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… is made available by federal and state governments, as well as public and private organizations in the form of grants, fee waivers, part-time employment, loans, and scholarships. The funds are available to make it possible for students to continue … meeting their educational costs.  … Is financial aid money that I have to pay back? … Financial aid such as grants, fee waivers, work study, and scholarships are forms of aid that do not need to be paid back under the condition that the student retains their eligibility throughout the semester.   Loans are a form of financial aid available for students that need to be …