Mar 07, 2021  
College Catalog 2019-2020 
College Catalog 2019-2020 [ARCHIVED CATALOG]

Financial Aid Programs

Students applying for financial aid according to the procedures described above are considered for a wide variety of financial aid programs briefly described below. In addition, students may apply for a variety of scholarships through the HCC Foundation at The college also awards a limited number of talent grants without requiring an application.


Federal Pell Grant

For the 2019-2020 year, Pell Grants are expected to range up to $6,195 a year for full-time, $4,646 for three-quarter time,  $3,098 for half-time, and  $1,549 for less than half-time enrollment. Recipients are restricted to a lifetime limit of 12 full-time semesters of awards. Undergraduate students only. FUNDING: U.S. Govt.


Awards at Massachusetts Community Colleges ranged up to $1,100 per year during 2018-19, depending on the need. Full-time undergraduate students only.

FUNDING: State of Mass.

MassGrant Plus

Grant aid for students who demonstrate financial need fo tuition and fees after accounting for expected family contributions (EFC) and all forms of institutional and public grant aid.  Undergraduate students only. 

FUNDING: State of Mass.

Federal Supplemental Educational Opportunity Grant

Grants normally do not exceed $200 at HCC. Preference to Pell-eligible students with zero EFCs. Undergraduate students only.


HCC Financial Aid Need Based Tuition Waiver

Tuition Waivers reduce tuition charges and can range up to the full amount of in-state tuition. Undergraduate students only.

FUNDING: State of Mass.

Mass Furcolo Access Grant

Awards cannot exceed tuition and fees. Undergraduate students only.

FUNDING: State of Mass.

Institutional Grant

Grants are normally limited to direct educational costs. Undergraduate students only.


HCC Educational Access Grant

Award offers generally range from $150 to $300. Undergraduate students only.



Federal Direct Stafford Loan

A low interest educational loan of up to $5,500 per year (no more than $3,500 can be subsidized) for freshmen and $6,500 per year (no more than $4,500 can be subsidized) for sophomores. (Independent students can borrow up to an additional $4,000 in unsubsidized loan, if needed). Repayment does not begin until six months after the borrower ceases at least half-time enrollment. If subsidized, interest does not accrue until the borrower ceases to be at least a half-time student. If unsubsidized, interest accrues from the time the loan is disbursed until it is paid in full. New borrowers on or after July 1, 2013 lose the loan subsidy when the student has received subsidized loans for 150% of the published time of the student’s academic program.


Federal Direct Plus Loans

A loan for parents of dependent students. The maximum loan amount is the student’s cost of attendance (determined by the school) minus any other financial aid received. The loan enters repayment once the loan has been fully disbursed (paid out). The loan requires a credit check.



Federal Work Study (FWS)

FWS provides jobs for needy applicants. FWS awards typically allow students to work an average of 10 to 12 hours per week during the school year. Sometimes additional hours are available during the summer and other vacation periods, but rarely would total hours exceed 30 per week. Payroll is every two weeks.


Federal Work Study (Community Service)

Community service federal work study provides work opportunities that are designed to improve the quality of life for commu­nity residents, particularly low-income individuals, or to solve particular problems related to their needs. Students employed in community service positions work at public or nonprofit agencies that offer the following types of services: health care, child care, literacy training, tutoring, welfare, social services, public safety, crime prevention and control, disability services, elder care, recreation, community improvement and emergency preparedness and response. Students who are eligible for federal work study may inquire about community service positions by contacting Margaret Downing at or by contacting the Financial Aid Office, Frost 201, 413.552.2150,