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Generally awarded on the basis of financial need, grants are “free money.” Unlike loans, grants need not be repaid unless you are awarded funds incorrectly or you withdraw from school. University of Arkansas students received more than $10 million in grants in 2007.

A little bit of research and a few forms could save you big bucks. The key: apply early!

There are four types of federal student aid grants:

•     Federal Pell Grant

•     Federal Supplemental Educational Opportunity Grant (FSEOG)

•     Academic Competitiveness Grant (ACG)

•     National Science and Mathematics Access to Retain Talent Grant (SMART)

The State of Arkansas also provides student aid grants:

•     The GO! Opportunities Grant

•     The Workforce Improvement Grant

•     The Challenge Grant/Scholarship

Corporate grants are available, as well. For example, Wal-Mart Stores, Inc. has established the Wal-Mart Scholars Endowed Fund for Arkansas residents with demonstrated financial need.

For more information, visit the University of Arkansas’ Office of Financial Aid.