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The world of financial aid can be a scary place. Yet it need not be. Financial Aid, in it's very essence is a way to help people financially. However, very often people fail to grasp what financial aid actually is. Ultimately, financial aid is anything that can help a student in the payment of their tuition and fees. It can be a scholarship, grant, loan or federal workstudy.  While many students may be reluctant to take out a student loan, these should not be discounted as very often a loan can help bridge the gap and become the difference for a student for attending and not attending the university.