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How to Apply For Aid

All federal grants, loans and federal work study programs are based on the information you provide on the Free Application for Federal Student Aid (FAFSA). The FAFSA can be completed online at https://www.fafsa.gov/.

In order to receive federal financial aid, you must complete the FAFSA and submit it for processing. You must apply for financial aid every year. If you have questions about the FAFSA, please contact the Office of Financial Aid at 631- 420-2578.


FAFSA Online Seven Step Outline

  1. Apply for FSA ID (Federal Student Aid ID at https://fsaid.ed.gov. 
  2. Collect all documents including, income tax transcript, W2 forms and other records of income. A complete list of what you need can be found at https://www.fafsa.gov/. If your tax return is not completed at the time you apply, estimate the tax information, apply and correct the information later.
  3. Complete the FAFSA as early as possible after October 1, preferably by January, in order to meet school and state aid deadlines.  Apply online at https://www.fafsa.gov/. Farmingdale State College’s school code is 002858.  Our Preferred Filing Deadline is March 1st.
  4. Once your FAFSA application is processed, you will receive a Student Aid Report (SAR) in approximately 3-5 days by mail or e-mail (if you provided an e-mail address). Review the SAR and make any changes or corrections and resubmit your SAR for reprocessing. Your complete correct SAR will contain your Expected Family Contribution (EFC). This is the number used to determine your Federal student aid eligibility.
  5. If your SAR is selected for "verification" by the Department of Education, you will be asked to submit additional documents to the FSC Office of Financial Aid. Be sure to hand the information in as quickly as possible, as your application will be on hold until verification is completed.
  6. Contact the Office of Financial Aid at 631-420-2578 with any questions. Review your award letter and make sure you accept or decline any awards and complete any required loan documents online.

Financial Aid Loan Processing


Federal Direct Stafford Loan Borrower Instructions

  1. You must begin by accepting the Federal Direct Stafford Loan via OASIS. Access Oasis
  2. Next, borrowers must complete Entrance Counseling. Complete your Entrance Counseling.  Under "Manage My Direct Loan" sign in and use the same 4 digit pin that you used to sign the FAFSA. Then click on "Complete Entrance Counseling" to begin.
  3. ALL students (including past Stafford Loan borrowers) must complete a new Federal Direct Electronic Master Promissory Note (e-MPN).  Complete your e-MPN. Under "Manage My Direct Loan" sign in using the same 4 digit pin that you used to sign the FAFSA.  Then click on "Complete Master Promissory Note" to begin.

Please note: You must use Windows Explorer 7.0 or Firefox 3.6.3 to complete entrance counseling and the e-MPN.  The Department of Education currently does not support Safari.

All steps listed above must be completed in order for your Direct Stafford Loan(s) to be applied to your account.

Direct Subsidized Stafford Loan

You are eligible for a subsidized Stafford Loan if you are in school at least half-time and demonstrate financial need.  With a subsidized Stafford Loan, the federal government will pay the interest while you're enrolled at least half-time.

Direct Unsubsidized Stafford Loan

Unsubsidized Stafford loans are for students who are enrolled at least half-time and do not demonstrate financial need.  With an unsubsidized Stafford Loan, you are responsible for paying the interest during all periods, starting from the date the loan is first disbursed.

Origination Fees

First Disbursed
On or After

Origination Fee

October 1, 2017


October 1, 2018


Interest Rates

1st Disbursed
On or After

And Before

Interest Rate

July 1, 2018 July 1, 2019 TBA

July 1, 2017

July 1, 2018


UG Annual Loan Limits

Year/Classification Base Amount Additional Unsubsidized Loan Total

Dependent Students












Junior or Senior




Independent Students












Junior or Senior




Aggregate Loan Limits

  • Undergraduate Dependent Students: $31,000 (no more than $23,000 Subsidized Stafford Loan)
  • Undergraduate Independent Students: $57,500 (no more than $23,000 Subsidized Stafford Loan)