CAMPUS-BASED PROGRAMS (Administered by School and Dependent on Availability of Funds at School)
Federal Pell Grants	Federal Supplemental Educational Opportunity Grants (FSEOG)
Federal Stafford Loans	Federal Work Study (FWS)
Federal PLUS Loans	Federal Perkins Loans
Federal Consolidation Loans

GRANTS are financial aid students don't have to pay back.

WORK-STUDY lets the student work and earn money to help pay for school.

LOANS are borrowed money that students must repay with interest.

FEDERAL PELL GRANT is an award to help undergraduates pay for their education. Eligibility is determined by a standard formula which produces an Expected Family Contribution (EFC). How much the student will get depends on the EFC, the cost of the education and whether the student is full or part time.

FEDERAL STAFFORD LOAN is a low interest loan made to students attending undergraduate or graduate school at least half-time. Loans are made by a lender such as a bank, credit union or savings and loan association or if the school is participating in the Direct Loan Program, funds come directly to the student from the U. S. Government.

FEDERAL PLUS LOANS are for parents who want to borrow to help pay for their children's education. The child must be a dependent undergraduate student enrolled at least half-time. These loans are made from a bank, credit union or savings and loan association or the funds can come directly from the U. S. government (Direct Loan).

FEDERAL CONSOLIDATION LOANS allow a borrower to combine different types of federal student loans to simplify repayment.

FEDERAL SUPPLEMENTAL EDUCATIONAL OPPORTUNITY GRANT (FSEOG) is for undergraduates with exceptional financial need as determined by the school, that is, students with the lowest Expected Family Contributions, and gives priority to students who receive Federal Pell Grants.

FEDERAL WORK STUDY (FWS) provides jobs for undergraduate and graduate students who need financial aid. It gives the student a chance to earn money to pay for educational expenses. The program encourages community service work and work related to the student's course of study.

FEDERAL PERKINS LOAN is a low interest loan to help undergraduate or graduate students with exceptional financial need, as determined by the school. Your school is the lender and the loan is made with government funds. You must repay this loan to your school.

FINANCIAL AID SOURCES

Students interested in grants and loans should contact their College or University's Financial Aid Office. They can also provide you with information and application forms.

Students interested in grants and loans should contact their College or University's Financial Aid Office. They can also provide you with information and application forms.

FINANCIAL AID SOURCES Students interested in grants and loans should contact their College or University's Financial Aid Office. They can also provide you with information and application forms.