Grants, Loans, and Employment

Alternative Loan Programs

Upon request, the financial aid office can provide information about alternative loan programs that offer assistance to students who do not otherwise qualify for federal loans.

Emergency Student Loan Fund

These funds, made available by the Student Government Association, are available to students during the college academic year on a short-term basis for college-related expenses. Contact the student services office for more information about this program.

Federal Parent Plus Loan (dependent students)

A parent of a dependent student may borrow up to the maximum cost of education minus the student’s total financial aid award.

Federal Pell Grant

Awards range from $200 to $6,195 per year and are awarded to low-income students. The amount of the award is determined by enrollment status (full- or part-time) and family contribution.

Federal Direct Loan Program

The Stafford Loan is for students who do not qualify for or receive a limited amount of the above sources of aid. This is a low, variable-interest rate loan that does not have to be repaid until after enrollment ceases. The loan range is $200 to $5,500 per year. Students must demonstrate financial need for a subsidized Stafford Loan. There is also an unsubsidized Stafford for students who do not demonstrate financial need.

Federal Supplemental Educational Opportunity Grant (SEOG)

Pell grant recipients receive preference. The awards range from $100 to $1,000 per year.

Federal Work Study (FWS)

Students can obtain part-time employment on or off-campus during the academic year and summer. The average award is $2,500 per academic year. Students earn $12.75 per hour and are paid every two weeks. Off-campus employment must be with a non-profit agency and arranged through the financial aid office.

Health Career Opportunity Program (HCOP)

The North Central Massachusetts Health Career Opportunity Program (HCOP) is a selective program that prepares students for careers in the allied health fields. For more information about the various program MWCC offers, click here.

The NCM HCOP is supported by the Health Resources and Service Administration (HRSA) of the US Department of Health and Human Services (HHS) as part of an award totaling $3.2 million with zero percentage financed with non-governmental sources.

MASSAid – Massachusetts Office of Student Financial Assistance

The mission of the Massachusetts Office of Student Financial Assistance (OSFA) is to promote and enhance access to higher education by delivering quality student financial aid information and services to residents of the Commonwealth, and thus ensuring that they have an opportunity to enrich their lives and contribute to the economic development and social progress of the state.

OSFA is primarily responsible for the management and oversight of all state-funded financial aid programs and advises the Board of Higher Education about financial aid policy matters of concern to the Commonwealth of Massachusetts. In addition to its financial aid responsibilities, OSFA is the principal agency for promoting access to higher education through early awareness initiatives that foster the recognition of college as a viable post-secondary option and the availability of financial aid resources to help students and families meet college costs.

OSFA has a variety of merit- and need-based grant, scholarship, no-interest loan and tuition waiver programs available for your use at Massachusetts Public Higher Education Institutions including Community Colleges.

Massachusetts Part-time Grant

Award maximum is $450 per year for a student enrolled in at least six credits per semester but less than 12 credits per semester. Recipients must be Massachusetts residents for one year and Pell Grant recipients.


Students must meet Massachusetts residency requirements and be enrolled full-time. The awards range from $300 to $900 per year. Eligible students will receive notification from the Massachusetts Office of Student Financial Assistance. Application deadline is May 1 prior to the academic year.

MWCC Grant and College Assistance Grant

The award amount cannot exceed the total cost of tuition and fees. Recipients must be Massachusetts residents for one year, maintain half-time enrollment status, and demonstrate need.

Tuition Waiver

Awards cannot exceed state-supported tuition charges (Tuition-Day Charge). Recipients must be Massachusetts residents for one year, enroll in state-supported courses, maintain half-time enrollment status, and demonstrate need.