Types of Financial Aid

Financial aid comes in many forms including federal and state aid, scholarships, institutional aid and loans.

Need-Based Aid

To be considered for the aid listed below students are required to complete the Free Application for Federal Student Aid (FAFSA.

Federal Need-Based Aid

Federal Pell Grant - The Federal Pell Grant is awarded to eligible undergraduate students seeking their first bachelor’s degree. The amount you receive will depend not only on your financial need, but also on your Cost of Attendance, your status as a full-time or part-time student, and your plans to attend school for a full academic year or less.

Federal Supplemental Educational Opportunity Grant (FSEOG) - Federal Supplemental Educational Opportunity Grants (FSEOG) are awarded to undergraduate Pell Grant recipients with exceptional need.

Grant amounts are based on program funding and priority is given to students whose FAFSA is received by March 30 (Date subject to change based on funding limits). Subsequent awards may be available later in the year as funding permits.

Federal Self-Help Aid

Federal Work-Study (FWS) - The purpose of the Federal Work Study Program is to give part-time employment to students who need the income to help meet the cost of their post secondary education and to encourage FWS recipients to participate in community service activities. A student must have financial need to be eligible for a FWS job. A portion of FWS funds will be used to fund workers for community service employment.

The Subsidized Federal Direct Loan is based on financial need, which is determined by using a federal formula. A loan is subsidized when the government pays the interest for the student during the following periods: while the student is enrolled in school at least half-time, during the six month grace period after the student stops attending school at least half-time, and during periods of authorized deferment.

The Unsubsidized Federal Direct Loan is not subsidized by the government; the student is responsible for all interest which accrues during in-school, grace, and deferment periods. Students may choose to make interest payments while in school or they may defer the interest until repayment when the interest will be added (capitalized) to their principal balance.

Student loans are required to disburse in equal installments for the loan period (i.e. once each semester during a school year or two equal disbursements for a single semester loan). The school will verify that the student is still enrolled at least half-time, attending classes and making satisfactory academic progress before disbursing the funds to the student’s account.

State Need-Based Aid

MCS/MTG (The Michigan Competitive Scholarship/Michigan Tuition Grant) – The MCS/MTG is administered through the State of Michigan for Michigan residents only. The amount is determined by a formula which takes into consideration other gift aid and parent/student contribution. Funding is limited. The priority date for completing the FAFSA is March 1 to be considered for the MSC/MTG.

Institutional Need-Based Aid

KUOG (Kettering University Opportunity Grant) – The amount is determined by an institutional formula. Grant amounts are based on program funding and priority is given to students whose FAFSA is received by May 1. Subsequent awards may be available later in the year as funding permits.

Scholarships for Incoming Students

Merit scholarships are available for all Kettering students whether a freshman, international student or a transfer student.

Freshman Merit Scholarship - Merit Scholarships are awarded to students based on academic performance. Academic performance indicators used to assess Merit Awards include a combination of ACT and / or SAT scores, plus GPA. All accepted applicants are reviewed by the scholarship review committee. Merit Awards have a range of $3,500 - $17,500 / year.

Transfer Students Scholarships - We have a range of scholarships available for transfer students. Merit scholarships have a range of $3,500 - $17,500 / year.

International Students Scholarships - International students are eligible for several scholarships including merit and other scholarships.

Other Scholarships - Scholarships are available based on involvement in extracurricular activities, co-op employment and partners and academic interest.

Upper Class Scholarships

The Financial Aid Office is introducing a new easy, mobile, personalized process that makes finding and applying for scholarships easier.

What is Scholarship Universe?

Scholarship Universe is a state of the art matching system that maximizes scholarship opportunities for students. Scholarship Universe allows students to create an academic profile that enables them to be connected with various scholarship opportunities from Kettering University as well as outside scholarship organizations. 

Each scholarship opportunity that a student sees on Scholarship Universe has gone through an extensive vetting process in order to protect students from scholarship scams. When students are searching for good matches in Scholarship Universe, they can rest assured that the opportunities are legitimate and worth the time and effort it takes to apply.

How do I use this service as a student?

  1. Create a Scholarship Universe account >
  2. Answer ALL questions in order to build your profile and match you to eligible scholarships.
  3. After you have answered the questions Click on the “Scholarships” tab on the left hand side in Scholarship Universe and start applying!

What should you know about Scholarship Universe?

  • Be sure to update your profile frequently. Information such as GPA, class standing, etc. will all affect what scholarships you are matched to and can apply for.
  • We do not share your information, all data collected is used strictly for matching you to scholarships and awarding scholarships from Kettering University.


Contact finaid@kettering.edu.

Additional Questions & Answers

Q: Do I have to fill out the Free Application for Federal Student Aid (FAFSA) to receive a scholarship?

A: The FAFSA is required for need-based scholarships.

Q: How is the scholarship award determined?

A: Applications are evaluated based on completeness, required GPA, and if the student meets and completes all of the scholarship requirements. Students should submit a complete application that demonstrates why they deserve to receive a scholarship. Every attempt is made to match students with the specific requirement for a scholarship fund. Students may be awarded a scholarship for which they did not specifically apply.

Q: Can I apply for more than one scholarship?

A: Students may apply for as many scholarships for which they meet the eligibility requirements.

Q: Will a scholarship affect my other financial aid awards?

A: Students who are receiving federal, state or institutional need-based financial aid may have their financial aid awards reduced with the addition of a scholarship (total aid cannot exceed financial need and the cost of attendance at Kettering University).

Q: What happens if I do not attend Kettering University for a semester that I was awarded a scholarship?

A: The scholarship will be cancelled for the semester awarded. The scholarship can only be used during the academic year that it was awarded.

Endowment Thank You Letters

If you are awarded an endowed scholarship please use these guidelines when writing your letter to share a little bit about yourself and to express your thanks directly to the people who made these funds possible.

Be sure to include in your letter:

  • Your thanks and what this scholarship means to you
  • Your grade level and your major
  • Where you currently work
  • Where you are from, where you grew up, what high school you attended
  • What inspired you to attend Kettering University

You could also include:

  • Work project/experience that you think was particularly interesting
  • Your family information (brothers, sisters)
  • Activities, hobbies, interests and anything else you’d like to include

Please use this format:

  • Letter should fit on one side of a 8 ½ x 11 paper
  • 1” margins around
  • Times New Roman font
  • Font size 12
  • At least 3 paragraphs - in block format
  • Include your typed name, but no signature
  • Do not include contact information such as address, phone number, special letterhead, etc.
  • Copy and paste your picture toward the bottom of the letter, below your typed signature – approximate size 3” x 2”

Send your letter and a good photo of yourself to finaid@kettering.edu

Private Scholarships

Private scholarships may be obtained through a wide variety of outside sources.Generally, you must apply for scholarships and these applications can require documentation, interviews and essay-writing. Pay close attention to deadlines.

The following is a limited list of private outside scholarships. Kettering University does not guarantee the availability of scholarships on these sites nor are we involved in the selection of recipients for these scholarships. Questions about an individual scholarship should be directed to the individual private scholarship foundation.

ACEC/Michigan Scholarship (American Council for Engineering Companies)

This scholarship is open to students who have worked for a consulting engineering, surveying, or architectural/engineering firm within the past 24 months. Criteria is based on GPA, work experience, school and work references and community activity. Applicants must also write an essay answering the question provided.

AES Engineering Solutions Scholarship

Students must submit an essay of no more than 1000 words in answer to the following question: "When you look back on your life in 30 years, what would it take for you to consider your life successful? What relationships or accomplishments will be important on this journey?"
Amount of award: $500.00
Deadline for entry: Check back often for newest deadline
Submit essay to: scholarships@aesengineers.com

AGMA Foundation Scholarship

The AGMA Foundation Scholarship Program is open to students interested in a career in the gear industry, and or a career in power transmission as it relates to the gear industry. Applicants must be currently enrolled, or recently accepted, as a full or part-time student in an accredited program.

Preference is given to applicants with work experience in the gearing and/or power transmission industries.  Undergraduate and Graduate scholarship awards are $5,000 per year.

The AGMA Foundation Scholarship Guidelines and Application Form are available on the AGMA Foundation website

American Muscle's Student Scholarship

Four scholarships for $2,000 each will be awarded to students pursuing an automotive themed major. Two scholarships will be awarded every spring semester, followed by two additional scholarships to be awarded for the fall semester each year.

The Program:

  • Awards offered to 4 currently enrolled students or high school seniors who are pursuing post-secondary education an opportunity to be awarded $2,000 in tuition assistance towards their upcoming semester. This scholarship is ongoing and will be available for both the spring and fall semesters each year.
  • Students should submit a 700-1500 word essay to scholarships@americanmuscle.com stating who you are and how you plan on using your automotive education to incite positive change and innovation within the custom car industry. All entries must be submitted as a PDF or Microsoft Word document to be eligible for consideration and must also be accompanied by proof of current enrollment in an accredited United States college or university.
  • Submit your essay by 12 p.m. EST on October 15 for all spring semester applicants and by June 15 for all fall applicants. Winning scholarships will be paid directly to the school as a tuition payment.
  • Winners will be selected by November 15 for all spring recipients and by July 15 for fall applicants.

ASME Scholarships

ASME Scholarships are awarded annually and recipients must be a current ASME student member to login to the online application system. Students must have established their grade point average (GPA) in their degree programs to qualify for ASME Scholarships and should complete the online application form during the application cycle from January 6 thru March 1.

B. Davis Scholarship

The creators of the “Student Award Search Aid” website are offering a scholarship of $1,000. Check back often for newest deadline.

Benjamin A Gilman International Scholarship

The Gilman Scholarship Program offers awards for undergraduate study abroad and was established by the International Academic Opportunity Act of 2000. This scholarship provides awards for U.S. undergraduate students who are receiving Federal Pell Grant funding at a two-year or four-year college or university to participate in study abroad programs worldwide.

The Berto Diaz Engineering Scholarship Fund

The Scholarship was established in memory of Roberto Ugo Diaz. Berto was a Calibration Engineer at GM. He earned a Bachelor of Science degree in Mechanical Engineering and was a co-operative education student at GM while earning his degree. Berto was also an Eagle Scout.

Each spring, up to two $1,000 scholarships will be awarded to high school seniors entering a 4-year engineering program. Recipients will have the opportunity to extend their scholarship for subsequent years.

Chameleon John Student Scholarship

Current or future (next year) students (of any year) are eligible for the scholarship. The $3,000 scholarship will be awarded to one student and the money will be transferred to their University's bank account to cover the tuition fee.

Computer Science Degree Scholarships

Use the link above to get a comprehensive review of available scholarships, listed by eligible student groups, and a step-by-step guide to finding and applying for CS scholarships


At The DevTeam.Space, we value education and helping those in need. STEM careers are growing in demand year over year. And it's going to be even more demanding field in the future. We have top level STEM experts working on different software and hardware projects. We want to help even more students have the opportunity to become a data scientist, technology expert in a given field, an engineer in the field of renewable energy, or a mathematician in a new economy of tomorrow.

To apply for the Spring 2019 scholarship contest, applicants must submit a 500+ word essay on the following topic:

How STEM careers would affect the World in the next 500 years?

Dr. Adawia Alousi STEM Scholarship Fund for Muslim Women

The Dr. Adawia Alousi STEM Scholarship Fund for Muslim Women provides financial assistance to American Muslim women pursuing science, technology, engineering and mathematics (STEM) fields in the United States.

It is anticipated that the Dr. Adawia Alousi STEM Scholarship for Muslim Women will be between $2,500 and $10,000 per student for undergraduates, and up to $10,000 for graduate students. The scholarship may be renewable for students maintaining satisfactory academic performance.

Learn more about the fund and access the application.

Financial Aid for Minority Students

View a list of available scholarships. Scholarships are listed at the bottom of the page.

Go For The Gold!

Sponsor: Industrial Access, Inc.
Major: Engineering

Industrial Access, Inc. will award a $3,000 scholarship to one student that is or will be enrolled in an engineering school or field of study. As an advocate of higher education, Industrial Access, Inc. is looking forward to helping a dedicated engineering student with their academic finances in the upcoming 2017/18 school year. We will be awarding a $3,000 scholarship to a deserving student who displays a passion for the engineering field, has a good academic record in High School and who has significant volunteer activity.

Students who qualify will be studying engineering with a track in environmental, structural, civil, mechanical, electrical, geotechnical, chemical, project management, architectural or management.

Applicants must provide the following to be considered for the scholarship:

  • A completed application (online)
  • An official copy of your current academic transcript
  • An essay of 500-1000 words discussing one of the topics listed on the application
  • Documented volunteer hours with contact information for the organization
  • Application must originate from a participating college or university that has listed our link on the school's website in accordance with the instructions provided to each school.

Google Scholarships

Google believes information should be universally accessible and their education and scholarship programs aim to inspire and help students become future leaders in computing and technology by breaking down the barriers that prevent them from entering these fields. If selected, scholarship recipients receive a $10,000 scholarship. Scholarships are awarded based on the strength of applicants' academic background, leadership, and demonstrated passion for computer science.

For questions and complete details on all of our scholarships, please visit g.co/scholarships.

Great Lakes National Scholarship Program

To be eligible, a student must:

  • Be enrolled full-time with a major in a STEM discipline at a public or private two- or four-year college, university, or vocational-technical school.
  • Have a minimum cumulative grade point average of 2.75.
  • Be a U.S. citizen or permanent resident.
  • Demonstrate financial need.

Dan and Vicky Hancock Scholarship for Mechanical Engineering Excellence 

The Dan and Vicky Hancock Scholarship for Mechanical Engineering Excellence, established by Dan and Vicky Hancock, provides financial support for students pursuing college degrees in the field of mechanical engineering.

Eligibility Requirements

  • U.S. Resident
  • Open to all applicants - freshman through senior
  • Required major: mechanical engineering
  • GPA requirements: 3.5 for high school applicants and a 3.0 cumulative college GPA for upperclassmen
  • SAT/ACT requirement: Applicant must have a Total SAT score of 1220 or higher and/or an ACT composite score of 27 or above
  • Required documents include: official high school transcript and/or college transcripts; SAT/ACT scores; completed FAFSA form; two letters of recommendation - one from an advisor of a related extracurricular activity; and an essay that outlines financial need and career interest
  • Other: preference given to Kettering University students; participation in extracurricular activities relating to academic degree or career intent (such as, but not limited to, CDS projects) that indicates leadership potential

Hispanic Scholarship Fund

HSF/Nissan North America, Inc. Scholarship Program

Eligibility Requirements:

  • Be of Hispanic heritage
  • Be a U.S. Citizen, legal permanent resident or eligible non-U.S. citizen
  • Be a Sophomore, Junior, Senior, Fifth-year Senior or Master's student studying full-time at a four-year U.S. accredited institution
  • Must be pursuing a major in: Advertising, Accounting, Human Resources Management, International Relations, Marketing, Public Relations or a Business or Engineering discipline
  • Have a minimum cumulative grade point average (GPA) of 3.0 on a 4.0 scale
  • Must have a permanent address OR attend an institution in one of the following areas:
    • Arizona (state)
    • Dallas, Texas (metro)
    • Fort Worth, Texas (county)
    • Michigan (state)
    • Mississippi (state)
    • San Diego, California (metro)
    • Tennessee (state)
  • Community College students transferring to a four-year institution are encouraged to apply
  • Must apply for federal financial aid by completing the Free Application for Federal Student Aid (FAFSA)

IFC Community Involvement Scholarship

The Interfraternity Council (IFC) of Kettering University wants to empower Kettering University students to become involved with their community. To empower and encourage students, IFC offers a $1000 scholarship to a student who has positively impacted the Flint community with his/her service and has ideas of how we as Kettering students can serve the people of Flint.

This Scholarship is open to all Kettering students including those without Greek affiliation. To obtain the following scholarship you must meet the following criteria:

  • Have a GPA of 2.5 or greater
  • Write an essay (500 word minimum) on how you have served the Flint community and the opportunities available for the Kettering community to serve Flint
  • Must be a Kettering University student
  • May not be an IFC officer

The essays are due 4th Friday of Spring term. The scholarship is awarded 5th week Friday during the Greek Week Events. The winner must be present to obtain the award.

Jack Kent Cooke Foundation Scholarships

The Jack Kent Cooke Foundation's scholarship programs are designed to encourage and support outstanding students who work hard and have financial need. Our scholarships provide financial assistance and academic support to high school, undergraduate, and graduate students.


JustJobs.com's scholarship program awards $3,000 to one student per year. Applicants must be currently enrolled in an undergrad or graduate program at one of our registered schools in the US. There is NO application fee. See past award finalists.

The Material Handling Education Foundation, Inc.

Scholarships are available for full-time students preparing for careers in the material handling, logistics, and supply chain industry. Apply using the online application. One application enables the student to compete for one of approximately 50 available scholarships offered by the Foundation.

National Society of Professional Engineers

Click on the link above to see a variety of scholarships offered to graduate and undergraduate engineering majors. Deadlines vary throughout spring.

Plastics Pioneers Association

Plastics Pioneers Association is offering competitive scholarships up to $3,000, directed to undergraduate students interested in careers in the field of plastics and polymers.

The SEMA Memorial Scholarship application

The SEMA Memorial Scholarship program offers financial assistance of up to $5,000 to help foster the next generation of automotive aftermarket industry leaders and innovators.

Below are the minimum eligibility requirements to qualify for a SEMA Memorial Scholarship award:

  • Be a U.S. citizen enrolled in a full-time program of study at an accredited university
  • If currently attending a four-year accredited university or college you must have completed a minimum of 50 credit hours or
  • If currently attending a two-year accredited community college or vocational/technical program you must have completed a minimum of 25 credit hours
  • Have a minimum 2.5 grade point average
  • Remain enrolled as a full-time student for the first full semester, quarter or term following the award

Society of Women Engineers

Click link above to see scholarship opportunities through the Society of Women Engineers.


Applying for loans may seem confusing at first because college loans can come from a number of sources. Loans are either direct student loans (government-based) or private. No matter which type of loan, you should start the application process four to six weeks prior to the start of your academic term.

Direct Loans

Direct loans come from the Federal Education Loan Programs. They can be either need-based loans (Direct Federal Subsidized Loans) or non-need based (Direct Federal Unsubsidized Loans, Direct Plus Loans, and Direct Consolidated Loans).

Learn more about the Federal Education Loan Program

Private Student Loans

Private Student Loans are loans offered by non-government financial institutions specifically to assist in the cost of attending college. Kettering University uses strict criteria based on your interests and not those of our institution when determining which lenders to include in our private loan information. We recognize only those lenders who provide you with exceptional customer service; excellent incentives, timely processing, and electronic funds transfer capabilities when possible. However, you are free to select any lender you choose, including those not presented on our lender list.

You should make sure you have exhausted all of your federal financial aid options by completing the FAFSA before deciding to apply for a private student loan. Our financial aid specialists are always available to answer any questions you might have.

(800) 955-4464 ext. 7859 or (810) 762-7859

National Student Loan Data System

The National Student Loan Data System (NSLDS) is the U.S. Department of Education's central database for student aid. It receives data from schools, agencies that guaranty loans, the Direct Loan program, and other U.S. Department of Education programs. NSLDS provides a centralized, integrated view of Title IV loans and grants that are tracked through their entire cycle; from aid approval through closure.

You can use the NSLDS Student Access Web Site to make inquiries about your Title IV loans and/or grants. The site displays information on loan and/or grant amounts, outstanding balances, loan statuses, and disbursements. 

In order to use the NSLDS Student Access web site, you will need to provide your Social Security number (SSN), the first two letters of your last name, your date of birth, and your PIN (formerly known as EAC).

Federal and Private Loan Code of Conduct

To comply with the 2008 Higher Education Opportunity Act, Kettering University adopts the following Student Loan Code of Conduct to serve as the formal guiding principles in insuring the integrity of the student financial aid process. All Kettering University officers, employees and agents who have responsibilities with respect to student educational loans are required to comply with this Student Loan Code of Conduct.

No employee, officer or agent of Kettering University will have any arrangement with a lender that results in the lender paying a fee or other benefits, including a share of profits, to the school, its officers, employees or agents, in exchange for loan referrals or preferential treatment.

No employee, officer or agent of Kettering University who has responsibilities with respect to education loans or financial aid services shall solicit or accept any gift from any lending institution.

Prohibited gifts include, but are not limited to:

  • transportation
  • lodging
  • meals
  • entertainment
  • discounts
  • loans
  • favors or any other item having a monetary value of more than a de minimus amount

The law does provide for some exceptions related to specific types of activities or literature:

  • Brochures or training material related to default aversion or financial literacy
  • Food, training or informational materials as part of training as long as that training contributes to the professional development of those individuals attending the training
  • Entrance and exit counseling as long as the institution's staff are in control and they do not promote the services of a specific lender
  • Philanthropic contributions from a lender, GA or servicer unrelated to education loans
  • State education, grants, scholarships or financial aid funds administered by or on behalf of the State

No employee, officer or agent of Kettering University who has responsibilities with respect to education loans or financial aid services shall accept from any lending institution any fee, payment, or other financial benefit as compensation for any type of consulting arrangement or other contract to provide services to any lending institution relating to education loans.

Kettering University will not request or accept any offer of funds for an opportunity loan pool, in exchange for providing concessions or promises to the lender for a specific number of loans, or inclusion on a preferred lender list.

Kettering University will not request or accept any assistance with call center staffing or financial aid office staffing.

No employee of Kettering University may receive anything of value from a lender, guarantor, or group in exchange for serving on an advisory boards. They may, however, accept reimbursement for reasonable expenses incurred while serving in this capacity.

Cohort Default Rate

A cohort default rate is the percentage of a school's borrowers who enter repayment on certain Federal Family Education Loan (FFEL) Program or William D. Ford Federal Direct Loan (Direct Loan) Program loans during a particular federal fiscal year (FY), October 1 to September 30, and default or meet other specified conditions prior to the end of the second following fiscal year. 

Listed below is Kettering University’s 3-YEAR Cohort Default Rate: 

  • FY2014 = 3.0% (Michigan average is 14.4% and national average is 11.5% which includes all public, private and for-profit institutions)
  • FY2015 = 3.5% (Michigan average is 12.2% and national average is 10.8% which includes all public, private and for-profit institutions)
  • FY2016 = 4.0% (Michigan average is 11.5% and national average is 10.1% which includes all public, private and for-profit institutions)

Please refer to the Cohort Default Rate Guide for a more in-depth description of cohort default rates and how the rates are calculated.

Official Cohort Default Rates

Cohort Default Rate Guide