The federal grant programs are aimed at the neediest students, and provide aid that does not have to be repaid.

Pell Grants are awarded only to undergraduate students who do have not earned bachelor's or professional degrees. Awards for the 1999-2000 academic year will depend on Congress. However, last year the maximum amount was $3,000. The average grant was $1,700.

How much you get will depend not only on your financial need, but also on your cost of attending school, whether you are a full-time or part-time student, and whether you attend school for a full academic year or less.

Your school can apply Pell Grant funds to your school costs, pay you directly, or a combination of both.

The FSEOG program provides grants to low-income students, and generally helps supplement the aid they receive from Pell Grants and other sources. Federal funds provide for 75 percent of the award; the college or university contributes the remainder.

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