Sources of Aid

There are five main types of student financial aid:

  1. Federal Grants: Requires a FAFSA application. Grants are need based and given without repayment requirements.
  2. Federal Work Study: Requires a FAFSA application. This program allows students to earn money to pay for their college education. These positions are not guaranteed.
  3. State Programs: State sponsored programs such as Tuition Incentive Program, Michigan Competitive Scholarship (MCS), Michigan Education Trust (MET), and Michigan Education Savings Plan (MESP).
  4. Scholarships: Are given without repayment requirements but may have many factors involved in meeting requirements, often need and academic levels. There is a separate application required. A number of scholarships may require that a student has completed a FAFSA.
  5. Loans: Requires a FAFSA application. Funds are available to both students and their parents. All loans must be repaid with interest. Repayment begins when you are no longer attending college at a part-time credit level or graduation.

Be sure to explore other sources of financial aid including external scholarship opportunities, military and veteran benefits and American Indian tuition waivers.

Remember: There are many steps to determine eligibility for financial aid. Also, after qualifying, a student must make Satisfactory Academic Progress (SAP) in order to maintain eligibility for most financial aid programs.

State of Michigan and Additional Programs

Tuition Incentive Program (TIP)

The Tuition Incentive Program (TIP) is an incentive program that encourages eligible students to complete high school by providing tuition assistance for the first two years of college and beyond.

To meet the financial eligibility requirement a student must have (or have had) Medicaid coverage for 24 months with a 36 consecutive month period as identified by the Michigan Department of Human Services (DHS). Students must be registered in a minimum of six credits each semester and meet Satisfactory Academic Progress (SAP) in order to be eligible.

For additional information visit the State of Michigan Office of Scholarships and Grants website.

To have TIP awarded at Schoolcraft College: Complete and submit the Tuition Incentive Program Request Form with required documents.

Michigan Competitive Scholarship (MCS)

The Michigan Competitive Scholarship program is available to an undergraduate student pursuing their first degrees at an approved Michigan Postsecondary institution.

Students must demonstrate both financial need and merit and eligible applicants must achieve a qualifying SAT score prior to entering college. Students must meet Satisfactory Academic Progress requirements in order to be eligible. Students must have a 2.0 cumulative GPA.

For additional information visit the State of Michigan Office of Scholarships and Grants website.

To have MCS awarded at Schoolcraft College: Complete the FAFSA by the State of Michigan deadline of March 1st. Students will be awarded based on the roster sent to the school by the State of Michigan.

Michigan Indian Tuition Waiver

Michigan residents who are Native North Americans and are certified one-quarter blood quantum by their tribal association may be eligible for tuition assistance funds. The award is determined by the State of Michigan Department of Civil Rights; apply for the Michigan Indian Tuition Waiver.

The Office of Financial Aid will receive a copy of your certification letter from the State of Michigan. To apply the waiver, Students should contact the Office of Financial Aid prior to registering for courses each semester.

Detroit Promise Path Scholarship

Steps students must take in order to receive the Detroit Promise Path Scholarship:

  • Apply for Admission to Schoolcraft College.
  • Complete the FAFSA online and submit all required documents to the Office of Financial Aid.
  • Complete the Detroit Promise Path Scholarship application and submit your ATR by visiting the Detroit Chamber website (Students must first be approved by the Detroit Chamber of Commerce to be eligible).

For more information on the Detroit Promise Path Scholarship please visit their website.

Charles E. Schell Foundation Loan Program


The Charles E. Schell Foundation is providing students with loans that will be awarded to qualified students to aid them in securing a practical education that, without this loan, probably would not be attainable. Repayment of this loan will ensure assistance for other students to continue their education.


Students selected must meet the following eligibility requirements:

  • Must complete a FAFSA application
  • Michigan Residents between the ages of 18 to 25
  • Meeting Satisfactory Academic Progress policy (2.0 GPA overall and 67% completion rate of classes overall)
  • Loyal to the US and its institutions including Army, Navy and Air Force
  • Declared program of study (Police Academy, EMT, Criminal Justice, Nursing*, Culinary*)
    *must be in 2nd year of program.


  • Loan amounts will be awarded up to $2000 per academic year based on eligibility and financial need.
  • Charles Schell Loan recipients will be required to sign the Charles E. Schell Promissory Note and complete Exit Counseling.
  • Applications are accepted year round.
  • Consideration will be given to applicants with the greatest need.

Loan Request Form

Tuition Payment Plans, 529 Plans, and MET

All tuition and fees are due within 3 weekdays of registration. You may either make a payment in full or be enrolled in the college’s payment plan, which offers you added flexibility and convenience.

If you choose to pay in full you can do so online using Ocelot Access or in person at the Cashier’s Office in the McDowell Center. Payment can be made with cash, checks made payable to Schoolcraft College or MasterCard, VISA, American Express or Discover credit card or debit card.

Students using MET for the first time at Schoolcraft College must contact the State of Michigan at 800-638-4543 to initiate your contract. Returning MET students must contact the Student Accounts office to arrange for your MET funds to be applied to your student account.

Students using MESP accounts to pay tuition and fees can be held in classes by emailing,, a confirmation that disbursement has been requested from MESP.  This will need to be done every semester where a student is using their MESP account.

Questions regarding payments can be directed to student accounts staff in Student Financial Services.
*Our primary source of communication is via your SCmail account. Be sure to monitor your SCmail and your Ocelot Access account regularly for any updates regarding your financial aid status.