Understanding Your Financial Aid Awards

While your individual circumstances may vary, grants and scholarships are generally the most beneficial type of financial aid, followed by Federal Work-Study. We encourage you to use these options prior to borrowing funds. Federal Direct Loans typically have better repayment terms than private student loans.

The types and amounts of financial aid in your package are also limited by regulatory maximums, your academic class status (freshman or sophomore), grade point average, fund availability and your enrollment status (full- or part-time).

Your eligibility for need-based aid is based on:

• The estimated cost of attending Owens Community College
• Your Student Aid Index (SAI) is based on the information that was provided on your Free Application for Federal Student Aid (FAFSA®)
• Your enrollment status

You are responsible for the information provided to you. You will be notified if you must respond to your award notice. If you receive additional financial aid assistance during the academic year, a new award notice will be sent by email to your Owens email account.

Your financial aid awards will be posted to your Owens account in the Ozone student portal.

You should carefully review all the information on your account and on the financial aid website. The website provides important details about your financial aid package and your responsibilities as a recipient.

Tuition and fees: Instructional, general and other fees that the college charges.

If you are assessed non-resident fees, this cost will be included.

• Books, course materials, supplies, and equipment: If you choose to purchase books and supplies with a book voucher, the college will charge for them.
• Computer purchase expenses: An allowance for expenses incurred to rent or buy a personal computer.
• Study abroad expenses

These are other expenses related to attending college:

Federal student loan fees: Covers the average cost of the origination fee for Federal Direct Loans.

Transportation: Covers the average cost of transportation between your home and school. If you are traveling to a clinical (or similar) location and your actual costs exceed the standard amount, see Adjustments to Cost of Attendance below.

Living and miscellaneous personal expenses: Includes food, housing and other living expenses.

Professional licensure, certification, or first professional credential costs: Covers the costs associated with obtaining a license, certification or a first professional credential. This only applies to programs that prepare you for a profession that requires such a qualification.

If you’re enrolled in a program that includes a licensure or certification cost, the allowance will automatically be included once you’ve reached a certain point in your program.

If you’re ready to complete your certification and it’s not already included in your cost of attendance, or to request an adjustment to retake a certification test, see Adjustments to Cost of Attendance below.

Cooperative education costs: Includes reasonable costs associated with a work experience under a cooperative education program. See Adjustments to Cost of Attendance below.

Dependent care costs: An allowance for dependent care while you are in class, studying, performing field work or internships, or commuting. See Adjustments to Cost of Attendance below.

Disability-related expenses: An allowance for expenses associated with your disability that are not funded by other agencies.

Estimated cost per semester for full-time enrollment:

• AA General Concentration (Owens Code: AGEN): $239
• Accounting Technology (Owens Code: ACCT): $281
• Administrative Office Coor Maj (Owens Code: AOCM): $309
• Alt Energy-Photovoltaic (Owens Code: AEPT): $335
• American Sign Lang Cert (Owens Code: ZASL): $136
• Animation (Owens Code: ANIM): $280
• Animation Certificate (Owens Code: ZANM): $372
• Applied Engineering Technology (Owens Code: APET): $335
• AS General Concentration (Owens Code: SGEN): $249
• ASL Interpreter Prep Program (Owens Code: ASLI): $130
• Assoc Individualized Studies (Owens Code: AIND): $347
• Associate of Tech Studies-A (Owens Code: ATSA): $362
• Associate of Tech Studies-B (Owens Code: ATSB): $362
• Associate of Technical St (Owens Code: ATSD): $362
• ATS Accounting Technology (Owens Code: 1ACC): $362
• ATS Admin Office Coor Majr (Owens Code: 1AOC): $362
• ATS Alt Energy-Photovoltaic (Owens Code: 1AEP): $362
• ATS Applied Engineering Tech (Owens Code: 1APE): $362
• ATS Architectural Eng Tech (Owens Code: 1ARE): $362
• ATS Auto Service Mgmt (Owens Code: 1ASM): $362
• ATS Automotive Technology (Owens Code: 1AUT): $362
• ATS Business Management Tech (Owens Code: 1BUM): $362
• ATS CAD Technology (Owens Code: 1CAD): $362
• ATS Commercial Photo Tech (Owens Code: 1COP): $362
• ATS Computer Programming Tech (Owens Code: 1CPT): $362
• ATS Computer Science Major (Owens Code: 1CSC): $362
• ATS Criminal Justice Tech (Owens Code: 1CJS): $362
• ATS Culinary Arts Program (Owens Code: 1CAP): $362
• ATS Diesel Technology (Owens Code: 1DSL): $362
• ATS Electrical/Electronics Tec (Owens Code: 1EET): $362
• ATS Emergency Services Tech (Owens Code: 1EMS): $362
• ATS Entrepreneurship Major (Owens Code: 1ESH): $362
• ATS Hospitality Management (Owens Code: 1HOS): $362
• ATS Information Systems (Owens Code: 1INF): $362
• ATS Information Systems (Owens Code: 1SYS): $362
• ATS Logistics/Supply Chain (Owens Code: 1LGS): $362
• ATS Marketing and Sales Tech (Owens Code: 1MKT): $362
• ATS Medical Office Support Mjr (Owens Code: 1MDO): $362
• ATS Music Business Tech (Owens Code: 1MUB): $362
• ATS Network and Info Sys Sup (Owens Code: 1NIS): $362
• ATS Office Administration Tech (Owens Code: 1OAD): $362
• ATS Prof Law Enforce Officer (Owens Code: 1PLE): $362
• ATS Skilled Trades Build Maint (Owens Code: 1STB): $362
• ATS Skilled Trades Construct (Owens Code: 1SKC): $362
• ATS Skilled Trades Electrical (Owens Code: 1SKE): $362
• ATS Skilled Trades Mechanical (Owens Code: 1SKM): $362
• ATS Visual Comm Tech (Owens Code: 1VCM): $362
• ATS Welding (Owens Code: 1WLD): $362
• ATS Wide-Area Networking Tech (Owens Code: 1WAN): $362
• Auto Service Certificate 1 (Owens Code: ZSER): $490
• Auto Service Excel Prog (Owens Code: ASEP): $408
• Automotive Technology (Owens Code: AUTO): $408
• Avionics Major (Owens Code: AVMJ): $255
• Baking and Pastry Cert-1 (Owens Code: ZBPD): $665
• Biology Concentration (Owens Code: BIOL): $200
• Biomedical Electronics Maj (Owens Code: BIOM): $231
• Bookkeeping Certificate (Owens Code: ZBKC): $317
• Broadcast Media Technology (Owens Code: BRMT): $296
• Building Maintenance Cert 1 (Owens Code: ZBLD): $183
• Business Management Technology (Owens Code: BUMT): $279
• Business Transfer Pathway (Owens Code: BUTP): $262
• CAD Certificate (Owens Code: ZCDC): $196
• CAD Technology (Owens Code: CADT): $303
• Caterpillar Program (Owens Code: CATP): $434
• Certified Personal Train Cert (Owens Code: ZCPT): $430
• Chemistry Concentration (Owens Code: CHMC): $176
• CISCO Academy Certificate (Owens Code: ZCCO): $761
• Commercial Art Certificate (Owens Code: ZCAR): $290
• Commercial Art Conc (Owens Code: CARC): $263
• Commercial Art Technology (Owens Code: CART): $247
• Commercial Photography Major (Owens Code: COPM): $312
• Commercial Photography Techn (Owens Code: COPH): $259
• Communication Studies Transfer (Owens Code: CMST): $241
• Communication Transfer Pathway (Owens Code: CMTP): $198
• Community & Family Services (Owens Code: CFSC): $203
• Computed Tomography Cert (Owens Code: ZCTC): $270
• Computer Prog Dev I Cert (Owens Code: ZCDI): $500
• Computer Prog Dev II Cert (Owens Code: ZCDV): $701
• Computer Programming Tech (Owens Code: CPPT): $488
• Computer Science Major (Owens Code: CSCI): $319
• Computer Support Tech Cert (Owens Code: ZCSC): $1365
• CPA Qualifying Certificate (Owens Code: ZCPA): $228
• Craft Beverage Certificate (Owens Code: ZCBC): $237
• Criminal Justice Technology (Owens Code: CJST): $117
• Criminal Justice Trans Path (Owens Code: CJPP): $190
• Culinary Arts Cert1 (Owens Code: ZCAB): $808
• Culinary Arts Program (Owens Code: CAPP): $574
• Dana Mechatronics Control Cer (Owens Code: ZDMC): $237
• Dana Mechatronics Eng Cert (Owens Code: ZDME): $182
• Dana Mechatronics Maint Cert (Owens Code: ZDMM): $153
• Dental Assisting Certificate (Owens Code: ZDAC): $298
• Dental Hygiene Program (Owens Code: DHYP): $1094
• Dental Office Coord Cert (Owens Code: ZDOC): $184
• Dental Office Coordinator (Owens Code: DOCD): $184
• Diagnostic Med Sonography (Owens Code: SONO): $725
• Diesel Service Cert 1 (Owens Code: ZDSL): $566
• Diesel Technology (Owens Code: DSLT): $346
• Dietary Manager Cert (Owens Code: ZCDM): $442
• Early Childhood Education Tech (Owens Code: ECET): $231
• Economics Concentration (Owens Code: ECOC): $248
• Economics Transfer Pathway (Owens Code: ECTP): $200
• Education Transfer Conc (Owens Code: EDTC): $262
• Electrical Certificate 1 (Owens Code: ZECT): $199
• Electrical/Electronics Tech (Owens Code: EETT): $224
• Emergency Services Technology (Owens Code: EMST): $332
• EMT-Paramedic Certificate (Owens Code: ZPAR): $582
• Engineering Concentration (Owens Code: EGRC): $170
• English Literature Transfer (Owens Code: ENLT): $263
• Entrepreneurship Certificate (Owens Code: ZENT): $239
• Entrepreneurship Major (Owens Code: ESHP): $244
• Environmental Science Conc (Owens Code: ENST): $227
• Event Planning Certificate (Owens Code: ZEVP): $582
• Ex Sci Personal Train Cert (Owens Code: ZEPT): $563
• Exercise Science Concentration (Owens Code: EXSC): $286
• Fine Art Concentration (Owens Code: FINA): $211
• General Sonography Cert (Owens Code: ZGSC): $693
• Geography Concentration (Owens Code: GEOC): $270
• Geography Transfer Pathway (Owens Code: GETP): $222
• Graphic Design Certificate (Owens Code: ZGDC): $348
• Health Information Mgt Systems (Owens Code: HINF): $399
• History Concentration (Owens Code: HISC): $228
• History Transfer Pathway (Owens Code: HSTP): $186
• Hospitality Management Program (Owens Code: HOSP): $354
• HVAC Certificate 1 (Owens Code: ZVCC): $254
• Industrial Mechanic Cert 1 (Owens Code: ZINM): $303
• Information Systems (Owens Code: INFO): $567
• Insurance Certificate (Owens Code: ZINS): $332
• Insurance Studies (Owens Code: INSS): $234
• John Deere Tech Major (Owens Code: JDEM): $437
• Land and Turfgrass Certificate (Owens Code: ZLND): $84
• Legal Assistant Technology (Owens Code: LAST): $277
• Licensed Practical Nurse Cert (Owens Code: LPNP): $160
• Literature Transfer Pathway (Owens Code: LTTP): $196
• Logistics/Supply Chain Cert (Owens Code: ZLSC): $329
• Logistics/Supply Chain Major (Owens Code: LGSC): $260
• Machining Certificate 1 (Owens Code: ZMCC): $496
• Magnetic Resonance Imaging Tec (Owens Code: MRIT): $434
• Management Certificate (Owens Code: ZMGT): $401
• Manufacturing Foundations Cert (Owens Code: ZMFC): $240
• Marketing and Sales Tech (Owens Code: MKTS): $259
• Mathematics Concentration (Owens Code: MATH): $178
• Media Influencer Certificate (Owens Code: ZMIC): $276
• Medical Assisting Certificate (Owens Code: ZMDA): $414
• Medical Assisting Program (Owens Code: MDAP): $290
• Medical Coding Certificate (Owens Code: ZMED): $307
• Medical Office Support Cert (Owens Code: ZMOS): $318
• Medical Office Support Major (Owens Code: MDOF): $222
• Music Business Technology (Owens Code: MUBT): $224
• Music Educ/Performance Conc (Owens Code: MEPC): $186
• Network Admin Certificate (Owens Code: ZNEC): $885
• Network Tech I Certificate (Owens Code: ZNTI): $1031
• Network Tech II Certificate (Owens Code: ZNII): $706
• Networking and Info Sys Support (Owens Code: NIST): $625
• Nutrition Concentration (Owens Code: NTRC): $237
• Occupational Therapy Assist (Owens Code: OTAP): $173
• Office Administration Tech (Owens Code: OADT): $239
• Office Support Certificate (Owens Code: ZOFF): $367
• Paralegal Transfer Concen (Owens Code: PARA): $273
• Payroll Certificate (Owens Code: ZPAY): $364
• Philosophy Transfer Pathway (Owens Code: PHTP): $200
• Photography Certificate (Owens Code: ZPHO): $403
• Photography Conc (Owens Code: PHOC): $262
• Physical Therapist Assist (Owens Code: PTAP): $223
• Pipefitting/Plumbing Cert 1 (Owens Code: ZPPC): $218
• Political Science Conc (Owens Code: PLSC): $249
• Political Science Transfer Pth (Owens Code: POTP): $201
• Powerskills Certificate (Owens Code: ZPSC): $180
• Pre-Dental Hygiene Conc (Owens Code: PDHT): $221
• Pre-Diagnostic Med Sonography (Owens Code: PDMS): $220
• Pre-Health Info Concentration (Owens Code: PHIT): $216
• Pre-Law Concentration (Owens Code: PLWC): $181
• Pre-LPN to RN Concentration (Owens Code: PLRT): $221
• Pre-Magnetic Resonance Conc (Owens Code: PMAG): $221
• Pre-Medical Assisting Conc (Owens Code: PMAT): $246
• Pre-Nursing Concentration (Owens Code: PNTC): $221
• Pre-Occupational Therapy Conc (Owens Code: POTT): $224
• Pre-Paramedic to RN Conc (Owens Code: PPRT): $271
• Pre-Physical Therapist Conc (Owens Code: PPTT): $221
• Pre-Radiologic Technology Conc (Owens Code: PRAG): $222
• Pre-Surgical Concentration (Owens Code: PSTC): $221
• Pre-Vascular Sonography Conc (Owens Code: PVST): $221
• Pre-Veterinary Tech Cert (Owens Code: PVET): $156
• Prof Law Enforcement Officer (Owens Code: PLEO): $299
• Professional Law Enforce Cert (Owens Code: ZOPA): $616
• Project Management Certificate (Owens Code: ZPMC): $566
• Psychology Concentration (Owens Code: PSYC): $245
• Psychology Transfer Pathway (Owens Code: PSTA): $189
• Psychology Transfer Pathway (Owens Code: PSTP): $187
• Radiologic Technology (Owens Code: RDTT): $1072
• Recording Production Cert (Owens Code: ZRPC): $228
• Registered Nurse Program – LPN (Owens Code: NRSL): $347
• Registered Nurse Program (Owens Code: NRSP): $330
• Sales Certificate (Owens Code: ZSAL): $245
• Security Tech Certificate (Owens Code: ZSTC): $743
• Skilled Trades Build Maint (Owens Code: SKTB): $200
• Skilled Trades Electrical (Owens Code: SKTE): $213
• Skilled Trades Mechanical (Owens Code: SKTM): $300
• Social Work Concentration (Owens Code: SWKC): $216
• Social Work Trans Pathway (Owens Code: SWTP): $183
• Sociology Transfer Pathway (Owens Code: SOTP): $201
• Surgical Technology (Owens Code: SURT): $221
• Technical Theatre Certificate (Owens Code: ZTTC): $206
• Theatre Transfer Pathway (Owens Code: THEP): $168
• Tool and Die/Mold Maker Cert (Owens Code: ZTLD): $474
• Vascular Sonography Cert (Owens Code: ZVSC): $736
• Vascular Sonography Major (Owens Code: VSTM): $723
• Visual Communication Tech (Owens Code: VCMT): $285
• Web Design Certificate (Owens Code: ZWDS): $459
• Web Dev Front-End Cert (Owens Code: ZWFC): $583
• Welding (Owens Code: WELD): $434
• Wide-Area Networking Tech (Owens Code: WANT): $478

Estimated cost for licensure/certification:

• Baking and Pastry Cert-1 (Owens Code: ZBPD): $25
• Certified Personal Train Cert (Owens Code: ZCPT): $320
• Computed Tomography Cert (Owens Code: ZCTC): $225
• Culinary Arts Cert1 (Owens Code: ZCAB): $25
• Culinary Arts Program (Owens Code: CAPP): $25
• Dental Assisting Certificate (Owens Code: ZDAC): $135
• Dental Hygiene Program (Owens Code: DHYP): $2058
• Diagnostic Med Sonography (Owens Code: SONO): $475
• Dietary Manager Cert (Owens Code: ZCDM): $399
• EMT-Paramedic Certificate (Owens Code: ZPAR): $160
• Ex Sci Personal Train Cert (Owens Code: ZEPT): $320
• General Sonography Cert (Owens Code: ZGSC): $250
• Health Information Mgt Systems (Owens Code: HINF): $299
• Hospitality Management Program (Owens Code: HOSP): $36
• Licensed Practical Nurse Cert (Owens Code: LPNP): $200
• Magnetic Resonance Imaging Tec (Owens Code: MRIT): $225
• Medical Assisting Certificate (Owens Code: ZMDA): $125
• Medical Assisting Program (Owens Code: MDAP): $125
• Medical Coding Certificate (Owens Code: ZMED): $498
• Occupational Therapy Assist (Owens Code: OTAP): $615
• Physical Therapist Assist (Owens Code: PTAP): $700
• Radiologic Technology (Owens Code: RDTT): $270
• Registered Nurse Program – LPN (Owens Code: NRSL): $275
• Registered Nurse Program (Owens Code: NRSP): $275
• Surgical Technology (Owens Code: SURT): $247
• Vascular Sonography Cert (Owens Code: ZVSC): $250
• Vascular Sonography Major (Owens Code: VSTM): $475

To estimate overall expenses and potential grant and scholarship aid for attending Owens, please use the Net Price Calculator.

The information that is provided on your Free Application for Federal Student Aid (FAFSA®) is used to calculate an index, which is used in determining your eligibility for financial aid. The formula for this calculation is established by federal law. If you are considered a dependent student, parental data is also included in the formula.

The index is called the Student Aid Index (SAI). Certain information from the federal income tax return, assets and family size are used in the formula.

Learn More About the SAI

Federal regulations require you to disclose, and the Office of Financial Aid to include, outside awards in your financial aid package. As a result, the Office of Financial Aid may reduce the financial aid initially offered to you.

When possible, loans and Federal Work-Study eligibility are adjusted before grants or scholarships. Federal Pell Grant funds are not reduced if you receive a scholarship or other education-based award.

Your financial need is the amount that remains after subtracting your SAI and other student resources from the estimated cost of attendance.

If the resulting calculation is positive, you are considered to have financial need. The Office of Financial Aid attempts to meet your financial needs by providing access to federal and state funds.

If your combined SAI and other resources are higher than the estimated cost of attendance, you will not be eligible for need-based aid. You may still qualify for low-interest educational loans. On-campus employment is another source of funds to help cover school expenses.

The Office of Financial Aid recognizes that a sudden change in family finances can have a direct impact on your ability to continue your education. If you, your spouse, or your parents experienced a substantial change to the income that was reported on the FAFSA®, you have the option to request an adjustment by submitting the Special Circumstances application along with all required documentation.

Students who have not completed the verification process must also submit verification documentation. The Office of Financial Aid can review your financial situation and re-evaluate your eligibility for financial aid. Additional assistance will be based on the availability of funds.

2025-2026 (Summer 2025, Fall 2025, and Spring 2026):

• 2025-2026 Dependent Student Special Circumstances Application (PDF)
• 2025-2026 Independent Student Special Circumstances Application (PDF)

2025-2026 (Summer 2026, Fall 2026, and Spring 2027):

• 2026-2027 Dependent Student Special Circumstances Application (PDF)
• 2026-2027 Independent Student Special Circumstances Application (PDF)

Since you will be the primary beneficiary of your college education, your package will include self-help aid—loans and/or Federal Work-Study.

You may also receive gift aid (grants or scholarships) if you demonstrate sufficient need and funds are available. Gift aid does not have to be repaid as long as you complete all classes for the semester.

The Federal Supplemental Educational Opportunity Grant and Federal Work-Study are offered to eligible students on a first-applied, first-considered basis until funds are exhausted.