A grant is a gift. You do not have to repay it. You must file an application for financial aid so that the amount of the grant award can be determined.
Grants can come from the college, the state, or the federal government.
These awards are based on need and are awarded for one year at a time. Student loan programs offer low interest rates. Most loans offer delayed repayment, which means that you do not begin loan payments until after you graduate. The Student Financial Planning Office must certify each student loan application. This will assist you in determining the amount to borrow.