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.
Programs that enable students who can demonstrate financial need to obtain cash awards (which do not need to be repaid) to help support the cost of their education. Included are Pell Grants and Supplemental Education Opportunity Grants which are funded by the state, and Grants-in-Aid (GIAs) which are usually made available by the educational institution.
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.