A variety of federally funded grants, loans, and work-study programs that can be applied for with a single application: the Free Application For Federal Student Aid, or FAFSA for short. Visit our Federal Financial Aid page for more details.

FAFSA includes:

• Grants – This refers to money awarded to a student that does not need to be repaid.

• Loans – This refers to money that is borrowed and must be repaid with interest. Private loans may also be sought from financial institutions. If you decide to accept any type of federal loan, loan counseling is required by UOG's Financial Aid Office.

• Work-Study Programs – This refers to part-time employment that helps pay education expenses. Federal work-study is applied for through the FAFSA and a subsequent Federal Work Study application.

Local financial aid refers to money available through the Government of Guam SFAP (Student Financial Assistance Program) that the student does not need to pay back or pays back by working on Guam for a set number of years, depending on the program. All Guam financial aid programs require the FAFSA, the SFAP application, and the application for the individual program be submitted.

SFAP includes:

• Service Pay-Back – This refers to a type of financial assistance given on the condition that the student work in a certain field or location for a specific amount of time after they graduate. These opportunities are available through the Guam SFAP.

These refer to money from various community organizations and businesses that is competitively awarded to applicants based on academic or other specific achievements. The awarded money does not need to be paid back. These are listed on theScholarships page and are applied for separately from federal or local aid.