Financial assistance includes gift aid (scholarships and grants) and self-help aid (works and loans) which may be offered singularly or in combination. In selecting students to receive institutional gift consideration shall be given to gift and aid already available to the student from other sources. This should prohibit a concentration of gift aid among students for any single group, i.e. "the most needy of the needy." This ensures a much more equitable distribution of funds. Selection of students to receive financial aid will be made without regard to race, color, religion, sex, national origin, ancestry, age, marital status, handicap or veteran status. In determining a student's resources, four things are considered: family income, family assets, student assets and student income. The total amount of financial assistance offered to a student shall not exceed his/her cost of attendance. Need for financial assistance is considered after all other resources available to the student.