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      "text": "Types of financial aid: Grants and scholarships are free gifts that generally don't have to be repaid. Grants are typically need-based, while scholarships are merit-based. Loans must be paid back with interest.",
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      "text": "Grants and scholarships are free gifts that generally don't have to be repaid. Grants are typically need-based, while scholarships are merit-based. Loans must be paid back with interest.",
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      "text": "Source: studentaid.gov (U.S. Department of Education).",
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