{"id":51,"date":"2014-08-12T15:25:06","date_gmt":"2014-08-12T15:25:06","guid":{"rendered":"http:\/\/www.eastcentral.edu\/finaid\/?page_id=51"},"modified":"2026-06-15T21:49:44","modified_gmt":"2026-06-15T21:49:44","slug":"federal-resources","status":"publish","type":"page","link":"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/","title":{"rendered":"Federal Resources"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Priority Deadlines<\/strong>: Students who submit their Financial Aid Application (FAFSA) and requested documentation on or before the following priority deadlines, and are eligible to receive benefits, will be held in classes. All documents must be received by the financial aid office no later than:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fall: July 1<\/li>\n\n\n\n<li>Spring: December 1<\/li>\n\n\n\n<li>Summer: May 1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">After Priority Deadlines: Students who submit their Financial Aid Application (FAFSA) after the above priority deadlines should set up a payment plan by logging into your MyÂ鶹Éç account and selecting&nbsp;<strong>Student Finance &gt; Account Activity<\/strong>&nbsp;to insure that their classes will not be canceled on the day fees are due. Students should allow 4\u20136 weeks for the processing of financial aid applications.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For the 2026-2027 academic year, degree-seeking students enrolled full-time can receive a Pell Grant award ranging from $750\u2013$7395 depending on their SAI.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Types of Federal Resources Available<\/h2>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion  root-eb-accordion-hzfae\"><div class=\"eb-parent-wrapper eb-parent-eb-accordion-hzfae \"><div class=\"eb-accordion-container eb-accordion-hzfae\" data-accordion-type=\"accordion\" data-tab-icon=\"fas fa-angle-right\" data-expanded-icon=\"fas fa-angle-down\" data-transition-duration=\"500\"><div class=\"eb-accordion-inner\">\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-tqej3 eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-hzfae\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-hzfae\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-hzfae\"><h3 class=\"eb-accordion-title\">Federal Grants<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-hzfae\"><div class=\"eb-accordion-content\">\n<ul class=\"wp-block-list\">\n<li><strong>The Federal Pell Grant program<\/strong>&nbsp;provides eligible students with a foundation of financial aid to help defray the cost of post-secondary education. The amount of the grant varies depending upon the need of the student, the cost of education, and the availability of funds. Any person who is a U.S. citizen or permanent resident, enrolled as an undergraduate student, and working toward the first baccalaureate degree is eligible to apply for a Federal Pell Grant.&nbsp; Funds can be exhausted during the Fall, Spring and Summer semesters, <\/li>\n\n\n\n<li><strong>The Federal Supplemental Educational Opportunity Grant (FSEOG) program<\/strong>&nbsp;was established to make post-secondary educational opportunities available to qualified students who would be unable to obtain such benefits without financial assistance. Priority is to Federal Pell Grant recipients with exceptional need who have completed files in financial aid.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-bczc7 eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-hzfae\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-hzfae\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-hzfae\"><h3 class=\"eb-accordion-title\">Student Loans<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-hzfae\"><div class=\"eb-accordion-content\">\n<p class=\"wp-block-paragraph\">Types of loans available&nbsp;through Â鶹Éç are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Federal Direct Student Loans (Subsidized)<\/strong><br>Subsidized Direct Loans are based upon financial need. Interest is not charged while the student is enrolled at least half-time, i.e. six credit hours in the fall or spring and three credit hours in the summer. Students are required to enroll at least half-time and make satisfactory academic progress toward a certificate or degree program. The 26-27 academic year interest rate is fixed at 6.52% and repayment of the loan begins six months after the student ceases to pursue at least six credit hours at an institution of higher education.<\/li>\n\n\n\n<li><strong>Federal Direct Student Loans (Unsubsidized)<\/strong><br>These loans are not based upon financial need and the student borrower is responsible for interest accrued while in school and during deferment periods for this type of loan. The current 26-27 academic year interest rate is fixed at 6.52% and repayment of the principal loan amount begins six months after the student ceases to pursue at least six credit hours at an institution of higher education.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/important-reminders-for-borrowers-of-federal-student-loans\/\"><strong>3 Important Reminders for Borrowers of Federal Student Loans<\/strong><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loan Eligibility Checklist:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Enrolled at least half-time (6 or more credit hours) at the time of loan disbursement.<\/li>\n\n\n\n<li>Enrolled in an eligible degree program at Â鶹Éç.<\/li>\n\n\n\n<li>Not currently in default on a prior student loan.<\/li>\n\n\n\n<li>Completed the FAFSA and submitted verification documents (if required).<\/li>\n\n\n\n<li>Maintain Satisfactory Academic Progress.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loan Application Process:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Complete Direct Master Promissory Note.&nbsp;<a href=\"https:\/\/studentaid.gov\/\">studentaid.gov<\/a><\/li>\n\n\n\n<li>Complete Entrance Counseling &nbsp;<a href=\"https:\/\/studentaid.gov\/\">studentaid.gov<\/a><\/li>\n\n\n\n<li>Accept your student loan my completing a <a href=\"https:\/\/www.eastcentral.edu\/finaid\/wp-content\/uploads\/sites\/8\/2026\/06\/2026-2027-Loan-Insturctions-with-DATA-Sheet-Update-1.pdf\" data-type=\"link\" data-id=\"https:\/\/www.eastcentral.edu\/finaid\/wp-content\/uploads\/sites\/8\/2026\/06\/2026-2027-Loan-Insturctions-with-DATA-Sheet-Update-1.pdf\">loan data sheet <\/a>and returning back to Financial Aid<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loan Approval Process:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Loan application is reviewed by the financial aid office.<\/li>\n\n\n\n<li>Loan is approved (certified) by the financial aid office if student meets criteria listed above in the Loan Eligibility Checklist.<\/li>\n\n\n\n<li>Certified loan application is sent to the Federal Government for approval.<\/li>\n\n\n\n<li>Approved loan funds are disbursed approximately two weeks after the start of class once attendance and participation have been verified. <\/li>\n\n\n\n<li>If a student is enrolled in less than full time, Federal loans will need to be prorated based on enrollment. Please visit the  <a href=\"https:\/\/www.eastcentral.edu\/finaid\/federal-direct-loans\/\">Federal Direct Loan page<\/a> for more information. <\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Loan Exit Counseling and Repayment<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>When a student graduates or drops below half-time attendance, <a href=\"https:\/\/studentaid.gov\/exit-counseling\/\">Student Loan Exit Counseling<\/a> must be completed.<\/li>\n\n\n\n<li>Students can log into <a href=\"https:\/\/studentaid.gov\/\">StudentAid.gov<\/a> to find their loan servicer.    The loan servicer will provide you with information on how and when to repay your loan.<\/li>\n\n\n\n<li>Repayment of a Direct Laon begins 6 months after the student graduates or is no longer enrolled at least half time. <\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Note: Students borrowing to assist with living expenses should have other resources available to assist them during the first month of the semester. Loan funds are generally not available to students until the 5th week and the mid-point of the semester.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Lack of attendance and\/or reporting of deficient grades within the semester can cause reduction or cancellation of your financial aid.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\" tabindex=\"0\"><table><tbody><tr><td colspan=\"4\"><strong><em>Annual Loan Limits for Dependent Students<\/em><\/strong><\/td><\/tr><tr><td><strong>Borrower\u2019s Academic Level<\/strong><\/td><td><strong>Base Amount<\/strong><\/td><td><strong>Additional<\/strong><\/td><td><strong>Total<\/strong><\/td><\/tr><tr><td><\/td><td>(Sub + Unsub)<\/td><td>(Unsub)<\/td><td>(Sub + Unsub)<\/td><\/tr><tr><td>First-Year Undergraduate<\/td><td>$3,500<\/td><td>$2,000<\/td><td>$5,500<\/td><\/tr><tr><td>Second-Year Undergraduate<\/td><td>$4,500<\/td><td>$2,000<\/td><td>$6,500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-table\" tabindex=\"0\"><table><tbody><tr><td colspan=\"4\"><em><strong>Loan Limits for Independent Students<\/strong><\/em><\/td><\/tr><tr><td><strong>Borrower\u2019s Academic Level<\/strong><\/td><td><strong>Base Amount<\/strong><\/td><td><strong>Additional<\/strong><\/td><td><strong>Total<\/strong><\/td><\/tr><tr><td><\/td><td>(Sub + Unsub)<\/td><td>(Unsub)<\/td><td>(Sub + Unsub)<\/td><\/tr><tr><td>First-Year Undergraduate<\/td><td>$3,500<\/td><td>$6,000<\/td><td>$9,500<\/td><\/tr><tr><td>Second-Year Undergraduate<\/td><td>$4,500<\/td><td>$6,000<\/td><td>$10,500<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-jth8p eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-hzfae\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-hzfae\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-hzfae\"><h3 class=\"eb-accordion-title\">PLUS (Parent) Loans<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-hzfae\"><div class=\"eb-accordion-content\">\n<p class=\"wp-block-paragraph\">Â鶹Éç will be processing Federal PLUS Loans (Parent Loans for Undergraduate Students).&nbsp; If this is an option, you are exploring please contact Kathy Luther at 636-584-6571 or&nbsp;<a href=\"mailto:kathy.luther@eastcentral.edu\">kathy.luther@eastcentral.edu<\/a><\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-essential-blocks-accordion-item eb-accordion-item-ua8nb eb-accordion-wrapper\" data-clickable=\"false\"><div class=\"eb-accordion-title-wrapper eb-accordion-title-wrapper-eb-accordion-hzfae\" tabindex=\"0\"><span class=\"eb-accordion-icon-wrapper eb-accordion-icon-wrapper-eb-accordion-hzfae\"><span class=\"fas fa-angle-right eb-accordion-icon\"><\/span><\/span><div class=\"eb-accordion-title-content-wrap title-content-eb-accordion-hzfae\"><h3 class=\"eb-accordion-title\">Work-Study Employment<\/h3><\/div><\/div><div class=\"eb-accordion-content-wrapper eb-accordion-content-wrapper-eb-accordion-hzfae\"><div class=\"eb-accordion-content\">\n<p class=\"wp-block-paragraph\">To participate in the&nbsp;<a href=\"https:\/\/www.eastcentral.edu\/finaid\/work-study\/\">Work Study Program<\/a>&nbsp;you&nbsp;must be currently enrolled in at least six credit hours, must submit the FAFSA form and qualify for financial need. For summer, students must be enroll in at least six credit hours for both the summer and fall and have a complete financial aid file for the fall semester.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financial Aid will determine eligibility and inform the student if they qualify for the work-study program. The number of hours of work a week will be based on the budget and the student\u2019s financial qualifications for a maximum of 19 \u00be hours per week. For more information regarding FAFSA, student worker requirements, and enrollment guidelines, please visit the Financial Aid Office or call 636-584-6571. Minimum hourly pay $15.00; flexible hours not to exceed 19.75 hours per week.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more information and to apply, click&nbsp;<a href=\"https:\/\/app.hiremojo.com\/mojo\/ce\/475475387\/East-Central-College\/Missouri\/Union\/Student-Worker#\/\">here<\/a>.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Priority Deadlines: Students who submit their Financial Aid Application (FAFSA) and requested documentation on or before the following priority deadlines, and are eligible to receive benefits, will be held in classes. All documents must be received by the financial aid office no later than: After Priority Deadlines: Students who submit their Financial Aid Application (FAFSA) [&hellip;]<\/p>\n","protected":false},"author":39,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"_eb_attr":"","footnotes":""},"class_list":["post-51","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Federal Resources - Financial Aid<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Federal Resources - Financial Aid\" \/>\n<meta property=\"og:description\" content=\"Priority Deadlines: Students who submit their Financial Aid Application (FAFSA) and requested documentation on or before the following priority deadlines, and are eligible to receive benefits, will be held in classes. All documents must be received by the financial aid office no later than: After Priority Deadlines: Students who submit their Financial Aid Application (FAFSA) [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/\" \/>\n<meta property=\"og:site_name\" content=\"Financial Aid\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-15T21:49:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.eastcentral.edu\/finaid\/wp-content\/uploads\/sites\/8\/2024\/04\/ecc-social-logo-2024.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/federal-resources\\\/\",\"url\":\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/federal-resources\\\/\",\"name\":\"Federal Resources - Financial Aid\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/#website\"},\"datePublished\":\"2014-08-12T15:25:06+00:00\",\"dateModified\":\"2026-06-15T21:49:44+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/federal-resources\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/federal-resources\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/federal-resources\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Federal Resources\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/#website\",\"url\":\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/\",\"name\":\"Financial Aid\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.eastcentral.edu\\\/finaid\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Federal Resources - Financial Aid","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/","og_locale":"en_US","og_type":"article","og_title":"Federal Resources - Financial Aid","og_description":"Priority Deadlines: Students who submit their Financial Aid Application (FAFSA) and requested documentation on or before the following priority deadlines, and are eligible to receive benefits, will be held in classes. All documents must be received by the financial aid office no later than: After Priority Deadlines: Students who submit their Financial Aid Application (FAFSA) [&hellip;]","og_url":"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/","og_site_name":"Financial Aid","article_modified_time":"2026-06-15T21:49:44+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/www.eastcentral.edu\/finaid\/wp-content\/uploads\/sites\/8\/2024\/04\/ecc-social-logo-2024.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/","url":"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/","name":"Federal Resources - Financial Aid","isPartOf":{"@id":"https:\/\/www.eastcentral.edu\/finaid\/#website"},"datePublished":"2014-08-12T15:25:06+00:00","dateModified":"2026-06-15T21:49:44+00:00","breadcrumb":{"@id":"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.eastcentral.edu\/finaid\/federal-resources\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.eastcentral.edu\/finaid\/"},{"@type":"ListItem","position":2,"name":"Federal Resources"}]},{"@type":"WebSite","@id":"https:\/\/www.eastcentral.edu\/finaid\/#website","url":"https:\/\/www.eastcentral.edu\/finaid\/","name":"Financial Aid","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.eastcentral.edu\/finaid\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.eastcentral.edu\/finaid\/wp-json\/wp\/v2\/pages\/51","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.eastcentral.edu\/finaid\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.eastcentral.edu\/finaid\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.eastcentral.edu\/finaid\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/www.eastcentral.edu\/finaid\/wp-json\/wp\/v2\/comments?post=51"}],"version-history":[{"count":76,"href":"https:\/\/www.eastcentral.edu\/finaid\/wp-json\/wp\/v2\/pages\/51\/revisions"}],"predecessor-version":[{"id":3202,"href":"https:\/\/www.eastcentral.edu\/finaid\/wp-json\/wp\/v2\/pages\/51\/revisions\/3202"}],"wp:attachment":[{"href":"https:\/\/www.eastcentral.edu\/finaid\/wp-json\/wp\/v2\/media?parent=51"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}