Some colleges have healthy endowments which enable them to meet the full, demonstrated need of the student's family. Others have limited budgets which allow them to meet only partial need. You may want to review the ABC's of financial aid in chapter one of this handbook to refresh your memory about this process . Grant money is basically a gift to you from the college. It does not need to be repaid.
Loans can be from the government, the college, or both.
Loans must be paid back, generally at low rates of interest. Repayment usually is required to begin after the student graduates from college. In general, a Work Study job requires about 8-12 hours per week. Students have a variety of choices about when and where they can work. The applicant must be a citizen of the US or a Permanent Resident to be eligible for federal funds.