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Combine Scholarships & Financial Aid in USA: 2024 Guide for Indian Students

Can I combine scholarships with other financial aid in USA?

Imagine securing a scholarship covering a portion of your tuition fees. Then, you can use grants, work-study earnings, and even federal loans to cover the remaining costs, such as living expenses, books, and other fees. This combined approach ensures you have the financial resources to thrive academically and personally during your time in the USA.

Strategies to Maximize Your Funding

  • Strategic Scholarship Search: Identify scholarships that explicitly allow stacking with other financial aid. Look for scholarships offered by your chosen university, private organizations that support Indian students (e.g., Inlaks Shivdasani Foundation), or organizations focused on your specific field of study.
  • Master the FAFSA: The Free Application for Federal Student Aid (FAFSA) is a crucial step in accessing federal grants, work-study programs, and federal loans. Work closely with your university’s financial aid office to navigate the FAFSA process as an international student.
  • Be Transparent: When applying for financial aid, disclose any scholarships you’ve received. This ensures that universities can accurately assess your financial need and create a tailored financial aid package.
  • Negotiate (If Possible): After receiving your financial aid package, don’t hesitate to inquire about negotiation opportunities. Highlighting additional scholarships or unexpected expenses might lead to adjustments in your aid package.

Key Takeaways

  • Timely Research is Key: Start researching scholarships and financial aid options well in advance of application deadlines.
  • Don’t Miss Deadlines: Mark your calendar with important deadlines and submit your applications on time.
  • Seek Expert Guidance: Reach out to your university’s financial aid office or education advisors for personalized assistance and guidance.

Your American Dream is Closer Than You Think!

By strategically combining scholarships with other financial aid, you can pave the way for an enriching and affordable educational experience in the USA. Remember, your potential is limitless, and with the right resources and strategies, you can turn your dreams into reality.

What is the Niyo Scholarship

The Niyo Scholarship for Indian students with sights set on international education this Fall 2024!

Niyo which provides free Zero Forex Cards to Indian students to help them save forex charges while studying abroad has launched a $20,000 scholarship fund divided into 10 scholarships each worth $2,000, to outstanding Indian students who are starting their Master’s or Bachelors programs at universities outside India.

The eligibility criteria are broad to ensure that students from all backgrounds have a chance. Whether you are an academic achiever, facing financial difficulties, demonstrated innovative ideas, or are committed to social work, the Niyo Scholarship can support your journey to a world-class education. 

This initiative aims to help students from various fields and encourage diverse talents to pursue their educational dreams abroad.

How to Apply:

  • Download the Niyo app (click on the button or scan the QR to download). 

  • Get your free Niyo card (it’s quick and easy!).

  • Watch for the scholarship banner on the Niyo app homepage (will appear once you complete the card order process).

  • Click on the banner to access the application form.

  • Fill out the form and submit your application.

Don’t miss out on this incredible opportunity! Download the Niyo app, get your card, and be ready to apply for the scholarship.


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