State and Federal Aid

NSLDS – Student Access

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s (ED’s) central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct Loan program, and other Department of ED programs. NSLDS Student Access provides a centralized, integrated view of Title IV loans and grants so that recipients of Title IV Aid can access and inquire about their Title IV loans and/or grant data.

Click here for access to NSLDS.

Federal Pell Grant

This grant is available to undergraduate students with financial need as determined by the Free Application for Federal Student Aid (FAFSA). Pell Grants do not have to be repaid. They are based solely on the student’s Estimated Family Contribution (EFC) and Cost of Attendance (COA).

Federal Supplemental Educational Opportunity Grant (FSEOG)

This grant is available to undergraduate students who demonstrate exceptional financial need. FSEOG does not have to be repaid.

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Tennessee Student Assistance Award Program (TSAA)

TSAA is available to undergraduate students who are residents of Tennessee and who demonstrate financial need. Awards do not have to be repaid and are based solely on the student’s EFC, COA and the FAFSA processed date.

Tennessee Education Lottery Scholarships (TELS)

The state government lottery system awards these scholarships to undergraduate students who graduated from high school in 2005 or more recently to undergraduate students who are first-time freshmen (have never attended college), and are age 25 or older. These scholarships are awarded in two-year and four-year colleges as the Hope Scholarship, the Aspire Award, the Hope Access Grant and the General Assembly Merit Scholarship. They are academic in nature and G.P.A. benchmarks are checked at 24 credit hour increments. For more information about this program and its requirements, please visit the Tennessee Lottery website at

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Federal Work-Study (FWS)

Federal Work-Study (FWS) is a financial aid program that allows students to work on-campus or with approved off-campus community service employers to earn money to pay for college expenses. Eligible students are awarded FWS when they complete their Free Application for Federal Student Aid (FAFSA). Being awarded FWS with financial aid can help a student be eligible for part-time jobs, both on- and off-campus, that they may not have otherwise been eligible for. The FWS program encourages employment in community service and in fields related to your major of study. For eligibility, program requirements, and other questions, please check out the Federal Work-Study FAQ’s.

Federal Stafford Subsidized and Unsubsidized Loans (Direct Loan Program)

The federal direct loan program provides students with low-interest loans at a fixed interest rate set by the U.S. Treasury Department. Subsidized loans are based on financial need and dependency status as indicated on the FAFSA; unsubsidized loans are non-need-based, but interest is not subsidized and must be paid or capitalized while enrolled in college. Award amounts are based upon grade level, type of degree, program and dependency status.

Repayment of both loan types begins upon graduation, withdrawal from college, or enrollment in fewer than six credit hours of collegiate coursework. A six-month grace period is available for both loans.

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Federal PLUS Loans

PLUS loans are for parents of undergraduate dependent students. PLUS loans are non-need-based and are based on the parent’s credit worthiness. Repayment and interest begins within 60 days of loan disbursements. Parents may use a PLUS loan to cover the cost of attendance less any other financial assistance for which the student qualifies. The interest rate is usually variable, but is currently at a fixed interest rate. Rates are subject to change each July 1st, and have an interest rate cap set by the U.S. Treasury Department.

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US Dept. of Education State Grant Agencies

If your home state is not Tennessee, please visit this site to learn about state grant and scholarship availability in your home state.