Families of Freedom Scholarship Fund
If you’re a student or family member of a student who’s currently registered for the Families of Freedom Scholarship Fund — or if you’re wondering how to register and apply — you’ve come to the right place.
Registrants must be dependent children, spouses, or domestic partners of 9/11 victims, including airplane crew and passengers; World Trade Center and Pentagon workers and visitors; and relief workers, including firefighters, emergency medical personnel, and law enforcement personnel, who were involved in the rescue efforts.
Parents and siblings of victims are not eligible unless they can provide documentation of financial dependence on the victim.
All scholarship applicants must complete the registration process prior to submitting their first application. The Families of Freedom Scholarship Fund is only accepting registrations for victims who passed away on the day of September 11, 2001. Registration for the families of disabled victims is closed.
Families of Freedom Scholarships are available for children who enroll in a program of postsecondary study by age 24. (Those children who turn 24 during their course of study must then continue their program of study uninterrupted, with the exception of summer vacations, in order to continue receiving scholarship assistance.)
Students who show no financial need may receive a modest onetime award, but they will not qualify to reapply. If a student has received a no need award in the past they will no longer qualify for additional funding.
Permanently disabled individuals must be deemed disabled by the Social Security Administration and have successfully completed the Families of Freedom registration process prior to September 30, 2016. The registration period has closed indefinitely for victims who were permanently disabled as a direct result of 9/11.
Children of disabled registrants must have been born after September 11, 2001 but prior to September 30, 2008 in order to be eligible.
Eligible Uses of Funds
- Scholarships may be used to attend an accredited vocational-technical school, trade school, two-year college, four-year college, or university located in the United States.
- Funds are only available for undergraduate study.
- Families of Freedom Scholarships are available for postsecondary study only. The Families of Freedom Scholarship Fund does not provide scholarships for elementary or secondary school.
- Families of Freedom Scholarship recipients may receive need-based scholarship awards for up to four years, or the equivalent if attendance is part-time, depending on total funding available.
- Eligibility for scholarship assistance is always based on financial need, as calculated by our financial need formula.
- Families of Freedom Scholarships are not provided to pay tuition or student loans retroactively.
- Although conditions may change over time, including the percentage of financial need covered, retroactive payments will not be made from the Fund to past recipients.
- Grades are not considered in determining initial eligibility for Families of Freedom scholarships or the value of scholarship awards. However, a transcript of grades is required to verify enrollment and course completion for prior terms.
- Students must apply each year for awards from the Fund in order to determine continued eligibility and award amount.
- Eligibility for scholarship assistance is always based on financial need. Award amounts for eligible students may change yearly, based on changes in family finances, changes in tuition rates, and current actuarial projections for the Fund.
College costs and scholarship amounts differ from student to student, family to family. This tool can make things easier to figure out.
Step 1: Answer the questions below to determine the Suggested Parental Contribution (SPC)
Step 2: Print the Estimated Award Amount Worksheet (Document will open in a new tab or window.)
Step 3: Enter SPC value calculated in Step 1 on the SPC line of the Estimated Award Amount Worksheet
Step 4: Complete remainder of worksheet to determine estimated award amount
Note: Do not use commas, symbols or decimal places. For example, enter 12000 not $12,000, or 12000.00 or 12K.
About the Calculator
The SPC (Suggested Parental Contribution) Calculator in conjunction with the Estimated Award Amount Worksheet are available to assist you with your planning and budgeting needs. You can use these tools to 1) estimate what the family is expected to contribute to the college expenses of the student based on your current financial circumstances and 2) estimate the amount that may be awarded to you by the Families of Freedom Scholarship Fund.
- Please note that changes to family income, school costs, additional financial aid received, number of family members attending school, or adjustments to the SPC calculations will result in changes to the SPC and/or estimated award amount. The final award amount will be determined after an official application has been submitted and reviewed by Scholarship America.
- If applicant is a dependent child, the parent/guardian must provide this information for the application. If applicant is independent, he/she must provide the information. Adjusted Gross Income and federal income tax amounts should be from parents’/applicant’s most recently filed US tax return.• You may recalculate your SPC at any time. Select and change any numbers previously entered on this calculator, then click the Calculate SPCbutton to update the resulting calculated amount.
For applicants outside of the United States, please call 877-862-0136 or email email@example.com for a separate financial data form to complete.
Awards are based on a percentage of calculated financial need, not a percentage of the total school or college expense. Because of this, award amounts differ from student to student. The formula used to determine a student’s award amount is as follows:
minus SPC (as calculated above)
minus Other Scholarship and Grants
Equals: Financial Need
Award Amount = Financial Need multiplied by % of need to be allocated for the year. The percentage of need to be paid for the 2021-22 academic year is 40%. The percentage fluctuates from year to year based on an annually conducted actuarial study.
While the standard formula considers a wide range of income and assets in determining financial need, the Fund does not consider:
- Nontaxable income
• 9/11 Victim Compensation Fund assets
• Retirement funds
• Value of the family residence
• Student earnings
In addition, the first $500,000 of family assets (cash, checking account, savings account, and cash value of stocks) is ignored in the financial needs calculation. However, interest income from the Victim Compensation Fund awards that families have invested is included in the need calculation, as it is often impossible to separate this investment income from the rest of the interest income that people report on their tax returns.
- Nontaxable income
How do I submit an application?
Click the Apply Now button on the Families of Freedom website. It will automatically redirect you to the secure Scholarship America HUB.
Click on First Time Here – I am a Student to create a username and password. You will then receive an email to verify your account. Click the link in the email to verify your account and finish setting up your profile.
Once your profile is set up you be directed to a list of potential scholarships. Look for the Families of Freedom Scholarship (there may be more then one ie. Summer/Fall/Year) click the apply now button for the term you are applying.
Complete the application, and upload the required documents before you Lock and Submit.
For full instructions, click on this link: Application Instructions
Can the same email be used for every family member?
No. A unique email address should be set up for each student. We discourage applicants from using their EDU school address.
Are Victim’s Compensation Fund/Life Insurance payments included in the financial need calculation when determining award amounts?
Interest earnings reflected in the parent’s annual Adjusted Gross Income (AGI) are considered taxable income and will be used in the financial need calculation if it is reported as taxable income on the filed IRS Tax Form 1040.
Can the Supporting Documents be emailed, or Faxed in?
All supporting documents need to be uploaded when completing the application. For privacy, and security purposes, we no longer accept emailed, or faxed documents.
What information is important for me to keep?
You should retain your registration number, username, password, and the email address you used to set up your account. We highly recommend keeping a folder containing all of your login information and copies of paperwork throughout the duration of your scholarship.
What is the difference between applying for a Full Year vs. Semester/Quarter/Other?
Full Year applications are accepted for full-time undergraduate students attending an entire academic year. One application can be submitted for the entire year.
All other terms (Semester/Quarter/Summer) are used to apply for a single quarter or semester, part-time, summer, or certifications programs. A new application, and supporting documents must be submitted for each term attended.
Can I apply for summer enrollment?
Yes! However, it is important to note that summer funding does count against the maximum number of semesters you are eligible to receive. Students are eligible for a total of four academic years of funding or its equivalent of eight semesters.
How do I determine how much funding I will receive?
To get an estimated Parent Contribution and Award Amount please use the Estimated Award Calculator on the Families of Freedom website.
If my tuition is due prior to the check disbursement dates, what should I do?
You are responsible for making payment to the school if tuition is due prior to check disbursement dates. Please work with the school for reimbursement of expenses paid out of pocket when you present the scholarship check to the school. Provide the school with a copy of your notification of award email as soon as you receive it.
In addition to the main Families of Freedom Scholarship Fund, a number of donors have established subfunds. These are operated in conjunction with the main Families of Freedom Scholarship Fund. In general, these subfunds provide awards to financially needy children and spouses of 9/11 victims in the same manner as the main Fund. However, only two of these subfunds are governed by the Families of Freedom Scholarship Fund Declaration. The rest are governed by separate, independent agreements between Scholarship America and the donors which detail the specific terms and conditions of each subfund.
“General Subfunds” are open to all Families of Freedom Scholarship Fund registrants. Others, listed as “Designated Subfunds,” are open only to specific groups of Families of Freedom Scholarship Fund registrants, such as rescue personnel or students attending certain colleges and universities.
Benjamin Moore & Co.
Heroes of Freedom Fund
Biogen Legacy Fund
Citigroup Relief Fund
Freddie Mac MBS Mega Scholarship Fund
Hyogo Prefecture Friendship Fund
International Youth Foundation (IYF)
Nokia Education Fund
Major League Baseball (MLB)/ Major League Baseball Players Association (MLBPA) Freedom Scholarship Fund
The National Automobile Dealers Charitable Foundation (NADCF) created the Fund
PeopleSoft/Oracle Scholarship Fund
PGA TOUR 9-11 Scholarship Fund
The Polo Ralph Lauren Foundation American Heroes Fund
Scottish Rite National Disaster Relief Scholarship Fund
Big Ten 9-11 Scholarship Fund
DuPont Scholarship Fund
Japan Relief Fund
NCAA 9-11 Scholarships
Twin Towers Fund Scholarship Program
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