Mississippi Institutions of Higher Learning

Mississippi Institutions of Higher Learning

Mississippi schools mainly use the Federal Family Education Loan Program (FFELP) for federal student loans .

Education Services Foundation (ESF) is the nonprofit managing company for the Mississippi Higher Education Assistance Corporation (MHEAC).

This agency is independent of the Mississippi Institutions of Higher Learning.

ESF used to offer added benefits when students got their loans from them, such as no fees and interest rate reductions after the grace period. Now, there are no added incentives.

College loans for students in Mississippi

Counseling and School Administration Loan/Scholarship (CSA)

- for a public school teacher admitted into a Mississippi Counseling or School Administration graduate program

- agrees to remain employed full-time as a classroom teacher in a Mississippi public school while in graduate school

- award is reimbursement of earned graduate hours

Critical Needs Teacher Loan/Scholarship Program (CNTP)

- for a junior or senior student at a four year Mississippi college

- agrees to work immediately after graduation as a full-time classroom teacher in a Mississippi public school in an area of critical shortage- 1 year of work for each loan year

- award is tuition and fees + average cost of room and meals + an allowance for books

Family Medical Education Loan/Scholarship

- Program discontinued- renewals only

Graduate and Professional Degree Loan/Scholarship

- for Mississippi residents who are admitted into an approved out-of-state school for the study of chiropractic medicine, orthotics/prosthetics or podiatric medicine

- agrees to practice the approved medical specialty in Mississippi immediately upon degree completion- 1 year of work for each loan year

- award is $7,000 per year

Graduate Teacher Loan/Scholarship (GTS)

-for a public school teacher admitted into a Mississippi graduate school of education

- one year service as a full-time teacher in a Mississippi public school at the same time scholarship is used and for one full academic year following degree completion

- award is reimbursement of earned graduate hours

Health Care Professions Loan/Scholarship

- for a resident junior, senior or graduate student at a Mississippi college majoring in speech pathology, psychology or a graduate major in physical therapy or occupational therapy

- agrees to work at one of the state operated health institutions- 1 year of work for each loan year

- award is $1,500 per year for 2 years for undergrads; $3,000 per year for 2 years for graduate students

Nursing Education Loan Scholarship Program (NELS)

- for Mississippi juniors, seniors, and graduates who are pursuing a baccalaureate or higher degree in nursing

- agrees to work in public health in Mississippi- 1 year of work for each loan year

- award is $4,000 per year for 2 years for degrees except PHD; PHD award is $5,000 for two years

Nursing Teacher Stipend Program (NTSP)

- for Mississippi nurses enrolled in a graduate school of nursing and in the Nursing Education Loan/Scholarship Program

- agrees to teach in an accredited school of nursing in Mississippi after graduation- 2 years of work for each loan year

- award is $1,000 per month

Southern Regional Education Board Doctoral Scholars

- for Mississippi students seeking a first doctoral degree in science, science education, math, math education or engineering

- agrees to teach in an accredited public college or university equal to the length of study provided under the award

- award is up to $20,000 per year for 3 years

Southern Regional Education Board Loan/Scholarship

- for Mississippi students admitted into an approved out of state school for study of optometry or osteopathic medicine

- agrees to practice medicine (patient care) in the specialty area in Mississippi- 1 year of work for each loan year

- award funds are determined annually- award can be for up to 4 years

State Dental Education Loan/Scholarship

- for Mississippi students admitted into the University of Mississippi School of Dentistry for the study of family dentistry

- agrees to practice family dentistry immediately upon graduation in a critical need area of the state- 1 year of work for each loan year

- award is tuition for up to 4 years

State Medical Education Loan/Scholarship

- for Mississippi students admitted to the University of Mississippi School of Medicine for the study of family medicine, internal medicine, pediatrics or obstetrics/gynecology

- agrees to practice their specialty in a critical need area of the state- 1 year of work for each loan year

- award is tuition for up to 4 years

Veterinary Medicine Minority Loan Scholarship

- for classified minority Mississippi students admitted to the Mississippi State University College of Veterinary Medicine

- agrees to practice veterinary medicine in Mississippi- 1 year of work for each loan year

- award is $6,000 per year for up to 4 years

William Winter Teacher Scholar Loan (WWTS)

- for Mississippi juniors or seniors at a four year Mississippi college or university

- agrees to work immediately upon undergraduate degree completion as a full-time classroom teacher in a public school in Mississippi- 1 year of work for each loan year

- award is $4,00 per year for 4 semesters

Mississippi Institutions of Higher Learning is the agency responsible for administering all of these programs.

The Mississippi Institutions of Higher Learning assists the education and health majors in their state with loan scholarships. For other majors, there are some need-based grant programs.


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