.0 high school GPA on a 4.0 scale. Student must maintain a 3.0 GPA while enrolled at CCSJ. For full-time students only. 8 semesters, Fall and Spring.

Admission to the College

Creative Preformance Scholarship

Award amount varies up to $5,000 annually

For students interested in: Art, Theater or Library Science. Student must maintain a 3.0 GPA while enrolled at CCSJ. For full-time students only. 8 semesters, Fall and Spring.

Contact the Office of Financial Aid

St. Gaspar's Honors Learning Community Scholarship

Award amount varies up to $2,000 annually

Awarded to select first-year and second-year students in the Honors Learning Community program.

Honors Learning Community Portfolio/Scholarship Application

GED Grant

Award amount varies up to $2,000 annually

Minimum 250(0) score on the GED test. This grant is renewable for 9 semesters based on attainment of 3.0 GPA.

Admission to the College



Grants and Scholarships for Transfer Students

Types of Award
Annual Amount
Eligibility Criteria
Application Procedure

Transfer Scholarship

Award amount varies up to $5,000 annually

Minimum 3.0 cumulative GPA on a 4.0 scale averaged from all colleges previously attended and at least 30 hours of transferable college credit. Student must maintain a 3.0 GPA while enrolled at CCSJ. Renewable for 6 semesters.

Admission to the College



Grants and Scholarships for both First Time Freshman and Transfer Students

Types of Award
Annual Amount
Eligibility Criteria
Application Procedure

CCSJ Grant

Award amount varies up to $4,000 annually

Available to Indiana residents who do not receive state aid. Students must be enrolled full-time. Fall & Spring semesters only. Based on financial need.

Admission to the College

Summer Grant

Award amount varies up to $800 annually

Enrollment during the summer semester. Based on the financial need of the student.

Admission to the College

Lefko Grant

Award amount varies up to $800 annually

Part-time enrollment status. Based on the financial need of the student. Fall & Spring semesters only.

Admission to the College

athletics Grant

Award amount varies based on head coach's offer

Eligibility is based on student participation in at least one NAIA sport per academic year. Fall & Spring semesters only.

Signed athletics Letter of Intent

Illinois Grant

Award amount varies up to $4,000 annually

Available to Illinois residents only. Full-time enrollment required. Based on the financial need of the student. Fall & Spring semesters only.

Admission to the College

Adult Learner Grant

Award amount varies up to $5,000 annually

Available for students 55 years of age or older. Amounts vary based on enrollment and EFC

Admission to the College

Alumni Grant

Award amount varies up to $5,000 annually or up to 50% off tuition

For undergraduate courses only. Student must have a bachelor degree from CCSJ.

Completed Alumni Grant Form

Diocesan Grant

Award amount varies up to $5,000 annually

Available to full-time employees of the Diocese of Gary or the Archdiocese of Chicago.

Verification of Employment

Student Participation Grant

Award amount varies up to $2,000 annually

Complete requirements as specified while serving as a CCSJ mentor, tutor, club President, club VP or member of the drama group.

Contact the Director of Student Activities

CCSJ Hammond College Bound Scholarship

Amount varies up to the cost of tuition

Available to students who receive the Hammond College Bound Scholarship. The award assists in covering the remaining tuition costs after all other forms of financial aid are applied.

Admission to the College and recipient of the Hammond College Bound Scholarship

CCSJ Legacy Grant

Award amount varies up to $3,000 annually

For the son, daughter, sibling, spouse or grandchild of a CCSJ Bachelor or Masters degree recipient. Full-time enrollment required. Fall & Spring semesters only.

Completed Legacy Grant Form

CCSJ Foundations of East Chicago Scholarship

Amount varies up to the cost of tuition

Available to students who receive the Foundations of East Chicago Scholarship. The award matches the amount of the Foundations of East Chicago Scholarship up to the cost of tuition after all other forms of financial aid are applied.

Admission to the College and recipient of the Foundations of East Chicago Scholarship

Zero EFC Grant

Award amount varies up to the cost of tuition

Available to traditional, 0 EFC students who qualify for full Pell and State of Indiana aid. The award assists in covering the remaining tuition costs after all other forms of financial aid are applied.

Admission to the College

CCSJ Fast Track Grant

Award amount varies up to 35% of the cost of tuition and fees

Available to stduents who enroll and complete an accelerated, 1 year program.

Admission to the College



Grants and Scholarships for Graduate Students

Types of Award
Annual Amount
Eligibility Criteria
Application Procedure

Graduate Assistantship Grant

Award amount covers up to 12 graduate credit hours per semester

Review the guidelines and application information

Graduate Assistantship Grant application form

The United States Department of Education oversees the administration of the federal financial aid system. It is through the completion of the FAFSA that you will become eligible for consideration for federal financial aid. The Calumet College of St. Joseph Office of Financial Aid will package any federal grants and loans for which you qualify. Below is a list of the various types of federal grant and loan programs.




Federal Loans

Types of Award
Eligibility Criteria
Annual Amount
Interest Rate

Application Procedure

Federal Subsidized Direct Loan

Based on Need

Award amount varies based on dependency status, year in school and need.

4.45%

Completion of the FAFSA, all required documents, Entrance Counseling, Master Promissory Note, and Loan Application

Federal Unsubsidized Direct Loan

Non-need based

Award amount varies based on dependency status and year in school.

4.45%

Completion of the FAFSA, all required documents, Entrance Counseling, Master Promissory Note, and Loan Application

Federal Unsubsidized Direct Loan

Non-need based

Graduate/Professional Students

6.00%

Completion of the FAFSA, all required documents, Entrance Counseling, Master Promissory Note, and Loan Application

Federa Parent PLUS Loan

Non-need based (Student must be an undergraduate)

Cannot exceed cost of attendance once other forms of financial aid have been applied.

7.00%

Completion of the FAFSA, all required documents, Parent PLUS Loan Application, Consent to Obtain Credit Form, and Master Promissory Note

*Federal Subsidized and Unsubsidized loan amounts are limited to annual and aggregate maximums based on the student’s year in school and amount of loans previously accepted.



Federal Grants and Work Study

Types of Award
Eligibility Criteria
Annual Amount
Application Procedure

Federal Pell Grant

Financial need and U.S. citizen or eligible non-citizen.

Award amount varies up to $5,730 annually

Completion of the FAFSA and all required documents

Federal Supplemental Educational Opportunity Grant (FSEOG)

Exceptional financial need and U.S. citizen or eligible non-citizen.

Award amount varies up to $500 annually

Completion of the FAFSA and all required documents

Federal Work Study

Financial need and U.S. citizen or eligible non-citizen.

Award amount varies up to $5,440 annually according to amount of demonstrated need.

Completion of the FAFSA and all required documents

The Indiana Commission of Higher Education knows that a productive workforce is based on the education level of the State’s population. To that end, Indiana offers several State scholarships to students who show financial need. By filing the FAFSA by March 1* of the year prior to your entry in college, you will automatically be considered for all forms of State grant money.

*Filing by March 1 ensures that you will meet the state deadline of March 10 to have your FAFSA processed.


State Grants and Scholarships

Types of Award
Eligibility Criteria
Annual Amount

Adult Student Grant

  • Be an Indiana resident and a U.S. Citizen or eligible noncitizen;

  • Be independent as determined by the FAFSA and demonstrate financial need having a 1,500 EFC or less

  • Be enrolled in at least six (6) credit hours or their equivalent in any academic term;

  • Maintain a grade point average that meets satisfactory academic progress as defined by CCSJ

  • Complete at least eighteen (18) credit hours or their equivalent in the previous academic year to renew

A separate application is required after completing the FAFSA. The application can be found HERE.

Award amount varies up to $1,000 annually

The Earline S. Rogers Student Teaching Stipend for Minorities

  • be a minority student;

  • participate in student teaching or a school administration internship as part of the student's degree requirements;

  • be enrolled at an eligible Indiana institution;

  • be a first-time undergraduate student or be enrolled in a school administration program;

  • student teach or participate in a school administration internship at an Indiana school authorized by the Indiana Department of Education;

  • agree in writing to apply for a teaching position at an accredited school in Indiana following that student's certification as a teacher and, if hired, to teach for at least three years

A separate application is required after completing the FAFSA. The application deadline for the fall is October 4th and January 31st for the spring term. The application can be found HERE.

Award amount varies

Indiana Freedom of Choice

Financial need, U.S. citizen or eligible non-citizen, and Indiana resident. Processed FAFSA by March 10. Full- time enrollment.

Award amount varies up to $9,000 annually

Indiana 21st Century Scholarship

U.S. citizen or eligible non-citizen, 21st Century Scholar recipient, and Indiana resident. Processed FAFSA by March 10. Full- time enrollment.

Award amount varies up to $8,180

Mitch Daniels Early Graduation Scholarship

  • Must be an Indiana resident and a U.S. Citizen or eligible noncitizen

  • Must have attended a publicly supported high school on a full-time equivalency basis for at least the last two semesters before the student graduated

  • Must have been awarded a minimum of a Core 40 high school diploma by the end of grade 11, including any summer course work completed by July 1 of the year of graduation

  • Must not have been enrolled in a publicly supported high school for any part of a fourth year (grade 12)

  • Must, within five months of graduating high school, be taking classes and be in good standing at an eligible institution in a program leading to an approved postsecondary degree or credential

No separate application is required.

The student would qualify for a one-time payment of $4,000.

State of Indiana Work Study

Financial need, U.S. citizen or eligible non-citizen, and Indiana resident. Processed FAFSA by March 10.

Award amount varies

William A. Crawford Minority Teacher Scholarship

The Commission offers scholarships for minority students (defined as black and Hispanic individuals) planning to teach in an accredited school in Indiana upon graduation. Student must agree in writing to apply for a teaching positions in Indiana and, if hired, teach in Indiana for at least three years.
To renew the Scholarship for subsequent academic years, a minority student (who qualified for the scholarship initially) must reapply for the scholarship each year and maintain the cumulative 2.0 GPA. A separate application must be completed by September 4th after completing the FAFSA and can be found HERE.

Award amount varies up to $4,000 annually

Calumet College of St. Joseph is proud to have among its benefactors a number of organizations and individuals who have created funds to financially assist qualifying CCSJ students. The CCSJ Office of Financial Aid has created an application process that brings together these different endowed and outside scholarship opportunities. Applicants for any of the scholarships listed will be required to fill out the CCSJ Endowed Scholarship Application and submit a 500 word essay on the topic listed on the application.
Applications are available July 1 of each year and are to be returned to the CCSJ Office of Financial Aid by August 1. Most awards will be granted on September 1. Be aware that all scholarships listed below are competitive and based on the criteria outlined in the individual scholarship criteria. Please visit these links before completing the scholarship application.




Name of Scholarship

Amount

Eligibility Criteria

Ann M. Margaret Palko Scholarship

Varies

Entering or continuing student with financial need and demonstrated academic achievement. Preference given to students of Slovak heritage.*

Francis Myers Scholarship

Varies

Current CCSJ student

Hearst Scholarship

Varies

Minority student, sophomore or junior standing, minimum 3.5 GPA, and demonstrated financial need

Jerome Longawa Scholarship

Varies

Current CCSJ student

Robert Daniel Blasko Business Scholarship

Varies

Majoring in Business or a Business Related Field

Robert Daniel Blasko-J.L. Fattore Scholarship

Varies

Majoring in Business or a Business Related Field

US Steel Scholarship

Varies

First year, full-time student with a business-related major, demonstrated financial need, academic performance, and leadership qualities. Preference given to child of US Steel employee.

Wallace R. Nelson Scholarship

Varies

Demonstrated financial need

Women’s Guild Scholarship

3/$1000

Minimum 2.5 GPA

Realizing the Dream Scholarship

$1,000

Sophomore with superior GPA who is a graduate of an Indiana high school. Must be first generation to attend college.

UPS Scholarship

Amount varies

Academic achievement and financial need.

FastWeb - the Internet's leading free scholarship search service, helps students make the decisions that shape their lives: choosing a college, paying for college, and finding jobs and internships.

ScholarshipsAndGrants.US - provides essential Scholarship and Financial Aid Resources to students preparing for all types of careers.

ScholarshipExperts.com provides a full list of a variety of scholarship opportunities.

Click "File your FAFSA" to access fafsa.ed.gov
Click "Apply for Student Loans" for more information.
Click "SAP Policy" for more information on Satisfactory Academic Progress Policy.



At Calumet College of St. Joseph, we believe that student success is linked to college affordability. To that end the CCSJ Office of Financial Aid is committed to providing you with the financial aid package that will best help you finance your education. The cost of an education at Calumet College of St. Joseph is very modest compared to that of private colleges in our tri-state area. Nevertheless, we recognize that many students need financial support. In fact, approximately 90% of our traditional student body receives some form of financial aid and scholarship assistance. We encourage all students who need help in meeting their college expenses to apply for financial aid and scholarship opportunities. Students at Calumet College of St. Joseph can apply for federal and state grants, federal student loans, and work study opportunities to assist in meeting their college costs. In addition, the College will award over $3,200,000 in institutional grants and scholarships this year. While most awards are "need based"; a number of aid options are also available to students who show academic promise. In most cases, the aid package awarded is a combination of grants, scholarships, loans, and/or employment benefits. Staff in the Office of Financial Aid is committed to assisting in the completion of all required forms and to meeting financial need as fully as possible given constraints of program regulations and funding availability. The information provided below is designed to give you a breakdown of the many financial aid awards for which you might qualify. Please be aware that by filing the FAFSA (Free Application for Federal Student Aid) you will automatically be considered for all forms of federal, state and institutional aid. Endowed schorlarships require a seperate application and essay. Financial aid awards can be classified as either gift aid or self-help aid. Gift aid includes grants, which are usually based on financial need, and scholarships, which are normally based on merit. Gift aid does not need to be repaid. Self-help aid includes loans and work study. Loans need to be repaid, in most cases after the student has ceased college enrollment. Work study is a program that offeres jobs to financially needy students. The CCSJ Office of Financial Aid will provide you with the personal support necessary for you to complete the financial aid process. Our Financial Aid Staff Members will be happy to meet with you one on one at any point in the financial aid application process. Remember to file the FAFSA as soon after October 1st as possible for full consideration of all forms of financial aid. CCSJ’s priority filing deadline for the FAFSA is March 1.

Financial Aid Resources

Frequently Asked Questions


When we receive your FAFSA information, a CCSJ Financial Aid staff member will review your application to determine your eligibility for federal, state, and institutional aid. To calculate your financial aid need, your total expected family contribution (EFC) is deducted from your student budget/cost of attendance.
CCSJ no longer maintains paper FAFSA copies. We encourage all students to apply online through the FAFSA website: www.fafsa.ed.gov.
You must provide the income of the parent you lived with for the majority of the previous year (custodial parent). If your custodial parent is remarried, you must report your step-parent’s income and assets as well.
EFC, also known as “expected family contribution,” is a measure of how much the student and his or her family can be expected to contribute towards the cost of the student’s education. It is determined based on the information provided on the FAFSA and calculated from a specified formula in accordance with federal guidelines. If you have any questions on determining your EFC, you may use the College Cost Calculator.
Yes, if you would like to be considered for any form of state, federal or institutional financial aid, you must complete a FAFSA each year that you are enrolled at CCSJ.
Living on your own and supporting yourself does not make you Independent for FAFSA purposes. In order to file as an Independent student you must be able to answer yes to at least one of the following questions for the 2016 - 2017 school year:
  • Were you born before January 1, 1991?
  • Are you married as of the date you completed your FAFSA?
  • At the beginning of the 2016 - 2017 school year, will you be working on a master’s or doctorate program?
  • Are you currently serving on active duty in the U.S. Armed Forces for purposes other than training?
  • Are you a veteran of the U.S. Armed Forces?
  • Do you have children who will receive more than half of their support from you between July 1, 2016 and June 30, 2017?
  • Do you have dependents (other than your children or spouse) who live with you and who receive more than half of their support from you, now and through June 30, 2017?
  • At any time since you turned age 13, were both your parents deceased, were you in foster care or were you a dependent or ward of the court?
  • As determined by a court in your state of legal residence, are you or were you an emancipated minor?
  • As determined by a court in your state of legal residence, are you or were you in legal guardianship?
  • At any time on or after July 1, 2013, did your high school or school district homeless liaison determine that you were an unaccompanied youth who was homeless?
  • At any time on or after July 1, 2013, did the director of an emergency shelter or transitional housing program funded by the U.S. Department of Housing and Urban Development determine that you were an unaccompanied youth who was homeless?
  • At any time on or after July 1, 2013, did the director of a runaway or homeless youth basic center or transitional living program determine that you were an unaccompanied youth who was homeless or were self-supporting and at risk of being homeless?
Once you have been accepted to CCSJ and we have received your FAFSA, your eligibility for federal, state, and institutional aid will be determined. Within a week, you should receive a link to your online award letter via your CCSJ student email account. Requests for further documentation (such as Verification documentation) and additional instructions will also be sent to you. Your award letter and a list of any requested/missing documents can also be viewed via MyCCSJ if you are a current student.
The CCSJ Office of Financial Aid can take this into consideration and possibly make adjustments to your financial aid. You are encouraged to fill out a Special Circumstances Form for any special circumstances that have occurred with your family and submit it to our office with supporting documentation.
Verification is a process used by the federal government to document and verify the information provided on the FAFSA. If you are selected for verification, CCSJ will compare the information on your FAFSA with signed copies of your and your parent(s)’ and/or spouse's federal tax documentation and other documents. Federal law states we have the right to ask for this information before awarding federal aid. If there are differences between your FAFSA information and your financial documents, we will need to make corrections.
Final awards are ready to be disbursed to your student account.
Estimated awards are pending awards. Reasons for having estimated awards include but are not limited to: incomplete verification status; packaged loans for which you have not filled out loan paperwork; estimated work study eligibility; you have not registered for classes.
All awards, final and estimated are subject for revision based on eligibility and other financial aid.
There are many reasons as to why your financial aid may not be finalized. Some are listed below. If you have any questions as to why your financial aid is not finalized, contact the CCSJ Office of Financial Aid.
  • You have not completed a FAFSA.
  • You have not completed Verification. (When you are selected for verification, an email and a letter will be sent to you stating that you were selected for Verification and telling you the information required. You may also get the worksheet here.)
  • There are errors on your FAFSA. (You should have received a letter stating the errors and how to fix them. Contact the CCSJ Office of Financial Aid if you have any questions.)
  • You have not applied for a loan.
  • You have not registered for class.
A revised award letter is sent to you each time a change is made to your financial aid. Financial aid changes include adding, subtracting, increasing, or decreasing an award or multiple awards. Also, a change in award status: estimated to final, for example, will be reflected in a revised letter.
All refund balances due to students are provided by the third party vendor Heartland ECSI. In order to deliver funds in the most expedient manner, students must sign up for direct deposit by clicking HERE and using the login information emailed to them from Heartland ECSI. Students who do not sign up for direct deposit will be mailed a check from the vendor, which will take up to 10 business days. Be sure to keep your address on file current and complete.
If the student has any questions, please contact Heartland ECSI Customer Service at 1.844.760.6052 or cservice@ecsi.net. ECSI also offers online chat for an extra convenience: https://heartland.ecsi.net/index.main.html#/contactus
The Federal Work Study Program is a campus-based program with a limited allocation that provides paid jobs for eligible students. An estimated Federal Work Study award amount will be listed on your CCSJ financial aid award letter if you indicated interest in this program on the current year FAFSA and have demonstrated financial need. To apply please visit the CCSJ Office of Financial Aid.
If a student enrolled in a traditional program has finalized financial aid that is greater than his/her student balance for a given term, then the student is eligible for a book voucher. The book voucher is used to pay for books and required supplies from the CCSJ Bookstore. The total amount purchased at the bookstore is then applied to the student bill and deducted from the student's refund. Any remainder will be refunded to the student.
  • Subsidized Stafford Loan
    Federally based loan program with eligibility determined based on cost of attendance, year in school, dependency status, and need. Interest is paid by the federal government while the student is in attendance taking at least 6 credit hours. Repayment begins 6 months after the student stops attending school at least half time, graduates, or ceases enrollment.
  • Unsubsidized Stafford Loan
    Federally based loan program with eligibility NOT tied to need. Maximum eligibility is set by the federal government based on cost of attendance, year in school, and dependency status. Interest payments are the responsibility of the student as soon as the funds are disbursed, but may be deferred until repayment begins. Repayment begins six months after the student stops attending school at least half time, graduates, or ceases enrollment.
In general, you will need to fill out a loan application each year after completing the FASFA and receiving your award letter. Depending on the term you select on your loan application, and your financial aid package, you may have to complete a new loan application each smester.
No, but you are encouraged to meet with a financial aid staff member at least initially to understand the financial aid process and address any questions you may have. CCSJ accepts student visitors on a walk in basis.

Other Information


  • Announcements
  • Vision Statement
  • What's FAFSA?
  • Cost Comparisons
  • Forms
  • Meet the Staff

Free Tuition for High Need Students Who Qualify!

CCSJ now offers a free tuition grant to high need students who qualify for the 2017-2018 school year.

  • Must be a student enrolled in one of CCSJ’s traditional, undergraduate programs (students enrolled in graduate programs or accelerated programs do not qualify)
  • Student must have a Zero EFC as processed on the 2017-2018 FAFSA
  • Student must receive full Pell and full State of Indiana aid for the 2017-2018 year
  • Student must complete a 2017-2018 FAFSA (www.fafsa.gov) and list the CCSJ school code: 001834
  • Grant will assist up to the cost of tuition after all other forms of financial aid have been applied
  • Available to both full-time and part-time students

Contact the Office of Financial Aid now to see if you qualify and to find out if your tuition may be covered!


Notice of Electronic Notifications/Communication

It is the policy of the Office of Financial Aid to notify and communicate with students strictly via electronic means. Students will receive email notifications to their CCSJ email for all updated award letters, missing document items, and any important messages from the Office of Financial Aid. Therefore it is extremely important that students check their CCSJ email account and their Student Online Services Account on a daily basis.


New Federal Time Limitation on Direct Subsidized Loans for First-Time Borrowers effective July 1, 2013!

Review information on the new limit on the maximum period of time a student can receive Direct Subsidized Loans HERE!


2016-2017 Financial Aid Award Letters

As normal, students will receive an email to their CCSJ email account informing them of when their award letter is available for review (new applicants who have not yet registered will receive their email via the email listed on their application for admissions). Students will then be able to access their MyCCSJ Account to view their award letter. Email notices will be sent every Wednesday and Friday afternoon as usual, and student financial aid award packaging will be completed in the order in which they were completed and processed by FAFSA. Therefore, most students will receive their email notification for their award letter on Wednesday or Friday afternoon the week of March 25 or April 1.


Attention 2017 CCSJ Graduates!

All Direct Loan borrowers are required to complete Direct Loan Exit Counseling. Complete the Direct Loan Exit Counseling HERE!
Please see the Office of Financial Aid for more details.

Mission Statement

The Financial Aid Office at Calumet College of St Joseph’s is here to minimize financial barriers that relate to educational expenses for all students by providing excellent customer service in all areas of financial aid for the purpose of supporting student enrollment, retention, and program completion, while striving to help students in their pursuit of higher education.


Vision Statement

To provide first-class quality customer service that consistently exceeds the expectations of students and parents in their pursuit of a higher education. We want to ensure that finances do not prevent students from earning their degree. We will do this by educating students and parents about financial aid opportunities, while clarifying the financial aid process and regulatory guidelines we have to follow. We will strive to offer clear, consistent, and timely communication to students and parents through quality customer service, while utilizing all federal, state, and institutional aid opportunities available.

What Does FAFSA Stand For?

The Free Application for Federal Student Aid (FAFSA). And yes, the free FAFSA is the version you should be looking for, you will find some websites that charge for it.


Why You Should Fill Out the FAFSA Form?

The FAFSA is the form that determines most of the aid you’re eligible to receive as a student. The federal government alone doles out nearly $170 billion in student aid each year and they decide who gets how much of that money based on the information included in your FAFSA form. And that’s just one part of the student aid pie the FAFSA form helps you cut into, most states use the FAFSA application to determine eligibility for state aid, and most colleges also use the form to determine how much private aid to provide to prospective students.
In case it’s not clear, this all means that if you’re thinking about going to college next year, you should definitely submit the FAFSA application.


Even if I’m not a high school graduate?

Yes, definitely. Non-traditional students also receive aid from filling out the FAFSA form.


Even if I’m interested in career school, graduate school, or applying for online degree programs, rather than a typical college?

Yes, definitely. The FAFSA determines aid for all those situations as well.


Even if I think my family makes too much to qualify?

Yes, definitely. Your level of FAFSA eligibility could surprise you. You should definitely see if you qualify for aid now and, since you don’t know how your financial situation might change in the next 4-6 years, not applying now could hurt your chances of receiving aid throughout your time in college.


Even if I already have someone paying for my education?

Yes, definitely.


Even if [insert any other possible objection here]?

Yes, definitely. Submitting the FAFSA is free*, it only takes about 30 minutes to complete, and it could save you thousands. There’s no good reason not to take advantage of it.
*And don’t be confused, it really is free. It’s right there in the name. If you find yourself on a website charging money to complete the FAFSA (and there are some out there), switch over to https://fafsa.ed.gov/.


Am I Eligible to Complete a FAFSA?

Probably, most students are. If you can check off these boxes, you should definitely fill out a FAFSA.

  • I’m a U.S. citizen, a U.S. national, or an eligible non-citizen.
  • I have a social security number.
  • I have a high school diploma or GED.
  • I don’t currently owe refunds on federal student debts.
  • I’m not in default on any student loans.
  • I haven’t been found guilty of either selling or possessing illegal drugs while receiving federal student aid.
  • I am either not a male aged 18-25, or I am registered with U.S. selective service.

In addition, these types of students are also eligible:

  • I have an unusual immigrant status
  • I have a non-traditional family
  • I don’t depend on one or both parents

What are the Benefits of Completing a FAFSA Application?

By filling out the FAFSA you gain potential access to three types of aid:

  • Grants – Aid that you don’t have to pay back, including Pell grants.
  • Loans – Money that you will have to pay back, plus interest. The interest rates for FAFSA loans will often be lower than for other types of debt, but many students still end up paying back double what they borrow by the time they pay it off, so be cautious with how much of this type of aid you accept.
  • Work Study – The federal work-study program encourages students to find jobs either on campus or in fields related to their studies in order to earn part of their aid package. It’s not free money like grants since you work for it, but you don’t have to pay any of it back.

Types of Federal Grants Available at CCSJ

  • Federal Pell Grants – Pell grants are need-based grants determined based on the family’s financial situation, the cost of attendance at the school chosen, and the student’s status (full-time or part-time). Pell grants are most often awarded to undergraduate students.
  • Federal Supplemental Educational Opportunity Grants (FSEOG) – Awarded to undergraduate students with significant need, these grants are funded by the federal government and distributed by the school.
  • Iraq and Afghanistan Service Grant – For students that have lost a parent in military service, this grant can replace the Pell Grant for families not otherwise eligible for it.

How Does the FAFSA Work?

The FAFSA is designed to help even the playing field and give anyone interested in attending college a financial chance to do so. The forms are reviewed by officials in the U.S. Department of Education who analyze all the financial information you provide and use it to calculate your expected family contribution (EFC).
The FAFSA EFC is what the government and colleges, based on their somewhat complicated calculations, determine that your family can afford to pay out-of-pocket for college each year. This is a very important number.
The federal and state governments will use the FAFSA EFC and any other relevant information you provide to figure out what government grants you qualify for, and then they’ll pass the information along to the colleges you’ve listed on the form.
Each college then has the opportunity to put together an awards package for you. The gap between the overall costs of attending the school (which include tuition, room, and board) and your EFC is the amount your award package seeks to fill in. Some schools require additional forms beyond the FAFSA (like the CSS Profile) to figure out their awards packages, but most of the colleges in the nation use the FAFSA.
The amount each school provides you in its award package isn’t just about the FAFSA EFC, it’s also influenced by how much they want you to attend and how much money they have to give. In other words, don’t discount the prestigious colleges due to cost. They’re often the ones with the most money to spend on attracting the students they want. If you’re a good student, you may ultimately find it cheaper to attend a private college like CCSJ than your local state school.

Comparing costs

When choosing a college it is important to consider all the costs and how much financial aid you may receive. The table below compares average tuition and fee costs and approximate financial aid.

Fall and Spring Semesters
Four-Year Private College 2014-2015
Calumet College of St. Joseph 2014-2015
Tuition and Fees $31,231* $16,440
Sample Offer of Grants/Scholarships $17,680* $11,453**
Uncovered Tuition and Fees $13,551 $4,987

*Figures from www.collegeboard.org

**Includes financial aid from all sources

When considering a college you should also consider the costs for living expenses, personal expenses, books, and transportation. For more information on these costs at CCSJ go to our Tuition and Fees page.

2016 - 17 Forms

Download PDF              Affidavit of Self Support

Download PDF              Special Circumstances

Download PDF              Dependent V1 Verification Form

Download PDF              Independent V1 Verification Form

Download PDF               Dependent V4 Verification Form

Download PDF               Independent V4 Verification Form

Download PDF              Dependent V5 Verification Form

Download PDF               Independent V5 Verification Form

Download PDF               Parent Plus Loan Application



Loan Change Forms

Download PDF              Request to Change Parent Plus Loan Funds Form

Download PDF              Request to Change Stafford Student Loan Funds Form



Other Forms

Download PDF              Consent Form to Submit Changes

Download PDF              FERPA Consent Form

Download PDF              Consortium Agreement

Download PDF              Form I-9

Download PDF              Form W-4

Gina Pirtle
Gina Pirtle

Director of Business Office and Financial Aid Operations
Room 103
(219) 473-4379
gpirtle@ccsj.edu

Gina came to the Calumet College in 2002 as the Accounts Payable Clerk and transitioned to the Office of Financial Aid initially as a Specialist. She was then promoted as a Counselor and as Assistant Director before moving to the Business Office as the Bursar. She is currently the Director of Financial Aid and Business Office Operations. Gina received her BS in Organization Management from CCSJ and completed her MBA with a concentration in Accounting at Indiana Wesleyan. Gina and her family resides in Merrillville.



Michelle Concepcion
Michelle Concepcion

Financial Aid Counselor
Room 106
(219) 473-4387
mconcepcion@ccsj.edu

Michelle comes to CCSJ from Keiser University in Miami, FL where she was a Financial Aid Officer for 3 years. Michelle earned her BS in Psychology and a MA in Education from Carlos Albuiz University in Florida where she was also a Financial Aid Officer for 5 years. Michelle's warm spirit along with her fluency in Spanish makes her a perfect fit for the University. Michelle and her family currently resides in Portage.



Adrienne Dixon
Adrienne Dixon

Financial Aid Counselor
Room 105
(219) 473-4314
adixon@ccsj.edu





Terri Wilson
Terri Wilson

Financial Aid Specialist
Room 120
(219) 473-4279
twilson@ccsj.edu


Office of Financial Aid



  • Room 120


  • (219) 473-4296


  • finaid@ccsj.edu
    FAX: (219) 473-4340



  • Hours
    Monday & Thursday:
    9:00 A.M. - 4:00 P.M.

    Tuesday & Wednesday:
    9:00 A.M. - 6:30 P.M.

    Friday:
    9:00 A.M. - Noon