Information on programs that provide financial aid to colleges and students are described in this information sheet of the National Information Center for Handicapped Children and Youth. Four basic categories of financial aid are grants, loans, work, and benefits. The Division of Personnel Preparation of the U.S. Department of Education makes grants to colleges to prepare people to work with handicapped students; the colleges provide aid directly to students. Military funds include Reserve Officers' Training Corps scholarships for men and women, which are offered by the Army, Navy, and Air Force. Financial assistance is available for veterans, a veteran's dependent, a disabled person, or a disabled person's dependent. Programs include the Vietnam G.I. Bill, Supplemental Security Income, and Social Security Disability Insurance. The college financial aid office or high school are required by federal regulation to provide students information, including types of aid, applying for aid, college costs, and refund policies. Sources of information about private financial aid, including ethnic organizations, are noted, along with seven creative ways for students to finance their education. A list of 10 guides and directories of financial aid resources and ordering information is included. (SW)