Best Higher Education Grants in New Jersey

For 30 years, the Carolinas Credit Union Foundation has served as a partner in philanthropy to credit unions, with a mission to empower and inspire credit unions in the Carolinas through collaborative opportunities to enrich our communities. A great example of this collaborative philanthropy is our scholarship program. 

More than 20 credit unions in North Carolina and South Carolina have active managed funds at the Foundation. The generosity of these credit unions helps hundreds of high school seniors as well as undergraduate and graduate students receive scholarship funds each year.

As a member of any of the following credit unions, you may apply for a scholarship. 

About NUFCU

Neighbors United Federal Credit Union is a federally chartered, not-for-profit financial cooperative, offering a wide array of financial services and products to meet our members’ needs since 1961. We are owned by our members, and excess income is returned to them in the form of lower fees, and more attractive rates.

Membership in Neighbors United Federal Credit Union is open to persons who live, work, worship, or attend school, and businesses and other legal entities located in the following counties in South Carolina: Greenwood, Laurens, Edgefield, Abbeville, Newberry, Saluda, and McCormick.

Neighbors United Federal Credit Union Scholarship Fund

With a Neighbors United FCU Scholarship, you have the chance to win the funds you need to start your college experience!  

Students can apply for the Neighbors United scholarship of $1,000.

For 30 years, the Carolinas Credit Union Foundation has served as a partner in philanthropy to credit unions, with a mission to empower and inspire credit unions in the Carolinas through collaborative opportunities to enrich our communities. A great example of this collaborative philanthropy is our scholarship program. 

More than 20 credit unions in North Carolina and South Carolina have active managed funds at the Foundation. The generosity of these credit unions helps hundreds of high school seniors as well as undergraduate and graduate students receive scholarship funds each year.

As a member of any of the following credit unions, you may apply for a scholarship. 

Palmetto Citizens Scholarship Fund

At Palmetto Citizens, we're committed to giving back to our members and community, beyond just providing low-cost financial services. We're excited to partner with the Carolinas Credit Union Foundation to award TWENTY individual members with a $1,000 Pametto Citizens Scholarship!

The Carolinas Credit Union Foundation offers a General Fund Scholarship if you are not chosen, or are not eligible, to receive a Palmetto Citizens Scholarship. You are automatically entered into this General Fund Scholarship by submitting an application for the Palmetto Citizens Scholarship (cannot be awarded both). 

For 30 years, the Carolinas Credit Union Foundation has served as a partner in philanthropy to credit unions, with a mission to empower and inspire credit unions in the Carolinas through collaborative opportunities to enrich our communities. A great example of this collaborative philanthropy is our scholarship program. 

More than 20 credit unions in North Carolina and South Carolina have active managed funds at the Foundation. The generosity of these credit unions helps hundreds of high school seniors as well as undergraduate and graduate students receive scholarship funds each year.

As a member of any of the following credit unions, you may apply for a scholarship. 

 Blue Flame Credit Union Scholarship Fund

Most families need scholarship help when it comes to paying for college for their children.

Academic Scholarships for Full-Time Students

As a benefit of membership, Blue Flame Credit Union provides eligible student members with the opportunity to apply for scholarships through the Carolina’s Credit Union Foundation. Applications are generally available beginning mid December, with scholarships usually being awarded the following May.

For 30 years, the Carolinas Credit Union Foundation has served as a partner in philanthropy to credit unions, with a mission to empower and inspire credit unions in the Carolinas through collaborative opportunities to enrich our communities. A great example of this collaborative philanthropy is our scholarship program. 

More than 20 credit unions in North Carolina and South Carolina have active managed funds at the Foundation. The generosity of these credit unions helps hundreds of high school seniors as well as undergraduate and graduate students receive scholarship funds each year.

As a member of any of the following credit unions, you may apply for a scholarship. 

MTC Federal Credit Union Scholarship Fund

For MTC Federal members who are pursuing an undergraduate degree and seeking financial assistance.

Scholarships. Preparing for your future.

If you are an MTC Federal Credit Union member pursuing an undergraduate degree, the MTC Federal Scholarship Program may be able to provide financial assistance. For those who apply but aren’t selected, the Carolinas Credit Union Foundation General Fund Scholarship offers another opportunity.

For those who apply to the MTC Federal Foundation Scholarship Program but aren’t accepted, the Carolinas Credit Union Foundation Scholarship may be able to provide financial assistance.

Scholarships do not automatically renew; selected recipients will receive a one-time distribution of funds. However, prior recipients are welcome to reapply.

For 30 years, the Carolinas Credit Union Foundation has served as a partner in philanthropy to credit unions, with a mission to empower and inspire credit unions in the Carolinas through collaborative opportunities to enrich our communities. A great example of this collaborative philanthropy is our scholarship program. 

More than 20 credit unions in North Carolina and South Carolina have active managed funds at the Foundation. The generosity of these credit unions helps hundreds of high school seniors as well as undergraduate and graduate students receive scholarship funds each year.

As a member of any of the following credit unions, you may apply for a scholarship. 

Lion's Share Federal Credit Union Scholarship Fund

All college-aged, Lion's Share students! We're offering THREE $2,000 Lion's Share scholarships to help a group of qualified students continue their education.

About Legacy Foundation

Legacy Foundation is the community foundation for Lake County, Indiana. We connect people, knowledge, and funding to build an equitable, accessible, and inclusive Lake County, now and for generations to come.

Legacy Foundation is supported by a broad base of individuals, families, and businesses connected by the desire to improve Lake County, Indiana. With a growing portfolio of over 300 funds and approximately $80 million in assets, Legacy Foundation is a trusted source for philanthropic giving in the region.

For over 30 years, Legacy Foundation has been empowering people, providing strategic leadership, and impactful philanthropic support to create an equitable Lake County where all people thrive.

Mission Statement

Transforming Lake County by providing strategic leadership and impactful philanthropic support to ensure equitable opportunity for all communities that we serve.

Vision Statement

Create an equitable Lake County where all people thrive.

Mary Francis Book Scholarship

Use the chart below to see which scholarships are the best fit for you! You must complete the Legacy Universal Application to apply.

Scholarship eligibility requires students to attend an accredited 2 or 4 year public or private institution of higher learning. All scholarships are for full-time students, unless otherwise noted. Renewable awards are for 4 years of undergraduate study and cannot be used for post graduate coursework; all awards are paid directly to the school or may be used for book reimbursement.

About Legacy Foundation

Legacy Foundation is the community foundation for Lake County, Indiana. We connect people, knowledge, and funding to build an equitable, accessible, and inclusive Lake County, now and for generations to come.

Legacy Foundation is supported by a broad base of individuals, families, and businesses connected by the desire to improve Lake County, Indiana. With a growing portfolio of over 300 funds and approximately $80 million in assets, Legacy Foundation is a trusted source for philanthropic giving in the region.

For over 30 years, Legacy Foundation has been empowering people, providing strategic leadership, and impactful philanthropic support to create an equitable Lake County where all people thrive.

Mission Statement

Transforming Lake County by providing strategic leadership and impactful philanthropic support to ensure equitable opportunity for all communities that we serve.

Vision Statement

Create an equitable Lake County where all people thrive.

Milton and Ruby McClendon Scholarship

Use the chart below to see which scholarships are the best fit for you! You must complete the Legacy Universal Application to apply.

Scholarship eligibility requires students to attend an accredited 2 or 4 year public or private institution of higher learning. All scholarships are for full-time students, unless otherwise noted. Renewable awards are for 4 years of undergraduate study and cannot be used for post graduate coursework; all awards are paid directly to the school or may be used for book reimbursement.

About Legacy Foundation

Legacy Foundation is the community foundation for Lake County, Indiana. We connect people, knowledge, and funding to build an equitable, accessible, and inclusive Lake County, now and for generations to come.

Legacy Foundation is supported by a broad base of individuals, families, and businesses connected by the desire to improve Lake County, Indiana. With a growing portfolio of over 300 funds and approximately $80 million in assets, Legacy Foundation is a trusted source for philanthropic giving in the region.

For over 30 years, Legacy Foundation has been empowering people, providing strategic leadership, and impactful philanthropic support to create an equitable Lake County where all people thrive.

Mission Statement

Transforming Lake County by providing strategic leadership and impactful philanthropic support to ensure equitable opportunity for all communities that we serve.

Vision Statement

Create an equitable Lake County where all people thrive.

Milton and Ruby McClendon Scholarship

Use the chart below to see which scholarships are the best fit for you! You must complete the Legacy Universal Application to apply.

Scholarship eligibility requires students to attend an accredited 2 or 4 year public or private institution of higher learning. All scholarships are for full-time students, unless otherwise noted. Renewable awards are for 4 years of undergraduate study and cannot be used for post graduate coursework; all awards are paid directly to the school or may be used for book reimbursement.

About Legacy Foundation

Legacy Foundation is the community foundation for Lake County, Indiana. We connect people, knowledge, and funding to build an equitable, accessible, and inclusive Lake County, now and for generations to come.

Legacy Foundation is supported by a broad base of individuals, families, and businesses connected by the desire to improve Lake County, Indiana. With a growing portfolio of over 300 funds and approximately $80 million in assets, Legacy Foundation is a trusted source for philanthropic giving in the region.

For over 30 years, Legacy Foundation has been empowering people, providing strategic leadership, and impactful philanthropic support to create an equitable Lake County where all people thrive.

Mission Statement

Transforming Lake County by providing strategic leadership and impactful philanthropic support to ensure equitable opportunity for all communities that we serve.

Vision Statement

Create an equitable Lake County where all people thrive.

O'Shea Patrick McCarthy Scholarship

Use the chart below to see which scholarships are the best fit for you! You must complete the Legacy Universal Application to apply.

Scholarship eligibility requires students to attend an accredited 2 or 4 year public or private institution of higher learning. All scholarships are for full-time students, unless otherwise noted. Renewable awards are for 4 years of undergraduate study and cannot be used for post graduate coursework; all awards are paid directly to the school or may be used for book reimbursement.

About Legacy Foundation

Legacy Foundation is the community foundation for Lake County, Indiana. We connect people, knowledge, and funding to build an equitable, accessible, and inclusive Lake County, now and for generations to come.

Legacy Foundation is supported by a broad base of individuals, families, and businesses connected by the desire to improve Lake County, Indiana. With a growing portfolio of over 300 funds and approximately $80 million in assets, Legacy Foundation is a trusted source for philanthropic giving in the region.

For over 30 years, Legacy Foundation has been empowering people, providing strategic leadership, and impactful philanthropic support to create an equitable Lake County where all people thrive.

Mission Statement

Transforming Lake County by providing strategic leadership and impactful philanthropic support to ensure equitable opportunity for all communities that we serve.

Vision Statement

Create an equitable Lake County where all people thrive.

Peoples Bank Scholarship

Use the chart below to see which scholarships are the best fit for you! You must complete the Legacy Universal Application to apply.

Scholarship eligibility requires students to attend an accredited 2 or 4 year public or private institution of higher learning. All scholarships are for full-time students, unless otherwise noted. Renewable awards are for 4 years of undergraduate study and cannot be used for post graduate coursework; all awards are paid directly to the school or may be used for book reimbursement.

About Legacy Foundation

Legacy Foundation is the community foundation for Lake County, Indiana. We connect people, knowledge, and funding to build an equitable, accessible, and inclusive Lake County, now and for generations to come.

Legacy Foundation is supported by a broad base of individuals, families, and businesses connected by the desire to improve Lake County, Indiana. With a growing portfolio of over 300 funds and approximately $80 million in assets, Legacy Foundation is a trusted source for philanthropic giving in the region.

For over 30 years, Legacy Foundation has been empowering people, providing strategic leadership, and impactful philanthropic support to create an equitable Lake County where all people thrive.

Mission Statement

Transforming Lake County by providing strategic leadership and impactful philanthropic support to ensure equitable opportunity for all communities that we serve.

Vision Statement

Create an equitable Lake County where all people thrive.

Philippine Professionals Association Scholarship

Use the chart below to see which scholarships are the best fit for you! You must complete the Legacy Universal Application to apply.

Scholarship eligibility requires students to attend an accredited 2 or 4 year public or private institution of higher learning. All scholarships are for full-time students, unless otherwise noted. Renewable awards are for 4 years of undergraduate study and cannot be used for post graduate coursework; all awards are paid directly to the school or may be used for book reimbursement.

About Legacy Foundation

Legacy Foundation is the community foundation for Lake County, Indiana. We connect people, knowledge, and funding to build an equitable, accessible, and inclusive Lake County, now and for generations to come.

Legacy Foundation is supported by a broad base of individuals, families, and businesses connected by the desire to improve Lake County, Indiana. With a growing portfolio of over 300 funds and approximately $80 million in assets, Legacy Foundation is a trusted source for philanthropic giving in the region.

For over 30 years, Legacy Foundation has been empowering people, providing strategic leadership, and impactful philanthropic support to create an equitable Lake County where all people thrive.

Mission Statement

Transforming Lake County by providing strategic leadership and impactful philanthropic support to ensure equitable opportunity for all communities that we serve.

Vision Statement

Create an equitable Lake County where all people thrive.

Peter V. Westhaysen Medical Education Scholarship

Scholarships are available for post-secondary undergraduate, graduate and post-graduate students pursuing a degree to become a physician or nurse at an accredited university. The purpose of the scholarship is to assist the student with the costs of tuition, fees, and books. The Advisory Committee consider two basic criteria: academic achievement and financial need.

About Legacy Foundation

Legacy Foundation is the community foundation for Lake County, Indiana. We connect people, knowledge, and funding to build an equitable, accessible, and inclusive Lake County, now and for generations to come.

Legacy Foundation is supported by a broad base of individuals, families, and businesses connected by the desire to improve Lake County, Indiana. With a growing portfolio of over 300 funds and approximately $80 million in assets, Legacy Foundation is a trusted source for philanthropic giving in the region.

For over 30 years, Legacy Foundation has been empowering people, providing strategic leadership, and impactful philanthropic support to create an equitable Lake County where all people thrive.

Mission Statement

Transforming Lake County by providing strategic leadership and impactful philanthropic support to ensure equitable opportunity for all communities that we serve.

Vision Statement

Create an equitable Lake County where all people thrive.

Rachel Rodriguez Scholarship

Use the chart below to see which scholarships are the best fit for you! You must complete the Legacy Universal Application to apply.

Scholarship eligibility requires students to attend an accredited 2 or 4 year public or private institution of higher learning. All scholarships are for full-time students, unless otherwise noted. Renewable awards are for 4 years of undergraduate study and cannot be used for post graduate coursework; all awards are paid directly to the school or may be used for book reimbursement.

About Legacy Foundation

Legacy Foundation is the community foundation for Lake County, Indiana. We connect people, knowledge, and funding to build an equitable, accessible, and inclusive Lake County, now and for generations to come.

Legacy Foundation is supported by a broad base of individuals, families, and businesses connected by the desire to improve Lake County, Indiana. With a growing portfolio of over 300 funds and approximately $80 million in assets, Legacy Foundation is a trusted source for philanthropic giving in the region.

For over 30 years, Legacy Foundation has been empowering people, providing strategic leadership, and impactful philanthropic support to create an equitable Lake County where all people thrive.

Mission Statement

Transforming Lake County by providing strategic leadership and impactful philanthropic support to ensure equitable opportunity for all communities that we serve.

Vision Statement

Create an equitable Lake County where all people thrive.

Schrage Family Enrichment

Use the chart below to see which scholarships are the best fit for you! You must complete the Legacy Universal Application to apply.

Scholarship eligibility requires students to attend an accredited 2 or 4 year public or private institution of higher learning. All scholarships are for full-time students, unless otherwise noted. Renewable awards are for 4 years of undergraduate study and cannot be used for post graduate coursework; all awards are paid directly to the school or may be used for book reimbursement.

The American Academy of Optometry Foundation

The American Academy of Optometry (AAOF) is an association of optometric professionals who strive to stay at the top of their field. You will find like-minded colleagues within the American Academy of Optometry, an organization committed to promoting the art and science of vision care through lifelong learning.

The Academy’s membership is comprised of optometrists, vision scientists, and other qualified professionals who have committed themselves to the rigorous process required to achieve its prestigious designation, Fellow of the American Academy of Optometry (FAAO).

For more than a century, the Academy has provided Fellows access to the best minds in optometry, vision science, research, and more. Today’s Fellows welcome the opportunity to attend the Academy’s premiere event, its annual meeting. Other members include students, residents, and Candidates for Fellowship.

Each fall attendees from around the world gather for thousands of hours of continuing education and exposure to the most recent research, networking, and latest products and services. Fellows particularly value the opportunity to connect with colleagues and mentors while enjoying an exceptional level of camaraderie.

OD to PhD Scholarship Program

The OD/PhD Scholarship Program funds optometrists receiving a PhD in eye and vision related fields. Examples of appropriate PhD programs include but are not limited to: Vision Science, Physiological Optics, Biomedical Sciences, Public Health, Education (emphasis on Optometric Education), Neuroscience, and Psychology. The program provides vital support to those who will teach and lead the next generation of optometry students and advance the profession’s cutting-edge research.

The American Academy of Optometry Foundation is proud to partner with EssilorLuxottica to offer the OD to PhD Fellowship, an opportunity created to support optometrists who are ready to take the next step into vision science research. This fellowship is open to individuals who have completed or are completing the clinical training required for the optometry degree and who are enrolling in a PhD program in vision science or a related biomedical discipline.

This competitive fellowship provides financial support during the early years of doctoral training. Awardees receive funding in their first year and may receive additional support in the second year based on successful academic and research progress as detailed in their annual progress report.

Note, awardees may receive the fellowship for up to one successive, two-year period. 

Stark Community Foundation is one of the area’s major sources of college scholarship support— thanks to the generosity of caring individuals, families and businesses that have created scholarship funds.

The Foundation currently manages more than 100 scholarship funds that support hundreds of deserving students each year from Stark and Carroll counties. In 2025, more than $1,000,000 was awarded to local students to help them achieve their educational dreams.

The Perry Township School Memorial Scholarship Fund

The Perry Township School Memorial Scholarship Fund was established to assist high school graduates or high school seniors who have permanent residency in Perry Township in Carroll County, Ohio or who had a permanent residence on the date they began their post high school education. Applicants must have been accepted at and are planning to enroll, or are currently enrolled, at an accredited college, university, or technical school with at least a two-year course of study to pursue further education.

Amount:

• Varies. Minimum $500.

Renewable:

• Yes

Stark Community Foundation is one of the area’s major sources of college scholarship support— thanks to the generosity of caring individuals, families and businesses that have created scholarship funds.

The Foundation currently manages more than 100 scholarship funds that support hundreds of deserving students each year from Stark and Carroll counties. In 2025, more than $1,000,000 was awarded to local students to help them achieve their educational dreams.

The Melvin L. and Frances E. Tolson Scholarship Trust Fund

The Melvin L. and Frances E. Tolson Scholarship Trust Fund was established to assist students who are residents of Carroll County, Ohio in furthering their education with interests in either aviation, art education or fine and performing arts who are enrolled or accepted at a college, university, technical, or vocational school.

Amount:

• Varies. Minimum $500.

Renewable:

• Yes

Stark Community Foundation is one of the area’s major sources of college scholarship support— thanks to the generosity of caring individuals, families and businesses that have created scholarship funds.

The Foundation currently manages more than 100 scholarship funds that support hundreds of deserving students each year from Stark and Carroll counties. In 2025, more than $1,000,000 was awarded to local students to help them achieve their educational dreams.

The Howard and Edith Robertson Malvern Rotary Scholarship Fund

The Howard and Edith Robertson Malvern Rotary Scholarship Fund was established to assist graduating high school seniors who are residents of Brown Township in Carroll County, Ohio. 

Amount:

• Varies. Minimum $500

Renewable:

• Yes

Stark Community Foundation is one of the area’s major sources of college scholarship support— thanks to the generosity of caring individuals, families and businesses that have created scholarship funds.

The Foundation currently manages more than 100 scholarship funds that support hundreds of deserving students each year from Stark and Carroll counties. In 2025, more than $1,000,000 was awarded to local students to help them achieve their educational dreams.

The Church of Christ (Christian Disciples) Memorial Scholarship Fund

The Church of Christ (Christian Disciples) Memorial Scholarship Fund was established to help students who have permanent residence in Carroll County, Ohio or had a permanent residence on the date they began their post high school education.

Stark Community Foundation is one of the area’s major sources of college scholarship support— thanks to the generosity of caring individuals, families and businesses that have created scholarship funds.

The Foundation currently manages more than 100 scholarship funds that support hundreds of deserving students each year from Stark and Carroll counties. In 2025, more than $1,000,000 was awarded to local students to help them achieve their educational dreams.

The Bruce and Crystal Burgett Memorial Scholarship Fund

The Bruce and Crystal Burgett Memorial Scholarship Fund was established to assist Carrollton, Edison, or New Philadelphia High School graduates or graduating seniors majoring in an agricultural-related field of study. Students must demonstrate above-average academic achievement and a history of participation in extracurricular, civic, and/or community activities.

Amount:

• Varies. Minimum $500.

Renewable:

• Yes

Coral Gables Community Foundation

Led by community leaders, the Coral Gables Community Foundation provides the philanthropic conduit to connect individuals and corporations looking to positively impact the success of the community. Now in its 33rd year, the Foundation has been at the forefront of the evolving needs of Coral Gables while effectively bringing together beneficiaries and benefactors to fund programs with the greatest impact and benefit to “The City Beautiful.”

Coral Gables Community Foundation’s Scholarships Program

Coral Gables Community Foundation is honored to partner with our fundholders to administer generous scholarships as well as manage the Foundation’s own scholarship funds.

The Foundation and its fundholders have proudly awarded over $6.7 million in scholarships in just the last decade.

High-Achieving Four-Year Scholarship

This 4-year scholarship is given annually to students who have demonstrated overall academic achievement and dedication to service within the school and in his/her community, and have low family income. The Foundation also considers applicants’ motivation, financial need, and personal experiences.

Maintenance

In order to maintain the scholarship each year, the recipient must maintain a minimum overall 3.0 GPA throughout his/her college studies.

Epps Scholarship

The Epps Scholarship Fund was established at the Greater Kansas City Community Foundation by attorneys Willie and Mischa Epps to support the aspirations of college-bound high school seniors with an expressed interest in pursuing a legal education. This fund honors Dr. Willie James Epps, Sr. and Dr. Barbara Bacon Epps, both born and raised in rural, poor and segregated Mississippi, but excelled in school and became a part of the first generation in their respective families to attend college. Both went on to earn Ph.D.’s in the field of education and to teach at various schools, colleges and universities across the country. They instilled in their two children that faith and education are the keys to success. Their children became licensed attorneys who regularly attend church. Willie and his wife Mischa chose a non-traditional path to promote the scholarship opportunity by working in partnership with churches that disseminate the application and deadline information throughout their congregations.

The Epps Scholarship Fund awards scholarships to college-bound high school seniors based on demonstrated academic achievement, financial need, and an express interest in pursuing a legal education.

Scholarships will be awarded on an annual basis and disbursed in equal payments in August and January. Each scholarship awarded will be a minimum of $2,000 annually to be paid in two equal installments.

This scholarship is not renewable.

Each year, Innovia awards over $400,000 in scholarships to deserving students like you who are college-bound or pursuing vocational or technical training. Single scholarship awards range between $500 and $4,000.

Spokane Area Swimming Adam England Memorial Scholarship

Graduating high school seniors in all counties served by the Foundation are eligible to apply. Applicants must have participated in competitive swimming meets while in high school and must submit a letter of recommendation from a coach confirming participation in these swimming meets. Applicants must have a minimum 3.5 GPA and plan to enroll in post-high school program at full-time status.

Rika Ream Environmental Scholarship

Applicants must be residents of Spokane County who are accepted or enrolled as a full-time college student to pursue a degree in environmental sciences, environmental studies, ecology, recreational management, or land management. Previous recipients are eligible to re-apply. 

Outreach Foundation Helen Bonser Scholarship

This scholarship supports the educational aspirations of individuals from Spokane and Kootenai Counties who identify as LGBTQA+ or Allies, helping them achieve their academic and career goals while fostering a sense of community engagement. 

Applicants should demonstrate exceptional character, leadership, and/or LGBTQA+ community involvement. Recipients are eligible to re-apply and compete for the Outreach Foundation Helen Bonser Scholarship after a waiting period of 5 years.

Mondovi Grange/Wilson Farm Scholarship

Applicants must be graduating seniors or graduates of schools in Lincoln County, Washington, or from that part of Spokane County in the Reardan-Edwall School District, or a direct descendant of someone previously employed by Dale D. Wilson, regardless of their current residence location.

Previous recipients are eligible to re-apply. 

Mark and Kay Burkett Scholarship

Applicants must be American citizens demonstrating financial need and academic achievement, and must have a minimum 3.5 cumulative GPA. Students must reside in or have attended high school within the geographic region served by Innovia Foundation.

Previous recipients are eligible to re-apply.