Skip to main content

What if I need assistance in addition to my eligible need- and merit-based financial aid?

Non-need-based aid is provided to students when the financial aid formulas indicate the student or family should be able to afford an education using their own funds. Such aid often comes in the form of unsubsidized loans, which means the federal government does not pay the interest for you. Students with financial need may also rely on this kind of aid. Most federal and state aid still requires a determination of financial need (using the FAFSA) before approving non-need-based aid.

Don't forget about other opportunities for funding that don't require a determination of your financial need. These could include scholarships opportunities and work-study programs.


  • Email Support

  • 1-800-GO-TO-XAP (1-800-468-6927)
    From outside the U.S., please call +1 (424) 750-3900


Powered by XAP

OCAP believes that financial literacy and understanding the financial aid process are critical aspects of college planning and student success. OCAP staff who work with students, parents, educators and community partners in the areas of personal finance education, state and federal financial aid, and student loan management do not provide financial, investment, legal, and/or tax advice. This website and all information provided is for general educational purposes only, and is not intended to be construed as financial, investment, legal, and/or tax advice.