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SCHOLAR.4
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CHAPTER 4
BORROW FROM THE STATE OR LOCALLY
For most state programs, like the ones supported by the federal
government, you have to prove that you're so poor you couldn't afford
college without their help. And, as with the federal programs, most
are loans, not scholarships. You have to pay the money back,
eventually.
The most popular program run by the state is the Stafford Student
Loan. Depending on where you live you can pick up an application form
at your bank, savings and loan, or credit union. These loans are for
graduate and professional school students as well as for
undergraduates. They're guaranteed by the state so the bank, or
whatever, is more willing to loan the money to a student with few
assets since if the student doesn't pay the money back the state will.
Then, of course, the state will send someone after the defaulting
student to try to get the money.
These same institutions might have other special loan
applications, such as the Parents' Loan for Undergraduate Students
(PLUS) or the Supplemental Loans for Students (SLS). These loan
programs are for parents who are trying to send their kids to college.
Usually you don't have to prove that you're desperately poor, only
that your money is tied up in other things, such as a house or other
property.
In addition to these loan programs, most states have a publicly
supported assistance program for residents who are attending a college
or university in the state. A very small minority of these programs
are for non-residents going to a state college or university. If you
already have someplace in mind, contact their financial aid office for
the appropriate applications. If you know you want go to a college or
university in the state but aren't sure which one, try getting in
touch with your state agency on the following list. Someone should be
able to give you a good idea of what forms of financial aid are
available.
Quite a few states also have programs to help students who agree
that after they graduate they will spend several years teaching in
unpopular areas. Some of these programs are designed by the state,
others are a part of the federally funded Paul Douglas Teacher
Scholarship Program. If this idea appeals to you, mention it in your
letter to the state agency.
ALABAMA
Alabama Commission on Higher Education
Suite 221
One Court Square
Montgomery, Al. 36197
ALASKA
Commission on Postsecondary Education
P. O. Box FP
400 Willoughby Ave.
Juneau, Ak. 99811
ARIZONA
Commission for Postsecondary Education
Suite 1407
3030 North Central
Phoenix, Az. 85012
ARKANSAS
Department of Higher Education
1220 West Third St.
Little Rock, Ar. 72201
CALIFORNIA
Student Aid Commission
P. O. Box 945621
Sacramento, Ca. 94245
CONNECTICUT
Department of Higher Education
61 Woodland St.
Hartford, Ct. 06015
DISTRICT OF COLUMBIA
Office of Postsecondary Education, Research and Assistance
D.C. Department of Human Services, Suite 600
1331 H St. NW
Washington, D.C. 20005
FLORIDA
Office of Student Financial Assistance
Department of Education
Knott Bldg.
Tallahassee, Fl. 32399
GEORGIA
Georgia Student Finance Authority
Suite 200
2082 East Exchange Place
Tucker, Ga. 30084
IDAHO
Public Affairs Officer, State Board of Education
Len B. Jordan Building, Room 307
650 West State St.
Boise, Id. 83720
INDIANA
State Student Assistance Commission
964 North Pennsylvania St.
Indianapolis, In. 46204
IOWA
Iowa College Aid Commission
201 Jewett Bldg.
Ninth and Grand
Des Moines, Ia. 50309
KENTUCKY
Higher Education Assistance Authority Grants
1050 U.S. 127 South
Frankfort, Ky. 40601
LOUISIANA
Governor's Special Commission on Education Services
P. O. Box 91202
Baton Rouge, La. 70804
MARYLAND
State Scholarship Administration
2100 Guilford Ave.
Baltimore, Md. 21218
MASSACHUSETTS
Board of Regents of Higher Education
General Scholarship Program - Scholarship Office
Room 600
150 Causeway St.
Boston, Ma. 02114
or to find out about the Family Education Loan Program write
Massachusetts Education Loan Authority
711 Atlantic Ave.
Boston, Ma.
MINNESOTA
Higher Education Coordinating Board
400 Capitol Square Bldg.
550 Cedar St.
St. Paul, Mn. 55101
MISSISSIPPI
Board of Trustees of State Institutions of Higher Learning
Student Financial Aid
P. O. Box 2336
Jackson, Ms. 392254
MISSOURI
Coordinating Board for Higher Education
101 Adams St.
Jefferson City, Mo. 65101
NEW HAMPSHIRE
Postsecondary Education Commission
2 1/2 Beacon St.
Concord, N.H. 03301
NEW YORK
New York State Higher Education Services Corporation
99 Washington Ave.
Albany, N. Y. 12255
NORTH CAROLINA
College Foundation
P. O. Box 12100
Raleigh, N.C. 27605
NORTH DAKOTA
Board of Higher Education
Student Financial Assistance Pprogram
State Capitol Bldg., 10th Floor
Bismarck, N.D. 58505
OHIO
Board of Regents
Student Assistance Office
3600 State Office Tower
30 East Broad St.
Columbus, Oh. 43266
OKLAHOMA
Paul Douglas Teacher Scholarship Program
Oklahoma State Regents for Higher Education
500 Education Bldg.
State Capitol Complex
Oklahoma City, Ok. 73105
OREGON
State Scholarship Commission
1445 Willamette St.
Eugene, Or. 97401
PENNSYLVANIA
Higher Education Assistance Agency
Grant Division
660 Boas St.
Harrisburg, Pa. 17102
RHODE ISLAND
Higher Education Assistance Authority
560 Jefferson Blvd.
Warwick, R.I. 02886
SOUTH CAROLINA
Tuition Grants Commission
411 Keenan Bldg.
P. O. Box 12159
Columbia, S.C. 29211
SOUTH DAKOTA
Department of Education and Cultural Affairs
Office of the Secretary
700 Governors Dr.
Pierre, S.D. 57501
TENNESSEE
Student Assistance Corporation
Suite 1950, Parkway Towers
404 James Robertson Parkway
Nashville, Tn. 37219
TEXAS
Higher Education Coordinating Board
Texas College and University System
Box 12788
Capitol Station
Austin, Tx. 78711
VERMONT
Student Assistance Corporation
Champlain Mill
P. O. Box 2000
Winooski, Vt. 05404
VIRGINIA
State Council of Higher Education for Virginia
James Monroe Bldg.
101 North Fourteenth St.
Richmond, Va. 23219
WASHINGTON
Higher Education Coordinating Board
917 Morris Business Park, EW-11
Olympia, Wa. 98504
WEST VIRGINIA
Higher Education Grant Program
P. O. Box 4007
Charleston, W.V. 25364
WISCONSIN
Higher Education Aids Board
P. O. Box 7885
Madison, Wi. 53707
Many states also have programs to help the children of veterans
to afford college. Chapter 9 on this disk has information on these
programs as well as private sources of aid.
Some also have programs to aid members of ethnic minority groups.
Check Chapter 15 for information on both state and private sources of
funding if you're a member of a minority.
There are also some private loan organizations which specialize
in helping students and their families. These are all private
programs so the sponsors want to make a profit. You have to pay
interest, although sometimes not until after the student graduates.
And for most you need to have a good credit rating and employment
history. They want to make sure you can repay the loan.
Collegeaire "PLUS"
P. O. Box 88370
Atlanta, Ga. 30356
The Education Resources Institute
330 Stuart St.
Boston, Ma. 02116
Family Education Financing Operations
Loan Origination Center
P. O. Box 25526
Washington, D.C. 20007
Knight Tuition Payment Plan
855 Boylston St.
Boston, Ma. 02116
Mellon Bank Edu-Check Plan
P. O. Box 8888
Wilmington, De. 19899
Nellie Mae - Excel program or SHARE program
Suite 300
50 Braintree Hill Park
Braintree, Ma. 02184