Terms and Conditions

This information is provided as a guide and is subject to change without notice to comply with federal, state, and institutional policies. All financial aid recipients are encouraged to read the entire Financial Aid website and related college policies.

Eligibility depends on many factors. To receive aid from the student aid programs offered at Southwest Tennessee Community College, students must:

  • Have a financial need, except for some loan programs, which do not require proof of need. However, please note that Southwest does not participate nor offer student loans.
  • Have a high school diploma or a General Education Development (GED) Certificate.
  • Be a U.S. citizen or an eligible non-citizen.
  • Have a valid Social Security number.
  • Not owe a Federal Pell or Supplemental Educational Opportunity Grant (SEOG) over-award.
  • Not be in default on a Federal Stafford Loan or Federal Direct Loan.
  • Be enrolled or accepted for enrollment as a regular student working toward a degree or certificate in an eligible program of study. Students may not receive aid for correspondence or telecommunications courses unless as part of an associate degree program. Students may not receive aid for auditing classes.
  • Make satisfactory academic progress, refer to Policy No. 3:04:01:00/17 (Adobe PDF require's Adobe Reader, Size: 26 KB)
  • Sign a statement on the Free Application for Federal Student Aid (FAFSA) certifying that the student
    • will use federal and/or state student financial aid only to pay for attending an institution of higher learning
    • is not in default on a federal student loan or has made satisfactory arrangements to repay it
    • does not owe money back on a federal student grant or has made satisfactory arrangements to repay it
    • will notify the school if he or she defaults on a federal student loan.
  • Register with Selective Service, if required. If the student is a male, age 18-25, and has not yet registered with Selective Service, he can give Selective Service permission to register him by checking a box on the FAFSA. He can also register on the Selective Service website.

Students who receive financial assistance are responsible for understanding and agreeing to the following terms and conditions:

  • You understand that an offer of financial aid is for the academic year and that offers of financial aid are contingent on the availability of funds. Furthermore, you understand you must re-apply and re-establish eligibility for financial aid each award year.
  • As a financial aid recipient, you understand that funds received from an outside source or agency for educational expenses (i.e. scholarships, fee waivers, Voc Rehab assistance, etc.) will be coordinated with all other aid offered and that the coordination of these additional resources may result in changes to the types and amounts of financial aid initially offered by Southwest.
  • You understand that once financial aid funds are available for payment (typically when all documents have been received and the file is complete), financial aid will be credited to your student account to pay for your mandatory fees and any other outstanding obligations related to your educational expenses at Southwest for the award year. If your financial aid disbursement does not cover the balance due, you are responsible for payment to the College.
  • You understand that that financial aid is available for payment only if you have been officially admitted (not provisionally or conditionally admitted), are enrolled in classes during the semester(s) indicated on your award letter, and meet all other disbursement requirements. You understand that financial aid offered is based on full-time enrollment and that payments may be adjusted for less than full-time enrollment.
  • You understand that a condition to receive financial aid requires that you must meet Satisfactory Academic Progress standards according to policies established by the Southwest Financial Aid Office and consistent with federal guidelines. You understand that these policies include:
    • completion of cumulative 67 percent of your attempted hours
    • an evaluation of academic progress based on cumulative grade point average
    • a maximum time frame of 150 percent of attempted hours for receiving financial aid to complete your degree objective. To review the entire policy, go to Policy No. 3:04:01:00/17 (Adobe PDF require's Adobe Reader, Size: 50 KB)
  • All financial aid recipients will be required to repay a percentage of funds disbursed if they officially withdraw from college or stop attending all classes before the 60 percent of the term has been completed. You may be subject to repayment of funds already received based on the Return to Title IV calculations and you may jeopardize your future eligibility for financial aid due to lack of achieving satisfactory academic progress.
  • You understand that you may receive financial aid at only one school for the same period of enrollment. If you are attending two institutions, your financial aid funds can only be processed at one institution.
  • Learning Support (LS) and English as a Second Language (ESL). Please note that LS and ESL courses are considered remedial courses. Federal regulations limit how much financial aid a student can receive for taking remedial courses. Financial aid may be used for a maximum of 30 semester credit hours of LS courses. Once the maximum number of hours is reached for LS, a student will not be eligible for financial aid for remedial courses until he or she exits. Courses in ESL do not count against the 30 semester credit hour limit. LS and ESL courses do not count toward the completion rate and the maximum hours allowed toward a degree.
  • In accordance with federal regulations, the Financial Aid Office will recalculate federal, state, and institutional aid awards based on the enrollment status as of our published census date which is the 14th day of class for both Fall and Spring terms. [continue reading ... ]
  • A recent federal regulation limits the number of times a student may repeat a course and receive financial aid for that course. If a student gets a 'W' or an 'F' in a course, that student is allowed to repeat the course and receive financial aid (assuming he/she is meeting Satisfactory Academic Progress) until he/she receives a 'D' or better. Once the student has received a 'D' grade or better, he/she can repeat the course a second time and still receive federal aid. The third time the student repeats a course in which he/she has earned a 'D' or better, this course is no longer eligible for Title IV funds. The hours associated with the repeated course will be excluded from the student's enrollment status for financial aid purposes. However, this attempt is not excluded from the calculation for Satisfactory Academic Progress.
  • Students who are awarded Federal Work-Study as part of their financial aid package have the opportunity to work on campus in a variety of jobs, or off campus in nonprofit agencies. The program is a great way to earn spending money while at school. You will be required to complete several forms before you can begin working.
  • Effective July 1, 2012, the duration of Pell Grant eligibility has been reduced from the equivalent of 18 full-time semesters to the equivalent of 12 full-time semesters. Depending on the student's Pell Grant award history, you will not be eligible for the Pell Grant anymore due to having reached the lifetime limit. Students who are failing and retaking developmental and college credit classes will be affected the most by this change.
  • The Financial Aid Office has gone green! All correspondence from us will be sent to your Southwest email address. Please make sure you read your Southwest email often.
  • You understand that the Financial Aid Office reserves the right to review, modify or cancel financial aid offered at any time due to changes in your financial status, eligibility for financial aid, or changes in federal, state or institutional fund availability. In addition, your financial aid offered may be void or one or more financial aid program(s) may be canceled or modified if the aid offered was based on any error in determining eligibility or the amount of financial aid offered, whether or not the error was made by you or Southwest's Financial Aid Office.