The Service Tree lists all services in "branched" groups, starting with the very general and moving to the very specific. Click on the name of any group name to see the sub-groups available within it. Click on a service code to see its details and the providers who offer that service.
Student Financial Aid
Programs that enable students who can demonstrate financial need to obtain cash awards (which do not need to be repaid) to help support the cost of their education. Included are Pell Grants and Supplemental Education Opportunity Grants which are funded by the state, and Grants-in-Aid (GIAs) which are usually made available by the educational institution.
Programs that provide or assist students to apply for awards which usually involve money and/or reduced tuition. Included are both needs-based scholarships which are awarded to outstanding students who are in financial need and honorary scholarships which are awarded on the basis of merit alone and normally carry a nominal monetary award. Scholarship funds come from many sources including private endowments, alumni contributions, college or university funds, individual departments or outside organizations.
Programs that provide loan funds to meet the financial needs of students for whom grants and other forms of aid are inadequate or unavailable. Student loans are available at attractive interest rates (usually three to nine percent) and repayment is not required until after the student has completed school. Most student loans are federal Stafford Loans which have two variations: federally guaranteed Federal Family Education Loans (FFEL) that can be obtained from banks, savings and loan associations, credit unions or other financial institutions; and loans from the Federal Direct Student Loan Program (FDSLP) which are provided to students and their parents directly by the federal government. Stafford Loans may be subsidized (the government pays the interest while the student is in school) or unsubsidized (the student must pay the interest either while in school or following graduation, if deferred). Other options include PLUS loans (federal loans to parents of dependent undergraduate students), state government loans, loans from the educational institution or private donors, and loans that are designated for students who are pursuing specific courses of study (e.g., nursing, medicine, law).