Q: What is the difference between a loan and a grant?

A: Grants are free money that never needs to be repaid. Some grants are one-time only, some grants are renewable. Loans need to be repaid, usually with interest.

Q: What is a Cal Grant?

A: Cal Grants are need-based grants available to legal California residents who are attending college in California.

Q: How do I apply for a Cal Grant?

A: Complete FAFSA and put a CA college in the Number One spot on the list of colleges on the form

Q: Where can a student find out what merit scholarships are offered by a school?

A: Students need to contact a college directly to find out what merit-based scholarships they offer and how to apply for them.

Q: Can parents and students to take out loans to finance their education?

A: Yes.

Q: Where can I find out about scholarships?

A: You can contact counselors in high school or the Financial Aid office of your college. www.fastweb.com is also a good resource.