To receive federal student aid, PLUS loan funds, or Private Education Loans, you must meet certain criteria set by the Department of Education, state regulations, and school policies. For full eligibility requirements, set by the Department of Education Student Aid website.

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 also review the MCCCD administrative regulations governing Student Financial Assistance here.

Satisfactory Academic Progress Policy

Federal regulations (CFR 668.32(f) and 668.34) require a student to move toward the completion of a degree or certificate eligible program when receiving financial aid. Federal regulations state that Academic Progress Standards must include a review of all periods of enrollment, regardless of whether or not aid was received.  Failure to meet any of these minimum standards will result in loss of title IV, HEA program (federal financial aid) eligibility. 

Standards of Satisfactory Academic Progress (SAP) will be evaluated at the end of each semester: fall, spring, and summer. Programs less than one year in length will be evaluated at the midpoint of the program. Non-standard sessions will be evaluated at the completion of the session.

Standards SAP are evaluated on each of the three measurements.

  • Grade Point Average (GPA) Requirements
  • Semester Progress
  • Maximum Time Frame

If you fail to meet any of the SAP standards, it will result in the loss of Federal Student Aid, PLUS Loans, and Private Education Loan eligibility.

For full information on Standards of Satisfactory Academic Progress click here

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).


Many non-U.S. citizens qualify for federal student aid. Don’t assume you can’t get aid just because you’re not a citizen. Find out more here.

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. Read more about overpayments here.

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