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«Vermont Technical College Catalog 2009-2010 Bachelor of Science Architectural Engineering Technology Business Technology and Management Computer ...»

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For the purpose of application, income is defined as wages, salary, tips, interest accrued, dividends, pensions, welfare, social security, or any other form of income. Deductions against income are made for taxes and there is an employment allowance for parents working outside the home, as well as an income protection allowance that is based upon family size and the total number of family members in college.

Sources of Financial Aid When a FAFSA is filed, you are applying for the following federal, campus-based, and state aid programs and establishing eligibility for a Federal Stafford Loan.

Federal The Federal Pell Grant Program is an entitlement program. This means that all students Financial Aid who are eligible will receive Pell Grant awards. Eligibility is determined by the family’s, as well as the student’s, financial resources. Vermont Tech requires all students desiring financial aid to apply for the Pell Grant.

Federal Stafford Loans—both subsidized and unsubsidized—are available to qualified students at Vermont Tech. A subsidized loan is awarded on the basis of financial need. If qualified for a subsidized loan, the federal government pays interest on the loan until the student begins repayment and during authorized periods of deferment. The student pays the interest on the unsubsidized loan while enrolled on at least a half-time basis.

If you’re a dependent undergraduate student, you can borrow up to:

$3,500 if you’re a first-year student enrolled in a program of study that is at least a full academic year $4,500 if you’ve completed your first year of study and the remainder of your program is at least a full academic year $5,500 a year if you’ve completed two years of study, are matriculated in a bachelor’s degree program, and the remainder of your program is at least a full academic year Additional unsubsidized Stafford loan limits may be increased by $2000 for loans first disbursed after July 1, 2008.

Independent undergraduate students may borrow an additional amount of money up to $4,000 or $5,000 a year, depending on their year of study. However, through the unsubsidized loan program students can’t borrow more than the cost of attendance minus any other financial aid for which they are eligible.

Both the subsidized and unsubsidized loan eligibility amounts will be outlined on a student’s award letter.

In accordance with the laws and regulations of the Higher Education Act, borrowers have the right to choose and select the lender of their choice to process loans. On Vermont Tech’s website there is a list of suggested lenders and a lender comparison chart for families to evaluate benefits and customer service options. Families are not limited to selecting from the suggested lender list and can choose the lender of their choice.

PLUS Loans enable parents with good credit histories to borrow for each child who is enrolled at least half-time and is a dependent student. Parents who wish to apply for a PLUS Loan must fill out a PLUS Loan Request Form which is available through the financial aid office. A PLUS loan request form is automatically mailed with financial aid award notification letters. The yearly limit on a PLUS Loan is the cost of attendance minus any other financial aid for which a student is eligible.

Campus-Based The Federal Supplemental Education Opportunity Grant (FSEOG) is a gift of money to assist students with the cost of their education. It is restricted to undergraduates and does not have to be repaid. The maximum amount awarded is $4,000, the amount awarded depending on a student’s need and the availability of funds at Vermont Tech. Average loans range from $600 to $1600 per year. Students eligible for Pell Grants have first consideration for this fund.

Financial Aid The Academic Competitiveness Grant is funded by the Federal government and awarded to undergraduates enrolled full-time in their first or second academic year. Students must have completed a rigorous secondary school program of study and be enrolled in at least a two-year academic program acceptable for full credit toward a bachelor’s degree. Students must be U.S.

citizens and be Pell eligible. First year students must have a high school graduation date after January 1, 2006 and have not been previously enrolled in an undergraduate program. Second year students must have a high school graduation date after January 1, 2005 and have at least a

3.0 cumulative GPA after their first year as an undergraduate. The award is up to $750 for first year students and up to $1300 for second year students.

The National Science and Mathematics Access to Retain Talent Grant (National SMART Grant) is funded by the Federal government and awarded to undergraduates enrolled full-time in their third or fourth academic year. Students must be U.S. citizens, Pell recipients, and enrolled in an eligible degree program. Eligible programs are physical, life, or computer sciences; engineering; technology; mathematics; or a critical need foreign language. The student must also have at least a 3.0 cumulative GPA meet grade level criteria. The award is up to $4000 for each of the third and fourth academic years.

The Federal Perkins Loan Program is a low-interest (5%) loan made directly to eligible students by the college from federal funds received for this purpose. If qualified, a student may borrow up to $15,000 during four years of college. At Vermont Tech, average loans range from $600 to $2,000 per year.

The Federal Work-Study Program (FWS) is a Federal work program administered by Vermont Tech which provides jobs for students on or off campus. Average awards range from $1,200 to $1,600 for the year, which translates to approximately 10 hours of work per week.

Students may also use FWS funds for off-campus community service placements. Federal Work-Study earnings are not credited on a student’s bill. Instead, a student worker receives a paycheck every two weeks.

State Vermont Incentive Grants are awarded on the basis of financial need. Any full-time undergraduate Vermont resident who plans to attend or is enrolled in an approved post-secondary institution and who has not already received a bachelor’s degree is eligible to apply.

A “Financial Aid Packet for Vermont Students” is available at all Vermont high school guidance offices and at Vermont Tech’s Office of Financial Aid. Students are required to file supplemental information to the Vermont Student Assistance Corporation (VSAC) to be considered for a Vermont State Grant. On-line access is available at www.vsac.org Grants from other states include Maine, New Hampshire, Rhode Island, Connecticut, and Massachusetts. These states offer undergraduate grants or scholarships usable at Vermont Tech. Vermont Tech encourages all students eligible for these grants to apply for them. Contact the financial aid office or your high school guidance office to find out which states require supplemental information.

Veterans’ Education Benefits Vermont Tech programs are approved by the Vermont State Approving Agency, Office of Veterans’ Affairs. These benefits are generally available to veterans who are separated from Financial Aid active duty within the past ten years; veterans with service-connected disabilities; and the sons, daughters, spouses, and widows or widowers of deceased or totally disabled veterans.

Veterans’ Benefits GI Bill: Educational benefits are available to any honorably discharged veteran who enlisted for active duty and was on active duty for at least 181 consecutive days.

Students must make application to the Veterans Administration. The Department of Veterans Affairs GI bill web site, www.gibill.va.gov is the comprehensive resource for those interested in learning about and applying for these benefits.

The Vermont Tech registrar is the college’s certifying official for Veterans Administration benefits. Additional information and assistance with applying for benefits is available from the Office of the Registrar.

First payment from the Veterans Administration normally takes 4-8 weeks from the beginning of the first term. After that, checks are normally received monthly.

The Vermont National Guard State Educational Assistance Program provides tuition assistance to eligible members of the Vermont National Guard who are enrolled in undergraduate degree and diploma programs at public colleges in Vermont.

Other Scholarships administered by the college, including the Vermont Tech Scholars program, are available to students who meet the criteria set for each. Contact the Office of Financial Aid for information about scholarships appropriate to your situation or go to the financial aid page on the college website at www.vtc.edu.

Vermont Tech also has institutional grants which are awarded based on financial need and/or merit. Financial need is determined by using the same criteria used for awarding campus-based aid. The maximum amount awarded depends upon the availability of funds, as well as student needs.

Statement of Satisfactory Progress for Financial Aid The Federal Office of Education has stated that a student must be “maintaining satisfactory progress in the course of study s/he is pursuing, according to the standards and practices of the institution at which the student is in attendance.” In order to be eligible for financial aid at Vermont Tech, a student must satisfy the criteria below. Both measurements are reviewed in determining a student’s eligibility for continued aid.

Satisfactory Academic Standing Satisfactory academic standing is determined in accordance with the policies set forth under “Academic Standing” in the “Academic Affairs” chapter of this catalog. The financial aid office is notified by the registrar’s office of students who fall below the minimum standards. These students are notified that they have been placed on financial aid probation for one term.

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If a student fails to raise his or her GPA to that required for satisfactory academic standing by the end of their probationary period, financial aid eligibility will be suspended. Students who are academically dismissed automatically lose their aid eligibility.

Satisfactory Academic Progress Satisfactory academic progress is determined by earning an accumulation of credits that apply to a student’s current degree program at a rate that will allow the completion of a degree program within a specified time period.

For financial aid considerations, the maximum time frame allowed for a student pursuing an associate’s degree or a “plus two” baccalaureate degree is three years (six terms) of full-time enrollment (12 or more credits per term) or the equivalent part-time enrollment.

For a student enrolled in a three-year program, the maximum time frame allowed is 4.5 years (nine terms) of full-time enrollment or the equivalent part-time enrollment.

The financial aid office will review for satisfactory academic progress on a semester basis.

Appeal If a student loses eligibility for aid, he or she may appeal to have the aid reinstated by writing to the Director of Financial Aid. All appeals for reinstatement of financial aid should identify any mitigating circumstances causing the loss of eligibility and the measures adopted as corrective action.

Review of Awards The Director of Financial Aid reserves the privilege of reviewing and revising awards.

Therefore, the applicant should notify the Office of Financial Aid immediately if there is a change in either the student’s or the family’s financial situation. This includes the receipt of non-college scholarships.

If a student receives an outside scholarship that the college does not know about at the time an award letter is prepared, he or she will be issued a revised award reflecting an adjustment to avoid an over-award situation. Any initial adjustment will be reflected in unmet need, then the self-help (loan and work) portion of the financial aid package.

Most financial aid awards are based originally upon the assumption that a student will enroll as a full-time student (12 or more credits per term), unless he or she has notified us to the contrary. If a student changes his or her status from full- to part-time enrollment, an aid adjustment may result.

Agribusiness Management Technology Academic Programs Agribusiness Management Technology Graduates of this program generally pursue careers with the industries and agencies that serve production agriculture. Some typical career choices include: sales and service representatives for feed, fertilizer and equipment industries; inspectors of milk and other agricultural products; rural credit officers; or specialists with agencies such as the Dairy Herd Improvement Association, the Soil Conservation Service, and the Peace Corps.

Students benefit from the combination of classroom instruction and practical laboratory experience, which includes use of the extensive facilities at the college farm. In addition to the important basics in plant and animal agriculture, the program emphasizes business and communication skills.

Students with an Associate of Applied Science in Agribusiness Management Technology will

be able to:

• Understand the income and expense sources of varied agricultural business

• Adequately prepare and assess an agribusiness business plan

• Prepare income and expense accounts

• Understand marketing principles

• Understand small business management including payroll and human resources

• Competently represent agriculture in all venues The minimum number of credits required for a degree is 67.

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*Students who do not place into ENG 1060 or 1061 may take up to three terms to complete English Composition (see English Requirements, page 99). This may require summer courses or additional terms to complete the degree.

**Students must complete a minimum of one Arts and Humanities (AH) and once Social Science (SS) elective.

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