This volume provides information on more than 1,300 merit scholarships and other no-need funding programs available specifically to students already in college or students who are thinking about returning to college. Programs listed in the guide make decisions based upon student academic records, research skills, writing ability, creative activities, religious or ethnic background, organizational or military activities, athletic success, career plans, or random drawings, but the decisions are not based on financial need. Following introductory material covering the types of aid included in the volume, the volume's organizational structure, and related publications of interest, information on merit and no-need funding sources is listed by topic (sciences, social sciences, humanities, etc.). Next, state sources of information on educational benefits are listed, including state financial aid and guaranteed student loan programs. The final section, titled "Financial Aid Library," is an annotated bibliography of financial aid reference materials, including general financial aid directories, subject/activity directories, special group directories, a contest and award directory, internship directories, guides costing less than $4.95, and cyberspace sites. Indexes allow users to look up information by program title, sponsoring organization, residency (where the student will live while attending school), subject, and deadline date. (MAB)