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… by federal and state governments, as well as public and private organizations in the form of grants, fee waivers, part-time employment, loans, and scholarships. The funds are available to make it possible for students to continue their education beyond high school, even if they and their families cannot meet the full cost of attending college. The basis for such assistance is the belief that the students (and their contributors) have the primary responsibility for meeting their educational costs.  … Is financial aid money that I have to pay back? … …