Q: Is there an age limit to receive federal student aid?
A: There is no age limit. Almost everyone is eligible for some type of federal student financial aid.

Q: I attended college years ago and earned some college credit. I’m currently working and would like to know if I would be eligible for any financial assistance?  Where do I start?
A: As with someone who’s never been to college or who is not working, you start with filing the FAFSA.

Q: Is that the financial aid application? Is there an application fee?
A: No, applying is free, and FAFSA stands for Free Application for Federal Student Aid. You can file at www.fafsa.gov.  It covers all the major federal student financial aid programs, like the Pell Grant, SEOG, and Federal Work-Study, etc. It is also necessary to apply for a Federal Direct Loan.

Q: How about aid from the state or the city?
A: The other major financial aid program for New York State residents is TAP. To receive TAP and most NYS scholarships you must be taking at least 12 credits that count toward your major, and you must be a NYS resident for at least 12 months before the month in which the semester begins.

Q: How do I apply for TAP and other New York State aid?
A: As you complete the FAFSA, there will be a link to www.tapweb.org, where you can complete the TAP application.

Q: Do I need to report my income?
A: On the FAFSA, you report your income along with asset information. The numbers of years of income you need to report are detailed on the form. Visit the Financial Aid website for more information.

Q: I lost my job and decided I would like to go back to school. I no longer have that income. Can I do anything about that?
A: Yes. You can speak with a financial aid counselor to discuss the possibility of adjusting the income that you report on the FAFSA.

Q: What is the Federal Direct Loan? Are student loans considered financial aid?
A: Yes, student loans are considered financial aid. The Federal Direct Loan is a program from which students can borrow money to pay the costs of attending college.

Q: Do students need to pass a credit check to receive a Direct Loan?
A: No, a credit check is not required for students to receive a Federal Direct Loan.

Q: Does that mean I can receive a Direct Loan, if I don’t have any credit or I am not working?
A: Yes. You may qualify for a Direct Loan whether you’re working or not, and regardless of your credit history.

Q: What is a Parent Plus Loan? Is that credit-based?
A: The Federal Parent Plus Loan is credit-based. It is a loan that a parent takes out from the federal government to pay the costs of attendance for a dependent child taking 6 credits or more (or the equivalent) as a matriculated student in a post-secondary institution. If the parent does not pass the credit check by the US Department of Education, the loan is denied.

Q: I am looking to change my career and want to come back to school. I already received a bachelor degree.  Is