There are three basic types of financial aid: loans, grants and work-study. Each type has different features and advantages.


In terms of total dollars available, long-term federal loan programs provide the most dollars. Federal loans must be repaid after the grace period and/or deferment periods have expired. Students must generally remain enrolled at least half-time (five credit hours for graduate students). Multiple repayment plans may be available for most federal loans. Selected loan programs include:

  • Federal Direct Loan (unsubsidized)
  • Health Professions Student Loan
  • Loan for Disadvantaged Students
  • Nursing Student Loan
  • Primary Care Loan

Borrowers in the Federal Direct Loan Program are required to complete loan counseling prior to the first disbursement if you have not previously received a Direct Loan, Federal Family Education Loan or Supplemental Loans to Students Loan. To complete entrance counseling for the Federal Direct Loan program, go to

You will also be required to complete exit counseling before you graduate, withdraw or drop below half-time status. To complete exit counseling for the Federal Direct Loan program, go to


Contact individual academic departments for information about grant or scholarship programs.


Work-study is a form of financial aid that pays wages for work performed through employment. Work-study positions are located on campus and in approved off-campus locations. Hourly wages will vary depending on skills and experience. Job listings are posted to the University Career Services website. When interviewing for work-study positions, students should take copies of their financial aid notifications to show prospective employers.