Financial Aid

Home » Admissions and Aid » Financial Aid
A financial aid advisor meets with a student

Grants, scholarships, and student loans can help make college affordable. Of course to qualify for financial aid, first you have to apply. We can help.

Financial aid is available from the federal government, state government and private sources; and it can come in the form of grants, student loans, and work study jobs.

Estimate your NWTC expenses and determine financial aid eligibility.

Why you should apply for Financial Aid

Did you know financial aid is not just “free money”? And it’s not “just loans”? There are several types of financial aid and many benefits.

Financial aid can reduce costs and help cover living expenses during your college years. Here's why you should consider applying for financial aid. 

  1.  Qualify for grants: By applying for financial aid, you will find out if you are eligible for grants, which do not require repayment. Grants can make a significant difference in financing your education. Changes to the 2024-2025 FAFSA mean more students/families could qualify!
  2. Access scholarships: Like grants, scholarships do not have to be paid back. Many scholarships require applicants to have also applied for financial aid. Be sure to apply for financial aid to increase your chances of accessing valuable scholarships.
  3. Qualify for flexible loans: If grants and scholarships don't cover your costs, affordable loans (with low monthly repayment plans) are available. Loan repayment starts six months after you stop attending college or begin taking fewer than six credits.
  4. Earn Money: Some students can qualify for the Federal Work-Study Program, where you can earn money to help pay for college expenses.


Financial Aid: Myths Vs. Reality

  • "My family makes too much money": Financial aid considers more than just income. It considers factors like family size, age, and college credits enrolled.
  • “I don’t qualify”: It is crucial not to assume you do not qualify. The best way to determine eligibility is by applying for financial aid.
  • "I don't want loans!": Applying for financial aid doesn't commit you to loans. It explores all options. Plus, you can decline loans or choose the loan amount you need (up to the amount offered to you).
  • "I don't have time!": Investing 30 minutes to apply for financial aid can save you thousands in tuition and books.
  • "I was too late!": That is usually not the case! However, applying early does increase your chances of avoiding late fees, and being considered for all types of funding (some types can run out), and allow for a more positive experience at NWTC (like being able to continue to register for classes each semester).


Fact: The average NWTC student who graduated high school in 2023 and applied for financial aid received $3,252 in scholarships and grants. The average tuition and books cost was $2,271.  

We encourage you to apply for financial aid if you have not done so already. Get started at

Applying for Financial Aid

To receive all of the aid you are eligible for, it's important to understand the financial aid application process. You can apply for many types of financial aid at the same time using one form called the Free Application for Federal Student Aid (FAFSA).

Learn how to apply

Types of Financial Aid


Contact the Financial Aid Office via phone, email, social media, chat or stop in!

How to contact Financial Aid Office

News and Updates

  • Summer Financial Aid offers will begin in May (you must be enrolled in a summer class and have remaining eligibility).
  • 2024-25 FAFSA application is now open, but has changed from past years.  Learn more here.  We will start processing 2024-25 FAFSAs in June.
  • What will I need to fill out the FAFSA? Get the list.
  • Do you have a defaulted student loan?  Read about the Fresh Start program.