Our next application cycle for interest-free education loans will begin January 2, 2012 for funding of the 2012-2013 academic year.  Please read below for eligibility requirements and instructions on how to apply: ELIGIBILITY Applicant must be a citizen of the United States or in possession of an Alien Registration Card.  Applicant must be a permanent resident (defined as having primary home of record within and limited to) the St. Louis metropolitan area, i.e, St. Louis city or the Missouri counties of St. Louis, Franklin, Jefferson, Lincoln, St. Charles or Warren, or the Illinois counties of Clinton, Jersey, Madison, Monroe, or St. Clair for at least two years prior to the date of the application. Must demonstrate financial need. Must have achieved a minimum cumulative 2.0 grade point average on a 4.0 scale. Must plan to enroll in or be currently enrolled in a degree program at a nonprofit higher education institution accredited by a regional accrediting body (North Central or its equivalent in the region). Must be a responsible borrower, without history of educational loan default or bankruptcy. In some instances, a statement of exceptional circumstances will be considered. Seeking a first Associate or first Bachelor`s degree. All fields of study, except the ministry, are eligible for funding. Students who have already obtained a bachelor’s degree are not eligible. Additional eligibility requirements may apply depending on the specific program for which you are applying. See the application for further information or contact The Scholarship Foundation office for more details.  HOW TO APPLY The Scholarship Foundation of St. Louis has joined with other like organizations in the St. Louis metro area to create a common scholarship application that provides access to numerous funding opportunities through one, simple web-based application. If you are a first time applicant to the Scholarship Foundation, we encourage you to click this link to access the Scholarship Central system on the St. Louis Graduates website. Once there, you will find instructions on how to access the system, complete a profile, and apply to not only to our application, but to many other funding opportunities in the process! If you are already a recipient of funding from the Scholarship Foundation and are seeking to renew your application, please click here to download a renewal application form. Please submit your renewal application and supporting materials in person or by mail to: The Scholarship Foundation 8215 Clayton Road St. Louis , MO 63117 Mailed applications must be postmarked no later than the application deadline date! Please be aware that your complete Federal Student Aid Report (SAR) and Official Academic Transcripts are required in order to complete your renewal application. Beat the deadline!! Incomplete or late applications will not be considered.