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Grants - A grant is perhaps the best kind of college financial aid because, by definition, it is a gift that your student doesn't have to repay. Most grants are need-based, which means they are awarded based on the senior's income and other financially related factors.

Scholarships - A scholarship is a particular type of grant, awarded on the basis of a senior's grade point average, athletic skills, other measures of academic merit or some other talent/factor. Your senior doesn't need to be valedictorian or a star athlete to win a scholarship. Having a high grade point average helps, but the key to success is determination. There are literally thousands of scholarships out there. It can take a great deal of time and effort to find and apply for scholarships.

Student Loans - While you may make too much money for your student to qualify for a grant, everyone qualifies for some type of financial aid such as a student loan. Many factors play a role in determining financial aid, including the cost of college. If your student attends a high-cost college, chances are they will receive more aid than if they attend a lower-cost college.

Student Loans - While you may make too much money for your student to qualify for a grant, everyone qualifies for some type of financial aid such as a student loan. Many factors play a role in determining financial aid, including the cost of college. If your student attends a high-cost college, chances are they will receive more aid than if they attend a lower-cost college