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Financial Aid 101
Financial Aid Options

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Financial Aid Options

An education is one of the most important investments that you can make. You can afford the education and the school that you want, if you take advantage of all the financial aid opportunities that are available to you. We'll give you the information you need to get through the financial aid process.

Scholarships and Grants

Scholarships and Grants are examples of "Free Money" that do not need to be repaid. Loans do have to be repaid and work-study programs are set up for students to earn money for their education. Scholarships may be given to students who have demonstrated or shown potential for excellence in a certain area or discipline, such as academics, sports, music, and other areas. Financial need is not always a criterion for receiving scholarships.

Grants are another type of "free money" that do not need to be repaid. You can receive grants from the federal government, state government, your school, or private organizations.

Two useful links concerning different scholarship and grant options are FinAid, providing general information, and FastWEB, allowing you to search thousands of scholarships based on your personal profile of skills and abilities.

School-Sponsored Funding - Work-Study Programs

Work-study programs are government subsidized, need-based on-campus employment opportunities for students. Work-study paychecks supplement your discretionary income. For more information contact your Financial Aid Administrator.

Student Loans

If your total need isn't met by the sources above, there are several types of student loans to consider:

  • Federal Stafford Loans are awarded on the basis of financial need and are regulated by the federal government.

  • Federal PLUS Loans are available to parents of undergraduate students. These are based on credit history and require a credit check.

  • Alternative Loans can fill the gap between what you receive from all financial aid sources and what you really need to cover the cost for your education. Citibank offers the CitiAssist® Loan, a no-fee student loan with a low interest rate, no payments due while you are in school and flexible repayment options afterwards. Apply online now.

  • CitiAssist Loans are available for medical students.

  • Find out more about Special Offers available only from Citibank, including fee reductions and interest rate reductions.

More than likely, your financial aid package will be made up of a combination of scholarships, grants, loans and work-study programs. The mix will differ from school to school and from student to student.

Your home can be your secret educational financing tool. A Citibank Home Equity Line of Credit can be a valuable funding option in addition to your student loans and may also be tax deductible. To find out more, email us at or call us at 1-888-216-2484.

If you have any further questions, our Financing Your Education FAQ should be able to help.

Sponsored by Citibank


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