Service Tree

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.

Educational Benefits

Social insurance programs whose benefits include financial assistance for the education of the covered individual and his or her eligible dependents.

Educational Grants

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.

Education Related Fee Payment Assistance

Programs that provide financial assistance to help individuals pay for educational placement tests, college/university entrance examinations, test preparation instruction, second language learning expenses or other education-related fees in situations where the person is unable to make the payment without support.

Scholarships

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.

Stipends for Student Living Expenses

Programs that provide financial assistance that helps to pay the living costs of students at all levels while in school. Stipends generally cover housing, utilities, transportation, food and other living expenses; and may be reserved for students who meet specific requirements, e.g., students who receive no financial support from their parents or are essentially homeless.

Student Loan Forgiveness/Repayment Programs

Programs that offer alternative arrangements for repayment of student loans under specified circumstances when borrowers are having trouble making their regular payments. Included are deferment programs which allow the individual to postpone repayment of the loan for an agreed period of time, generally with no interest accrual; forbearance arrangements which involve temporary postponement of payment on the principle but continued payment of the interest or capitalization of the interest (folding it into the principle); loan repayment programs under which the individual’s employer (often the military or federal employer) or another organization makes loan payments on behalf of the individual up to a specified limit; and loan forgiveness programs which involve cancellation of all or a portion of the loan amount in exchange for military service, volunteer work, teaching in schools that serve low-income families, work in a public interest law firm or meeting other criteria specified by the forgiveness program. Borrowers can also make other arrangements with the lender including more affordable payment plans and loan consolidation.

Student Loans

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).

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