In reviewing your FAN you may find reference to any one or more of the following:

Grants are need-based and do not have to be repaid.
UCLA Grants are funded through the dental school and the university. Awards are based on financial need and typically range from $1,000 to $4,000.

Scholarships are awarded based on academics and other achievements, and may or may not be need-based.

University Scholarships consist primarily of private scholarship funds donated to the School of Dentistry. Information regarding these scholarships will be provided during the academic year.

Non-University Scholarships are from various organizations, agencies, companies or private individuals and are not administered by the university. Students are required to meet various agency restrictions, which may include academic achievement, special talent, leadership abilities, and group affiliation. Additional scholarship information may be obtained in your local library’s reference section. There are also a few sites on the Internet that might assist you in your search.

Work-Study is need-based and is earned through part-time employment.

Federal Work-Study is a federally funded work program awarded to undergraduates and graduate students. Students must be U.S. citizens or eligible non-citizens with financial need. Students secure employment through on-campus or off-campus agencies and may work up to 20 hours per week during the quarter.

However, because the Dental School program is so rigorous, we recommend that students do not work while in school. Therefore, we do rarely award Federal College Work-Study to dental students with the exception of the Class Projectionist (one for each class). Students can apply during the first week of orientation in the Dental School Student Affairs Office.

Federal Loans must be repaid with interest, usually after graduating or separating from the education program. Awards include long-term, low-interest loans. Repayment of the principal and interest of these loans is usually deferred six months after graduation or withdrawal. Some loans are eligible for internship/residency deferment while others only allow for forbearance. When you are offered a loan, you will be given additional information to assist you with your final decision to accept or reject long-range indebtedness. Private University funds may require one or two co-signers. Interest rates vary, depending on the particular loan source.

Federal Perkins Loans are available to students with financial need. Graduate and professional students may borrow up to $40,000, including undergraduate Federal Perkins Loan amounts. The Perkins Loan interest rate is 5 percent. There is a ten-year repayment period with a minimum repayment of $120 per quarter. No interest or principal is due until six to nine months after graduation.

Federal Family Education Loan Program (FFELP)
This program consists of low-interest subsidized and unsubsidized loans financed by participating banks and other lending institutions. Loans are available to students who are U.S. citizens or eligible non-citizens. The variable interest rate is adjusted annually. Loan repayment begins six months after graduation or dropping below half-time enrollment. Students who are found to be in default on prior federal education loans are not eligible for federal loans.

Federal Subsidized Stafford Loans are awarded to students with demonstrated need. Interest is paid by the government while the student is enrolled in school on at least a half-time basis. The maximum eligibility is $8,500 annually.

Federal Unsubsidized Stafford Loans are available to all students regardless of income. Interest accrues from the date of disbursement, but the extra costs of accrual can be avoided by making regular interest payments while in school. The unsubsidized amount may be used to meet the difference between the student budget and financial aid awarded (i.e., to replace the student contribution and/or parental contribution). The total subsidized and unsubsidized Stafford loans combined may not exceed $18,500 ($8,500 subsidized and $10,000 unsubsidized) or the cost of education, whichever is less.

Additional Unsubsidized Federal Stafford Loans are available for health professions students, including students at the UCLA School of Dentistry. The new aggregate loan limit for unsubsidized loans for the current academic year and beyond is $189,125 less the aggregate amount of any subsidized loans made to the student.
Note: All Federal and State Programs are subject to change and all students should read their promissory notes for details on any loan program.

HPSL and LDS are provided by the Federal Government for dental student financing on a priority basis with first priority given to those students with no personal and/or family financial resources. The total amount a student may receive through these loan programs combined cannot exceed $2,500 plus tuition and fees per academic year, or financial need, whichever is less. The interest rate is 5 percent with a ten-year repayment period. HPSL and LDS loans may be deferred (interest and principal) during periods of advanced training, including internships and residencies.

Private Loans – Private loans generally do not appear on the FAN. For more information on Private Loans, please refer to Private Alternative Educational Loans/Private Loans.