New guidelines from the State of Arizona explicitly state our responsibilities in establishing residency and eligibility requirements for all students seeking admissions, financial aid, and other college services. Download and print those guidelines here. We have also provided the list of acceptable documentation for students seeking to establish residency status.

You can review the MCCCD administrative regulations governing Student Financial Assistance here.

Basic Eligibility Criteria to Apply for Federal Student Aid

To qualify for Federal Student Aid most students must meet certain criteria set by the U.S. Department of Education. Basic Eligibility Criteria includes (but is not limited to): 

Additional Requirements for Federal Student Loans

  • MCC must have your valid FAFSA information

  • All items on your Student Center- To Do List must be completed

  • You must be enrolled in 6 credit hours or more (at least half-time status)

  • You must maintain at least half-time enrollment (6 credit hours or more per semester)

Private Loan Requirements

Private loans, or Alternative loans, are education loans students can borrow from private lenders to supplement their federal financial aid to help cover the cost of attending college. Students who wish to receive a Private/Alternative Education Loan must meet the following criteria:

PLUS Loan Requirements

PLUS Loan is an unsubsidized loan parents of dependent students (students who must provide parent data on their FAFSA) can borrow for their child's educational expenses.

To apply for a PLUS Loan: 

  • You must be the biological, adoptive, or step-parent of the student for whom you are borrowing the loan

  • Your child must be attending MCC and be enrolled in 6 credit hours or more

  • You must complete the PLUS Loan application 

  • You must complete a PLUS Loan Master Promissory Note (first-time PLUS Loan borrow only)

  • You must agree to a credit check (adverse credit history may require an endorser)

Defaults & Overpayments

Not paying your loan is called defaulting on your loan. The consequences of default are severe. Your school, the lender or agency that holds your loan, the state and the federal government may all take action to recover the money, including notifying national credit bureaus of your default. This may affect your credit rating for as long as seven years. Learn more about defaults.

An overpayment can occur when you do not qualify for all the financial aid that you were awarded. 

Determining Need

Financial Need is determined by taking a student's Cost Of Attendance (COA) minus their Expected Family Contribution. COA - EFC = Financial Need.

Cost of Attendance (COA) is an approximation of what it will cost to attend MCC for one year. The COA for MCC is established for every student that applies for Federal Student Aid and is determined by many factors including, but not limited to, enrollment status, residency status, and living situation.

When a student submits a FAFSA, the federal processor uses the information provided to calculate the student's Expected Family Contribution (EFC).