QCC offers a variety of financial aid programs including scholarships, grants, loans and other forms of financial aid.
- Federal Pell Grant - This is gift aid awarded by the federal government to students demonstrating substantial financial need. Changes in enrollment status through the add/drop period will result in an adjustment to this award.
- Federal Supplemental Educational Opportunity Grant - This is a federally funded grant program. Recipients are selected by Quinsigamond Community College according to federal regulations that require SEOG be awarded to students with the lowest family contributions and greatest financial need, usually Federal Pell Grant recipients. Priority is also given to students enrolled in at least six credits.
- MA Cash Grant - This is a state-funded grant program designed to assist needy Massachusetts residents attending public colleges and registered for at least three credits. Eligibility is determined by the college according to state regulations. The Cash Grant cannot exceed the cost of tuition and fees.
- MassEducate - This is a program to fund free community college for students who have not yet earned a bachelor's degree and are either under 25 or have an Associates degree. This is a state funded grant available to both full-time and part-time (6+ credits each semester) students who meet Massachusetts residency requirements, have completed the FAFSA (or MASFA), and demonstrate financial need for tuition and fees after accounting for all forms of grant and scholarship aid. A book allowance may be included based on family income and amounts will vary based on level of enrollment. This program is available for Fall, Spring and Summer. There are time limits on how long a student may receive this funding type based on their program length.
- MASSGrant - This is a state grant awarded by the Commonwealth of Massachusetts to its residents with exceptionally high financial need. The state Office of Student Financial Assistance notifies residents of their eligibility and the college certifies this eligibility. Funds are not available until this certification is completed. You must be enrolled for a minimum of 12 credits to receive this grant. This program is available in the Fall and Spring semesters.
- MASSGrant Plus - This is a state funded grant available to both full-time and part-time (6+ credits each semester) students who meet Massachusetts residency requirements, have completed the FAFSA (or MASFA), and demonstrate financial need for tuition and fees after accounting all forms of grant and scholarship aid. A book stipend is included based on level of enrollment. Pell eligible students will be prioritized. Deadlines may be applied annually based on the amount allocated to the College by the state. This program is available in the Fall, Spring and Summer semesters while funds are available.
- MassGrant Plus Expansion - This is a program to provide additional financial assistance to students under the age of 25 who do not already have a college degree. This is a state funded grant available to students who meet Massachusetts residency requirements, have completed the FAFSA (or MASFA), and demonstrate financial need for tuition and fees after accounting all forms of grant and scholarship aid. Pell Grant eligible students may be enrolled full-time or part-time (6+ credits each semester). A book allowance is included for Pell Grant eligible students based on level of enrollment. Students who have an EFC between 6657 and 15000 must be enrolled full-time to qualify and will receive a reduced amount. This program is available for Fall, Spring and Summer. There are time limits on how long a student may receive this funding type based on their program length. Deadlines may be applied annually based on the amount allocated to the College by the state.
- MassReconnect - This is a program to fund free community college for adults 25 and older who do not already have a college degree. This is a state funded grant available to both full-time and part-time (6+ credits each semester) students who meet Massachusetts residency requirements, have completed the FAFSA (or MASFA), and demonstrate financial need for tuition and fees after accounting for all forms of grant and scholarship aid. A book allowance is included based on level of enrollment. This program is available for Fall, Spring and Summer. There are time limits on how long a student may receive this funding type based on their program length.
- Community College Nursing Scholarship - This is a program to fund free community college for students that do not already have a college degree who are pursuing certain Nursing and pre-Nursing programs. This is a state funded grant available to both full-time and part-time students who meet Massachusetts residency requirements, have completed the FAFSA, and demonstrate financial need for tuition and fees after accounting all forms of grant and scholarship aid. A book stipend is included based on level of enrollment. This program is available for Fall, Spring and Summer. There are time limits on how long a student may receive this funding type based on their program length. This program was discontinued after 2023-2024 once MassEducate was passed.
- MA Public Service Grant - Established to provide educational opportunity to family members in recognition of the hardship that a family experiences upon the loss of a parent and or spouse who is killed or missing in the line of public service duty in the Commonwealth of Massachusetts. The award value is equal to the college's full time tuition charge.
- Paraprofessional Teacher Preparation Grant - Provides financial assistance to paraprofessionals in a Massachusetts public school who wish to pursue teacher education and become certified to teach full-time in Massachusetts' public schools.
Tuition Waivers cannot exceed the amount of tuition charged each term. Unless otherwise stated, a tuition waiver does not apply to fees.
- Categorical Tuition Waivers: The Commonwealth of Massachusetts provides tuition waivers to eligible (1) Veterans (2) Native Americans (3) Senior Citizens (4) members of the Armed Forces (5) Clients of the Massachusetts Rehabilitation Commission or Commission for the Blind.
- City of Worcester Tuition Waiver: The city of Worcester issues up to five 100% tuition waivers per semester, for the fall and spring semesters, to employees of the city of Worcester.
- DSS Adopted Children Tuition Waiver is designed to lessen the financial burden on adopting parents in the Commonwealth. This Waiver extends eligibility to all children and young adults, age twenty-four or under, adopted through the Department of Social Services by state employees or eligible Massachusetts residents, regardless of the date of adoption. Fees may be covered through a state grant for state-supported courses. You must provide the letter from DCF stating that you qualify for the program to the QCC Financial Aid Office.
- DSS Tuition Waiver for Foster Care Children is designed to provide financial support for higher education to foster children in state custody who were neither adopted nor returned home. Fees may be covered through a state grant for state-supported courses. You must provide the letter from DCF stating that you qualify for the program to the QCC Financial Aid Office.
- Higher Education Employee Tuition Waiver: Employees of institutions of higher education in the state of Massachusetts are eligible for a tuition waiver for themselves, their spouses and their dependent children. Full time employees may receive a 100% waiver, part time employees receive 50%.
- Human Service Provider Tuition Waiver is a program of the Massachusetts Council of Human Service Providers Inc., eligible employees of certain Human Service Providers may receive a 100% tuition waiver by submitting a Certificate of Employee Eligibility for Tuition Remission approved by their Human Resources representative. Qualification of an organization as an Eligible Human Services Provider will be determined on the basis of lists of providers under contract with the Commonwealth that are maintained by the Comptroller of the Commonwealth.
- Massachusetts National Guard Tuition Waiver: Certain eligible members of the Massachusetts National Guard may receive a 100% tuition waiver for up to 30 credit hours per school year. A certificate for this waiver must be issued by the member's unit Administration or Education office.
- Need Based Tuition Waiver is a state-funded program available to needy Massachusetts residents attending public colleges and registered for at least three credits. Eligibility is determined by the college according to state regulations. If you receive any other type of tuition waiver you may not receive this need-based tuition waiver as well. The amount of the waiver cannot exceed the cost of tuition.
- Quinsigamond Community College Full-Time Employee Tuition and Fee Waiver: QCC employees, their spouses and their dependents are eligible for a 100% waiver of tuition charges. In addition, employees may receive a 100% waiver of educational fee charges. Spouses and dependents of employees may receive a 50% waiver of educational fee charges.
- Stanley Z. Koplik Certificate of Mastery Tuition Waiver: Honors students who are awarded Stanley Z. Koplik Certificate of Mastery Awards by the Department of Education.
- September 11, 2001 Tragedy Tuition Waiver provides a 100 percent tuition waiver to children and widowed spouses of Massachusetts residents for any state supported course or program offered by a Massachusetts public college or university.
- State Employee Tuition Waiver: Employees of Massachusetts state agencies are eligible for a 100% tuition waiver for themselves and their spouses.
- Valedictorian Program Tuition Waiver: Honors students who were designated as valedictorians by a Massachusetts High School.
QCC (Internal) Scholarships
Please visit the QCC Foundation website to learn more about eligibility and applying.
Outside/External Scholarships
Scholarship agencies contact us with opportunities for students to apply for outside scholarships. They are listed below. Please note that QCC is not affiliated with these scholarships and interested students must apply on their own and ask any questions to the scholarship agency directly.
Loans
Federal Direct Loans (Subsidized & Unsubsidized): A federal loan that must be repaid under the terms of a promissory note. Only borrow the loan if you absolutely need this funding. You must be enrolled for a minimum of six credits to be eligible for the direct loan. Subsidized loans do not accrue interest until you enter repayment. Unsubsidized loans accrue interest upon disbursement.
Parent PLUS Loans: A federal loan that must be repaid under the terms of a promissory note. The borrower is the parent of a student. Parent PLUS loans accrue interest upon disbursement. Repayment begins sooner than federal student loans, but a parent may request a deferment of repayment while the student is in school and up to 6 months after. Parent PLUS loans are not guaranteed- the parent borrower must pass a credit check to qualify.
Private Education Loans: Private education loans must be repaid by the borrower under the terms of a promissory note. Borrowers must pass a credit check to qualify and may need a cosigner (another individual who agrees to be responsible for the repayment of the loan). Terms and conditions, as well as interest rates, vary among lenders and are often less advantageous than federal student loans. QCC does not have a preferred lenders list. We recommend you research more than one lender to determine which loan is the best for you.
Federal Work Study Employment
The Federal Work Study program provides an excellent opportunity for students with financial need to work in part-time jobs, up to 20 hours per week. You will earn money to assist you with college expenses while gaining work experience. Work study jobs are available on-campus and off-campus in community service organizations and schools in the Worcester area. You may also be able to create your own work study job. Limited funding is available for each academic year.
The pay rate for work study starts at $15.00 per hour. The amount of your award will depend on your pay rate, the amount of financial need that you have and the number of hours that you work. You will receive a paycheck every two weeks for the hours worked in the previous pay period.
To apply for a Federal Work Study position, submit a completed Student Job Request Form to the Financial Aid Office.
Contact us if you have any questions. Please stop by second floor of the HLC, email us at financialaid@qcc.mass.edu or call us at 508.854.4261.
Scholarship Resources
Check out these comprehensive sites for more information on many external scholarship programs you may be eligible for.
Olga Lopez-Hill Scholarship
Income Tax Incentives
Federal Tax Credits
The tax code provides a variety of tax incentives for families who are saving for, or already paying, higher education costs or are repaying student loans.
You may be able to claim an American Opportunity Tax Credit and Lifetime Learning Credit for the qualified tuition and related expenses of the students in your family (i.e., you, your spouse, or an eligible dependent) who are enrolled in eligible educational institutions. Different rules apply to each credit.
You may also be able to deduct interest you pay on a qualified student loan.
Massachusetts Tax Credits
The Commonwealth offers a variety of education-related tax deductions.