Schools with published awards for a 3.9 GPA + 36 ACT.

At these 93 schools, the published rule can affect whether an outside scholarship lowers the family bill. Confirm the result with the school before relying on it.

• AlabamaNo displacement

  UA's published FAQ states that external scholarships, military benefits, and college savings plans do NOT impact scholarships at UA. The cost-of-attendance cap on UA's own institutional scholarships explicitly excludes outside sources of aid.

• AuburnCost-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.

• OklahomaCost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• Ole MissLoan-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 StateCost-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 StateLoan-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).

• ArizonaLoan-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.

• KentuckyLoan-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.

• Grove CityCost-of-attendance cap

  Grove City is one of the cleanest outside-scholarship stacking environments in U.S. higher education because the college does not participate in any federal student aid program, so the federal overaward rule does not apply. Grove City's published policy is plain: outside scholarships will not decrease Grove City institutional aid unless the total amount of aid exceeds cost of attendance. The only ceiling is COA.

• ASU BarrettLoan-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.

• MinnesotaCost-of-attendance cap

  UMN applies a strict cost-of-attendance cap: total financial aid offered cannot exceed COA for the aid year. The published reduction order (which awards reduce first when total exceeds COA) is not publicly documented; OSFA administers on a case-by-case basis. Reciprocity-state residents (MN, ND, WI, Manitoba) are explicitly excluded from the National Scholarship; they receive reciprocity tuition rates instead, which is itself a form of merit-equivalent benefit.

• NebraskaLoan-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 TechCost-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.

• TennesseeCost-of-attendance cap

  UT Knoxville stacks state HOPE + Tri-Star (UT Promise, Pledge, Flagship) + institutional Volunteer/Provost + outside scholarships up to the cost of attendance and UT-specified award maximums. Volunteer + Orange & White cannot combine; most other awards can stack subject to the COA cap.

• Iowa StateCost-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.

• AndersonDisplacement 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 TechCost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• 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.

• Augustana (IL)Cost-of-attendance cap

  Augustana typically leaves other grants, scholarships, work-study, and federal loans untouched when a student receives an outside scholarship; aid is reduced only if total aid from all sources exceeds financial need and/or cost of attendance, and then in order starting with work-study, then loans, then institutional grants, with scholarships cut last.

• BelhavenDisplacement 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.

• Cal State LACost-of-attendance cap

  Cal State LA requires you to report every scholarship you receive (including outside/external awards and those paid directly to you), and the Financial Aid and Scholarships Office must fold all funding into your aid package and 'may adjust other awards' if necessary. This is a displacement policy: an outside scholarship can reduce other components of your aid. No rule was published guaranteeing outside scholarships stack on top without reducing institutional aid.

• Centenary (LA)Cost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• Coastal CarolinaDisplacement policy unclear

  the published policy only states that external scholarships are recorded on the award letter and may affect the total amount of aid a student receives, without specifying any cap, threshold, or reduction order. Confirm the actual displacement policy with the aid office before counting on stacking.

• CSU PuebloCost-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 CollegeDisplacement policy unclear

  The school does not publish a specific outside-scholarship displacement policy; confirm treatment with the aid office before counting on stacking.

• DillardMixed 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.

• Eastern Kentucky UniversityLoan-first displacement

  Outside scholarships reduce loans and/or work-study first; institutional grants are only reduced if required to prevent an over-award.

• ENMUCost-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 StateCost-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 MarionCost-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-HardemanCost-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.

• Grambling StateCost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• HamptonCost-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 StateDisplacement 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 UniversityCost-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 StateDisplacement 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.

• LanderCost-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 UniversityCost-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 TexasCost-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 NorthernCost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• Morehead StateCost-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.

• Murray StateCost-of-attendance cap

  FAFSA is required every year. University general-fund awards are capped at billed direct costs (tuition + required fees + semi-private room + basic meal plan). Total Murray State scholarship aid combined with tuition adjustments AND outside scholarships may not exceed the cost of attendance; external awards must be reported and Murray State may reduce institutional awards to stay within COA/need.

• New Mexico StateCost-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 TechDisplacement 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 GreenvilleCost-of-attendance cap

  North Greenville reduces institutional aid only when combined institutional aid plus outside grants and scholarships would exceed actual charges for tuition, fees, room, and board, and books - not the full cost of attendance; parking permits, fines, and supplies are excluded from that cap, and the aid office adjusts institutional aid as needed to enforce it.

• Northeastern StateDisplacement policy unclear

  The school does not publish a specific outside-scholarship displacement policy; confirm treatment with the aid office before counting on stacking.

• 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 StateDisplacement policy unclear

  The school does not publish a specific outside-scholarship displacement policy; confirm treatment with the aid office before counting on stacking.

• Northwest NazareneDisplacement 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 UniversityCost-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 BaptistCost-of-attendance cap

  OBU-funded scholarships are reduced only when they would exceed a student's OBU charges -- tuition, fees, and on-campus room and board -- a narrower cap than full cost of attendance; total aid overall is separately capped at COA under federal rules.

• Oklahoma Christian (OC)Cost-of-attendance cap

  Outside scholarships (excluding state/federal grants) may stack above Ike's Promise only up to the full cost of room, board, and fees -- a narrower cap than full cost of attendance.

• Palm Beach AtlanticDisplacement 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 NazareneCost-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&MGrant-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.

• RoanokeDisplacement policy unclear

  The school does not publish a specific outside-scholarship displacement policy; confirm treatment with the aid office before counting on stacking.

• Rollins CollegeDisplacement policy unclear

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

• SamfordDisplacement policy unclear

  The school does not publish a specific outside-scholarship displacement policy; confirm treatment with the aid office before counting on stacking.

• SoutheasternDisplacement 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 StateDisplacement 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.

• Taylor (IN)Cost-of-attendance cap

  All outside awards must be reported and will trigger a repackaging of the aid offer; actual reductions are governed by Taylor's cap that outside aid plus Taylor aid and family resources cannot exceed total educational costs, direct and indirect.

• Tennessee StateCost-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 ChristiDisplacement policy unclear

  the published policy only explains that if a student's loans or other grants are reduced after reporting a private scholarship, the student may file a Cost of Attendance Change Request Form to seek an increase in their COA or maximum aid limit. It does not state the trigger condition or order for reductions. Confirm the actual displacement policy with the financial aid office.

• Texas TechLoan-first displacement

  Outside scholarships at TTU can reduce federal/state need-based aid (subsidized loans, work-study, state aid, institutional grants), but TTU explicitly protects UNIVERSITY scholarships — meaning the Presidential Merit award is not reduced by outside aid.

• The CitadelCost-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 StateCost-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.

• TuskegeeCost-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 UniversityGrant-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.

• UABCost-of-attendance cap

  the published policy states only that loans may be reduced if the total of all funding sources exceeds cost of attendance; it does not establish that loans or work-study are reduced ahead of institutional grants, and it never mentions institutional grants being reduced or protected. Confirm the actual reduction order with the aid office.

• UAHDisplacement 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.

• UAFCost-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.

• UAFSCost-of-attendance cap

  UAFS applies aid in a set order: non-institutional funds, including outside designated scholarships, are applied before institutional 'University Aid' merit scholarships, which are applied last. A student's final university scholarship disbursement may be reduced so that university aid never pays more than the total owed to the university, which can reduce the refund a student receives after charges are paid; the published policy does not state whether outside scholarships or loans specifically remain refundable.

• UDallasCost-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 IsleLoan-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.'

• UNLVCost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• 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 MexicoMixed 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)Displacement policy unclear

  The school does not publish a specific outside-scholarship displacement policy; confirm treatment with the aid office before counting on stacking.

• North DakotaNo displacement

  UND lets you keep your institutional scholarships when you win an outside award — 'You may accept non-UND scholarships without affecting your UND scholarships' — but external awards still have to be reported and are accounted for in the federal financial-aid package. National Merit and other UND awards stack up to the full cost of attendance.

• University of North GeorgiaDisplacement 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 MissCost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• UrsulineCost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• Utah Valley UniversityLoan-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 WallaDisplacement policy unclear

  The school does not publish a specific outside-scholarship displacement policy; confirm treatment with the aid office before counting on stacking.

• West Virginia UniversityCost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• Western KentuckyLoan-first displacement

  Academic Scholarships and Supplemental Scholarships can stack together, up to Cost of Attendance. University scholarships cannot be received simultaneously with a full-tuition waiver. Outside/private scholarships are used to replace loans first rather than grants at WKU. Total aid (grants + loans + scholarships) cannot exceed Cost of Attendance budget. Border State, TIP, and WKU Family Scholarships cannot be received simultaneously with each other.

• LouisvilleLoan-first displacement

  Louisville publishes a clear overaward/stacking policy. When you bring an outside scholarship, the office reduces self-help aid (loans and work-study) FIRST before touching any grant or scholarship — so an outside award generally replaces your loans rather than displacing your institutional merit, up to the cost-of-attendance ceiling.

• WinthropCost-of-attendance cap

  Outside scholarships only trigger an aid adjustment if total aid would exceed the cost of attendance (or the student's aid eligibility cap); below that ceiling, awards are not displaced.

• Xavier (Louisiana)Cost-of-attendance cap

  All institutional aid is capped at the Direct cost of attendance (tuition, room and board, and mandatory university fees). Scholarship amounts may be reduced when federal and state grant aid is received, so federal/state grants and outside aid can displace XULA scholarship dollars once the Direct-cost ceiling is reached.