The Service Tree lists all services in "branched" groups, starting with the very general and moving to the very specific. Click on the name of any group name to see the sub-groups available within it. Click on a service code to see its details and the providers who offer that service.
Student Financial Aid
Social insurance programs whose benefits include financial assistance for the education of the covered individual and his or her eligible dependents.
Education Related Fee Payment Assistance
Programs that provide financial assistance to help individuals pay for educational placement tests, college/university entrance examinations, test preparation instruction, second language learning expenses or other education-related fees in situations where the person is unable to make the payment without support.
Programs that provide or assist students to apply for awards which usually involve money and/or reduced tuition. Included are both needs-based scholarships which are awarded to outstanding students who are in financial need and honorary scholarships which are awarded on the basis of merit alone and normally carry a nominal monetary award. Scholarship funds come from many sources including private endowments, alumni contributions, college or university funds, individual departments or outside organizations.
Student Loan Forgiveness/Repayment Programs
Programs that offer alternative arrangements for repayment of student loans under specified circumstances when borrowers are having trouble making their regular payments. Included are deferment programs which allow the individual to postpone repayment of the loan for an agreed period of time, generally with no interest accrual; forbearance arrangements which involve temporary postponement of payment on the principle but continued payment of the interest or capitalization of the interest (folding it into the principle); loan repayment programs under which the individual's employer (often the military or federal employer) or another organization makes loan payments on behalf of the individual up to a specified limit; and loan forgiveness programs which involve cancellation of all or a portion of the loan amount in exchange for military service, volunteer work, teaching in schools that serve low-income families, work in a public interest law firm or meeting other criteria specified by the forgiveness program. Individuals in the U.S.who are employed by a U.S. federal, state, local, or tribal government or nonprofit organization might be eligible for the Public Service Loan Forgiveness Program (PSLF), a federal effort that forgives student loan debt for nonprofit employees after 120 qualifying payments. For a limited period of time, people eligible for the PSLF program may receive credit for past periods of repayment on loans that would otherwise not qualify for PSLF. Borrowers can also make other arrangements with the lender including more affordable payment plans and loan consolidation.
Programs that provide loan funds to meet the financial needs of students for whom grants and other forms of aid are inadequate or unavailable. Student loans are available at attractive interest rates (usually three to nine percent) and repayment is not required until after the student has completed school. Most student loans are federal Stafford Loans which have two variations: federally guaranteed Federal Family Education Loans (FFEL) that can be obtained from banks, savings and loan associations, credit unions or other financial institutions; and loans from the Federal Direct Student Loan Program (FDSLP) which are provided to students and their parents directly by the federal government. Stafford Loans may be subsidized (the government pays the interest while the student is in school) or unsubsidized (the student must pay the interest either while in school or following graduation, if deferred). Other options include PLUS loans (federal loans to parents of dependent undergraduate students), state government loans, loans from the educational institution or private donors, and loans that are designated for students who are pursuing specific courses of study (e.g., nursing, medicine, law).
Programs that provide cash assistance for people who need additional financial support to pursue an educational or vocational program of study. Also included are programs that forgive past unpaid tuition fees for current or returning students who meet eligibility criteria.
Need-based programs funded by the federal government or individual educational institutions which allow students to work a specified number of hours per week while attending school and full-time during vacations in order to finance their education. Work-study awards range from $600 to $4500 and students are not permitted to earn more than the award amount.