Financial Aid for Texas Students



The Basics

1. Students get financial aid from different places. You can apply for assistance from the federal or state government, local banks or credit unions, civic or church groups, your or your parents’ employer or union, and the college or university itself.

2. The middle of your junior year in high school is the best time to start asking about financial aid. Your best source of information (including application deadlines) is the financial aid officer at the college or university you want to attend.

3. When you ask for catalogues from colleges and universities, also ask for financial aid applications and related instructions. Apply even if you think you won’t qualify. Be sure to meet due dates and complete all forms carefully. College and university funds are limited, and you can lose your chance to get some types of aid if you apply late.

Types of Student Aid

1. Grants & Scholarships: gifts of money that do not have to be paid back. Scholarships are usually awarded based on grades or some special talent; grants are awarded based on financial need.

2. Loans: borrowed funds that usually must be paid back with interest.

3. Forgiveness Loans: borrowed funds that usually must be repaid by performing some type of service.

4. Work-Study: part-time jobs provided by colleges and universities so students can work and earn money.

5. Tuition/Fee Exemptions: programs that decrease the tuition and/or fee charges for eligible students attending public colleges or universities.

6. Loan Repayment Programs: programs that make payments against outstanding student loans in repayment for services provided by the borrower.

7. Waivers: programs that allow some non-resident students to attend Texas public colleges or universities and pay the lower resident tuition rate

Students who receive financial aid are offered an “aid package” by a college or university. The package often includes more than one type of aid. The total amount of aid in your package depends on your financial need. Most federal and state aid is awarded based on financial need rather than academic merit (grades). Your financial need is determined by the information you report on your Free Application for Federal Student Aid (FAFSA).

Applying for Financial Aid

All colleges and universities will ask you to file a FAFSA if you are applying for financial aid.

You must complete a FAFSA, either on paper or on the Web, to apply for state and federal aid. The information contained in this application is used to calculate your need for financial aid. High school counselors and college and university financial aid offices have copies of the paper application. The Web version is located at fafsa.. Follow the instructions on the form or Web site to submit your completed form.

If you want to apply for aid for a fall term, complete and submit your FAFSA as soon as possible after you and your family complete your federal income tax form for the prior year, or by the college’s or university’s financial aid deadline -- whichever comes first.

Upon receiving your completed FAFSA, the processor will review it and calculate your Expected Family Contribution (EFC) -- the amount you and your family will be expected to pay toward college costs. The calculation takes a lot of different things into consideration -- your parents’ income, your earnings, your family’s assets, the size of your family, and the number of people attending college at the same time. It also takes into account family expenses. These include income taxes paid, housing, clothing and food costs, and your parents’ need to save for retirement.

Within four to six weeks of submitting your FAFSA (two to four weeks if you complete the FAFSA on the Web), you will receive a Student Aid Report (SAR). Read the report carefully. If corrections are needed, follow directions for making them. The SAR will indicate your family contribution and report if you are eligible for a federal Pell Grant. If you are not eligible for a Pell Grant, don’t worry! You might still qualify for other types of aid. The Pell Grant is targeted towards the students with the greatest financial need. Many students who do not get the Pell Grant receive other types of awards.

Calculating Financial Need

Most state and federal aid only goes to students with financial need, and need equals:

Cost of Attendance

-Expected Family Contribution

Need

The Cost of Attendance includes tuition and fees, books and supplies, and living expenses. Your financial need is the “gap” between this cost figure and the EFC the processor calculates your family can provide.

Each financial aid program has its own set of eligibility requirements. The information you give the aid office through your FAFSA and other forms they ask you to submit (if required) allows the aid office to determine which programs you can qualify for.

After the aid office has the information from your SAR, it can calculate your need and decide which awards to offer you. (You do not have to apply separately for each program.) After these decisions are made, the aid office sends you an award letter, listing your aid package. This letter is usually sent out by early summer.

Facts About Loans

If you intend to borrow from a federal student loan program to help pay for your education, ask your college or university financial aid officer about the application process at their particular institution. The college can also help you find a lender -- an organization able to loan the funds to you.

The least expensive educational loans are those targeted to financially needy students. These loans --Subsidized Federal Stafford Loans and Perkins Loans -- require no interest or repayment while the borrower is enrolled on at least a half-time basis.

Specialized, need-based loans are also available to students in medical and allied health professions. Interest does accumulate while the student is in school; but no repayment is required until the student drops below half-time enrollment.

Students who do not qualify for need-based aid also might be eligible to borrow money through the Unsubsidized Federal Stafford Loan Program or the College Access Loan (CAL) Program.

Parents may also borrow through the federal PLUS Loan Program and a variety of supplemental educational loan programs that your college financial aid office can tell you about.

Forgiveness loan programs provide money to students who sign contracts or agreements to perform certain work or services after completing college. If the student completes the services as agreed, no repayment is required. If the student fails to perform the service, the money received as a forgiveness loan has to be repaid with interest. Forgiveness loans are available to outstanding rural scholars, students in educator certification programs, and child-care workers seeking advanced credentials. All three programs require the student to work for one or more years in the profession for which the loan paid for education.

Things to Remember

1. The amount of financial aid you qualify for is based on your financial need. Your EFC will remain the same from one college or university to another; your need may increase or decrease depending upon the costs of the college or university.

2. Colleges and universities handle “outside scholarships” (scholarships you bring with you to the school) differently. The college or university may reduce the amount of institutional grant aid you receive to reflect the amount of the outside scholarship.

3. You must apply for aid each year. Your family’s federal income tax return should be completed early, allowing you to complete your FAFSA accurately and on time. Using estimated information on the FAFSA will mean you will have to make corrections later.

4. Each college and university sets its own deadlines for applying for financial aid. Contact all colleges in which you are interested to learn about financial aid deadlines.

5. This is the most important investment you can make in your future. Take time to learn about your options before you make any decisions. Financial aid officers can help you find ways to pay for your education.

To Learn More About Financial Aid...

Your best source of information is the financial aid office at the college you wish to attend. A list of Texas non-profit colleges and universities, with contact information for their financial aid offices, can be requested by calling 800-242-3062, ext. 6387. You can also use a computer at home, school, or at the public library to find online information about grants, scholarships, and loans -- it’s easy and convenient.

The home pages of many of the Texas colleges and universities can be accessed through the Texas Higher Education Coordinating Board Web site at: .

You can also contact these agencies for additional information:

|Center for Rural Health |U.S. Department of Education |

|Initiatives |Office of Student Financial |

|PO Box 1708 |Assistance |

|Austin TX 78767 |1200 Main Tower |

|512-479-8891 |Dallas TX 75202 |

| |800-4FED-AID |

| |800-433-3243 |

| | |

|Free Application for Federal |Minnie Stevens Piper Foundation |

|Student Aid |GPM South Tower |

|800-433-3243 |Suite 200 |

|fafsa. |800 NW Loop 410 |

| |San Antonio TX 78216 |

| |210-525-8494 |

| |window.state.tx.us/ |

| |scholars/mspmain.html |

|Texas Guaranteed Student Loan |Texas Health Service Corps |

|Corp. |TDH-Center for Rural Health |

|PO Box 201725 |Initiatives |

|Austin TX 78720-1725 |PO Box 1708 |

|800-252-9743 |Austin TX 78767 |

| |512-479-8891 |

| |crhi.state.tx.us |

|United Student Aid Funds | |

|PO Box 5826 | |

|Indianapolis IN 46250 | |

Tuition and Fee Exemptions (Free Tuition and/or Fees)

Exemptions are programs that allow public colleges and universities to lower tuition and/or fees for eligible students.

Texas has exemption programs for some students who:

|Were in foster care |Are blind |

|Were adopted |Are deaf |

|Were valedictorians |Were early high school |

| |graduates |

Texas also has programs for the children of:

|Disabled or deceased peace |Parents receiving TANF benefits |

|officers |for the student when he/she was a |

| |high school senior |

|POWs or MIAs |Deceased veterans |

Texas has a new program for the surviving spouse and/or dependent children of:

▪ Certain deceased public servants

For more information, call 800-242-3062, ext. 6387 to request a fact sheet on a particular exemption program or to request a full list of exemptions, including statutes. General information is also available online at , or you can email the Coordinating Board at: grantinfo@thecb.state.tx.us

Loan Repayment/Forgiveness Programs

Texas has loan repayment programs for persons employed in certain fields. These programs are:

▪ Physician Education Loan Repayment Program

▪ Early Childhood Care Provider Student Loan Repayment Program

▪ Border County Doctoral Faculty Education Loan Repayment

▪ Texas Rural Physician Assistant Loan Repayment Program

▪ Dental Education Loan Repayment Program, and the

▪ Professional Nursing Student Loan Repayment Program.

Additional programs that have not yet been funded are being developed for teachers, attorneys working for the Texas Attorney General’s Office, attorneys working for non-profit organizations, and persons in alternative teacher certification programs.

For more information, contact the Texas Higher Education Coordinating Board at 800-242-3062 or visit the Web site at:



Useful Web Sites

Adventures in Education 



... information on applying for financial aid, managing your money, and repaying your student loans

The CollegeBoard –

...the CollegeBoard homepage, including an online financial aid calculator, information on scholarships, and the SAT

FastWEB –

...a highly popular, customized financial aid search engine with more than 300 references

Financial Aid Information Page --

...lists a variety of grants, scholarships, and consumer information

National Association of Student Financial Aid Administrators –

...financial aid tips for students, parents, and counselors

Peterson’s Education & Career Center –

...scholarship search and other resources

Student Loan Marketing Association –

...financial aid tips for students, parents, and counselors

Texas Tomorrow Fund –

...provides information on the Texas prepaid higher education tuition and fee program

Texas Workforce Commission – twc.state.tx.us

...provides information on educational and job training opportunities

Financial Aid for

Texas Students

2002-2003

[pic]

Programs listed are subject to change after 09/01/2003.

TEXAS NON-PROFIT COLLEGES AND UNIVERSITIES

|Institution |Financial Aid Office |

| | |

|Abilene Christian University |915-674-2643 |

|Alvin Community College |281-388-4630 |

|Amarillo College |806-371-5311 |

|Amberton University |972-279-6511, x 32 |

|Angelina College |409-633-5291 |

|Angelo State University |915-942-2210 |

|Austin College |903-813-2314 |

|Austin Community College |512-223-7550 |

|Baylor College of Medicine |713-798-3379 |

|Baylor University |254-710-2611 |

|Blinn College |979-830-4144 |

|Brazosport College |979-230-3441 |

|Brookhaven College |972-860-4111 |

|Cedar Valley College |972-860-8269 |

|Central Texas College |254-526-1559 |

|Cisco Junior College |254-442-2567 |

|Clarendon College |806-874-3571 |

|Coastal Bend College |361-358-2838 |

|College of St. Thomas More |817-923-8459 |

|College of the Mainland |409-938-1211, x 246 |

|Collin County Comm. College |972-881-5761 |

|Concordia University |512-452-7662 |

|Dallas Baptist University |214-333-5460 |

|Dallas County Comm. College |972-860-7715 |

|Del Mar College |361-698-1295 |

|East Texas Baptist University |903-935-7963, x 214 |

|Eastfield College |972-860-7032 |

|El Centro College |214-860-2097 |

|El Paso Community College |915-831-2561 |

|Frank Phillips College |806-274-5311, x 18 |

|Galveston College |409-763-6551, x 238 |

|Grayson County College |903-463-8783 |

|Hardin-Simmons University |915-670-1331 |

|Hill College |254-582-2555, x 204 |

|Houston Baptist University |281-649-3276 |

|Houston Community College |713-718-8546 |

|Howard County Jr. College |915-264-5087 |

|Howard Payne University |915-649-8015 |

|Huston-Tillotson University |512-505-3027 |

|Jacksonville College |903-589-2808 |

|Jarvis Christian College |903-769-5740 |

|Kilgore College |903-983-8210 |

|Kingwood College |281-312-1606 |

|Lamar Institute of Technology |409-880-2137 |

| | |

| | |

|Lamar State College-Orange |409-882-3362 |

|Lamar State College-Port |409-984-6200 |

|Arthur | |

|Lamar University |409-880-2302 |

|Laredo Community College |956-721-5357 |

|Lee College |281-425-6388 |

|LeTourneau University |903-233-3430 |

|Lon Morris College |903-589-4000 |

|Lubbock Christian University |806-796-8800, x 267 |

|McLennan Comm. College |254-299-8608 |

|McMurry University |915-793-4713 |

|Midland College |915-685-4507 |

|Midwestern State University |940-397-4214 |

|Montgomery College |409-273-7247 |

|Mountain View College |214-860-8565 |

|Navarro College |903-875-7361 |

|North Central Texas Com. |940-668-4242 |

|Colege | |

|North Harris-Montgomery |281-260-3107 |

|Com. College | |

|North Lake College |972-273-3326 |

|Northeast Texas Com. |903-572-1911 |

|College | |

|Northwest Vista College |210-348-2100 |

|Odessa College |915-335-6429 |

|Our Lady of the Lake |210-434-6711, x 319 |

|University | |

|Palo Alto College |210-921-5320 |

|Panola College |903-693-1121 |

|Paris Junior College |903-782-0429 |

|Parker College of Chiropractic |214-902-2424 |

|Paul Quinn College |214-306-3696 |

|Prairie View A&M University |936-857-2422 |

|Ranger College |254-647-3234, x 7 |

|Rice University |713-527-4958 |

|Richland College |972-238-6188 |

|Sam Houston State University |409-294-3607 |

|San Antonio College |210-733-2979 |

|San Jacinto Com. Col.-South |281-922-3428 |

|San Jacinto Com. Col.-District |281-998-6342 |

|San Jacinto Com. Col.- |281-476-1856 |

|Central | |

|San Jacinto Com. Col.-North |281-459-7121, x 7 |

|Schreiner University |830-896-8411 |

|South Plains College |806-894-9611, x 2410 |

|South Texas College of Law |713-646-1820 |

|South Texas Com. College |956-631-4922 |

|Institution |Financial Aid Office |

| | |

|Southern Methodist University |214-768-2397 |

|Southwest Texas State Univ. |512-245-8011 |

|Southwestern Adventist |817-645-3921 |

|College | |

|SW Assemblies of God Univ. |972-937-4010 |

|Southwestern Christian |972-524-3341, x 126 |

|College | |

|Southwestern University |512-863-1267 |

|St. Edward’s University |512-448-8525 |

|St. Mary’s University |210-436-3141 |

|St. Philip’s College |210-531-3272 |

|Stephen F. Austin State Univ. |936-468-2230 |

|Sul Ross State University |915-837-8055 |

|Tarleton State University |254-968-9070 |

|Tarleton Univ. System Center |254-526-8262, x 242 |

|Tarrant County College |817-515-5353 |

|District | |

|Tarrant County College-NE |817-515-6228 |

|Tarrant County College—NW |817-515-7711 |

|Tarrant County College-SO |817-515-4563 |

|Tarrant County College—SE |817-515-3040 |

|Temple College |254-298-8321 |

|Texarkana College |903-838-4541, x 214 |

|Texas A&M International |956-326-2250 |

|University | |

|Texas A&M University |409-845-7513 |

|Texas A&M Univ.-Galveston |409-740-4417 |

|Texas A&M Univ. HSC |214-828-8236 |

|Texas A&M Univ.-Commerce |903-886-5091 |

|Texas A&M Univ.-Corpus |512-825-2417 |

|Christi | |

|Texas A&M University- |512-593-2175 |

|Kingsville | |

|Texas A&M Univ.-Texarkana |903-838-6514, x 221 |

|Texas Chiropractic College |281-998-6020 |

|Texas Christian University |817-921-7858 |

|Texas College |903-593-8311, x 219 |

|Texas Lutheran College |830-372-8076 |

|Texas Southern University |713-313-4383 |

|Texas Southmost College |956-544-8265 |

|Texas Tech University |806-742-3681 |

|Texas Tech Univ. HSC |806-743-3025 |

|Texas Wesleyan University |817-531-4439 |

|Texas Woman’s University |940-898-3051 |

|Tomball College |281-351-3334 |

|Institution |Financial Aid Office |

| | |

|Trinity Valley Com. College |903-675-6279 |

|Trinity University |210-999-8315 |

|TSTC-Harlingen |956-425-0673 |

|TSTC-Sweetwater |915-235-7315 |

|TSTC-Waco |254-867-3620 |

|Tyler Junior College |903-510-2385 |

|University of Dallas |972-721-5266 |

|University of Houston |713-743-9091 |

|Univ. of Houston-Clear Lake |281-283-2546 |

|Univ. of Houston-Downtown |713-221-8162 |

|Univ. of Houston-Victoria |361-570-4131 |

|Univ. of Mary Hardin-Baylor |254-295-4518 |

|University of North Texas |940-565-3901 |

|Univ. of North Texas-HSC |817-735-2522 |

|University of St. Thomas |713-522-7911, x 349 |

|University of Texas-Arlington |817-272-3568 |

|University of Texas-Austin |512-475-6203 |

|University of Texas- |956-544-8265 |

|Brownsville | |

|University of Texas-Dallas |972-883-4021 |

|University of Texas-El Paso |915-747-5204 |

|University of Texas-San |210-458-4635 |

|Antonio | |

|University of Texas-Tyler |903-566-7180 |

|UTHSC-Houston |713-500-3871 |

|UTHSC-San Antonio |210-567-2640 |

|UT Medical Branch-Galveston |409-772-4952 |

|Univ. of Texas-Permian Basin |915-552-2625 |

|UT Southwestern Medical |214-648-3611 |

|Univ. of Texas-Pan American |956-381-3654 |

|University of the Incarnate |210-829-6008 |

|Word | |

|Vernon College |940-552-6291 |

|Victoria College, The |512-572-6410 |

|Wayland Baptist University |806-296-4713 |

|Weatherford College |817-598-6284 |

|West Texas A&M University |806-651-2055 |

|Western Texas College |915-573-8511, x 309 |

|Wharton County College |409-532-4560, x 6437 |

|Wiley College |903-927-3217 |

A complete list of Texas non-profit colleges and universities, with the addresses and emails for their financial aid offices, can be requested by calling 800-242-3062, ext. 6387.

| | | | | | | |

| |Program |Who is Eligible |Maximum Award |Number of Awards |Basis of Selection |How to Apply |

|Grants| | | | | | |

|& |Byrd Scholarship |High school seniors and persons completing GED training. |$1,500 |1,987 |Entrance exam scores and class rank and |High school senior counselors and GED trainers recommend up to three of |

|Schola| |Scholarship is based on GPA, rank in class, or GED | | |GED scores |their top students. Selection is then made at the state level by the |

|rships| |equivalents, and scores on college entrance exams. | | | |Coordinating Board. Applications are due to the Board on March 15. |

| | | | | | | |

| |Early High School Graduation Scholarship |Texas residents who attended public high school only in Texas |$1,000 |3,923 |Completion of grades 9-12 in no more than |High school counselor sends Texas Higher Education Coordinating Board a |

| | |and completed grades 9-12 in no more than 36 consecutive | | |36 consecutive months |letter, certifying student eligibility. Coordinating Board notifies |

| | |months. | | | |college. For a copy of the required certification letter, call |

| | | | | | |800-242-3062, ext. 6387 and request an EHS packet. |

| | | | | | |All of these programs are awarded through the financial aid office of the |

| |Federal Pell Grant |U.S. citizens or permanent residents enrolled as college |$3,300 |238,016 |Financial need |college or university the student attends. To apply, students must |

| | |undergraduates or vocational students at public or independent| | | |complete the FAFSA and show financial need. |

| | |colleges and universities. | | | | |

| | | | | | |Based on each student’s need, the financial aid office matches the students|

| | | | | | |to the program requirements and assembles a “package,” or combination of |

| | | | | | |awards, which it then offers to students through an award letter. Award |

| | | | | | |letters are usually mailed to students in late spring or early summer. |

| | | | | | | |

| | | | | | |To be considered for the greatest number of awards, the student must have |

| | | | | | |submitted all documents required by the aid office by its priority |

| | | | | | |deadline. This deadline varies among colleges and universities, and |

| | | | | | |students should check with their particular college about (1) the deadline |

| | | | | | |and (2) the documents it requires. |

| | | | | | | |

| |Federal SEOG (Supplemental Educational Opportunity |U.S. citizens or permanent residents enrolled as |$4,100 |50,811 |Financial need | |

| |Grant) |undergraduates or vocational students at public or independent| | | | |

| | |colleges and universities. | | | | |

| | | | | | | |

| |Fifth Year Accounting Student Scholarship |Texas residents and non-residents who have completed 120 |$3,000 |375 |Financial need, scholastic ability, and | |

| | |semester credit hours, including 15 hours of accounting, and | | |performance | |

| | |who plan to sit for the CPA exam in the state of Texas. | | | | |

| | | | | | | |

| |License Plate Insignia Scholarship |Texas residents with financial need. |Varies by type of |285 |Financial need | |

| | | |institution | | | |

| | | | | | | |

| |PSIG-LEAP (Public Student Incentive Grant-Leveraging|Texas residents with financial need who are enrolled at public|$2,500 |837 |Financial need | |

| |Educational Assistance Partnership) |colleges and universities in Texas. | | | | |

| | | | | | | |

| |TEG-LEAP (Tuition Equalization Grant-Leveraging |Texas residents and National Merit Scholarship finalists |$3,572 TEG |1,855 |Financial need | |

| |Educational Assistance Partnership) |enrolled as undergraduate or graduate students at independent |$1,250 LEAP | | | |

| | |colleges and universities in Texas. | | | | |

| | | | | | | |

| |Program |Who is Eligible |Maximum Award |Number of Awards |Basis of Selection |How to Apply |

|Grants| | | | | |All of these programs are awarded through the financial aid office of the |

|& |TEXAS Grant (Towards EXcellence, Access, and Success|Texas residents with financial need who completed the |Varies by type of |18,162 |Financial need and high school curriculum |college or university the student attends. To apply, students must |

|Schola|Grant) for Recent High School Graduates |Recommended or Distinguished Achievement High School Program |institution | | |complete the FAFSA and show financial need. |

|rships| |and graduated from high school after December 1998, and who | | | | |

| | |enroll in a Texas college or university as a freshman within | | | |Based on each student’s need, the financial aid office matches the students|

| | |16 months of high school graduation. | | | |to the program requirements and assembles a “package,” or combination of |

| | | | | | |awards, which it then offers to students through an award letter. Award |

| | | | | | |letters are usually mailed to students in late spring or early summer. |

| | | | | | | |

| | | | | | |To be considered for the greatest number of awards, the student must have |

| | | | | | |submitted all documents required by the aid office by its priority |

| | | | | | |deadline. This deadline varies among colleges and universities, and |

| | | | | | |students should check with their particular college about (1) the deadline |

| | | | | | |and (2) the documents it requires. |

| | | | | | | |

| |TEXAS Grant (Towards EXcellence, Access, and Success|Texas residents with financial need who earned an Associate’s |Varies by type of |New program in |Financial need and Associate’s Degree | |

| |Grant) for Students who Earned an Associate’s Degree|Degree in May 2001 or later and who enroll in a Texas college |institution |2001-2002 | | |

| |in May 2001 or Later |or university to pursue a higher degree or certificate within | | | | |

| | |12 months of receiving the Associate’s Degree. | | | | |

| | | | | | | |

| |TEXAS Grant (Towards EXcellence, Access, and Success|Texas residents with financial need who are enrolled at Texas |Varies by type of |New program in |Financial need | |

| |Grant) II |public 2-year colleges and are not eligible for the |institution |2001-2002 | | |

| | |traditional TEXAS Grant. This program is NOT transferable to | | | | |

| | |a university. | | | | |

| | | | | | | |

| |TPEG (Texas Public Education Grant) |Texas residents, nonresidents, and foreign students enrolled |Financial need |2,930 |Financial need | |

| | |at public colleges or universities in Texas. | | | | |

| | | | | | | |

| |Professional Nursing Scholarships |Texas residents enrolled as undergraduates or graduates at |$2,500 or $3,000 |256 |Financial need and academic performance | |

| | |public or independent colleges or universities in Texas in | | | | |

| | |degree programs leading to a bachelor’s degree or graduate | | | | |

| | |degree in professional nursing. | | | | |

| | | | | | | |

| |Vocational Nursing Scholarship |Texas residents enrolled as college undergraduates at public |$1,500 |88 |Financial need and academic performance | |

| | |or independent colleges in Texas in degree programs leading to| | | | |

| | |licensure as a Licensed Vocational Nurse. | | | | |

|Loans | | | | | |

| |Federal Family Education Loan or Direct Loan: |U.S. citizens or permanent residents enrolled at eligible |Maximum Award |Financial need |Apply at college or university financial aid office or through a private |

| |Subsidized Stafford Loan |colleges or universities. | | |lender (bank or credit union). |

| | | | | | |

| | | |Varies based on year in school: $2,625 - $8,500| | |

| | | |per year (interest capped at 8.25 %) | | |

| | | | | | |

| |Program |Who is Eligible |Maximum Award |Basis of Selection |How to Apply |

|Loans | | | | | |

| |Federal Family Education Loans or Direct Loans: |U.S. citizens or permanent residents enrolled at eligible |Varies based on year in school: $2,625 - |Financial need |Apply at college or university financial aid office or through a private |

| |Unsubsidized Stafford Loan |colleges or universities. |$18,500 per year (interest capped at 8.25 %) | |lender (bank or credit union). |

| | | | | | |

| | | | | |Apply at the financial aid office of the college or university of your |

| |Federal Perkins Loans |U.S. citizens or permanent residents enrolled at eligible |Up to $3,000 (variable interest rate) |Financial need |choice or through a participating private lender (bank or credit union). |

| | |colleges. | | | |

| | | | | | |

| |Federal PLUS Loans |U.S. citizens or permanent residents enrolled at eligible |Varies based on need (variable interest rate) |Financial need | |

| | |colleges | | | |

| | | | | | |

| |HHCSLP-HELP (Hinson-Hazlewood College Student Loan |Students in medical or allied health professions (including |Varies based on program of study: $7,500 - |Financial need | |

| |Program-Health Education Loans Program) |veterinary medicine) eligible to pay Texas resident tuition |$20,000 per year (interest rate currently 8.00 | | |

| | |rates enrolled as undergraduates or graduates at public or |%, rates are subject to change) | | |

| | |independent colleges or universities in Texas. | | | |

| | | | | | |

| |HHCSLP-CAL (Hinson-Hazlewood College Student Loan |Students eligible to pay Texas resident tuition rates enrolled|Up to $7,500 per year (interest rate currently |Financial need | |

| |Program-College Access Loan) |as undergraduates or graduates at public or independent |9.00 %, rates are subject to change) | | |

| | |colleges or universities in Texas. | | | |

| | | | | | |

| |Health Professions Loans |U.S. citizens or permanent residents enrolled in dentistry, |Up to $2,500 per year plus tuition (variable |Exceptional financial need | |

| | |optometry, pharmacy, podiatry, or veterinary medicine. |interest rate) | | |

| | | | | | |

| |Nursing Student Loans |U.S. citizens or permanent residents enrolled in programs |Varies by year: $2,500 - $4,000 |Financial need |Contact the Texas Higher Education Coordinating Board for application |

| | |leading to a diploma, associate’s degree, bachelor’s degree, | | |information: 800/242-3062, ext. 6387 or grantinfo@thecb.state.tx.us |

| | |or graduate degree in nursing. | | | |

|Loan | | | | | |

|Forgiv|Outstanding Rural Scholar Forgiveness Loan Program |Texas residents enrolled in or intending to enroll in an |Forgiveness loan covers the cost of tuition and |Applications are scored and ranked by an |Contact: |

|eness | |eligible institution to become a health care professional who |fees, books and supplies, and living expenses as|advisory committee on the basis of |Center for Rural Health Initiatives |

|Progra| |are sponsored by a rural community that is committed to |determined by the college financial aid office. |academic achievement, standardized tests, |PO Box 1708 |

|ms | |providing financial support. Must either be (1) high school |Half of the forgiveness loan is provided by the |essays, results of interview with sponsor,|Austin TX 78767 |

| | |student in upper 25 % of class, in class of 48 or more |sponsoring community; half is provided by the |community statement of need, and |512-479-8891 |

| | |students, or have a cumulative Grade Point Average (GPA) of |State of Texas. |commitment of financial support from the |crhis.state.tx.us |

| | |3.0 on a 4.0 scale; (2) a college student with a cumulative | |sponsor. Selected student must commit to | |

| | |GPA of 3.0 on a 4.0 scale; or (3) an individual who has a high| |work for one year in the sponsoring | |

| | |school degree or equivalent and demonstrates to the | |community for each year of support that is| |

| | |satisfaction of the sponsoring rural community the motivation,| |received. | |

| | |qualities, and abilities that lead to success in the chosen | | | |

| | |health care profession. | | | |

| | | | | | |

| |Program |Who is Eligible |Maximum Award |Basis of Selection |How to Apply |

|Loan | | | | | |

|Forgiv|Teach for Texas Conditional Grant |Juniors and seniors enrolled at least three-quarter time in |The maximum amount that may be awarded in a |Academic standing, financial need, and |Contact: |

|eness | |educator certification programs at approved institutions. See |lifetime of a recipient is currently $10,752. |recommendation from the Dean/Chair of the |The Texas Higher Education Coordinating Board |

|Progra| |cfbin/tofa2.cfm?ID=43 for additional |Annual awards canl range from $3,584 to $10,752|education department. |512-427-6340 |

|ms | |requirements. |based upon the applicant's anticipated program | |800-242-3062 |

| | | |completion date as well as previous awards. | | |

| | |Recipients must commit to becoming full-time “certified” |This is a “conditional” grant that will revert | |See also: |

| | |teachers for five years in a Texas public school in either an |to a student loan if certain conditions are not| |cfbin/tofa2.cfm?ID=43 |

| | |approved shortage field or a community that has been designated|met as stated in the required promissory note. | | |

| | |as having a critical shortage of teachers. | | | |

|Work-S| | | | |Apply at college or university financial aid office. |

|tudy |Federal College Work-Study Program |U.S. citizens or permanent residents enrolled as undergraduates|Varies based on need |Financial need | |

| | |or graduates at public or independent colleges or universities | | | |

| | |in Texas. | | | |

| | | | | | |

| |Texas College Work-Study Program |Texas residents enrolled as undergraduate or graduate students |Varies based on need |Financial need | |

| | |at public or independent colleges or universities in Texas. | | | |

|Exempt| | | | | |

|ions |Exemption Programs for Certain Students at Public |Veterans or their dependents, valedictorians, blind or deaf |Varies by category. Some exemptions cover |Varies by category |Contact: The registrar or business office at the Texas public college or |

| |Colleges and Universities |students, children of disabled firemen and peace officers, |tuition only, some cover tuition and fees (or | |university you plan to attend. A complete listing of exemption programs |

| | |surviving spouse and dependent children of certain public |other costs). Some have time limits. | |can be obtained from the Texas Higher Education Coordinating Board at: |

| | |servants, children of POWs/MIAs, disabled peace officers, fire | | |512-427-6387 or 800-242-3062, ext. 6387. You can also request a copy by |

| | |fighters enrolled in fire science courses, foster care/adopted | | |email: grantinfo@thecb.state.tx.us. |

| | |students, senior citizens, children of parents who received | | | |

| | |TANF (Temporary Assistance to Needy Families) benefits, Texas | | | |

| | |National Guardsmen or Texas State Guardsmen, and educational | | | |

| | |aides. | | | |

|Other | | | | | |

|Progra|Community Scholarship Program (for primary health |Health care students who plan on returning to their rural, |Varies |Willing to practice in a rural, designated|Contact: |

|ms |care providers) |designated Health Professional Shortage Area communities to | |Health Professional Shortage Area |Center for Rural Health Initiatives |

| | |practice. | |community for a specified period of time |PO Box 1708 |

| | | | | |Austin TX 78767 |

| | | | | |512-479-8891 |

| | | | | |crhis.state.tx.us |

| | | | | | |

| |Program |Who is Eligible |Maximum Award |Basis of Selection |How to Apply |

|Other | | | | | |

|Progra|Hazlewood Act (Exemption Program for Texas Veterans)|Texas veterans who served at least 180 days of active duty |Tuition and fees |Must have been a Texas resident at the |Contact the registrar’s office at the Texas public college or university |

|ms | |beyond their training period, were honorably discharged or | |time of entry into service. |you are/will be attending. |

| | |separated (or have a general discharge or separation under | | | |

| | |honorable conditions), are current Texas residents, will | | | |

| | |be/are attending a Texas public college or university, and | | | |

| | |have exhausted their eligibility for federal benefits. | | | |

| | | | | | |

| |Texas Health Service Corps Repayment Program |Primary care residents who agree to at least one year of |Up to $15,000 per year |Priority given to individuals working in |Contact: |

| | |practice in a county that has been designated as a Whole MUS | |areas with the greatest level of need. |Center for Rural Health Initiatives |

| | |(entirely medically underserved area) or HPSA (Health | | |PO Box 1708 |

| | |Professional Shortage Area) for each year they receive a | | |Austin TX 78767 |

| | |stipend. | | |512-479-8891 |

| | | | | |crhis.state.tx.us |

| | | | | | |

| |Texas Health Service Corps Scholarship Program |Available to students in specific primary care areas. Must |Varies |Competitive scholarship. Must agree to |Contact: |

| | |agree to serve in areas with severe health professional | |serve in areas with severe health |Center for Rural Health Initiatives |

| | |shortages. | |professional shortages. |PO Box 1708 |

| | | | | |Austin TX 78767 |

| | | | | |512-479-8891 |

| | | | | |crhis.state.tx.us |

| | | | | | |

| |Texas National Guard Tuition Assistance Program |Available to eligible members of the Texas National Guard or |12 semester credit hours of tuition only |Priority set by the Adjutant General’s |Contact: |

| | |State Guard attending public or independent colleges or | |Office, State of Texas |Education Services Office, Department of the Adjutant General, State of |

| | |universities in Texas. | | |Texas, 512-465-5001 |

| | | | | |education.services@tx.ngb.army.mil |

| | | | | | |

| |Texas Tomorrow Fund |Available to Texas residents. |This is a prepaid tuition program --tomorrow’s |None |Contact: |

| | | |tuition at today’s prices. | |The State Comptroller’s Office, 800-445-GRAD |

| | | | | | |

| | | | | | |

| |Veterans Administration Benefits |Veterans of the U.S. Armed Forces and dependents whose |Varies |Contact sponsor agency |Contact: |

| | |parent(s) was(were) disabled either while on duty or as a | | |Veteran’s Administration, 800-827-1000 |

| | |result of service in the U.S. Armed Forces. | | |or |

| | | | | |American Legion, 512-472-4138, |

|Waiver| | | | | |

|s |Waiver programs for nonresident students attending |Certain U.S. Armed Forces members and family; certain Public |Waiver of nonresident tuition |Varies by category |Contact: The admissions office at the public college or university in |

| |Texas public universities |Health Service Officers and family; certain U.S. Foreign | | |Texas that you plan to attend. A complete listing of waiver programs is |

| | |Service officers; competitive scholarship recipients; | | |available on the website or can be obtained by |

| | |registered nurses enrolled in graduate nursing programs; ROTC | | |contacting the Texas Higher Education Coordinating Board, 800-242-3062, |

| | |students; certain citizens of Mexico; certain students from | | |ext. 6387 or emailing the Coordinating Board at: |

| | |states or counties bordering Texas; and others. | | |grantinfo@thecb.state.tx.us. |

-----------------------

For additional copies, contact:

Student Services Division

Texas Higher Education Coordinating Board

800-242-3062, ext. 6387 or

grantinfo@thecb.state.tx.us

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