There are three primary sources of aid, the federal government, the state government, and the institution. Another, smaller source of aid is private/outside organizations. These funding sources offer grants, scholarships, loans, and funding for employment and/or service. Explore these pages for information on a variety of aid sources and programs, but remember in most cases you must file a Free Application for Federal Student Aid (FAFSA) to be considered.
If your FAFSA is selected for verification and did not use the IRS Data Retrieval Tool (IRS DRT) when you completed the FAFSA, please click here to request the IRS Tax Return Transcript from the IRS.
Grants are funds that do not require repayment. Grants are generally awarded to students with the greatest financial need, which is determined by the completion of the Free Application for Federal Student Aid (FAFSA). The Federal grant program consists of Pell, SEOG, and Iraq and Afghanistan Service Grant. State Grants include the HOPE Scholarship and Tuition Equalization Grant.
Scholarships are gifts of money that do not require repayment. Scholarships usually recognize special achievements in academics, talent, and leadership. Scholarships can come from a variety of sources.
Loans are funds that students and/or parents may borrow to pay for school and require repayment. The Federal Loan program consists of Direct Stafford, Perkins, Parent PLUS. Student may also obtain a Private/Alternative Loan to assist with costs as well. Private/Alternative Loans are non-federal loans and terms of the loan and repayments options are determined by the lender.
Find more information about:
Private Alternative Loans
Students who need additional funds beyond what they qualify for under the Federal Direct Loan programs or who are not eligible for federal loans may wish to apply through the alternative loan programs.
Each lender has different eligibility requirements, interest rates and repayment terms. Students and/or parents who may need to consider this option should click on the site below to compare and review options through ELMSelect. This site provides you with choices based you're your needs.
Click on ELMSelect 2.0 to view. Note: Must hit the F5 key on keyboard in order for lenders to display.
Galaxy Student Lending LLC. offers assistance in tuition lending for Private, Prep schools and Colleges, both traditional and Technical as well as Club programs. The purpose is to provide bridge funding for parent and student through our lending organization. Traditional lending sources such as banks are not offering the possibility for mid to low income individuals with challenged credit to get funding. Home equity lending is almost nonexistent! Finance companies and credit card are charging interest rates at 25-35% which is unacceptable!