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Financial Aid & Scholarships:

Funding Your Graduate Education:


Federal Student Aid
For information about types of federal student aid, eligibility criteria, and repaying student loans, visit www.studentaid.ed.gov

Federal student aid accounts for the largest percentage of aid received by graduate and professional students, so be sure to fill out the Free Application for Federal Student Aid (FAFSA) at www.fafsa.ed.gov

To find out about funding from agencies other than ED, take a look at www.students.gov Don't forget to research tax benefits at the Internal Revenue Service's Web site! www.irs.gov

State Aid
Your state might offer assistance for graduate or professional school. Contact information for state higher education agencies is at www.ed.gov/Programs/bastmp/SHEA.htm

Institutional Aid
According to ED statistics, your school is likely to provide nearly as much of your graduate funding as the federal government is. To find out what aid is available at your school, contact the financial aid office as well as a faculty member in your area of study. For instance, if you plan to seek a Master of Arts in French Literature, you might speak to the Chair or to the Director of Graduate Studies for the French Department.

Other Aid
Here are some other places you should consider looking for funding:

  • the reference section of your school or public library
  • the Internet (there is a free scholarship search at www.studentaid.ed.gov)
  • foundations, religious organizations, community organizations, local businesses, and civic groups
  • organizations (including professional associations) related to your field of interest
  • ethnicity-based organizations
  • your employer
  • your state vocational rehabilitation agency (if appropriate); a list of state agencies is at www.ed.gov/about/offices/list/osers/rsa/index.html

    Alternative Loans
    There are many private loan programs with varying interest rates available to you. These programs require a separate application process. A credit evaluation may be required by the lender and if you have an adverse credit history you may be denied a loan.

  • CitiAssist Loan - for U.S. citizens and U.S. permanent residents or international students with a U.S. citizen or permanent resident co-signer, the CitiAssist Loan from Citibank is a very competively priced alternative loan program that can help meet your education funding needs while you invest in your education. The interest rate for this program is Prime plus 0%. For more information, please vist the CitiAssist web site.
  • Teri - www.teri.com
  • Sallie Mae - www.salliemae.com
  • Access Group - www.accessgroup.org
  • Key Education Resources - www.key.com/educate/grad

    Other Sources
  • Federal Student Financial Aid: U.S. Department of Education www.studentaid.ed.gov
  • Finaid: The Smart Students Guide to Financial Aid Scholarship - www.finaid.com
  • Google - www.google.com
  • Penn's Student Financial Services Office - www.sfs.upenn.edu
  • Student Awards Scholarship Search - hundreds of thousands of awards in its database, www.studentawards.com
  • Yahoo - www.yahoo.com

    Points to Consider


    Save your money
    You don't have to pay for information about aid. If a company offers to help you find financial aid for a fee, read Looking for Student Aid at www.studentaid.ed.gov/LSA before you agree to pay for services.

    You also don't have to pay to submit the FAFSA. If you visit a Web site that asks for payment for the FAFSA, you're not at the official ED site. Go to www.fafsa.ed.gov

    Know how to handle your student loans
    Check out ED's publication called Repaying Your Student Loans at www.studentaid.ed.gov/repayingpub

    Questions?
    Visit www.studentaid.ed.gov or call 1-800-4-FED-AID (TTY for the hearing-impaired: 1-800-730-8913)

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