Types of Financial Aid

There are three major categories of financial aid:

  • Grants, waivers, and scholarships provide free money that can be applied to college expenses and don’t have to be repaid.
  • Low-interest student loans allow you to borrow money for your education. Repayment begins after graduation, and, in many cases, the government pays the interest during your enrollment.
  • Work-study provides part-time jobs so students can earn while they learn. Paychecks can be used to cover living expenses while enrolled. The added benefit of this program is the opportunity for you to gain work experience and references.

Have Questions?

Contact our Financial Aid office directly:

Field Administration Building
Room F-122

Phone: 413-236-1644

  • Scholarships

    BCC Foundation Scholarship

    As a BCC student, there are more than 160 scholarships totaling $300,000 available. Whether you are a new student just entering the college, returning for another year, or graduating and transferring from BCC, there are BCC Foundation scholarships for you.

    To qualify for a BCC Foundation Scholarship, you must:

    • Be enrolled or accepted into a degree or certificate program.
    • Planning to take at least 6 credits the following semester.
    • Have a minimum cumulative GPA of 2.75.

    Read About BCC Foundation Scholarships

    Find a Scholarship

    The resources available below are a great place to start in searching for additional financial aid funds to apply to your bill.

    Apply to as many as you need and qualify for.

  • Grants & Waivers

    Federal Pell Grant (PELL)

    Eligibility for this grant is determined by the household and financial information you provided on the FAFSA. It is generally the largest source of "free money" toward college expenses and does not have to be repaid. There's a Pell lifetime limit of 144 attempted credits. You can get other kinds of aid without being eligible for a Pell.

    Federal Supplemental Educational Opportunity Grant

    This grant is awarded to Pell-eligible students with the highest need and also does not have to be repaid. BCC receives limited SEOG funding.

    Don't Wait!

    As one of the most important parts of your application process, the easiest way to apply for grants is by filling out your FAFSA.

    Apply for Federal Aid
  • Loans

    If you apply for financial aid, BCC will include Federal Direct Student Loans (FDSSL, FDUSL) as part of your financial aid package; a separate loan application process is involved.

    Federal Direct Student Loan programs provide low-interest loans to help meet college expenses. Eligibility for a subsidized or unsubsidized Direct Loan is determined by the household and financial information provided on your FAFSA. You could receive subsidized, unsubsidized, or a combination of both loans, depending on your eligibility.

    Most BCC students can qualify for a loan subsidy, which means that the government pays the interest on your loan while you’re enrolled. Student loan borrowers can defer repayment until 6 months after graduation.

    Based on the most recent available data, the average total student loan debt upon leaving BCC (graduating, transferring, etc.) is $8,552.


    If you’re going to take out a student loan, learn about the differences between federal and private education loans.
    Apply for Federal loans first

    For more information, contact our Financial Aid Office

    Phone: 413-236-1644

    In response to concerns at a national level about student lending practices, the Massachusetts Board of Higher Education, established a Code of Conduct for Student Loan Program and called on each public institution of higher education in Massachusetts to adopt the Code. Accordingly, on August 28, 2007, Berkshire Community College adopted the Code as specified and is fully complying with the Code.

    A Student Borrower Bill of Rights is a variation on this Code of Conduct that is intended to enhance student understanding of their rights under the Code.

  • Work Study

    This program provides you with part-time employment opportunities in a variety of job sites both on and off campus.

    • Wages range from $11.08/hr to $12.13/hr
      (dependent on qualifications)
    • Work 5-8 hours a week
      (On average, based on award amount)
    • Paychecks are issued every two weeks

    Interested? Questions?

    Contact our Coordinator of Financial Aid & Work-Study Programs.

    Karrie Trautman

    Phone: 413-236-1643

Explore your options

Visit OSFA's website for a complete listing of grants, scholarships, and tuition waivers.