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Financial aid refers to the wide variety of programs helping students pay for college or graduate school. It includes three forms: scholarships (and grants), which are merit-based and do not have to be repaid; loans, which are need-based and have to be repaid; and work-study programs.

It is amazing how much scholarship money goes unclaimed each year. There are so many possible sources of scholarships that we cannot list each of them here. Below are most popular forms of scholarship programs.

There are a number of ways to find out about scholarships. First, contact the financial aid office at the schools in which you are interested. They will have access to a large amount of scholarship information. Find out if there are any special scholarships for which you are especially qualified at your school (i.e. minority scholarship fund, Indian or individual tribal scholarships, etc.).

An education loan is a form of financial aid that must be repaid, with interest. Education loans come in three major categories: student loans (e.g., Stafford and Perkins loans), parent loans (e.g., PLUS loans) and private student loans (also called alternative student loans).

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