Applying for Financial Aid
Students must apply for financial aid each year by completing the online Free Application for Federal Student Aid (FAFSA). Students must complete the Free Application for Federal Student Aid (FAFSA) online. The Department of Education (DOE) makes the new FAFSA available after October 1. There is no fee to complete the FAFSA on the Department of Education (DOE) website. The Spanish language FAFSA is also available.
Student Eligibility Requirements
- Enroll as a regular student and be degree or certificate seeking in an eligible program of study.
- Be a U.S. citizen or eligible non-citizen.
- Meet Satisfactory Academic Progress (SAP) as defined by the college.
- Provide the PHSC Admission's Office with an official copy of the student's high school transcript or GED.
- Transfer student information is available through the PHSC catalog and student handbook.
- May only be funded for courses required for the current degree or certificate program. In addition, Federal Student Loan eligibility requires that students be enrolled at least half-time each semester in courses required by their program or certificate of study.
- Not be in default on a prior student loan.
- Are not eligible to receive federal student aid from two different schools when attending two different schools at the same time.
Completing the FAFSA
- Complete the FAFSA each year.
- All contributors, anyone who is required to provide information on a student’s FAFSA form, including the student, the student’s spouse, a biological or adoptive parent, or the parent’s spouse must create a FSA ID to complete and sign the FAFSA.
- If a student, or required contributor, doesn’t provide consent and approval to use the Financial Aid Direct Data Exchange (FA-DDX), the student will not be eligible for federal aid.
- Be certain to enter correct Social Security number(s) on the application.
- Add the PHSC school code 010652.
- Prior, Prior Year (PPY). Beginning with the 2017-2018 award year, student and their families will provide income and tax information from the tax year one year earlier than has been used in the past. Therefore, the 2025-2026 FAFSA will collect information from the 2023 tax year.
After Your FAFSA is Submitted
- Upon completing the application, students and parents may sign with their FSA ID. If not, students must print the FAFSA signature page, affix the appropriate signatures, and mail the document to the FAFSA Processing System (FPS).
- FAFSA Processing System (FPS) will perform the calculation to determine the student's financial aid eligibility.
- Within one to three days after the FAFSA is submitted the student should receive a FAFSA Submission Summary (FSS). The FAFSA Submission Summary (FSS) is the official determination by the DOE about whether or not the student qualifies for different types of federal assistance. If a student receives a FAFSA Submission Summary (FSS) that indicates they do not qualify for federal assistance, they should contact the Financial Aid Office to determine if alternative sources are available.
- Review the FAFSA Submission Summary (FSS) carefully and make corrections to any errors on the processed FAFSA.
- Students should monitor their online student self-service account closely after they receive their FAFSA Submission Summary (FSS) and are welcome to contact their Financial Aid Office.
Federal Eligibility Matches
The Federal FAFSA Processing System (FPS) matches a student's name, date of birth, and social security number with a variety of federal agencies including the Social Security Administration, Department of Homeland Security, Veteran's Administration and National Student Loan Data System. If there are discrepancies in student FAFSA and federal agency information during the match process, the student will be asked to provide additional documentation, or actions, to confirm federal assistance eligibility. The student will be notified of federal match results on the FAFSA Submission Summary (FSS) and the school will notify the student of requested documentation. Please monitor the student online student self-service portal for possible missing documents and file status.
FAFSA Submission Summary (FSS) Corrections
PHSC's financial aid office processes and submits corrections electronically for the FAFSA Submission Summary (FSS) to the Department of Education (DOE). The DOE transmits the correction to their services, FAFSA Processing System (FPS), who is contracted to process the financial aid applications. The procedures for corrections and updates apply to all federal student aid applicants.
The Financial Aid Office will download the FAFSA Submission Summary (FSS) into the PHSC student records system and process the corrected application. Within three to five business days, the student will receive an acknowledgment notice from the FAFSA Processing System (FPS) once the submitted correction is processed. The Financial Aid Office then receives the corrected FAFSA Submission Summary (FSS) electronically. Upon electronic receipt of the corrected FAFSA Submission Summary (FSS), the Financial Aid Office will complete the student's financial aid file.
All corrected FAFSA Submission Summary (FSS) must be submitted or received electronically by June 30, 2026 for the 2025-2026 academic year. Failure to provide the documentation necessary to complete the verification process by the established deadline may result in loss or repayment of financial aid awarded.
All information and documentation submitted by the student and/or parent must be accurate and authentic. Students who purposely give false or misleading information may be fined, sentenced to prison, or both.
Awarding Process
After the student's financial aid file is completed, the student will receive an award letter via the student's PHSC mail account indicating their eligibility for assistance, or an ineligibility notification stating they do not qualify for grant programs.
We recommend students monitor their PHSC mail and student self-service account frequently during the awarding process in order to provide necessary requested and missing documentation and to review the status of their financial aid file.
Purchasing Books with Financial Aid
Students who have been awarded financial aid for the semester may be able to charge the cost of their books against their financial aid award if they meet the following guidelines.
Other Financial Aid Considerations
- Your financial aid award letter amount is based on full-time enrollment. The amount of your aid will be adjusted each semester to reflect the percentage of full-time enrollment at which a student is enrolled, rounded to the nearest whole percent intensity.
- If you receive private outside scholarships and/or other types of financial aid, your other aid may need to be adjusted to prevent you from being over-funded with federal and state aid.
- Over payment status can occur as a result of non-attendance, enrollment in ineligible courses, not meeting enrollment requirements, or institutional error. Students in an over payment status have reduced eligibility after financial aid funds were used to pay charges or were refunded.
- Students in over payment status will have a hold placed on their record and will be unable to register for any additional courses until the amount owed is repaid in full.
- A calculation will be run to determine the unearned portion of federal financial aid for students who withdraw, stop attending, or change all courses from credit to audit, before completing 60% or more of their semester. Any amount of federal financial aid that must be returned to the federal programs is the responsibility of the student.
Financial Aid Refund Process
The Financial Aid Office applies financial aid funds to pay tuition and fees. If additional funds remain after the payment of tuition, fees and book charges, the student will receive a balance refund stipend within 14 days of disbursement. Students will receive their refund through their selected refund preference with BankMobile.
Official and Unofficial Withdrawals
Students who receive Title IV Federal financial aid may have their financial aid adjusted if they have a complete withdrawal or fail to earn a passing grade during the semester/term. In addition, students who have a complete withdrawal status prior to the disbursement of aid for the semester/term may also result in an adjustment. This adjustment would be made based on aid earned up to the point of withdrawal. The school must offer any post-withdrawal disbursement of loan funds within 30 days of the date the school determined the student withdrew and must provide the student or parent the minimum 14-day response period for the post-withdrawal disbursement of Direct Loan funds. The school must disburse any Title IV grant funds a student is due as part of a post-withdrawal disbursement within 45 days of the date the school determined the student withdrew and disburse any loan funds a student accepts within 180 days of the date the school determined the student withdrew.
A student’s official withdrawal date is defined as the mid-point of the semester/term unless otherwise noted by the instructor.
A student is considered to have unofficially withdrawn for financial aid purposes when (1) the student does not complete the official withdrawal process and (2) the student fails to earn passing grades in courses for which he/she is registered for at the end of that semester/term. The student’s unofficial withdrawal date will be defined as the student’s last date of academic related activity/engagement as reported by the instructor or mid-point of the semester/term.
Students receiving Title IV Federal financial aid who are considered to be officially OR unofficially withdrawn may owe some or all of their federal aid back to the institution and/or to the U.S. Department of Education based on the Return of Title IV Calculation.
Federal Financial Aid Repayment Rules
Federal student aid recipients who withdraw (officially or unofficially) from, stop attending or change from credit to audit status, causing a reduction in course load, may have to repay all or part of their federal student aid. Federal regulations require we calculate the amount of financial aid earned when a student is no longer attending or has withdrawn from all courses. This regulation includes courses that are changed from credit to audit status and courses where the student receives a grade of "F" due to non-attendance.
If the federal student aid the student has received is greater than the institutional charges (tuition and fees), a portion of the federal financial aid may have to be returned to the Department of Education. Students who return the unearned funds will regain eligibility to apply for aid in future semesters. Students must make repayment to PHSC within 45 days or make payment arrangements to the Department of Education. Students are ineligible for future federal funding until their entire balance is repaid. Federal funds administered by PHSC are returned in the following order:
- Federal Direct Unsubsidized Loan
- Federal Direct Subsidized Loan
- Federal Direct PLUS Loan
- Federal Pell Grant
- Federal Supplemental Education Opportunity Grant
Title IV Federal Aid
Below you will find the dates that students will have earned their Title IV federal aid for Spring and Summer 2025 and each 2025-2026 semester.
| Class Start Date | Terms | Earned 100% of Title IV Funds | Class End Date |
|---|---|---|---|
| January 13, 2025 | Term 2 | March 25, 2025 | May 5, 2025 |
| January 13, 2025 | Term 2A | February 14, 2025 | March 5, 2025 |
| March 6, 2025 | Term 2B | April 15, 2025 | May 5, 2025 |
| January 27, 2025 | Term 2C | March 9, 2025 | April 11, 2025 |
| January 13, 2025 | Terms 2 and 2A | March 25, 2025 | May 5, 2025 |
| January 13, 2025 | Terms 2 and 2B | March 25, 2025 | May 5, 2025 |
| January 13, 2025 | Terms 2 and 2C | March 25, 2025 | May 5, 2025 |
| January 13, 2025 | Terms 2A and 2B | March 25, 2025 | May 5, 2025 |
| January 13, 2025 | Terms 2A and 2C | March 4, 2025 | April 11, 2025 |
| January 27, 2025 | Terms 2B and 2C | March 31, 2025 | May 5, 2025 |
| January 13, 2025 | Terms 2, 2A and 2B | March 25, 2025 | May 5, 2025 |
| January 13, 2025 | Terms 2, 2A and 2C | March 25, 2025 | May 5, 2025 |
| January 13, 2025 | Terms 2, 2B and 2C | March 25, 2025 | May 5, 2025 |
| January 13, 2025 | Terms 2A, 2B and 2C | March 25, 2025 | May 5, 2025 |
| January 13, 2025 | All Terms | March 25, 2025 | May 5, 2025 |
| Class Start Date | Terms | Earned 100% of Title IV Funds | Class End Date |
|---|---|---|---|
| May 12, 2025 | Term 3 | June 22, 2025 | July 17, 2025 |
| May 12, 2025 | Term 3A | June 7, 2025 | June 23, 2025 |
| June 24, 2025 | Term 3B | July 20, 2025 | August 4, 2025 |
| May 12, 2025 | Terms 3 and 3A | June 22, 2025 | July 17, 2025 |
| May 12, 2025 | Terms 3 and 3B | June 30, 2025 | July 17, 2025 |
| May 12, 2025 | Terms 3A and 3B | July 2, 2025 | August 4, 2025 |
| May 12, 2025 | All Terms | July 2, 2025 | August 4, 2025 |
| Class Start Date | Terms | Earned 100% of Title IV Funds | Class End Date |
|---|---|---|---|
| August 18, 2025 | Term 1 | October 23, 2025 | December 5, 2025 |
| August 18, 2025 | Term 1A | September 19, 2025 | October 8, 2025 |
| October 9, 2025 | Term 1B | November 13, 2025 | December 5, 2025 |
| September 8, 2025 | Term 1C | October 23, 2025 | November 14, 2025 |
| August 18, 2025 | Terms 1 and 1A | October 23, 2025 | December 5, 2025 |
| August 18, 2025 | Terms 1 and 1B | October 23, 2025 | December 5, 2025 |
| August 18, 2025 | Terms 1 and 1C | October 23, 2025 | December 5, 2025 |
| August 18, 2025 | Terms 1A and 1B | October 23, 2025 | December 5, 2025 |
| August 18, 2025 | Terms 1A and 1C | October 11, 2025 | November 14, 2025 |
| September 8, 2025 | Terms 1B and 1C | November 1, 2025 | December 5, 2025 |
| August 18, 2025 | Terms 1, 1A and 1B | October 23, 2025 | December 5, 2025 |
| August 18, 2025 | Terms 1, 1A and 1C | October 23, 2025 | December 5, 2025 |
| August 18, 2025 | Terms 1, 1B and 1C | October 23, 2025 | December 5, 2025 |
| August 18, 2025 | Terms 1A, 1B and 1C | October 23, 2025 | December 5, 2025 |
| August 18, 2025 | All Terms | October 23, 2025 | December 5, 2025 |
| Class Start Date | Terms | Earned 100% of Title IV Funds | Class End Date |
|---|---|---|---|
| January 12, 2026 | Term 2 | March 24, 2026 | May 4, 2026 |
| January 12, 2026 | Term 2A | February 13, 2026 | March 4, 2026 |
| March 5, 2026 | Term 2B | April 14, 2026 | May 4, 2026 |
| January 26, 2026 | Term 2C | March 8, 2026 | April 10, 2026 |
| January 12, 2026 | Terms 2 and 2A | March 24, 2026 | May 4, 2026 |
| January 12, 2026 | Terms 2 and 2B | March 24, 2026 | May 4, 2026 |
| January 12, 2026 | Terms 2 and 2C | March 24, 2026 | May 4, 2026 |
| January 12, 2026 | Terms 2A and 2B | March 24, 2026 | May 4, 2026 |
| January 12, 2026 | Terms 2A and 2C | March 3, 2026 | April 10, 2026 |
| January 26, 2026 | Terms 2B and 2C | March 30, 2026 | May 4, 2026 |
| January 12, 2026 | Terms 2, 2A and 2B | March 24, 2026 | May 4, 2026 |
| January 12, 2026 | Terms 2, 2A and 2C | March 24, 2026 | May 4, 2026 |
| January 12, 2026 | Terms 2, 2B and 2C | March 24, 2026 | May 4, 2026 |
| January 12, 2026 | Terms 2A, 2B and 2C | March 24, 2026 | May 4, 2026 |
| January 12, 2026 | All Terms | March 24, 2026 | May 4, 2026 |
| Class Start Date | Terms | Earned 100% of Title IV Funds | Class End Date |
|---|---|---|---|
| May 11, 2026 | Term 3 | June 21, 2026 | July 16, 2026 |
| May 11, 2026 | Term 3A | June 6, 2026 | June 22, 2026 |
| June 23, 2026 | Term 3B | July 19, 2026 | August 8, 2026 |
| May 11, 2026 | Terms 3 and 3A | June 21, 2026 | July 16, 2026 |
| May 11, 2026 | Terms 3 and 3B | July 1, 2026 | August 3, 2026 |
| May 11, 2026 | Terms 3A and 3B | July 1, 2026 | August 3, 2026 |
| May 11, 2026 | All Terms | July 1, 2026 | August 3, 2026 |