Community Foundation of Western Massachusetts Scholarship and Loan Program
The Community Foundation of Western Massachusetts pools more than 160 scholarship funds and two interest-free education-loan programs for students in Franklin, Hampden, and Hampshire counties, with some exceptions for nearby counties. Students submit one scholarship application and the team identifies matching funds; awards generally cover one year and are not automatically renewed. This is a regional resource, not a statewide grant for every Massachusetts resident.
About Community Foundation of Western Massachusetts Scholarship and Loan Program
The Community Foundation of Western Massachusetts pools more than 160 scholarship funds and two interest-free education-loan programs for students in Franklin, Hampden, and Hampshire counties, with some exceptions for nearby counties. Students submit one scholarship application and the team identifies matching funds; awards generally cover one year and are not automatically renewed. This is a regional resource, not a statewide grant for every Massachusetts resident.
For 2026–27, the scholarship application opened January 1 and closed March 1. The foundation says students may receive up to $3,000 in scholarships, subject to eligible funds, and must reapply each year. A separate education loan application is currently open until noon on October 22, 2026; this near-term deadline is for the loan, not the closed scholarship cycle.
The loan program allows up to $3,000 per year, for as many as four years, with a $12,000 lifetime maximum. Although interest-free, it must be repaid; repayment begins 90 days after graduation or stopping attendance, and late fees may apply. The application requires the 2026–27 FAFSA and proof of enrollment or courses. Criteria differ between the James W. Colgan Loan for Massachusetts residents and the Sutton-Annen loan for students of Swiss descent.
For either route, calculate the remaining cost after Pell and other scholarships, confirm the institution is accredited, and ask which expenses qualify. A loan is not a grant and does not become a scholarship because it is interest-free. To apply for the current loan cycle, students upload FAFSA and a transcript, bill, or enrollment certificate; selected borrowers must also complete a promissory note and entrance counseling.
Ask the financial-aid office for a written term-by-term estimate separating tuition, fees, housing, books, and other costs. Keep the award letter, records, and any service agreement. If your studies, residence, or course load change, contact the administrator before that decision affects your aid.
College scholarship and financial-aid program