Financial Aid for Students

I have provided below a guide for students for the process of locating and applying for financial aid. Updated April 2017.

The Basics: Getting Started

Student aid and where it comes from

Basic assistance categories:

  • Financial need-based
    Remember that students and their parents are responsible for paying what they can -- financial aid is a supplement, not a substitute, for family resources.
  • Non-need-based
    Factors include academic excellence, ethnic background, or organization membership. Corporations may also offer assistance to employees and children.

Federal Student Aid:

  • Provides nearly 70% of student aid under Loans, Grants and Work/study programs.
  • Available to all need-based applicants; some loans and competitive scholarships for non-need-based.
  • Free information from the United States Department of Education:
  • Loans are the most common federal aid and must be repaid when you graduate or leave college.
  • Scholarships/grants are mostly need-based and require no repayment:
  • "Congressional" scholarships:
    • Named for Member of Congress or other prominent individuals (such as Byrd Honors Scholarships, Fulbright fellowships)
    • Merit-based and highly competitive
    • Members of Congress do not play a role in selecting recipients
  • Work study programs allow you to earn money while in school:
  • For questions not covered by the Department of Education Web site, call the Federal Student Aid Information Center at 1-800-433-3243.

States offer residents a variety of scholarships, loans, and tuition exemptions.

Colleges and universities provide some 20% of aid, most need-based. Check University Web sites and the institution’s financial aid office when you apply for admission.

Private foundations, corporations, and organizations offer scholarships or grants:

Targeted aid for special groups

Interested in public service?

Federal assistance programs seek to encourage people to work in geographic areas or professions where there’s a particular need (such as doctors in underserved areas); encourage underrepresented groups to enter a particular profession; and provide aid in exchange for services provided (such as military service).

Aid for private K-12 education: No direct federal assistance, check with schools themselves:

Repaying your loans

After college, the federal government has ways to help you repay your loans.

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    repName John Smith  
    helpWithFedAgencyAddress Haverhill District Office
    1234 S. Courthouse
    Haverhill, CA 35602
     
    district 21st District of California  
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  • Office Locations

    Office Name Location Image Map URL
    Washington DC Washington, DC Office
    2252 Rayburn HOB
    Washington, DC 20515
    Phone: (202) 225-4572
    Washington https://goo.gl/maps/tFWeE1YKJLw
    District Office District Office
    316 N Milwaukee St STE 406
    Milwaukee, WI 53202
    Phone: (414) 297-1140
    Fax: (414) 297-1086
    District https://goo.gl/maps/5xdmwdepKAG2