好像是有這麽一個說法，當學校給一個學生助學金financial aid/Grant的時候，如果學生同時收到了別的機構發的各種獎學金scholarship，這些外部的獎學金會被用來抵充學校給的錢，理由是學生的financial need減少了，結果學生爭取來的獎學金等於是發給了學校，學生家庭出的錢還是一分不少？
比如MIT就這麽說（僅僅是舉個例子）
There are many private scholarships that you can apply for on your own. MIT considers outside scholarships as additional money that you have available to reduce or cover your student contribution. When we calculate your financial aid, we consider all the resources your family has available. Outside scholarships are considered available resources. Any outside scholarship will first be used to reduce your student contribution. If your outside scholarship is more than the $5,400 student contribution, the remainder will reduce your MIT scholarship. An outside scholarship cannot be used to replace the parent contribution.
看上去的意思說，如果拿了FA的mit學生再拿外麵的獎學金，超過5400的部分就是給學校省錢了，等於是浪費了外麵的獎學金。
所以拿了FA的是不是就不需要再到外麵申請什麽錢了？反正太多的也用不了？有經驗的講講是不是這樣的情況？如果是那種幾萬的獎學金，是不是必須是自己付全額學費的情況下才能享受到？
