Financial Aid Programs

To be eligible for financial aid assistance, you must:

  • Complete the FAFSA;
  • Be a U.S. citizen or an eligible non-citizen;
  • Be enrolled in a diploma or associate degree program;
  • Maintain Satisfactory academic progress;
  • Not be in default of a federal educational loan or owe a refund on an federal / state educational grant;
  • Meet other regulations as noted.
  • Have a high school diploma or GED®.

Federal Pell Grant

The Federal Pell Grant is based on the Expected Family Contribution (EFC), which is calculated by the Department of Education based on the information listed on the FAFSA form, the number of credit hours per semester and your cost of attendance. If you are enrolled for less than 12 credit hours, the Pell award is calculated as follows:

Credit Hours Pell Award Calculation
9 - 11 hours 75% Pell semester award
6 - 8 hours 50% Pell semester award
5 or less hours 25% Pell semester award

Federal Pell Grant funds are not available for certificate, special admit, transient, non-degree, learning support and high school students. This grant is also limited to 12 full-time semesters. Federal funds will only pay for one repeat of a previously passed course.

Ability to Benefit

Beginning July 1, 2015 students enrolled in both Adult Education and Career Pathways Programs can receive federal Pell Grant funds. These students must maintain enrollment in both Adult Education (GED®) classes and college credit classes to maintain eligibility for federal Title IV funds. Once a GED® is obtained you will no longer be classified as an Ability to Benefit student.

Federal Supplemental Educational Opportunity Grant (FSEOG)

The Federal Supplemental Educational Opportunity Grant is awarded based on your EFC number, when you apply, your financial need and funds available. FSEOG funds are not available for certificate, special admit, transient, non-degree, learning support and high school students. Students with the lowest EFC numbers receive priority. FSEOG awards range from $100 to $1,000 a year.

Federal Work-Study Program

This program provides part-time jobs for students with financial need. Students are paid $8.00 an hour and are limited to 20 hours a week. Students must first work in order to get paid. Students must be enrolled in at least 6 credit hours.

Georgia Hope Grant

This is a state grant funded by the Georgia Lottery. The HOPE Grant covers some tuition (certificate and/or diploma). Recipients must be residents of Georgia. Students must have at least a 2.0 GPA at 30 hours and 60 paid semester hours to maintain HOPE Grant. Students can only regain the HOPE Grant one time. The HOPE Grant is limited to 63 credit hours. The HOPE Grant will pay for learning support courses as a requirement for the completion of a diploma or certificate program; however, the hours will be counted toward the 63 Hope credit hour limit. Students cannot receive the HOPE grant after obtaining a bachelor's degree. 

Zell Miller Grant

Georgia's Zell Miller Grant is available to Georgia residents who are working towards a certificate or diploma at a Technical College System of Georgia (TCSG) or University System of Georgia (USG) institution. Zell Grant covers full tuition. A minimum 3.5 cumulative postsecondary GPA, at the end of each term, is required in order to maintain eligibility. Students who have earned a bachelor’s degree are ineligible for the Zell Miller Grant. Like HOPE grant the Zell Miller Grant has a 63 paid grant hour cap.

Georgia Hope Scholarship

This scholarship is funded by the Georgia Lottery. The HOPE Scholarship covers some tuition for students seeking a degree at a technical college or university. The student must be a 1993 or later high school graduate with a 3.0 grade point average (GPA) in a college preparatory track or a 3.2 GPA in a technical curriculum track to be eligible for the HOPE Scholarship. Students become ineligible for HOPE scholarship seven years after the date they graduated high school or equivalent. Active duty military service time does not count against the seven-year period.

A non-traditional student may qualify for the HOPE scholarship after completing 30 credit hours towards their degree and maintaining a 3.0 GPA. GPAs are recalculated at 30, 60 and 90 semester hours, and after each spring semester, at which time the student must maintain a 3.0 GPA to retain the HOPE Scholarship. The scholarship is limited to 127 combined Hope Grant / Scholarship credit hours. Students can only regain the HOPE scholarship one time. The student must be a Georgia resident. This scholarship does not pay for learning support classes.

Georgia Hope GED®

Students who earn a GED® on or after July 1, 1993, receive a $500 voucher that can be applied toward the cost of education. Students must meet HOPE residency requirements to redeem the voucher.

Zell Miller Scholarship

This scholarship is funded by the Georgia lottery. The Zell Miller Scholarship covers 100% of tuition for students who are the Valedictorian or Salutatorian for their graduating class; or received a score of at least 1,200 combined critical reading score and math score on a single administration of the SAT or an ACT composite scale score of at least 26 and graduated from high school with at least a 3.7 calculated GPA. Students must be enrolled in a degree program. Students must have a 3.3 GPA at all checkpoints (30, 60 and 90 semester hours), at the end of spring and at the end of 3 part time terms for beginning students. Students who lose eligibility may regain the scholarship once. Students who lose eligibility for the Zell Miller Scholarship may continue to receive the HOPE scholarship if they are eligible. Degree classes taken at any post-secondary institution are counted in the GPA calculation. Funds are disbursed to the students account during the first week of the term.

HOPE Career Grant

The HOPE Career Grant is for Hope/Zell Grant eligible students in high demand programs: Child Development Specialist Certificate, Commercial Truck Driving (1 term only), Computer Engineering Technology, Design and Media Production Technology Diploma, Electronics Fundamentals Diploma, Electronics Technology Diploma, Engineering Technology Fundamentals Certificate, Computer Forensic & Investigation Specialist, Computer Hardware & Network Technician Certificate, Computer Programming, Convergent Telecommunications Technology Diploma, Cybersecurity Diploma, Java Programmer, Early Childhood Care and Education Diploma, Diesel Equipment Technology Diploma, Infant Toddler Care Specialist Certificate, Medical Front Office Assistant Certificate, Networking Specialist Diploma, Pharmacy Technology Diploma, Pipe Welder Certificate, Surgical Technology Diploma, Web Site Design Diploma, Welding and Joining Technology Diploma.

Please check for the most current listing of eligible programs. 

Student Loans

Loans are money borrowed that must be repaid, with interest. Eligible students must be enrolled at least 6 credit hours to receive a federal loan. A student must sign a promissory note, and complete entrance/exit counseling. Please refer to the Federal Student Guide detail information.

Federal Direct Stafford Student Loans

These loans are backed by the federal government. Credit checks are not required. An origination fee of 1.062% is charged by the U. S. Department of Education and is paid from the loan disbursement. There are two types of Stafford Loans: subsidized and unsubsidized. Students must have a financial need to receive a subsidized Stafford Loan. The U.S. Department of Education will pay the interest on a subsidized Stafford Loan during certain enrollment periods. Currently all federal subsidized student loan undergrads have a fixed interest rate of 4.53%. The interest rate is subject to change. Federal funds will only pay for one repeat of a previously passed course.

Subsidized loans are limited to 150% of a student's program length. Once this time has passed, students can only receive unsubsidized student loans. See for more information.

Federal unsubsidized loans will charge interest while in school. The interest can either be paid or applied to the principle. Currently, unsubsidized loans have a fixed interest rate of 4.53%. The interest rate is subject to change.

Federal Stafford Loans have yearly limits. The limits are:

Dependent Undergraduates

Freshmen $3,500* plus an additional $2,000 unsubsidized
Sophomores $4,500* plus an additional $2,000 unsubsidized
Maximum Limit $31,000* which no more than $23,000 can be subsidized

Independent Undergraduates

Freshmen $9,500* (not to exceed $3,500 subsidized per year)
Sophomores $10,500* (not to exceed $4,500 subsidized per year)
Maximum Limit $57,500* which no more than $23,000 can be subsidized

All students are required to complete a promissory note and entrance counseling. Please borrow responsibly.

The Federal Subsidized Student loan is awarded during our awarding process. Loans are awarded based on need, after grants and scholarships are awarded. If awarded, students will have the option to accept, adjust or decline the federal student loan on Banner Student Web. A paper application is required for unsubsidized loans.

Other Available Aid

Rehabilitation Services:

Provides assistance to qualified students with physical, mental and/or emotional disabilities. Application is made through the local office of Rehabilitation Services, and assistance on-campus is provided through the coordinator of disabled student services.

Social Security Benefits:

For information concerning Social Security payments while attending Albany Tech, the applicant should contact the local Social Security Office.

Workforce Investment Opportunity Act (WIOA):

A federally funded program locally operated by the Southwest Georgia Workforce Investment Board, designed to mobilize and integrate public and private partners to educate, train, and place individuals with the necessary skills and resources in jobs to fulfill employer needs. Eligible and suitable participants can be provided assistance with occupational skills training and supportive services while attending training. The Southwest Georgia Workforce Investment Board can provide services to residents of the following counties: Baker, Calhoun, Colquitt, Decatur, Dougherty, Early, Grady, Lee, Miller, Mitchell, Seminole, Terrell, Thomas, and Worth. Please call 229-430-5010. Students in Randolph and Clay counties please contact Lower Chattahoochee Local Workforce Investment Area at 706-225-3812 for more information. Students in Crisp, Dooly, Macon, Marion, Schley, Sumter, Taylor and Webster counties please contact Sandhya Muljibhai at 229-931-5101 for more information.

Bright from the Start/BFTS (Georgia Department of Early Care and Learning):

BFTS provides financial help through its “SCHOLARSHIPS” program. “SCHOLARSHIPS” is for childcare staff and family daycare home providers who work in licensed centers or registered homes. An individual preparing for work that is interested in working in a childcare program, but not yet employed, does not qualify for this financial assistance. “SCHOLARSHIPS” considers wages, position, hours of employment, length of employment, and work setting in determining eligibility for this financial assistance. SCHOLARSHIPS pays, directly to the institution, 80% of fees not covered by HOPE or PELL if enrolled in a public two- or four-year institution in an early childhood care and education program of study. It does not cover course work offered through Continuing Education—only academic, credit-bearing course work is covered. At private institutions, SCHOLARSHIPS awards up to $1800 per semester after HOPE and PELL have been applied.

Many teachers may not need tuition assistance but SCHOLARSHIPS also provides a cash stipend of $200, directly to the teacher each semester or $150 each quarter that he/she is enrolled in an eligible program. The student receives the stipend regardless of their financial aid status. Finally, there is a one-time CDA (a national credential) assessment fee scholarship available through this program. For all your questions regarding “SCHOLARSHIPS” please call Care Solutions directly at 1-800-227-3410 to talk with their trained staff.