dwb2023/document-loader-jul2025 huggingface dataset:
(NCAA)	have	voted	to	expand	their	athletic	scholarships	to	cover	the	full	COA	for	athletes.	Previously,	only	the
components	listed	under	<Allowable	Costs	in	General=	in	this	chapter	were	included	in	COA.	This	change	only	applies	to
the	schools	in	the	Power	Five	but	it	may	be	adopted	by	other	schools	participating	in	Division	I	athletics	at	their	discretion.
One	exception	to	the	full	cost	COA	is	the	practice	of	a	school9s	paying	the	costs	of	an	athlete9s	insurance	against	injury	to
protect	against	loss	of	future	income.	This	expense	may	not	be	included	in	COA	(because	it	is	not	related	to	a	student9s
educational	program),	but	it	is	included	as	other	financial	assistance	(OFA)	for	the	student	in	the	aid	packaging	process.
For	packaging	guidance,	see	Chapter	3	of	this	volume.
Exclusion	of	State	Aid	From	COA	and	OFA
If	the	source	of	assistance	is	a	state	and	is	designated	by	the	state	to	offset	a	specific	component	of	the	student9s	COA,
the	amount	of	that	assistance	may	be	excluded	from	both	COA	and	OFA.	You	may	exclude	such	assistance	on	a	student-
by-student	basis,	but	if	it	is	excluded,	it	must	be	excluded	for	both	COA	and	OFA.	If	the	amount	excluded	is	less	than	the
allowance	provided	in	the	student9s	COA,	you	must	exclude	the	lesser	amount.
Costs	for	Programs	That	Become	Eligible	in	the	Middle	of	a	Year
When	awarding	aid	from	programs	other	than	the	Direct	Loan	Program,	you	may	not	count	toward	the	student9s	COA	any
costs	incurred	in	any	payment	period	prior	to	the	payment	period	during	which	the	program	gained	
Title	IV	eligibility.
When	awarding	aid	from	the	Direct	Loan	Program,	you	may	not	count	any	costs	incurred	in	periods	of	enrollment	(loan
periods)	prior	to	the	period	of	enrollment	during	which	the	program	gained	eligibility.	This	means,	for	example,	that	if	a
program	becomes	eligible	in	the	spring	semester	of	a	fall-spring	academic	year,	you	can	only	include	costs	incurred	in	the
spring	semester	when	awarding	aid	from	programs	other	than	the	Direct	Loan	Program.	However,	if	you	originate	a	Direct
Loan	for	a	loan	period	covering	the	full	academic	year,	you	can	include	costs	incurred	during	both	the	fall	and	spring
semesters	when	determining	the	amount	of	the	loan.
You	may	also	not	include	any	costs	incurred	in	payment	periods	(for	non-loan	programs)	or	periods	of	enrollment	(for
Direct	Loans)	that	the	student	has	already	completed.	For	more	details	on	how	programs	gain	Title	IV	eligibility,	see
Volume	2,	Chapter	5	of	the	FSA	Handbook.
Changes	in	Pell	Grant	COA
For	guidance	on	when	changes	in	the	Pell	Grant	COA	require	you	to	recalculate	a	student9s	Pell	Grant	award,	see	
Volume
7,	Chapter	7.
Costs	Waived	or	Paid	by	Other	Sources
Exclusion	of	State	Aid	From	COA	and	OFA
HEA	Section	480(j)(3)
DCL	GEN-06-05
Change	From	<EFA=	to	<OFA=
Dear	Colleague	Letter	GEN-23-11
cost	for	this	enrollment	period	(assuming	the	terms	are	substantially	equal	in	length).
Important:	When	calculating	COA	for	periods	other	than	nine	months,	you	must	still	use	the	calculated	9-month
SAI.	There	are	no	alternate	SAIs	comparable	to	the	alternate	Expected	Family	Contributions	(EFCs)	that	were	used
prior	to	the	2024-2025	award	year	for	periods	other	than	nine	months.	See	the	Application	and	Verification	Guide
and	Chapter	3	of	this	volume	for	more	information.
$12,500	COA
-	2,500	SAI
-	5,500	Pell	Grant*
-	400	Scholarship
$4,100	remaining	need
*The	$5,500	Pell	Grant	amount	shown	in	this	example	is	for	illustrative	purposes	only	and	is	not	intended	to
represent	the	actual	Pell	Grant	amount	that	a	student	would	be	eligible	to	receive.	See	
Volume	7	for	guidance	on
the	determination	of	Pell	Grant	awards.
Subtracting	the	SAI	and	OFA	from	the	COA	leaves	$4,100	in	remaining	need.	The	student	has	sufficient	need	for
the	maximum	awards	that	the	aid	administrator	can	make	under	the	school's	policy	for	Campus-Based	funds:
$800	FSEOG,	and	$1,800	in	FWS	employment:
$12,500	COA
-	2,500	SAI
-	5,500	Pell	Grant
-	400	Scholarship
-	800	FSEOG
-	1800	FWS
$1,500	remaining	need
The	aid	administrator	finishes	the	packaging	process	by	awarding	a	Direct	Subsidized	Loan	in	the	amount	of
$1,500	to	fully	meet	the	student9s	financial	need.	As	a	dependent	second-year	student,	the	student9s	combined
Direct	Subsidized	Loan	and	Direct	Unsubsidized	Loan	limit	is	$6,500	(maximum	of	$4,500	subsidized).	The
financial	aid	package	now	fully	covers	the	student9s	financial	need	of	$10,000.	However,	the	student	could	also
receive	up	to	$2,500	in	Direct	Unsubsidized	Loan	funds	to	replace	the	SAI	and	completely	cover	the	COA.
$12,500	COA
-	5,500	Pell	Grant
-	400	scholarship
-	800	FSEOG
-	1,800	FWS
-	1,500	Direct	Subsidized	Loan
-	$2,500	Direct	Unsubsidized	Loan
$0	remaining	need
As	noted	earlier	in	the	chapter	a	negative	SAI	is	converted	to	zero	for	packaging	purposes.	For	instance,	if	a
student	with	$15,000	COA	and	a	-500	SAI	receives	a	$7,500*	Pell	Grant,	remaining	need	for	other	need-based
programs	will	be	$7,500:
$15,000
-	0
-	$7,500
$7,500	remaining	need
*Note:	The	$7,500	maximum	Pell	Grant	award	is	a	fictitious	amount	used	for	illustrative	purposes	only.	It	is	not
intended	to	represent	the	actual	maximum	Pell	Grant	award	for	any	particular	award	year.
Direct	PLUS	Loans	are	available	to	parents	of	dependent	undergraduate	students	and	to	graduate	and	professional
students.	Note	that	a	Direct	PLUS	Loan	does	not	count	against	a	graduate/professional	student9s	Direct	Unsubsidized
Loan	annual	or	aggregate	loan	limits.
You	may	not	limit	Direct	Loan	borrowing	by	students	or	parents	on	an	across-the-board	or	categorical	basis	(for	more
information,	see	<Refusing	to	Originate	a	Loan	or	Originating	for	Less	Than	Maximum	Eligibility=	in	Volume	8,	Chapter
1).
Packaging	When	a	Student	Chooses	Not	To	Borrow	Direct	Subsidized	Loans	or	Direct	Unsubsidized	Loans
If	a	graduate	Direct	PLUS	Loan	borrower	has	not	requested	the	maximum	Direct	Unsubsidized	Loan	amount	for	which	they
are	eligible,	you	must:
Notify	the	borrower	of	their	maximum	Direct	Unsubsidized	Loan	eligibility;
Provide	the	borrower	with	a	comparison	of	the	maximum	interest	rates	for	Direct	Unsubsidized	Loans	and	Direct
PLUS	Loans;
Explain	when	a	Direct	Unsubsidized	Loan	enters	repayment	and	when	a	Direct	PLUS	Loan	enters	repayment;	and
Give	the	borrower	the	opportunity	to	request	the	maximum	Direct	Unsubsidized	Loan	for	which	they	are	eligible.
If	a	dependent	student	for	whom	a	parent	is	borrowing	a	Direct	PLUS	Loan	chooses	not	to	apply	for	a	Direct	Subsidized	or
Unsubsidized	Loan,	the	Direct	Subsidized/Unsubsidized	Loan	amount	that	the	student	would	have	been	eligible	to	receive
is	not	counted	as	OFA	when	determining	the	amount	of	the	Direct	PLUS	Loan.	The	same	principle	applies	when	a
graduate	or	professional	student	is	eligible	for	a	Direct	Unsubsidized	Loan	but	chooses	to	borrow	only	a	Direct	PLUS	Loan.
Packaging	Aid	for	Certain	Dependents	of	Deceased	Servicemembers	or	Public	Safety	Officers	(Pell	Grant	Special	Rule)
Volume	3,	Chapter	3,	Example	2:	Graduate/Professional	PLUS	Packaging
A	student	enrolls	in	a	graduate-level	program	with	a	total	COA	of	$31,000.	The	student	has	an	annual	loan	limit	of
$20,500	for	Direct	Unsubsidized	Loans	and	is	also	eligible	for	Direct	PLUS	Loans.
Eligibility	for	Direct	Unsubsidized	Loans	is	determined	by	subtracting	OFA	from	the	COA.	The	SAI	is	not	taken	into
consideration.	The	student	has	already	been	awarded	a	graduate	scholarship	of	$5,000.	Subtracting	this	OFA	from
the	COA	leaves	$26,000	in	unmet	costs	that	the	school	partially	covers	by	awarding	the	student	a	$20,500	Direct
Unsubsidized	Loan.	The	student	now	has	$5,500	in	remaining	costs.
$31,000	COA
-	5,000	scholarship
-	20,500	Direct	Unsubsidized	Loan
$5,500	remaining	costs
As	with	Direct	Unsubsidized	Loans,	eligibility	for	Direct	PLUS	Loans	is	determined	by	subtracting	OFA	from	the
COA.	Subtracting	the	scholarship	and	Direct	Unsubsidized	Loan	from	the	COA	allows	the	student	to	receive	a
Direct	PLUS	Loan	for	$5,500	to	fully	cover	the	COA.
$31,000	COA
-5,000	scholarship
-20,500	Direct	Unsubsidized	Loan
-5,500	Direct	PLUS	Loan
$0	remaining	costs
The	Special	Rule	in	Section	401(c)	of	the	HEA	allows	certain	students	whose	parents	or	guardians	died	while	serving	on
active	duty	in	the	U.S.	Armed	Forces	or	while	serving	as	public	safety	officers	to	receive	the	maximum	Pell	Grant	award,
regardless	of	their	calculated	SAI.	However,	all	other	Title	IV	aid	for	these	students	must	be	based	on	their	calculated	SAI.
See	Volume	7,	Chapter	1	for	the	specific	eligibility	requirements	that	must	be	met	for	a	student	to	receive	the	maximum
Pell	Grant	amount	under	the	Special	Rule,	and	guidance	on	identifying	eligible	students.
Substituting	for	the	SAI
A	school	may	substitute	certain	types	of	aid	for	the	student9s	SAI.	Forms	of	aid	that	may	replace	the	student9s	SAI	include
Direct	Unsubsidized	Loans,	TEACH	Grants,	Direct	PLUS	Loans,	state	loans,	private	education	loans,	or	any	other	non-need-
based	loans.	Note	that	annual	loan	limits	for	Direct	Unsubsidized	Loans	still	apply,	and	the	total	aid	received	(including
amounts	used	to	replace	the	SAI)	cannot	exceed	the	COA.
Volume	3,	Chapter	3,	Example	3:	Pell	Grant	Special	Rule	Packaging
A	full-time	independent	third-year	undergraduate	student	meets	the	eligibility	criteria	under	the	Special	Rule	(as
described	in	Volume	7,	Chapter	1)	to	receive	the	maximum	Pell	Grant	award.	The	student	has	a	COA	of	$15,000
and	an	SAI	of	9,000	for	the	award	year.	The	packaging	process	begins	with	the	maximum	Pell	Grant	award	of
$7,500*.	Although	the	Pell	Grant	amount	exceeds	the	student9s	financial	need	of	$6,000	(as	determined	by
subtracting	the	SAI	of	9,000	from	the	$15,000	COA),	no	overaward	is	created	because	the	student	qualifies	for	the
maximum	Pell	Grant	award	under	the	Special	Rule.
The	student	has	no	eligibility	for	additional	need-based	aid,	but	the	school	awards	a	Direct	Unsubsidized	Loan	in
the	amount	of	$7,500	to	fully	cover	the	student9s	COA:
$15,000	COA
-7,500	Pell	Grant
-7,500	Direct	Unsubsidized	Loan
$0	remaining	costs
*The	$7,500	maximum	Pell	Grant	award	is	a	fictitious	amount	used	for	illustrative	purposes	only.	It	is	not	intended
to	represent	the	actual	maximum	Pell	Grant	award	for	any	particular	award	year.
Regulatory	Citations
34	CFR	685.200(e)
34	CFR	686.21(d)
Note:	Although	the	cited	regulations	refer	to	the	expected	family	contribution,	these	provisions	continue	to	apply
for	purposes	of	substituting	certain	types	of	aid	for	the	SAI.
Volume	3,	Chapter	3,	Example	4:	Replacing	the	SAI	With	Unsubsidized	Loan	Funds:	Dependent	Student
A	first-year	dependent	student	has	a	COA	of	$10,800	and	an	SAI	of	8,000,	so	the	student9s	financial	need	is
$2,800:
$10,800	COA	-	8,000	SAI	=	$2,800	financial	need
The	student	is	not	eligible	for	a	Pell	Grant,	and	the	school	does	not	participate	in	the	Campus-Based	Programs.
The	combined	Direct	Subsidized	Loan	and	Direct	Unsubsidized	Loan	annual	loan	limit	for	a	first-year	dependent
student	is	$5,500	(maximum	$3,500	subsidized).	The	student	qualifies	for	a	$2,800	Direct	Subsidized	Loan	to	fully
cover	their	financial	need.
Eligibility	for	a	Direct	Unsubsidized	Loan	is	determined	by	subtracting	OFA	from	the	COA	(the	SAI	is	not	taken	into
consideration):
$10,800	COA	-	$2,800	Direct	Subsidized	Loan	=	$8,000	Direct	Unsubsidized	Loan	eligibility
This	full	amount	cannot	be	covered	with	a	Direct	Unsubsidized	Loan	because	of	the	$5,500	combined	Direct
Subsidized	Loan/Direct	Unsubsidized	Loan	annual	loan	limit.	However,	the	student	is	eligible	to	borrow	an
additional	$2,700	in	the	form	of	a	Direct	Unsubsidized	Loan	to	cover	part	of	the	SAI:
$5,500	combined	subsidized/unsubsidized	annual	loan	limit	-	$2,800	Direct	Subsidized	Loan	=	$2,700	in
remaining	Direct	Unsubsidized	Loan	eligibility	under	the	annual	loan	limit
The	student9s	parents	could	then	borrow	a	Direct	PLUS	Loan.	As	with	Direct	Unsubsidized	Loans,	eligibility	for
Direct	PLUS	Loans	is	determined	by	subtracting	OFA	from	the	COA:
$10,800	COA	-	$2,800	Direct	Subsidized	Loan	-	$2,700	Direct	Unsubsidized	Loan	=	$5,300	in	Direct	PLUS	Loan
eligibility
The	Direct	PLUS	Loan	would	cover	the	remaining	portion	of	the	SAI	and	fully	cover	the	COA:
$10,800	COA	-	$2,800	Direct	Subsidized	Loan	-	$2,700	Direct	Unsubsidized	Loan	-	$5,300	Direct	PLUS	Loan	=	$0
unmet	cost
As	an	alternative	to	the	student	taking	out	the	$2,700	Direct	Unsubsidized	Loan,	the	student9s	parent	could
borrow	up	to	$8,000	in	the	form	of	a	Direct	PLUS	Loan	to	replace	the	SAI	and	fully	cover	the	COA:
$10,800	COA	-	$2,800	Direct	Subsidized	Loan	=	$8,000	in	Direct	PLUS	Loan	eligibility
Another	option	(to	eliminate	the	need	for	the	student	to	incur	any	student	loan	debt	at	all)	would	be	for	the
student9s	parent	to	take	out	a	Direct	PLUS	Loan	in	the	amount	of	$10,800	to	cover	the	full	COA.
Volume	3,	Chapter	3,	Example	5:	Replacing	the	SAI	With	Unsubsidized	Loan	Funds:	Independent	Student
A	first-year	independent	student	has	a	COA	of	$9,000	and	an	SAI	of	2,050,	resulting	in	financial	need	of	$6,950:
$9,000	COA	3	2,050	SAI	=	$6,950	financial	need
The	student	is	eligible	for	a	$5,450	Pell	Grant*,	and	the	school	also	awards	a	$1,000	FSEOG.	This	leaves	the
student	with	remaining	need	of	$600,	which	can	be	covered	with	a	Direct	Subsidized	Loan:
$9,000	COA	3	2,050	SAI	-	$5,450	Pell	Grant	-	$1,000	FSEOG	=	$500	Direct	Subsidized	Loan	eligibility
The	student9s	financial	need	is	now	fully	covered	by	the	Pell	Grant,	FSEOG,	and	Direct	Subsidized	Loan.
The	combined	Direct	Subsidized	Loan	and	Direct	Unsubsidized	Loan	annual	loan	limit	for	a	first-year	independent
Other	Financial	Assistance	(OFA)
In	contrast	to	Pell	Grants,	you	must	take	other	aid	into	account	when	awarding	TEACH	Grants,	Campus-Based	aid,	or
Direct	Loans.	As	noted	earlier,	the	other	aid	that	must	be	considered	is	called	<other	financial	assistance=	(OFA).	OFA	is
generally	used	in	the	same	way	for	the	Direct	Loan	Program	as	for	the	TEACH	Grant	and	Campus-Based	programs.
However,	there	are	differences	in	the	treatment	of	AmeriCorps	benefits,	as	discussed	later	in	this	chapter.
In	general,	OFA	as	defined	for	the	Direct	Loan,	Campus-Based,	and	TEACH	Grant	programs	refers	to	aid	from	the	
Title	IV
programs,	as	well	as	other	grants,	scholarships,	loans,	and	wages	from	need-based	employment	that	you	can	reasonably
anticipate	at	the	time	you	award	aid	to	the	student,	whether	the	assistance	is	awarded	by	the	school	or	by	an	individual
or	organization	outside	the	school.
If	aid	is	excluded	from	either	OFA	or	COA,	that	amount	must	be	excluded	from	both	OFA	and	COA.	For	Direct	Loans,	the
regulations	specify	that	OFA	is	aid	that	the	student	will	receive	for	the	same	period	of	enrollment	as	the	loan.	As	noted	in
Chapter	1,	it9s	usually	best	to	originate	a	loan	for	a	period	that	matches	the	academic	year	or	other	period	that	you9re
using	to	award	funds	from	other	
Title	IV	programs.	The	amount	of	a	private	education	loan	which	exceeds	the	SAI	when
substituting	for	the	SAI	is	considered	OFA.
When	classifying	non-
Title	IV	sources	of	aid,	if	a	student	receives	the	award	because	of	postsecondary	enrollment	(for
example,	a	scholarship	from	a	local	social	club	that	requires	a	student	to	be	attending	a	postsecondary	school),	it	counts
as	OFA	if	it	is	not	considered	wages	for	employment	according	to	federal	or	state	rules,	or	if	it	is	considered	wages	and	is
based	on	need.	Any	amount	that	appears	as	income	on	the	tax	return	will	also	be	included	on	the	appropriate	line	on	the
FAFSA	form	in	the	section	for	student	income.	If	the	award	is	considered	wages	for	employment	but	is	not	based	on	need,
then	it	is	not	OFA	and	it	remains	in	income.
Compensation	that	a	student	athlete	receives	under	a	name,	image,	and	likeness	(NIL)	contract	is	a	non-need-based
source	of	income	and	therefore	is	not	considered	OFA.
Table	1	at	the	end	of	this	section	provides	examples	of	what	is	and	is	not	considered	OFA.
student	is	$9,500	(maximum	$3,500	subsidized).
The	student	can	also	receive	a	Direct	Unsubsidized	Loan	in	the	amount	of	$2,050	to	replace	the	SAI	and	fully
cover	the	COA:
$9,000	COA	-	$5,450	Pell	-	$1,000	FSEOG	-	$500	Direct	Subsidized	Loan	=	$2,050	Direct	Unsubsidized	Loan
eligibility
The	aid	package	now	fully	covers	the	student9s	COA:
$9,000	COA	-	$5,450	Pell	-	$1,000	FSEOG	-	$500	Direct	Subsidized	Loan	-	$2,050	Direct	Unsubsidized	Loan	=	$0
unmet	cost
*The	$5,450	Pell	Grant	amount	shown	in	this	example	is	for	illustrative	purposes	only	and	is	not	intended	to
represent	the	actual	Pell	Grant	amount	that	a	student	would	be	eligible	to	receive.	See	
Volume	7	for	guidance	on
the	determination	of	Pell	Grant	awards.
Estimated	Financial	Assistance
Campus-Based:	34	CFR	673.5(c)
Direct	Loans:	34	CFR	685.102(b)
HEA:	Sec.	428(a)(2)(C)(ii)
Recalculation
Any	time	a	student	begins	attendance	in	at	least	one	course	but	does	not	begin	attendance	in	all	the	courses	they	were
scheduled	to	attend	and	on	which	eligibility	for	
Title	IV	Aid	was	based,	the	school	must	recalculate	the	student9s	eligibility
for	Pell	Grants	and	TEACH	Grants,	based	on	the	revised	enrollment	intensity	(for	Pell	Grants)	or	enrollment	status	(for
TEACH	Grants)	and	COA.	For	the	Campus-Based	programs,	if	a	change	in	a	student9s	enrollment	status	results	in	a	change
in	the	student9s	COA,	the	school	must	recalculate	the	student9s	eligibility	based	on	the	revised	COA.	In	this	circumstance,
the	$300	overaward	tolerance	under	the	Campus-Based	programs	does	not	apply	(see	<Campus-Based	Overaward
Threshold=	later	in	this	chapter	for	more	information).
A	school	may	adopt	a	recalculation	policy	that	is	stricter	than	what	the	regulations	require	(for	example,	a	policy	that
requires	recalculation	up	to	a	census	date	or	any	time	within	a	term	or	period	of	enrollment).	If	a	school	adopts	a	policy	of
Grants,	including	FSEOG	and	state	grants;
Scholarships,	including	athletic	scholarships
and	scholarships	that	require	future
employment	but	are	given	in	the	current	year;
Employer	reimbursement	of	employee9s	tuition;
Waivers	of	tuition	and	fees;
Fellowships	or	assistantships,	except	non-need-
based	employment	portions	of	such	awards;
Income	from	insurance	programs	that	pay	for
the	student9s	education;
Net	income	from	need-based	employment	such
as	FWS;
AmeriCorps	awards	or	post-service	benefits
(except	when	determining	eligibility	for	Direct
Subsidized	Loans);
McNair	Postbaccalaureate	Achievement
Program;
TEACH	Grants	(except	amounts	used	to	replace
the	SAI	-	see	<Not	counted	as	OFA=);
Private	education	loans	(except	amounts	used
to	replace	the	SAI	-	see	<Not	counted	as	OFA=);
and
Funds	received	through	income	share
agreements	(see	the	Note	below)	that	are	used
to	finance	a	student9s	expenses	for
postsecondary	education.
Subsidized	Loans,	AmeriCorps	national	service
education	awards	or	post-service	benefits;
The	amounts	of	any	TEACH	Grants,	Direct
Unsubsidized	Loans,	Direct	PLUS	Loans,	and
non-federal	non-need-based	loans,	including
private,	state-sponsored,	and	institutional
loans,	that	are	used	to	replace	the	SAI
(amounts	that	exceed	the	SAI	must	be	treated
as	OFA);
Foster	care	benefits	received	under	Title	IV,
Part	E,	of	the	Social	Security	Act,	including
education	and	training	vouchers	and	room	and
board	that	students	receive	as	extended	foster
care	benefits	under	Section	477	of	the	Social
Security	Act;	and
Emergency	financial	assistance	provided	to	a
student	(for	example,	emergency	grants	or
short-term	emergency	loans)	for	expenses	that
are	associated	with	an	allowable	COA
component	and	not	otherwise	included	in	the
student9s	COA.
Note:	A	student	loan	originator's	income	share	agreement	(ISA)	that	is	used	to	finance	a	student's
postsecondary	education	expenses	is	considered	to	be	a	private	education	loan.	For	more	information	see
the	March	2,	2022	Electronic	Announcement	posted	in	the	Knowledge	Center.
FAFSA	Submission	Summary.
Pell	Crossover	Issues
For	Pell	Grant	purposes,	you	may	assign	crossover	payment	periods	to	the	award	year	that	best	meets	the	needs	of	your
students	and	maximizes	a	student9s	eligibility	over	the	two	award	years	in	which	the	crossover	payment	period	occurs.
You	may	assign	the	Pell	Grant	award	to	a	different	award	year	than	the	award	year	used	for	awarding	the	rest	of	the
student9s	
Title	IV	aid.	For	more	detail	on	calculating	Pell	Grant	awards	in	crossover,	summer,	mini-session,	and	transfer
situations,	see/Volume	7,	Chapter	5.
Crossover	Period	SAIs	and	Title	IV	Aid
In	a	crossover	payment	period,	when	using	Pell	Grant	funds	from	a	different	award	year	than	the	award	year	used	to
award	other	Title	IV	aid,	you	must	use	the	same	SAI,	COA,	and	need	for	all	programs	except	the	Pell	Grant	Program.	For
Pell	Grants,	you	use	the	SAI,	COA,	and	need	for	the	award	year	from	which	the	student	will	be	paid,	and	use	the	amount	of
Pell	Grant	funds	received	in	determining	remaining	need	when	packaging	aid	from	other	Title	IV	programs.
Packaging	Veterans	Benefits,	AmeriCorps,	Vocational	Rehabilitation	Funds,	and	BIA	Grants
Veterans	Education	Benefits
For	
Title	IV	purposes,	federal	veterans	education	benefits,	as	defined	under	Section	480(c)	of	the	HEA,	are	not	treated	as
Volume	3,	Chapter	3,	Table	2:	Awarding	Title	IV	Aid	for	Crossover	Periods
Title	IV
Program
Applicable
crossover
period
Choice	of	award
year	SAI?
Use	same
award	year
SAI	for	all
students	in
crossover
period?
Use	same
award	year,
SAI,	COA,	and
need	to	award
student	other
Title	IV	aid?
Use	funds
from	the
same	award
year	as
SAI?
Choice	of
academic	year
for	annual
loan	limit
regardless	of
award	year
SAI	used?
Pell
Grant
Payment
period Yes No Not	applicable Yes Not	applicable
FWS Award
period
Yes,	if	student	is
attending	classes.	(If
student	is	not
attending,	you	must
use	SAI	for	next
period	of	enrollment)
No Yes,	except	for
Pell	Grant
No,
disbursement
from	award
year	in	which
hours	were
worked
Not	applicable
FSEOG Payment
period Yes No Yes,	except	for
Pell	Grant No Not	applicable
Direct
Loans
Loan
period Yes No Yes,	except	for
Pell	Grant
Not
applicable
Yes,	for	term-
based	credit-
hour	programs
using	SAY.	Not
relevant	for
BBAY.