• Grants
  Grants and scholarships are considered gifts and need not be repaid.
  
• Scholarships
  The HCC Scholarship Handbook is a comprehensive guide to available scholarships.
  
• Loans
  Low-interest loans are usually repaid over an extended period of time after the student leaves college.
  
• Employment/Federal Work Study
  This type of aid refers to an hourly wage paid to the student for work. See your campus Financial Aid Office for more information.
  
  Federal Financial Aid Programs:
  
  
• Pell Grant
  This grant, based upon financial need, does not have to be repaid. Awards range from $400 to $5,550 per year.
  
• Supplemental Educational Opportunity Grant
  This grant is based upon exceptional financial need that does not have to be repaid. Amount $1,200 per year.
  
• Federal Work-Study(FWS)
  Students are paid an hourly wage for working on campus for 15 to 20 hours per week, at the approved Board of Trustees Salary Schedule.
  
• Stafford Loan
  This is a long term loan repayable at a variable interest rate up to 8.25%. First-year students can borrow up to $3,500 per year. Second-year students can borrow up to $4,500 per year. Second-year students include those students who have completed 30 credit hours toward their degree, not including college preparatory credits.
  
• Unsubsidized Stafford Loan
  This long term loan can substitute or be in addition to the subsidized Stafford Loan. Payment begins immediately, but principle deferments are available. Interest accrues at a variable rate up to 8.25% while the student is attending college. For detailed information regarding loan amounts, students should contact a campus financial aid office.
  
• PLUS Loan (Parent Loan for Undergraduate Students)
  This program enables parents who do not have an adverse credit history to borrow funds to pay for the education of dependent children. PLUS borrowers do not have to demonstrate financial need. PLUS Loans have a variable interest rate, not to exceed 9% per year. Interest accrues while the student attends school. Repayment begins immediately. Parents can borrow up to the cost of education, minus any other financial aid. Applications are available in the campus financial aid office.
  
  State Financial Aid Programs:
  
  
• Florida Student Assistance Grant (FSAG)
  A grant of between $400 and $1,600 that doesn’t need to be repaid. Application priority deadline is April 15th. To receive a grant, students must enroll for a minimum of 12 credit hours per term.
  
• Florida Teacher Scholarship and Forgivable Loan
  Program, (“Chappie James Most Promising Teacher Scholarship/Loan”)
  Students must apply through their high schools. Students who teach in the state for four years do not have to repay the award.
  
• Florida Bright Futures Scholarship
  Qualified high school seniors are identified by their high school guidance counselors. Students must enroll for a minimum of six credit hours per term. Bright Futures Scholarships include:

• Florida Academic Scholars Award (FAS)  Pays $62 per credit hour.
  
• Florida Gold Seal Vocational Scholars Award (GSV) Pays $47 per credit hours.
  
• Florida Medallion Scholars Award (FMS) Pays $62 per credit hour.