Your aid package may be composed of different types of financial aid awards from different funding sources. Listed below are descriptions of aid types applicable for your career. You may or may not be eligible depending on the awarding restrictions of each fund. You are also encouraged to visit your school's or program's website to learn of any additional funding opportunities or aid programs administered outside of the Financial Aid Office.

Additionally, general information about all federal aid programs can be found at Federal Student Aid at a Glance.

Courtesy Tuition Benefit

Dependent children of eligible Emory faculty and staff hired before January 1, 2003 may receive full-tuition scholarships minus the amount of the HOPE Scholarship and Georgia Tuition Equalization Grant (GTEG). Employees hired after December 31, 2002 will receive graduated benefits based upon the employee's year of service. Students eligible for Courtesy benefits, who also receive Emory merit awards, cannot receive awards that exceed their eligibility. Courtesy awards are applied prior to Emory merit awards.

Eligible faculty and staff and their spouses or domestic partners may also receive a courtesy award for a portion of their tuition. For additional information, visit the Emory University Human Resources website.

Federal Pell Grant-For Undergraduate, First-Time Baccalaureate Degree Only

The amount of the award ranges from $555 to $5,550, subject to Congressional appropriations, and is prorated for students who enroll less than full time. Eligibility is based on federal law.

Georgia Hope Scholarship-For Undergraduate Georgia Residents, First Baccalaureate Degree Only

• Entering freshmen who are Georgia residents may qualify for the HOPE Scholarship if they graduated from an eligible high school with a 3.0 or higher grade point average.
• Students who were not eligible for the HOPE Scholarship as an entering freshman may become eligible when they have earned a minimum of 30 credit hours with a 3.0 or better grade point average.
• Students who currently are eligible for and receive the HOPE Scholarship at another Georgia institution may continue to receive the HOPE Scholarship at Emory. To retain eligibility at Emory, students must enroll at least half-time and maintain a 3.0 cumulative GPA.

GPA calculations are based upon letter grades only, and plus/minus (i.e., A-, B+) values are ignored. HOPE Scholarships are not based on need, but will reduce any other full tuition awards you receive. HOPE Scholarship regulations are updated annually and may change. The annual award amount is determined by state appropriations.

For Fall 2013 and Spring 2014, students attending Emory University will receive the following:
• Full-time students: $1,800 per semester
• Half-time students: $900 per semester

For additional information about the HOPE Scholarship please see your Financial Aid advisor.

Georgia Tuition Equalization Grant

The Georgia Tuition Equalization Grant program provides non-repayable grants to eligible Georgia residents enrolled full-time who are attending approved private colleges in Georgia. The student must have graduated from an eligible high school a minimum of 12 months prior to the first term the grant is received. If the student did not graduate from an eligible high school, the student must establish residency 24 months prior to receiving the grant. These grants are not based on need and reduce other full tuition awards you receive. The annual award amount is $350 per semester. Students must complete the GSFAPP to receive this grant. Visit GACollege411 to complete this application. The link is located under the “Shortcuts” at this website.

Georgia Zell Miller Scholarship-For Undergraduate Georgia Residents, First Baccalaureate Degree Only

• Entering freshmen who are Georgia residents may qualify for the Zell Miller Scholarship if they graduated from an eligible high school with a 3.7 or higher grade point average and received a minimum score of 1200 on the SAT or 26 on ACT.
• OR entering freshmen who are Georgia residents may qualify for the Zell Miller Scholarship if they graduated from an eligible high school as the class valedictorian or salutatorian.
• Students who were not eligible for the Zell Miller Scholarship as an entering freshman may become eligible when they have earned a minimum of 30 credit hours with a 3.3 or better grade point average.
• Students who currently are eligible for and receive the Zell Miller Scholarship at another Georgia institution may continue to receive the Zell Miller Scholarship at Emory. To retain eligibility at Emory, students must enroll at least half-time and maintain a 3.3 cumulative GPA.

GPA calculations are based upon letter grades only, and plus/minus (i.e., A-, B+) values are ignored. Zell Miller Scholarships are not based on need, but will reduce any other full tuition awards you receive. Zell Miller Scholarship regulations are updated annually and may change. The annual award amount is determined by state appropriations.

For Fall 2013 and Spring 2014, students attending Emory University will receive the following:
• Full-time students: $2,000 per semester
• Half-time students: $1,000 per semester

For additional information about the Zell Miller Scholarship please see your Financial Aid advisor.

Lettie Pate Whitehead Scholarship

This scholarship is supported by The Lettie Pate Whitehead Foundation. Funds are awarded to Christian, female students from nine specified states—Georgia, North Carolina, South Carolina, Virginia, Louisiana, Mississippi, Alabama, Tennessee and Florida. Funds are awarded on the basis of demonstrated need as reported on the FAFSA and are made to full-time students only. Visit the Lettie Pate Whitehead Foundation's website for additional information regarding this scholarship. (If you are awarded the Lettie Pate Whitehead Scholarship, you are only considered for one of the University need-based scholarships.)

Martin VB Teem Scholarship

Institutionally funded grant aid awarded on the basis of demonstrated need as reported on the FAFSA. Awards are made to full-time students only. Funds are extremely limited and awards are made on a first come/first serve basis. (If you are awarded the Martin VB Teem Scholarship, you are only considered for one of the University need-based scholarships.)

Outside Scholarships

Many agencies, employers, military and service organizations award funds to students. If you are a financial aid recipient, you must notify the Office of Financial Aid, in writing, of any scholarships you are awarded from sources other than Emory. If you receive scholarships or other resources not listed on your award notification, you are required to notify the Office of Financial Aid.

The combination of external funds and need-based assistance you receive may not exceed your eligibility or the cost to attend Emory for the academic year. Emory is required to make adjustments for external scholarships and resources if a student's demonstrated eligibility (or total cost of education) has already been met. To the extent possible, it is our policy to adjust self-help awards before reducing grant.

You should inform the Office of Financial Aid of any special instructions or billing information regarding external scholarships. All checks for these awards must be sent to the Office of Financial Aid. Awards will be posted as a payment to your account. It is Emory's policy to divide external scholarships equally between fall and spring semesters unless otherwise specified by the donor.

School Administered Scholarships and Grants

Other Scholarships and Grants administered by your school may be available to you. Additional information may be found at:

Allied Health Section of the School of Medicine Financial Aid Handbook

United Methodist Ministerial Tuition Benefit

Children of active United Methodist ministers or missionaries may receive a scholarship for 45 percent of tuition. This award may be adjusted when combined with other tuition awards. Applications are available under Download Forms on our website or in the Office of Financial Aid.

Veteran’s Education Benefits

Veterans or dependents of veterans may qualify for monthly education benefits. The Office of Financial Aid will not count VA education benefits as a resource when determining eligibility for other types of aid in accordance with federal policy.

Students who anticipate receiving Veteran's benefits and have questions should contact the Office of the Registrar, Attn: Veteran Certifying Official, 200 Dowman Drive, Suite 100, Boisfeuillet Jones Center, Atlanta, GA 30322. Phone: (404)727-6042. Website: http://www.registrar.emory.edu.

For more information, please access the Department of Veterans Affairs website http://www.gibill.va.gov or call 1-888-GIBILL-1 (1-888-442-4551)

Allied Health Tuition Loan

This institutionally funded low-interest loan is awarded on the basis of demonstrated need as reported on the FAFSA.

See Allied Health Tuition Loan at a Glance

Federal Direct PLUS Loans

Direct Parent Loans for Undergraduate Students (PLUS) are loans made to creditworthy natural or adoptive parents of eligible dependent undergraduate students who are enrolled at least half time. The lender is the U.S. Department of Education. An origination fee will be deducted from each disbursement by the U.S. Department of Education. Although you are required to file the FAFSA, PLUS loans are not based on need. Typically borrowers begin repaying principal and interest within 60 days of last disbursement of the loan.

See Federal Direct PLUS Loans

Federal Direct Stafford Loans

Direct Stafford Loans are low-interest loans available to degree-seeking students enrolled at least half-time. The lender is the U.S. Department of Education. An origination fee will be deducted from each disbursement by the U.S. Department of Education. Federal Stafford Loans may be subsidized or unsubsidized, depending upon your eligibility for need-based aid.

Subsidized loans require demonstration of financial need as determined by the information on the FAFSA. You do not pay interest on the loan if you continue to be enrolled at least half-time. Once you graduate or withdraw, payments and interest begin after a six-month grace period.

Unsubsidized loans are not based on need, although you must file the FAFSA to be considered. Interest will be charged from the time the loan is disbursed to you until it is paid in full. You can choose to pay the interest while you are in school or allow it to accumulate. However, allowing it to accumulate will increase the total amount you have to repay. Interest is capitalized once at repayment.

See Federal Direct Stafford Loans

Student Access Loan-For Undergraduate Georgia Residents

The Student Access loan is considered gap funding for students who need assistance securing additional funds to pay for their education expenses. The low interest loan is available to Georgia residents. The loan is managed by the Georgia Student Finance Commission (GSFC). Students are randomly selected by the GSFC to be reviewed for eligibility. The student must have graduated from an eligible Georgia high school and must meet the GA Hope residency requirements. Student must also be a US citizen or eligible non-citizen, and be enrolled at least half-time. Eligibility for this loan requires that the student must accept and utilize all federal aid awarded and available including subsidized and unsubsidized Stafford loans. The minimum loan amount is $500.00 and the origination fee is a fixed $50.00 to be deducted from the first disbursement and it is non-refundable except in the cases of complete cancellation. The student must maintain a cumulative GPA of 2.0 before reapplying for the loan in subsequent years. The Student Access Loan is not based on need and limited by the Cost of Attendance. The regulations for the Student Access Loan are updated annually and may change. The maximum loan amount is determined by state appropriations. Visit GACollege411 for additional information regarding the Student Access Loan.

Private Loans

Private educational loans may be an important funding source for students who need more loan funds than the federal programs can provide. Terms of private loans vary significantly. These loans can be more expensive than federal loans because the federal government does not guarantee them. Maximum federal loan eligibility should be borrowed before a private loan is considered. They require a credit check and/or debt-to-income ratio check on the borrower and/or co-borrower. A co-borrower may be required; lower interest rates may be available to students who choose to have a co-borrower. Visit the suggested Private Loan Lenders pages for more information.

Part-time Employment Opportunities

If you are interested in part-time employment opportunities and wish to earn money to help pay expenses, please contact the Emory Career Center for information on current job listings. The Career Center maintains a database of jobs which includes local and on-campus part-time job opportunities.

See Federal Student Aid at a Glance