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Costs and Financial Aid

A college education is one of the most important investments you will ever make – an investment in yourself and your future. You will learn that college is rewarding, yet has very demanding challenges.  You most likely have concerns about how you will pay for all of our educational expenses.

Here you will find information on the cost of tuition, payment information, financial aid and scholarships offered at Jefferson.

Tuition is based on a per credit hour rate, including courses that are audited. For reporting and financial aid calculation purposes, 12 credit hours per session are considered full-time. Tuition can be paid by one of the following methods:  Online, Cash, Check, Money Order, Third Party Payment, Payment plan or other sources of payment.

For payment information visit the Bursar's office webpage.

The Financial Aid Office takes their role at JCTC very seriously, as they help students fund their educational endeavors.

Funding a college education is a challenge for many families and taking advantage of the student financial assistance provided by federal, state, institutional, and private sources can be confusing and complex. Typically, these student financial assistance programs have rules and regulations that surround the administration of them and we hope to help you achieve success in understanding all of this, as well as, help you secure funding to assist with the expense you will soon encounter. The key to receiving aid is applying and doing so in a timely manner.  Because some aid programs are awarded on a first-come, first-serve basis, an early application receives priority consideration for those limited funding sources.

The How-To-Apply Video will help you understand the steps of applying for financial aid. By clicking on the above link, you will be leaving the JCTC web site. JCTC is not responsible for the information on their web site.

Work very hard to “live like a student."  This often means adjusting your lifestyle. Financial aid is intended to assist you in meeting educational costs – those billed and not billed by JCTC.  And often the aid offered can be heavy on loans.  Financial aid was never intended to cover all of a student’s costs. Additionally, students with spouses and dependents should note that aid typically does not provide enough for family expenses.

For payment assistance, please call 855-2GO-JCTC (855-246-5282.)

Pell Grant Lifetime Eligibility Used

We want to alert you to a recent change in the law that affects Pell Grant awards starting with the 2012-2013 award year and beyond.  This change limits the total number of years a student may receive a Pell Grant to the equivalent of six years.  Since the maximum amount of Pell Grant funding a student can receive each year is equal to 100%, the six year equivalent is 600%.  

How is my Pell Grant Lifetime Eligibility Used calculated?

Scheduled Award:    The maximum amount of Pell Grant funding you can receive is calculated for an “award year.” An award year is a period from July 1 of one calendar year to June 30 of the next calendar year. Your “scheduled award” is partially determined by using your expected family contribution (EFC) that is calculated from the information you (and your family) provided when you filed your FAFSA. Your scheduled award is the maximum amount you would be able to receive for the award year if you were enrolled full-time for the full school year. Your scheduled award represents 100% of your Pell Grant eligibility for that award year.

Percent Used:    To determine how much of the maximum six years (600%) of Pell Grant you have used each year, the Department of Education compares the actual amount you received for the award year with your scheduled award amount for that award year. Of course, if you receive the full amount of your scheduled award, you will have used 100%. Some students do not receive their entire scheduled award for an award year. There are a number of reasons for this, the most common of which are that the student was not enrolled for the full year or that the student was not enrolled full-time, or both.
If you did not receive the full amount of your scheduled award, we calculate the percentage of the scheduled award that you did receive. For example, if your scheduled award for an award year is $5,000, but because you were enrolled for only one semester you received only $2,500, you would have received 50% of the scheduled award for that award year. Or if you received only $3,750 for the award year because you were enrolled three-quarter-time and not full-time, you would have received 75% for that year.

  • Lifetime Eligibility Used (LEU):    The Department of Education keeps track of your LEU by adding together the percentages of your Pell Grant scheduled awards that you received for each award year.  The table below shows examples of the LEUs of three students who received differing amounts of their scheduled awards over a four year period.

See Chart Below for some examples on how Pell Lifetime Eligibility Used works.

Examples of Pell
Lifetime Eligibility Used
  Student A Student B Student C
Award Year 1 Pell Grant Scheduled Award   $5,550   $5,000   $4,000
  Pell Grant Amount Received   $2,775   $3,750   $4,000
  Percent Used    50%    75%    100%
 Award Year 2 Pell Grant Scheduled Award   $5,200   $5,000   $5,550
  Pell Grant Amount Received   $5,200   $5,000   $5,550
  Percent Used    100%   100%    100% 
 Award Year 3 Pell Grant Scheduled Award   $4,700   $5,000   $5,550
  Pell Grant Amount Received   $4,700   $1,250   $5,550
  Percent Used    100%     25%    100%
 Award Year 4 Pell Grant Scheduled Award   $4,700   $5,000   $5,550
  Pell Grant Amount Received   $4,700   $5,000   $5,550
  Percent Used    100%    100%    100%    
 Total Lifetime Eligibility Used – LEU     350%   300%  400%


  • From 2009-10 through 2010-11, it was possible for a student to receive up to two scheduled awards in a year.
  • So some students will have a “percent used” of up to 200% for one or more of those years.
  • Of course, if a student’s LEU equals or exceeds 600%, the student may no longer receive Pell Grant funding.
  • Similarly, a student whose LEU is greater than 500% but less than 600%, while eligible for a Pell Grant for the next award year, will not be able to receive a full scheduled award.

How can I see my Lifetime Eligibility Used (LEU) percentage?