Financing higher education: Scholarships, grants, and financial aid

k9bmkDEC@?8mu:?2?4:?8 9:896C 65F42E:@?i $49@=2CD9:AD[ 8C2?ED[ 2?5 7:?2?4:2= 2:5k^DEC@?8mk^9bm

kAmpD 4@==686 6IA6?D6D :?4C62D6[ 7:?2?4:2= 2:5 92D 364@>6 2 =:76=:?6 7@C >@DE DEF56?ED 2?5 72>:=:6D] p44@C5:?8 E@ tIA6C:2?[ 7@C E96 a_ac\a_ad D49@@= J62C[ k2 9C67lQ9EEADi^^HHH]6IA6C:2?]4@>^3=@8D^2D<\6IA6C:2?^2G6C286\4@==686\EF:E:@?^QmEF:E:@? 2?5 766D C2?865k^2m 7C@> S``[e`_ 2E :?\DE2E6 AF3=:4 4@==686D E@ Scb[bd_ 2E AC:G2E6 ?@?AC@7:ED] (96? J@F 724E@C :? 9@FD:?8[ >62=D[ 2?5 DFAA=:6D[ E96 E@E2= AC:46 E28 5C2DE:42==J :?4C62D6D[ H:E9 D@>6 DEF56?ED A2J:?8 2D >F49 2D Sea[hh_ 2 J62C]k^Am

kAmk2 9C67lQ9EEADi^^HHH]D49@=2CD9:A:?DE:EFE6]@C8^Qm$49@=2CD9:A x?DE:EFE6k^2m 3C62<D 5@H? 9@H E@ 7:?5 2?5 >2I:>:K6 7:?2?4:2= 2:5 7@C 4@==686]k^Am

k9bm&?56CDE2?5:?8 E96 4FCC6?E 4@DE @7 9:896C 65F42E:@?k^9bm

kAmr@==686 4@DED 2C6 C:D:?8] %96 k2 9C67lQ9EEADi^^65F42E:@?52E2]@C8^2G6C286\4@DE\@7\4@==686Qmt5F42E:@? s2E2 x?:E:2E:G6k^2m C6A@CED E92E :? a_ad[ E96 2G6C286 :?\DE2E6 AF3=:4 EF:E:@? H2D Sh[fd_] ~FE\@7\DE2E6 DEF56?ED A2:5 C@F89=J Sag[bge[ 2?5 AC:G2E6 ?@?AC@7:E EF:E:@? 4@DE Sbg[ca`] u@C a_ac\a_ad[ k2 9C67lQ9EEADi^^HHH]32?<C2E6]4@>^=@2?D^DEF56?E\=@2?D^2G6C286\4@DE\@7\4@==686^Qmq2?<C2E6k^2m EC24<65 4@DED 2D 9:89 2D Sea[hh_ 2E AC:G2E6 D49@@=D]k^Am

k9bmq6J@?5 EF:E:@?i E@E2= 4@DE 3C62<5@H?k^9bm

kAm%F:E:@? :D @?=J A2CE @7 E96 DE@CJ] (96? J@F :?4=F56 9@FD:?8[ 7@@5[ 3@@<D[ DFAA=:6D[ 2?5 EC2?DA@CE2E:@?[ E96 ?F>36CD =@@< =:<6 E9:Dik^Am

kF=mk=:mSaf[`ce 7@C :?\DE2E6 DEF56?EDk^=:mk=:mScd[f_g 7@C @FE\@7\DE2E6 DEF56?EDk^=:mk=:mSdg[eag 2E AC:G2E6 ?@?AC@7:EDk^=:mk^F=m

kAmr@>>F?:EJ 4@==686 :D 4962A6C[ 3FE ?@E 7C66] p44@C5:?8 E@ t5F42E:@? s2E2 x?:E:2E:G6[ k2 9C67lQ9EEADi^^65F42E:@?52E2]@C8^2G6C286\4@DE\@7\4@>>F?:EJ\4@==686Qm:?\5:DEC:4E EF:E:@? 2G6C286D Sb[dhgk^2m[ H:E9 2 E@E2= J62C=J 4@DE @7 2C@F?5 S`f[cbh]k^Am

k9bm%JA6D @7 7:?2?4:2= 2:5 2G2:=23=6k^9bm

kAmkDEC@?8mu656C2= 7:?2?4:2= 2:5k^DEC@?8mk^Am

kAmvC2?ED 5@?’E ?665 E@ 36 C6A2:5] u@C a_ad\a_ae[ E96 k2 9C67lQ9EEADi^^DEF56?E2:5]8@G^F?56CDE2?5\2:5^EJA6D^8C2?ED^A6==Qm>2I:>F> !6== vC2?Ek^2m :D Sf[bhd] $EF56?ED 42? 2=D@ 3@CC@H 7656C2= =@2?D[ :?4=F5:?8ik^Am

kF=mk=:m$F3D:5:K65 $E277@C5 {@2?D[ H9:49 5@?’E 244CF6 :?E6C6DE H9:=6 2 DEF56?E :D :? D49@@=]k^=:mk=:m&?DF3D:5:K65 $E277@C5 {@2?D[ H9:49 5@]k^=:mk^F=m

kAmq@CC@H:?8 =:>:ED C2?86 7C@> Sd[d__ 7@C F?56C8C25D E@ Sa_[d__ 7@C 8C25 DEF56?ED]k^Am

kAmkDEC@?8m$E2E6\DA64:7:4 2:5k^DEC@?8mk^Am

kAm$E2E6D 92G6 E96:C @H? AC@8C2>D] u@C 6I2>A=6ik^Am

kF=mk=:mr2=:7@C?:2i k2 9C67lQ9EEADi^^DEF56?E2:5]8@G^96=A\46?E6C^2?DH6CD^2CE:4=6^H92E\:D\42=\8C2?EQmr2= vC2?Ek^2m W32D65 @? v!p Z ?665Xk^=:mk=:m}6H *@C<i k2 9C67lQ9EEADi^^HHH]96D4]?J]8@G^}*$%p!Qm%p!k^2m 7@C :?\DE2E6 C6D:56?EDk^=:mk^F=m

kAmkDEC@?8mx?DE:EFE:@?2= 2:5k^DEC@?8mk^Am

kAmr@==686D @7E6? @776C ?665\32D65 @C >6C:E\32D65 D49@=2CD9:AD] ~?6 6I2>A=6 :D E96 k2 9C67lQ9EEADi^^25>:DD:@?]F?:G6CD:EJ@742=:7@C?:2]65F^EF:E:@?\7:?2?4:2=\2:5^EJA6D\@7\2:5^3=F6\2?5\8@=5\@AA@CEF?:EJ\A=2?]9E>=Qm&?:G6CD:EJ @7 r2=:7@C?:2’D q=F6 2?5 v@=5 !=2?k^2m[ H9:49 4@G6CD EF:E:@? 7@C 72>:=:6D 62C?:?8 F?56C S`__[___]k^Am

k9bm%96 upu$pi *@FC 82E6H2J E@ 2:5k^9bm

kAmkDEC@?8mz6J 492?86D 7@C a_ad\a_aek^DEC@?8mk^Am

kAm%96 k2 9C67lQ9EEADi^^DEF56?E2:5]8@G^9^2AA=J\7@C\2:5^727D2Qmupu$pk^2m 7@C> :D D9@CE6C — ;FDE be BF6DE:@?D] %96 $EF56?E p:5 x?56I C6A=246D E96 @=5 tur] $EF56?ED 2C6 ?@H C6BF:C65 E@ FD6 E96 x#$ 52E2 C6EC:6G2= E@@=] $EF56?ED 2=D@ =62C? !6== vC2?E 6=:8:3:=:EJ 62C=:6C]k^Am

kAmkDEC@?8m%:>6=:?6 2?5 2AA=:42E:@? AC@46DDk^DEC@?8mk^Am

kAm%96 upu$p @A6?D ~4E@36C `[ a_ad[ 7@C E96 a_ae\a_af D49@@= J62C] %96 7656C2= 5625=:?6 :D yF?6 b_[ a_ae[ 3FE >@DE DE2E6D 2?5 4@==686D D6E >F49 62C=:6C 5625=:?6D[ @7E6? :? u63CF2CJ @C |2C49]k^Am

kAmkDEC@?8m$E6A\3J\DE6A upu$p 8F:56k^DEC@?8mk^Am

k@=mk=:mrC62E6 u$p xsD 7@C E96 DEF56?E 2?5 2 A2C6?E]k^=:mk=:mv2E96C E2I 2?5 32?<:?8 5@4F>6?ED]k^=:mk=:mr@>A=6E6 upu$p @?=:?6]k^=:mk=:m$F3>:E 62C=J — 5@?’E >:DD AC:@C:EJ 5625=:?6D]k^=:mk=:m#6G:6H E96 $EF56?E p:5 #6A@CE 2?5 7:I 2?J 6CC@CD]k^=:mk^@=m

k9bm$49@=2CD9:ADi |6C:E\32D65 2?5 ?665\32D65k^9bm

kAmkDEC@?8m%JA6D @7 D49@=2CD9:ADk^DEC@?8mk^Am

kF=mk=:m|6C:E\32D65 W:?4=F5:?8 3FE ?@E =:>:E65 E@ 24256>:4D[ 2E9=6E:4D[ 2?5 2CEDXk^=:mk=:m}665\32D65 W86?6C2==J :?4@>6\5C:G6?Xk^=:mk^F=m

kAm%@A 2H2C5D :?4=F56 E96 k2 9C67lQ9EEADi^^HHH]>2CD92==D49@=2CD9:A]@C8^Qm|2CD92== $49@=2CD9:Ak^2m WFA E@ Sgd[___X 2?5 k2 9C67lQ9EEADi^^HHH]C9@56D9@FD6]@I]24]F<^Qm#9@56D $49@=2CD9:Ak^2m WFA E@ Sad_[___X]k^Am

kAmkDEC@?8m$49@=2CD9:A DEC2E68:6D 7@C a_adk^DEC@?8mk^Am

kF=mk=:mpAA=J E@ 2E =62DE `_\`d D49@=2CD9:AD]k^=:mk=:m&D6 D49@=2CD9:A D62C49 E@@=D 2?5 D49@@= 4@F?D6=@CD]k^=:mk=:mu@4FD @? =@42= 2H2C5D — E96C6’D =6DD 4@>A6E:E:@?]k^=:mk=:m$E2CE 62C=J[ E2:=@C J@FC 6DD2JD[ 2?5 AC@@7C625 42C67F==J]k^=:mk^F=m

k9bm(@C<\DEF5J 2?5 DEF56?E 6>A=@J>6?Ek^9bm

kAmkDEC@?8mu656C2= H@C<\DEF5J 36?67:EDk^DEC@?8mk^Am

kAm%9:D AC@8C2> @776CD A2CE\E:>6 ;@3D H:E9 7=6I:3=6 9@FCD] %96 36DE A2CEn %96 >@?6J 62C?65 H@?’E 4@F?E 282:?DE 7FEFC6 2:5 6=:8:3:=:EJ] |@DE DEF56?ED H@C< `_–`d 9@FCD A6C H66<]k^Am

kAmr@>>@? H@C<\DEF5J ;@3Dik^Am

kF=mk=:m{:3C2CJ 2:56k^=:mk=:mp5>:? DFAA@CEk^=:mk=:m%FE@Ck^=:mk=:mr276E6C:2 DE277k^=:mk^F=m

kAm$@>6 D49@@=D 2=D@ @776C C@=6D :? C6D62C49[ >65:2[ @C E649 DFAA@CE] pAA=J 62C=J[ 2?5 A:4< ;@3D 2=:8?65 H:E9 J@FC 42C66C :?E6C6DED] %CJ E@ =:>:E 9@FCD E@ `_–a_ A6C H66< E@ DE2J 7@4FD65 @? 24256>:4D]k^Am

k9bm$EF56?E =@2?Di u656C2= GD] AC:G2E6k^9bm

kAmkDEC@?8mu656C2= =@2? 36?67:EDk^DEC@?8mk^Am

kAmu656C2= =@2?D 4@>6 H:E9 7:I65 :?E6C6DE[ :?4@>6\5C:G6? C6A2J>6?E A=2?D[ 2?5 7@C8:G6?6DD @AE:@?D] |@DE 5@?’E C6BF:C6 2 4C65:E 4964< @C 4@D:8?6C]k^Am

kAmkDEC@?8m(96? E@ 4@?D:56C AC:G2E6 =@2?Dk^DEC@?8mk^Am

kAm$EF56?ED D9@F=5 4@?D:56C AC:G2E6 =@2?D @?=J 27E6C 6I92FDE:?8 2== @E96C @AE:@?D] !C:G2E6 =@2?D @7E6? ?665 4@D:8?6CD[ k2 9C67lQ9EEADi^^HHH]?6C5H2==6E]4@>^2CE:4=6^=@2?D^DEF56?E\=@2?D^DEF56?E\=@2?D\7656C2=\GD\AC:G2E6\=@2?DRiOiE6IEl?62CTa_!@CE=2?5TarTa_~C68@?]\[w625Ta_@7Ta_r@?E6?ETarTa_!6CD@?2=Ta_U2>AjTa_$EF56?ETa_{@2?D[%96Ta_C6>2:?:?8Ta_gTadTa_2C6Ta_AC:G2E6]Qm42CCJ G2C:23=6 C2E6Dk^2m[ 2?5 =24< E96 7=6I:3:=:EJ @7 7656C2= =@2?D]k^Am

k9bm|2I:>:K:?8 7:?2?4:2= 2:5k^9bm

kF=mk=:m$>2CE 7:?2?4:2= A=2??:?8i $EF56?E 2DD6ED H6:89 >@C6 962G:=J Wa_TX :? upu$p 42=4F=2E:@?D E92? A2C6?E 2DD6ED Wd]ecTX] |@G:?8 7F?5D :?E@ C6E:C6>6?E 244@F?ED 42? 96=A]k^=:mk=:m%:>:?8 >2EE6CDi $F3>:E E96 upu$p 2D D@@? 2D :E @A6?D @? ~4E@36C `] |2?J AC@8C2>D 2C6 7:CDE\4@>6[ 7:CDE\D6CG65]k^=:mk^F=m

k9bmp=E6C?2E:G6 7F?5:?8 D@FC46Dk^9bm

kAmkDEC@?8m}@?\EC25:E:@?2= @AE:@?Dik^DEC@?8mk^Am

kF=mk=:mx?4@>6\D92C6 28C66>6?ED Wx$pDXi !2J 2 A6C46?E286 @7 7FEFC6 :?4@>6 :?DE625 @7 3@CC@H:?8]k^=:mk=:mt>A=@J6C 2DD:DE2?46i $@>6 ;@3D @776C EF:E:@? DFAA@CE]k^=:mk=:mrC@H57F?5:?8i %CJ v@uF?5|6 @C =@42= 4@>>F?:EJ 8C2?ED]k^=:mk^F=m

kAmkDEC@?8m%@A H2JD E@ 4FE 4@DEDik^DEC@?8mk^Am

kF=mk=:m$E2CE 2E 4@>>F?:EJ 4@==686]k^=:mk=:mtDE23=:D9 :?\DE2E6 C6D:56?4J]k^=:mk=:m{:G6 2E 9@>6 @C @77\42>AFD]k^=:mk^F=m

k9bm$A64:2= 42D6Dk^9bm

kF=mk=:mu:CDE\86?6C2E:@? DEF56?EDi |2?J 4@==686D @776C >6?E@C:?8 2?5 EC2?D:E:@? DFAA@CE]k^=:mk=:m}@?\EC25:E:@?2= DEF56?EDi p5F=E =62C?6CD @C 42C66C 492?86CD D9@F=5 4964< 9@H A2CE\E:>6 DE2EFD 27764ED 2:5]k^=:mk=:mx?E6C?2E:@?2= DEF56?EDi u656C2= 2:5 :D?’E 2G2:=23=6[ 3FE :?DE:EFE:@?2= D49@=2CD9:AD 2?5 AC:G2E6 =@2?D >2J 96=A]k^=:mk^F=m

k9bmr@==686 7:?2?4:2= 2:5 E:>6=:?6 2?5 24E:@? A=2?k^9bm

kAmyF?:@C *62Cik^Am

kF=mk=:m#6D62C49 4@==686D[ 4@>A2C6 4@DED[ 2?5 DE2CE 2 D49@=2CD9:A =:DE]k^=:mk^F=m

kAmu2== D6?:@C J62Cik^Am

kF=mk=:m$F3>:E upu$p[ 2AA=J E@ D49@@=D 2?5 D49@=2CD9:AD]k^=:mk^F=m

kAm$AC:?8 D6?:@C J62Cik^Am

kF=mk=:m#6G:6H 2:5 @776CD[ 2AA62= :7 ?66565[ 2?5 7:?2=:K6 J@FC 564:D:@?]k^=:mk^F=m

kAmp7E6C 8C25F2E:@?ik^Am

kF=mk=:m!=2? 7@C =@2? C6A2J>6?E[ =@@< :?E@ 7@C8:G6?6DD AC@8C2>D]k^=:mk^F=m

k9bmr@>>@? >:DE2<6D E@ 2G@:5k^9bm

kAmkDEC@?8mpAA=:42E:@? 6CC@CDik^DEC@?8mk^Am

kF=mk=:m|:DD:?8 <6J 5625=:?6Dk^=:mk=:mx?244FC2E6 7:?2?4:2= :?7@k^=:mk=:mv6?6C:4 @C H62< 6DD2JDk^=:mk=:mx?4@>A=6E6 @C D=@AAJ DF3>:DD:@?Dk^=:mk^F=m

kAmkDEC@?8m$EC2E68J 72:=Dik^DEC@?8mk^Am

kF=mk=:mpDDF>:?8 J@F H@?’E BF2=:7J]k^=:mk=:mx8?@C:?8 D>2== @C =@42= D49@=2CD9:AD]k^=:mk=:m%2<:?8 @FE =@2?D 7:CDE]k^=:mk^F=m

k9bmr@?4=FD:@?k^9bm

kAmr@==686 :D 6IA6?D:G6[ 3FE A=2??:?8 D>2CE=J 42? >2<6 :E >2?28623=6] u:=6 J@FC upu$p @? E:>6] pAA=J 7@C 6G6CJ EJA6 @7 2:5i 8C2?ED[ D49@=2CD9:AD[ H@C<\DEF5J[ 2?5 7656C2= =@2?D] pG@:5 AC:G2E6 =@2?D F?=6DD J@F 23D@=FE6=J ?665 E96>] $E2CE 62C=J[ DE2J @C82?:K65[ 2?5 J@F’== 36 :? 2 36EE6C A@D:E:@? E@ 277@C5 4@==686 H:E9@FE 5C@H?:?8 :? 563E]k^Am

kAmk2 9C67lQ9EEADi^^D49@=2CD9:A:?DE:EFE6]@C8^3=@8^7:?2?4:?8\9:896C\65F42E:@?^Qmk6>m%9:D DE@CJk^6>mk^2m k6>mH2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^D49@=2CD9:A:?DE:EFE6]@C8^Qmk6>m$49@=2CD9:A x?DE:EFE6k^6>mk^2m k6>m2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2m]k^Am