Types of Financial Aid
Grants
Gift aid provided by the federal or state government that's completely free and does not need to be repaid.
Loans
Borrowed funding that students or parents repay with interest over time. Most federal student loans require students to be enrolled at least half time (6 units for undergraduate students and 4 units for graduate students) and to complete additional loan requirements before funds are disbursed.
Beginning with the 2026–27 academic year, the federal Schedule of Reductions (SOR) may lower the maximum Direct Subsidized and Direct Unsubsidized Loan amount for students who are enrolled less than full time.
Find more information about Loans
Work-Programs
Funding earned through employment in eligible student positions, such as Federal Work-Study or the Dream Service Incentive Grant (DSIG).
Please note:
- Work programs are not grants or loans
- Work programs do not guarantee employment
- Students must apply and interview for open positions
Scholarships
Scholarships are gift aid awarded by SFSU departments or outside organizations that do not need to be repaid. Students are encouraged to research and apply early for scholarship opportunities.