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Financial Aid for Online
College Students


What’s Available, Who Offers It, and How to Successfully Apply

The cost of one year at a private four-year college averaged $32,405 in 2015. To offset the rising cost of tuition and fees, many students enrolled in online programs must secure financial aid, even with the potential savings distance learning provides. This guide helps online students learn about available financial aid options and resources that can make college more affordable, such as scholarships, grants, loans and other funding. Also covered are expert tips when applying for federal aid, including do’s and don’ts for completing the FAFSA®.

Meet the Expert
expert
Mark Kantrowitz
Read More

PAGE CONTENT
  • Search Online Colleges Granting Financial Aid
  • Why Applying for Fin Aid is Worth the Effort
  • Types of Financial Aid for Online Students
  • Applying for Federal Aid as an Online Student
  • What You Should Know Before Filling Out the FAFSA®
  • Fin Aid Advice From the Expert

  • Financial Aid
    for LGBTQ Students
  • Financial Aid
    for Minorities
  • Financial Aid for
    Students With Disabilities
  • Financial Aid
    for Women
  • Financial Aid
    for Veterans

Search Online Colleges Granting Financial Aid

With tuition rates escalating at such a fast pace, it’s important to research which online colleges offer the best financial aid opportunities. Prospective students can use this search tool to find schools based on their tuition costs and available financial aid packages.

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Why Applying for Financial Aid is Worth the Effort

Many students don’t investigate financial aid options because they assume they won’t qualify to receive help. However, there are millions of dollars available in financial aid for students, including those enrolled in online programs.

2/3 of full-time students receive financial aid and scholarships.

Source: College Board

Less than $6,000:
The amount students attending four-year colleges pay for tuition and fees after financial aid.

Source: American Council on Education

In 2014-15, undergraduate students received an average of $14,210 in financial aid.

Source: Trends in Student Aid 2015

Types of Financial Aid for Online Students

The federal government offers several types of financial aid to eligible students, some of which needs to be repaid. Read on to learn more about all types of student financial aid, including scholarships, loans, work study programs and employer-sponsored tuition.

Scholarships
Who Should Apply:
Students who meet the scholarship’s stated requirements
Who Offers It:

  • Private Organizations
  • Nonprofit Organizations
  • Religious Entities
  • Universities
Req. $ to be Paid Back:
No
Need- or Merit-Based:
Both

Fellowships
Who Should Apply:
Students who meet the fellowship’s stated requirements
Who Offers It:

  • Nonprofit Organizations
  • Private Organizations
  • Universities
Req. $ to be Paid Back:
No
Need- or Merit-Based:
Both

Grants
Who Should Apply:
Students automatically apply by completing FAFSA®
Who Offers It:

  • Federal Government
  • State Government
Req. $ to be Paid Back:
No
Need- or Merit-Based:
Need-based

Loans
Who Should Apply:
Students who need additional funding after exhausting scholarships and other “gift aid”
Who Offers It:

  • Federal Government
  • State Government
  • Banks
Req. $ to be Paid Back:
Yes
Need- or Merit-Based:
Need-based

Work Study Aid
Who Should Apply:
Students who want to earn extra money to pay for educational expenses by working part-time
Who Offers It:

  • Federal Government
Req. $ to be Paid Back:
No
Need- or Merit-Based:
Need-based

Employer-Sponsored Tuition
Who Should Apply:
Employees who want to upgrade their skills and are planning on staying with their current company for the foreseeable future
Who Offers It:

  • Employers
Req. $ to be Paid Back:
No
Need- or Merit-Based:
Neither

Source: Studentaid.ed.gov

In-Depth Analysis of Online Financial Aid Options

There’s much more to know about each financial aid type mentioned above. Keep reading for an in-depth examination of tuition assistance options for online college students.

Scholarships

Companies, clubs, religious organizations and non-profits award billions of dollars in scholarships each year to help students pay for education expenses. Scholarships are offered based on financial need, academic merit and other criteria. Best of all, this money does not usually need to be repaid. The criteria and requirements for receiving private scholarships vary widely, and awards can be worth hundreds or thousands of dollars.

Next Steps:

  • Scholarships
    for LGBTQ Students
  • Scholarships
    for Minorities
  • Scholarships For
    Students With Disabilities
  • Scholarships
    for Women
  • Scholarships
    for Veterans

Fellowships

Fellowships are grants usually offered to fund study or research in graduate school, although there are some undergraduate fellowships as well. Many fellowship programs target a specific field of study. Because fellowships are lucrative, they are very competitive.

  • Internal, or institutional, scholarships are typically merit-based awards offered by a student’s university. They cannot be used at any other school.
  • External scholarships are federally-funded or offered by sponsoring organizations and can be applied at any school. They can be merit-based, academic-based or need-based.

Next Steps: Contact your school’s financial aid department.

Grants

Grants are another form of “gift aid,” meaning students don’t have to pay them back. The U.S. Department of Education and many individual states offer several types of grants to online college students.

Federal Pell Grants

Awarded to undergraduate students who have not yet earned a bachelor’s degree. They may also be awarded to students enrolled in a qualifying post-baccalaureate teacher certification program.

  • Maximum Federal Pell Grant amounts change each year. The maximum award for the 2016-2017 year is $5,815. Awards are based on financial need, cost of attendance and enrollment status.

Federal Supplemental Educational Opportunity Grants (FSEOG)  

This campus-based aid, worth $100 to $4,000 per year, is available to students with the most financial need who already receive Federal Pell Grants. Unlike the Federal Pell Grant Program, which awards money to all eligible students, FSEOGs are limited to each school’s available funds.

Teacher Education Assistance for College and Higher Education (TEACH) Grants

TEACH Grants are worth up to $4,000 per year. They are different from other federal student grants in that they require students to teach in low-income areas. The grant is automatically converted to a Direct Unsubsidized Loan if the recipient does not meet the conditions.

Iraq and Afghanistan Service Grants

Iraq and Afghanistan Service Grants are worth the same as Pell Grants. To receive these federal grants, students must have a parent or guardian who was a member of the U.S. armed forces and died as a result of military service in Iraq or Afghanistan after 9/11.

Next Steps: Complete the FAFSA®

State Grants

Most state education agencies administer at least one grant or scholarship to student residents, and many offer a long list of grants. In most cases, students must attend an in-state college to qualify.

Next Steps: Contact your state’s department of education or related agencies

Loans

Federal Loans

Federal loans are offered to students who qualify as part of a school’s financial package. Students must pay back all money they borrow with interest to the lenders, whether it is the federal government or a private bank. The following table presents the types of loans available to online students, the maximum amounts that can be borrowed and the associated interest rates.

Next Steps: Complete the FAFSA®

Direct Subsidized LoansDirect Unsubsidized LoansDirect PLUS LoansFederal Perkins Loans
Who QualifiesUndergraduates enrolled at least half-time in a degree or certificate program with financial need Undergraduate, graduate, and professional students enrolled at least half-time; financial need not requiredGraduate or professional students, parents of dependent undergraduate students with good credit historyUndergraduate or graduate students with exceptional financial need at participating schools
LenderU.S. Dept. of EducationU.S. Dept. of EducationU.S. Dept. of EducationSchool
Annual Award Amount$3,500-$5,500, depending on grade level
Dependent students: $5,500-$7,500, depending on grade level

Independent students: $9,500- $20,500, depending on grade level

Cost of attendance minus other aidUndergrad: $5,500
Graduate: $8,000
Interest Rate*4.29%Undergrad: 4.29%
Graduate: 5.84%
6.84%5%
Interest-Free Grace PeriodsYesNoNoYes
Loan Fee1.068%1.068%4.272%None
Repayment Start Date6 months after student graduates or drop below half-time enrollment6 months after student graduates or drops below half-time enrollmentStudents: 6 months after student graduates or drops below half-time enrollment
Parents: After disbursement but parents may apply for deferment while student is enrolled at least half-time and for 6 months after graduation
9 months after student graduates or drops below half-time enrollment

Source: U.S. Department of Education

Note: Interest rates are updated every year. See current interest rates for federal loans.

State Loans

Many states administer student loan programs, usually with terms and conditions similar to Federal Direct Loans. Because state resources are not as large as federal resources, interest rates and charges may be higher.

Next Steps: Contact your state’s department of education or related agencies

Private Loans

Loans from private lenders, like banks, credit unions, and other organizations, are an alternative funding option. Most experts advise students to pursue federal and state loans rather than private loans for several reasons.

  • 1Credit History Check. Private loans are credit-based. Those with the best credit histories get the best rates. Because most undergraduates don’t have an extensive credit history, they usually need a co-signer willing to take over the debt if they miss payments.

    Red flag: Private loans with no credit check requirement. Legitimate lenders pull your credit report.

  • 2Higher Interest Rates. Federal loans have lower interest rates than private loans. The rates are fixed, so it’s easy to predict monthly payments. Private loans with fixed interest rates are out there, but they are less common.

    Red flag: Interest-only rates that keep your payments low but extend the life of your private loan.

  • 3Extra Fees. Private lenders often tack on extra fees to each loan, particularly for borrowers with bad credit. A report from the National Consumer Law Center found some lenders added fees as high as 3% to 4% of the loan, equal to a 1% interest rate.

    Red flag: Low-interest rates with extra fees that send your private loan skyrocketing over time.

Federal Work-Study Program

Undergraduate and graduate students who participate in Federal Work-Study are able to earn money to offset their educational expenses. To qualify, students must have financial need. Participating schools administer the Federal Work-Study Program through their financial aid office on a first-come, first-served basis.

When possible, students are placed in jobs related to their course of study, and many students work for the school on campus. Off-campus jobs are usually with private nonprofit organizations or public agencies. Students are guaranteed to earn at least the minimum hourly wage and can only work the number of hours they are awarded.

Next Steps: Complete the FAFSA®

Employer-Sponsored Tuition

A 2014 survey by the Society for Resource Management found 54 percent of companies offered undergraduate tuition assistance, and 50 percent offered tuition assistance for graduate studies. Reimbursement amounts vary, but some employers will cover the full cost of tuition. In most cases, employers specify which areas of study are acceptable for reimbursement. In addition, students must typically maintain a minimum GPA to qualify for reimbursement.

Next Steps: Speak with your employer’s human resources manager.

Further Opportunities for Financial Aid

While scholarships, loans, and grants are the most popular types of financial aid, they aren’t the only options for offsetting the cost of an online college education. Here are some alternative financial aid options.

Crowdfunding

Crowdfunding involves raising money from large groups of people. It often involves the help of a third-party website, where each person contributes a relatively small amount. Along with general crowdfunding sites like GoFundMe and Indiegogo , which are known for helping businesses and charitable causes, education-specific crowdfunding sites are now used by students to help pay for college or graduate school.

  • ScholarMatch: This crowdfunding site was founded by author Dave Eggers and allows individuals to contribute to the college scholarship funds of underserved youths.
  • Piglt: Piglt users can make campaign videos showcasing their talents and explaining the educational goals they hope to reach with the help of funding. People who watch these videos can make donations in exchange for incentives–usually skills or products–offered by the video-maker.
  • AlumniFunder: This crowdfunding website connects donors with students attending their alma mater. Students get help paying for school, and donors get the security of knowing their donations are actually going to a verified student.

Federal Tax Breaks

The IRS offers several tax credits and deductions for students.

  • The American Opportunity Tax Credit and Lifetime Learning Credit can reduce the amount of tax owed on your tax return by up to $2,500.
  • The tuition and fees deduction allows eligible students to reduce taxable income up to $4,000 while the student loan interest deduction can lower taxable income up to $2,500.

Veteran Benefits

Veterans may qualify for tuition assistance and higher education benefits through programs like the Post-9/11 GI Bill.

Financial Aid
for Veterans

Alumni Programs

Some schools offer special scholarships or grants for students who have already attended that school or are the children of former students. Contact college financial aid offices for more information.

FAQs About Online College Financial Aid

In 2013, more than 6.7 million students took at least one online class . As this number continues to increase, so does the demand for financial aid for online students. Here are answers to some common questions about online college financial aid.

Are online students eligible for the same types of financial aid as on-campus students?

Until February 2006, schools needed to provide at least 50 percent of instruction in a physical classroom to offer federal financial aid. Congress lifted the requirement, and now many accredited online schools offer federal financial aid packages. Online students who meet the same eligibility requirements as on-campus students are typically qualified for the same types of financial aid.

Are there scholarships specifically designed for online students?

Yes. There are agencies and organizations that sponsor scholarships specifically for online students.

Do online colleges offer institutional scholarships to their students?

Yes. More and more online schools and universities are offering programs to make college more affordable. For example, online schools offer need- and merit-based scholarships as well as family and alumni discounts.

Applying for Federal Aid as an Online Student

Completing the FAFSA® is the only way to determine whether you qualify for federal aid as an online student. FAFSA® stands for Free Application for Federal Student Aid. It’s fairly quick to fill out and is the catch-all application for all types of federal financial aid, including grants and work-study opportunities. Many colleges also look at student FAFSA® information when determining school-based financial aid packages.

Before applying, however, students need to make sure they meet all of the basic eligibility requirements. Take the quiz below to see if you qualify. Answer the following questions True or False.

To be eligible to receive federal financial aid …

You need a high school diploma.

True False
False

Not necessarily. You can also submit a General Educational Development (GED) Certificate or proof that you completed a state-approved homeschool program.

You don’t need a Social Security number.

True False
False

All federal financial aid recipients must have a Social Security number (except residents of the Republic of the Marshall Islands, Federated States of Micronesia, or the Republic of Palau).

You must be enrolled in or accepted to an approved college.

True False
True

Enrollment in or acceptance to an eligible degree or certificate program is mandatory.

You must register with the Selective Service (males only).

True False
True

All males ages 18 to 25 must be registered with the Selective Service.

You don’t need to maintain good grades to remain eligible for federal financial aid.

True False
False

Receiving federal financial aid is dependent on maintaining successful academic progress.

You must certify that you won’t use federal student aid for anything except educational purposes and are not currently in default of a student loan.

True False
True

Yes. In addition, you must certify that you don’t owe a refund on a federal grant.

You must be a U.S. citizen.

True False
False

Not necessarily. You may also be eligible for financial aid if you have a green card, T visa, battered immigrant status or an arrival-departure record.

Source: Federal Student Aid, Department of Education

College Accreditation, Financial Aid, and You

The U.S. Department of Education only allows accredited online colleges to participate in federal student aid programs. Many state programs also require participating schools to be accredited. To become accredited, a school must meet quality standards set by nationally recognized independent agencies.

Learn more
about the accreditation process for online colleges

What You Should Know Before Filling Out the FAFSA®

Filling out forms is rarely a fun process, but skipping out on the FAFSA® means losing the chance to receive aid from the government and academic institutions. The FAFSA® may be intimidating at first, but these tips can help students through the process and get one step closer to potentially saving money on their education.

Stay away from costly services

Even though the FAFSA® is a free education process, there are services that charge as much as $500 to fill out the forms. If you need assistance, your school’s financial aid office can help you or connect you with someone who can—for free.

1

Don’t procrastinate!

Because there is only a limited amount of funds available, it’s important to apply as soon as possible. The FAFSA® submission period begins on October 1. Any applications received after the deadline will not be processed.

2

Do it all online

The most efficient way to submit the FAFSA® is online. It only takes 10 days for a school to receive your admission so they can determine your financial aid needs. If you need a break, you can save your work and continue later.

3

Fill in every answer

If a question doesn’t apply to your situation, enter “N/A” or “0” in the blank. Skipping questions puts your application at risk of being flagged as incomplete, which can affect processing time.

4

Estimate carefully

Depending on the time of year, you may need to estimate your income tax, so try to be as accurate as possible. If you are too far off the mark, it may mean major changes when they verify your final tax data later.

5

Proofread

Even small mistakes can delay processing. One common mistake is misunderstanding who the questions refer to when they ask you to enter to “your Social Security Number” or “your income.” These questions refer to the student, not the parent, even if the parent is the one filling out the form.

6

Apply every year

Your financial aid package is only valid for one year, so submitting the FAFSA® is not a one-time deal. When you fill out the FAFSA® online, it is easy to renew it because the previous year’s information is automatically populated into the fields.

7

Don’t Lose Your Federal Aid!

It’s not enough to be eligible at the time you submit the FAFSA®—you must remain eligible in order to keep your Federal Student Aid. Here are three ways you can become ineligible.

  • 1Reduction in credit hours. You must be enrolled as a regular student in an eligible degree or certificate program. To be eligible for Direct Loan Program funds, you must be enrolled at least half-time. Withdrawing from a class can affect your enrollment status.
  • 2Failure to maintain satisfactory academic progress. To continue receiving Federal Student Aid, you must make high enough grades and complete enough credits or hours in a time period your school finds acceptable to complete your degree.
  • 3Defaulting on a student loan. To get out of default and regain financial aid eligibility, you must either repay your federal loans in full or do one of the following:
    • Loan rehabilitation: Make 9 monthly payments within 10 consecutive months, all within 20 days of the due date.
    • Loan consolidation: Pay off one or more federal student loans with a single new loan that has a fixed interest rate.

Advice From Financial Aid Expert Mark Kantrowitz

QWhat advice would you give to someone seeking financial aid for the first time?

File the FAFSA® as soon as possible after October 1. Students who file the FAFSA® in the first three months tend to receive more than twice as much grant funding as students who file the FAFSA® later. Several states and colleges award aid on a first-come, first-served basis until the money runs out. 

QWhat is the biggest mistake students make during the financial aid process?

The biggest mistake people make is to not file the FAFSA®. You can’t get money if you don’t apply. Students should apply for aid every year, even if they didn’t get anything other than loans last year.

QWhat should students know about filling out the FAFSA® online?

Allow extra time to get an FSA ID, as the process is complicated. You don’t have to wait until October 1 to get a FSA ID. You can start the process of getting a FSA ID before October 1. Note that you will need to have access to your email to finish the process of obtaining a FSA ID. The FSA ID is an electronic signature and should be shared with nobody, not even your parents or the parent’s FSA ID with the child.

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recognize that a degree may be required for a career or increase your chances of employment but it is not a
guarantee of employment when you complete your degree.

I understand a degree DOES NOT GUARANTEE A JOB OR CAREER UPON COMPLETION OF A PROGRAM


Home > Financial Aid > College Scholarships > Scholarships by Type > Distance Learning Scholarships

Distance Learning Scholarships

Despite the scholarship myths you may have heard of, distance learning scholarships are available to students attending classes online. Whether you are enrolled in an online degree university or taking distance learning classes at a college or university on-campus, there are many scholarship opportunities. By taking time out of your busy schedule to search for scholarships online, you can help pay for your college education.

If you are enrolled in an accredited distance learning program and working towards a degree, you essentially have the same eligibility for scholarships as traditional students. A college student is a college student, regardless of where you are physically are. As long as you meet other scholarship requirements, you should be eligible for most monetary rewards. Additionally, there may be scholarship awards specifically for students enrolled in online courses .

Often, students who choose distance learning programs are in the most need for scholarship money . Since distance learning is one of the most inexpensive and time-saving ways of attending college , especially while working full-time or taking care of children, students who cannot easily afford college are often drawn to them. Students who are taking online classes are encouraged to research financial aid options thoroughly, especially need-based aid, scholarships for minorities , and scholarships for women if applicable. There are scholarship programs for single mothers and returning students. Scholarships are awarded based on numerous criteria, so searching is the best way to gain more knowledge.

To start finding out about the myriad distance learning scholarships and other college scholarships for which you may be eligible, simply conduct a free scholarship search on Scholarships.com. You will receive a list of search results based your unique, personal information, as well as all of the resources needed to make the proper scholarship selection, and start the scholarship application process . If you are interested in distance learning, scholarships can help you achieve your college goals without breaking the bank.

AAUW’s Re-Entry Scholarship

  • Application Deadline:
    3/1/2019
  • Amount:
    $1,800
  • The Women’s Re-Entry Scholarship is awarded by the Poway-Penasquitos Branch of the American Association of University Women and is intended for a woman who is returning to a school of higher education to complete her education. Applicants must be female, high school grads or GED recipient 23 years of age or older without a bachelor’s or advanced degree. Must live or attend a school in north San […] More

ACS Scholars Program

  • Application Deadline:
    3/1/2019
  • Amount:
    $5,000
  • ACS awards renewable scholarships to underrepresented minority students who want to enter the fields of chemistry or chemistry-related fields. Awards are given to qualified students. African American, Hispanic, or American Indian high school seniors or college freshman, sophomores, or juniors pursuing a college degree in the chemical sciences or chemical technology are eligible to apply. […] More

AFCEA Washington, DC Chapter Scholarship

  • Application Deadline:
    5/1/2019
  • Amount:
    $12,000
  • In order to apply for the AFCEA Washington, DC Chapter Scholarship, you must be a resident within the Metropolitan Washington Council of Governments. Acceptable majors include computer science, engineering, mathematics, physics, chemistry, cybersecurity, and management information systems; and command, control, communications, computers and Intelligence (C4I)-related fields of study including […] More

AL Diablo Valley Community College Scholarship

  • Application Deadline:
    3/18/2019
  • Amount:
    $4,000
  • The scholarship philanthropic project of Assistance League of Diablo Valley aids students with college expenses based upon their need and/or significant volunteer contribution to their community.

    Eligibility:
    -Must be a resident of Contra Costa County, California
    -Must be a community college graduate transferring to junior level status at a four-year college or university.
    -Must demonstrate […] More

Allegra Ford Thomas Scholarship

  • Application Deadline:
    11/13/2018
  • Amount:
    $2,500
  • The Allegra Ford Thomas scholarship is a $2,500 one-time scholarship awarded to a graduating high school senior with a documented learning disability who will be enrolled in a two-year community college, a vocational or technical training program, or a specialized program for students with LD in the fall. The ideal Allegra Ford Thomas Scholar is a student who:

    -Articulates his or her LD and […] More

Amish Descendant Scholarship

  • Application Deadline:
    8/10/2019
  • Amount:
    Varies
  • The Amish Descendant Scholarship Fund (ADSF) was founded to provide financial assistance and support to those coming from an Amish upbringing who have decided to pursue a higher education. In order to qualify for the scholarship you will have grown up Amish and your family is still Amish. You must have your GED or high school diploma before you can apply and be able to provide proof of […] More

Arizona BPW Foundation Scholarships

  • Application Deadline:
    4/1/2019
  • Amount:
    $1,500
  • The Arizona Business and Professional Women’s Foundation promotes the advancement of Arizona’s working women through scholarships, research, and education. Scholarships are awarded to women 25 years or older (by May 1) who are returning to school to acquire better job opportunities or advance their current careers.

    For more information or to apply, please visit the scholarship provider’s […] More

Arizona CPA Foundation High School Scholarship

  • Application Deadline:
    2/3/2019
  • Amount:
    $500
  • The Arizona CPA Foundation for Education and Innovation, in coordination with the Arizona Society of CPAs, supports programs and initiatives in education and practice which enhance excellence and innovation in the profession of accountancy.

    Eligibility:
    -After graduation, recipient must enroll in an Arizona university or community college as a full-time student in the fall semester […] More

Army Women’s Foundation Legacy Scholarships

  • Application Deadline:
    1/2/2019
  • Amount:
    $2,500
  • The Army Women’s Foundation recognizes the importance of education and the role it plays in personal, professional and economic fulfillment. The Army Women’s Foundation Legacy Scholarship Program provides grants to women soldiers, past and present, and their lineal descendants to help them attain their educational goals. The Legacy Scholarship Program offers financial support in four areas: […] More

Botkins Community Fund Scholarship

  • Application Deadline:
    Varies
  • Amount:
    $1,000
  • To be eligible for this award, the applicant must be Botkins High School (Shelby Co., Ohio) senior pursuing a two-year or four-year degree or a training certificate at an accredited post-secondary community college, university, or trade school.

    Selection will be based upon financial need, 2.7 GPA or higher, community and school service, and recommendations. Preference will be given to […] More

Cal Grant A & B Competitive Grant Program

  • Application Deadline:
    3/2/2019
  • Amount:
    Varies
  • There is no application fee for the Cal Grant A & B Competitive Award Program. Award may be used for undergraduate study at Cal Grant qualifying California post-secondary schools. Applicant must demonstrate academic performance and financial need; applicants must also submit FAFSA to federal processor and Cal Grant GPA Verification Form to California Student Aid Commission.

    Application […] More

Cancer for College General Scholarship

  • Application Deadline:
    1/31/2019
  • Amount:
    $16,000
  • Cancer for College provides one-time and recurring scholarships to current and former cancer patients. Applicants must be a U.S. citizen planning to enroll in an accredited four-year university, community college or graduate school. Awards vary from hundreds to thousands of dollars.

    Eligibility:
    -Must be a U.S. resident enrolled in an accredited university or community college
    -Must be a […] More

Coca-Cola Leaders of Promise

  • Application Deadline:
    5/2/2019
  • Amount:
    $1,000
  • The Coca-Cola Leaders of Promise Scholarship is the society’s first scholarship program available to members to be used during the time they are enrolled in their community colleges. Students must be a Phi Theta Kappa member in good standing and currently enrolled in a community college; have a minimum 3.5 GPA at the time of application on all college-level coursework and have completed 12-36 […] More

Colorado Garden Show Scholarships

  • Application Deadline:
    3/15/2019
  • Amount:
    Varies
  • Colorado Garden Show, Inc. offers scholarship programs from proceeds generated from the annual Colorado Garden & Home Show & the Colorado Fall Home Show, to provide financial aid to students attending a college or university in Colorado. Scholarship applicants must major in horticulture, floriculture, landscape design, botany, biology (as it applies to horticulture/agriculture sciences), […] More

Edward & Merilyn Borchers Family Foundation Scholarship

  • Application Deadline:
    2/15/2019
  • Amount:
    $8,000
  • To be eligible for the Edward & Merilyn Borchers Family Foundation Scholarship, the applicant must be a Russia High School (Shelby Co., Ohio) senior pursuing a two- or four-year degree at an accredited community college or university. Scholarships are renewable for up to three years.

    For more information or to apply, please visit the scholarship provider’s website. […] More

eQuality Scholarship

  • Application Deadline:
    1/31/2019
  • Amount:
    $6,000
  • eQuality Scholarship Collaborative awards scholarships to honor and encourage California students for their service to the lesbian/gay/bisexual/transgender community. Applicants for all scholarships must have demonstrated service to the LGBT+ community. Applicants of all sexual orientations and gender identities are eligible. Applicants must be a resident of northern or central California (may […] More

FNGA National Foliage Foundation/James H. Davis Scholarship

  • Application Deadline:
    1/15/2019
  • Amount:
    $3,500
  • The James H. Davis Memorial Scholarship was created to encourage students to pursue careers in Florida’s horticulture industry and related pursuits by providing financial assistance for undergraduate, postgraduate, or other advanced education programs in Florida. Applicant must be an incoming freshman, sophomore, junior, senior or graduate student planning to attend a community college, college, […] More

Golden Apple Scholars of Illinois

  • Application Deadline:
    2/15/2019
  • Amount:
    $23,000
  • Created in 1988 by the award-winning teachers of the Golden Apple Foundation, the Golden Apple Scholars of Illinois program recruits and prepares a rich ethnic diversity of bright and talented high school graduates for successful teaching careers in schools of need throughout Illinois.

    Golden Apple Scholars are selected from these distinct paths:
    – Graduating high school students
    – Pathway […] More

Herbert and Antoinette Schlater Scholarship

  • Application Deadline:
    2/15/2019
  • Amount:
    $2,500
  • To be eligible for the Herbert and Antoinette Schlater Scholarship, applicants must have a parent who is employed by either Sidney Electric Co. or Area Energy and Electric for a minimum of two years prior to January of the award year. Preference is given to a graduating high school senior; however, an older student can apply. Must have a minimum 2.0 GPA (requirement does not apply to applicants […] More

Incight Scholarship

  • Application Deadline:
    4/1/2019
  • Amount:
    $2,500
  • Our Incight Scholarship Program is a long-term commitment to students with disabilities entering and attending college. It functions to help reduce the barriers of education advancement and completion by providing the necessary skills for youth with disabilities. We believe that this will enable young people to become self-supporting participants in their communities. Scholarship recipients are […] More

Indian-American Foundation Upakar Scholarship

  • Application Deadline:
    4/30/2019
  • Amount:
    $2,000
  • Upakar was founded to support the educational and career aspirations of the Indian-American community. In addition to the financial award, Upakar provides a mentoring program for our scholarship recipients. This is an outstanding opportunity to seek the advice of and network with successful professionals across the United States from the Indian-American community. Each year, we will renew the […] More

Iowa Vocational-Technical Tuition Grant

  • Application Deadline:
    7/1/2019
  • Amount:
    $1,800
  • Iowa residents enrolled in career or technical education programs at Iowa community colleges may be eligible to receive this grant. The maximum award is $900 per year for up to two years of education. Part-time students may be eligible for adjusted amounts.

    Applicants must be Iowa residents enrolled in at least 3 credit hours in a qualified program of study (of at least a 15-week duration) at […] More

Kids’ Chance of Michigan

  • Application Deadline:
    Varies
  • Amount:
    $5,000
  • At Kids’ Chance of Michigan we’re dedicated to helping Michigan kids who need it most – those who need assistance for college or vocational education because a parent has been killed or catastrophically injured in a work-related accident. Our mission is to raise funds to provide need based scholarships to qualifying kids ages 17-22 to pursue their educational dreams at a college, community […] More

Leopold Education Project Scholarship Program

  • Application Deadline:
    2/1/2019
  • Amount:
    Varies
  • In order to apply to the Leopold Education Project Scholarship Program, applicants must be a graduating high school senior or high school graduate (diploma or G.E.D. certificate) who is enrolled or planning to enroll in full-time course of study at an accredited two- or four-year community college, college or university. Students must be studying a natural resource field such as fish or wildlife […] More

Martin Honors Scholarship

  • Application Deadline:
    7/7/2019
  • Amount:
    $10,000
  • The Martin Family Foundation Honors Scholarship Program enables community college students of exceptional ability and outstanding achievement to complete their baccalaureate degrees at the University of Washington, Seattle Campus. Martin Scholars are encouraged to join the Honors Departmental Program at the UW and, depending on their choice of major, are eligible to graduate with departmental or […] More

Melissa Anne Centrella Scholarship Foundation

  • Application Deadline:
    4/1/2019
  • Amount:
    Varies
  • Each year, The Melissa Anne Centrella Scholarship will be awarded to students in New Jersey pursuing a career in Nursing, Medical Sciences, or a Medical Technical field. Because medicine and care were so important to Melissa’s everyday life, she had a deep respect for the people that helped to bring dignity, comfort and respect to her special needs. The Board Members know that Melissa loved to […] More

NSHSS Andeavor Youth Leadership Awards

  • Application Deadline:
    3/15/2019
  • Amount:
    $2,500
  • Andeavor Industries is providing college scholarships for outstanding young leaders. This new scholarship has been launched to encourage young scholars who are leading by example in their schools and communities. The scholarship is open to high school seniors graduating in spring who are U.S. citizens or permanent residents of one of the following 19 states where Andeavor does business: Alaska, […] More

Ohio EPA Scholarship

  • Application Deadline:
    4/15/2019
  • Amount:
    $2,500
  • These merit based, nonrenewable, scholarships will be given to undergraduate students admitted to Ohio state or private colleges and universities who can demonstrate their knowledge and commitment to careers in environmental sciences or environmental engineering.

    Scholarship awardees will be selected on:
    -Academic record with an overall GPA of at least 3.0
    -Education employment, and/or […] More

Oregon Ford Scholars Program

  • Application Deadline:
    3/1/2019
  • Amount:
    $1,000
  • The Ford Scholars Program was created by Kenneth W. Ford (1908-1997), a founder of The Ford Family Foundation, to assist students who otherwise would find it impossible, or at least very difficult, to obtain a college degree without financial assistance. Mr. Ford established the Foundation to help a number of worthy causes, but the Ford Scholars Program was always one of his favorite projects. […] More

Palo Alto Rotary Club Vocational Scholarships

  • Application Deadline:
    3/1/2019
  • Amount:
    $2,000
  • The Rotary Club of Palo Alto Vocational Scholarships for the upcoming school year are intended to provide financial assistance to students who wish to enroll in an accredited vocational program at regional schools, such as the community colleges in San Mateo and Santa Clara counties. Eligible students will enroll in a program leading to a certificate or degree in a vocational field. For more […] More

Pennsylvania Postsecondary Educational Gratuity Program

  • Application Deadline:
    3/31/2019
  • Amount:
    Varies
  • This program honors individuals who lost their lives protecting the citizens of Pennsylvania by helping their children fund their education. This program provides a waiver of tuition, fees, and room and board costs charged by public post-secondary institutions. This waiver is only applied to charges that remain after all other grants (federal, state and outside scholarships) have been applied to […] More

PHCC Educational Foundation Scholarships

  • Application Deadline:
    5/1/2019
  • Amount:
    $5,000
  • The PHCC Educational Foundation Scholarships are designed to provide educational opportunities to deserving students pursuing a major directly related to the plumbing-heating-cooling (PHC) industry. Scholarships are available to students who are enrolled in a PHCC-approved plumbing or HVACR apprenticeship program, a full-time certificate or degree program at an accredited two-year community […] More

Pride Foundation Scholarships

  • Application Deadline:
    1/12/2019
  • Amount:
    $10,000
  • The Pride Foundation offers more than 50 different scholarships though there is only one application to complete. Scholarships are available to lesbian, gay, bisexual, transgender, queer, and straight-ally (straight and supportive of LGBT issues) students as well as students from LGBT families. Students must either be residents of Alaska, Idaho, Montana, Oregon or Washington (but may study […] More

Public Relations Professionals of Long Island Scholarship Program

  • Application Deadline:
    2/2/2019
  • Amount:
    $1,000
  • The Public Relations Professionals of Long Island Scholarship Program (PRPLI) is open to full-time college juniors, seniors and post-graduate students at four-year colleges/universities, and full-time sophomores attending community colleges whose career objective is to work in the area of public relations, communications and/or marketing. Applicant’s permanent residence must be on Long Island […] More

Regis College Community College Scholarship

  • Application Deadline:
    Varies
  • Amount:
    Varies
  • Merit scholarships are awarded on the basis of academic achievement to entering full-time, first-year, and transfer students seeking degrees. Students are notified of their eligibility by the Office of Admission at the time of their acceptance. The designation of a merit scholarship remains in effect for up to four years of undergraduate study, provided the student maintains the minimum renewal […] More

Robert L. Schulke Memorial Scholarship

  • Application Deadline:
    3/20/2019
  • Amount:
    $500
  • Robert L. Schulke Memorial Scholarships are awarded to students who are cancer survivors or have an immediate family member that is a cancer survivor or has passed away due to cancer. Special consideration will be given to those students enrolled in a health occupation or law enforcement program. Candidates must be a resident of Alpena County, enrolled at ACC for a minimum of six credit hours per […] More

Sacramento Press Club Journalism Scholarships

  • Application Deadline:
    3/31/2019
  • Amount:
    $8,000
  • The Sacramento Press Club will be awarding seven scholarships this year. Our scholarship program began in 1974 with a single $1,000 scholarship in honor of Earl “Squire” Behrens. In the past 40 years, we have given away more than $300,000 – a significant amount of assistance that has helped many young students on their way to successful journalism careers.

    Students submit a single application […] More

Southeastern Community College Foundation Scholarships

  • Application Deadline:
    Varies
  • Amount:
    Varies
  • Generous donors make it possible for the SCC Foundation to provide scholarships to eligible students enrolling at Southeastern Community College in Iowa. Eligibility criteria vary among scholarships, so take the time and effort to set yourself apart from other applicants. For more information or to apply, please visit the scholarship provider’s […] More

Texas Urban Scholarship

  • Application Deadline:
    7/10/2019
  • Amount:
    $2,000
  • The Urban Scholarship Fund is for Texas residents who are also U.S. citizens, graduating high school seniors, new and/or returning college students attending any accredited non-profit public or independent two or four-year college/university or technical school. Annual awards are $700 for community college, junior college, and technical college; $1,000 for public four-year college/university; and […] More

The Chen Foundation Scholarship Program

  • Application Deadline:
    3/29/2019
  • Amount:
    $2,000
  • The Chen Foundation is focused on helping economically-challenged youth fulfill their dreams of obtaining higher education. The scholarship is renewable, allowing scholarship recipients to receive an additional $2,000 award for the fall quarter/semester of their second year of college if they maintain a minimum 3.0 GPA and active service in the community. Students must be high school seniors and […] More

The Clara Abbott Foundation Scholarship

  • Application Deadline:
    Varies
  • Amount:
    Varies
  • The Clara Abbott Foundation offers need-based scholarships to help the dependent children of Abbott employees attend accredited colleges or universities, community colleges, vocational and trade schools. Awards are offered to students enrolled in full- or part-time studies to obtain their first undergraduate degree. Current employees must have a minimum of two years of continuous Abbott service […] More

The Coca-Cola Community College Academic Team Scholarship

  • Application Deadline:
    Varies
  • Amount:
    $1,500
  • The Coca-Cola Community College Academic Team recognizes high achieving two-year college students who demonstrate academic excellence and intellectual rigor combined with leadership and service that extends their education beyond the classroom to benefit society. Fifty (50) students will be named Gold Scholars, each receiving $1,500 scholarships; fifty (50) students will be named Silver Scholars, […] More

The Doyle Foundation, Inc. Scholarship

  • Application Deadline:
    2/1/2019
  • Amount:
    Varies
  • The Doyle Foundation Scholarship can be applied to any post-secondary institution. Applicants must be a graduating senior or graduate of the Huntington Beach Union High School District in Southern California, a graduating senior or graduate of the Washoe County School District in Northern Nevada, or a graduate or current student of any of the following community colleges in Southern California: […] More

The Governor’s Urban Scholarship Program

  • Application Deadline:
    Varies
  • Amount:
    $1,000
  • HESAA, the Higher Education Student Assistance Authority, is the only New Jersey state agency with the sole mission of providing students and families with financial and informational resources for students to pursue their education beyond high school. The Governor’s Urban Scholarship is a merit-based award for students ranked within the top 5% of their high school class and who have a minimum […] More

The JSSA Educational Scholarship Fund

  • Application Deadline:
    5/3/2019
  • Amount:
    $6,000
  • Scholarships are awarded annually to a high school senior who has completed significant volunteer services within the local Jewish community in addition to high school graduation service requirements. The JSSA Educational Scholarship Fund is awarded primarily based on financial need, and recipients are eligible for up to two years of funding. Applicants must be a high school senior at a […] More

The Marie A. Calderilla Scholarship

  • Application Deadline:
    3/23/2019
  • Amount:
    Varies
  • This program was established in 2007 through a generous gift from Marie A. Calderilla who believed deeply in the importance of education. The purpose of this scholarship is to enable women to pursue courses of study that they would otherwise be unable to follow due to limited financial means. The selection committee looks for academic promise, women who have demonstrated that they are committed […] More

The Mesothelioma Cancer Alliance Scholarship

  • Application Deadline:
    12/1/2018
  • Amount:
    $4,000
  • All entries will be reviewed by the staff at the Mesothelioma Cancer Alliance once the deadline passes. The winner will be chosen based on the positive impact they have on those around them, strength in the face of adversity, commitment to academic excellence, and financial need.

    Eligibility:
    -Those who have battled cancer at any point in their lives (not limited to mesothelioma)
    -Those who […] More

Tidewater AGC Educational Scholarships

  • Application Deadline:
    11/17/2018
  • Amount:
    $5,000
  • Tidewater AGC of Virginia is offering academic scholarships for the purpose of assisting students interested in pursuing a career in engineering, design, construction and related professions. In order to apply for a Tidewater AGC Educational Scholarship, you must be one of the following: employed by a Tidewater district AGC member firm, an immediate family member of an employee of a Tidewater […] More

Tuition and Fee Waivers for Guard Members

  • Application Deadline:
    Varies
  • Amount:
    Varies
  • The Massachusetts National Guard Education Assistance Program provides a 100% tuition and fee waiver for Massachusetts National Guard soldiers attending a state college, university, or community college program. Generally, these state-supported programs are offered during the day as part of a degree program. Your assistance can continue as long as you are in good standing academically and until […] More

White House Internship Program

  • Application Deadline:
    Varies
  • Amount:
    Varies
  • The White House Internship Program provides a unique opportunity to gain job experience and an inside look at the life of White House staff while building leadership skills. This hands-on program is designed to mentor and cultivate today’s young leaders, strengthening their understanding of the Executive Office and preparing them for future public service possibilities.

    In addition to normal […] More

Wives Behind the Badge Education Scholarship

  • Application Deadline:
    4/15/2019
  • Amount:
    $1,000
  • The Wives Behind the Badge Law Enforcement Children’s Scholarship is offered every year to the dependent children of law enforcement officers. Scholarships are awarded based on the scholastic achievement, character, and community service of the applicant.

    Scholarship Eligibility:
    -Applicant must be the dependent child (natural or adopted) of a local, state, or federal law enforcement officer […] More

Women of the South Primary Provider Scholarship

  • Application Deadline:
    4/25/2019
  • Amount:
    Varies
  • WOS Primary Provider scholarships are available to women who are the sole or primary providers of their household. Recipients of this scholarship will receive funding from Women of the South towards obtaining an associate degree from Oklahoma City Community College. Applicants must have a family income level that falls within participating ranges. A minimum 2.5 GPA is also required. For more […] More

Women’s Independence Scholarship Program

  • Application Deadline:
    Varies
  • Amount:
    $2,000
  • The objective of the Women’s Independence Scholarship Program is to help survivors of intimate partner abuse obtain an education that will, in turn, offer them the chance to secure employment, personal independence, and self-sufficiency. Support is available for full or part-time students interested in attending accredited programs at educational institutions. Applicants must be female and have […] More

Wyoming Space Grant Undergraduate Fellowships

  • Application Deadline:
    2/19/2019
  • Amount:
    $5,000
  • Each year, the Wyoming Space Grant Consortium (WSGC) awards fellowships to undergraduate students attending the University of Wyoming or one of Wyoming’s community colleges to provide the student with the opportunity to do “real” research. Undergraduates who are interested in science, math, engineering and technology careers gain valuable experience participating in research projects, while […] More

Latest College & Financial Aid News

College Housing Shortage Prompts Request for Professors’ Help

September 4, 2018

by
Susan Dutca

Hundreds of colleges are short of space for housing students and some are already turning study lounges into dorm rooms, doubles into triples, and triples into quads. Others are being forced to house students in off-campus apartments and hotels and offer discounts to anyone willing to live in a more-remote dorm.

[…]

Fall in Love with 2018 Autumn Scholarships

August 30, 2018

by
Susan Dutca

Summer is coming to an end but we’ve harvested a bountiful list of fall college scholarships to help you pay for college all year round. From big-name scholarships like the Coca-Cola Scholars Program Scholarship to downright quirky ones scholarships such as the Chick and Sophie Major Memorial Duck Calling Contest and everything in between, you’re bound to qualify for several fall 2018 scholarships. Turn a new leaf this semester by applying for and winning scholarships to pay your tuition bill, starting with this list of fall scholarships. […]

$1,000 Online Text Book Infuriates ULL Students

August 28, 2018

by
Susan Dutca

University of Louisiana at Lafayette students are outraged over a $999 online textbook for an introductory accounting course. University officials argue that the costly book was just a “placeholder” that “no one would actually pay.” Some students went as far as to theorize that the UL-Lafayette accounting department may have a “financial arrangement with Wiley that means they make more money from college bookstore sales.” […]

Last Reviewed: September 2018

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Tuition & Aid

Grants  Scholarships


/ Tuition  Aid / Scholarships – v2

Grants  Scholarships for Online Students

At Independence University, we understand that financing your education is often the biggest hurdle to getting started, so we offer a variety of grants and scholarships1 for prospective students. These forms of aid do not have to be repaid, unlike other financial aid options. Our grants and scholarships are funded by the Good Neighbor Initiative, which helps strengthen communities by increasing access to education via funding and no-cost GED® courses2 and other workshops. To learn more about your available financial aid and assistance options, call us at (800) 917-6391 .

Learn More about Our Grants and Scholarships

 

Save on tuition and reduce your student debt with grants or scholarships that are:

  • Created for adults like you who are ready to earn a degree
  • Not dependent on your previous academic performance
  • Open to students at any degree level–associate’s, bachelor’s, or master’s

 

As a nonprofit online university, we invest in our students first. Get in touch with us today at (800) 917-6391 to find out more about grants or scholarships available to you.




Grant Award

Independence University believes everyone should have the opportunity to earn a degree and enjoy a better future. That’s why, through our Good Neighbor initiative, we are proud to offer grants to eligible adults. And the best news is, these grants do not need to be repaid, making college even more affordable!

Grants Available

Family Grant

Family Grant

(equal to 10% of tuition)

Grant program designed for immediate family members of enrolled students or graduates from one of our family of colleges:

  • Stevens-Henager College
  • CollegeAmerica
  • California College San Diego
  • Independence University

Scholarship Awards

Through our Good Neighbor Initiative, our family of colleges is proud to offer several generous scholarship awards for adults who want to earn a degree or advance their current degree.

Scholarships Available

Your Future Scholarship (Full-Tuition)

Your Future Scholarship

Time is running out to apply for a 2018 “Your Future” Scholarship, which is designed to help new students afford college. We encourage all prospective students to apply for these scholarships. This scholarship is only available to new students who start Independence University by December 10, 2018.

Full-Tuition Scholarship

The Full-Tuition Scholarship will cover the entire tuition cost for a student to attend Independence University.

How to Apply
To apply for one of the 2018 Your Future Scholarships, a prospective student should contact Independence University. Prospective students must also:

  • Complete the 2018 Your Future Scholarship Application
  • Submit two unique letters of recommendation from non-family members
  • Submit a 500-700 word essay on “How this education wil change my life?
  • Take the Wonderlic SLE-Q test

Your Future Scholarship (Half-Tuition)

Your Future Scholarship

Time is running out to apply for a 2018 “Your Future” Scholarship, which is designed to help new students afford college. We encourage all prospective students to apply for these scholarships. This scholarship is only available to new students who start Independence University by December 10, 2018.

Half-Tuition Scholarship

The Half-Tuition Scholarship will cover 50% of the tuition cost for a student to attend Independence University.

How to Apply
To apply for one of the 2018 Your Future Scholarships, a prospective student should contact Independence University. Prospect students must also:

  • Complete the 2018 Your Future Scholarship Application
  • Submit one unique letter of recommendation from a non-family members
  • Submit a 500-700 word essay on “How this education will change my life?
  • Take the Wonderlic SLE-Q test

Your Future Scholarship (Bachelor’s)

Your Future Scholarship

Time is running out to apply for a 2018 “Your Future” Scholarship, which is designed to help new students afford college. We encourage all prospective students to apply for these scholarships. This scholarship is only available to new students who start Independence University by December 10, 2018.

Bachelor’s Degree Scholarship

The Bachelor’s Degree Scholarship is for $5,000 towards the tuition cost for any Independence University Bachelor’s degree programs.

How to Apply
To apply for one of the 2018 Your Future Scholarships, a prospective student should contact Independence University. Prospective students must also:

  • Complete the 2018 Your Future Scholarship Application
  • Applicant must be planning to enroll in one of the university’s bachelor’s degree programs.
  • Submit a 500-700 word essay on “How this education wil change my life?
  • Take the Wonderlic SLE-Q test

Your Future Scholarship (Associate’s)

Your Future Scholarship

Time is running out to apply for a 2018 “Your Future” Scholarship, which is designed to help new students afford college. We encourage all prospective students to apply for these scholarships. This scholarship is only available to new students who start Independence University by December 10, 2018.

Associate’s Degree Scholarship

The Associate’s Degree Scholarship is for $3,000 towards the tuition cost for any Independence University Associate’s degree programs.

How to Apply
To apply for one of the 2018 Your Future Scholarships, a prospective student should contact Independence University. Prospective students must also:

  • Complete the 2018 Your Future Scholarship Application
  • Applicant must be planning to enroll in one of the university’s bachelor’s degree programs.
  • Submit a 500-700 word essay on “How this education wil change my life?
  • Take the Wonderlic SLE-Q test

Bachelor’s Upgrade Scholarship

Bachelor’s Upgrade Scholarship

($5,000 towards tuition)

This scholarship is available to graduates who earned their Associate’s degree from one of our family of colleges—Independence University, Stevens-Henager College, CollegeAmerica, or California College San Diego.

In order to qualify, the applicant must have graduated with an Associate’s degree from the school with at least a 2.5 cumulative GPA. In addition, the applicant must submit a 500-word essay to the Campus Director on his/her goals for completion of the Bachelor’s program. Once awarded, the recipient has seven (7) years from the date of graduation from an Associate’s degree program to use the scholarship for one of our Bachelor’s degree programs.

Master’s Upgrade Scholarship

Master’s Upgrade Scholarship

($5,000) 50% of cost of Master’s degree program

This scholarship is available to graduates who earned their Bachelor’s degree from one of our family of colleges—Independence University, Stevens-Henager College, CollegeAmerica, or California College San Diego.

In order to qualify, the applicant must have graduated with a Bachelor’s degree from the school with at least a 2.5 cumulative GPA. In addition, the applicant must submit a 500-word essay to the Campus Director on his/her goals for completion of the Master’s program. Once awarded, the recipient has one (1) year from the date of graduation from a Bachelor’s degree program to use the scholarship for one of our Master’s degree programs. The tuition scholarship will be awarded upon graduation from the Master’s program.

Additional Financial Assistance Programs

Student Aid ProgramType of AidProgram DetailsAnnual Max Award Limits
Federal Pell Grant

Grant: does not have to be repaid.Available almost exclusively to undergraduates; all eligible students can receive the Federal Pell Grant amounts they qualify for.$5,815 (2010/2011 school year). Subject to change every July 1st.
Federal Supplemental

Educational Opportunity

Grant (FSEOG)
Grant: does not have to be repaid.For undergraduates with exceptional financial need; priority is given to Federal Pell Grant recipients; funds depend on availability at school.Amounts vary depending on school’s allocation.
Federal Work Study
Money is earned while attending school; does not have to be repaid.For undergraduates with exceptional financial need; priority is given to Federal Pell Grant recipients; funds depend on availability at school.No annual maximum.
Federal Perkins Loan
Loan: must be repaid.Five percent loans for both undergraduate and graduate students; payment is owed to the school that made the loan.$5,500 for undergraduate students;

$8,000 for graduate students.
Direct Subsidized Loan
Loan: must be repaid.Direct Subsidized: U.S. Department of Education pays interest while borrower is in school and during grace and deferment periods.$3,500 to $8,500, depending on grade level.
Direct Unsubsidized Loan
Loan: must be repaid.Direct Unsubsidized: Borrower is responsible for interest during life of the loan.$4,000 to $18,500, depending on grade level (If you do not qualify for Direct Subsidized loan).
Federal PLUS Loan
Loan: must be repaid.Available to parents of dependent undergraduate students.Cost of attendance minus any other financial aid the student receives.

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