The Evalee C. Schwarz Charitable Trust for Education provides interest-free loans to undergraduate and graduate students who demonstrate exceptional academic performance and financial need. You must be a U.S. citizen, have an Expected Family Contribution (EFC) of $5,500 or less, and attend school in the state in which you reside (some exceptions apply). You must also have an outstanding combination of standardized test scores and grades. Law students are not eligible to apply.