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State and local assistance programs

Earning a college degree is an investment in yourself and your future.  Here are several state and local assistance programs to help you pay for college.

Federal Aid

Federal Financial Aid (Pell, Federal Supplemental Opportunity Grant (FSEOG), Direct Subsidized Loans, and Unsubsidized Loans) eligibility is determined by completing the Free Application for Federal Student Aid (FAFSA).  Students must apply each academic year for financial aid assistance by completing the FAFSA.  Several state and scholarship also require completion of the FAFSA.

Visit: https://studentaid.gov/h/apply-for-aid/fafsa 

Financial Resources at North Central 

Federal Loans

Loans are funds given by a lender that must be repaid by the borrower.  North Central Michigan College is a Federal Direct Loan participant. The lender is the U.S. Department of Education instead of a bank or other financial institution. The interest rate and financial aid loan fees are set by the U.S. Department of Education. 

Visit: https://www.ncmich.edu/admissions/financial-aid/student-loans/index.html
Contact: Email financialaid@ncmich.edu or call 231-348-6698

NCMC Scholarships

Through generous donations from the community, North Central makes available a variety of scholarships. Our Scholarship Committee is dedicated to assessing the qualifications of students seeking scholarship funding. 

Visit: https://www.ncmich.edu/admissions/financial-aid/scholarships/index.html
Contact: Email financialaid@ncmich.edu or call 231-348-6698

Veterans Benefits

Veterans and veterans' dependents are encouraged to contact Mary Mummaw, our veterans resource representative, at 231-348-6700 or mmummaw@ncmich.edu for information about the Department of Veteran Affairs (VA).

The VA benefits eligibility in the areas of: Education, Employment, Healthcare and Quality of Life. The VA Certifying Official on campus can assist students with applying for VA educational benefits and will verify enrollment each semester. The student must request certification each semester with the VA Certifying Official. Students are required to make satisfactory academic progress to continue receiving benefits. All changes of address, a program of study and withdrawals from courses must be reported immediately to the VA Certifying Official. For more information, visit https://benefits.va.gov/gibill/.

For more information about North Central's veterans resources, visit our Veterans and Active Military page.

Katie Malone

Questions about financial aid?

Katie Malone
Director of Financial Aid
kmalone@ncmich.edu
231-348-6698

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OTHER RESOURCES

Women’s Resource Center (WRC)

The Women’s Resource Center if Northern Michigan can provide financial assistance with educational expenses including tuition costs, textbooks and supplies, childcare costs, and scholarship exploration.

Contact: Stacey Burns at 231-348-6699 or sburns@ncmich.edu
Visit: https://www.wrcnm.org/ 

Michigan Learning and Education Advancement Program (MiLEAP)

MiLEAP offers those impacted by the pandemic assistance paying tuition to obtain a credential in a short-term training program at North Central Michigan College.

Contact: Wendy Kitchen at 989-306-7117 or kitchenw@nemcworks.org 
Corey Busch at 231-492-8207 or corey.busch@networksnorthwest.org 

Visit: Michigan.gov/MiLEAP

Michigan Works! Northeast Consortium

The Michigan Works! Northest Consortium offers a variety of programs to help with out of district tuition, books, fees, mileage, and more. These programs could help you continue your training without the stress and burden of student debt.

Contact: Niki Chamberlain at 231-627-4303, ext. 1106
Visit: MiWorksNE.org

Michigan Reconnect

The Michigan Reconnect program pays the remaining balance of in-district tuition and mandatory fees after other state and federal financial aid have been applied. Students who attend out-of-district community colleges will receive a large tuition discount. It is designed specifically for eligible adults who want to start or finish an associate degree or skills certificate.

Visit & apply: https://www.michigan.gov/reconnect/0,9968,7-417-102946_102969---,00.html 

Fostering Futures Scholarship

The Fostering Futures Scholarship (FFS) provides eligible foster youth with scholarship funds for tuition, fees, room/board, books, and supplies/equipment required for enrollment.  The FFS is available to students on a first-come, first-served basis. Students must complete one application per academic year and return it to Student Scholarships and Grants, listed at the bottom of the application. FFS provides scholarships to students who have experienced foster care in Michigan on or after age 13.  Students must also demonstrate financial need to qualify. 

Visit & apply: https://www.michigan.gov/setwithmet/scholarship/fostering-futures-scholarship-application-and-information  

Michigan Indian Tuition Waiver (MITW)

To be eligible for the MITW, you must meet the following criteria:

  • Qualify for admission at one of Michigan's public colleges or universities, AND
  • Be ¼ or more Native American blood quantum as certified by your Tribal Enrollment Department, AND
  • Are an enrolled citizen of a U.S. Federally Recognized Tribe as certified by your Tribal Enrollment Department, AND
  • Be a legal resident of the state of Michigan for not less than 12 consecutive months.

Visit & apply: https://www.michigan.gov/mdcr/divisions/dei/indian-tuition-waiver 

Waganakising Odawa Career and Technical Education Program (WOCTEP)

Operating within the Education Department of Little Traverse Bay Bands, WOCTEP has offered certificate and associate programs in partnership with North Central since 2008.  Certificate and associate programs enhance both personal and professional development and lead to increased employability.  High school graduates, GED graduates, and college students can enroll in WOCTEP. 

Contact: Michael Mondoskin at 231-242-1478 or MMondoskin@ltbbodawa-nsn.gov
Visit: https://ltbbodawa-nsn.gov/departments/education/woctep/


Scholarship Resources 

StudentScholarships.org

This website offers a large online collection of scholarships applications to review and apply for individually.

Visit: studentscholarships.org

Charlevoix County Community Foundation

Thanks to generous donors, we are pleased to offer more than 100 scholarships every year to graduating high school students, with a few available to those continuing in post-secondary programs.

Visit:  https://www.c3f.org/scholarships/about-our-scholarships.html 

Petoskey-Harbor Springs Area Community Foundation

With the myriad challenges facing today’s students, the Petoskey-Harbor Springs Area Community Foundation and its scholarship program is working to lessen the financial burden for  students who are continuing their education. If you are a student in Emmet County graduating this spring and planning to continue your education this fall, PHSACF invites you to pursue the variety of scholarship opportunities available. 

Visit: https://www.phsacf.org/grants-scholarships/scholarships/ 

Michigan Tuition Incentive Program 

The Michigan Tuition Incentive program is a state award that provides finances for tuition and fees at the resident college rate to students who are under the age of 20, are high school graduates, or have earned their GED. The Michigan Department of Treasury, through Family Independence Agency Medicaid records, certifies eligibility for each recipient. Students must enroll in at least six credit hours per semester.

T.E.A.C.H. Scholarships

State funds are available for tuition, fees, books, and stipends for students currently working in participating in early childhood education programs.

Visit: https://www.miaeyc.org/