Students should check local Rotary Clubs and Kiwanis Clubs for further information. For help in locating local clubs, contact Program Development at the above address. Applicants must be U.S. citizens or resident aliens who are attending an accredited school at least half- time. Evidence of financial need is required. April 1 for fall term and November 1 for winter term.
Successful applicants assume a moral obligation to repay the loan within ten years.
No interest is charged while the student is enrolled full time. The loan must be cosigned by a parent and is repayable within five years of receipt. Interest is charged once the student graduates or drops below half time. Students must be endorsed by Ruritan members. Selection is based on academic achievement and financial need.