Financial Aid Eligibility Requirements

Admitted SMC Students

As an admitted student at Southwestern Michigan College, you may also view information about your financial aid through SMC Wired. You must have a user name and password to access your SMC Wired account.

Log into your Wired account, go to SMC Self-Service and click on Financial Aid to find complete details.

The following requirements apply to federal, state, and some institutional and private financial aid programs; some programs may have additional requirements. In order to be eligible for financial aid, an applicant must have a complete financial aid file and:

  1. complete the Free Application for Federal Student Aid (FAFSA) by March 1 for priority consideration,
  2. have earned a high school diploma or G.E.D.,
  3. be enrolled as a student working toward a degree or certificate program at SMC,
  4. be a U.S citizen or eligible non-U.S. citizen,
  5. be registered with Selective Service if male (males are required to register upon turning 18),
  6. not currently be in federal loan default or owe a refund on a federal grant,
  7. not be concurrently receiving financial aid from another institution and
  8. be making satisfactory academic progress.

Calculating Financial Need

Financial need is determined by subtracting the Expected Family Contribution (as determined by the FAFSA) from the student’s cost of attendance (budget). The cost of attendance is based on the average educational and living expenses for a student attending SMC. It does not represent an individual student’s actual costs.

If a student is a dependent student (as determined by the FAFSA), the federal government assumes that parents first, then students, have the primary obligation to provide for the student’s educational cost to the extent that they are able, based on a standardized method of determining parental contribution. The student’s Expected Family Contribution may come from personal earnings, savings and assets and may include the use of student loan funding.

If a student is an independent student (as determined by the FAFSA), the federal government assumes that the student has the primary obligation to provide for the cost of education to the extent the student is able, based on a standardized method of determining student contribution. The student’s Expected Family Contribution may come from personal earnings, spouse’s earnings (if applicable), savings and assets and may include the use of student loan funding.

Cost of Attendance
- Expected Family Contribution
= Financial Need

Award offers are subject to change and are determined based on the latest information received. Students are responsible for reporting information which may alter an award offer, such as changes in income or previous aid received at another institution in the same academic year. Students are responsible to view the most recent award information through SMC Wired Self-Service.