Important Facts Regarding Your Financial Aid Awards

Your Award Notification will specify which aid programs you are eligible to receive and how much from each program.


Eligibility for financial aid is determined through the analysis of your student aid application and the cost of education at Sandburg.  Your award(s) are based on full-time enrollment and will be adjusted at the time of enrollment. We reserve the right to modify your award(s) at any time due to changes in your financial aid eligibility, processing errors, or on the availability of funding. IF YOU WISH TO DECLINE ANY OF THESE AWARDS OR YOU RECEIVE ADDITIONAL SOURCES OF AID, YOU MUST NOTIFY THE FINANCIAL AID OFFICE IN WRITING. If aid from outside sources causes you to exceed your calculated “financial need”, we are required to reduce your FWS, SEOG, or Direct Loan.



Pell Grant: The actual amount of Pell Grant you are entitled to receive will be determined by the number of credit hours you are enrolled in at the end of the 100% drop period (dates are posted on campus). You may not receive aid for courses added after this date, even if the course(s) you add begins later in the semester. All programs: classes dropped at 100% may reduce hours enrolled and your aid. Audit hours and tested out hours are not counted in the total number of credits for financial aid purposes.



Sandburg has a mandatory attendance policy for all classes. Nonattendance during the first four days of the semester/class may result in the class being dropped from your schedule. For online and self-paced courses, this requires class participation as designated by the instructor.  Courses less than 16 weeks require attendance during the 100% refund period.  If you are unable to attend due to an emergency or conflict of a serious nature, you must contact your instructor.  If an instructor is not designated, you should contact the Retention Specialist at 309.341.5338. You must attend classes to receive financial aid.


Aid will be applied to your charges approximately two weeks prior to the tuition deadline. Any remaining balance must be paid by the due date. If your financial aid is not complete by the tuition due date, you must pay using your own resources.  You may check your balance by going to, choose mySandburg, login, under Self-Service Menu select “My Account”, then select “View Account and Pay Tuition”. 



If you were awarded FWS, you may request a Federal Work-Study Application from the Financial Aid Office. Your application will be sent to the Employment Resources Office who will refer this to any departments that you specify. A job is not guaranteed, and you are not guaranteed to earn your entire award.



Student loans are optional. You should use borrowing as a last resort. If you wish to borrow a student loan, go to, click on “Financial Aid & Scholarships”, then “Loans”.  Once you are on the Loan page, follow the three steps to ‘Apply for Federal Student Loan’. Sandburg reviews each loan request on a case by case basis and may under HEA Sec.479A(c) refuse to certify or certify for less than your documented need.    



If financial aid (excluding loans) exceeds the cost of tuition and fees, the excess will be available at the Bookstore. Book charge dates are posted each semester. You may choose book rental or e-books as a means to lower your costs. ISBN numbers for required books are available on the college website under course selection and through the bookstore website.  


If financial aid remains after your tuition and books are paid, the remaining funds (excluding loans) will be sent to you approximately three weeks after the semester begins. You may choose direct deposit from mySandburg for electronic disbursement to your bank account.


If you have special circumstances, such as loss of job or benefits, contact our Financial Aid Office and explain your circumstances. To help meet your educational expenses, Sandburg also offers students access to a payment plan through Nelnet to spread payments over 3 to 5 payments. 


Complete student consumer information is available on the Sandburg Website at Our website is For details regarding your enrollment, student account or payment plan choose the link for mySandburg from the Sandburg Website.  


Grants are gift aid that does not have to be repaid. Loans require repayment. If your award includes “EST” in the name it is estimated and could change. Brief award descriptions are provided in this document. For additional details go to  


This is a federal grant to help students meet their educational costs.


This is a federal grant. Funding is limited. Awards are prioritized based on financial need application date, and family income.  Federal SEOG grant is prorated at 75% for 9-11 hours, 50% for 6-8 hours.


This is a state grant to help students meet their educational costs. 

By applying for financial aid and agreeing to share that information with the Illinois Student Assistance Commission (ISAC) you have been considered for the State of Illinois (IL) Monetary Award Program (MAP) Grant. All MAP-approved institutions are required by the State of Illinois to announce MAP Grant awards to students who are enrolled or intending to enroll at their institution. An award amount is included on this letter if you have met the eligibility criteria.

The MAP Grant award amount is an estimate made by the financial aid office and is identified as a "State of IL MAP Grant (Est)." Please be aware that the number of available MAP Grants is limited by funding levels approved by the Illinois General Assembly and the Governor, and reductions to estimated or actual MAP Grants are possible.

 There are also limitations to how long you can continue to receive a MAP Grant. Usage is tracked by the number of credit hours for which you’ve received MAP benefits and is referred to as MAP Paid Credit Hours (MPCHs). The maximum number of MPCHs that can be received is 135, and you must be at the junior level or above to use more than 75 MPCHs. For your reference, and to learn more about MPCH limitations, you may access a record of your MPCHs through the ISAC Student Portal. You may find the amount of MAP paid credit hours you have used by calling 800.899.4722. Students at a community college may not be classified as a junior or senior. 

SUB STAFFORD (Subsidized Direct Stafford Loan Program)

This program allows students to BORROW money to help them meet their educational costs. This money MUST BE REPAID. A freshman may borrow up to $3500 per academic year (Fall, Spring, and Summer) and a sophomore up to $4500. To find out the current interest rate, please go to Student Loans Interest Loan. All loans require two disbursements. Loan fund disbursement begins 30 days after the start of each term. Loans are calculated at the time of certification and disbursement according to credit hours enrolled and eligibility. First time borrowers at Sandburg must complete loan counseling prior to their first disbursement. 

UNSUB STAFFORD  (Unsubsidized Direct Stafford Loan)

This program is available to students who do not qualify for need based money to help meet educational costs and to students who do not qualify for the maximum loan limits under the Sub Stafford Program. Students may BORROW up to the loan limit of $3500 for freshman and $4500 for sophomore (less any amount borrowed under Sub Stafford.) THIS MONEY MUST BE REPAID. To find out the current interest rate, please go to Student Loan Interest Rates. Repayment terms are the same as Sub Stafford, but interest will accrue or must be paid by the borrower while he/she is in school and during the grace and repayment period.


 This program allows students to seek on campus employment to help them earn funds to meet their educational costs.  Students can earn up to the amount shown on their award notification. Employment opportunities are available at the Galesburg campus. 


Sandburg students who wish to receive financial aid are required to meet Satisfactory Academic Progress (SAP) standards according to federal and state regulations.  

Students will be considered to have an eligible SAP status if they:

  • Maintain a cumulative grade point average (GPA) of 2.0 or better
  • Satisfactorily complete 67% or more of credit hours attempted
  • Graduate within 150 % of the credit hours required to complete the student’s program

The first time a student does not complete at least 67% of the total attempted hours, or is below the minimum 2.0 GPA, s/he will be placed on Warning. The student has one semester to correct the deficiencies in SAP. If a student does not meet SAP requirements at the conclusion of the Warning semester, the student will be placed on Dismissal.  A student with a Dismissal status is no longer eligible for the financial aid. Students placed on Dismissal may appealIf this is your first semester of enrollment at Sandburg and you do not complete any courses successfully, you will be assigned a status of Dismissal. Students, whose appeal is denied or terminated under the Academic Improvement Plan, may appeal.

The complete policy is available at:


Additional information about Sandburg Financial Aid Programs is provided at  Sandburg’s Consumer Information is provided at Public Glossary of Standard Terms and Definitions are at Knowing the amounts you have borrowed for education is important. You may track your federal student loan indebtedness at