The College of Coastal Georgia's Office of Financial Aid is here to provide the student with the tools you need to be successful in paying for college. Early planning and action on the student's part makes this process seamless and easy to navigate. Our goal is to meet the needs of the students in a timely, efficient and equitable manner, while also empowering the student with tools to be successful.

Approximately 80% of the students at the College of Coastal Georgia receive some type of institutional, state, federal or private aid. The majority of these awards are need based, which is determined by completing the Free Application for Federal Student Aid otherwise known as the FAFSA.

Our office is always ready and willing to assist all students, parents, guardians and visitors with questions. Please visit our office located on the first floor of the Andrews Center. You may also call 912-279-5722 or email the office at



Aid which does not have to be repaid.

Pell Grants

Citizens of the United States and eligible non-citizens who enroll in an eligible course of study and who do not have a Bachelor's degree are eligible to apply for a Pell Grant. The grant amount will vary from year to year in proportion to the student's financial contribution. Students must reapply for financial aid each academic year by completing a Free Application for Federal Student Aid (FAFSA) found online.

(The Title IV code needed to complete Section H of the FAFSA is 001558.)

Federal Supplemental Educational Opportunity Grants (FSEOG)

College of Coastal Georgia administers direct gift awards under the FSEOG to students who have proven exceptional financial need. The amount a student is eligible to receive depends upon personal need and availability of funds. Awards are generally for $600 per year.


Aid which must be repaid.

Federal Direct Loan Program: Direct Loans are low-interest loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education rather than a bank or other financial institution.

PLUS loans are loans that parents can take on behalf of their dependent child. Once again, the lender is the U.S. Department of Education rather than a bank or other financial institution.


College of Coastal Georgia offers a great number of scholarships through the College of Coastal Georgia Foundation and other outside sources. Scholarship recipients must be enrolled based on the guidelines of the specific scholarship and maintain the grade point average specified. Applications and requirements are available and on the CCGA website.


The cost of an education at College of Coastal Georgia (CCGA) is a great value and financial aid only makes CCGA more affordable. In-state tuition and fees are among the lowest in the southeast and the cost for out-of-state students is inexpensive as well. Over 80% of our students receive some form of financial aid and in 2013-2014 CCGA disbursed over $19 million in financial aid.

In addition to being one of the best values in Georgia's University System, College of Coastal Georgia also offers a wide array of scholarships provided by various civic clubs, organizations, businesses, industries, and individuals. Incoming students can now apply for over 40 College of Coastal Foundation scholarships with just one application. On-campus federal work study is available for those who qualify.

The Office of Financial Aid & Veteran's Affairs is dedicated to helping students and families apply for and obtaining the financial aid necessary to pursue their educational goals. This information is designed to help you in this process and we hope that you will find it useful and informative. We continuously update the content of our website with new and/or updated information and we encourage you to reference it often to stay up to date on new developments, deadlines, and requirements.

The Office of Financial Aid & Veteran's Affairs is located in the lobby of the Andrews Center. If one on one appointments are needed, please contact our office to set up an appointment with your financial aid counselor. We may be contacted by phone at 912.279.5722 or by email at

What Types of Financial Aid are Available?

HOPE & Dreams Foundation Scholarship

Foundation Scholarships


HOPE Scholarship

Outside Scholarships




HOPE (Helping Outstanding Pupils Educationally) Scholarships

HOPE is Georgia's scholarship program that is funded by the Georgia Lottery for Education. It is a reward for scholastic achievement and an incentive to continue working hard in school. The program rewards exemplary performance in high school with tuition scholarships at Georgia public and private colleges and technical schools. HOPE will pay for 90% of the 2010-2011 tuition rate. Full-time enrollment is not required. Students may renew the scholarship each academic year, provided they do the following:

  • Maintain a 3.0 cumulative grade point average (GPA) for all course work attempted (not just course work completed).
  • Complete a FAFSA each year
  • Meet standards for Satisfactory Academic Progress.

For additional information on the HOPE Scholarship Program and eligibility requirements, please visit or call 1-800-505-GSFC.

Other Scholarships: A number of scholarships established by various civic clubs, organizations, businesses, industries, and individuals are also available. Students may find outside resources for scholarships at


Federal College Work-Study Program: This federal program is designed to provide students the chance to pay part of their educational expenses by working at a part-time job. To be employed under this program, the student must attend a mandatory orientation, show evidence of financial need each semester, and maintain good academic standing while employed under this program. Hourly wage is $7.25 (subject to change).

Student Assistant Program: This program, sponsored entirely by the College of Coastal Georgia, employs students on a part-time basis. Financial need is not a major determinant, although it is not entirely disregarded.


Students who have fees paid by the Georgia Department of Human Resources, Division of Vocational Rehabilitation, must request that the Registrar's Office send copies of their grades to the Vocational Rehabilitation Office each semester. The College Bursar's Office must review written authorization from the Vocational Rehabilitation Office prior to the student's registration each semester.


The College of Coastal Georgia has been approved by the State Department of Veterans' Services, under existing public laws, to accept and certify students eligible for Veterans' benefits. Eligible Veterans, widows, and war orphans should make application for Veterans' benefits with the Veterans' Affairs counselor located in the Office of Veterans' Affairs in the Financial Aid Office.

Individuals applying for Veterans' benefits must meet all admissions requirements. No benefits can be received until the student's eligibility has been certified by the Veteran Affairs Certifying Official. Certification of enrollment may be approved only for a program leading to an educational, professional, or vocational objective for which the applicant is not already qualified. (Exception: Students may be permitted to take certain remedial or refresher courses commensurate with the college requirements or needs in their degree areas of study.) All students who need this type of training may have prior counseling by the college staff or the Regional Veterans' Administration.

At the beginning of EACH semester, any student/veteran who is receiving Veterans' benefits must file with the Veteran Affairs Certifying Official a form showing the number of credit hours which he/she is attempting to complete. If any changes are made at any time during the semester in the number of credit hours carried, this information must also be submitted to the Veterans Affairs Certifying Official. Failure to provide the necessary data concerning credit load carried may result in exclusion from the college or in an immediate cancellation of all benefits.

Students must be prepared to pay all costs when due even though the financial benefits from the Veterans' Administration have not been received. (Under normal circumstances this takes 30 to 45 days.) The college has no established credit policy. Students may not attend classes until all costs have been paid.



As a Financial Aid recipient, it is your responsibility to know the following rules and regulations:

  1. As a CCGA student you must check your CCGA email account on a regular basis, as that is the college's primary mode of communication to our students.
  2. An applicant for financial aid must be enrolled before financial aid awards can be disbursed.
  3. Students receiving financial aid are required to declare the program of study that they are pursuing.
  4. For students whose financial aid has been approved, their tuition and fees will be deducted each semester after verification of attendance from the instructor has been applied.
  5. Bookstore credits are only available to students that have a completed financial aid file, have registered for classes, have no holds on their accounts and have financial aid available in excess of tuition and fees, up to $800.00.
  6. Students receiving financial aid who withdraw from school during the semester may owe the college, the state and/or the Department of Education.
  7. Students must reapply for financial aid each academic year.
  8. Any student in default on federal or state loans or having an outstanding financial commitment to any federal or state program will not be considered for financial aid at the College of Coastal Georgia.
  9. All degree-level hours attempted, including grades of W, are counted in the College's Satisfactory Academic Progress (SAP) policy.
  10. Students cannot be enrolled in and receive federal financial aid from two different institutions at the same time.
  11. Students who take Remedial/Learning Support courses will be eligible for assistance for a total of 30 hours that are not counted towards their attempted hours.
  12. Financial Aid will not pay for classes a student audits, CLEPs, or completes by Departmental Exam.
  13. Financial aid students who previously attended the College of Coastal Georgia may be denied financial aid for failure to maintain satisfactory progress based on previously attempted course work, regardless of whether they received financial aid for that enrollment. Academic forgiveness and/or a hardship withdrawal will not affect financial aid eligibility.
  14. The College of Coastal Georgia complies with all Federal legislation and does not discriminate on the basis of age, color, gender, sexual orientation, religion, national or ethnic origin, disability, or status as a disabled or Vietnam Era veteran.


  1. All students, regardless of income, must complete a Free Application for Federal Student Aid (FAFSA) before a direct loan application can be processed (including PLUS loans).
  2. Loan applications must be completed before the last day of classes. No loan can be originated for students who are no longer actively enrolled in 6 or more credit hours.
  3. All students must have completed Direct Loan Counseling and have signed a Master Promissory Note on file with the Department of Education at Any student who does not complete loan counseling will not receive his/her loan.
  4. First-time borrowers at the College of Coastal Georgia must be enrolled for 30 days before loan funds can be released. Otherwise, loan funds can be disbursed within 14 days of receipt by the institution.
  5. Students receiving loans must maintain satisfactory academic progress.
  6. Students must be enrolled for at least six (6) hours full semester or first semester to receive loan funds during that period.
  7. The Financial Aid Office may refuse to certify a Federal Stafford loan application or may reduce the borrower determination of need for the loan. This determination is made on a case-by-case basis.
  8. Students have the prerogative to cancel a loan at any time.
  9. One-semester loans will be split into two disbursements. The second disbursement will take place after mid-term.
  10. All future loan disbursements are cancelled for students whose enrollment drops below half-time.
  11. Student loan amounts may be reduced based on other types of aid a student receives.


College work-study students may work up to 19 hours per week, depending on their award. These funds must be earned. Students must arrange their employment schedule with their assigned supervisors.


General Eligibility Requirements for All Recipients of HOPE Funds

  1. Meet one of the following academic requirements:
  • Graduate from a HOPE-eligible high school with a 3.0 grade point average.
  • Complete a HOPE eligible home study program with a 3.0 grade point average.
  • Graduate from an ineligible high school, complete an ineligible home study program, or earn a GED, and score in the national composite 85th percentile or higher on the SAT or ACT tests.
  • Graduate from an ineligible high school or complete an ineligible home study program, and then earn a 3.0 grade point average on 30 semester hours or 45 quarter hours of college degree-level coursework. This option allows for payment of the first 30 semester hours or 45 quarter hours after they are taken.
  • Earn a 3.0 grade point average at the college level on degree coursework after attempting 30, 60, or 90 semesters hours or 45, 90, or 135 quarter hours, regardless of high school graduation status.
  1. Be enrolled as a degree-seeking student at an eligible public or private college or university or technical college in Georgia.
  2. Meet HOPE's Georgia residency requirements.
  3. Meet HOPE's U.S. citizenship or eligible non-citizen requirements.
  4. Be in compliance with Selective Service registration requirements.
  5. Be in compliance with the Georgia Drug-Free Postsecondary Education Act of 1990. A student may be ineligible for HOPE payment if he or she has been convicted for committing certain felony offenses involving marijuana, controlled substances, or dangerous drugs.
  6. Not be in default or owe a refund on a student financial aid program.
  7. Maintain satisfactory academic progress as defined by the college.
  8. Complete a Free Application for Federal Student Aid (FAFSA) annually.
  9. Beginning with Fall term 2011, a student who has not received HOPE Scholarship payment prior to Summer term 2011, and meets all other eligibility requirements for HOPE Scholarship, may receive the HOPE Scholarship until seven years after his or her high school graduation date, GED test date, Home Study program completion date or date the student stopped pursuing a diploma.

(For more details, visit

Specific Eligibility Requirements for Entering Freshmen Enrolling in Degree Programs

  1. Must be a 1993 or later graduate of an eligible Georgia high school.
  2. Must have met curriculum requirements and earned at least a B average (a 3.0 cumulative GPA on a 4.0 scale in a college preparatory track, 3.2 for all other curriculum tracks). NOTE: Students who graduate from high school in the year 2000 and thereafter will be required to earn a B average in their core-curriculum subjects.
  3. Eligible students may receive the scholarship for up to 127 credit hours, provided they make satisfactory progress and have a 3.0 cumulative GPA in the semester that they are attempting to complete their 30th, 60th and 90th hours and at the end of every spring semester.

Second-chance Opportunity for Students to Regain HOPE

If, after attempting 30 hours at a public college, a student's cumulative GPA falls below a 3.0, the student may continue the sophomore year at his/her own expense. If a student raises his/her cumulative GPA to a 3.0 or higher at the end of the sophomore year (after 60 hours attempted), he/she will be given another chance to receive a HOPE scholarship for the junior year (after 90 hours attempted) and the opportunity to renew the scholarship for the senior year. In order to receive HOPE for the student's senior year, he/she must have a cumulative GPA of 3.0 or higher at his/her 90th hour and meet standards of satisfactory academic progress. Students can only regain HOPE once.

HOPE for Students Already in Public College or Returning to Public College

Students not academically eligible for a HOPE scholarship immediately after high school graduation, may be eligible for a HOPE scholarship if, after attempting their 30th, 60th or 90th hour of study in a degree program, they have a cumulative GPA of 3.0 or higher. Hours attempted in a certificate program which do not transfer into a degree program will NOT meet this requirement. HOPE eligibility expires seven years after a student graduates from high school.

HOPE Scholarship Award Limits

A college degree-seeking student becomes ineligible for the HOPE scholarship once the student has:

  • Received payment from any combination of HOPE Scholarship, HOPE Grant, and Accel Program funds totaling 127 semester hours of credit; (Please see updated


  • Attempted 127 semester hours of college degree credit, regardless of whether HOPE funds were received while attempting the hours;


  • Earned a baccalaureate (four-year) college degree, regardless of whether HOPE funds were received while earning the degree.

HOPE for GED Recipients at a Georgia postsecondary Institution

Legal residents of Georgia who earned a General Education Development (high school equivalency) diploma awarded by the Technical College System of Georgia after June 30, 1993 may receive a one-time $500 HOPE award. This award can be used toward tuition, books, and other educational costs at an eligible public technical college or institute or public or private college or university in a degree, diploma, or certificate program.

Full-time enrollment is not required. Students must use their HOPE eligibility within 24 months of the date of the GED diploma. Military personnel have 52 months to exercise eligibility.

In addition to the $500 award, GED recipients may also qualify for assistance through other components of HOPE.

Institutional Credit Only Classes

Any classes taken for institutional credit only, including Learning Support classes, are not used to calculate a student's GPA and are not considered as credit hours attempted in determining either quantitative or qualitative satisfactory progress. Hours in excess of the 30-hour maximum are used in determining whether a student is making satisfactory academic progress, however, if a student withdraws from a learning support class with a grade of W, which class WILL count in calculating quantitative progress.

Grade Changes

Students who receive grades of I (Incomplete) must notify the Financial Aid Office within 30 days of the grade change (from I to A, B, C, D, or F). If the grade change makes the student eligible for HOPE, the student may be awarded HOPE funds retroactively for the current aid year. In the event the grade change makes the student ineligible for HOPE, the student must repay all HOPE funds received since the Incomplete (I) was given, including awards from a previous academic year.

Audit/CLEP Classes

Audit, CLEP courses, and Departmental Exams are not used in determining full-time or part-time enrollment status, nor will they be considered in determining eligibility for financial aid.


Academic Requirements for Receiving Financial Aid

The Higher Education Act of 1965, as amended by Program Integrity regulations passed on October 29, 2010, mandates institutions of higher education to establish a standard of satisfactory academic progress for students who receive financial aid. This standard must apply to the student's entire academic history, whether Title IV financial aid was received or not. In order to remain eligible to receive aid at College of Coastal Georgia, students must meet the standards specified for acceptable academic performance and for satisfactory progress toward the completion of their program of study. The standards are established within the framework of applicable federal regulations specifically for the purpose of determining the eligibility of students to receive aid under the generally funded Title IV programs, including Federal Pell Grant, Federal Supplemental Education Opportunity Grant, Federal Work-Study, Georgia's HOPE Scholarship, and Federal Direct Loan Programs (Stafford and PLUS). These standards should not be confused with Good Standing, Academic Warning, Academic Probation, and Academic Suspension as defined by College of Coastal Georgia's academic policies.

The College of Coastal Georgia definition of Satisfactory Academic Progress (SAP) for receiving financial aid includes the following components:

  1. Qualitative (GPA) Standards

College of Coastal Georgia uses the 4.0 grade point average and numerical code:

4.0 = A 1.0 = D

3.0 = B 0.0 = F

2.0 = C 0.0 = WF

All students are required to maintain an overall cumulative grade point average (GPA) of 2.00 for every term enrolled. Since financial aid GPA calculations include all college-level hours attempted at CCGA (excluding the first 20 hours of Learning Support classes) and all college-level transfer work, it may differ from your academic GPA.

II. Quantitative (Incremental Progress) Standards

Students are expected to successfully complete 67% of all attempted coursework. This cumulative calculation includes all college-level CCGA and any college-level transfer work attempted. Attempted hours and successful completed hours are based on all courses included on the students' official academic history. Further, all attempts of repeated coursework and non-credit coursework are included (except for the first 20 hours of Learning Support classes). The formula of this calculation is:

Cumulative hours successfully completed (earned hours)= % Completed
Cumulative hours attempted (attempted hours)

Grades of A, B, C, D, S, P, K, and CR count as the successful completion of a course. The grades of F, W, WF, I, U, NR, and IP do not count as the successful completion of a course.

Quantitative Standards Example
CourseCredit HoursGrade
ECON 21063B
ENGL 11013F
MATH 11113W
PSYC 11013A
Semester Completion Rate 50% (6 credits earned divided by 12 hours attempted. This student is not making SAP.

III. Maximum Time Frame Standards

Students will have a maximum of 150% of the program to complete their degree requirements while continuing to qualify for federal and state aid. The maximum time frame allowed will consist of all attempted hours inclusive of hours described in the Quantitative Standards section of this policy. Students who have Learning Support classes will have 20 hours excluded for the maximum time frame standard calculation.

To be classified as a Bachelor Degree Student, a student must be fully admitted to a program (i.e. pre-Business, pre-Education, or pre-Nursing students are not considered to be fully admitted to a baccalaureate degree program).

NOTE: The first 20 hours of Learning Support classes is exempted from all Satisfactory Academic Progress calculations. Additionally, students should be careful in repeating courses as all attempts at a course are counted in the maximum hours allowed to obtain a degree. Students are also reminded that withdrawing from a course does not count as a successful completion and does not count toward the required 67% completion rate. Incompletes also do not count as the successful completion of a course and excessive incompletes can result in the termination of financial aid.

Students who have a Bachelor's Degree and are seeking another degree must complete an Appeal form as well as a Certificate of Remaining Hours before financial aid eligibility can be determined.

Review Process

At the end of each academic term (Fall, Spring and Summer semesters), the Financial Aid Office staff will determine whether students are meeting the minimum standards for each of the components (qualitative, quantitative, and time frame). Students not meeting the Time Frame standard will immediately, without a Warning Semester, become ineligible for all federal and state aid programs. The Financial Aid Office has the authority to cancel aid and request immediate repayment of federal and state aid programs at any time that a student is deemed ineligible. This may occur when access to the student's academic history is not fully available due to the short amount of time between semesters as well as receipt of final transcripts from transfer institutions.

Warning Semester

Students who are not meeting the Qualitative and/or Quantitative standards at the end of a term are automatically given one (1) Warning semester. During the Warning semester, students are allowed to receive federal and state aid. Students must be fully in compliance with all components by the end of the Warning semester to regain eligibility and receive funds for future semesters. Only two (2) Warning semesters are allowed for a student's entire degree program at CCGA. Furthermore, the Warning semester allowance is not applicable to the Time Frame standard. All students on Financial Aid SAP Warning will be notified by campus email and must sign an acknowledgment form before aid will disburse for the next semester.

Denial/Loss of Eligibility (Financial Aid Suspension)

Students who are not meeting the minimum Qualitative and/or Quantitative standards at the end of a term review AND have received aid during a Warning semester will lose their eligibility for the upcoming and future terms. Students who are not meeting the maximum Time Frame standard at the end of a term review will immediately, without a Warning semester, become ineligible for aid.

Students will be notified by campus email. Students may receive consideration for aid reinstatement at the time they have satisfied all deficiencies with the Qualitative and/or Quantitative standards.

Appeal Process (Financial Aid Probation)

Students who experienced extenuating circumstances that attributed to their inability to meet the minimum standards have the option to submit an Appeal of Financial Aid Suspension. An extenuating circumstance must be due to situations beyond their control such as serious injury, illness or mental health condition involving the student or their immediate family, or death of an immediate family member. The appeal should be submitted to the Office of Financial Aid & Veterans Affairs and must include a description of the situation WITH accompanying documentation as well as a summary of what has changed that will allow them to meet the minimum standards at the next evaluation. Note: Students who leave College of Coastal Georgia and are not making Satisfactory Academic Progress will continue to be not making Satisfactory Academic Progress until either they appeal to have their aid reinstated or pay for their classes out of pocket to get back into good standing.

The Financial Aid Appeals Committee will review the appeal to determine whether the suspension of their aid will be lifted. Students who have been out of school for at least five years will be required to appeal and annotate on the appeal form if they fall within this category. Written notification of the Committee’s decision will be emailed to the student’s CCGA email address. Students whose appeal is approved must sign an academic plan before aid will be disbursed for the next semester.

Students with granted appeals and/or academic plans are placed on Financial Aid Probation. Appeals approved will require that the student be in compliance with all standards by the next evaluation (term). In some instances, an academic plan designed to ensure compliance with the standards at a specific point in time may be utilized. Students will lose eligibility for aid if they violate the terms of the academic plan.


HOPE Scholarship Recipients

Students receiving HOPE funds must meet standards for satisfactory academic progress at the end of each semester. In addition, they must meet specific HOPE eligibility standards at the 30th, 60th, 90th hour and at the end of each spring semester. All hours attempted (including Learning Support classes taken prior to Fall 2011) and all grades received are considered in those calculations. If a student's GPA at a certain checkpoint is below the minimum requirement due to an I (Incomplete), the student is ineligible for HOPE until the grade is changed.

Transfer Students

For transfer students, transfer credit hours that are accepted at the College of Coastal Georgia are counted toward the quantitative and qualitative measures. For transfer students who are HOPE scholarship recipients, all courses attempted and all grades received, including those from transfer institutions, are used to determine HOPE eligibility. Transfer students must meet CCGA’s Satisfactory Academic Progress Policy before HOPE eligibility can be verified.

Academic Suspension

A student returning from Academic Suspension is not eligible for financial aid until their academic standing improves to Academic Probation, Academic Warning, or Good Standing. After the completion of one semester, the Registrar's Office will reevaluate the student's academic standing. Once the student's academic standing is upgraded from suspension, the student may file a Satisfactory Academic Progress appeal, if they meet the requirements established by the Satisfactory Academic Progress policy.


Financial aid applicants or recipients will be declared ineligible for financial aid for any of the following reasons:

  • Defaulting on a student aid loan received while in attendance at any post-secondary educational institution.
  • Failing to repay a federal or state grant overpayment.
  • Failing to meet standards for satisfactory academic progress.
  • Having already attempted in excess of 150% of the hours needed to complete one's program of study.
  • Having reached aggregate loan limits.
  • Having used at least 600% of the Pell Lifetime Usage.

Students declared ineligible for financial aid because of violation of any of the conditions may request a status clarification from their Financial Aid Counselor.


Students may appeal their ineligible status for financial aid by indicating in writing, with supporting documentation to the Financial Aid Office the following:

  • Reasons why he/she did not achieve the minimum academic requirement. Unusual circumstances such as an extended illness or death in the immediate family may be considered, and
  • How the problems which resulted in the deficiency have been resolved.

The Appeals Committee will review the appeal, and the student will be advised of the decision via the student's CCGA email account or in person.


Students who have defaulted on a loan or who have failed to repay a grant overpayment must provide the Financial Aid Officer with documentation to indicate these matters have been satisfied with the respective agencies.

Students who have been declared ineligible for financial aid because they failed to meet standards for satisfactory academic progress must successfully complete the appropriate amount of course work at their own expense to bring them into compliance. They may then appeal for reinstatement to the Financial Aid program.


For more information regarding CCGA Scholarships, contact the Financial Aid Office at (912) 279-5722.

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