Choosing the right student housing is a critical decision that impacts both your academic success and your financial wellbeing. For many students attending Orange Coast College (OCC) and other nearby institutions, The Harbour offers an exceptional living experience, combining premium features and a prime location. However, this level of comfort and convenience often comes with higher rental rates, which can be a challenge for students on tight budgets.

Fortunately, OCC recognizes the financial challenges many students face and has developed several financial assistance programs tailored to reduce student housing insecurity. This guide will provide a comprehensive overview of the estimated rental costs at The Harbour for the 2024–2025 academic year and outline the financial aid options available to support students. Understanding these rates and programs can help you plan your finances wisely and access the aid you may be eligible for.

Overview: Premium Features and Competitive Rates

The Harbour is designed to offer students a high-quality living environment. Its amenities include modern furnishings, security features, communal study areas, and convenient access to campus and local amenities in Costa Mesa. Due to these premium features, the rental rates are reflective of its location and high standards, making it an attractive but somewhat costly housing option.

While some students may consider looking for more affordable options, such as two bedroom apartments in Costa Mesa located outside student-specific housing, The Harbour remains competitive when you factor in convenience, safety, and support services. The additional benefit is OCC’s financial assistance programs, which are tailored to reduce student housing insecurity, helping many students afford the costs associated with living in such a desirable community.

Estimated Rental Costs for 2024–2025

Understanding the costs associated with student housing is vital for budgeting and planning. Below are the estimated rental rates at The Harbour for the upcoming academic year:

• Shared 2-bedroom/2-bathroom: Approximately \$1,219 per person per month. This shared option is the most affordable, allowing students to split costs while enjoying private bedrooms and shared bathrooms. It strikes a balance between cost savings and privacy.

• Private Studio: Approximately \$2,199 per month. Studios provide a fully private living space with a kitchenette and bathroom, suitable for students who prefer solitude and independent living.

• Private 1-bedroom: Approximately \$2,549 per month. For those desiring even more space and privacy, the one-bedroom units offer separate living areas and full kitchens, making them ideal for students willing to invest more for comfort.

These rates reflect the premium nature of the housing and the convenience of being close to campus, public transit, shopping, and recreational facilities. Compared to the market rates for similar apartments nearby, The Harbour offers a safe and student-focused environment, with rent prices that, while not the cheapest, include added value.

Financial Aid Options Through OCC

Recognizing the financial pressures students face, OCC offers several housing assistance programs aimed at alleviating housing insecurity. The most prominent among these is OCC’s Pirates’ Promise, a program dedicated to supporting eligible full-time students with housing costs.

Who Qualifies?

To be eligible for these housing assistance programs, students generally must meet the following criteria:

• Low or No Expected Family Contribution (EFC): Priority is given to students with a low or zero Expected Family Contribution as calculated through FAFSA or the California Dream Act application, signaling a high financial need.

• Proof of Full-Time Enrollment: Eligibility requires students to be enrolled full-time, usually 12 or more units per semester.

• Satisfactory Academic Progress (SAP) and GPA Maintenance: Students must maintain satisfactory academic progress and meet minimum GPA requirements to continue receiving aid, ensuring the funds support those who are committed to their education.

• Completion of FAFSA or California Dream Act: Applying through FAFSA or the California Dream Act is mandatory, as these applications assess financial need and eligibility for federal and state aid.

What Assistance is Offered?

OCC’s housing programs can provide:

• Partial or Full Coverage of Housing Costs: Based on individual need, students may receive assistance that covers part or all of their rent at The Harbour.

• Priority for Underrepresented and Housing-Insecure Students: The programs focus on supporting students from underrepresented groups or those currently experiencing housing instability.

Why Consider The Harbour Over Other Options?

Some students weigh The Harbour’s rates against local rental markets, which include various apartments in Costa Mesa and surrounding areas. For example, two bedroom apartments in Costa Mesa vary widely in price, often influenced by location, amenities, and lease terms.

While some local two bedroom apartments in Costa Mesa might offer lower rents, they may lack the dedicated student services, security, and community environment provided by The Harbour. Additionally, living farther from campus can increase commute times and transportation costs.

Moreover, the financial assistance programs tied to The Harbour make this premium housing more accessible, reducing the effective cost for eligible students. When factoring in these programs, the actual cost burden may be comparable or even lower than other options without assistance.

How to Apply for Financial Aid

Accessing OCC’s housing assistance programs requires careful preparation and timely application. Here’s how to navigate the process:

1. Complete FAFSA or California Dream Act Early

The first step is completing the Free Application for Federal Student Aid (FAFSA) or the California Dream Act application. These forms open on October 1 for the following academic year, and early submission increases your chances of receiving maximum aid.

2. Submit Required Documentation

Ensure that you provide all necessary documentation promptly. This includes proof of full-time enrollment, academic transcripts demonstrating satisfactory progress, and any other paperwork required by OCC’s financial aid office.

3. Maintain Academic Standards

Maintaining a satisfactory GPA and meeting academic progress benchmarks is critical to remain eligible for assistance. Students should monitor their grades and seek academic support if needed.

4. Communicate with the Financial Aid Office

If you encounter issues or have questions, reach out to OCC’s financial aid counselors. They can provide guidance on deadlines, eligibility, and additional programs that may be available.

Important Considerations

While OCC’s programs provide valuable support, funding is limited and highly competitive. This means:

• Apply Early: Due to limited funds, it’s essential to apply as early as possible to secure assistance.

• Timely Documentation: Delays or incomplete applications can result in lost opportunities for aid.

• Plan for Partial Coverage: Not all students will receive full coverage of housing costs, so budgeting for out-of-pocket expenses is important.

Beyond Housing Costs: Additional Support Services

OCC also offers complementary services designed to support student success and wellbeing. These include financial literacy workshops, emergency grants, and counseling services. Utilizing these resources can help students better manage their finances and overcome obstacles that may affect their housing stability.

Final Thoughts

Financing your stay at The Harbour requires understanding both the rental rates and the financial assistance available to you. With shared 2-bedroom/2-bathroom units costing approximately \$1,219 per person per month, private studios around \$2,199, and private one-bedroom apartments at \$2,549 per month, planning is essential.

The availability of financial aid through OCC’s Pirates’ Promise and other programs offers a pathway for many students to access this premium housing despite financial challenges. Remember, two bedroom apartments in Costa Mesa may vary in price and amenities, but The Harbour’s combination of quality and financial aid support makes it a compelling choice for OCC students.

By completing financial aid applications early, maintaining good academic standing, and engaging with OCC’s resources, you can effectively finance your stay and enjoy the benefits of living in a safe, vibrant, and supportive community.