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Best Colleges for 3.7 GPA + 28 ACT Merit Aid

88 U.S. colleges where a 3.7 GPA and 28 ACT unlock automatic merit aid, with award names, amounts, and stacking rules from each school's published policy.

Verified Jun 202618 days ago· MP

What this page shows

88 schools where a 3.7 GPA + 28 ACT clears at least one published automatic-merit tier.

These are not generic “you'll qualify for something” pages. Every school below has a published rule the student would clear with their actual stats, plus the school’s own outside-scholarship treatment so families can see which awards are worth chasing on top. Schools without a published automatic tier at this profile aren’t listed.

Schools matching 3.7 GPA + 28 ACT

  1. Alabama

    Alabama · Public

    UA Collegiate Scholarship

    $10,000/year

    Renewable: Renewable for up to 8 semesters with a cumulative 3.0 UA GPA AND completion of at least 67% of cumulative UA credit hours attempted

  2. Auburn

    Alabama · Public

    Spirit of Auburn University Scholarship

    $5,000/year ($20,000 over 4 years)

    Renewable: Renewable for up to 8 semesters with a minimum cumulative, unadjusted 3.0 Auburn GPA and 24 Auburn credit hours earned per academic year

  3. Oklahoma

    Oklahoma · Public

    Non-Resident University Scholarship

    $52,000 total ($13,000/year × 4 years)

    Renewable: Renewable with a 3.0 cumulative GPA, full-time enrollment, and 24 credit hours per academic year

  4. Ole Miss

    Mississippi · Public

    STEM Major Non-Resident Scholarship

    $8,000 total ($2,000/year toward the non-resident fee)

    Renewable: Renewable over 4 years

  5. Mississippi State

    Mississippi · Public

    Freshman Academic Excellence Scholarship (Mississippi residents)

    $1,000–$10,500/year based on HS GPA × ACT grid (see notes for full chart)

    Full 2025-2026 resident chart by HS GPA × ACT band. 3.0–3.29 GPA: 21–24 ACT = $1,000/yr; 25–29 ACT = $2,000; 30–32 ACT = $3,000; 33–36 ACT = $4,000. 3.30–3.59 GPA: 21–24 ACT = $1,500; 25–29 ACT = $2,500; 30–32 ACT = $5,000; 33–36 ACT = $6,000. 3.6+ GPA: 21–24 ACT = $3,500; 25–29 ACT = $5,000; 30–32 ACT = $8,000; 33–36 ACT = $10,500. Students scoring 34+ ACT (or SAT equivalent) additionally receive a one-year scholarship valued at the cost of their portion of a double-occupancy residence hall room on top of the FAES amount.

    Renewable: Renewable for up to 8 semesters with a 3.0 cumulative college GPA and continuous full-time enrollment (12 credit hours per semester at MSU)

  6. Oklahoma State

    Oklahoma · Public

    In-State University Assured Academic Excellence Award

    $750/year at the GPA-only floor up to $3,000/year at 3.75+ GPA with 32+ ACT / 1420+ SAT. See notes for the full grid.

    Full 2026-27 resident grid by HS GPA × test-score band. 3.75–4.0+ GPA: 24–25 ACT = $2,000/yr; 26–27 ACT = $2,250/yr; 28–29 ACT = $2,500/yr; 30–31 ACT = $2,750/yr; 32–36 ACT = $3,000/yr. 3.5–3.74 GPA: 24–25 ACT = $1,500/yr; 26–27 ACT = $1,750/yr; 28–29 ACT = $2,000/yr; 30–31 ACT = $2,250/yr; 32–36 ACT = $2,500/yr. 3.0–3.49 GPA: 24–25 ACT = $1,000/yr; 26–27 ACT = $1,250/yr; 28–29 ACT = $1,500/yr; 30–31 ACT = $1,750/yr; 32–36 ACT = $2,000/yr. GPA-only alternative: 3.5–4.0+ GPA without a test score = $1,000/yr; 3.25–3.49 GPA without a test score = $750/yr. Students may also receive a $250 or $500/year unmet-need bonus on top of the grid award based on FAFSA need level.

    Renewable: 4-year partial tuition waiver. Renewal subject to the published GPA and full-time enrollment terms.

  7. Arizona

    Arizona · Public

    Arizona Tuition Award (non-resident)

    $4,000–$20,000 per academic year range. Comprised of the Arizona Excellence Tuition Award and Arizona Distinction Tuition Award subtiers, which are not separately priced cell-by-cell on Arizona's published terms and conditions.

    The Arizona Tuition Award is published as a $4,000–$20,000/year range, not a cell-by-cell GPA × test grid. Awards are comprised of Arizona Excellence and Arizona Distinction components that are combined at award time. The November 1 Early Action deadline is the priority window for maximum consideration. 2026-27 program names are confirmed but dollar amounts are not yet published; 2025-26 figures above should be used for modeling until Arizona publishes the new cycle.

    Renewable: 8 consecutive semesters (fall + spring only). Initial offers are based on self-reported grades at admission; final awards are finalized after admissions grade verification.

  8. Kentucky

    Kentucky · Public

    Provost Scholarship (Kentucky residents)

    $2,500/year at 3.30 GPA + 26 ACT / 1230 SAT; $5,000/year at 3.30 GPA + 28 ACT / 1300 SAT

    Provost is the resident-only tier that sits below Presidential. The 28 ACT breakpoint doubles the annual award from $2,500 to $5,000, so a 27 ACT student lifting to 28 picks up $2,500/year in additional aid. The 3.30 GPA floor is consistent across both test-score tiers.

    Renewable: Renewable for up to 4 years subject to the published GPA and enrollment terms

  9. ASU Barrett

    Arizona · Public

    NAMU Dean's Scholarship (non-resident)

    $13,500/year ($54,000 over 4 years)

    Verified via ASU's scholarship estimator for a non-resident 3.6 GPA / 26 ACT profile (Fall 2026 amounts).

    Renewable: Renewable for up to 8 consecutive semesters with a 3.0 cumulative ASU GPA and 30 ASU credit hours per academic year.

  10. Nebraska

    Nebraska · Public

    Chancellor's Tuition Scholarship (in-state)

    Up to $8,000/year (up to $4,000/semester) toward UNL tuition for up to four years

    Selection is on a holistic review on top of the academic floors. Stacks with departmental and Honors awards subject to UNL's COA cap.

    Renewable: ≥ 12 UNL credit hours per semester (registered by the sixth day of classes), 24 successfully completed credits per year, and a 3.500 cumulative GPA. National Merit Scholars receive an additional $500 stipend from the National Merit Corporation funded by the Cooper Foundation.

  11. Georgia Tech

    Georgia · Public

    Zell Miller Scholarship (Georgia residents)

    100% of standard in-state tuition rate (up to $10,512/year for 2025-26)

    The full-tuition tier of Georgia's lottery-funded merit ladder. Pays at a higher per-credit rate than HOPE (covers tuition rate increases up to 100%). For Georgia residents who hit the threshold, Zell Miller is the closest thing GT has to an automatic full-tuition scholarship. National Merit Semifinalists from Georgia who qualify for Zell Miller still need to apply for the GT Application for Scholarships and Financial Aid (GT App) to be considered for institutional supplements.

    Renewable: Cumulative 3.30 GPA required at each post-graduation review checkpoint. If GPA falls below 3.30 but stays above 3.0, the student steps down to HOPE Scholarship rates rather than losing all state aid.

  12. Iowa State

    Iowa · Public

    Forever Scholar (Iowa Resident)

    $2,000/year × 4 = $8,000 total

    Middle tier of the Iowa-resident automatic ladder. Not stackable with Loyal or True Scholar.

    Renewable: Renewable for up to 4 years with full-time enrollment + cumulative ISU GPA ≥ 2.50, fall and spring only

  13. Anderson

    South Carolina · Private (religious)

    AU Merit-Based Scholarships (President's / Founder's / Provost's / Dean's / AU Grant)

    $12,000-$18,000

    FAQ confirms: 'Each incoming freshman is automatically awarded the highest level of our merit-based scholarships that he or she qualifies for' and 'you do not need to apply for these.' Only ONE of the five awards may be received.

    Renewable: Scholarships for first-time freshmen are renewable for up to 8 consecutive semesters of full-time undergraduate AU enrollment (12 or more credits each semester). Student must meet SAP to renew these awards.

  14. Arkansas State

    Arkansas · Public

    A State Inspire

    $6,000

    Renewable: Maintain 3 GPA

  15. Arkansas Tech

    Arkansas · Public

    First-Time Student Academic Scholarship (5-level grid)

    $1,000-$12,000/year

    Award amounts may be reduced based on funding availability. Levels 4 and 5 require on-campus housing for the FULL amount (off-campus students receive the reduced figure). Only one Academic Scholarship may be received per semester.

    Renewable: Renewable for seven consecutive semesters after the first (or until degree completion), provided renewal requirements are met; awarded as funds remain available. Scholarships are for consecutive fall/spring terms only (not summer) and must be used the fall semester following high school graduation.

  16. Vice Principal Scholarship

    $8,000 per year ($32,000 over 4 years)

    Automatic, non-competitive grid tier. No separate application. Does not stack with other grid tiers.

    Renewable: Renewable for up to four years contingent on full-time enrollment and a maintained minimum cumulative institution GPA of 3.0 or higher.

  17. Belhaven

    Mississippi · Private (religious)

    President's Scholarship for First-Year Students

    $17,000-$17,500 per year

    Highest automatic academic (merit) tier. $5,000 of the award is applied toward campus housing and the remainder toward educational expenses. Belhaven evaluates the award using high school GPA and ACT/SAT scores — no separate scholarship application.

    Renewable: Renewable up to 5 years (or 10 semesters) if the student is full-time and maintains satisfactory academic progress.

  18. Calvin

    Michigan · Private (religious)

    Provost's Scholarship

    $16,000 per year

    Renewable: Renewable automatically for up to five years with Satisfactory Academic Progress (Fall 2026 and later).

  19. Centenary (LA)

    Louisiana · Private (religious)

    Dean's Scholarship

    Starts at $25,000/year

    Amount from the front-facing freshman tuition-aid grid. The institutional-scholarships policy page lists a Dean's tier with weighted core GPA 3.4, ACT 25/SAT 1210 and 'amounts vary' — a stat/amount conflict noted in Section C.

    Renewable: Renewable for three years for full-time students who maintain the required cumulative GPA designated for the scholarship; monitored every semester.

  20. Coastal Carolina

    South Carolina · Public

    President's Scholar Award

    $5,000 per year (in-state) / $13,000 per year (out-of-state)

    Holistic review using cumulative weighted/unweighted HS GPA and an institutionally calculated 'core' GPA; profile thresholds are guidelines, not a hard automatic cutoff for every applicant.

    Renewable: Renewable up to four continuous years (eight semesters); 30 credits and 3.0 CCU cumulative GPA per year, full-time enrollment required.

  21. CSU Pueblo

    Colorado · Public

    Promising Scholar (Automatic Merit)

    $3,000 per year

    Automatic for first-time freshmen; no separate application. Submit application, transcripts, and ACT/SAT scores (if applicable) by May 1. Cannot be combined with other institutional scholarships except the First Generation Scholarship.

    Renewable: Renewal GPA (CSU Pueblo): 3.0. Renewable up to 3 additional years with the GPA above and full-time enrollment.

  22. Concordia College (Moorhead)

    Minnesota · Private (religious)

    Excellence Scholarships

    $13,000-$19,000

    Annual values $13,000-$19,000 ($49,000-$73,000 over four years). Amounts shown are for students enrolling for the first time in Fall 2026 (the 2026-27 grid for Fall 2026-27 entry was not posted at access time; see Section C). Scholarship levels are NOT reevaluated after a comprehensive financial aid package is received.

    Renewable: Catalog: merit/performance scholarships may be funded 'for a maximum of eight consecutive semesters or until graduation, whichever comes first, provided the student meets the necessary renewal criteria and Satisfactory Academic Progress guidelines.' Institutional scholarships require full-time enrollment (minimum 12 credits) and are only available fall and spring semesters.

  23. Covenant College

    Georgia · Private (religious)

    Thistle Scholarship

    $18,000

    Numbers given are the AVERAGE recipient profile, not a published cutoff.

    Renewable: Renewal GPA/terms not stated on the scholarships & aid page.

  24. Dillard

    Louisiana · Private (religious)

    Presidential Scholarship

    Full Tuition

    Second-highest tier. Covers full tuition (not room & board). Top Tier (University + Presidential) awards are limited and given on a first-come basis; both require the essay. Amounts 'reviewed and subject to change annually.'

    Renewable: Scholarship/Grant Agreement lists Presidential renewal as 3.2 GPA / 24 hrs.: 'Presidential Scholarship (3.2/24 hrs.)' — maintain that cumulative GPA at the end of each spring term and earn at least 24 semester hours per year. Supports up to eight semesters.

  25. ENMU

    New Mexico · Public

    New Mexico Freshman Academic Scholarship (In-State grid)

    $2,600-$5,400 per academic year

    Automatic stat-based grid (no separate scholarship application stated; reviewed from the admission file). Award and renewal length vary by ACT/SAT/GPA tier.

    Renewable: May be renewed for a total of two or eight consecutive semesters with 3.0 GPA and 15 credit hours each semester. Top stat tiers renew up to four years; the lowest tiers (3.0-3.49 GPA or 20-21 ACT/1030-1090 SAT) renew the FIRST YEAR only.

  26. Emporia State

    Kansas · Public

    Freshman Presidential Scholarship

    $1,250-$3,000 per year

    Automatic on stats. Award is the higher qualifying band of GPA OR ACT. Amounts shown are per year. Official transcripts must be received by the 20th day of the start semester.

    Renewable: Renewable for three years after the first academic year when the student maintains a 3.0 or higher ESU GPA and completes 24 ESU credit hours each year. Spring-entry freshmen get half the award in spring and may renew for seven additional semesters.

  27. Francis Marion

    South Carolina · Public

    Academic Distinction Award (Automatic Minimum)

    Minimum $1,000 per year

    Awarded automatically to accepted SC resident first-time freshmen who meet all three criteria. Merit-based scholarships are awarded in rounds; higher amounts are given in earlier rounds. Early application is strongly encouraged. The $1,000 is stated as the minimum; actual award may be higher depending on application timing and competition.

    Renewable: Competitive academic scholarships are renewable; specific renewal GPA for this tier not published on the page. General university scholarship renewal terms referenced in award letter: limits on total scholarships/grants may apply per a signed Terms & Conditions form.

  28. Freed-Hardeman

    Tennessee · Private (religious)

    Merit Scholarships

    $4,000-$12,000 per year

    Headline on the page reads 'MERIT SCHOLARSHIPS (up to $12,000 annually)'; body states range $4,000-$12,000. A January 2024 FHU news article gives an older range of $3,000-$11,000 — superseded by the current page. Subject to a $15,000/yr institutional cap on total unfunded institutional aid.

    Renewable: First-time freshmen and students who transfer fewer than 30 hours must maintain at least a 2.75 cumulative GPA during the first academic year; upperclassmen and students who transfer more than 30 hours must maintain a 3.0 cumulative GPA. Reviewed after each semester.

  29. Georgia College

    Georgia · Public

    Distinguished Scholars Award (out-of-state tuition scholarship)

    Approximately $81,304 for four years or $20,326 per year

    Covers the out-of-state portion of tuition (the gap between in-state and out-of-state tuition). 'For Fall 2026, a non-Georgia resident who has one of the minimum scores below could be selected as a Distinguished Scholar.' No separate application. First-come, first-served until funds run out. Award amounts are based on out-of-state tuition rates and eligibility criteria may change each year.

    Renewable: Page states 'With the ability to renew annually, it's a powerful investment in your academic future.' The specific renewal GPA/SAP standard is not stated on the admissions page.

  30. Grambling State

    Louisiana · Public

    Academic Achievement Scholarship — In-State (Graduates of Louisiana High School)

    $3,000-$7,683/year; top tier (28+ ACT/3.5 GPA) adds Traditional Dorm charges if on campus (page shows combined totals with TOPS of $8,539.75-$13,622.75/year)

    If the 28+ ACT student resides off campus, the scholarship amount is $7,683 (the dorm-charge component applies only on campus). TOPS column is shown for illustration; TOPS eligibility is determined by LOSFA, not Grambling. Renewal requirements are not published on the page.

    Renewable

  31. Hampton

    Virginia · Private

    Hampton University Merit Scholarship

    $10,000-$25,000 per academic year

    Automatic on stats: no separate scholarship application is required if the completed admission application is submitted by the Nov. 15 Early Action deadline. The deciding factor in the award amount is the standardized test score, so test-optional applicants are excluded from merit consideration. Hampton states it no longer uses named tiers (Trustee, Presidential, etc.).

    Renewable: Renewable for three consecutive years beyond the first year, provided the student attains a cumulative 3.0 grade point average by the end of the spring semester each academic year.

  32. Jacksonville State

    Alabama · Public

    Gamecock Tradition (Test Score + GPA)

    $3,000–$9,000/year

    GPA 2.00–2.99 = $3,000/yr; GPA 3.00–3.24 = $5,000/yr; GPA 3.25–3.49 = $7,000/yr; GPA 3.50–3.74 = $8,000/yr; GPA 3.75–4.00 = $9,000/yr.

    Renewable: Renewable for 8 semesters (4 years); must earn 24 institutional credit hours per academic year and maintain the institutional GPA listed in the scholarship contract; must be enrolled full-time (12+ hours) each semester; no summer terms.

  33. John Brown University

    Arkansas · Private (religious)

    Assured Merit Award (first-time students)

    $6,000-$13,000 per year

    Fully automatic. You may receive only one Assured Merit Award and JBU automatically awards the highest amount for which you qualify. The published grid: 3.8-3.89 GPA / 28 ACT / 1300-1320 SAT / 93-94 CLT = $13,000; 3.7-3.79 / 27 / 1260-1290 / 89-91 = $12,000; 3.6-3.69 / 26 / 1230-1250 / 86-88 = $10,000; 3.4-3.59 / 24-25 / 1160-1220 / 79-85 = $8,000; 3.2-3.39 / 21-23 / 1090-1150 / 67-78 = $7,000; 3.0-3.19 / 20 / 1020-1080 / 63-66 = $6,000. The 3.9+ / 29+ / 1330+ / 95+ row is 'Invited to Scholarship Competition' rather than a dollar amount (see Chancellor's/Presidential tiers).

    Renewable: Academic scholarships are renewable for up to eight semesters so long as you maintain a 3.0 GPA.

  34. Kansas State

    Kansas · Public

    Wildcat Traditions Scholarship (Kansas resident)

    $2,500/year ($10,000 total)

    Mid-tier Kansas resident award; the 3.50-3.69 GPA row earns Wildcat Traditions across the 22-24, 25-28, and 29+ test columns.

    Renewable: Renewable up to three additional years (four years, eight semesters total) with a minimum K-State cumulative 3.0 GPA, continuous full-time enrollment, and 24 K-State credit hours per year.

  35. Lander

    South Carolina · Public

    Trustee's Award — In-State

    $4,500/year

    Grid labeled '2025-2026 Requirements' — stale-risk flag.

    Renewable: Must maintain cumulative 3.0 GPA and complete 24 semester hours per academic year. Renewable up to four years.

  36. Lee University

    Tennessee · Private (religious)

    Presidential Scholarship (general merit)

    Starts at $7,500 per year

    Top tier of Lee's general merit scholarship; the page describes a 28 ACT / 3.5+ HS GPA average recipient. 'Starts at $7,500' suggests amounts can run higher toward the published $10,000 ceiling of the general merit range. Note the historic Centennial add-on ($5,000/yr) was tied to Presidential Scholars who began Fall 2020-Fall 2022; current full-tuition Centennial is a separate competitive process (see below).

    Renewable: Renewable for a maximum of four years or eight semesters; requires a minimum 3.0 cumulative college GPA and continuous full-time enrollment.

  37. LSU Shreveport

    Louisiana · Public

    Purple And Gold

    $2,000

    One-time award

  38. MacMurray College

    Illinois · Private

    Trustee Achievement Scholarships

    Up to $17,500

    Renewable: Maintain 2.8 GPA

  39. Marshall University

    West Virginia · Public

    Board Of Governors Scholarship

    $4,000

    One-time award

  40. MSU Texas

    Texas · Public

    Freshmen Outstanding (general academic merit)

    $1,500 per year

    Automatic on stats; meet any one of the three criteria.

    Renewable: Renewal duration/GPA not published for the freshman grid (see Section C).

  41. MSU Northern

    Montana · Public

    Merit Scholarship Program — middle tier (in-state)

    $1,500 per year

    Automatic, earned at admittance; no separate application. Same renewal terms (3.25 GPA, full-time) as the other Merit Scholarship tiers.

    Renewable: Renewable for all four years of the degree if a minimum cumulative GPA of 3.25 and full-time status are maintained.

  42. Morehead State

    Kentucky · Public

    SOAR Higher Scholarship (West Virginia Students)

    Full tuition

    Full tuition for WV students with 3.0 GPA and 21 ACT. Labeled 'Automatic' on page. Full tuition = $10,192/yr (2025-26 in-state rate, but WV students pay out-of-state; confirm whether full out-of-state tuition or equivalent — page says 'Full tuition' without specifying in/out rate).

    Renewable: Scholarships require on-campus housing for a minimum of 4 semesters (WV section note). 50% reduction if housing requirement not met. Must be enrolled full-time.

  43. New Mexico State

    New Mexico · Public

    Out-of-State Competitive Tuition Discount (Freshman)

    Up to $18,326/year toward reducing non-resident tuition

    This is a tuition discount (reduces non-resident tuition), not a cash stipend. Can stack with a merit scholarship (e.g., 1888 + this discount = $20,326 in aid). Limited availability.

    Renewable: 3.5 cumulative GPA and pass 30 new credits per academic year. Must enroll in, and attempt, 15 new Las Cruces campus credits per semester.

  44. New Mexico Tech

    New Mexico · Public

    Out-of-State Tuition Reduction Scholarships (WUE Plus / WUE / CORE / Competitive / Tuition Reduction Agreement)

    Reduced tuition rate (resident or 150% of resident)

    These are tuition-RATE reductions, not cash. WUE Plus, Competitive, and CORE bring the student to resident tuition rates; WUE and the Tuition Reduction Agreement bring 150% of resident rates. IMPORTANT: recipients of these out-of-state tuition reductions also qualify for a GPA-based merit scholarship (a sanctioned exception to the one-scholarship rule).

    Renewable: Renewable up to four years (three years for transfer recipients).

  45. North Greenville

    South Carolina · Private (religious)

    NGU Academic Scholarships (Founder's / President's / Dean's)

    $5,000-$12,000

    Explicitly automatic: 'You don't need to apply for academic scholarships; just apply to NGU! These scholarships are automatically awarded if you qualify.' Grid is labeled 2026-2027.

    Renewable: Merit scholarships are renewable for up to four years while student maintains required GPA: Founder's and President's require maintaining a 3.0; Dean's requires maintaining a 2.75.

  46. Northeastern State

    Oklahoma · Public

    Automatic Tuition Waiver Scholarships (Collegiate Scholars / Valedictorian Scholars / Green & White Scholars)

    $1,400-$2,200 per year

    Page calls these 'Automatic Scholarships' — awarded without separate application if admitted by the deadline and qualified. Tuition waivers, in-state students only.

    Renewable: Stated duration is 4 years; specific renewal GPA/credit conditions are not published on the page.

  47. Northern State (NSU)

    South Dakota · Public

    WolfPACT unleashed — ACT 28-36 / SAT 1300+ grid

    $10,000-$16,000 total over four years

    Renewable: Same WolfPACT policies: 3.0 cumulative GPA; suspension/reinstatement; eight consecutive semesters; first bachelor's; canceled on transfer.

  48. Northwest Missouri State

    Missouri · Public

    Admission-Based Freshman Scholarships (Merit-Based Scholarship Chart: Provost, Dean's, Distinguished, Academic Excellence, University Scholar, Northwest Merit)

    $1,000-$6,000

    Provost Scholar/Dean's Scholar/etc. are mutually exclusive awards (only one). Mutually exclusive with President's Scholarship.

    Renewable: Renewable to those who initially received the award as a freshman; per-tier Northwest cumulative GPA (2.75–3.50) and completion of 24 credit hours per academic year; maximum award within 4 consecutive academic years.

  49. Northwest Nazarene

    Idaho · Private (religious)

    NNU Merit Scholarship (Fall 2026 automatic grid)

    $14,000-$22,000 per year

    Award is set by high-school GPA. Test scores are NOT required for the $14,000-$20,000 tiers; only the top $22,000 tier lists '4.0+ and 1100 SAT or 22 ACT'. Bands: 4.0+ and 1100 SAT or 22 ACT = $22,000; 3.8+ = $20,000; 3.7-3.79 = $18,000; 3.5-3.69 = $17,000; 3.3-3.49 = $15,000; 3.0-3.29 = $14,000. Students below 3.0 still qualify for a merit scholarship per the page note.

    Renewable: Merit Scholarships are renewable as long as the student is academically eligible; the financial-aid page states renewal is based on maintaining an NNU cumulative GPA of at least 2.5.

  50. Oakwood University

    Alabama · Private (religious)

    GOLD — Prestige 2

    $5,000 per semester / $10,000 per year / $40,000 total over 4 years

    GOLD (test-based) tier; requires both GPA and the ACT/SAT score shown.

    Renewable: Tier 1 renewal: 2.5 GPA (year 2), 2.75 GPA (year 3), 3.0 GPA (year 4); full-time status required; maximum four consecutive academic years.

  51. Oklahoma Baptist

    Oklahoma · Private (religious)

    Trustee's Academic

    $17,000 per year ($68,000 over four years)

    Awarded automatically based on academic stats; no separate application beyond admission.

    Renewable: Renewable provided the student maintains a 2.0 College GPA.

  52. Palm Beach Atlantic

    Florida · Private (religious)

    Honors Scholarship

    $2,500

    Stat-based award ($2,500/yr); tuition-and-fees-only restriction applies per the page's institutional-scholarship rule.

    Renewable

  53. Pitt State

    Kansas · Public

    Great Gorilla Scholarship Freshman

    $1,000–$4,000

    One-time award

  54. Point Loma Nazarene

    California · Private (religious)

    Dean's Scholarship

    $14,000 per year

    Awarded automatically on the transcript at admission; no separate application.

    Renewable: Renewable for a maximum of eight (8) semesters subject to a cumulative-GPA renewal rule and continuous full-time enrollment (12+ units/semester). Exact renewal cumulative GPA for this tier to be confirmed (see Section C).

  55. Prairie View A&M

    Texas · Public

    The Regents' Student Merit Scholarship

    Tuition and mandatory fees, on-campus housing, meals and books ($600 per semester)

    The University's most prestigious award; full-ride-style coverage (tuition + fees + housing + meals + books) excluding summer semesters. No flat dollar figure is published on the official Office of Scholarship Services page (it is described by what it covers, not a dollar amount). A separate 2025 PVAMU news/reception page describes the Regents' award as 'up to $10,000 per academic year for tuition and mandatory fees' plus housing/meals/books — this conflicts with the OSS page's open-ended 'covers tuition and mandatory fees' and is NOT used here; ask the scholarship office to confirm the current dollar value. Awards are limited and given based on admission date and competitiveness.

    Renewable: Renewable up to four years (eight semesters) provided the student earns 30 semester credit hours per academic year with a minimum 3.2 cumulative GPA (fall and spring semesters only; summer coursework cannot be used to meet the credit load or GPA renewal requirements). Regent scholars must reside on campus for the housing component to be paid.

  56. Roanoke

    Virginia · Private (religious)

    Additional $1,000 merit award (GPA + test score)

    $1,000

    Added on top of the GPA-grid merit award.

    Renewable: Not separately stated; merit awards generally may be renewed for up to seven additional semesters with Satisfactory Academic Progress (ask the aid office whether this bonus follows the same rule).

  57. Rollins College

    Florida · Private

    Deans Scholarship

    Up to $33,000

    Official Rollins Academic Scholarships snapshot lists Dean's Scholarships: up to 3,000/year, outstanding academic record plus leadership potential, SAT >1240 or ACT >26 with GPA >3.2, test-optional GPA >3.9, renewable with 3.0 GPA and 24 hours each year.

    Renewable: Maintain 3 GPA; 24 credits/year

  58. Samford

    Alabama · Private (religious)

    Crosland Scholarship

    Average $17,500 per year

    Samford publishes the average, not a stat-to-tier table. The non-combinability with Marion is the most consequential Samford stacking rule.

    Renewable: Guaranteed for 8 semesters or graduation. Requires good academic standing and adherence to Samford's Code of Values; breach can cause revocation.

  59. Southeastern

    Louisiana · Public

    The Southeastern Honors Scholarship (fees award + housing supplement)

    $2,500-$4,000/year scholarship + $1,000-$3,000/year housing supplement (by ACT tier)

    Page states Southeastern 'automatically awards freshman scholarships based on a six-semester high school GPA and ACT/SAT scores' — marked automatic, though awards are 'on a funds available basis, subject to change.' The award is described as going toward university fees plus a housing supplement.

    Renewable: All scholarships are awarded for eight continuous semesters provided retention requirements are met. (Specific retention GPA/credit requirements are not published on this page.) Housing supplements are only available to students who continuously live on campus beginning with their first semester of enrollment.

  60. Southern Arkansas (SAU)

    Arkansas · Public

    Academic Scholarship Grid (Presidential Distinguished, Presidential, Blue and Gold Excellence, SAU Success, Scholastic Merit, Achievement Award)

    $2,000-$12,000

    Presidential Distinguished pays $12,000/yr if living on campus or $11,000/yr if living off campus. Top tiers require BOTH GPA and ACT/SAT; lower tiers (Blue and Gold and below) accept ACT/SAT OR GPA. University academic scholarships are NOT stackable.

    Renewable: 8 semesters. Retention (excluding AR Academic Challenge and Art/Music/Theatre): complete 27 hours with a 2.75 GPA by end of first spring, then 30 hours with a 2.75 cumulative each year; enroll in minimum 15 hours each semester; minimum 2.25 cumulative GPA at end of each fall to continue the following semester.

  61. St. Cloud State

    Minnesota · Public

    Presidential Scholarship

    $2,500, $1,500, $750, or $500 per year

    Automatic on stats: a 24 ACT OR a 2.6+ HS GPA qualifies. The page does not publish which GPA/ACT bands map to which of the four dollar amounts, so the specific tier a student receives is not knowable in advance from the official page.

    Renewable: Renewable for up to four years pending SCSU GPA and course completion. The exact renewal GPA and credit-completion threshold are not published on the page.

  62. Tennessee State

    Tennessee · Public

    The 1912 Heritage

    $4,500 (in-state) / $6,500 (out-of-state) per year

    Automatic on stats from the published grid; out-of-state students receive the larger $6,500/year.

    Renewable: Renewable up to four years (8 semesters); maintain a 3.0 GPA, 15 credit hours/semester, and submit the FAFSA.

  63. TAMU-Corpus Christi

    Texas · Public

    2026-2027 Institutional Scholarships (Presidential, Achieve, Islander)

    $1,500-$4,000

    Each tier qualifies via weighted GPA + class rank OR weighted GPA + test score. Presidential: $4,000/yr ($16,000 total); Achieve: $3,000/yr ($12,000); Islander: $1,500/yr ($6,000). Available to TX residents and non-residents (non-residents only if funds available). FAFSA is required.

    Renewable: Maintain at least a 3.0 overall GPA at end of each academic year; complete 12 credit hours each Fall and Spring AND 30 TAMU-CC credit hours each academic year (fall, spring, summer); no break in enrollment; up to eight consecutive (fall/spring) semesters.

  64. The Citadel

    South Carolina · Public

    SC LIFE Scholarship (SC state portable)

    $5,000/year (up to $7,500/year with STEM Enhancement)

    STEM Enhancement majors: computer science, civil engineering, electrical engineering, mechanical engineering, biology, mathematics, chemistry, physics. COA-cap stacking rule applies.

    Renewable: Available up to 8 semesters. Upperclass renewal requires 30 credit hours/year and cumulative 3.0 'LIFE GPA' (all post-secondary institutions). Annual LIFE GPA evaluated at end of each summer. Must complete The Citadel's LIFE Scholarship Affidavit. SC residents only.

  65. Trevecca

    Tennessee · Private

    Strickland Scholarship

    $12,000

    One-time award

  66. Truman State

    Missouri · Public

    TruMerit Scholarship

    $2,000-$10,000 per year

    Truman publishes SEPARATE Missouri-resident and Out-of-State TruMerit charts (GPA × test). The live chart is an image (truman.edu/?da_image=186579) that could not be OCR'd; the live table states the overall range as $2,000-$10,000. An older 2020-21 PDF showed Missouri tiers of $2,000/$3,000/$4,000 and Out-of-State tiers of $3,500/$5,000/$7,000/$8,000 — STALE, not used as current. Out-of-State TruMerit assists with the out-of-state tuition portion and cannot be combined with other out-of-state-portion awards.

    Renewable: Renewable per Scholarship Renewal Guidelines (SAP-based). Truman continues updating the TruMerit award through the June test date of senior year as GPA / ACT-SAT improve.

  67. Tuskegee

    Alabama · Private

    University Merit Scholarship

    Full tuition

    Second tier of the freshman grid. Covers full tuition only (not room/board/fees like the Presidential). No separate application.

    Renewable: Renewal CGPA/credit attainment listed as 3.25/30 — maintain a 3.25 cumulative GPA and earn 30 Tuskegee University credits within Fall and Spring each academic year.

  68. Union University

    Tennessee · Private (religious)

    President's Scholarship (2025 Freshman Academic Award)

    $17,000 per year on campus / $13,000 per year off campus

    Stated amount, awarded automatically on test score + GPA for Fall 2025 entrants.

    Renewable: Renewable each year if eligibility requirements are met; undergrad SAP floor is a 2.0 cumulative GPA.

  69. UAB

    Alabama · Public

    Provost Scholarship In State

    $8,000

    Official UAB in-state freshman scholarships snapshot lists Provost Scholarship rows for 27-29 ACT/1260-1350 SAT with GPA 3.5+ and 30-36 ACT/1360-1600 SAT with GPA 3.0-3.49, each at $8,000 annually.

    Renewable

  70. UAH

    Alabama · Public

    Freshman Out-of-State Academic Scholarship (non-Alabama & U.S.-residing international) — GPA × ACT/SAT grid

    $5,000-$22,000 per year

    Fully automatic — no separate scholarship application. Lowest band (3.0-3.49) requires a test score; the test-optional column for that GPA band is blank (no award). Updated transcripts/scores received after May 15, 2026 are not considered for an upgrade.

    Renewable: Four-year award (up to eight fall/spring semesters). Renew by enrolling full-time, maintaining a minimum cumulative UAH GPA of 2.5 at the end of each spring semester, and completing at least 24 UAH credit hours per academic year.

  71. UAF

    Alaska · Public

    Alaska Performance Scholarship (APS) — state award via ACPE

    Up to $7,000/yr (Level 1), $5,250/yr (Level 2), $3,500/yr (Level 3)

    State scholarship, not an institutional UAF award, but documented on UAF's official scholarship pages and stackable. UAF's estimate is unofficial; the HS counselor/ACPE sets the actual amount.

    Renewable: Up to 8 semesters or 8 years from HS graduation; full-time 12+ credits for full award (half for 6-11 credits); FAFSA by June 30 each year; continuing checkpoints (24/54/84 credits, 2.5 GPA).

  72. UAFS

    Arkansas · Public

    Freshman Merit Scholarships (Platinum, Gold, Silver, Bronze, Lion Pride)

    $1,000-$6,000

    Each tier qualifies on ACT OR GPA (Platinum requires 30 ACT AND 4.0 GPA, OR Valedictorian). All amounts are 'up to' per year, PLUS up to a $1,500 housing stipend. Platinum up to $6,000; Gold up to $4,000; Silver up to $3,000; Bronze up to $2,000; Lion Pride up to $1,000.

    Renewable: Four years or degree completion; enroll in 12 credit hours/semester and earn 24 hours/academic year; 3.0 GPA for Platinum/Gold/Silver and 2.5 GPA for Bronze/Lion Pride; summer may be used to meet renewal. Housing stipend valid for Lion's Den housing up to four years.

  73. UDallas

    Texas · Private (religious)

    Freshman Academic Achievement Scholarship (automatic merit grid)

    $28,000-$36,000

    Automatic at admission, completely funded by UDallas, no additional application. Amounts are for students starting fall 2026 or later. Tuition-directed (see stacking).

    Renewable: Requires full-time enrollment (12+ credits/semester) and Satisfactory Academic Progress; a 2.5 cumulative GPA is required by the end of sophomore year. GPAs of 2.0-2.4999 are prorated to 50%; below 2.0 the award is suspended.

  74. Evansville (UE)

    Indiana · Private (religious)

    Academic Merit Scholarship (Fall 2026 Freshman Grid)

    $18,000-$30,000

    Awarded automatically at the time of admission based on academic credentials; no separate scholarship application is described.

    Renewable: Awards are renewable for up to three additional years provided the student continues to meet renewal criteria. Amounts remain the same value in subsequent years.

  75. Findlay

    Ohio · Private

    Automatic Merit Scholarships (First-Year) — GPA/Test Grid

    $18,500-$25,000

    Full 2026-27 first-year grid (verbatim below). Highest qualifying amount is applied; GPA-only path tops out at the Faculty/Merit tiers when no test score is used.

    Renewable: Renewal terms not specified on the scholarships page (the grid lists annual award amounts).

  76. UMaine Presque Isle

    Maine · Public

    New Student (Traditional) Scholarship

    $5000

    This is the only institutional merit award with a published dollar figure. The scholarships page states the award amount ($5,000) and the qualifying stats; the academic catalog describes the same award as the 'Student Academic Scholarship Program' / 'John F. Hill Scholarship' and supplies the renewal terms (8 semesters, 12 credits/semester delivered by UMPI, 3.0 GPA) but does not restate the dollar amount. The two paths to qualify are an SAT 1100+/ACT 25 combined with a 3.3 GPA, OR a 3.7 GPA on its own (catalog phrases the no-test path as 3.5+).

    Renewable: The underlying Student Academic Scholarship Program (John F. Hill Scholarship) is 'renewable for six additional continuous semesters for a total of eight semesters,' contingent on 'successfully completing a minimum of 12 credit hours each semester, which are delivered by the University of Maine at Presque Isle, and maintaining a 3.0 or greater GPA each semester.'

  77. UMW

    Virginia · Public

    In-State Merit Scholarships (Residential vs Commuter)

    $500-$8,000 per year

    Full grid (Residential / Commuter): Collegiate (4.00, 1400/30) $8,000/$2,000; Presidential (4.00, 1300/27) $6,000/$2,000; Provost (3.60, 1200/25) $4,000/$1,500; Eagle (3.25, 1100/22) $3,000/$1,000; Blue & Gray (3.00, 1000/20) $2,000/$500.

    Renewable: Renewal terms not stated on this page.

  78. University of Montevallo

    Alabama · Public

    Freshman Leadership Scholarship

    $6,000

    One-time award

  79. Nebraska–Kearney (UNK)

    Nebraska · Public

    UNK Distinguished Scholar Award

    $5,000 toward tuition and $1,000 toward campus housing, annually

    Automatic for a 26+ ACT and 3.7+ HS GPA. SAT equivalent not published.

    Renewable: Renewable up to 4 years.

  80. UNLV

    Nevada · Public

    Western Undergraduate Exchange (WUE)

    150% of in-state tuition rate

    Stackable: Yes. Charges 150% of the in-state tuition rate (far below the standard nonresident rate). Residency-restricted to WUE western states/territories.

    Renewable: Renewable up to 135 attempted credits with a cumulative 2.00 GPA; full-time each semester.

  81. Nevada (Reno)

    Nevada · Public

    Nevada Resident Four-Year Scholarship Grid (Presidential / Provost / Nevada Scholars / Pack Pride / Alphie / Luna)

    $750-$8,000

    Award level is set automatically by an unweighted-GPA x test-score grid. Eligible students receive ONE of these awards. Transfer students are not eligible for the in-state renewable scholarships.

    Renewable: Per year for up to four consecutive years or graduation, whichever is first. Maintain Nevada residency, meet federal SAP, complete 15 credits each fall/spring. Cumulative UNR GPA to maintain: Presidential 3.5, Provost 3.2, Nevada Scholars 2.9, Pack Pride 2.8, Alphie 2.8, Luna 2.8. GPA enforcement begins start of second year.

  82. University of New Mexico

    New Mexico · Public

    Amigo Scholarship (Non-Resident)

    Approximately $23,149 per year, plus a $200 per year stipend

    UNM's flagship out-of-state award: it waives non-resident tuition down to (roughly) the resident rate, so the ~$23,149 figure is the value of the out-of-state tuition reduction, not a cash check. Automatic on the published GPA/test stats. Non-resident National Scholars and Regents' winners also receive the Amigo waiver to cover out-of-state tuition.

    Renewable: Renewable for 4 years (freshman). Complete 15 new credit hours with a 2.5 GPA each semester (fall and spring semesters).

  83. North Alabama (UNA)

    Alabama · Public

    Academic Awards (GPA × ACT grid)

    $2,000-$8,500

    GPA 3.00-3.50: ACT 20-21 $2,000; 22-23 $2,750; 24-25 $4,000; 26-27 $6,000; 28-29 $7,500. GPA 3.51-4.00: 20-21 $2,500; 22-23 $3,000; 24-25 $5,500; 26-27 $8,000; 28-29 $8,500. ACT below 20 with 3.0+ GPA: apply via General & Endowed application. 2026 amounts subject to final funding October 1, 2025.

    Renewable: Awarded annually; renewal criteria not detailed on this page. No refunds on Academic or Presidential Scholarships.

  84. Georgia Zell Miller Scholarship (state award)

    100% of UNG bachelor on-campus / online tuition

    STATE award, not UNG institutional merit. Automatic on stats for qualifying Georgia residents. Per UNG's HOPE FAQ, Zell Miller pays 100% of the UNG on-campus and online bachelor tuition rate. Like HOPE, it pays toward TUITION ONLY — fees and material charges remain. This is the strongest merit outcome at UNG for an in-state student who clears the 3.7 GPA + 1200 SAT/26 ACT bar.

    Renewable: Zell Miller Scholarship recipients must maintain a 3.3 HOPE GPA and a 67% completion rate of all coursework; the Zell Miller (HOPE) GPA is checked at the end of every Spring Semester and after attempting 30, 60, and 90 semester hours.

  85. Southern Miss

    Mississippi · Public

    Academic Excellence Gpa325 Act27

    $6,000

    Official USM Academic Excellence snapshot lists 3.25-4.0+ GPA, ACT 27-29/SAT 1260-1350, annual scholarship amount $6,000.

    Renewable: Maintain 2.5 GPA; 15 credits/year

  86. Border Waiver (Non-Resident)

    Waives the non-resident portion of tuition (pay resident tuition rates)

    Reduces a non-resident's bill to resident tuition rates (it does not pay a flat dollar amount). Limited to specific border-area Wyoming high schools.

    Renewable: Renewable for up to eight semesters, as long as GPA and credit-hour requirements are met each semester (12 credit hours each semester).

  87. Walla Walla

    Washington · Private (religious)

    Achievement Scholarship (GPA / ACT / SAT grids)

    $9,000-$15,000

    Program designed for first-time freshmen enrolling after January 1, 2025, with provisions applying over four years of eligibility. Transfers with <36 credits may qualify by GPA only.

    Renewable: Fully renewable for three additional years as long as the student meets SAP requirements at WWU.

  88. Winthrop

    South Carolina · Public

    Winthrop Garnet Scholarship (Out-of-State)

    $2,500 per year plus an Out-of-State Tuition Waiver ($66,160 four-year value)

    Waiver covers the out-of-state tuition portion (capped at $468 per credit hour in 2026-2027).

    Renewable: Renewable for up to three (3) additional years as long as the student maintains financial aid Satisfactory Academic Progress.

How outside scholarships behave at these schools

The automatic award is only the start. At 78 of these schools, the published stacking policy decides whether outside wins lower the family bill or quietly displace institutional aid. Treatment varies; verify before relying on stacking math.

  • Alabama

    Cost-of-attendance cap

    Alabama applies a cost-of-attendance cap to institutional scholarships. Outside scholarships don't trigger the loan-first or grant-first displacement some privates use; they count toward the COA ceiling and only reduce UA's own institutional award if total aid exceeds COA.

  • Auburn

    Cost-of-attendance cap

    Auburn allows institutional scholarships and outside awards to stack up to published cost of attendance. Families must notify Auburn of outside awards to avoid over-award repayment situations.

  • Oklahoma

    Displacement policy unclear

    OU's National Merit Finalist package explicitly allows outside scholarships to be added on top of the base package up to cost of attendance. Stacking for non-NMF students is less clearly published.

  • Ole Miss

    Loan-first displacement

    Ole Miss uses loan-first displacement. Outside scholarships reduce loan awards before touching other aid, and total aid cannot exceed cost of attendance.

  • Mississippi State

    Cost-of-attendance cap

    Mississippi State caps total aid at Cost of Attendance. The published policy warns that institutional scholarships may be adjusted or canceled if outside awards push a student over COA, and MSU does not publish a loan-first or grant-first displacement order.

  • Oklahoma State

    Loan-first displacement

    When an outside award arrives, Oklahoma State reduces loans first before replacing other need-based aid such as grants or work-study — a loan-first displacement order. Separately, a Cost of Attendance cap governs how its own scholarships stack: automatic qualifier awards cannot exceed COA when combined with other aid, with Oklahoma's Promise and Cowboy Covenant explicitly stackable. A student may only have one tuition scholarship in effect at any time, and the University Assured and Partnered categories pay only the highest-value award from each category (except OK Promise and Cowboy Covenant).

  • Arizona

    Loan-first displacement

    The University of Arizona reduces undisbursed loans first when outside scholarships would create an over-award. Arizona Tuition Award and Wildcat Tuition Award cannot be combined with each other or with the National Scholars Tuition Award base. NMF and NMSF supplements layer on top of the base tuition award rather than replacing it.

  • Kentucky

    Loan-first displacement

    The University of Kentucky enforces a Cost of Attendance cap across all aid sources, and publishes a self-help-first over-award order: when combined aid exceeds COA or need, loans are canceled or reduced first, then Federal Work-Study is stopped. Outside scholarships must be reported via a Declaration of Additional Resources form.

  • ASU Barrett

    Loan-first displacement

    ASU does not award multiple New American University scholarships to the same student: the higher-dollar tier replaces lower tiers, and the National Scholar (NMF/NRP) award replaces any prior NAMU merit. Per ASU's published policy, when an outside scholarship arrives the university reduces student loans and work-study first (self-help) before adjusting institutional grant aid — a loan-first displacement order.

  • Nebraska

    Loan-first displacement

    When an outside scholarship arrives, Nebraska reduces self-help aid (loans or work-study) first so all aid stays within the cost of attendance, and — unlike most schools — does not reduce or cancel its campus-based scholarships for outside awards unless required by law (loan-first displacement). The Chancellor's Tuition Scholarship and Regents Scholar Tuition Commitment remain a separate constraint: they cannot be combined with any other tuition benefit or waiver from federal, state, or University sources; they replace, not stack with, other tuition-specific awards. Other merit, need-based grants, and outside scholarships layer on top within the cost of attendance.

  • Georgia Tech

    Cost-of-attendance cap

    Georgia Tech treats outside scholarships as part of the total cost-of-attendance package. Outside awards reduce need-based aid first when total aid exceeds demonstrated need; institutional merit (Stamps, Gold, Provost) is generally protected unless the student is over-awarded.

  • Iowa State

    Cost-of-attendance cap

    Iowa State applies cost of attendance as a hard cap on total aid. Most automatic awards (Loyal, Forever, True, Academic Achievement Award) are mutually exclusive; students receive the single highest award they qualify for. Full-tuition awards (Iowa NMF, GWC Carver, First Cyclones) replace automatic awards entirely and have specific stacking restrictions documented per program. ROTC and tuition-specific aid interactions follow standard COA-cap displacement.

  • Anderson

    Displacement policy unclear

    AU's five core merit awards do not stack with each other (one only). SC state awards (PFS/LIFE/HOPE) are mutually exclusive with each other. Outside scholarships must be reported, and the aid office recalculates overall assistance; for Fellows winners, outside scholarships and federal aid may be applied to housing and food. Whether outside awards displace AU merit aid is not stated.

  • Arkansas Tech

    Mixed displacement

    Students may receive only one Academic Scholarship per semester. Scholarship stacking is governed by the Arkansas state stacking policy (Act 1180 of 1999), and ATU reserves the right to modify/cancel institution-funded scholarships (Act 323 of 2009).

  • Auburn at Montgomery (AUM)

    Displacement policy unclear

    AUM's eight automatic freshman grid scholarships do NOT stack with each other — a student receives only the single highest grid award they qualify for. The AUM Freshman Leadership Scholarship is the explicit exception: it may be combined with other freshman academic scholarships, but NOT with Deichelmann. No official AUM page was found stating how third-party OUTSIDE scholarships displace institutional aid.

  • Belhaven

    Displacement policy unclear

    The four first-year academic awards (President's, Dean's, Achievement, Advantage) are mutually exclusive merit tiers — a student is placed in one based on GPA/ACT, not granted several. Some add-ons layer on top (the Presbyterian PSP is explicitly 'added to the student's total award'), but Belhaven publishes explicit non-combination rules: the Residence Hall Grant 'cannot be awarded in combination with tuition discounts, waivers, sponsorships, and some Belhaven scholarships.' No published policy describes how third-party OUTSIDE scholarships displace institutional aid.

  • Centenary (LA)

    Displacement policy unclear

    The only explicit stacking rule found is that the out-of-state $5,000 grant (TEG) 'can be stacked on top of their merit scholarship.' In the other direction, the three premier full-tuition awards (Nancy M. Christian, 1825 Scholars) 'replace all previously earned Centenary awards' and the Jackson award 'replaces the previously earned President's Scholarship' — i.e., they substitute for, not add to, the President's/Dean's/Trustee's grid. No official page describes how third-party OUTSIDE/private scholarships displace institutional aid.

  • Coastal Carolina

    No displacement

    CCU merit awards do NOT stack with each other — a student receives only ONE award from the merit-based scholarship program (academic, VPA, or PGM). Out-of-state recipients receive a minimum $500 named award plus a University Tuition Waiver for the remaining value. Students on the Academic Common Market (ACM) tuition waiver cannot also receive a merit award. No published policy was found describing how third-party OUTSIDE/external scholarships displace institutional merit aid.

  • CSU Pueblo

    Cost-of-attendance cap

    The defining rule at CSU Pueblo: the automatic merit award (Presidential/Distinguished/Promising) CANNOT be combined with any other institutional scholarship, with the single exception of the $1,000 First Generation Scholarship. The Honors Program scholarship and the $1,000 Commitment to Colorado award are both explicitly called out as non-stackable with Automatic Merit. No published rule was found describing how third-party OUTSIDE scholarships displace institutional aid; the only related policy is that merit scholarships may be reduced if total aid exceeds cost of attendance.

  • Concordia College (Moorhead)

    Mixed displacement

    Outside (external) scholarships must be reported. If they push aid over federal need, Concordia first reduces loans or work-study — but total gift aid from all sources cannot exceed comprehensive fees (tuition, standard fees, standard housing and food plans); past that cap, Concordia's own scholarships/grants are reduced. Separately, the $26,500 Presidential Scholarship replaces other scholarships and gift aid, and the Concordia Promise comprises (rather than stacks on) Concordia scholarships plus federal/state gift aid up to the cost of tuition.

  • Covenant College

    Mixed displacement

    Mixed by award. The five automatic merit tiers (Founders'/Tower/Thistle/Shield/Tartan) are the base merit award. The Maclellan full-tuition scholarship is 'mutually exclusive with other institutional aid' (it replaces, not stacks). The Wilberforce Scholarship is 'stackable with other aid up to the cost of tuition.' Students are encouraged to apply for outside scholarships, but the page does NOT state how outside awards displace institutional aid.

  • Dillard

    Mixed displacement

    Dillard's Scholarship/Grant Agreement reserves the right to SWAP an institutional award for an outside (external) scholarship when the external award covers the same costs — a same-amount replacement, not additive stacking. All recipients are required to pursue outside scholarships and must report them; total aid cannot exceed Cost of Attendance.

  • ENMU

    Cost-of-attendance cap

    Among out-of-state tuition discounts, only one can be applied per student. State Opportunity + Lottery awards combined cannot exceed 100% of tuition and fees. Receipt of any scholarship may reduce other financial aid.

  • Emporia State

    Cost-of-attendance cap

    ESU explicitly allows students to stack scholarships, with a single hard cap: total financial aid plus stackable scholarships cannot exceed the total cost of attendance. No published rule was found describing how third-party OUTSIDE scholarships specifically displace ESU institutional aid (beyond the same COA cap).

  • Francis Marion

    Cost-of-attendance cap

    Outside scholarships must be reported to the Financial Assistance Office (FAO). For 4-year renewable scholarships, a signed Terms & Conditions form limits the total amount of scholarships, grants, etc. that can be received in addition to the scholarship. Outside scholarships credited to the student account as soon as received by the university. The Premier Pledge is explicitly tuition-only and does not apply when existing scholarships/grants already cover the full tuition of $10,384.

  • Freed-Hardeman

    Cost-of-attendance cap

    FHU caps total UNFUNDED institutional aid at $15,000/yr per student. Discounts (Chester County, Participating School, Children of Minister's) may combine with other institutional awards (excluding other discounts) only up to that $15,000 cap. The Honors Scholarship is the explicit exception — it stacks on top of the Trustees' Scholarship up to the full $27,050 comprehensive charge. Endowed and Nursing scholarships are stated to SUPPORT merit awards and do NOT stack on top of them. The Church Scholarship Match (up to $2,500) may stack above the institutional cap up to the comprehensive charge. No dedicated 'outside / third-party scholarship displacement' page exists; the governing ceilings are the $15,000 unfunded-institutional cap and the comprehensive charge.

  • Georgia College

    Displacement policy unclear

    No published institutional rule was found describing how outside/third-party scholarships displace GCSU merit or need-based aid. The university-and-private-scholarships page only explains how private scholarship CHECKS are processed (made out to GCSU, applied to the current term). Whether an outside award reduces institutional aid is not stated.

  • Grambling State

    Mixed displacement

    Grambling's own scholarship tables show institutional merit stacking with Louisiana TOPS (in-state) or with the out-of-state fee waiver — the published 'Total Award' column literally adds them. A reverse rule applies to the need-based GAP Fund: GAP money can be CANCELED if a later award from another source creates a credit balance, GAP cannot generate a refund, and all federal aid (subsidized, unsubsidized, PLUS loans) must be exhausted first.

  • Hampton

    Cost-of-attendance cap

    Hampton caps the total of all scholarships at the school's direct cost. The total financial package for students who receive scholarships through Admission, the Athletic Department, and/or Academic Departments cannot exceed the direct cost (tuition, fees, room and board). Students must report all expected aid, including outside scholarships, or risk reduction or cancellation of aid — i.e., outside awards are absorbed under a cost-of-attendance / direct-cost ceiling rather than stacked on top without limit.

  • Jacksonville State

    Displacement policy unclear

    Freshman merit scholarships (Gamecock tiers) cannot stack with the Leadership Scholarship or the Jax State Honors Scholarship, but CAN stack with competitive and talent-based scholarships. Transfer merit scholarships cannot stack on one another, with the sole exception of the Phi Theta Kappa Enhancement Scholarship. Outside scholarships: the page states receiving outside scholarships 'may affect the amount of federal financial aid you are eligible to receive' — no explicit displacement type specified beyond that general note. Military tuition rate cannot be used with any other institutional scholarships, aid, or discounted tuition.

  • John Brown University

    Cost-of-attendance cap

    JBU's published stacking/displacement rules differ by award. For ATHLETES, total aid from ALL sources (including academic scholarships, need-based aid, federal/state grants, loans, work-study and any outside scholarships) is capped at full-time tuition + room and board + general fee + up to $600 in course fees, and the athletic scholarship is reduced dollar-for-dollar by other sources — a COA-cap. For non-athletes, no general outside-scholarship displacement rule is published on the scholarships page; recipients of an outside scholarship are only told to complete the Outside Scholarship Notification Form. Within named awards, the Presidential explicitly stacks on the Chancellor's, but Music & Theatre awards do NOT stack with each other and the Chancellor's REPLACES any prior Assured Merit Award.

  • Kansas State

    Displacement policy unclear

    K-State states a student may earn only ONE general university scholarship or award (the GPA-based resident grid award OR the Wildcat Nonresident Award). Competitive awards (Presidential, Vanier, Campbell, Edgerley-Franklin, Kassebaum, Civic Leadership) and KSN college/departmental awards are separate tracks and are not constrained by the 'one general university award' rule on the pages reviewed. No published rule was found on these pages describing how outside (third-party) scholarships displace institutional aid.

  • Lander

    Cost-of-attendance cap

    Total aid (scholarships + grants + loans + other awards) may never exceed the total Cost of Attendance. Departmental scholarships explicitly may reduce other Lander institutional aid. Students must report outside/private scholarships to the Financial Aid Office. No explicit COA-displacement rule favoring loans or grants over merit is published; the cap is COA. The PTK scholarship explicitly stacks with the highest transfer scholarship ($3,000 combined).

  • Lee University

    Cost-of-attendance cap

    Lee limits a student to ONE general merit scholarship (you get Ignite OR Dean's OR Presidential, never two), so the three named tiers do not stack on each other. Outside/private scholarships do not automatically displace institutional merit, but Lee 'may reduce awards if total aid exceeds the cost of attendance' — i.e., a cost-of-attendance cap rather than a dollar-for-dollar institutional-aid reduction. Renewable institutional scholarships can be applied toward only one off-campus study program during enrollment.

  • MSU Texas

    Cost-of-attendance cap

    Stacking is partly restricted and partly allowed. Within institutional merit: the ISD Valedictorian/Salutatorian award is NOT stackable with the Regents scholarships (pick one), and transfer merit awards are NOT stackable with freshman merit awards. Phi Theta Kappa IS stackable with other merit scholarships. For OUTSIDE/third-party scholarships, MSU Texas applies a cost-of-attendance cap: total MSU scholarship money may not exceed the cost of attendance, and an outside scholarship 'could impact' MSU awards — i.e., it can reduce MSU-funded scholarships when the COA ceiling is reached. No explicit loan-first vs grant-first displacement order is published.

  • MSU Northern

    Displacement policy unclear

    MSU Northern packages aid to your eligibility and adjusts downward for over-awards: any aid received in addition to what is listed on your offer, which exceeds your unmet eligibility, results in an adjustment. The financial-aid page does not state a separate rule for how OUTSIDE scholarships specifically displace institutional merit awards, so the exact treatment is unclear and should be confirmed with the office.

  • Morehead State

    Cost-of-attendance cap

    Total financial aid from all sources cannot exceed the Cost of Attendance (COA). When an overaward occurs, MSU first eliminates loans (work-study, private, PLUS, unsubsidized federal, subsidized federal) before reducing institutional merit scholarships. The Pell Grant and KEES are never reduced. The Honors Scholarship is applied after other financial aid is posted. Transfer scholarships may only be combined with the Alumni Award and Phi Theta Kappa Transfer Scholarship. The International Student Scholarship cannot be combined with the non-resident tuition scholarship.

  • New Mexico State

    Cost-of-attendance cap

    All aid (institutional, state, and outside) cannot exceed the total Cost of Attendance (COA); scholarship stipends will be reduced to prevent an over-award. Students must notify NMSU of all outside scholarships. The NM Lottery/Opportunity Scholarship is explicitly reduced or cancelled for any term where tuition and fees are already partially or fully covered by other funding sources. Institutional merit scholarships for in-state freshmen are awarded IN ADDITION TO the NM Lottery Scholarship (i.e., they stack). Out-of-state students may qualify for one merit scholarship AND one tuition discount. Transfer students qualify for one scholarship and one tuition discount. COA cap enforced across all aid sources.

  • New Mexico Tech

    Displacement policy unclear

    Strict one-institutional-scholarship rule: NMT awards no more than one scholarship per student. Exceptions: the NM Legislative Lottery Scholarship stacks on top of any award; non-residents who qualify for a tuition-reduction scholarship (Competitive, WUE, or Tuition Reduction Agreement) and CORE recipients ALSO qualify for a GPA-based merit scholarship. Outside/private scholarships may be added to the student's award, but the displacement method is not stated.

  • North Greenville

    Mixed displacement

    NGU's top competitive awards are gap-fillers, not stack-on-top awards: for NGU Fellows and Kalos, the state's Palmetto Fellows Scholarship and SC Tuition Grant are applied to tuition first, and NGU's institutional money covers only the remainder up to the award's defined coverage. Trustee winners may stack 'earned' institutional aid (athletic, fine arts, departmental) only as determined by the Office of Financial Aid. Treatment of private outside scholarships is not addressed.

  • Northeastern State

    Mixed displacement

    Within each award family, NSU is one-award-only: a student can hold only one automatic tuition waiver, and only one of the three Honors scholarships. The Breakthrough Scholars award is explicitly last-dollar — it cannot exceed the remaining Bursar balance after all other aid is applied. No page opened states how outside/private scholarships are treated.

  • Northern State (NSU)

    Displacement policy unclear

    No general stacking or outside-scholarship displacement rule was found on the pages reviewed. The WolfPACT page notes additional program scholarships (Arts and Sciences, Business, Education, Fine Arts, Honors) 'are also available' alongside WolfPACT, suggesting they coexist, and per-award policies (full-time status, transfer cancellation, suspension) live on the Scholarship Policies page.

  • Northwest Missouri State

    Displacement policy unclear

    The competitive President's Scholarship and the automatic Admission-Based Freshman Scholarships are mutually exclusive and cannot be combined; the six merit-grid tiers are also mutually exclusive with one another. Bearcat Advantage and several named awards (A+, Pathways, IB, Show-Me, MOST) may be received in addition to the automatic merit award. The pages do not address how private/outside scholarships are treated.

  • Northwest Nazarene

    Displacement policy unclear

    NNU does not publish an outside-scholarship displacement policy on its financial-aid pages. The NNU Matching Scholarships page directs students to present a copy of each outside award so it 'can be included as part of the student's overall financial aid offer,' and NNU itself matches church gifts — implying outside church awards add value rather than reduce institutional aid. Whether a private/outside scholarship reduces NNU institutional merit or only need-based/self-help aid is NOT stated, so displacement is unclear.

  • Oakwood University

    Cost-of-attendance cap

    Outside aid is applied FIRST and Oakwood merit fills behind it under a hard cap: institutional scholarships (including denominational tuition assistance) cannot exceed the total cost for tuition, room and board, and recipients cannot be over-awarded or receive refunds from academic awards. In practice a large outside scholarship can reduce or displace the Oakwood merit award rather than add on top of it.

  • Oklahoma Baptist

    Displacement policy unclear

    OBU's automatic academic tier is the student's base award and may combine with most other aid, but the full-tuition scholarships (University Scholar, Allen, Martin) are exclusive: recipients are NOT eligible for additional OBU aid, including athletic aid. Some scholarships do not apply for athletes, full-tuition recipients, or employee-education-benefit students, and athletes who receive OBU athletic aid are ineligible for other OBU scholarships aside from their academic scholarship. No published rule was found describing how third-party OUTSIDE scholarships displace institutional aid.

  • Palm Beach Atlantic

    Displacement policy unclear

    PBA does not publish an outside-scholarship displacement formula. Outside awards must be reported to the Financial Aid Office; checks are split between fall and spring by default unless the sponsor specifies otherwise. The page's key cap: institutional scholarships and grants (Academic, Talent, Athletic, PBA Lead, Honors) defray TUITION AND FEES ONLY — they cannot be applied to room and board.

  • Point Loma Nazarene

    Cost-of-attendance cap

    PLNU's published rule is that performance-based awards (athletic, music, forensics) may be combined with the academic merit grid and with science honors scholarships. For OUTSIDE/third-party scholarships, PLNU does not state that they reduce institutional merit aid; instead recipients must report the award and PLNU verifies there is room in the Cost of Attendance/Budget before adding it to the offer — implying a COA-cap rather than a dollar-for-dollar displacement of institutional aid.

  • Prairie View A&M

    Grant-first displacement

    PVAMU treats outside/third-party scholarships as resources that can REDUCE other aid. The official policy says a student's financial aid award may not exceed the cost of attendance and the financial aid office is required to review and adjust over-awards; students must report all external scholarships, and a University Merit scholarship (Regents' or Presidential) is explicitly 'subject to adjustments when receiving... third party scholarships (external/outside) or other institutional financial aid.' This is grant-first/over-award displacement, not a no-displacement stack.

  • Roanoke

    Mixed displacement

    Roanoke's named add-on grants (Lutheran, Friends in Faith, Legacy, Visit) explicitly stack on top of the GPA-grid merit award. But three limits apply: (1) once a need-based award has been presented, the college will no longer evaluate for additional merit-based aid; (2) College dollars and the Virginia Tuition Assistance Grant are capped at the cost of tuition; (3) winning a competitive scholarship (Art/Music/Theatre/Honors) after a comprehensive aid package may reduce a previously awarded Roanoke College Supplemental Grant. Treatment of private outside scholarships is not stated on any page reviewed.

  • Rollins College

    Displacement policy unclear

    Donald J. Cram Science Scholarships are typically awarded in addition to one of Rollins' other academic scholarships.

  • Samford

    Mixed displacement

    Samford's published policy is that the University Grant (need-based) may be reduced or cancelled if a student is later awarded additional Samford institutional funds or if need changes — an internal stacking limit, not specifically an outside-scholarship rule.

  • Southeastern

    Displacement policy unclear

    No general institutional stacking or outside-scholarship displacement policy was published on the pages opened. One specific stacking rule is published: students eligible for both an institutional Louisiana National Guard tuition waiver and TOPS must accept the waiver and receive a reduced TOPS award. The Dual Enrollment award is explicitly described as a supplementary award ('can also receive'), implying it adds to the freshman scholarship.

  • Southern Arkansas (SAU)

    Displacement policy unclear

    University academic scholarships are NOT stackable — a student receives only one academic scholarship. Performance (art/music/theatre) recipients may receive only one performance scholarship. The page does not address how outside/private scholarships are treated.

  • St. Cloud State

    Displacement policy unclear

    SCSU does not publish a quantitative outside-scholarship displacement rule. The Financial Aid Office requires that any new outside scholarship, tuition waiver, or other third-party funding be reported via its electronic Scholarship Notification Form so it can be added to the student's financial aid package, which can trigger a revision of the existing package. The direction of any adjustment (loan-first vs. grant-first) is not stated on the official pages reviewed.

  • Tennessee State

    Cost-of-attendance cap

    A student can receive only ONE institutional merit scholarship from TSU's Office of Institutional Merit Scholarships — these awards do not stack on each other. The merit award CAN be combined with scholarships from the TSU Foundation, outside organizations, and TSU colleges/departments. Critically, TSU merit scholarships are described as LAST-DOLLAR awards, so other aid can reduce or adjust a student's total cost (i.e., outside aid can effectively displace institutional value when total aid would otherwise exceed cost).

  • TAMU-Corpus Christi

    Displacement policy unclear

    The incoming-freshmen page does not state an anti-stacking rule. Institutional merit scholarships fund tuition and mandatory fees and require a FAFSA filed annually by March 1. The pages reviewed do not address how outside/private scholarships are treated or whether a cost-of-attendance cap applies.

  • The Citadel

    Cost-of-attendance cap

    Total aid from all sources (federal, state, institutional, and private) may not exceed the student's Cost of Attendance as defined by Title IV regulations. State scholarships (SC HOPE, LIFE, Palmetto Fellows) combined with all other aid are subject to this COA cap; a student's actual award may be reduced if it would cause an over-award. No explicit statement was found on official pages about institutional merit scholarships displacing loans first or grants first.

  • Truman State

    Cost-of-attendance cap

    Automatic awards are generally stackable and renewable, and a student may receive multiple automatic and/or competitive awards. BUT: (1) Truman-funded scholarships apply only to tuition and on-campus room and meal plans — never to fees; (2) competitive awards (Pershing, Kirk, Harry S. Truman) supersede all other Truman-funded awards, except the Bulldog Legacy Award (which can combine with everything except Pershing); (3) out-of-state-portion awards (Out-of-State TruMerit, Non-Resident Tuition Waiver, Non-Resident Tuition Grant, MSEP) cannot be combined — only the greatest-value one is given; (4) NEMO does not stack with Top Scholar or TruPlus; (5) some larger awards replace/supersede smaller ones.

  • Tuskegee

    Cost-of-attendance cap

    Tuskegee enforces a cost-of-attendance cap: institutional scholarships and grants, once combined with federal student aid and any external (outside) awards, cannot exceed the total cost of attendance. The page does not state which award is reduced first if the cap is hit, so the displacement order is unclear.

  • Union University

    Grant-first displacement

    Union's freshman academic grid award is a 'base award.' A set of named 'Stackable Scholarship Awards' (Alumni Legacy, Ministry Dependent, TBC/SBC) stack on top of it but are capped at a $2,000 annual limit combined. Scholars of Excellence Awards 'may be combined with all other institutional aid.' BUT the Founders' Scholarship and several others (INAMB, certain endowed/other awards) are 'Merit Replacement' awards that replace — not stack with — the grid award. Outside scholarships are governed by a reduction policy: if total gift aid from all sources exceeds Union billed charges, Union reduces its own institutional aid first, and total aid can never exceed the cost of attendance.

  • UAB

    Displacement policy unclear

    IB or Cambridge AICE Diploma Holders receive an additional $2,500 per year at UAB, stackable on top of any automatic merit award. Students may receive only one national scholarship award.

  • UAH

    Displacement policy unclear

    UAH publishes no displacement or over-award rule for how an OUTSIDE (third-party) scholarship affects institutional merit aid. The Outside Scholarships page is only a curated resource list plus a mailing address for donor checks, and the Scholarship FAQ's outside-scholarship entry only explains where the donor should send the check. How outside awards interact with the UAH merit grid or with need-based/federal aid is not stated on these pages.

  • UAF

    Cost-of-attendance cap

    Merit awards can stack (UA Scholars explicitly combines with Nanook Pledge and APS), but the Nanook Pledge cannot exceed your cost to attend and is not refunded if gift aid exceeds your bill; receiving outside aid can trigger amendment of your award.

  • UAFS

    Displacement policy unclear

    The admission application serves as the application for merit and many foundation scholarships; Prestigious scholarships require a separate application. The page does not state an explicit anti-stacking rule between merit and Prestigious awards, and does not address outside/private scholarship displacement. It does warn that changing majors could result in loss of (Prestigious) awards.

  • UDallas

    Cost-of-attendance cap

    All UDallas non-need scholarships and grants are tuition-directed: they may be combined (stacked) up to but not over full tuition. A full-tuition scholarship recipient is therefore ineligible for any additional non-need scholarship or grant, including the Family Grant; departmental awards cannot sit on top of a full-tuition scholarship.

  • Evansville (UE)

    Mixed displacement

    All UE institutional scholarships/gift aid combined are capped at the equivalency of full-time tuition (12-18 credit hours/semester). Total gift aid from all sources (including outside scholarships) is capped at directly billed charges (tuition, fees, housing, meal plan) plus a $2,500 book/expense allowance for residents — tuition + fees + $2,500 for commuters. Gift aid above the cap causes UE to reduce its own gift aid. When federal aid is in the package and need would be exceeded, reductions happen in this order: loans, work, Federal SEOG, then UE grants. 'Special Scholarships' (TASL, Moore, Nursing, etc.) do not stack with the Academic Merit Scholarship — students get whichever is higher.

  • UMaine Presque Isle

    Loan-first displacement

    UMPI's official Financial Aid Policy uses self-help-first displacement for outside scholarships: an outside award is first applied to unmet need, then replaces loan and/or Work-Study BEFORE it reduces a University grant or scholarship. Total aid (including outside resources) may not exceed the Cost of Attendance; if it does, the aid office reduces self-help (loans and work) before reducing scholarship or grant aid. Separately, the Level Up / certain tuition-waiver awards cannot be combined with any other UMS or UMPI waiver/merit award.

  • Nebraska–Kearney (UNK)

    Loan-first displacement

    Institutional awards stack with each other (the non-resident New Nebraskan tuition waiver can be held alongside a UNK Academic Merit Scholarship). For OUTSIDE/private scholarships, UNK is required by law to adjust FEDERAL aid first if outside awards create an excess (over-award) — implying outside money displaces federal aid before institutional merit, though the page does not spell out an explicit order beyond 'federal aid.'

  • UNLV

    No displacement

    Favorable: every UNLV scholarship listed (Signature, Opportunity, President's, WUE, Rebel Edge) and the state Millennium Scholarship is explicitly marked 'Stackable: Yes.' Award amounts can change with residency status, and institutional consideration requires admission, FAFSA, and the Institutional Aid Application by the priority deadline.

  • Nevada (Reno)

    Mixed displacement

    Resident awards: a student receives only ONE four-year award; the test-optional one-year award does not stack with the four-year grid or National Merit. Non-resident: WUE/PEP tuition reductions stack with Presidential OR National Merit, but Presidential and National Merit cannot combine; the Tahoe/Dean's Pack/Honors stack cannot combine with either Presidential or National Merit. National Merit Scholars forfeit need-based grants.

  • University of New Mexico

    Mixed displacement

    UNM stacking is MIXED. Resident institutional merit awards (Regents', Presidential, Woodward, UNM Achievers) are explicitly designed to combine with the state NM Legislative Lottery and Opportunity scholarships. But a student CANNOT hold two UNM Freshman Scholarships at once — if awarded multiple, 'the higher dollar award will supersede the lower dollar award' and the lower is canceled. For non-residents, the Lobo Housing Scholarship explicitly layers on top of a tuition-waiver scholarship (WUE/LUE/reciprocal). For third-party OUTSIDE scholarships, UNM's Financial Aid terms state that 'Receipt of additional financial aid may result in an adjustment of the financial aid offered by UNM' — i.e., over-award adjustment is possible; the exact displacement order (loan-first vs. grant-first) is not published on these pages.

  • North Alabama (UNA)

    No displacement

    UNA explicitly allows stacking — the freshman page lists scholarships 'available for stacking,' the $4,000 Housing Scholarship is stackable (2 years), and Leadership and Honors awards may be stacked on top of the automatic Academic/Presidential award. The one limit stated is that students cannot hold more than one housing scholarship. The page does not address how outside/private scholarships are treated.

  • University of North Georgia

    Displacement policy unclear

    UNG does not publish an outside-scholarship displacement policy on its public scholarship pages. The only outside-scholarship mechanic stated is administrative: privately-awarded scholarships are automatically split half/half across fall and spring unless the donor letter says otherwise. How an outside award interacts with HOPE/Zell Miller or other UNG aid is NOT documented publicly and must be confirmed with the Financial Aid office.

  • Southern Miss

    Displacement policy unclear

    USM Honors College students may only receive one scholarship package (Honors Scholar Award, Discovery, or Presidential); they are mutually exclusive.

  • Utah Valley University

    Loan-first displacement

    UVU counts outside scholarships as a resource for federal aid. Per Policy 512, a student's total aid package should not exceed cost of attendance; when additional aid arrives after the package is calculated, need-based aid is reduced and LOANS are reduced first before any other aid source. Institutional Honors awards are explicitly capped so a student receives only up to full tuition.

  • Walla Walla

    Mixed displacement

    WWU restricts stacking award-by-award rather than with one global rule: only one Achievement grid award (GPA or ACT/SAT, whichever is worth most over four years); National Merit Finalists are barred from other academic scholarships including the Out-of-Area Grant; the Out-of-Area Grant cannot combine with Washington state need grants; the Spirit of Excellence tops up to full tuition only 'when combined with other scholarships.' Freshmen who do not attend all three quarters forfeit a portion of their scholarships.

  • Winthrop

    Displacement policy unclear

    Winthrop requires students to report ALL outside/external aid, and warns it may adjust the package. No published rule states the displacement ORDER (loans vs grants vs institutional merit), so outside-scholarship displacement is unclear. Internally, the Palmetto Boys/Girls State award explicitly stacks on top of the primary merit scholarship, and SC state scholarships (LIFE, HOPE, Palmetto Fellows) are awarded separately — but the pages do not state how they layer against the institutional merit award or the COA cap.