Post-Baccalaureate

Are you thinking of returning to school and you already have a bachelor's degree? The bad news is that you are no longer eligible for federal or state grant money. The good news is that you may be eligible for money through the Stafford Loan program. 

Second Degree In order to receive financial aid in pursuit of a second degree, you must complete the Free Application for Federal Student Aid (FAFSA) for the school year that you wish to attend. Because you have already earned a degree, you will be eligible for loans only. Your advisor will have to evaluate the number of credits from your first degree that will count toward your second degree. If you have not yet reached your maximum aggregate undergraduate loan amount of $31,000, you may borrow through the Stafford Loan program.

The table below defines the annual loan amounts you may be eligible to receive. 

 Credits Applied Toward Second Degree

 Dependent Students

 Independent Students

 0-23

 $5,500
(of which $3,500 can be subsidized)

 $9,500  
(of which $3,500 can be subsidized)

 24-53

 $6,500
(of which $4,500 can be subsidized)

 $10,500  
(of which $4,500 can be subsidized)

 54 or more

 $7,500
(of which $5,500 can be subsidized)

 $12,500  
(of which $5,500 can be subsidized)

If you need additional money, alternative loans are an available resource. You may seek alternative loans until you complete your degree.

Teacher Certification If you are coming back to school to pursue teacher certification, you must complete the Free Application for Federal Student Aid (FAFSA) for the school year that you wish to attend. For financial aid purposes, you will be considered a grade level 5 student.

Since you have already earned a degree, you will be eligible only for loans. Being enrolled in a teacher certification program, you may receive up to $5,500 through the Stafford Loan Program. If you are an independent student, as defined by federal guidelines, you may borrow an additional $7,000 in unsubsidized Stafford Loan funds.

If you need additional money to help cover the cost of your education, alternative loans are an available resource. Many banks and outside lending agencies offer alternative loan programs. You may borrow alternative loans until your certification program is complete, as long as you continue to meet your lender’s requirements.

Graduate School Prerequisites You may apply for a Stafford Loan for coursework that you need to complete before being admitted to a graduate program. Some stipulations exist.

  • You must provide documentation from the school to which you are applying that shows the prerequisite requirements needed for admittance into the graduate program.
  • The coursework in which you enroll must be part of an eligible program that is offered by Pitt-Johnstown.
  • You may not take classes to raise your QPA in order to be admitted into a graduate program. You are eligible to receive financial aid for only those classes that are required prerequisites for admission into a graduate program.
  • You must be enrolled at least half-time (6 credits) in required prerequisites.

If you meet these criteria and you have completed the FAFSA, you are eligible to receive Stafford Loan funding up to $5,500 for the year if you are a dependent student; the funding increases to $12,500 if you are an independent student as long as you have not reached the $31,000 undergraduate aggregate.