Among them are scholarship programs such as Dr. Allen Smith Memorial Scholarship, Education Foundation Scholarship, Educational Assistance Commitment Grant, and James R. Hunt Memorial Scholarship. Notably, 93% of the students at University of Northwestern Ohio get some kind of financial aid every year, and the total amount of assistance/loans provided adds up to around $16,495,602. One can visit UNO's financial aid page at http://www.unoh.edu/offices/financial-aid/index.html for more information. Notably, a total of 48% of the applicants to University of Northwestern Ohio receive the Federal Grant every year. Meanwhile, 67% of the applicants receive the Student Grant and 21% are awarded the Institution Grant, while 48% of the students get the Pell Grant. Moreover, the average aid amount for Federal Grant awardees stands at $5,705, while the same comes to $3,045 for State Grant receivers and $2,515 for Institution Grant awardees. And, for the Pell Grant awardees, the average aid amount is $5,419. 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. Students whose family income per annum is less than $30,000 will receive a federal aid of $7,628 on average in a year. For the $30,001-$48,000 and $48,001-$75,000 family income brackets, the average aid amount stands at $6,415 and $3,043, respectively. On the other hand, the average federal aid stands at $1,054 for those with an annual family income between $75,001 and $110,000, and at $830 for an income more than $110,000. Alternatively, the candidates can also avail of monetary benefits like student loans, apart from financial grants and scholarship schemes to pay for their studies. But, they should understand that student loans are borrowed at a certain rate of interest, unlike grants and scholarships. Candidates are also required to repay these loans within a given period. At University of Northwestern Ohio, the percentage of candidates who opt to avail of student loans is around 72%.