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Sources of Financial Aid

The purpose of this section is to acquaint you with many of the federal, state, and local sources of financial aid available to help fund the cost of postsecondary education. This is not a complete listing, but it provides basic information on major programs. It also serves as a guide to initiate research of the many types of financial aid available. There are essentially four types of assistance:

Scholarships usually do not require repayment and are awarded for outstanding academic performance. They also may be given on the basis of need or other criteria.

Grants do not require repayment and usually are based on financial need only.

Loans are available at relatively low interest rates. Depending on the loan, repayment begins either as soon as the loan is received or after the student withdraws or graduates from school.

Work-Study Program Awards allow the student to earn money by working part-time, on or off campus, during the school year. Participation in the program is usually based on need.

Federal Programs

Most federal student aid is awarded on the basis of financial need. To be eligible, you must:

  • Enroll at least half-time in an institution to obtain a degree or certificate (Half-time enrollment is not required for the Supplemental Educational Opportunity Grant, College Work-Study, and Perkins Loan aid programs)
  • Have a high school diploma or GED, or have the ability to benefit
  • Be a U.S. citizen or an eligible non-citizen
  • Make satisfactory academic progress
  • Sign a statement of educational purpose
  • Sign an Anti-Drug Abuse Act certification
  • Sign a statement of Selective Service registration status

Other specific requirements are listed in more detail in The Student Guide 1994-95, published by the U.S. Department of Education. See page 104 of this section for information on how to order this publication, or contact the Federal Student Aid Information Center at (800)433-3243. The major federal programs follow.

Armed Forces Health Professions Scholarships
For information, see U.S. Military Training

College Work-Study Program
Type: Employment arranged by school.

Eligibility: Undergraduate and graduate students who are in need of financial aid and enrolled in an eligible program are qualified to apply. When assigning work hours, students class schedules, health, and academic progress are considered.

Amount of Award: Pay for employment will be at least the current federal minimum wage, but may be related to the type of work and skills required. The award will depend upon the amount of funds that the school has to distribute and the amount of aid that the student has received from other programs.

Information/Application: Contact your schools financial aid office. This is a campus-based program, with the amount of the award controlled by the school.

Department of Veterans Affairs Health Professional Scholarship Program
Type: This scholarship requires no monetary repayment, but you must fulfill a one-year service obligation at a VA medical center for each year, or portion thereof, for which the scholarship is provided. The maximum length of a scholarship award is two years.

Eligibility: Scholarship awards are available for associate, baccalaureate, and master degree nursing students in their last years of study, and for physical therapy and occupational therapy students seeking their bachelor and master degrees.

Amount of Award: Awards are made for payment of tuition, fees, and a monthly stipend for living and related expenses.

Information/Application: Contact the Health Professionals Educational Assistance Programs (143B), at the Department of Veterans Affairs, Office of Academic Affairs, 810 Vermont Avenue, NW, Washington, DC, 20420, (202)535-7528.

Tuition Reimbursement Program
Type: This program requires no monetary repayment, but you must satisfy a one-year service obligation at a VA medical center upon the successful completion of the approved course(s). The service obligation runs concurrently with full-time employment so that no service obligation will exceed 12 months after the date of the last course funded.

Eligibility: Full-time VA employees enrolled in any accredited nursing degree program may apply.

Amount of Award: Awards are made to cover tuition only.

Information/Application: Contact the Chief of Nursing Services at the VA medical center where employment is desired.

Tuition Support Program
Type: This program is administered locally by managers at VA medical centers and requires no monetary repayment. Upon graduation, recipients are obligated to work for the medical center.

Eligibility: This award is restricted to VA employees who work in or want to pursue health care occupations that have a shortage of workers.

Amount of Award: Awards are made to cover tuition and associated educational costs.

Information/Application: Contact the Chief of Personnel Services at the VA medical center where you want to work.

Pell Grant
Type: Federal grant with no repayment required.

Eligibility: Undergraduate students who are enrolled at least half-time in an eligible program are qualified to apply. Eligibility depends on need and is determined by a standard formula based on the information reported in the application. Students must sign a statement that they will not make, sell, possess, or use illegal drugs during the period covered by this grant.

Amount of Award: Awards for each academic year depend on program funding and individual student circumstances. The maximum award for the 1993-94 academic year was $2,300. Awards usually are limited to six years of study.

Information/Application: Contact the financial aid office of the school you plan to attend.

Perkins Loan
Type: This loan has an interest rate of five percent. It must be repaid beginning nine months after the student leaves school or otherwise becomes ineligible.

Eligibility: Undergraduate and graduate students who are enrolled in an eligible program are qualified to apply.

Amount of Award: Depending upon your financial need and the availability of these loan funds at the school you plan to attend, you may borrow up to:

  • $3,000 per year or $15,000 cumulative for an undergraduate
  • $5,000 per year or $30,000 cumulative for a graduate (includes undergraduate)

Information/Application: Contact your schools financial aid office. This is a campus-based program, with the amount of the award controlled by the school.

PLUS Loans and Supplemental Loans for Students (SLS)
Type: These loans have variable yearly interest rates (not to exceed ten percent for the PLUS and eleven percent for the SLS). They must be repaid immediately, beginning 60 days after disbursement.

Eligibility: Independent students or parents of dependent students enrolled at least half-time in an eligible program are qualified to apply. Financial need does not have to be proven, but borrowers may have to undergo a credit analysis.

Amount of Award:

  • The annual limit for the PLUS loan is the cost of education minus other financial aid
  • The annual limit for the SLS is $4,000 for the first and second year of undergraduate study
  • $5,000 per year for the third through fifth year of undergraduate study
  • $10,000 per year for graduate/professional education

The PLUS and SLS debt cannot exceed $23,000 as an undergraduate student and $73,000 as a graduate student, including the amount borrowed as an undergraduate.

Information/Application: Lenders are banks, credit unions, and savings and loan associations. For names of participating lenders, contact the New Mexico Educational Assistance Foundation.

For names of participating lenders contact:

New Mexico Educational
Assistance Foundation
P.O. Box 27020
Albuquerque, NM 87125-7020

(505) 345-3771 (in New Mexico)
800-279-3070 (outside New Mexico)

Stafford Loan
Type: This loan has a variable interest rate adjusted annually with a nine percent cap. It must be repaid beginning six months after the student leaves school or otherwise becomes ineligible.

Eligibility: Undergraduate and graduate students who are enrolled at least half-time in an eligible program are qualified to apply. Some borrowers may need to show Pell Grant eligibility.

Amount of Award: Depending upon your financial need and the availability of these loan funds at the school you plan to attend, you may borrow up to:

  • $2,625 per year for the first year of undergraduate study
  • $3,500 per year for the second year of undergraduate study
  • $5,500 per year for the third through fifth year of undergraduate study
  • $8,500 per year for graduate/professional education

The total Stafford Loan debt cannot exceed $23,000 as an undergraduate student and $65,500 as a graduate student, including the amount borrowed as an undergraduate.

Information/Application: Lenders are banks, credit unions, savings and loan associations, and some schools. For information and names of lenders, contact the New Mexico Educational Assistance Foundation.

Supplemental Educational Opportunity Grant
Type: Federal grant with no repayment required.

Eligibility: Undergraduate students who are enrolled in an eligible program are qualified to apply. Students must demonstrate exceptional financial need and be unable to continue their education without assistance. Priority is given to Pell Grant recipients.

Amount of Award: Awards for a given academic year may range from $100 to $1,200 depending on the availability of funds at the school and on the amount of financial aid that the student receives from other programs.

Information/Application: Contact your schools financial aid office. This is a campus-based program, with the amount of the award controlled by the school.

U.S. Department of Health and Human Services
This department administers a variety of financial assistance programs for students enrolled in health professions programs. For more information, contact the financial aid office of the school you plan to attend, or contact the Health Resources and Services Administration, Bureau of Health Professions, Student and Institutional Support Branch, Room 834, Division of Student Assistance, at Parklawn Building, 5600 Fishers Lane, Rockville, MD, 20857, (301)443-4776.

Exceptional Financial Need Scholarship Program
These are scholarships to cover all or part of the cost of tuition, fees, and related expenses for students who have exceptional financial need. The funds are awarded to students enrolled in health professions schools in allopathic or osteopathic medicine, dentistry, optometry, pharmacy, podiatry, or veterinary medicine. There is no service or financial obligation.

Financial Assistance Program for Disadvantaged Health Professions Students
This program awards scholarships to disadvantaged students (whose backgrounds prevent them from having the knowledge, skills, or abilities to enroll in school) with exceptional financial need. Scholarships can be awarded to cover the cost of tuition, fees, and related expenses. There is no service or financial obligation.

Health Education Assistance Loan
Loans, with a variable interest rate, are available for tuition, fees, and related expenses to students of allopathic or osteopathic medicine, dentistry, podiatry, veterinary medicine, optometry, public health, pharmacy, chiropractic, or in programs in health administration, clincial psychology, or allied health. Students may borrow as much as $20,000 per year, but not more than $80,000 total. Students in programs of pharmacy, health administration, clinical psychology, public health, allied health, or chiropractic studies may borrow up to $12,500 per year, not to exceed a total of $50,000. For more information, contact the Division of Student Assistance, Bureau of Health Professions, at 5600 Fishers Lane, Room 8-29, Rockville, MD, 20857, (301)443-1173.

Health Professions Student Loan Program
Loans, at an annual interest rate of five percent, are available for up to a maximum of $2,500 per academic year to cover tuition or financial need, whichever is less. The aid is available to students with exceptional financial need who attend participating schools of allopathic or osteopathic medicine, dentistry, optometry, pharmacy, podiatry, or veterinary medicine.

National Health Service Corps (NHSC) Scholarship
This competitive program is open to students of allopathic and osteopathic medicine and dentistry, and to students training to be nurse practitioners, nurse midwives, and physician assistants. The program pays for tuition, fees, books, and equipment, and provides a monthly stipend. For each year of support, the recipient is obligated to practice for one year (minimum obligation is two years) in a high-priority, healthcare-shortage area. Loans also are available. Contact the Division of Health Services Scholarships, Bureau of Health Care Delivery and Assistance, at 5600 Fishers Lane, Room 7-18, Rockville, MD, 20857, (301)495-4410, or (800)638-0824.

Nursing Student Loan Program
Loans, at an annual interest rate of five percent, are available for up to a maximum of $2,500 per academic year ($4,000 for each of the final two years) not to exceed a total of $13,000. This assistance is available to students who are enrolled full- or half-time at participating schools of professional nursing.

Scholarships for Undergraduate Education of Professional Nurses Grant Program
In exchange for providing tuition and fees to undergraduate nursing students, this program requires a recipient to work as a nurse in an eligible facility for a specified period of time. Students in nursing (associate, diploma, or bachelor programs) or nursing teaching programs are eligible. Preference is given to students with disadvantaged backgrounds.

U.S. Department of Interior
Indian Health Service Health Professions Scholarship Program
This program provides financial assistance for students pursuing health careers. Applicant must be a member of a federally- or state-recognized tribe or an Alaska Native student. Application must be made annually, and support is limited to four years. Upon graduation recipients must provide health services (as determined by the Secretary of Health and Human Services) for at least two years. Students who do not complete their education are required to repay any money received. For more information, New Mexico residents should contact Scholarship Coordinator, 505 Marquette, NW, Suite 1504, Albuquerque, NM, 87102, (505)265-1711 (local), or (800)737-8838 (statewide).

Indian Tribal Grants and Loans
More than 45 Indian tribes have established their own grant and loan programs to assist their members in financing higher education. For more information, contact the U.S. Department of Interior, Bureau of Indian Affairs, 1849 C Street, NW, Washington, DC, 20240, (202)208-4871.

Western Interstate Commission for Higher Education
Current or prospective New Mexico students who are pursuing health professions education may apply for aid from the Western Interstate Commission for Higher Education (WICHE) programs. WICHE encourages cooperation among states and institutions to improve access to higher education. It allows students to enroll in institutions and programs in other participating states at special, reduced tuition rates. The following states also participate in the WICHE program: Alaska, Arizona, Colorado, Hawaii, Idaho, Montana, Nevada, North Dakota, Oregon, Utah, Washington, and Wyoming. These states pay a supplementary fee to the school, thereby reducing the student's tuition cost. A certificate of eligibility is required from the participating state that nominates the student. For further information on this program and other WICHE programs, contact the Student Services Center at Western Interstate Commission for Higher Education, Room 261, University of New Mexico, Albuquerque, NM, 87131, (505) 277-9036.

Young Scholars Award for Minority Students
This $2,000 scholarship is based on the submission of a formal paper and awarded to a college senior accepted for graduate study in speech/language pathology or audiology. For specific competition application materials, contact the American Speech-Language-Hearing Foundation, 10801 Rockville Pike, Rockville, MD, 20852, (301)897-5700.

DID YOU KNOW?

The Veterans Administation (VA) has a variety of financial aid programs to assist
veterans with education and training. Call the VA for information:
New Mexico: (505) 766-3361
Nationwide: (800) 827-1000


State Programs

Allied Health Student Loan for Service Program
Type: Loan designed to increase the number of allied health professionals in underserved areas of the state.

Eligibility: Must be enrolled in or accepted by an accredited program for allied health professions in New Mexico, be a U.S. citizen or a permanent resident alien, and a resident of New Mexico. Student must also declare intent to practice within one of the areas of the state designated by the New Mexico Medical Shortage Area Committee as a health professional shortage area.

Amount of Award: $12,000 per year.

Information/Application: Contact the New Mexico Educational Assistance Foundation at (800)279-5063, 3900 Osuna, NE, P.O. Box 27020, Albuquerque, NM, 87125.

New Mexico Childcare Funds Grant
Type: Grant with no repayment required.

Eligibility: Student must be enrolled at least half-time, and have a 2.0 cumulative grade point average. Each institution sets up any further criteria.

Amount of Award: Amount varies as determined by institution and number of children.

New Mexico Loan for Service Programs (for health professionals)
Type: Loan to increase the number of the following health professions: Physicians, Physicians Assistants, Nursing and Osteopathy. Student must be enrolled in approved academic programs. Student must declare intent to practice medicine in a medically underserved area in New Mexico. Loans may repaid or forgiven through service. Some loans may also be available for graduate students.

Eligibility: Must be a U.S. citizen or possess a permanent resident visa, and a resident of New Mexico. Based on financial need.

Amount of Award: Amount of award depends on program.

Information/Application: Contact the New Mexico Educational Assistance Foundation for loan procedures at (800)279-5063, 3900 Osuna, NE, P.O. Box 27020, Albuquerque, NM, 87125, or your schools financial aid office.

New Mexico Medical Education Loan Repayment Program
Type: An incentive program designed to improve recruitment and retention of primary medical care providers in Health Professional Shortage Areas (HPSAs) of New Mexico.

Eligibility: Awards made under this program are to primary medical care providers at public or nonprofit public entities located in federally designated HPSAs. Eligible providers under this program include physicians (both MD and DO), Family Nurse Practitioners, Certified Nurse Midwives and Physician Assistants. All award recipients must be appropriately licensed or certified in their primary care specialty and must be employed continuously in a full-time practice (40 hours/week).

Amount of Award: The program will pay all or part of the qualifying educational loans of health professionals agreeing to provide service in federally designated HPSAs. Eligible loans are government and commercial loans for actual costs paid for tuition, reasonable education expenses, and reasonable living expenses relating to the graduate or undergraduate education of a health professional. The award amount will depend upon the location of the proposed practice, the applicants total medical education loan indebtedness, and certain characteristics of the practice. Awards to Physicians can range from $6,000 to $12,500. Awards to Family Nurse Practitioners, Certified Nurse Midwives and Physician Assistants range from $2,500 to $6,250.

Information/Application: Contact the New Mexico Educational Assistance Foundation at (800)279-5063, 3900 Osuna, NE, P.O. Box 27020, Albuquerque, NM, 87125.

New Mexico Scholars Program
Type: Scholarship

Eligibility: Outstanding high school seniors who plan to attend public non-profit four-year institutions in New Mexico as full-time, bachelor degree-seeking undergraduates are qualified to apply. Student must have graduated in upper five percent of high school class or obtained a composite score of at least 25 on the American College Test (ACT), or a combined score of at least 1020 on the Scholastic Aptitude Test (SAT). Must be a U.S. citizen or possess a permanent resident visa, and a resident of New Mexico. Combined family income of less than $30,000 per year.

Amount of Award: Tuition, books, and fees. May receive up to four annual awards.

Information/Application: Contact your schools financial aid office.

New Mexico Student Incentive Grant
Type: Grant with no repayment required.

Eligibility: Undergraduate students attending public or private institutions in New Mexico with substantial financial need. Must be enrolled at least half-time, be a U.S. citizen, and a resident of New Mexico.

Amount of Award: May range from $200 to $5,000 per year as determined by your institution.

Information/Application: Contact your schools financial aid office.

New Mexico Work Study Program
Type: Provides employment opportunities for qualified students. Employment is at post-secondary institutions, non-profit institutions, state political subdivisions, state agencies, and Commission on Higher Education aproved non-profit organizations.

Eligibility: Undergraduate or graduate students enrolled at least half-time who meet the institutions satisfactory academic progress requirements. Must be a U.S. citizen or permanent resident, and a resident of New Mexico.

Amount of Award: Pay for employment will vary with the financial need of the student, hourly wage, hours worked, as well as the availability of funds the school has to award.

Information/Application: Contact your schools financial aid office.

SE New Mexico Minority and Handicapped Teachers Loan for Service Program
Type: Loan to meet the need for minority and physically challenged educators to serve as role models for southeast (SE) New Mexico. Must declare intent to provide service at a public institution in SE New Mexico. Loans may be forgiven through service or repaid.

Eligibility: Must be a U.S. citizen or permanent resident visa, a resident of New Mexico, and a current or former resident of SE counties. Must also be a member of an underrepresented ethnic group or physically challenged

. Amount of Award: $4,000 per year.

Information/Application: Contact your schools financial aid office.

Three (3) Percent Scholarship Program
Type: The Three (3) Percent Scholarship is a gratis scholarship for undergraduate or graduate students who are New Mexico residents and who possess satisfactory initiative, and good moral character and scholastic standing.

Eligibility: Student must be enrolled at a public post-secondary institution in New Mexico, and at least one third (1/3) of the scholarships must be based on financial need per Need Analysis Form.

Amount of Award: Tuition and fees.

Information/Application: Contact your schools financial aid office.

Other Sources

Organizations
Many organizations and clubs at the local, state, and national levels, have a long tradition of helping students by providing financial aid and educational counseling. To begin your search, contact organizations that you or members of your family belong to in your community, including:

  • Youth groups, such as Boy Scouts, Girl Scouts, 4-H Clubs, YMCA/YWCA, Explores, etc.
  • Civic, fraternal, or service organizations, such as the American Legion, Chamber of Commerce, Rotary, Jaycees, Kiwanis, Lions, Optimists, etc.
  • Special interest organizations, such as womens clubs and religious or ethnic organizations.
  • Businesses, corporations, labor unions, charitable organizations, and foundations. Some programs may be restricted to employees or their families, but not all of them. Check with your employer or your parents employer or union.

Hospitals and Hospital Auxiliaries
These organizations may pay for books and tuition for enrollees in their hospital health careers programs. Scholarships may require a service obligation to the hospital. In addition, some hospitals may offer scholarships at local colleges and vocational schools that provide health career training.

Professional Health Organizations
National, state, and local chapters of professional organizations often sponsor financial aid programs for the individual health occupations they represent. See the Sources of More Information section in this manual, pages 96 and 97, for associations to contact for further career information, or consult your local public library.

Health-Related Companies
Examples of health-related corporations are drug manufacturers, health care products companies, hospital supplies distributors, and health insurance companies. Contact these businesses for information about possible financial aid offers.

Cooperative Education
Cooperative Education, with paid employment while attending school, integrates a students academic and career interest. Through paid work experiences, the cooperative education plan makes a college education affordable and prepares students for future jobs. For more information, contact the admissions office or cooperative education office of the school you wish to attend, or contact the National Commission for Cooperative Education at 360 Huntington Avenue, Boston, MA, 02115, (617)373-3778.

DID YOU KNOW?

Not all health-related careers require a college degree. Educational requirements vary
according to profession and an employer's needs. Some professions require a high school
diploma and a few months of training, while others require a doctoral degree

Other Resources

The following is a list of publications you may wish to order, or refer to at your local library or counselors office.

Applying for Financial Aid, 1994-95, (4 pp.) Free

Available from the American College Testing Service, this newspaper covers basic information for students and parents. Sample calculations and sources of financial aid are provided. To order a copy, contact ACTS, Educational Services Division 11J, 2201 North Dodge Street, P.O. Box 168, Iowa City, IA, 52243, (319)337-1000.

The As and Bs of Academic Scholarships, revised annually, (140 pp.), $7.00 plus $2.00 postage and handling
This book includes a listing of academic scholarships offered by U.S. colleges and universities. To order a copy, contact Octameron Associates, P.O. Box 2748, Alexandria, VA, 22301, (703)836-5480.

The College Financial Aid Emergency Kit, 1994-95, (40 pp.,) $5.95 includes postage and handling
This booklet provides the very latest financial aid information for students headed to college. To order a copy, contact Sun Features, Inc., Box 368, Cardiff, CA, 92007.

Directory of Financial Aid for Minorities, 1993-95, (649 pp.), $47.50 plus $4.00 postage and handling
This book includes nearly 2,000 scholarships, fellowships, loans, grants, awards, and internships designed primarily or exclusively for minorities, plus state sources of educational benefits and reference sources on financial aid. To order a copy, contact Reference Service Press, 1100 Industrial Road, Suite 9, San Carlos, CA, 94070, (415)594-0743.

Directory of Special Programs for Minority Group Members, 1990, (348 pp.), $30.00 or $27.00 if prepaid, includes postage and handling
This book includes information on scholarships, fellowships, loans, job training and retraining, internship options, occupational information, and career guidance for minority group members. To order a copy, contact Garrett Park Press, P.O. Box 190A, Garrett Park, MD, 20896, (301)946-2553.

Dont Miss Out: The Ambitious Students Guide to Financial Aid, 1994-95, (120 pp.), $7.00 plus $2.00 postage and handling
This booklet provides strategies, helpful hints, and lists of many lesser-known sources of financial assistance. To order a copy, contact Octameron Associates, P.O. Box 2748, Alexandria, VA, 22301, (703)836-5480.

Financial Advice and Health Careers Resources Directory for Minority Students, 1994, (34 pp.), Free
This booklet includes information on financial aid, and lists financial aid resources for minority health professions students. To order a copy, contact Health Professions Career Opportunity Program, 1600 Ninth Street, Room 441, Sacramento, CA, 95814, (916)654-1730.

Financial Aid for Graduate and Professional Education, 1993, (13 pp.), $2.35 plus $1.00 postage and handling
This brochure covers when to apply, types of aid, and debt management. To order a copy, contact Petersons, P.O. Box 2123, Princeton, NJ, 08543, (800)EDU-DATA.

Financial Aid for Minorities in Health Fields, 1994, (90 pp.), $4.95 includes postage and handling
This book lists programs in the health field that offer financial aid or other assistance to help minority students. To order a copy, contact Garrett Park Press, P.O. Box 190B, Garrett Park, MD, 20896, (301)946-2553.

Financial Aid for Students With Disabilities, (12 pp.), Free
Produced by the HEATH (Higher Education and Adult Training for people with Handicaps) Resource Center, this publication contains information on special programs for students with disabilities. To order a copy, contact HEATH, American Council on Education, One DuPont Circle, NW, Suite 800, Washington, DC, 20036-1193, (202)939-9320 or (800)544-3284.

Other sources that maintain information about financial aid opportunities include:

  • Public and state libraries
  • High school guidance offices
  • School libraries
  • College, university, or proprietary or professional schools financial aid and admissions offices
  • College career planning offices
  • Health professions departments within a proprietary school, college, or university

Financial Aid Guide, 1994-95, (200+ pp.), $22.47 plus $2.47 postage and handling
This book provides information on approximately 1,350 financial aid programs offered nationally or regionally, primarily by non-collegiate, public, and private organizations. Also, state-sponsored programs and programs offered by labor unions are listed. A cross-reference guide is included. To order a copy, contact Chronicle Guidance Publications, Inc., 66 Aurora Street, P.O. Box 1190, Moravia, NY, 13118-1190, (315)497-0330.

Financing a Future, 1990, 10-minute VHS videotape, $40.00 plus $3.95 handling, postage varies
Focusing on parents of school children, this video gives pointers on how to finance a childs education. To order a copy, contact the College for Publications, P.O. Box 886, New York, NY, 10101, (212)713-8165.

Need a Lift? Educational Opportunities, Careers, Loans, Scholarships, and Employment, 1994, (120 pp.), $2.00 prepaid for individuals, free for schools and libraries
This handbook provides a thorough listing of financial aid opportunities for all students, with an emphasis on programs available to children of deceased and disabled veterans. It lists many financial aid programs for health careers, as well as career education resources. References provide a great number of sources of aid, except those at the local level. To order a copy, contact the Department Adjutant, American Legion, 1805 Chantilly Street, Richmond, VA, 23230, (804)353-6606.

Resource Guide for Returning Adult Students, 1994, (47 pp.), Free
This booklet contains information on financial aid, scholarships, and community resources. To order a copy, contact Educational Options Information Campaign, P.O. Box 27020, Albuquerque, NM, 87125-7020, (505)344-8991, or (800)279-9777.

Sources of Financial Aid Available to American Indian Students, 1994, (84 pp.), $3.50 includes postage and handling, free to New Mexico and Arizona residents
This booklet lists sources of financial aid for Native American college students and prospective college students. It also lists job opportunities for Indian college students. To order a copy, contact Indian Resource Development, Box 30001, Department 3IRD, Las Cruces, NM, 88003, (505)646-1347.

The Student Guide: Financial Aid from the U.S. Department of Education, 1994-95, (54 pp.), Free
This guide contains information about federal student aid programs and how to apply for them. To order a copy, contact the Federal Student Aid Information Center, P.O. Box 84, Washington, DC, 20044, (800)433-3243.