Students are awarded scholarships based on academic, athletic, artistic or other talents. Scholarships do not have to be repaid. All Xavier students are automatically considered for scholarships when they apply for admission. Students are generally awarded grants based on financial need or a specific talent. Undergraduate students who demonstrate need, according to the federal need analysis formula, may qualify for a subsidized Direct Loan. The Office of Student Financial Assistance is available to guide you and your family through the financial aid process.