Among them are scholarship programs such as Andrews Partnership Scholarship, Art and Helen Nickless Scholarship, Auburn Jaycees Education Scholarship, and Bay City Civitan/Marcella Barber Scholarship. It is interesting to note that, every year, around 99% of students at AU receive some kind of financial aid, while the total amount of assistance/loans provided is $5,279,815. At AU, the total percentage of applicants who receive the Federal Grant stands at 25%. On the other hand, 99% of the candidates get the Student Grant, 99% receive the Institution Grant, and 25% get the Pell Grant. Furthermore, the average aid for the Federal Grant receivers is $5,696, and the same stands at $2,266 for State Grant awardees and $15,863 for Institution Grant recipients. And, for the Pell Grant awardees, the average aid amount is $5,030. Among other things, the annual family income of the applicant plays a major role in determining the total financial aid they are actually eligible to receive. Apart from financial grants and scholarships, candidates can also avail of monetary benefits like student loans to fund their education. But, they should understand that student loans are borrowed at a certain rate of interest, unlike grants and scholarships. Moreover, the funds received through these loans will have to be repaid within a given timeframe. Every year, around 59% of the applicants to Andrews University opt for student loans.