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.

Academic Competitiveness Grant

Academic Competitiveness Grant (ACG) is a federal need-based grant available to Federal Pell Grant eligible students in their first and second year who graduate from rigorous secondary school programs of study. Awards range from $750-1300.

See 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 $400 to $4,731, 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 must have graduated from a Georgia high school in 1996 or later with a cumulative GPA of 3.0 or higher. After completion of 30, 60 or 90 semester hours of college credit with a cumulative 3.0 GPA, entering upperclassmen who meet HOPE Scholarship Georgia residency requirements may qualify for the HOPE Scholarship. 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. Visit GACollege411 for additional information regarding the HOPE Scholarship.

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. These grants are not based on need and reduce other full tuition awards you receive. The annual award amount is determined by state appropriations. Visit GACollege411 for additional information regarding the Georgia Tuition Equalization Grant.

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. Veteran's benefits should be reported on the Free Application for Federal Student Aid (FAFSA). The Office of Financial Aid will count VA education benefits as a resource when determining eligibility for other types of aid in accordance with federal policy.

A student must complete an Application for Education Benefits (VA form 22-1990 for veteran or VA form 22-5490 if spouse/dependent of veteran). Applications may be printed from the GI Bill Website. The completed application should be returned to the Office of the Registrar, Attn: Veteran Certifying Official, Emory University, Atlanta, GA 30322. For more information, please 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 PLUS Loans

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. Although Emory requires you to file the FAFSA, PLUS loans are not based on need. Typically borrowers begin repaying principal and interest within 60 days of disbursement. Many lenders allow interest and payment to be deferred until the student graduates.

See Federal Loan Programs at a Glance

Federal Stafford Loans

Stafford Loans are available to degree-seeking students enrolled at least half-time. Lenders who participate in the Federal Family Education Loan Program (FFELP) make these low-interest loans. Interest rates change annually July 1st. Lenders and guarantors may deduct an origination fee and insurance premium from each disbursement. 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 Loan Programs at a Glance

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.

Service-Cancelable Loans

Service-cancelable loans are for graduate and undergraduate students who are Georgia residents and are studying education or critical health care. Recipients of service-cancelable loans may be eligible to cancel all or part of their loans by practicing their professions in approved locations within Georgia. The length of time required to repay these loans is based on the amount borrowed each academic year, with a maximum of one year of service for each academic year loan. The annual award amount is determined by state appropriations.

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