Question

when looking at a financial aid award letter, which type(s) of aid would you have to pay back?
merit scholarship
federal work-study
direct subsidized loan
federal pell grant

Explanation:

Scholarships and grants are gift aid that do not require repayment. Federal Work-Study is earned income through employment, not money that needs to be repaid. Loans, however, are borrowed funds that must be repaid with interest.

Answer:

Direct Subsidized Loan