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Office of Scholarships and Grants


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Title: Office of Scholarships and Grants

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Welcome to the
  • Michigan High School CounselorVideo Conference
  • November 2, 2007

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Federal Update
  • Rick Shipman, Director
  • Office of Financial Aid
  • Michigan State University
  • November 2, 2007

What is Federal Financial Aid?
  • Grant Programs
  • Pell Grant
  • Supplemental Educational Opportunity Grant
  • Academic Competitiveness Grant
  • National Science and Math Access to Retain Talent
    (SMART) Grant
  • Work Study Program
  • Loan Programs
  • Perkins Loan
  • Stafford Loan
  • Federal Family Education Loans
  • Federal Direct Loans
  • PLUS Loan

Free Application for Federal Student Aid (FAFSA)
  • Initial step in the application process
  • Core document to apply for financial aid
  • Used to calculate an Expected Family Contribution
  • Confirms certain eligibility requirements

Free Application for Federal Student Aid
  • Cannot submit earlier than January 1, 2008
  • Valid for periods beginning summer 2008 and
    ending after summer 2009, but generally not more
    than 12 months
  • No fees

How to Apply
  • The FAFSA
  • Paper application
  • Web application

What Data Are Required?
  • Step 1 Student demographic information
  • Step 2 Student financial information
  • Step 3 Dependency status questions
  • Step 4 Parent financial information
  • Step 5 Independent student household
  • Step 6 List of colleges to receive results
  • Step 7 Signatures and certifications

How The Data Are Used?
  • Determine federal compliance
  • Social Security
  • Selective Service
  • Immigration and Naturalization Services (INS)
  • Federal debts

How The Data Are Used?
  • In a statutory formula called the Federal
  • Looks at income, assets, and size of family to
    determine familys ability to pay for education
  • Result is called the Expected Family Contribution

Completing the Paper FAFSA
  • About 5 of FAFSAs are now filed by paper.
  • Paper FAFSAs are only available through download
    at federal Web sites or by calling
  • Students parents can complete on line and
    download as PDF file or download blank PDF file
    for completion and mailing.
  • No major question or order changes from 2007-08.

Completing FAFSA on the Web
  • More than 95 of FAFSAs are now filed online.
  • No major changes from 2007-08 FAFSA.
  • Parents with more than 1 college student can
    transfer data from original application to others.
FAFSA on the Web Worksheet
  • Families can use time wisely by completing a
    worksheet before accessing FOTW.
  • Order Worksheets at or by phone.
  • View a draft of the worksheet on the Web at the
    URL below. - Click on FAFSAs and Renewal
FAFSAs link under Publications
PIN Web Site
  • PIN serves as electronic signature on ED
    documents, including electronic promissory notes.
  • PIN is used to gain access to ED systems,
  • Corrections on the Web
  • Direct Loan Origination
  • Direct Loan Servicing
  • Loan Consolidation

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Demonstration Site for FOTW
  • Available in December 2007
  • User Name EDDEMO
  • Password FAFSATEST

With Electronic Signatures
  • It is not necessary to print and sign a paper
    signature page if both the dependent student and
    parent have a federal PIN.
  • The PINs are entered as part of the FOTW
    completion process and replace a pen and paper
    signature form.

Without Electronic Signatures
  • If both the dependent student and parent do not
    have PINs, they must provide a signature page for
    the signatures and mail it.
  • It is permissible for the student or parent
    applicant to sign electronically with a PIN and
    the other to submit a paper signature form.
  • Signature page must be received by U.S.
    Department of Education (ED) within 14 days.
  • If signature page is not received within 14 days,
    one will be sent to the applicant by mail. The
    form must be signed and resubmitted.

Student Aid Report (SAR)
  • The SAR summarizes the data provided on the FAFSA
    as well as the federal calculations and is sent
    to the applicant.
  • Only last 4 digits of parents SSN will display
    on paper and electronic SARs.
  • Displays official EFC.
  • Submit to college only if requested.
  • Paper application without students e-mail
    address will result in paper Student Aid Report
  • Paper application with students e-mail address
    will result in email with Web site for SAR on
    the Web.

Corrections on the Web
  • Available regardless if original application was
    paper or electronic.
  • Students PIN required to access.
  • Parents must have PIN to correct parent
  • Pop-up message will appear when student tries to
    correct transaction already corrected by a school.

Avoid Errors!
  • Errors on the FAFSA or supplemental forms may
    delay application processing and result in the
    loss of financial aid funds.
  • Encourage students/parents to read the
    instructions and complete the forms carefully!

Who is the Parent? (for Dependent Students)
  • If the parents are both living and married to
    each other, answer the questions about both of
  • If the parent is widowed or single, answer the
    questions about that parent only. If the widowed
    parent has remarried as of today, answer the
    questions about that parent and the person to
    whom the parent is married.
  • If the parents have divorced or separated, answer
    the questions about the parent the student lived
    with most in the last 12 months. If the student
    did not live with one parent more than with the
    other, answer about the parent who provided the
    most financial support during the last 12 months
    or during the most recent year that the student
    was supported by a parent. If this parent has
    remarried as of today, answer the questions about
    both that parent and the person to whom the
    parent is married.
  • If the parent is widowed or divorced and has
    remarried, answer the questions about both that
    parent and his or her current spouse. The
    marital status of the student's parents in this
    case is "married/remarried."

Independent Student Criteria
  • Born before January 1, 1985
  • Enrolled in a graduate program
  • Married
  • Has child(ren)/dependents for whom he/she
    provides more than half support
  • Both parents are deceased
  • Is/was a ward of the court until age 18
  • Veteran of the U.S. Armed Forces or currently
    serving on Active duty in the U.S. Armed Forces
    for purposes other than training
  • Most high school students will not be independent
    but, in extraordinary circumstances, the college
    aid administrator can override dependency.
    Contact the college aid office for help.

Types of Federal Aid Grants
  • FAFSA required for all federal grants
  • Pell Grant Program
  • Undergraduates pursuing first baccalaureate
  • 400 to 4,800 per year (beginning fall 2008)
  • Supplemental Educational Opportunity Grant
  • Undergraduates pursuing first baccalaureate
  • Awarded first to students with exceptional
    financial need (i.e., students with the lowest
    EFCs at that school)
  • Priority to Federal Pell Grant recipients
  • 100 to 4,000 per year

Types of Federal Aid Grants
  • Academic Competitiveness Grant
  • For Pell eligible US Citizens
  • A 3.0 GPA required beyond freshman level
  • ACG is for freshmen and sophomores who completed
    a rigorous HS curriculum
  • Freshmen get 750 sophomores 1,300

Types of Federal Aid Grants
  • Academic Competitiveness Grant
  • ED provides 5 categories of rigorous curricula
  • State established advanced or honors program
  • State Scholars Initiative
  • A curriculum similar to State Scholars
  • Completion of at least 2 AP courses with scores
    of 3 or 2 IB courses with scores of 4
  • Approved state designated program
  • Michigan Merit Standard qualifies
  • State Scholars Initiative
  • 4 Years of English
  • 3 Years of Math
  • 3 Years of Science
  • 3 Years of Social Studies
  • 1 Year of Foreign Language

Types of Federal Aid Grants
  • SMART Grant
  • For Pell eligible U.S. citizens
  • 3.0 GPA required beyond the freshman level
  • For junior/senior students in specific majors
  • Computer Science, Engineering, Foreign Language,
    Life Sciences, Mathematics, Physical Sciences,
  • 4,000 per year

Types of Federal Aid Grants
  • Teacher Education Assistance for College and
    Higher Education (TEACH) Grant
  • For Pell eligible students
  • Major in Math, Science, Foreign/Bilingual
    Education, Special Ed, Reading, Other
  • Requires teaching in underserved schools
  • 4,000 yearly (16,000 max for undergrads, 8,000
    max for grads)
  • Reverts to Direct Loan if student fails to teach
    for 4 years within 8 years of graduation

Types of Federal Aid Loans
  • Federal Perkins Loan
  • Undergraduate or graduate students
  • Must file FAFSA to be eligible
  • Priority to those with exceptional need
  • Interest rate is fixed 5
  • Nine-month grace period
  • Deferment, cancellation, and forgiveness
    provisions available
  • Up to 4,000 per year for undergraduates 6,000
    for graduates

Types of Federal Aid Loans
  • Federal Stafford Loan
  • Must file FAFSA to be eligible
  • Annual loan limits
  • 3,500 for Freshmen
  • 4,500 for Sophomores
  • 5,500 for Juniors and Seniors
  • 20,500 for each year of study
  • Subsidized must demonstrate need
  • Unsubsidized need is not a consideration
  • 6.8 fixed interest rate (6 for undergrad,
    subsidized beginning in fall 08)
  • 10 year repayment

Types of Federal Aid Loans
  • Federal Grad PLUS
  • Required to file FAFSA
  • Creditworthiness determined by lender
  • Co-signer may be required
  • Loan limit is cost of education minus other aid
  • Repayment begins approximately 60 days after loan
    fully disbursed
  • In-school deferments provided
  • 7.9/8.5 fixed interest
  • 10 year repayment

Types of Federal Aid Loans
  • Federal Parent PLUS
  • Not required to file FAFSA
  • Creditworthiness determined by lender
  • Co-signer may be required
  • Loan limit is cost of education minus other aid
  • Repayment begins approximately 60 days after
    funds are fully disbursed
  • 7.9/8.5 fixed interest
  • 10 year repayment

Types of Federal Aid Work
  • Federal Work-Study
  • Employment during school
  • Reimburses employer for a percentage of student
  • Non-profit jobs only (on or off campus)
  • Income is taxable (state and federal)
  • Excluded from students total income on next
    years FAFSA
  • Program varies from school to school

Supplemental Forms
  • Institutional application
  • Stafford loan application
  • Parent/Grad PLUS loan application
  • CSS Financial Aid PROFILE (school aid)

Counselor Resources
  • National Association of Student Financial Aid
  • Counseling Tools
  • Student Aid on the Web
  • FSA for Counselors
  • http//
  • Online information for middle school, high school
    and TRIO counselors

What Everyone Should Know
  • Gateway Web site
  • New FAFSA4caster
  • Portals for
  • Students, Parents, and Counselors
  • Financial Aid Counselors
  • Financial Partners

Counselor Resources
  • Provides early estimate of federal aid
  • PIN not required
  • FAFSA4caster data can transfer to FAFSA

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Special Circumstances in Financial Aid
  • Aiding Students Who Have Special Circumstances

Free Application for Federal Student Aid (FAFSA)
  • Some families find the application difficult.
  • Many feel the FAFSA does not reflect their true
  • Before an appeal can be considered for special
    circumstances, students and their families must
    complete the FAFSA with base year information.

Working With the Financial Aid Office
  • Complete the FAFSA.
  • Student contacts the Financial Aid Office where
    he/she plans to attend.
  • If not committed to a college, student should
    contact each Financial Aid Office at the schools
    they most likely will attend.

Professional Judgment
  • When a financial aid officer reviews a special
    circumstances appeal from an applicant and
    approves an adjustment to the original FAFSA or
    waives a FAFSA requirement, he/she has used
    professional judgment.

Common Elements in Professional Judgment
  • Financial aid officers are willing to consider
    the special circumstances of applicants.
  • Many financial aid officers share common values
    in evaluating special circumstances appeals.

Professional Judgment Can Differ From College to
  • Each college develops its own process and
    standards for handling special circumstances
  • Colleges have their own forms, procedures, and
    documentation requirements.
  • What will satisfy requirements at one college may
    not satisfy requirements at another college.

Types of Appeals Income Changes
  • Loss of job
  • Change of job status from full-time to part-time
  • Loss or reduction of benefits

Types of AppealsChange in Household
  • Divorce of parents
  • Separation of parents
  • Death of parent

Types of AppealsSpecial Expenses
  • Younger sibling(s) in private school
  • Parent(s) in college (Other siblings in college
    are reported on the FAFSA)
  • High medical expenses paid out of pocket without

Unusual Appeals
  • Funeral costs not covered by insurance
  • Loss of substantial property through natural
    disaster or arson
  • Loss of business
  • Reduction of income because of loss of overtime
  • Parents maintain two households because of
    employment (not separation prior to divorce)

Additional Documentation
  • In addition to the appeal form, a financial aid
    office will usually require documents
  • supporting the changes in circumstance.
  • Many financial aid offices also require
    documentation of base year income and household
    size/number in college information when reviewing
    an appeal.

When Is a Student Independent?
  • Many students and their families feel that they
    should be considered independent and complete the
    FAFSA without parental information.
  • Most high school seniors will complete the FAFSA
    as dependentusing parental information.

Independent Status
  • Born before January 1, 1985
  • Working on masters or doctorate program at
    beginning of the 2008-09 school year
  • Married when filing FAFSA
  • Have children who receive more than half of their
    support from the applicant
  • Have dependents (other than children or spouse)
    who live with you and receive more than half of
    their support from the applicant
  • An orphan or ward/dependent of the court
  • Currently serving on active duty in the U.S.
    Armed Forces for purposes other than training
  • A veteran of the U.S. Armed Forces

Dependency Overrides
  • Parents absent due to
  • Abandonment
  • Incarceration
  • Institutionalization
  • A ward/dependent of the court is considered
    independent without an appeals process. The
    college may request documentation of court status.

Dependency Overrides
  • Students who fled parental home to escape
  • Sexual or other physical abuse
  • Substance abuse by parent/parent figure
  • Criminal activity by parent/parent figure

Dependency Overrides
  • Financial aid officers look for at least one
    statement (sometimes more) from a neutral third
    party describing the breakdown of the family
  • Counselors can provide valuable guidance and
    documentation to their students in this process
    within school or district guidelines.

Dependency Overrides
  • Valuable primary documentation can be
  • obtained from
  • Family Independence Agency (FIA)
  • Police reports
  • Physicians statement
  • Psychologists statement
  • High school counselor statement
  • Social worker

Dependency Override
  • If college does not have a form to request a
    dependency override, the student should provide a
    signed, written personal statement detailing why
    they should be considered independent in lieu of
    a college form.
  • The student should describe his/her circumstances
    and refer to specific incidents.
  • The statement should address where the student
    now lives and how they will provide for their own

Dependency Override
  • Supporting or secondary documentation can
  • be provided by
  • Siblings who have had the same experience (can
    establish a pattern of parental behavior).
  • Other knowledgeable family members.
  • Employers.
  • Friends of the family.

Dependency Override
  • A call to the Financial Aid Office can be helpful
    if counselor knows what college the student will
  • The student may wish to make an appointment with
    a counselor in the Financial Aid Office.
  • If an appointment is not possible, it is
    recommended that the student arrange a telephone
    interview (not a substitute for the paper appeal)
    for guidance in this process.

Dependency Override
  • Parental information not needed if dependency
    override approved.
  • Student income documents needed to complete the
  • tax return
  • W2 forms
  • benefit statement

When Dependency Override Is Not Appropriate
  • Student supports himself/herself
  • Parents are in another state or country
  • Student left home or will leave home without
    unusual circumstances
  • If parents reside where they can be contacted
    by mail. The situation is different if the
    parents are in a country that does not have
    diplomatic relations with the United States, at
    war, or facing natural disasters within its

When Parents Refuse to Complete the FAFSA
  • A difficult situation arises when parents refuse
    to complete the FAFSA.
  • A financial aid officer can contact the parents
    directly by letter or by telephone.
  • Many parents worry about confidentiality or what
    obligations they will incur if they sign a FAFSA.
  • In many cases, reassurance from the Financial Aid
    Office and help in completing the form resolve
    the problem.

Counselors Make a Difference
  • Your guidance and assistance can help a student
    through difficult times.
  • Your help can make the difference in whether a
    student without parental support pursues college.

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Youth in Transition
  • Foster Care in Michigan

Changing Perceptions, Part I
  • The biggest challenge for foster youth is the
    perception people have of them. It has to do
    with how we view people who have any kind of
    disadvantage. And certainly having had a
    separation from ones family is a challenge. But
    we tend not to see their potential for overcoming
    that challenge we tend not to see their strength
    and their talents. We tend to see their
  • Linda Lausell Bryant, Executive Director Inwood

Changing Perceptions, Part II
  • And sometimes that becomes a self-fulfilling
    prophecy, if all you see in a young person in
    here is a set of problems. I think it is
    really important that we see their potential,
    their capabilities, and their talents and their
  • Linda Lausell Bryant, Executive Director Inwood

Foster Care in Michigan
  • Michigan There are 19,000 children and youth in
    foster care at any time.
  • Nationally More than 25,000 foster care youth
    age out of state care leaving them without an
    ongoing connection to family members or caring
  • Children not adopted by the age of 11 have little
    possibility of adoption.

Foster Care in Michigan
  • Children and youth are placed in foster care
    because of neglect, abandonment, abuse, or death.
  • The majority are not returned to their families
    or adopted.
  • These children and youth should not be confused
    with juvenile delinquents.

Barriers to Higher Education
  • Foster care youth are less likely to enroll in
    college preparatory courses (15 percent vs. 32
    percent) even when they have test scores and
    grades similar to non-foster care youth.
  • They are more likely to drop out of high school
    (37 percent vs. 16 percent).

Promising Trends
  • 70 percent of teens in the foster care system
    have the desire to attend college.
  • Research shows that education is a leading
    indicator of successful youth development and
    adult self-sufficiency.

Help Is Needed
  • The most obvious barrier to higher education is
  • These youth lack the parental and familial
    financial support provided to most college
  • Many do not know where to turn to get information
    about financial aid programs and how to complete

Guidance Is Needed
  • Many youth not connected to someone with
    knowledge of financial aid resources, procedures,
    and criteria bypass higher education because they
    believe there is no way for them to pay for it.

An Important First StepCompleting the FAFSA
  • Most foster youth meet the definition of an
    independent student and complete the application
    without parental information.
  • Foster parents or legal guardians not considered
    parents for completing the FAFSA.
  • Youth who were a ward/dependent of the court
    until the age of 18 considered independent.
  • Documentation of ward/dependent of court status
    not needed to complete the FAFSA.
  • Documentation of ward/dependent of court status
    needed for verification by college.

Youth in Transition
  • Chafee Foster Care Independence Program --
    Provides a block grant of funds to each state to
    develop programs to aid youth aging out of foster
    care to transition into self-sufficiency.
  • Youth in Transition Michigans program is a
    funding source available to cover expenses NOT
    covered by
  • other government or community resources.
  • to augment or supplement services from other
    funding sources.

Youth in Transition
  • Eligibility requirements
  • Michigan youth active in foster care system
    starting at age 14 until the age of 21.
  • Michigan youth between the ages of 18-21 in
    foster care on or after their 14th birthday, but
    are no longer under Department of Human Services
    (DHS) supervision.

Youth in Transition Funding Can Be Used For
  • Daily living skills
  • Mentorship
  • Transportation
  • Employment services
  • Parenting skills
  • Educational support
  • Graduation expenses
  • Drivers education
  • Physical and mental health services
  • Relationship building skills
  • Housing

Youth in Transition (YIT)
  • Where to apply?
  • Open Case -- Youth can access funds through their
    foster care case manager.
  • Closed Case -- Youth must apply for the closed
    case service (YIT) in their current county of
    residence through the local DHS office.

Educational Training Voucher (ETV)
  • Provides up to 5,000 for each school year to
    cover school-related expenses
  • Tuition and fees
  • Room and board
  • Books, supplies, transportation, and
    miscellaneous expenses including the purchase of
    a personal computer
  • Dependent care expenses

Lutheran Social Services of Michigan
  • Lutheran Social Services of Michigan administers
    the ETV. Foster youth can complete the
    application online at http//
  • The application includes several forms
  • ETV Application
  • ETV Budget
  • ETV Student Education Agreement
  • ETV Financial Aid Release Form
  • All are one page forms that are not difficult to

ETV Application
  • Additional documents required to
  • complete the application
  • Copy of high school diploma or GED
  • Copy of college/trade school grade point average
  • Copy of cost of tuition
  • Copy of class schedule/enrollment
  • Copy of financial aid package

Questions in Completing ETV?
  • Call the ETV Coordinator at Lutheran Social
    Services of Michigan (LSSM) at
  • (800) 660-METV.
  • Call your county DHS office to set up an
    appointment with a foster care worker.

Tuition Incentive Program (TIP)
  • Targets Michigan youth who have been
  • Medicaid eligible for 24 months of a 36
  • month period.
  • TIP pays tuition and mandatory fees at
    participating colleges in pursuit of an
    Associates degree or certificate (Phase I).
  • TIP pays 500/semester or 400/term up to a
    maximum of 2,000 in pursuit of a Bachelors
    degree (Phase II).

Casey Family Scholars Program
  • Provides scholarships up to 10,000 for young
    people who have spent at least 12 months in
    foster care and were not subsequently adopted.
  • Information available at the Orphan Foundation of
    America Web site at
  • Applications for 2008-09 will be available
    between January 1st and March 31st.

MI Youth Opportunities Initiative (MI-YOI)
  • To improve the outcome for foster youth as the
    age out of foster care focusing on
  • Education
  • Employment
  • Housing
  • Health
  • Transportation
  • Social and community engagement
  • MI-YOI targets current or former foster youth,
    aged 14-23 who were in foster care some point
    after their 14th birthday.

MI Youth Opportunities Initiative
  • Not established in all Michigan counties but
  • Application made through local county DHS office.
    Visit and click on MI-YOI
    for local contacts and more information.
  • Opportunity Passport Requires completion of 8
    hours of financial literacy training.
  • Commitment to two savings accounts
  • Personal small savings account
  • Individual Development Account (IDA)

MI Youth Opportunities Initiative
  • IDA Savings Matched dollar for dollar up to
    1,000 each year. The account used for only
    these major expenses
  • Rent deposit or home down payment
  • Insurance
  • Medical or dental costs
  • Vehicle purchase
  • Educational costs
  • Small business start up
  • Investments

MI Youth Opportunities Initiative (MI-YOI)
  • Withdrawals from IDAs must be approved.
  • There are opportunities to join a foster youth
    board in their county with stipends for youth
    board meetings.

First Web Site to Visit
  • The Foster Youth in
  • Transition Web site at
  • provides a wealth of
  • valuable information.
  • Education
  • Employment
  • Finances
  • Housing
  • Transportation
  • Legal Assistance
  • Health Wellness
  • Pregnancy Parenting
  • Youth with Disabilities
  • Social Life
  • Volunteer Opportunities
  • Foster Youth Alumni

Resources Are Available
  • In recent years, the resources available to
    foster youth have increased tremendously. Foster
    youth must know about the resources established
    to help them.
  • Caseworkers, high school counselors, and
    financial aid officers must work together to
    increase awareness of these supports. With our
    help, we can assist these young people achieve
    their goals.

Final Words
  • We are survivors,
  • and we want a hand up,
  • not a hand out.
  • Foster Youth quoted in the Interdepartmental Task
    Force on Service
  • to At-Risk Youth Transitioning to Adulthood
    Report to the Legislature
  • September 2006

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3 Ways to Make Your Job Easier
  • High School EduGuide
  • 2. College EduGuide
  • 3. College Goal Sunday

1. The High School EduGuide
  • Coming March 2008
  • Written for students grades 9 -12
  • Special focus on strategies for academic
    success, college prep, and career planning
  • Tools designed for classroom use and on-line
  • Pre-order now through December 31, 2007 at

The 2007 High School EduGuide Cover
2. The College EduGuide
  • Coming March 2008
  • Written for high school seniors
  • Expert advice on choosing the right financial
    aid, college life and strategies for academic
  • Secrets to college success from students who
    learned the hard way
  • Pre-order now through December 31, 2007 at
  • In 2008, the College EduGuide will be distributed

The 2007 College EduGuide Cover
3. College Goal Sunday
  • February 10, 2008
  • Students parents receive expert help completing
    the FAFSA Financial Aid Form FOR FREE
  • 28 locations in Michigan including 2 new pilot
  • Checklists available on our new Web site to help
    students, parents, schools, volunteers prepare
    for the event
  • Over 350 volunteers
  • Over 6,000 in scholarships and prizes available
    to students

Seriously! Go to
  • The High School College EduGuides will no
    longer be distributed through your District
  • Orders will be taken online, on a first-come,
    first-served basis while supplies last.
  • EduGuides now cost 1/copy BUT pre-orders (with a
    grant code) are FREE!

Your Checklist For Success!
  • Go to today to pre-order the new
    High School EduGuide for each of your high school
  • 2. Go to today and pre-order one
    of the new College EduGuides for each of your
    high school seniors.
  • 3. Go to today and order one
    College Goal Sunday flyer for each of your high
    school seniors. Also order posters to hang up in
    your school.

  • 2008edu1

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Saving for College in Michigan
Whats New?
  • 12 Month Enrollment
  • 2008 MET Enrollment
  • September 1, 2007 to August 31, 2008
  • Same price regardless of age or grade
  • Increased pricing for contract purchases after
    January 31, 2008

Whats New?
  • MESP program management fee now 45 basis points
    (was 60 bp)
  • Seven investment options
  • MESP Match Funds pending legislative approval for

Matching Grant
  • The State will match 1 for every 3 contributed
  • Maximum 200 per beneficiary
  • Requirements when the MESP account is opened
  • Beneficiary must be 6 years old or younger
  • Beneficiary must reside in Michigan
  • Household income of the beneficiarys custodial
    parent(s) must be 80,000 (AGI) or less
  • Available only the 1st year the beneficiary is
    enrolled in the program
  • State ultimately determines who is eligible
  • Proceeds are invested in the TIAA-CREF
    Institutional Bond Fund
  • For tuition only

  • MESP Investment Options
  • Seven Investment Options
  • Age Based
  • Conservative option
  • Moderate option
  • Aggressive option
  • Principal Plus Interest
  • 100 Fixed Income
  • 100 Equity
  • Balanced
  • MET Contract Options
  • Three Types of Contracts
  • Full Benefits
  • Limited Benefits
  • Community College

  • Similarities
  • Benefits of Internal Revenue Code Section 529
  • State Federal tax exemption on qualified WDs
  • State income tax deduction for contributions
  • Transfer contracts/accounts among siblings
  • Gift tax exemption
  • Payroll deduction, ACH, or coupon payments
  • MET MESP can be used separately or together
  • Enroll online or

  • Differences
  • MET Prepay tuition mandatory fees
  • MESP Save for all qualified higher education
  • MET Pays tuition mandatory fees at MI public
    two- and four-year colleges (refund amount
    portable to attend MI private or eligible
    out-of-state colleges)
  • MESP Account balance can be used to pay for
    total qualified expenses at any eligible college
    in the nation

  • Differences (cont.)
  • MET Prepay with monthly installments, payroll
    deduction, ACH, or lump sum ignore rising
  • MESP Save as much as 235,000. Deposit as
    little as 25 (15 if payroll deduction).
  • MET Purchase for MI child (newborn to 12th
    grade), allowed 15 years to use contract
  • MESP Open account for anyone No age limit No
    residency requirement

Please Help Your Parents by
  • Adding a link to the MET and MESP Web sites on
    your high schools Web site
  • Encouraging parents to register to win a free
    one-semester MET Full Benefits Contract
  • Scheduling a presentation for parents
  • Inviting MET MESP to set up a booth at a school

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Office of Scholarships and Grants
  • Anne Wohlfert
  • Director

OSG Programs
  • Adult Part-Time Grant
  • Michigan Educational Opportunity Grant
  • Michigan Work-Study Undergraduate
  • Michigan Work-Study Graduate
  • Michigan Competitive Scholarship
  • Michigan Tuition Grant
  • Children of Veterans Tuition Grant
  • Michigan Merit Award
  • Michigan Promise Scholarship
  • Michigan Nursing Scholarship
  • Tuition Incentive Program
  • Leveraging Educational Assistance Partnership
  • Supplemental Leveraging Educational Assistance
  • Robert C. Byrd Scholarship
  • GEAR UP Michigan! Scholarship

To Be Eligible for all State Programs, Students
  • Although they will not be eligible for all OSG
    programs, all students should do these two
  • Take the MME which includes the ACT
  • Complete the FAFSA by March 1 priority date

Counselors Should Know
  • Michigan Competitive Scholarship
  • The ACT taken as part of the MME test is valid
    for Michigan Competitive Scholarship purposes.
  • For academic year 2008-09 the qualifying score is
    90 (sum of the scores for reading,
    English/writing, math and science).

Counselors Should Know
  • Michigan Competitive Scholarship (MCS)
  • Although it is optional on the MME the ACT
    answer sheet SHOULD have the students Social
    Security Number (SSN). This is the best way to
    connect the test record to the FAFSA data.
    Students could lose scholarship eligibility if a
    match is not made.
  • Students who do not supply their SSN on the MME
    should contact our office if they have an
    eligible score (90 or above).

Counselors Should Know
  • Michigan Competitive Scholarship
  • Students need to complete the FAFSA.
  • This must have a March 1 receipt date to ensure
    priority consideration.

Counselors Should Know
  • Michigan Competitive Scholarship
  • OSG will send status lists to your school in
    January/February. This is a good place to catch
    and report
  • Social Security Number Problems
  • Name and Address Corrections
  • Graduation Year Errors
  • Etc.

Counselors Should Know
  • Michigan Competitive Scholarship
  • As with the Class of 2007, the OSG can no longer
    print and mail certificates for each test
    qualifier. The OSG will continue to provide a
    template to schools that choose to use it for
    their awards programs.

Counselors Should Know
  • Michigan Competitive Scholarship
  • Michigan Tuition Grant
  • Both of these programs are delivered using our
    Web based Michigan Scholarships Online system
  • OSG will strongly promote student access to this
  • Students will be able to go online with their
    password and make demographic changes to their
    records and view their award status.

Counselors Should Know
  • Tuition Incentive Program
  • In mid-November, general notification mailing
    sent to students (grade 6 -12) regarding TIP
  • In the spring, TIP applications mailed to
    seniors. TIP applications must be returned to
    OSG prior to high school graduation.
  • If you have questions about a students
    eligibility for TIP, contact Kathy Welch at

Counselors Should Know
  • Children of Veterans Tuition Grant
  • Be aware of this program if you have students
    whose parent
  • was killed in action or died while serving,
  • is totally and permanently disabled,
  • is listed as MIA.
  • They may be eligible for tuition assistance while
    attending a Michigan institution.

Counselors Should Know
  • Robert C. Byrd Honors Scholarship
  • Academic achievement will now be based on a
    formula combining the GPA and MME scores.
  • Schools will be allowed to submit more than one
    nominee in the event of a tie.
  • Home schooled students are no longer eligible to

Counselors Should Know..
  • Michigan Promise Scholarship
  • Two departments and two offices.
  • MDE and OEAA handle all testing.
  • Treasury and OSG handle payment of the award.

Counselors Should Know
  • Michigan Promise Scholarship
  • OSG and OEAA work together to help you and
  • Please understand if you are referred to the
    other office.

Counselors Should Know..
  • Michigan Promise Scholarship
  • The Governor has sent a certificate to each
    student (Class of 2008) who took the complete
    Michigan Merit Exam (MME).

Counselors Should Know
  • Michigan Promise Scholarship
  • Completing the entire test means that you are
    eligible to participate in the Promise program.
  • Students who do not score with at least a Level 2
    in math, reading, writing and science can still
    earn up to 4,000 when they.

Counselors Should Know
  • Michigan Promise Scholarship
  • when they
  • Successfully complete an Associates degree,
    two-year certificate, vocational education
    program or 50 of the academic requirements for a
    Bachelors degree (60 semester or 90 term
  • Achieve at least a 2.5 cumulative GPA.

Counselors Should Know
  • Michigan Promise Scholarship
  • Students who take the test and score at a Level 2
    or above in reading, writing, math, and science
    are eligible to receive early scholarship
    payments called installments.
  • Students will receive a 1,000 installment in
    the first year and a 1,000 installment in the
    second year.

Counselors Should Know
  • Michigan Promise Scholarship
  • Use the tools provided to help your students.
  • Eligibility Chart DEADLINE DATES
  • Fact Sheet

Counselors Should Know
  • Michigan Promise Scholarship
  • Students must complete the entire MME to be able
    to participate in the Promise.
  • Only the ACT taken as part of the MME exam counts
    toward the Promise.
  • Only Michigan residents are allowed to take the
    MME exam.

Counselors Should Know
  • Michigan Promise Scholarship
  • Encourage students to put their social security
    number on the ACT portion of the answer document.
  • Although this is not needed for the Promise
    scholarship, it is vital to the Michigan
    Competitive Scholarship process.

Counselors Should Know..
  • Michigan Promise Scholarship
  • Students must take the MME and graduate from high
  • Students must begin their enrollment in
    postsecondary study within two years of high
    school graduation.
  • Students must complete program requirements
    within four years of when they began enrollment.

Counselors Should Know
  • Michigan Promise Scholarship
  • Installment winners must certify their award by
    November 15th of the academic year in which they
    wish to use the award.
  • Students are encouraged to certify online at

Counselors Should Know
  • Michigan Promise Scholarship
  • The Promise Scholarship FAQ should answer most of
    your questions.
  • For other questions/issue please contact us

Counselors Should Know
  • Office of Scholarships and Grants (OSG)
  • 1-888-447-2687

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