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Scholarships
Top need-based scholarships: Find free money for students
Your guide to finding scholarships that make grad school affordable.
Need based scholarships
4 days left!
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Sallie $2,000 No Essay Scholarship
Due: 6/30/26
$2,000
4 days left!
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Joseph Frasca Excellence in Aviation Scholarship
Due: 6/30/26
|No essay
$2,000
The Joseph Frasca Excellence in Aviation Scholarship was established through the University Aviation Association to encourage others to reach the highest level of achievement in their aviation studies. It is bestowed upon those who demonstrate a commitment and devotion to aviation in the tradition of Joseph Frasca. Applicants must demonstrate evidence of excellence in activities, studies, events, organizations, etc., related to aviation. They must have Federal Aviation Administration certification or qualifications in either aviation maintenance or flight. Applicants must also have membership in at least one Aviation organization such as Alpha Eta Rho, NIFA Flying Team, Experimental Aircraft Association, Warbirds of America, etc. They must demonstrate involvement in Aviation activities, projects, events, etc., which will demonstrate an interest and an enthusiasm for aviation. Applicants must also be currently enrolled in a UAA member institution. Preference will be given to those with demonstrated interest or experience in aviation simulation; have demonstrated interest or experience in aircraft restoration; have demonstrated interest or experience in aerobatics; work experience in aviation; work experience while in school; and/or financial need. An essay is optional and may be submitted. Completion will enhance the student's application packet and noncompletion will not eliminate them from consideration. Please visit the scholarship's website or contact UAA for more information.
4 days left!
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21st Century Scholarship
Due: 6/30/26
|No essay
|No Recommendations Required
|No min. GPA Required
|No Transcripts Required
Varies
Started in 1990, 21st Century Scholars is Indiana's early college promise program. It offers income-eligible Hoosier students up to four years of paid tuition at an eligible Indiana college or university after they graduate from high school. Students enroll in seventh or eighth grade, and in high school they participate in the Scholar Success Program and are connected to programs and resources to help them prepare for college and career success. Once in college, Scholars receive support to complete their college degrees and connect to career opportunities. Please visit the scholarship's website for more information.
4 days left!
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Arnstein Cross Community Scholarship
Due: 6/30/26
|No essay
|No Recommendations Required
|No min. GPA Required
|No Transcripts Required
Varies
The Arnstein Cross Community Scholarship provides support to undergraduate students who demonstrate financial need as determined by the Financial Aid Office. Preference will be given to first-generation college students or those transferring from community colleges.
4 days left!
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Beacon Scholarship for Rural America
Due: 6/30/26
$1,000
The Beacon Scholarship for Rural America will award $1,000 scholarships to one winner for the Spring and two winners for the Fall semester, to graduating high school seniors, current college students or adult learners planning to enroll in an accredited college program. Applicants must also reside in a rural area and meet the low-income criteria. Two letters of recommendation from teachers, coaches, counselors, other academic professionals or colleagues must be submitted. The Fall 2025 deadline is June 30, 2025; and the Spring 2026 deadline is November 30, 2025. Please visit the scholarship's website or contact Carrot-Top Industries, Inc. for more information.
4 days left!
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Korean-American Scholarship Foundation Southern Regional Chapter Scholarships
Due: 6/30/26
Varies
The Korean-American Scholarship Foundation Southern Regional Chapter Scholarships will be awarded to students of Korean heritage (i.e., have a Korean parent, grandparent, or great-grandparent, or be adopted from Korea) who will be a student at a school in one of the designated Southern region states during the full 2025-2026 school year. Students who are a direct descendant of a Korean War Veteran who served in Korea from June 25, 1950 - January 31, 1955 (Korean War Era, as designated by the U.S. Dept. of Veterans Affairs) are also eligible to apply. High school sophomores, juniors, and seniors, current or soon-to-be college students, and current or soon-to-be graduate students may apply for the scholarship. High school sophomores, juniors, and seniors will be awarded based on achievement, not based on financial need. College seniors must submit a letter of acceptance from the graduate or professional school they plan to attend. International students may apply. Current non-students are eligible if they can provide documentation indicating they will be a full-time student in one of the aforementioned categories in the 2025-2026 school year. Students who reside, or will reside, in the US during the 2025-2026 school year, whether US citizens or foreign nationals, are all welcome to apply. There are different application links and requirements for high school students, college students, and graduate students. Please make sure to use and submit what is appropriate for you. Please visit the scholarship's website or contact the Korean American Scholarship Foundation for more information.
4 days left!
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Kimbo Foundation Scholarship
Due: 6/30/26
|No min. GPA Required
$2,500
The Kimbo Foundation has been one of the largest and oldest scholarship foundations in the United States for the Korean community. The foundation started to give scholarships to Black and Hispanic students to improve racial harmony since 2013. Applicants must be 2024 fall college entering students or college students. Students should apply to certain areas of Korea Daily where the college they are currently attending; 2024 fall college entering students should apply to the area that the high school is located: Los Angeles, New York, Atlanta, San Francisco, Washington D.C., Chicago, and Denver. The foundation chooses scholarship recipients primarily based on academic achievement, essay, recommendation letter, community activity, and financial needs. Applicants must be full-time students, however, part-time students may apply if the applicant takes at least 6 units and works more than 20 hours a week. Applicants must submit a letter of recommendation from either a Professor, Teacher, clergy, etc. The applicants must also submit their parents' 2023 Tax Report. The applicant's Community Volunteer and Internship List and any award winning carrier List must also be submitted. Graduating high school students must submit their college admission letter. Please visit the scholarship's website for more information.
4 days left!
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Automotive Hall of Fame Scholarships
Due: 6/30/26
Varies
The program has specific scholarships for incoming freshmen and upper-level undergraduate students. All of the scholarships are based on financial needs. Applicants must submit a completed application form indicating a sincere interest in an automotive career. Two letters of recommendation supporting the applicant's automotive interests are also required. A letter of acceptance for an associate, bachelor, or master's program must also be submitted. Students attending a technical training school may also apply. Trade school should equal a two-year associate program. High school seniors may apply. Please visit the scholarship's website for more information.
4 days left!
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Korean-American Scholarship Foundation Northeastern Regional Chapter Scholarships
Due: 6/30/26
Varies
The Korean-American Scholarship Foundation Northeastern Regional Chapter Scholarships will be awarded to students of Korean heritage (i.e., have a Korean parent, grandparent, or great-grandparent, or be adopted from Korea) who will be a student at a school in one of the designated Northeastern region states during the full 2025-2026 school year. Students who are a direct descendant of a Korean War Veteran who served in Korea from June 25, 1950 - January 31, 1955 (Korean War Era, as designated by the U.S. Dept. of Veterans Affairs) are also eligible to apply. High school sophomores, juniors, and seniors, current or soon-to-be college students, and current or soon-to-be graduate students may apply for the scholarship. High school sophomores, juniors, and seniors will be awarded based on achievement, not based on financial need. College seniors must submit a letter of acceptance from the graduate or professional school they plan to attend. International students may apply. Current non-students are eligible if they can provide documentation indicating they will be a full-time student in one of the aforementioned categories in the 2025-2026 school year. Students who reside, or will reside, in the US during the 2025-2026 school year, whether US citizens or foreign nationals, are all welcome to apply. There are different application links and requirements for high school students, college students, and graduate students. Please make sure to use and submit what is appropriate for you. Please visit the scholarship's website or contact the Korean American Scholarship Foundation for more information.
4 days left!
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New York State Tuition Assistance Program
Due: 6/30/26
|No essay
|No Recommendations Required
|No min. GPA Required
|No Transcripts Required
$5,665
The New York State Tuition Assistance Program is available to students who must be a legal New York State resident for 12 continuous months prior to enrolling or qualified under NYS DREAM Act. For academic year 2024-2025, dependent undergraduate students within a household earning under the income limit, independent undergraduate students (married or single) with tax dependents, and undergraduate students who qualified as an orphan, foster child, or ward of the court at any time since the age of 13 must have $125,000 or less net taxable income (NTI); independent undergraduate students (married) without tax dependents must have $60,000 or less net taxable income (NTI); and independent undergraduate students (single) without tax dependents must have $30,000 or less net taxable income (NTI). The scholarship will be awarded for 3 years to students pursuing their associate degree full-time; 4 years to students pursuing their bachelor's degree full-time; and 5 years to students in approved five-year degree programs. Applicants must have graduated from high school in the United States, earned a high school equivalency diploma (GED), or passed a federally approved "Ability to Benefit" test. Applicants must also attend an approved college, be enrolled in a degree-granting program of study and maintain good academic standing, and be charged at least $200 for tuition per year. Please visit the scholarship's website for more information.
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What to know about need-based scholarships
- Need based scholarships help low- or middle-income students afford their education costs.
- Most programs need you to complete official financial aid forms like the Free Application for Federal Student Aid (FAFSA®)
- Many colleges meet 100% of demonstrated financial need.
- Some scholarships are fully funded and cover the full cost of attendance.
- Applying early improves your chances of receiving funding.
Paying for college is a major financial commitment. According to Sallie Mae’s How America Pays for College, scholarships and grants consistently cover a significant share of education costs each year.
Need-based scholarships help students from low- and middle-income families afford tuition, housing, books, and other expenses. If you’re wondering what scholarships are available for students who need financial support, this guide will walk you through your options and next steps.
What are need-based scholarships?
Need-based scholarships are financial awards given to students who demonstrate financial need. Unlike merit-based scholarships, which are about grades or athletics, need-based awards look at your family's income and financial situation, as well as your school's cost of attendance. Your "demonstrated need" will usually be your school’s cost of attendance, minus what your family can pay toward it.
Top need-based scholarships by education level
Below are leading examples of scholarships for need-based students by education level.
High school students
QuestBridge National College Match
The QuestBridge National College Match connects high-achieving, low-income seniors with full four-year scholarships at partner colleges. Awards often cover tuition, housing, meals, and required fees. Many selected students come from households earning around $65,000 or less for a family of four. Applications typically close in late September.
The Gates Scholarship
The Gates Scholarship is a last-dollar award for Pell-eligible high school seniors from low-income backgrounds. It covers the full cost of attendance not already funded by other aid and is renewable through completion of a bachelor’s degree. The application deadline is usually in September.
College students
Cooke Undergraduate Transfer Scholarship
The Cooke Undergraduate Transfer Scholarship supports community college students transferring to four-year institutions. Recipients can receive up to $55,000 per year for up to three years, depending on financial need and institutional aid. Applications usually close in January.
Graduate students
Harvard Business School
At Harvard Business School, need-based scholarships are awarded after admission based on income, assets, and financial background. Awards vary widely, and some students receive full tuition funding to reduce financial barriers.
Columbia Business School
Columbia Business School offers need-based scholarships typically ranging from $10,000 to $30,000 per year. Eligibility is determined by reviewing income, savings, and other financial resources. Awards are often renewed for the second year.
Johns Hopkins Carey Business School GradAid
Johns Hopkins Carey Business School provides GradAid need-based funding that may cover a substantial portion — and in some cases up to the full cost — of attendance. Eligibility requires demonstrated financial need and FAFSA® documentation.
Fully-funded need-based scholarships
Some programs fully fund the cost of attendance, including tuition, housing, and required fees. Examples include the QuestBridge National College Match and the Gates Scholarship, as well as universities that meet 100% of demonstrated financial need. Fully funded awards are usually very competitive.
More need-based aid programs
Federal Pell Grant
The Federal Pell Grant is one of the largest sources of need-based financial aid for undergraduate students in the United States. Award amounts vary annually and do not need to be repaid. Eligibility is determined through the FAFSA® based on income and Student Aid Index.
Federal Supplemental Educational Opportunity Grant (FSEOG)
The Federal Supplemental Educational Opportunity Grant (FSEOG) provides additional funding to undergraduate students with exceptional financial need. Award amounts typically range from $100 to $4,000 per year and are distributed by participating colleges.
CIEE GAIN Travel Grant
The CIEE GAIN Travel Grant offers airfare credits to students with financial need participating in CIEE study abroad programs. Eligibility is based on FAFSA® documentation and Student Aid Index thresholds.
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How financial need is determined
Financial need is calculated using information from the FAFSA® and, in some cases, the CSS Profile. Schools review income, assets, family size, number of students in college, and cost of attendance. Your demonstrated need equals the cost of attendance minus expected family contribution.
How to qualify for need-based scholarships
- Complete the FAFSA® to demonstrate your financial need. For step-by-step help, check our FAFSA® guide.
- Attend or be admitted to an accredited college, university, or career training program.
- Meet residency or citizenship requirements.
- Maintain the minimum required GPA.
- Submit the right documents on time.
How to apply for need-based scholarships
Complete the FAFSA® every year as soon as it becomes available (usually around October 1). Then research scholarships that match your financial profile and education level. Gather tax returns and transcripts in advance, meet deadlines, and apply to multiple programs to improve your chances.
What documents are required for need-based scholarships?
- Completed FAFSA®
- Tax returns
- Proof of income
- Academic transcripts
- Recommendation letters
- Essays
Additional scholarship resources
You're not limited to just one type of scholarship. Look into different scholarship types to find opportunities that fit your interests, background, and goals.
Scholarships by major – Browse scholarships organized by academic field, including visual arts, communications, and media programs.
Scholarships for college students – Find scholarships specifically available to students already enrolled in college programs.
Scholarships for adults – Opportunities for adult learners returning to school or pursuing creative careers.
Scholarships for women – Scholarships designed to support women pursuing higher education across many majors.
LGBTQ+ scholarships – Financial aid opportunities supporting LGBTQ+ students in a variety of academic fields.
STEM scholarships – Some technology-focused scholarships also support digital media and imaging programs.
Scholarships by state – Explore local scholarships from community organizations and regional foundations.
Your next steps
Applying for need-based scholarships is one of the best ways to make your education more affordable. Be sure to complete financial aid forms early and research scholarships for need-based students that fit your goals. Track deadlines carefully and apply broadly. Even smaller awards can meaningfully reduce your education costs.
To look beyond need-based opportunities, explore the $2,000 No Essay Scholarship, browse Scholly Scholarships, or try Scholly Easy Apply Scholarships to apply to several scholarships at once.
Frequently asked questions
What are need-based scholarships?
Need-based scholarships are financial awards given to students based primarily on their financial situation. Schools and organizations review income, assets, family size, and cost of attendance to determine eligibility. These scholarships help reduce or cover education costs for students who demonstrate financial need.
Who qualifies for need-based scholarships?
Students qualify for need-based scholarships if they can demonstrate financial need through required documentation such as tax returns or financial aid forms. Eligibility depends on household income, family size, assets, and the school’s cost of attendance. Each program sets its own criteria.
What income qualifies for need-based scholarships?
There is no fixed income cutoff for need-based scholarships. Qualification depends on total household income, family size, number of family members in college, assets, and the institution’s cost of attendance. Both low-income and some middle-income families may qualify.
Can I receive both merit-based and need-based scholarships?
Yes, students can receive both merit-based and need-based scholarships. Many colleges combine academic awards with need-based financial aid to create a complete financial aid package. Receiving one type of scholarship does not automatically disqualify you from the other.
What documents are required for need-based scholarships?
Most need-based scholarships require financial aid forms (such as the FAFSA®), tax returns, proof of income, and academic transcripts. Some programs may also request recommendation letters or a short essay. Requirements vary by scholarship provider.
How competitive are need-based scholarships?
Need-based scholarship competition varies by program. Federal and state grants are widely available to eligible students, while fully funded private scholarships are more competitive. Applying early and meeting all requirements can improve your chances.
Are there need-based scholarships that don’t require an essay?
Yes, some need-based scholarships do not require an essay. Many government grants and institutional aid programs rely only on financial documentation submitted through official aid forms. Private scholarships are more likely to request essays.
Do I need good grades to receive need-based scholarships?
Some need-based scholarships require students to maintain minimum academic standards, while others focus mainly on financial need. Highly competitive or fully funded programs may consider both financial need and academic performance.
Are need-based scholarships only for low-income families?
Need-based scholarships are primarily designed for low-income students, but some middle-income families may also qualify. Eligibility depends on overall financial circumstances, including income, assets, and the total cost of attendance.
Can international students apply for need-based scholarships?
International students can apply for some need-based scholarships, but availability depends on the institution or organization. Certain universities and private foundations offer need-based financial aid to international applicants.
Do need-based scholarships have to be repaid?
No, need-based scholarships do not have to be repaid. Unlike student loans, scholarships and grants are forms of gift aid. Students must, however, continue to meet eligibility requirements to keep receiving funds.
How often do I need to reapply for need-based aid?
Most colleges require students to reapply for need-based aid each academic year by submitting updated financial information. This ensures the school can reassess financial need based on current circumstances.
Need more money for college?
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More resources to explore

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Learn when and how to apply for the FAFSA® (Free Application for Federal Student Aid) to maximize your chances of getting federal student financial aid. Get tips now.
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