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Financial Aid Resources

Resources

 


Financial Aid Purpose

The primary purpose of the Financial Aid Program is to provide financial assistance to students who, without such aid, would be unable to attend college.  Financial aid is provided in the form of:

  1. Federal Pell Grants
  2. Federal Supplemental Educational Opportunity Grants
  3. Federal Work-Study Jobs
  4. Institutional Work-Ship
  5. Scholarships
  6. Alabama Student Assistance Program
  7. Direct Stafford Loan Program
  8. Parent Plus Loan Program

Grants are monies usually provided from a political source, such as federal, state or local government, and do not have to be paid back.  Scholarships are monies normally provided by private sources or foundations.  In most cases, scholarships do not have to be paid back if a student follows all terms and conditions that are stated in the scholarship award document, which is provided to the student by the scholarship committee or foundation awarding the scholarship.  Loans are monies that the student borrows and these monies will need to be paid back to the lender.   In the Direct Loan program, the federal government is the lender.

Students in violation of the College's strict policy against alcohol and drugs on campus and/or in violation of local, state and federal regulations on alcohol and drug usage may jeopardize their grant and work eligibility.

In determining student need, the Financial Aid Director will use the Student Aid Report from the Free Federal Application for Student Aid (FAFSA).  No financial aid can be determined without filing a FAFSA.  To file the FAFSA, students should go to the website: https://studentaid.gov/.   The FAFSA needs to be filed yearly, no earlier than October 1.   Once the FAFSA is filed, the student will receive the Student Aid Report, which will have the family’s Expected Family Contribution (EFC).  The EFC will be used to consider financial need.  The amount of financial assistance students may receive depends upon their need as determined by:  the family’s EFC and aid received from outside sources. Financial aid is packaged on an academic year basis.  Primary consideration is given to an applicant’s demonstrated financial need. Normally, the financial aid package will be disbursed in two payment periods, except the work-study award.  The applicant receiving a work-study award will receive wages monthly.


Financial Aid Code of Conduct

The Higher Education Opportunity Act (HEOA) requires educational institutions to develop and comply with a code of conduct that prohibits conflicts of interest for financial aid personnel. Any College officer, employee, or agent who has responsibilities with respect to student educational loans must comply with this code of conduct. The following provisions were developed to bring the College  into compliance with the federal law.

  1. Neither the College as an institution nor any individual officer, employee or agent shall enter into any revenue-sharing arrangements with any lender.
  2. No officer or employee of the College who is employed in the Financial Aid office or who otherwise has responsibilities with respect to education loans, or agent who has responsibilities with respect to education loans, or any of their family members, shall solicit or accept any gift from a lender, guarantor, or servicer of education loans. For purposes of this prohibition, the term “gift” means any gratuity, favor, discount, entertainment, hospitality, loan, or other item having a monetary value of more than a de minimus amount.
  3. An officer or employee of the College who is employed in the Financial Aid Office or who otherwise has responsibilities with respect to education loans, or an agent who has responsibilities with respect to education loans, shall not accept from any lender or affiliate of any lender any fee, payment, or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.
  4. The College shall not: A. for any first-time borrower, assign, through award packaging or other methods, the borrower’s loan to a particular lender; or B. refuse to certify, or delay certification of, any loan based on the borrower’s selection of a particular lender or guaranty agency.
  5. The College shall not request or accept from any lender any offer of funds to be used for private education loans, including funds for an opportunity pool loan, to students in exchange for the institution providing concessions or promises regarding providing the lender with: A. a specified number of loans made, insured, or guaranteed under Title IV; B. a specified loan volume of such loans; or C. a preferred lender arrangement for such loans.
  6. The College shall not request or accept from any lender any assistance with call center staffing or financial aid office staffing.
  7. Any employee who is employed in the Financial Aid  Office, or who otherwise has responsibilities with respect to education loans or other student financial aid, and who serves on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors, shall be prohibited from receiving anything of value from the lender, guarantor, or group of lenders or guarantors, except that the employee may be reimbursed for reasonable expenses incurred in serving on such advisory board, commission, or group.

Students have the right to know the following information regarding financial aid at Coastal Alabama Community College:

  • Financial aid programs available
  • Names of accrediting agencies and licensing organizations
  • Educational programs and services available
  • Cost of attendance, Refund and Return of Title IV funds policies
  • Procedures and deadlines for submitting applications
  • How financial aid recipients are selected
  • How the College determines financial need
  • Explanation of each type and amount of assistance in financial aid package
  • How and when students will receive financial aid funds
  • Job description and rate of pay for any job assigned under the Federal Work-Study Program
  • How the College determines if students are making satisfactory academic progress and what happens if they are not
  • What special facilities and services are available to students with disabilities

Students have the following responsibilities:

  • Review and consider all information about the College’s programs of study before enrolling
  • Completing applications correctly and on time
  • Read and understand all materials sent from the Office of Financial Aid and other agencies
  • Keep copies of all documents submitted to the Office of Financial Aid
  • Provide all documentation, corrections and/or new information requested by the Office of Financial Aid
  • Notify the College of any information that has changed since you applied
  • Maintain satisfactory academic progress
  • Use financial aid only for expenses related to attending Coastal Alabama Community College
  • Satisfactory perform the work agreed upon in the Federal Work-Study job
  • Understand the College’s Refund and Return to Title IV policies

Grants, Work-Study, Loans and Scholarships

Federal Pell Grants

By filing the FAFSA, a student is automatically considered for a Pell Grant based on their families EFC and if they are enrolled in an eligible program of study.  Students receive preliminary Pell eligibility upon completion of filing their FAFSA if filed electronically. This amount is subject to any changes that a student might make to his/her FAFSA application or from the process of Verification.

The amount of their Pell, based on the determination of eligibility and the cost of their education, is determined by the U.S. Department of Education. This grant program, authorized by the Educational Amendments of 1972, does not have to be repaid and is used to provide the “base” for a student’s financial package.  The maximum amount varies from year to year depending on published Office of Education payment schedules.

Once Pell is awarded to a student and that student becomes registered, Pell is placed on the student account.  A Pell grant is used to pay tuition, fees, room and board (if a student lives on campus).  Any amount over these billed amounts can be refunded to a student. Students who are Pell-eligible can charge their books from the campus bookstore to their accounts before any Pell refunds are distributed if financial aid is greater than tuition, fees and dorm charges.  This can be by the 7th day of a payment period, as long as the student has completed the financial aid process. Students must have completed the financial aid process (must be awarded) in order to obtain their books in this manner.  This process is only for the College bookstore.

Students must apply each year by filing the FAFSA electronically.  Students can apply beginning October 1 each year.   All new and returning students are encouraged to apply early, at least by April  1, to ensure adequate time for processing. 

The amount of a student’s Pell grant can be affected by a student’s enrollment status: full time, three-fourths time, part time or less than part time.  Before a student changes enrollment status (drops or adds classes) he/she should check with the Financial Aid Office to see how the change will affect his/her aid status.  After the official drop and add period, the Financial Aid Office will not recalculate a student’s Federal Pell Grant amount due to enrollment status change.  EXAMPLES:  If Student A enrolls for 12 credit hours and withdraws from 3 credit hours after the official Drop/Add period, then Student A will be paid as a full time student.If Student B originally enrolls for 9 credit hours and adds an additional 3 credit hours after the official Drop/Add period, then Student B will be paid as a three-quarter time student, not as a full time student.

When a student is awarded after the beginning of a term (semester) and the student is Pell eligible their enrollment will be reviewed at that time. To receive a Pell grant a student must be enrolled and attending those courses that the student is enrolled in and these courses must be in a degree or certificate program that is qualified for federal student aid.  The student’s Pell will be awarded based on this course attendance, regardless of what the student was originally enrolled for.  The date of record for Pell will be the date that the student has completed the awarding process. No reduction of Pell will occur after a student is awarded except when a student totally withdraws or fails all courses in a given term. Then the rules for recalculation of Title IV aid will be reviewed with respect to the students last date of enrollment and federal aid is adjusted at that time if need be.

Pell Grants are federal financial aid.  Direct Student Loans, Plus loans, FWS and FSEOG are also federal financial aid.  Students receiving federal financial aid of any type must have their attendance verified each semester before any aid proceeds are disbursed. This process, completed by the faculty, occurs after the last day of drop and add for the term of current enrollment.  Any student not attending classes as documented by the faculty will have their classes dropped and will have their federal financial aid adjusted.  Students are notified of this via their campus email or letter to their permanent address.  Students will not be able to attend classes.  If a student believes they have attended class, they need to contact their instructors and follow the instructions that were emailed or mailed to them.

Students receiving Pell Grants are subject to lifetime limits and review of their enrollment history.  

Unemployment Appeals for Financial Aid

A provision included in the American Rescue Plan, signed into law, requires institutions receiving aid from the Higher Education Emergency Relief Fund (HEERF) to make financial aid applicants aware about the opportunity to receive a financial aid adjustment due to the recent unemployment of a family member, or themselves if they are considered an independent student.

Students who are faced with this situation can ask the financial aid office for a Professional Judgement. This is a request by the student to have their FAFSA information reviewed by the Director of Financial Aid. Students at Coastal Alabama Community College have always had the ability to make this type of request for situations that cause a significant change in income since the initial filing of their FAFSA. These types of changes might have a significant effect on the FAFSA results.

If a student is seeking a Professional Judgement, the student must use the Professional Judgement Form found on the Financial Aid website under forms. Note: this form must be filled out completely and the student will need to provide 3rd party unrelated professional documentation to support the request. Documentation for unemployment would include documents such as a termination notice and a notice of unemployment benefits. Once financial aid receives the request it will be reviewed within 5 business day and a decision will be sent to a student’s OneACCS account. Filing of the request does not guarantee a change in the FAFSA results and appropriate supporting documentation must be submitted.

If a student believes they qualify for a Professional Judgement, or if they have questions or need additional information, they need to contact the Financial Aid office at 251 580 2151 to discuss their situation.

Pell Census Date

Coastal Alabama Community College uses a Census date to determine Pell Grant eligibility. The Census date refers to the point at which your enrolled credit hours are locked for Pell Grant purposes. The Census date does not apply to other forms of federal financial aid (loans, SEOG, etc.). Below is a list of Census dates by term:

Fall 2020
August 29, 2020

Fall 2021
August 28, 2021

Spring 2021
January 20, 2021

Spring 2022
January 16, 2022

Summer 2021
May 29, 2021

Summer 2022
May 28, 2022

The classes which you are registered for at 11:59 p.m. (Central Time) on the Census date will determine Pell Grant eligibility, so register early. Credit hours added after the census date cannot be used to increase Pell Grant eligibility.

Credit Hours and Enrollment Status

  • 12 credits and above - Full Time
  • 9 to 11 credits - Three-Quarter Time 
  • 6 to 8 credits - Half-Time
  • Less than 6 - Less than Half-Time

For example: If you are registered for 9 credit hours on or before the census date for the term, you will be packaged Pell at the three-quarter award status. If you add a 3 credit class after the census date, which brings your total credit hours to 12, your Pell eligibility status does not change and you will not receive an increase in your Pell Grant for the added class. This includes adding classes to the second term.

Students who receive their initial PELL after the census date will receive PELL according to their course registration.  If a student drops a course after the initial package date Pell will not be adjusted and if a student adds a course Pell will not be adjusted but tuition will be charged.

Students who are only registered for Term II courses and whose initial package date is for Term II, will receive their PELL according to their registration for Term II.  If a student who is enrolled just for Term II courses drops courses after the initial package date their Pell will not be adjusted and students who add courses after their initial package date Pell will not be adjusted but additional tuition charges will apply.

Any adjustments to enrollment after the census date are not factored into the student’s eligibility for the term unless the student totally withdraws from the term. For more information on withdrawals see Financial Aid Policies.

Summer Pell Grants

Students may now receive additional Pell for the summer. The amount of Pell that a student may receive during the summer is up to 50 percent of their annual Pell package. Students who qualify for summer Pell will automatically receive the package. Students must be enrolled in at least 6 credit hours (in degree plan) to be eligible for the additional 50% summer Pell.

Federal Supplemental – Educational Opportunity Grants

By filing the FAFSA form, students are considered for the Federal Supplemental Educational Opportunity Grant Program (FSEOG). This grant is for students with exceptional financial need. The students with the lowest EFC are considered to have the highest need.  If a student receives FSEOG, it cannot be less than $200.  Not all students who qualify can be packaged, as there is a limited amount of grant money available.  Students who apply early (file a complete FAFSA) are given first consideration.

Federal Work-Study Program 

By filing the FAFSA form, students can be considered for the Federal Work-Study Program (FWS).  The FWS program provides jobs for students who have financial need and who indicate on their FAFSA that they are interested in employment.  The number of hours a student may work is determined by the student’s need for financial aid.  A student may earn no less than minimum wage. Students are paid monthly via student payroll.

Jobs include on-campus work in the cafeteria, library, administrative offices, residence halls, labs, gymnasium, facilities and grounds maintenance department, and off-campus with a public or private nonprofit agency, such as the public school system. In arranging a job and determining how many hours a week a student may work under this program, the Financial Aid Director or his designee will take into account:  (1) need for financial assistance, (2) class schedule, (3) health, and (4) academic progress.

Federal Work-Study job assignments are made according to the date students complete their file and receive a Federal Work-Study award. The student’s job preference and skills are given first consideration; however, other factors may determine final job placement. Students who indicate no skills or job preference are placed in areas needing the largest number of student workers.  Those students who fail to complete their files prior to orientation are considered late and are placed in the areas with remaining jobs.

Not all students who want jobs or are eligible can be placed.  FWS is also limited due to the amount granted by the federal government.  Those students who apply early by filing the FAFSA will be considered first.

Institutional Work-Ship

This program of student employment provides jobs for students who are interested in campus-based jobs.  Students may earn no less than minimum wage.  Jobs are the same as the Federal College Work-Study Program.  Students must be full-time and make satisfactory academic progress.

Alabama Student Assistance Program

The Alabama Student Assistance Program provides a supplemental source of financial assistance to qualified undergraduate students with an established financial need from families with income below the prescribed maximum levels provided by law.

Students must be enrolled at least half-time in an eligible program of study leading to a degree other than a field of preparation for a religious profession.  They must be legal residents of the State of Alabama and must maintain satisfactory progress.

Direct Student Loan

By filing the FAFSA form and being in an eligible program, a student can qualify for the Direct Student Loan Program.  This loan program provides financial assistance through the federal government. To apply for a student loan, a student must go to https://studentaid.gov/ and complete both a Master Promissory Note (MPN) and Entrance Counseling.  A student must do both a MPN (master promissory note found on the website) and entrance counseling (also found on the website).   When a student ends their college career, either by graduating or withdrawing (not continuing) they complete exit loan counseling.  The College will notify all students who graduate, withdraw or do not enroll for the next term within 30 days of the end of each term.  This notification will be a reminder for the student to do exit counseling.  This counseling service is found at https://studentaid.gov/.  For more information on exit counseling and what your responsibilities are, see the Exit Counseling Guide for Federal Student Loan Borrowers (.pdf).

Once a student is packaged Direct Loans by the Coastal Alabama Financial Aid Office, he/she must accept the loan offer through the student's OneACCS account. If applying for a single term loan please note that this loan is subject to two disbursements during the term of the loan. Single term summer loans may be requested if a student is eligible, by contacting the financial aid department. Loans will only be disbursed for the terms that a student is registered for. Loans that are not disbursed do not have to be paid back. Interest on unsubsidized loans or parent plus loans does not start until loans are disbursed.

Student loan borrowers will be notified by email within 14 days of disbursement of student loan funds to their account. Students may cancel the loan by contacting the Coastal Alabama Financial Aid Office. Students can check their student loan status and history on their OneACCS accounts. Information on repayment, deferment and forbearance can be found at studentaid.gov.

All students and parents of students receiving Federal Direct Loans, be advised that those who enter into an agreement regarding a Title IV, HEA loan, that the loan will be submitted to NSLDS and accessible by authorized agencies, lenders, and institutions [HEOA 489 amended HEA Sec. 485B].

More information about loans can be found at: https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized.

Entrance Loan Counseling Information/Requirements

Exit Loan Counseling Information/Requirements

Exit Counseling is required by law and provides important information you will need as you prepare to repay your federal student loan(s). Information and assistance on how to complete exit counseling is being offered as a free service available for walk-ins or by appointment on the Bay Minette, Monroeville, and Thomasville campuses. All students who have loans and graduate, withdraw, or drop below half-time are sent e-mail reminders with detailed information on completing exit counseling. For additional questions call (251) 580-2151.

Loan Disbursement

If a student is in the first year of undergraduate study and is a first-time Direct Subsidized/Direct Unsubsidized Loan borrower, the disbursement of the first installment of the Direct loan will not occur until 30 calendar days after the student’s program of study begins.

Direct Student Loans will be packaged to students who at the time of packaging are enrolled at least half time in a degree or certificate program that qualifies for federal student aid.  Direct student loans are subject to positive confirmation by the student before any actual loans are originated.  Also a student must be enrolled at least half time at time of loan disbursement. Direct student loans are also subject to the rules of Title IV recalculation if a student totally withdraws or fails all courses in a given term.

All students and parents of students receiving Federal Direct Loans, be advised that those who enter into an agreement regarding a Title IV, HEA loan, that the loan will be submitted to NSLDS and accessible by authorized agencies, lenders, and institutions [HEOA 489 amended HEA Sec. 485B].

The Direct Loan Program has two types of loans: Subsidized and Unsubsidized.

Subsidized Direct Loan - The student borrower is required to demonstrate a financial need. The federal government, on behalf of the borrower, pays the interest that begins to accrue while a student is in school, during authorized deferment periods, and for six months after the student ceases to be enrolled at least half-time.

Students who are first time loan borrowers on or after July 1, 2013 are subject to a 150% maximum borrowing time limit for subsidized loans.   For example if a student is enrolled in a two year degree they have three years of subsidized eligibility (if they qualify) to earn the degree, it they do not earn the degree (graduate), they will become only eligible for unsubsidized loans and the subsidized loans that they have previously received will revert to unsubsidized loans and the student will be responsible for any and all interest.   For 1 year certificate programs the time limit is 18 months.

Students transferring into the College from other colleges who were first time loan borrowers on or after July 1, 2013 are subject to the maximum borrowing limits.  For example a student who had borrowed  three years of subsidized loans at a four year school and is transferring to the College, regardless of the number of accepted transfer credits, would have zero eligibility left for subsidized loans, but would have unsubsidized loan eligibility left depending on their lifetime eligibility limits.

Students who change programs without completing their initial program are subject to maximum time rules for subsidized loans.  For example a student who starts a program but fails to complete it and starts a program of equal or less length loses subsidized eligibility after the 150 percent time period.

For more information about current interest rates, applications and counseling information, please go to https://studentaid.gov/.

Unsubsidized Direct Loan –The student borrower is not required to demonstrate a financial need to qualify for the unsubsidized loan. Interest begins to accrue on this loan at the time of disbursement.

Loan Amounts -  Depending on the student’s cost of attendance, financial need, and their student status ( dependent or independent), a student may borrow from $3,500-$9,500 in combined Subsidized and Unsubsidized Stafford Loans for the first year, and a combined loan between $4,500-$10,500 for the second year. A student may borrow a lesser amount than listed above and is encouraged to do so.  Students are encouraged to visit studentaid.ed.gov/types/loans for more loan information.

Direct PLUS Loan (Loan for Parents)—A PLUS Loan enables a parent with a good credit history to borrow to pay the educational expenses of each child who is a dependent, undergraduate student. Eligibility is not based on income. This loan program is intended to supplement the Direct Student Loan Program.  A parent may borrow an amount not to exceed the student’s estimated cost of attendance minus any financial aid that has been awarded for the enrollment period.

For more information about current interest rates, applications and counseling information, please go to https://studentaid.gov/

Loan Repayment Schedules

When it comes time to repay your Federal Direct Student Loan, you will need to select a repayment plan. There are several repayment plans: standard, extended, graduated, income contingent, income based, and pay-as-you-earn. How much you pay and how long you take to repay your loans will vary depending on the repayment plan you choose. Consolidation loans also have varying repayment plans.

Ombudsman Contacts

We are pleased to provide you with updated information to ensure that borrowers of loans authorized under Title IV of the Higher Education Act of 1965, as amended, have the most current contact information for the Student Loan Ombudsman. This information is necessary for you to comply with the regulatory requirements that schools, lenders, guaranty agencies, and commercial and Department of Education servicers notify borrowers regarding the availability of the Ombudsman. Those requirements are included in the regulations at 34 CFR 674.42(b)(2)(xi) and .45(h); CFR 682.208(c)(3)(ii), .410(b)(5)(vii), .411(b)(3), and .604(g)(2)(x); and CFR 685.304(b)(4)(vii).

Effective February 28, 2016, please use the following information to contact the FSA Student Loan Ombudsman Group.

Via on-line assistance: https://studentaid.gov/feedback-ombudsman/disputes/prepare

Via telephone:

877-557-2575

Via fax:

606-396-4821

Via mail:

FSA Ombudsman Group

P.O. Box 1843

Monticello, KY 42633

Private Alternative Loans

For more information, please go to the Private Alternative Loans page.

  • It is important to research federal loan programs, scholarship opportunities, grants and Work-Study programs available to you before you borrow from a private loan program. For more information about federal loan programs, Please visit studentloans.gov to learn more.

Scholarships

The College offers several types of scholarships to beginning freshmen students. The Scholarship Committees award scholarships for proven performance in academics, leadership, athletics, cheerleading, and performing arts. Detailed information and applications for scholarships may be obtained at http://www.coastalalabama.edu/scholarships/.  Students applying for any type of scholarship are encouraged to file the FAFSA. Only citizens of the United States or resident aliens are eligible for Institutional Scholarships.  

Academic Scholarships

Academic Scholarships, based on availability, are offered at different levels for students with a 21 or above ACT and a 3.0 or above unweighted GPA. Please see the scholarship section for more detailed information http://www.coastalalabama.edu/scholarships/.

Athletic Scholarships

Additional scholarships are offered each year to outstanding athletes. The College has developed an impressive intercollegiate reputation over the past years and strives to maintain its lead in athletic programs.

For more information, contact the College's Athletic Departments.

Cheerleading Scholarships

Cheerleading and Mascot scholarships are awarded annually to students who exhibit outstanding cheerleading abilities and skills.

Civic/Business Scholarships

Additional scholarships are provided to College students through funds donated by area merchants, businesses, civic groups, and other patrons of the College. The eligibility requirements for these scholarships vary and depend on student needs, skills, and other factors.

Fine and Performing Arts Scholarships

The Scholarship Committee offers scholarships to students who show potential in the fine and performing arts such as art, music, and theater.

Senior Adult Scholarship Program (60-Plus Students)

This scholarship program is granted to Alabama residents who are 60 years of age or older and who enroll for classes either part-time or full time for credit or audit.  This program covers only tuition cost.

Alabama GI Dependents Scholarship Program

The Alabama Department of Veterans Affairs offers financial assistance to eligible dependents (child, stepchild, spouse or unremarried widow(er)) of disabled veterans (living or deceased) who were permanent civilian residents of Alabama prior to entry into military service.  Special consideration is given to permanently and totally disabled veterans who are bona fide residents or were prior to their death.  Other qualifying veterans’ categories are former prisoners of war (POW), declared missing in action (MIA), and those who died in service.

Maximum educational benefits include free tuition, required textbooks and laboratory fees for four standard academic years or a prescribed technical course at any state-supported junior or community college, university or technical school.  Noncredit courses are excluded.

Dependent children must file an application prior to age 26 (may be extended to age 30 in certain cases).  A spouse or widow(er) does not have a filing deadline or age limitation.

For more information and application procedures, contact your nearest Veterans Affairs Office located in each county courthouse or you may write to the Alabama GI Dependents’ Scholarship Program, P.O. Box 1509, Montgomery, Alabama 36102-1509.

Tuition Payment Plan

Coastal Alabama Community College has a tuition payment plan for those needing assistance. Through these plans, the student pays at least one-half of the total term charges plus a $40 enrollment fee no later than the tuition payment deadline for the current semester registration. The payment plan can be set up through the student's OneACCS portal under the Student Account Center.

Failure to meet the terms of this agreement may entitle Coastal Alabama Community College to (1) declare the full balance plus late fees immediately due and payable by law, (2) refuse subsequent registration for any classes and/or drop current classes, (3) deny future enrollment in any payment plan, and (4) withhold grades, diplomas, or transcripts from being released until the unpaid balance is paid in full (including all attorney fees, legal expenses, and other collection costs). A Collection Fee of up to 30% will be added to the balance due after 90 days by the collection company. Coastal Alabama Community College currently utilizes the services of Conserve and Williams & Fudge for the collection of delinquent debt.


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