Office of Financial Aid

Determining Eligibility 

Student applying for Federal Student Aid must meet the following criteria:

  1. Be a U.S. citizen or eligible non-citizen.
  2. Have a valid Social Security Number
  3. Be registered with Selective Service if you are a male and 18 to 25 years of age.
  4. Have a high school diploma or General Education Development Certificate (GED) or passed an exam approved by the US Department of Education.
  5. Be enrolled or accepted for enrollment as a regular student working toward a degree.
  6. Not have a drug conviction for an offense that occurred while you were received federal student aid such as grants, loans, or work-study.
  7. Must not owe a refund on a Federal Grant or be in default on a Federal Student Loan.
  8. Must demonstrate financial need (except for Unsubsidized Stafford Loans)

How Your Award is Calculated

To determine the types and amounts of financial aid a student is eligible to receive our office must take into account the student’s Expected Family Contribution (EFC), Estimated Cost of Attendance (COA), current grade level and merge this information in the federal and state aid program parameters.

Expected Family Contribution

The Expected Family Contribution is a measure of your family's financial strength and is calculated according to a formula established into law by the Department of Education. Your family's taxes, untaxed income, assets, and benefits such as unemployment are all considered in the formula. Also considered are your family size and the number of family members who will attend college during the academic year. Your EFC is the amount of funding you and your parents are expected to contribute toward one year of your education.

Estimated Cost of Attendance

The Estimated Cost of Attendance is an estimate of the amount of money required to attend Morehouse College for one year  (fall and spring semesters). This amount includes tuition and fees, room and board (meals), books and supplies, transportation, personal expenses, health insurance (if applicable), and a loan fee.

Unmet Financial Need

 Unmet Financial Need is determined by subtracting your EFC from your COA. Financial need is the maximum amount of need based aid a student is eligible to receive.

Estimated Cost of Attendance


Expected Family Contribution


Financial Need