Application Details and Requirements
Applicants for our programs must be attending an accredited college or university as full-time students during the 2022-2023 academic year. All loans, scholarships, and grants are for students seeking their first undergraduate degree and are awarded for no more than five school years. No loans, scholarships, or grants are available for graduate-level studies.
General Eligibility: Applicants must be under 24 years old. Applicants must have a parent eligible for MOAA membership or be children of active duty, Reserve, National Guard, or retired enlisted military personnel. If the applicant served in a uniformed service before completing college, his or her maximum age for eligibility will be increased by the number of years he or she so served, up to five years. Applicants must have a high school GPA of 3.0 or higher. Children attending U.S. military academies and academy prep schools are not eligible. If selected for any Educational Assistance program, the sponsoring parent must have a paid MOAA membership (if parent is a military officer) throughout the college years and, if applicable, until the loan is repaid. Male applicants are encouraged to register for the Selective Service.
Selection Criteria: We evaluate students based of their scholastic ability (1/3), extracurricular activities (1/3), and financial need (1/3). The applicant provides this information in the online application.
Process: We notify semifinalists in mid-March, and they must submit supporting documentation. We notify finalists in early June, and they must submit proof of MOAA membership as appropriate and a fully executed promissory note.
Interest-Free Loans: This is our main program. The interest-free loans are renewable annually for up to five years of full-time undergraduate study. The interest-free loan program currently provides a $7,000 loan per student each year. Students selected as loan recipients and their sponsoring parent must sign a promissory note before receiving funds. We disburse funds electronically in two increments: one-half in early August and one-half in mid-December.