Your financial aid eligibility is determined by several factors including your Estimated Family Contribution (EFC) as calculated by your FAFSA, timeliness of application, cost of attendance, classification, receipt of outside aid, satisfactory academic progress, minimum credit hour requirements, and availability of funds.  Your award offer may consist of scholarships, grants, loans, Federal Work Study, or a combination of these programs.  Scholarships and grants do not have to be repaid.  Loans must be repaid.  Federal Work Study awards are earned, and bi-weekly payment is made for work performed.