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2015-2016 Student Handbook 35 Types of Financial Aid Institutional Aid Descriptions and application steps for all available grants and scholarships are published in the Scholarship Application Packet and the Academic Catalog. Federal Student Loans The Financial Aid Office is committed to helping students understand the various implications of student debt both in school and long-term. The Loan Management page is designed to help students consider all aspects of debt management, including but not limited to (1) average anticipated salaries, (2) recommended debt-to-income ratios, (3) estimated monthly payments and (4) various repayment plan options. The Direct Unsubsidized Loan is the primary federal student loan program available to graduate students. Students who need additional assistance beyond the Direct Unsubsidized Loan are encouraged to consider the Direct Graduate PLUS Loan program prior to pursuing alternative loan programs from private lenders. Federal Work Study Students with high financial need are encouraged to apply for a variety of Federal Work Study positions available at Denver Seminary. Application steps include completing a FAFSA and applying for the position. All work study position are listed on the Employment page of Denver Seminary's website. Veteran's Educational Benefits Denver Seminary works with the Department of Veterans Affairs to ensure that eligible recipients of veterans' educational benefits obtain available assistance, including the following programs: Post-9/11 GI Bill, Montgomery GI Bill, Vocational Rehabilitation, Survivors and Dependents Education Assistance, and Tuition Assistance. Additional details on these programs are published through the VA here. External Scholarships External scholarship resources, including scholarship search engines, are posted on the Grants & Scholarships page of the website. Application Applying for financial aid begins with completing a Free Application for Federal Student Aid (FAFSA) and a Scholarship Application Packet. The FAFSA determines eligibility for federal loans, federal work study, seminary grants and need-based scholarships. Both forms must be completed on an annual basis in order to maintain eligibility for all financial aid, with exception of renewable scholarships.