Financial Aid at NHTI
Below you will find financial aid information, policies, resources, and FAQs.
Financial Aid comes in three forms. Students may receive any or all of these forms of aid:
- Grants, which do not have to be repaid
- Loans, which must be repaid
- Work-Study, part-time jobs from which a student earns an hourly wage
- LOAN REPAYMENT Visit StudentAid.gov – Loan Repayment for information on loan repayment.
- To be eligible for financial aid you must be matriculated (formally accepted) in a financial aid eligible program, a program with a total program credits of 16 or more.
- Full-time = 12 or more credits per semester
- 3/4 time = 9 – 11 credits per semester
- Part-time = 6 – 8 credits per semester
- Start the financial aid process by creating an FSA ID.
- Log into FAFSA using your FSA ID and complete your Free Application for Federal Student Aid (FAFSA).
- NHTI Concord’s Community College School Code: 002581.
The 2025-2026 FAFSA is the application for Summer 2025, Fall 2025, and Spring 2026.
If you can answer any of the following questions with a YES, then you are considered an independent student. Independent students are not required to provide parental information.
- Were you born before January 1, 2001?
Are you married? - Are you serving, or have you served, in the U.S. armed forces?
- Do you have dependents that you support?
- At any time since you turned age 13, were both your parents deceased, were you in foster care, or were you a dependent or ward of the court?
- Has it been determined by a court in your state of legal residence that you are an emancipated minor or that someone other than your parent or stepparent has legal guardianship of you? (You also should answer “Yes” if you are now an adult but were in legal guardianship or were an emancipated minor immediately before you reached the age of being an adult in your state. Answer “No” if the court papers say “custody” rather than “guardianship.”)
- At any time on or after July 1, 2023, were you determined to be an unaccompanied youth who was homeless or were self-supporting and at risk of being homeless, as determined by (a) your high school or district homeless liaison, (b) the director of an emergency shelter or transitional housing program funded by the U.S. Department of Housing and Urban Development, or (c) the director of a runaway or homeless youth basic center or transitional living program?
- Other unusual circumstances – Dependency Override
A new FAFSA must be filed each year.
Begin Enrollment | FAFSA Year | Best to File By |
Spring 2026 | 2025-2026 | October 1, 2025 |
Summer 2026 | 2026-2027 | April 1, 2026 |
Fall 2026 | 2026-2027 | June 1, 2026 |
Spring 2027 | 2026-2027 | October 1, 2026 |
The FAFSA will be sent to NHTI electronically. You will receive an email with the next step in the process.
Some students are randomly selected for verification. This requires you to complete a verification worksheet as well as supplying any additional documentation requested by the college.
Review the status of all requirements on the ‘Financial Aid Status’ page of the Student Information System (SIS). Log into SIS at https://sis.ccsnh.edu, select ‘Financial Aid,’ then ‘Financial Aid Status’.
Read your aid offer carefully and review Sources of Aid for more information about the types of aid offered.
Call us if you have questions about your eligibility.
Accept or decline your financial aid and finalize your aid package online in the Student Information System
Contact the Financial Aid Office for personalized assistance.
Try to borrow only what you need to cover tuition, fees, books, and supplies.
Consider a Federal Work Study job instead of borrowing
Complete loan requirements:
First time borrowers at NHTI are required to visit studentaid.gov to complete both the Entrance Counseling and Loan Agreement (MPN).
- Log in to your Student Information System (SIS) account at SIS
- Click Financial Aid
- Open the Aid Year dropdown in the top right corner
- Select 2025-2026
- Click on the Home
- Review and respond to Questions from the Financial Aid Office. This is where you can approve excess financial aid for use at the bookstore.
- Scroll to review your Student Requirements and ensure they are marked green and/or satisfied.
- Click on the Offer tab.
- Scroll down to the Loans section and either accept the loans in full, accept a partial amount, or decline your loan offers.
- The total student loan amount you enter will be evenly distributed across all terms. Grants and scholarships are automatically accepted since they don’t require repayment. Be aware that federal student loans will include fees, so the listed amount reflects what you borrow before deductions, not the actual amount you’ll receive.
Students accepting a Federal Direct Loan for the first time must complete Loan Entrance Counseling and the Master Promissory Note.
Federal Work Study opportunities are not included on students’ aid offers. This program can help students earn money to pay for college. If you are interested, please contact the Financial Aid Office to check your eligibility and receive next steps.
Has your financial situation changed? Click here for more information.
Log into SIS and complete the financial aid acceptance process (Guide to Accepting Aid Online PDF) and answer yes to the first question on the Resources/Additional Information tab.
When the book advance becomes available (check Registration Policies and Deadlines sheet at Registration Documents & Forms for dates) you should have the option to use financial aid to pay for your books at the NHTI bookstore. For help using the financial aid option on the NHTI Bookstore Website, please contact the bookstore at https://www.bkstr.com/nhticoncordccstore/home.
If you accept an amount that exceeds your semester charges, you may be eligible to receive a financial aid refund.
All refunds are processed through the NHTI Bursar’s Office. You can reach them at [email protected] for refund inquires.
Federal Work-Study jobs help students earn money to pay education expenses. Work-study is available to full-time or part-time students. It is administered by the Financial Aid Office. Contact the Financial Aid Office to find out more information on this program. [email protected].
Loans
Federal Direct Stafford loans are fixed-rate student loans that do not require you to make any payments until 6 months after you leave college or reduce your course load below 6 credit hours.
Parents’ Loan for Undergraduate Students (PLUS) allows parents of dependent students to borrow in their own name through the Federal Direct Loan Program to help meet educational expenses. Click here for more information: www.studentaid.gov
Private Educational loans may be available to you once you have exhausted all federal and state aid options. Consider a private educational loan.
Cohort default rate is the percentage of a school’s borrowers who enter repayment on certain Federal Family Education Loan (FFEL) Program or William D. Ford Federal Direct Loan (Direct Loan) Program loans during a particular federal fiscal year (FY), Oct. 1 to Sept. 30, and default or meet other specified conditions prior to the end of the second following fiscal year. The U.S. Department of Education releases official cohort default rates once per year. The NHTI most recent cohort default rate/repayment rate is 2.0%.
If you are accepting federal loans for the first time at NHTI, you will also need to complete the required MPN on-line at https://studentaid.gov/mpn/ and Entrance Counseling at https://studentaid.gov/entrance-counseling/ NHTI will be notified electronically in approximately 48 hours.
Students who have received a federal subsidized, unsubsidized or PLUS loan(s) are required to complete Exit Counseling each time they drop below half-time enrollment, graduate, or leave school. Exit counseling provides important information on how to manage your student loan repayment, including your rights and responsibilities as a borrower.
You will need your US Department of Education FSA ID (this is the same FSA ID you used to file your FAFSA). If you do not remember your FSA ID or password, you may recover these at Studentaid.gov by clicking log in, use email or phone and forgot my password. Here will direct you to redo password.
To complete the counseling process, log in at studentaid.gov
- Click on “Loan Repayment
- Click on “Loan Exit Counseling” and Log In To Start
Important Policies and Disclaimers
- Make note of your term’s deadline to drop with 100% refund.
- Consult with us if you plan to change your schedule. Registration changes almost always affect your financial aid eligibility. We can help you plan if you call us before adding or dropping classes.
- You must attend class to be eligible for financial aid payment. If you fail to appear for a course and are issued a grade of “N/A” then financial aid will not pay for the course, and you will be responsible for the course charges.
- Pell Recalculation Date
- Pell Grant, SEOG, and Unique Scholarship are calculated based on your registered credits each term as of the freeze date, and your grant funds will be disbursed according to that enrollment status.
- If you add a class after the freeze date, your grants will not be increased to pay for the additional credits.
- If you drop a class after the freeze date, your grants may not be reduced, unless you drop a class for a full refund, or you are issued a grade of “N/A.”
- Financial Aid funds will be disbursed to your NHTI student account beginning about 30 days after your enrollments starts.
- Disbursements for late start terms are delayed until after the add/drop period has closed. This means that certain financial aid funds may not be disbursed to you until well after the midpoint of the semester.
Please note that the following section was taken directory from the CCSNH Student Financial Aid Handbook.
The Financial Aid Office is required by federal regulations to periodically review financial aid recipients to ensure that they are making academic progress towards the completion of their program of study. Satisfactory academic progress for financial aid recipients is measured by both qualitative and quantitative standards and is an assessment of a student’s cumulative academic record while in attendance at the institution.
| Qualitative – Cumulative GPA (CGPA) Component: Must have earned the required CGPA at the published intervals |
| Quantitative – Pace (Completion Rate) Component: Must complete at least 67% of the credits attempted, rounded to the nearest percent. |
| Quantitative – Maximum Time Frame Component: Must complete the program of study within 150% of the time frame allowed |
In general, coursework that is taken while in attendance at the CCSNH institution is considered when reviewing a student’s academic record for satisfactory academic progress. However, there are some exceptions. Please see the section on Treatment of Repeated Courses, Audited Courses, Incompletes, Developmental/Remedial Courses, English as a Second Language Courses (ESOL), Credits by Examination, Non-punitive Grades, Pass/Fail Grades, and Withdrawals.
Qualitative Standard – Cumulative GPA (CGPA) Component
A student must maintain a minimum cumulative grade point average as noted below in order to make satisfactory academic progress. A GPA calculator is available at
https://www.ccsnh.edu/admissions/gpa-calculator/.
Quantitative Standard – Pace (Completion Rate Component) and Maximum Time Frame Component
The quantitative standard of the satisfactory academic policy is comprised the following two elements:
- Pace (Completion Rate Component): A student must complete at least 67% of the total credits he/she attempted throughout his/her academic career at the college, rounded to the nearest percent. All attempted credits, including transfer credits, will be included in the quantitative calculation. For example, a student who has attempted 36 credits at the college must earn credit for at least 24 credits in order to meet the requirements of satisfactory academic progress.
- Maximum Time Frame Component: In order to be eligible for federal student aid, students must complete the program of study within 150% of the time frame allowed. For example, a student enrolled in a 60 credit degree program must complete the program before exceeding 90 attempted credits. Developmental and remedial classes may be excluded from the 150% calculation. Throughout enrollment, as soon as it can be determined that a student is not on target to graduate within 150% of the standard program length, financial aid will be suspended. Students may be identified and suspended as they reach the 150% time limit, but the college understands there are situations such as enrollment for a second or subsequent degree, a change of major, or the non-applicability of transfer credit that could result in a student needing a reset of the Quantitative – Maximum Time Frame Component. For example, for a student who changes majors, only coursework attempted that is applicable to the new program of study may be counted in the maximum time frame.
Once it has become apparent a student will be unable to complete their academic program within the maximum time frame, either by falling below the pace standard or by having attempted 150% of the credits required to complete their academic program, the student becomes ineligible for Title IV aid.
| Total GPA Hours at Institution | Associate Degree or Certificate Program |
|---|---|
| 0-13 | 1.50 |
| 14-27 | 1.70 |
| 28-40 | 1.80 |
| 41+ | 2.00 |
Academic Periods Included in the Review
The qualitative and quantitative standards of the Satisfactory Academic Progress policy will be used to review the academic progress for all periods of the student’s enrollment. Even periods in which the student did not receive federal student aid will be included in the review. Additionally, periods for which the student was granted academic amnesty will be included in the review.
Timing of the Review
The Financial Aid Office of the CCSNH institution will evaluate a financial aid recipient’s satisfactory academic progress upon completion of each semester within the academic year of the program the student is enrolled in.
Results of the Review Meeting
- Satisfactory Academic Progress (SAP): Standards Students who meet SAP standards will be coded as making Satisfactory Academic Progress and will retain eligibility for federal student aid for the next semester of enrollment.
- Satisfactory Academic Progress (SAP) Warning: Students who do not meet SAP standards will be placed on SAP warning for one semester. Students placed on SAP warning will retain eligibility for federal student aid for the warning semester. At the end of the warning period, SAP standards will be reviewed. If the student meets SAP standards, he/she will be coded as making Satisfactory Academic Progress and retain eligibility for federal student aid for the next semester of enrollment. If the student is still unable to meet SAP standards, he/she will be ineligible for federal student aid at the institution until he/she is able to meet SAP standards or granted Probation.
- Satisfactory Academic Progress (SAP) Suspension: If the student is still unable to meet SAP standards after his/her Warning Period, he/she will be ineligible for federal student aid at the institution until he/she is able to meet SAP standards or has been granted Probation.
- Satisfactory Academic Progress (SAP) Probation: A student who becomes ineligible for federal student aid may appeal for a review of that determination. If the appeal is granted, a student is assigned Probation status. Generally, all students must have an academic plan if he/she requires more than one semester to reestablish financial aid eligibility. During Probation, the student is eligible to receive federal student aid.
Appeal Process
A student who becomes ineligible for federal student aid may appeal for a review of that determination. The student appeal request and any supporting documentation or degree audit must be submitted to the Financial Aid Office. A successful appeal results in Probation and allows the student to be eligible for federal student aid for his/her probationary period.
A student choosing to submit an appeal of his/her SAP review results may be requested to submit the following information to the Financial Aid Office:
- A written explanation of the circumstances that prevented him/her from achieving SAP standards, documentation of any extenuating circumstances, and what has changed in his/her situation that will allow him/her to achieve satisfactory academic progress unless the situation was evident. The Financial Aid Appeals Committee reserves the right to request further information from the student to support information provided in his/her explanation.
- An academic plan which the student will follow to regain satisfactory academic progress.
- If a student changes curriculum programs, is working toward multiple degrees/certificates, or graduates and enrolls in a second degree and then reaches 150% of the credits required for the new degree (or primary degree/certificate in the case of multiple degrees/certificates), a degree audit or academic plan may be requested with the appeal and will be evaluated on an individual, case-by-case basis.
Regaining Eligibility
Unless an appeal is granted, a student can regain financial eligibility only by taking action that brings him/her into compliance with both the qualitative and quantitative components of the CCSNH institution’s Satisfactory Academic Progress policy. If a financial aid recipient believes he/she is meeting Satisfactory Academic Progress standards, then he/she can request to have his/her SAP standing reviewed upon completion of the semester. If the student is found to be meeting both the qualitative and quantitative components of the SAP policy and to not have exceeded maximum time frame, then his/her status will be updated to reflect he/she is meeting Satisfactory Academic Progress standards, and the student will be eligible to receive Title IV financial aid the next semester.
| Satisfactory Academic Progress FAQ | |
|---|---|
| When is my academic progress reviewed? | At the end of each semester |
| What academic periods are included? | All periods, even those in which the student did not receive financial aid, was in a different major, or was granted academic amnesty |
| What are the results of the review? | Satisfactory Academic Standing, Warning, or Suspension |
| What does Warning mean for me? | Students who do not meet SAP standards will be placed on SAP warning for one semester. Students placed on SAP warning will retain their eligibility for federal student aid for their warning semester. |
| What happens at the end of the Warning Period? | At the end of the Warning Period, SAP standards will be reviewed. If the student meets SAP standards, he/she will once again be coded as making Satisfactory Academic Progress and will retain his/her federal student aid eligibility for his/her next semester. If the student is still unable to meet SAP standards, he/she will no longer be eligible to receive federal student aid at the institution until such time that he/she is able to meet SAP standards or has been granted Probation. |
| What does Suspension mean for me? | The student will no longer be eligible to receive federal student aid at the institution CCSNH Student Financial Aid Handbook Last Update by FAUG 09/20/2023 Page 21 of 26 until such time that he/she is able to meet SAP standards or has been granted Probation |
| Is there an appeal process if my aid is suspended? | Yes, please see the section on the Appeal process. |
| Can you regain financial aid eligibility once it has been suspended? | Yes, please see the section on Regaining Eligibility. |
| What does Probation mean? | A student who becomes ineligible for federal student aid may appeal for a review of that determination. If the appeal is granted, a student will be assigned Probation status. During Probation, the student will be eligible to receive federal student aid funding |
NHTI is required to provide information published by the U.S. Department of Education to you any time information on loan availability is provided. If we enter into an agreement with you or your parent regarding a Title IV, HEA loans are required to inform you that the loan will be submitted to the National Student Loan Data System (NSLDS) and accessible by guaranty agencies, lenders, and schools determined to be authorized users of the data system.