Need based scholarships

HRSA Native Hawaiian Health Scholarship Program

Due: 5/12/26 No essay
$1,626
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1 day left!

Joseph & Dorothy Headley Scholarship

Due: 5/13/26 No essay No min. GPA Required
Varies
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3 days left!

Desert Legacy Scholarship

Due: 5/15/26 No Recommendations Required
Varies
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3 days left!

Marian Wood Baird College Scholarship

Due: 5/15/26 No Transcripts Required
$15,000
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3 days left!

SU Study Abroad General Scholarship

Due: 5/15/26 No Recommendations Required No min. GPA Required No Transcripts Required
$400
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3 days left!

Smithfield Foundation Scholarship

Due: 5/15/26 No essay No Recommendations Required No min. GPA Required No Transcripts Required
Varies
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3 days left!

Dwight F. Davis Memorial Scholarship

Due: 5/15/26 No Transcripts Required
$80,000
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3 days left!

Dwight Mosley Scholarship Award

Due: 5/15/26 No Transcripts Required
$80,000
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3 days left!

Coastal Camera Club Scholarship

Due: 5/15/26 No essay No Recommendations Required No min. GPA Required No Transcripts Required
Varies
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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.

Scholly Scholarships

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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?

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?

Private student loans can help you cover additional costs for school.

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