There are some ways around taking out loans. One of them is to seek a college committed to no students loans.

No loan schools ย provide students with financial aid packages that do not include loans. This means that while you may still have a parental contribution, student contribution, and/or work-study plan, any additional need will be covered by grants. Some students at no loan schools will still opt to take out loans so that they can reduce their contributions or work fewer hours, but at the end of the day, choosing a no loan school will significantly reduce your debt.

No Loan Schools for Everyone

The following colleges do not include any loans in their financial aid packages. These schools have made a commitment to replace all loans with grants and work-study programs for all students regardless of family income or state residency.

Amherst College

Bowdoin College

Claremont McKenna College

Colby College

Columbia University

Davidson College

Haverford College

Harvard University

Pomona College

Princeton University

Stanford University

Swarthmore College

University of Pennsylvania

Vanderbilt University

Washington and Leeย 

Yale University

No Loan Schools for Low Income Students

There are also a number of schools that have eliminated loans for low income students. Below, you will find a list of schools who offer no loan aid packages to students whose families earn below a certain income threshold.

Brown Universityย (Commitment to No Loans for Low Income Students)ย โ€“ย Students whose families earn below $100,000 per year

California Institute of Technology (Caltech) โ€“ย US students with family income under $60,000 per year

Connecticut College โ€“ย Students with income under $50,000 or EFC under $5,000 per year

Cornell Universityย (Loan Initiative)ย โ€“ย Students with family incomes under $60,000 per year

Dartmouth Universityย (Tuition Plan)โ€“ย Students with family incomes under $100,000 receive full tuition grants

Duke Universityย (Duke Loan Awards)โ€“ย Students with family incomes under $40,000 per year

Emory University โ€“ย Students with family incomes under $50,000 per year

Kenyon College โ€“ย Available to the 25 students with the greatest financial need

Lafayette Collegeย (Loan Announcement)ย โ€“ย Students from families earning less than $50,000 per year

Lehigh Universityย (Lehigh Aid)ย โ€“ย Students from families with incomes less than $50,000 per year

Massachusetts Institute of Technology โ€“ย Students with family incomes under $75,000 per year. However, MIT has a pretty high self-help expectation (work-study and outside scholarships) of $6,000 which has required some students to take out loans to cover some or all of this amount.

Northwestern University โ€“ย Students with the greatest financial need. Majority will have incomes under $55,000. Students are required to be eligible for the Pell Grant and have need greater than 80% of the cost of attendance.

Oberlin College โ€“ย Students who are eligible for the Pell Grant

Rice University โ€“ย Students who have family incomes under $80,000

Tufts University โ€“ย Students whose families earn under $40,000

University of Chicagoย (Odyssey Scholarship)ย โ€“ย Students whose families earn under $60,000 in income.

University of North Carolina at Chapel Hill โ€“ย Students whose families earn up to 200% of the Federal Poverty Line and who are enrolled full-time

Vassar College โ€“ย Students whose family incomes are below $60,000 per year

Washington University in St. Louis โ€“ย Students with family incomes below $60,000 per year

Wellesley University โ€“ย Students with family incomes below $60,000 per year

Wesleyan University โ€“ย Students with family incomes below $40,000 per year

Williams College โ€“ย Williams once had a no loan policy for all students, but they had to revoke it a few years back due to financial difficulties. Some no loan packages are still available to low income students.

Regional No Loan Schools

In addition to these schools, there are additional schools that offer no loan financial aid packages for students from a particular regional area and who meet income qualifications. You can find a list of these colleges and universities and the regional requirement below:

Appalachian State Universityย (Appalachian Access)ย โ€“ย North Carolina residents entering as full-time freshmen students with incomes below the Federal Poverty Line.

Arizona State Universityย (Obama Scholars Program)ย โ€“ย Arizona residents entering freshman year with income up to $42,500 who are eligible to receive the Pell Grant. Students must also meet all course competencies and at least one aptitude requirement for admission described in theirย Freshman Admissions Requirements.

Boston Universityย (Boston Public Schools Commitment)ย โ€“ย Boston residents who graduate from the Boston Public Schools. Students must submit the FAFSA and CSS Profile by February 15th)

Colorado State University โ€“ Puebloย (Commitment to Colorado)ย โ€“ย Colorado undergrads who qualify for the Pell grant and who have family AGI $57,000 or lessย mayย be eligible for a no loan plan

Fairfield Universityย (Bridgeport Tuition)ย โ€“ย Students from Bridgeport Public Schools and diocesan high schools with family incomes below $50,000 receive full tuition grants

Georgia Institute of Technologyย (Tech Promise)ย โ€“ย Georgia residents with family incomes below $33,3000 and eligible to file a 1040A or 1040 E2. Requires a 2.0 GPA.

Indiana University โ€“ Bloomingtonย (21stย Century Scholarship Covenant)ย โ€“ย Indiana residents who complete 21stย Century Scholars Application in middle school which requires them to pledge to remain drug-, alcohol-, and crime-free and to maintain a 2.0 GPA). They also must be low income (eligible for the Federal School Lunch Program) and plan to enroll full-time in university.

Lamar Universityย (Lamar Promise Program)ย โ€“ย Texas residents eligible for the Pell Grant and who have incomes under $25,000 receive full tuition and fees in grants. Students are also required to maintain an adequate academic record.

Miami University (Ohio)ย ย (Access Initiative)ย โ€“ย Ohio residents from families earning less than $35,000 per year receive full tuition and fees. Students must submit FAFSA by February 15thย and must be enrolled full-time. Students must also maintain โ€œsatisfactory academic progress.โ€

Michigan State Universityย (Spartan Advantage Program)ย โ€“ย Michigan residents who areย  income with family incomes below the Federal Poverty Line. Students must be eligible for Pell Grants and be enrolled full-time.

North Carolina State University (Pack Promise)ย โ€“ย North Carolina residents with family incomes less than 150% of the Federal Poverty Line and โ€œlimited assets.โ€

Sacred Heart Universityย (Discovery Grant)ย โ€“ย Students from Fairfield County, Connecticut high schools and income under $50,000 receive full tuition

University of Texas โ€“ Dallasย (The Tuition Promise)ย โ€“Texas residents who are Pell grant eligible with under $25,000 in family income receive full tuition and fees. Students must be enrolled full-time and maintain a 2.5 GPA.

Texas A&M Universityย (Aggie Assurance)ย โ€“ย Residents of Texas with AGI under $60,000. Students must maintain a 2.5 GPA and be enrolled full-time. The FAFSA must also be submitted by March 15th.

Texas State University โ€“ San Marcosย (Bobcat Promise)ย โ€“ย Texas residents whose families earn under $25,000 in AGI ($35,000 for graduates of San Marcos high school). Students must also submit their FAFSA by April 1stย and maintain a 2.0 GPA.

University of California Systemย (Blue and Gold Opportunity Plan)ย โ€“ย California residents with a family income under $80,000 who submit their FAFSA by March 2nd. Available for the first four years as a UC undergrad for students who enroll as freshmen or two years for transfer students. Students must be enrolled at least half-time.

University of Floridaย (Florida Opportunity Scholarship Program)ย โ€“ย Florida residents with family incomes under $40,000 and whose parents did not earn a college degree

University of Illinois at Urbana-Champaignย (Illinois Promise)ย โ€“ย Illinois residents with zero EFC and income below the Federal Poverty Line

University of Louisvilleย (Cardinal Covenant)ย โ€“ย Kentucky residents with a family income below 150% of the Federal Poverty Line

University of Maryland at College Parkย (Maryland Pathways Program)ย โ€“ย Maryland students with zero EFC

University of Michigan at Ann Arborย (M-PACT Program)ย โ€“ย Michigan residents with zero EFC who are pursuing a first bachelorโ€™s degree

University of Tennesseeย (Tennessee Pledge Scholarship)ย โ€“ย The Pledge Scholarship is available to Tennessee residents with under $40,000 in family income (approximately 200% of the Federal Poverty Line) and who maintain a GPA of 2.0. Applications must be submitted by December 1stย and the FAFSA by February 15th.

University of Texas at El Pasoย (UTEP Promise)ย โ€“ย Students who are Texas residents with under $30,000 in family income receive full tuition in grants. Students must qualify for in-state tuition and must be enrolled in 30 credit hours/yr or more with a 2.0 GPA or higher.

University of Toledoย (Blue and Gold Scholar Award)ย โ€“ย Students who graduate from one of six Ohio districts (Akron, Cincinnati, Cleveland, Columbus, Dayton, or Toledo) with a 3.0 or higher receive full tuition in grants. Students must be eligible for the Pell Grant and file their FAFSA by April 2st (Blue & Gold Scholar Award).

University of Vermontย (Commitment to Pell Grant Recipient Vermonters)ย โ€“ย Students must be residents of Vermont and Pell-eligible.

ํ•™์ž๊ธˆ ๋Œ€์ถœ ๋Œ€์‹  ์žฌ์ • ๋ณด์กฐ ํŒจํ‚ค์ง€๋ฅผ ์ œ๊ณตํ•˜๋Š”63๊ฐœ ๋Œ€ํ•™

ย 

ํ•™์ž๊ธˆ ๋Œ€์ถœํ•˜๊ธฐ ๋ถ€๋‹ด์Šค๋Ÿฝ๊ณ  ๊ฒ์ด ๋‚˜์‹ญ๋‹ˆ๊นŒ?

๊ทธ๋Ÿฐ ์—ฌ๋Ÿฌ๋ถ„์„ ์ถฉ๋ถ„ํžˆ ์ดํ•ดํ•  ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค.

๋Œ€์ถœ์€ ์—ฌ๋Ÿฌ๋ถ„์„ ์ˆ˜๋…„๊ฐ„ ์˜ญ์•„๋งฌ ์ˆ˜ ์žˆ์œผ๋ฉฐ, ๊ฒฐ๊ตญ์—” ๋†’์€ ์ด์ž ๋•Œ๋ฌธ์— ์›๊ธˆ์˜ ์ˆ˜์‹ญ๋ฐฐ์— ๋‹ฌํ•˜๋Š” ๊ธˆ์•ก๊นŒ์ง€ ์น˜๋‹ซ๋Š” ์ƒํ™ฉ๊นŒ์ง€ ๋  ์ˆ˜๋„ ์žˆ์Šต๋‹ˆ๋‹ค.

๋‹คํ–‰ํžˆ๋„ ๋Œ€์ถœ์—๋Š” ๋ช‡ ๊ฐ€์ง€ ๋ฐฉ๋ฒ•์ด ์žˆ์Šต๋‹ˆ๋‹ค. ๊ทธ ์ค‘ ํ•˜๋‚˜๋กœ๋Š” ํ•™์ž๊ธˆ ๋Œ€์ถœ ๋Œ€์‹  ์žฌ์ • ํŒจํ‚ค์ง€( No students loans)๋ฅผ ์ œ๊ณตํ•˜๋Š” ๋Œ€ํ•™์„ ๊ณ ๋ฅด๋Š” ๊ฒƒ์ž…๋‹ˆ๋‹ค.

ํ•™์ž๊ธˆ ๋Œ€์ถœ์ด ์—†๋Š” ํ•™๊ต๋“ค์€ ํ•™์ž๊ธˆ ๋Œ€์ถœ ๋Œ€์‹  ์žฌ์ •๋ณด์กฐ ํŒจํ‚ค์ง€๋ฅผ ์ œ๊ณตํ•ฉ๋‹ˆ๋‹ค.

์ด๊ฒƒ์€ ์—ฌ๋Ÿฌ๋ถ„์ด ์—ฌ์ „ํžˆ ํ•™๋ถ€๋ชจ์˜ ํ•™๋น„ ๋ถ„๋‹ด๊ธˆ, ํ•™์ƒ์ด ๋ถ„๋‹ดํ•ด์•ผ ํ•˜๋Š” ๋ถ€๋ถ„ ๋˜๋Š” ๊ทผ๋กœ ์žฅํ•™๊ธˆ ๊ณ„ํš์„ ํ•˜๋ฉฐ,ย  ์ถ”๊ฐ€์ ์ธ ๋ถ€๋ถ„์€ ๋ณด์กฐ๊ธˆ์œผ๋กœ ์ถฉ๋‹น๋œ๋‹ค๋Š” ์˜๋ฏธ๊ฐ€ ๋ฉ๋‹ˆ๋‹ค. ํ•™์ž๊ธˆ ๋Œ€์ถœ ๋Œ€์‹  ๋ฌด๋ฃŒ ์žฌ์ • ๋ณด์กฐ ํŒจํ‚ค์ง€๋ฅผ ์ œ๊ณตํ•˜๋Š” ํ•™๊ต์˜ ํ•™์ƒ๋“ค์€ ํ•™์ƒ๋“ค์˜ ๋ถ„๋‹ด๊ธˆ์„ ์ค„์ด๊ณ  ์ ์€ ์‹œ๊ฐ„ ๊ต๋‚ด์—์„œ ์ผ์„ ํ•˜๊ธฐ ์œ„ํ•ด์„œ ๋“ฑ๋“ฑ์˜ ์ด์œ ๋กœ ํ•™์ƒ์ด ํฌ๋งํ•˜๋Š” ๊ฒฝ์šฐ ์—ฌ์ „ํžˆ ํ•™์ž๊ธˆ ๋Œ€์ถœ์ด ๊ฐ€๋Šฅํ•˜๊ธด ํ•˜์ง€๋งŒ, ๊ฒฐ๊ตญ์—” No Loan School์€ ์—ฌ๋Ÿฌ๋ถ„์˜ ์ฑ„๋ฌด๋ฅผ ์ƒ๋‹นํžˆ ์ค„์—ฌ์ค„ ๊ฒƒ์ž…๋‹ˆ๋‹ค.

 

No Loan Schools for Everyone ( ๋ชจ๋‘์—๊ฒŒ ํ•™์ž๊ธˆ ๋Œ€์ถœ ๋Œ€์‹  ์žฌ์ •๋ณด์กฐ ํŒจํ‚ค์ง€๋ฅผ ์ œ๊ณตํ•˜๋Š” ํ•™๊ต)

 

๋‹ค์Œ ๋Œ€ํ•™์€ ์žฌ์ • ์ง€์› ํŒจํ‚ค์ง€์— ์–ด๋– ํ•œ ํ•™์ž๊ธˆ ๋Œ€์ถœ๋„ ํฌํ•จ์‹œํ‚ค์ง€ ์•Š์Šต๋‹ˆ๋‹ค. ์ด ํ•™๊ต๋“ค์€ ๊ฐ€์กฑ์˜ ์†Œ๋“๊ณผ ๊ฑฐ์ฃผ์ง€์— ๊ด€๊ณ„์—†์ด ๋ชจ๋“  ํ•™์ƒ๋“ค์—๊ฒŒ ํ•™์ž๊ธˆ ๋Œ€์ถœ์„ grant( ๋ณด์กฐ๊ธˆ) ์™€ work-study program(๊ต๋‚ด ์ผ์ž๋ฆฌ)๋กœ ๋Œ€์ฒดํ•  ์ˆ˜ ์žˆ๋„๋ก ํ•˜๊ณ  ์žˆ์Šต๋‹ˆ๋‹ค.

 

 

Amherst College

Bowdoin College

Claremont McKenna College

Colby College

Columbia University

Davidson College

Haverford College

Harvard University

Pomona College

Princeton University

Stanford University

Swarthmore College

University of Pennsylvania

Vanderbilt University

Washington and Leeย 

Yale University

 

 

 

No Loan Schools for Low Income Students ( ์ €์†Œ๋“์ธต ํ•™์ƒ์„ ์œ„ํ•œ ํ•™์ž๊ธˆ ๋Œ€์ถœ ๋Œ€์‹  ์žฌ์ •๋ณด์กฐ ํŒจํ‚ค์ง€๋ฅผ ์ œ๊ณตํ•˜๋Š” ํ•™๊ต)

 

์•„๋ž˜์˜ ํ•™๊ต๋“ค์€ ์ €์†Œ๋“์ธต ํ•™์ƒ๋“ค์„ ์œ„ํ•ด ํ•™์ž๊ธˆ ๋Œ€์ถœ ๋Œ€์‹  ์žฌ์ • ๋ณด์กฐ ํŒจํ‚ค์ง€๋ฅผ ์ œ๊ณตํ•˜๋Š” ํ•™๊ต๋“ค์ด๋ฉฐ, ์—ฐ๊ฐ„ ์ˆ˜์ž… ๊ธฐ์ค€์— ๋”ฐ๋ผ ์–ด๋–ค ํ•™์ƒ๋“ค์ด ํ•ด๋‹น๋˜๋Š” ์ง€๋ฅผ ๋ณด์—ฌ์ค๋‹ˆ๋‹ค.

 

 

Brown Universityย (Commitment to No Loans for Low Income Students) โ€“ ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 10 ๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

California Institute of Technology (Caltech)–ย  ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 6 ๋งŒ๋ถˆ ์ดํ•˜์˜ ๋ฏธ๊ตญ ํ•™์ƒ

ย 

Connecticut College– ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 5๋งŒ๋ถˆ ์ดํ•˜ ๋˜๋Š” EFC( ๊ฐ€์กฑ ๋ถ„๋‹ด๊ธˆ) 5์ฒœ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

Cornell Universityย (Loan Initiative)ย โ€“ ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 6๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

Dartmouth Universityย (Tuition Plan)- ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 10๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ์€ ์ „์•ก ํ•™๋น„ ๋ณด์กฐ๊ธˆ

ย 

Duke Universityย (Duke Loan Awards)- ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 4๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

Emory Universityย โ€“ ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 5๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

Kenyon College โ€“๊ฐ€์žฅ ์žฌ์ • ์ง€์›์ด ํ•„์š”ํ•œ 25๋ช… ํ•™์ƒ์—๊ฒŒ ์ฃผ์–ด์ง

ย 

Lafayette Collegeย (Loan Announcement)– ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 5๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

Lehigh Universityย (Lehigh Aid)– ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 5๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

Massachusetts Institute of Technology โ€“ ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž…์› 7๋งŒ5์ฒœ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ. ๊ทธ๋Ÿฌ๋‚˜ ย MIT๋Š” 6์ฒœ๋ถˆ์ด๋ผ๋Š” ๋งค์šฐ ๋†’์€ ์œ ์ƒ ๋ณด์กฐ๊ธˆ(self- help expectation( ๊ต๋‚ด ์—…๋ฌด์™€ ์™ธ๋ถ€ ์žฅํ•™๊ธˆ))์ด ์žˆ์Šต๋‹ˆ๋‹ค.

ย 

Northwestern University โ€“ ๊ฐ€์žฅ ์žฌ์ • ์ง€์›์ด ํ•„์š”ํ•œ ํ•™์ƒ๋“ค. ๋Œ€๋ถ€๋ถ„์˜ ํ•™์ƒ๋“ค์€ ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 5๋งŒ 5์ฒœ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ๋“ค์ด๋‹ค.ย  ํ•ด๋‹น ํ•™์ƒ๋“ค์€ ์—ฐ๋ฐฉ ์ •๋ถ€ ๋ณด์กฐ(Pell Grant)์™€ ์žฌํ•™ ์‹œ์— ๋“ค์–ด๊ฐ€๋Š” ์ด๋น„์šฉ ( COA) ์˜ 80% ์ด์ƒ์ด ํ•„์š”ํ•œ ์ž๊ฒฉ์ด ๋˜์–ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.

ย 

Oberlin College โ€“– ์—ฐ๋ฐฉ ์ •๋ถ€ ๋ณด์กฐ (Pell Grant) ์˜ ์ž๊ฒฉ์ด ๋˜๋Š” ํ•™์ƒ

ย 

Rice University (Rice University) โ€“ ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 8๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

Tufts University– ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 4๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

University of Chicagoย (Odyssey Scholarship)- ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 6๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

University of North Carolina at Chapel Hillย โ€“ ํ’€ ํƒ€์ž„ ์ผํ•˜๋ฉด์„œ ์—ฐ๋ฐฉ ์ •๋ถ€ ๋นˆ๊ณค ์ˆ˜์ค€( federal poverty line)์˜ 200%์— ๋‹ฌํ•˜๋Š” ์ˆ˜์ค€์˜ ๊ฐ€์กฑ์˜ ํ•™์ƒ

ย 

Vassar Collegeย โ€“ ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 6๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

ย 

Washington University in St. Louis โ€“ย ๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 6๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

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Wellesley University โ€“๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž… 6๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

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Wesleyan University โ€“๊ฐ€์กฑ ์—ฐ๊ฐ„ ์ˆ˜์ž…4๋งŒ๋ถˆ ์ดํ•˜์˜ ํ•™์ƒ

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Williams College โ€“– ์œŒ๋ฆฌ์—„์Šค ๋Œ€ํ•™์€ ํ•œ๋•Œ ๋ชจ๋“  ํ•™์ƒ๋“ค์—๊ฒŒ ํ•™์ž๊ธˆ ๋Œ€์ถœ ์—†๋Š” ์žฌ์ • ๋ณด์กฐ ํŒจํ‚ค์ง€๋ฅผ ์ œ๊ณตํ•˜์˜€์œผ๋‚˜ ์žฌ์ •์ ์ธ ์–ด๋ ค์›€์œผ๋กœ ์ธํ•ด ๊ทธ ์ •์ฑ…์„ ์ทจ์†Œํ–ˆ๋‹ค. ์ €์†Œ๋“ ํ•™์ƒ๋“ค์„ ์œ„ํ•œ ํ•™์ž๊ธˆ ๋Œ€์ถœ์—†๋Š” ์žฌ์ • ๋ณด์กฐ ํŒจํ‚ค์ง€๋Š” ์—ฌ์ „ํžˆ ๊ฐ€๋Šฅํ•˜๋‹ค.

 

 

 

Regional No Loan Schools (์ง€์—ญ์ ์ธ ์ œํ•œ์„ ๋‘๋Š” ํ•™์ž๊ธˆ ๋Œ€์ถœ ๋Œ€์‹  ์žฌ์ • ๋ณด์กฐ ํŒจํ‚ค์ง€๋ฅผ ์ œ๊ณตํ•˜๋Š” ํ•™๊ต)

 

์•„๋ž˜์˜ ํ•™๊ต๋“ค์€ ์—ฐ๊ฐ„ ์ˆ˜์ž… ์ž๊ฒฉ์— ํ•ด๋‹น์ด ๋˜๊ณ  ์–ด๋–ค ํŠน์ • ์ง€์—ญ ์ถœ์‹ ์˜ ํ•™์ƒ๋“ค์—๊ฒŒ ํ•™์ž๊ธˆ ๋Œ€์ถœ ๋Œ€์‹ ย  ์žฌ์ • ๋ณด์กฐ ํŒจํ‚ค์ง€๋ฅผ ์ œ๊ณตํ•˜๊ณ  ์žˆ๋‹ค.

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Appalachian State Universityย (Appalachian Access)ย โ€“ย  ๋…ธ์Šค ์บ๋กค๋ผ์ด๋‚˜ ์ฃผ๋ฏผ์œผ๋กœ ์—ฐ๋ฐฉ ์ •๋ถ€ ๋นˆ๊ณค ์ˆ˜์ค€( federal poverty line) ์ดํ•˜์˜ ์ˆ˜์ž…์ด๊ณ  ํ’€ํƒ€์ž„์— ๋“ฑ๋ก๋œ ์‹ ์ž…์ƒ

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Arizona State Universityย (Obama Scholars Program)-ย  ์• ๋ฆฌ์กฐ๋‚˜ ์ฃผ๋ฏผ์œผ๋กœ ์—ฐ๋ฐฉ ์ •๋ถ€ ๋ณด์กฐ๊ธˆ (Pell Grant)์˜ ์ž๊ฒฉ์ด ๋˜๋Š” ์‚ฌ๋žŒ ์ค‘ ์—ฐ ์ตœ๋Œ€ 4๋งŒ 2์ฒœ๋ถˆ์˜ ์ˆ˜์ž…์ด ์žˆ๋Š” ์‹ ์ž…์ƒ. ํ•™์ƒ์€ ๋ชจ๋“  ๊ณผ๋ชฉ ์ ๊ฒฉ์„ฑ์— ๋ถ€ํ•ฉํ•ด์•ผ ํ•˜๋ฉฐ ์‹ ์ž…์ƒ ์ž…ํ•™ ์š”๊ตฌ์‚ฌํ•ญ (Freshman Admissions Requirements)์— ๋ช…์‹œ๋˜์–ด ์žˆ๋Š” ์ ์–ด๋„ ํ•œ๊ฐ€์ง€ ์ ์„ฑ์„ ์š”๊ตฌํ•ฉ๋‹ˆ๋‹ค.

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Boston Universityย (Boston Public Schools Commitment)ย —๋ณด์Šคํ†ค ๊ณต๋ฆฝ ํ•™๊ต๋ฅผ ์กธ์—…ํ•œ ๋ณด์Šคํ†ค ์ฃผ๋ฏผ.ย  ํ•ด๋‹น ํ•™์ƒ์€ ๋ฐ˜๋“œ์‹œ FAFSA(Free Application for Federal Student Aid: ์—ฐ๋ฐฉ ๋ฌด๋ฃŒ ํ•™์ž๊ธˆ ์ง€์›์„œ)์™€ CSS( College Scholarship Service) ํŒŒ์ผ์„ 2์›” 15์ผ๊นŒ์ง€ ์ œ์ถœํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.

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Colorado State University โ€“ Puebloย (Commitment to Colorado)—์—ฐ๋ฐฉ ์ •๋ถ€ ๋ณด์กฐ๊ธˆ ( Pell Grant)์˜ ์ž๊ฒฉ์ด ๋˜๊ณ  AGI( Adjusted Gross Income: ์กฐ์ • ํ›„ ์ด์†Œ๋“) 5๋งŒ 7์ฒœ๋ถˆ ๋˜๋Š” ๊ทธ ์ดํ•˜์˜ ์ฝœ๋กœ๋ผ๋„์˜ ํ•™๋ถ€์ƒ.

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Fairfield Universityย (Bridgeport Tuition)ย โ€“ ์—ฐ๊ฐ„ ๊ฐ€์กฑ ์ˆ˜์ž…์› 5๋งŒ๋ถˆ ์ดํ•˜์˜ Bridgeport public schools and Diocesan High Schools์ถœ์‹ ์˜ ํ•™์ƒ์€ ์ „์•ก ํ•™๋น„ ๋ณด์กฐ๊ธˆ์„ ๋ฐ›์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค

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Georgia Institute of Technologyย (Tech Promise)ย ย โ€“ ์—ฐ๊ฐ„ ๊ฐ€์กฑ ์ˆ˜์ž…์› 3๋งŒ 3์ฒœ๋ถˆ ์ดํ•˜ ๊ทธ๋ฆฌ๊ณ  ์„ธ๊ธˆ ๋ณด๊ณ  ์‹œ 1040A ๋˜๋Š” 1040 E2์— ์ ํ•ฉํ•œ ์กฐ์ง€์•„ ์ฃผ๋ฏผ. 2.0ย  GPA(Grade Point Average: ์„ฑ์  ํ‰๊ฐ€์  ํ‰๊ท ) ์ด ์š”๊ตฌ๋ฉ๋‹ˆ๋‹ค.

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Indiana University โ€“ Bloomingtonย (21stย Century Scholarship Covenant)ย โ€“ ์ค‘ํ•™๊ต ๋•Œ 21st Century Scholarship Application ์„ ์ž‘์„ฑํ•œ ์ธ๋””์• ๋‚˜ ์ฃผ๋ฏผ. 21st Century Scholarship Application์ด๋ž€ ๋งˆ์•ฝ, ์ˆ , ๋ฒ”์ฃ„ ์—†๋Š” ์ƒํ™œ์„ ํ•˜๊ณ ย  GPA 2.0์„ ์œ ์ง€ํ•œ๋‹ค๋Š” ์„œ๋ช…์„ ๋งํ•ฉ๋‹ˆ๋‹ค. ๋˜ํ•œ Federal School Lunch Program(์ €์†Œ๋“์ธต์„ ์œ„ํ•œ ์—ฐ๋ฐฉ ํ•™๊ต ์ ์‹ฌ ํ”„๋กœ๊ทธ๋žจ)์— ์ ํ•ฉํ•œ ์ €์†Œ๋“์ธต์ด์–ด์•ผ ํ•˜๋ฉฐ ๋Œ€ํ•™์—์„œ ํ’€ํƒ€์ž„์— ๋“ฑ๋กํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.

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Lamar Universityย (Lamar Promise Program)ย —์—ฐ๋ฐฉ ์ •๋ถ€ ๋ณด์กฐ๊ธˆ ( Pell Grant)์˜ ์ž๊ฒฉ์ด ๋˜๊ณ  ์—ฐ๊ฐ„ 2๋งŒ 5์ฒœ๋ถˆ ๋ฏธ๋งŒ์˜ ํ…์‚ฌ์Šค ์ฃผ๋ฏผ์€ ์ „์•ก ํ•™๋น„์™€ ๋น„์šฉ ๋ณด์กฐ๊ธˆ์„ ๋ฐ›์„์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ํ•ด๋‹น ํ•™์ƒ๋“ค์€ ์ ํ•ฉํ•œ ํ•™์—… ๊ธฐ๋ก( adequate academic record)์„ ์œ ์ง€ํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.

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Miami University (Ohio)ย ย (Access Initiative)ย โ€“์—ฐ๊ฐ„ ๊ฐ€์กฑ ์ˆ˜์ž…์› 3๋งŒ 5์ฒœ๋ถˆ ๋ฏธ๋งŒ์˜ ์˜คํ•˜์ด์˜ค ์ฃผ๋ฏผ๋“ค์€ ์ „์•ก ํ•™๋น„์™€ ๋น„์šฉ ๋ณด์กฐ๋ฅผ ๋ฐ›์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ํ•ด๋‹น ํ•™์ƒ๋“ค์€ ๋ฐ˜๋“œ์‹œ 2์›” 15์ผ๊นŒ์ง€ FAFSA๋ฅผ ์ œ์ถœํ•ด์•ผ ํ•˜๋ฉฐ ํ’€ํƒ€์ž„์œผ๋กœ ๋Œ€ํ•™์— ๋“ฑ๋ก ๋˜์–ด ์žˆ์–ด์•ผ ํ•ฉ๋‹ˆ๋‹ค. ๋˜ํ•œ ๋งŒ์กฑํ•  ๋งŒํ•œ ํ•™์—… ๊ณผ์ •( satisfactory academic progress)์„ ์œ ์ง€ํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.

 

 

Michigan State Universityย (Spartan Advantage Program)โ€”Federal Poverty Line ์ดํ•˜์˜ ๊ฐ€์กฑ ์ˆ˜์ž…์˜ ๋ฏธ์‹œ๊ฐ„ ์ฃผ๋ฏผ. ํ•ด๋‹น ํ•™์ƒ๋“ค์€ Pell Grant์— ์ž๊ฒฉ์ด ๋˜์–ด์•ผ ํ•˜๊ณ  ๋Œ€ํ•™์—์„œ ํ’€ํƒ€์ž„์— ๋“ฑ๋ก๋˜์–ด ์žˆ์–ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.

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North Carolina State University (Pack Promise)—Federal Poverty Line 150% ๋ฏธ๋งŒ์˜ ๊ฐ€์กฑ ์ˆ˜์ž…๊ณผ ์ œํ•œ์ ์ธ ์ž์‚ฐ( limited assets)์˜ ๋ถ ์บ๋กค๋ผ์ด๋‚˜

 

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Sacred Heart Universityย (Discovery Grant)ย —Fairfield ์นด์šดํ‹ฐ, ์ฝ”๋„คํ‹ฐ์ปท ๊ณ ๋“ฑํ•™๊ต ์ถœ์‹ ์ด๋ฉฐ ์—ฐ๊ฐ„ 5๋งŒ๋ถˆ ์ดํ•˜์˜ ์ˆ˜์ž…์˜ ํ•™์ƒ์€ ์ „์•ก ํ•™๋น„ ๋ณด์กฐ๋ฅผ ๋ฐ›์„ ์ˆ˜ ์žˆ๋‹ค.

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University of Texas โ€“ Dallasย (The Tuition Promise)ย —์—ฐ๊ฐ„ ์ˆ˜์ž… 2๋งŒ 5์ฒœ๋ถˆ ์ดํ•˜๋กœ Pell Grant ์˜ ์ž๊ฒฉ์ด ๋˜๋Š” ํ…์‚ฌ์Šค ์ฃผ๋ฏผ์€ ์ „์•ก ํ•™๋น„์™€ ๋น„์šฉ ๋ณด์กฐ๋ฅผ ๋ฐ›์„ ์ˆ˜ ์žˆ๋‹ค. ํ•ด๋‹น ํ•™์ƒ์€ ๋ฐ˜๋“œ์‹œ ํ’€ํƒ€์ž„์œผ๋กœ ๋“ฑ๋ก๋˜์–ด ์žˆ์–ด์•ผ ํ•˜๋ฉฐ2.5 GPA๋ฅผ ์œ ์ง€ํ•ด์•ผ ํ•œ๋‹ค.

 

Texas A&M Universityย (Aggie Assurance)ย – AGI 6๋งŒ๋ถˆ ์ดํ•˜์˜ ํ…์‚ฌ์Šค ์ฃผ๋ฏผ. ํ•™์ƒ์€ ๋ฐ˜๋“œ์‹œ 2.5ย  GPA๋ฅผ ์œ ์ง€ํ•ด์•ผ ํ•˜๋ฉฐ ํ’€ํƒ€์ž„์œผ๋กœ ๋“ฑ๋ก๋˜์–ด ์žˆ์–ด์•ผ ํ•œ๋‹ค. ๋˜ํ•œ ๋ฐ˜๋“œ์‹œ3์›” 15์ผ๊นŒ์ง€ FAFSA๋ฅผ ์ œ์ถœํ•ด์•ผ ํ•œ๋‹ค

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Texas State University โ€“ San Marcosย (Bobcat Promise)โ€ฆAGI 2๋งŒ 5์ฒœ๋ถˆ ์ดํ•˜(San Marcos ๊ณ ๋“ฑํ•™๊ต ์กธ์—…์ž๋Š”3๋งŒ 5์ฒœ ์ดํ•˜)์˜ ๊ฐ€์กฑ ์ˆ˜์ž…์˜ ํ…์‚ฌ์Šค ์ฃผ๋ฏผ. ๋˜ํ•œ ํ•™์ƒ์€ ๋ฐ˜๋“œ์‹œ 4์›” 1์ผ๊นŒ์ง€FAFSA๋ฅผ ์ œ์ถœํ•ด์•ผ ํ•˜๊ณ  2.0 GPA๋ฅผ ์œ ์ง€ํ•ด์•ผ ํ•œ๋‹ค.

 

University of California Systemย (Blue and Gold Opportunity Plan)-3์›” 2์ผ๊นŒ์ง€ FAFSA๋ฅผ ์ œ์ถœํ•œ ๊ฐ€์กฑ ์ˆ˜์ž… 8๋งŒ๋ถˆ ์ดํ•˜์˜ ์บ˜๋ฆฌํฌ๋‹ˆ์•„ ์ฃผ๋ฏผ. 1ํ•™๋…„์œผ๋กœ ๋“ฑ๋ก๋œ UC ํ•™๋ถ€์ƒ์—๋Š” ์ฒซ 4๋…„๋™์•ˆ ํ•ด๋‹น๋˜๋ฉฐ ํŽธ์ž… ํ•™์ƒ์—๊ฒŒ๋Š” 2๋…„ ๋™์•ˆ ์ ์šฉ๋ฉ๋‹ˆ๋‹ค. ํ•™์ƒ๋“ค์€ ๋ฐ˜๋“œ์‹œ ์ ์–ด๋„ ํ•˜ํ”„ ํƒ€์ž„์€ ๋“ฑ๋ก๋˜์–ด ์žˆ์–ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.

 

University of Floridaย (Florida Opportunity Scholarship Program)ย —์—ฐ๊ฐ„ ๊ฐ€์กฑ ์ˆ˜์ž… 4๋งŒ๋ถˆ ์ดํ•˜ ๊ทธ๋ฆฌ๊ณ  ์–‘๋ถ€๋ชจ ๋ชจ๋‘ ๋Œ€ํ•™ ํ•™์œ„ ( college degree)๊ฐ€ ์—†๋Š”ย  ํ”Œ๋กœ๋ฆฌ๋‹ค ์ฃผ๋ฏผ

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University of Illinois at Urbana-Champaignย (Illinois Promise)โ€”์ œ๋กœ ๊ฐ€์กฑ ๋ถ„๋‹ด๊ธˆ( Expected Family Contribution)๊ณผ Federal Poverty Line ์ดํ•˜์˜ ์ˆ˜์ž…์˜ ์ผ๋ฆฌ๋…ธ์ด ์ฃผ๋ฏผ

 

University of Louisvilleย (Cardinal Covenant)โ€ฆ Federal Poverty Line 150% ์ดํ•˜์˜ ๊ฐ€์กฑ ์ˆ˜์ž…์˜ ์ผ„ํ„ฐํ‚ค ์ฃผ๋ฏผ

 

 

University of Maryland at College Parkย (Maryland Pathways Program)โ€ฆ.. ์ œ๋กœ ๊ฐ€์กฑ ๋ถ„๋‹ด๊ธˆ( Expected Family Contribution)์˜ ๋ฉ”๋ฆด๋žœ๋“œ ํ•™์ƒ

 

University of Michigan at Ann Arborย (M-PACT Program)ย โ€ฆ์ฒ˜์Œ์œผ๋กœ ํ•™์‚ฌ ํ•™์œ„๋ฅผ ๋ฐ›๊ธฐ๋ฅผ ์›ํ•˜๋ฉฐ ์ œ๋กœ ๊ฐ€์กฑ ๋ถ„๋‹ด๊ธˆ( Expected Family Contribution)์˜ ๋ฏธ์‹œ๊ฐ„ ์ฃผ๋ฏผ

 

University of Tennesseeย (Tennessee Pledge Scholarship)โ€ฆ.Pledge ์žฅํ•™๊ธˆ์€ ๋Œ€๋žต ์—ฐ๋ฐฉ ์ •๋ถ€ ๋นˆ๊ณค ์ˆ˜์ค€ 200%์— ๋ฏธ์น˜๋Š” ์—ฐ๊ฐ„ ๊ฐ€์กฑ ์ˆ˜์ž… 4๋งŒ๋ถˆ ์ดํ•˜ ๊ทธ๋ฆฌ๊ณ  2.0 GPA๋ฅผ ์œ ์ง€ํ•˜๋Š” ํ…Œ๋„ค์‹œ ์ฃผ๋ฏผ์—๊ฒŒ ํ•ด๋‹น๋ฉ๋‹ˆ๋‹ค. ์‹ ์ฒญ์„œ๋Š” ๋ฐ˜๋“œ์‹œ 12์›” 1์ผ๊นŒ์ง€ ๊ทธ๋ฆฌ๊ณ  FAFSA๋Š” 2์›” 15์ผ๊นŒ์ง€ ์ œ์ถœ๋˜์–ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.

 

University of Texas at El Pasoย (UTEP Promise)ย โ€ฆ.์—ฐ๊ฐ„ ๊ฐ€์กฑ ์ˆ˜์ž… 3๋งŒ๋ถˆ ์ดํ•˜์˜ ํ…์‚ฌ์Šค์— ์‚ฌ๋Š” ํ•™์ƒ์€ ์ „์•ก ํ•™๋น„ ๋ณด์กฐ๋ฅผ ๋ฐ›์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ํ•™์ƒ๋“ค์€ ๋ฐ˜๋“œ์‹œ ์ฃผ๋‚ด ๊ฑฐ์ฃผ ํ•™์ƒ ํ•™๋น„ ( in-state tuition)์— ์ž๊ฒฉ์ด ๋˜์–ด์•ผ ํ•ฉ๋‹ˆ๋‹ค. ๋˜ํ•œ ์ผ๋…„์— ์ตœ์†Œ30ํฌ๋ ˆ๋”ง ์‹œ๊ฐ„์— ๋“ฑ๋ก๋˜์–ด ์žˆ์–ด์•ผ ํ•˜๊ณ  ์ตœ์†Œ 2.0 GPA๋ฅผ ์œ ์ง€ํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค.

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University of Toledoย (Blue and Gold Scholar Award)โ€ฆ.์ตœ์†Œ 3.0 GPA ์™€ย  ์˜คํ•˜์ด์˜ค ๋””์ŠคํŠธ๋ฆญ( Akron, Cincinnati, Cleveland, Columbus, Dayton, or Toledo)ย ์ค‘ ํ•œ๊ตฐ๋ฐ๋ฅผ ์กธ์—…ํ•œ ํ•™์ƒ์€ ์ „์•ก ํ•™๋น„ ๋ณด์กฐ๋ฅผ ๋ฐ›์„ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค. ํ•™์ƒ๋“ค์€ ๋ฐ˜๋“œ์‹œ Pell Grant์˜ ์ž๊ฒฉ์ด ๋˜์–ด์•ผ ํ•˜๋ฉฐ 4์›” 2์ผ๊นŒ์ง€ FAFSA๋ฅผ ์ œ์ถœํ•ด์•ผ ํ•ฉ๋‹ˆ๋‹ค. (Blue & Gold Scholar Award).

 

University of Vermontย (Commitment to Pell Grant Recipient Vermonters)ย โ€“ย ๋ฒ„๋ชฌํŠธ ์ฃผ๋ฏผ์ด๊ณ  Pell Grant ์ž๊ฒฉ์ด ๋˜๋Š” ํ•™์ƒ

 

Grant:

๋‚˜์ค‘์— ๊ฐš์„ ํ•„์š”๊ฐ€ ์—†๋Š” ํ•™์ƒ์˜ ์žฌ์ •์ ์ธ ํ™˜๊ฒฝ์— ๋งž์ถ”์–ด ์ฑ…์ •๋˜๋Š” ๋ณด์กฐ๊ธˆ์ž…๋‹ˆ๋‹ค.

๊ทธ ์ข…๋ฅ˜์—๋Š” ์—ฐ๋ฐฉ์ •๋ถ€์—์„œ ์ฃผ๋Š” Pell Grant, ๊ฐ ์ฃผ์—์„œ ์ฃผ๋Š” State Grant, ํ•™๊ต์—์„œ Need Base๋กœ ์ฃผ๋Š” College Grant ๊ฐ€ ์žˆ์Šต๋‹ˆ๋‹ค. ์ผ๋ถ€ ํ•™๊ต์—์„œ๋Š” ์žฌ์ • ๋ณด์กฐ ์žฅํ•™๊ธˆ ( Need-based)๋„ Scholarship์œผ๋กœ ๋ถ„๋ฅ˜ํ•˜๊ธฐ๋„ ํ•ฉ๋‹ˆ๋‹ค.

 

Work Study:

์žฌ์ •๋ณด์กฐ๊ฐ€ ํ•„์š”ํ•œ ํ•™์ƒ๋“ค์—๊ฒŒ ํ•™๊ต ์•ˆํŒŽ์—์„œ ์ผ์„ ํ•˜๋ฉฐ ํ•™๋น„๋ฅผ ์ถฉ๋‹นํ•  ์ˆ˜ ์žˆ๋„๋ก ํ•˜๋Š” ์žฌ์ •๋ณด์กฐ ํ”„๋กœ๊ทธ๋žจ์ด๋‹ค. ํ•™๊ต ์‚ฌ๋ฌด์‹ค์ด๋‚˜ ๋„์„œ๊ด€ ๋“ฑ ๊ต๋‚ด์—์„œ ํ•™๊ต๋ฅผ ์œ„ํ•ด ์‹œ๊ฐ„์ œ๋กœ ์ผ์„ ํ•˜๊ฑฐ๋‚˜ ํ•™๊ต ๋ฐ– ๋น„์˜๋ฆฌ๋‹จ์ฒด๋‚˜ ๊ณต๊ณต๊ธฐ๊ด€ ์—…๋ฌด๋ฅผ ํ•  ์ˆ˜ ์žˆ๋‹ค.

 

Loan:

์žฅํ•™๊ธˆ๊ณผ ๋‹ฌ๋ฆฌ ์ƒํ™˜์„ ํ•ด์•ผ ํ•˜๋Š” ์œต์ž์ž…๋‹ˆ๋‹ค. ์ฆ‰ ํ•™์ž๊ธˆ ๋Œ€์ถœ์ด๋ผ๊ณ  ํ•ฉ๋‹ˆ๋‹ค.