Scholarship Fund Programs

MOAA Scholarship Fund is proud to offer students of military families financial relief to allievate some of the burden that comes with continuing education. The applications for our programs are open from November 1st through March 1st for the following school year. The application for the 2023-2024 academic year will open on November 1, 2022. 

Interest-Free Loans

This is our main program. The interest-free loans are renewable annually for up to five years of full-time undergraduate study. The interest-free loan program currently provides a $7,000 loan per student each year. Students selected as loan recipients and their sponsoring parent must sign a promissory note before receiving funds. We disburse funds electronically in two increments: one-half in early August and one-half in mid-December. 


I was accepted to Mercer University School of Medicine. I would not have been able to afford the rigorous education at Mercer if not for your past generosity.

Sarah T., Intrest-Free loan beneficiary


To better assist students of military families continue their education, the MOAA Scholarship Fund Board of Directors recently updated our disbursement formula to enable the fund to distribute more assistance in the form of grants. In 2021, 36% of assistance distributed was in the form of grants compared to 12% in 2019.

Designated Scholar Program: We consider all loan recipients for this program. Students chosen receive a $6,500 interest-free loan and a $500 grant named by the donor. Students must correspond with the donor or their designee each fall.

Senior Grants: We notify current loan recipients entering their final year in college of these grants in January of their junior year. Students who believe they are eligible for these grants and who do not receive an emailed link to the application should email for additional information. Recipients of Senior Grants become ineligible for further Educational Assistance programs. The number of grants awarded varies from year to year.

General John Paul Ratay Educational Fund Grants: These grants are limited to children whose military parent retired and subsequently died. Students qualifying for a loan who meet the criteria of a Ratay grant are automatically considered. Students who believe they are eligible for these grants and who do not receive a request for supporting documentation should email Funding for this grant is limited, so we might not award these annually.
We disburse scholarships and grants in early August. Students may only receive one type of Educational Assistance each school year.


Since financial stress has been an everyday reality of my academic career, this grant means so much to me and makes my goals much more attainable... thank you from the bottom of my heart.

Sydney G., Senior Grant recipeient