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Scholarships, grants, loans, and Federal Work Study are all considered financial aid. Since loans must be repaid and Federal Work-Study must be earned, they are sometimes referred to as “self-help.” Scholarships and grants are sometimes referred to as “gift aid” or “free money” because they do not have to be earned or repaid.
Typically, applicants are offered a financial aid package consisting of a combination of awards from various types of aid programs.