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Scholarships and Grants

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Applicants for all of our programs must be planning to attend accredited colleges or universities during the 2014-2015 school year as full-time students. All loans, grants, and scholarships are designated for students seeking their first undergraduate degrees.  No loans, grants, or scholarships are applicable for graduate study


There is one online application for all scholarships, grants, and interest-free loan programs.  


American Patriot Scholarship 

Students (under age 24) who are children of an active-duty, reserve, or National Guard parent who died on active service or children of severely wounded (as defined as Traumatic SGLI) are eligible to apply. Surviving spouse's membership in MOAA is required for consideration where applicable. Military academy cadets are not eligible for this program. The amount of this award is dependent upon donations but will be at least $2,500. Qualified students are selected on a basis of their scholastic ability, activities, and financial need. The number of scholarships also will be determined by the amount of the funds raised. Please note that semifinalists for this program will be notified on the Web site and by e-mails only.  More: American Patriot Scholarship Program.


Designated Scholar Program 

Loan recipients are automatically considered for this grant. This program replaces the $5,500 interest free loan with a $5,000 interest free loan and a $500 grant. No special application is necessary.


Senior Grants 

Only current loan recipients entering their final year in college are eligible for these grants. Eligible students will be sent the necessary information at the appropriate time.


General John Paul Ratay Educational Fund Grants 

These $5,000 grants are limited to children of the surviving spouse of retired officers. A student cannot receive both a MOAA loan and a Ratay grant. Students applying for a loan who also meet the criteria of a Ratay grant automatically will be considered. No separate application is required.


Deadline and Content 

The online application opens in November and must be completed and submitted no later than noon EST March 1st of the following year. Please note: If March 1st falls on a weekend, the application will close at Noon on the next business day. Semifinalists are notified in March. Recipients are notified in May.