There are many resources available to the families of victims of the September 11th attacks. The following lists some of the services that families may be eligible to receive including financial assistance, legal advice and educational scholarships.

Financial
Legal
Educational
Camps

Financial Resources
Many victims' families face serious financial burdens as a result of the events of September 11, 2001. The following organizations and funds provide financial assistance to those in need.

• Asian-American Federation of New York: This organization provides coordination and information about services and funds provided by various agencies to Asian-Americans affected by the terrorist attacks. For more information, call 212-344-5878, ext. 13,
  or go online to the www.aafny.org
  
  
• Cantor Fitzgerald Relief Fund: Cantor Fitzgerald is a financial services firm that lost 658 employees in the World Trade Center attacks. The Cantor Fitzgerald Relief Fund was established to provide direct assistance to those who lost loved ones in the tragedy, as well as ongoing assistance for childcare, tuition, housing, and living expenses. Howard Lutnick and the Partners of Cantor Fitzgerald underwrite the expenses of the fund, which is staffed by volunteers so that each and every dollar raised goes directly to victims' families. For more information, call 212-596-9920 or go online to the Cantor Fitzgerald Relief Fund website.
  
  
• Carr Futures World Trade Center Memorial Fund: Carr Futures is a brokerage firm that lost a number of employees on September 11, 2001. The Carr Futures World Trade Center Memorial Fund will focus on the short-term emergency relief and assistance needs of families and partners of Carr employees who were the victims of the World Trade Center tragedy. The Fund may also provide longer-term assistance to the furthest extent possible for educational expenses, long-term health care, debt relief, and other appropriate purposes. Carr Futures is paying all direct administrative expenses associated with this Fund. For more information, call 312-441-4247 or go online to the Carr Futures website.
  
  
• JPMorgan Chase: This financial institution invites people and businesses affected by the terrorist attacks to apply for flexible mortgage policies and provides advice and bridge loans. Call 888-842-8786 or visit the JPMorgan Chase website to learn more.
  
  
• Nasdaq Issuers Disaster Relief Fund, Inc.: Nasdaq, the world's largest electronic stock market, created the Nasdaq Disaster Relief Fund to provide both immediate and long-term solutions for the families and victims of this disaster-from food and shelter to college education funding and more. Refer to the disaster relief section of the Nasdaq website for more information.
  
  
• New York State Crime Victims Board: This board provides financial assistance to cover expenses related to medical care, counseling, burial, and property damage; lost earnings to dependents of missing persons or those killed in the attacks; and to people who are unable to work due to injuries sustained during the attacks. To find out more, call 800-247-8035 or visit the New York State Crime Victims Board website.
  
  
• New York Police and Fire Widows' and Children's Benefit Fund: This fund was established to provide resources to help the families of New York City firefighters and police officers killed in the terrorist attacks with immediate expenses. The fund also distributes an annual check to each of the surviving families. Call 631-544-4616 or visit the New York Police and Fire Widows' and Children's' Benefit Fund website for more information.
  
  
• United Jewish Communities Emergency Relief Fund: This fund was established to provide financial assistance to victims of the terrorist attacks and their families. For more information, call 212-284-6671 or refer to the United Jewish Communities website.
  
  
• Winthrop H. Smith Memorial Foundation: This organization provides emergency financial aid to the spouses of victims who were Merrill Lynch employees. Call 201-871-0350 or email T. Phillips to learn more.
  
  
• World Trade Center Miracles Foundation: Victims of the terrorist attacks can seek financial assistance and plans for transitional needs from this source. For more information, call 800-318-7120 or request information via email.

Legal Resources
Victims' families face countless legal questions in the wake of the terrorist attacks, ranging from the right procedures to follow to collect life insurance policy benefits, to issues of citizenship and guardianship. The following organizations offer legal assistance to the families of victims.

• Legal Referral Service of New York City and County Bar Associations: This organization provides free legal assistance to victims of the terrorist attacks and their families. For more information, call 212-626-7373 or visit the iLawyer website.
  
  
• Legal Services for New York: This organization will provide free legal advice and representation to low-income victims of the attacks. For more information, call 212-431-7200.
  
  
• New York County Bar Association: The New York County Bar Association provides basic legal advice over the phone, including information and referrals to other lawyers for detailed assistance. Call 212-626-7373 to learn more.
  
  
• Legal Aid Society: The Legal Aid Society provides civil legal assistance for issues including housing, public benefits, immigration, health, disability, family law, consumer law, and tax law. For more information, call their hotline at 212-426-3070.
  
  
• Trial Lawyers Care, Inc.: This wholly owned subsidiary of the American Trial Lawyers' Association brings together 2,500 trial lawyers offering free legal assistance to the families of victims of the attacks. For more information visit the Trial Lawyers Care website, or call 917-464-0105.
  
• Cadwalader, Wickersham & Taft: The law firm of Cadwalader, Wickersham & Taft has assembled a comprehensive list of assistance resources in which you will find even more sources of legal aid. A copy of the Handbook of Public and Private Assistance Resources for the Victims and Families of the World Trade Center Attacks, is available at their website.

Education Resources
Several scholarship funds have been established for the children of those who perished in the terrorist attacks last September. Consult the following list for funds that might apply to you or your family.

• Association for Investment Management and Research (AIMR) 11 September Scholarship Fund: The AIMR is an association for investment practitioners and educators. Among the lives lost in the September 11, 2001 terrorist attacks were at least 56 AIMR members and CFA candidates. AIMR has established the 11 September Memorial Fund to provide scholarships of up to $25,000 annually to the casualties of the attacks and their spouses, domestic partners, and dependents who state a desire to pursue undergraduate degrees in finance, economics, or a related field. For more information, call 434-951-5345 or visit their website at http://www.aimr.org/.
  
  
• Sandler O'Neil Assistance Foundation: Friends of Sandler O'Neil & Partners, L.P., an investment banking firm, have established the Sandler O'Neil Assistance Foundation to provide financial and other assistance to the families of the victims of the September 11, 2001, tragedy. The grant-making process will be based on financial need, and preference will be give to the dependents of the Sandler O' Neil employees who lost their lives at the World Trade Center. While the Foundation will consider all requests for financial assistance, it has chosen post-secondary education for the dependents of the Sandler O'Neil victims as its main priority. For more information, call 973-701-7711.
  
  
• Windows of Hope Family Relief Fund: The Windows of Hope Family Relief Fund was formed to provide aid, future scholarships, and funds to the families of the victims of the World Trade Center tragedy who worked in the food, beverage, and hospitality professions. Windows of Hope will pay health insurance (COBRA) for each family for five years to ensure that all families receive continuous health coverage. Future contributions will be made after individual needs are assessed by the Community Service Society of New York (CSS). For more information, call 212-893-3710 or visit the Windows Of Hope website.
  
  
• Citigroup Relief Fund: Citigroup has established a $20 million scholarship fund for children of people who died or were permanently disabled as a result of the attacks or during rescue activities, and who are in need of financial assistance. For more information, call 888-441-CITI, 888-862-0136, 212-793-8451, or visit the Citigroup website.
  
  
• City University of New York World Trade Center Memorial Scholarship: CUNY has set up a scholarship fund for children and spouses of victims who were severely disabled or who died in the attacks. There are no U.S. citizenship or New York residency requirements for eligibility. For more information call 800-CUNY-YES or visit the City University website.
  
  
• September 11 Scholarship Alliance: Several organizations have joined together to form this scholarship fund, operated by the Citizens' Scholarship Foundation of America. For more information or to obtain an application, visit www.csfa.org or call (877) 862-0136.
  
  
• Families of Freedom Scholarship Fund: The fund provides post-secondary education to children and spouses of 9/11 victims, including firemen, policemen, refugee, and immigrant families. For more information call 877-862-0136 or visit the Families of Freedom website.
  
  
• Global Education Fund: This fund will provide scholarships to young people affected by the terrorist attacks, regardless of nationality, to any university anywhere in the world. For more information, call 410-951-2328 or visit the Global Education Fund website.
  
  
• Cadwalader, Wickersham & Taft: The law firm of Cadwalader, Wickersham & Taft has assembled a comprehensive list of assistance resources in which you will find even more scholarship funds. A copy of the Handbook of Public and Private Assistance Resources for the Victims and Families of the World Trade Center Attacks is available at their website.
  
  
• September 11 Scholarship Alliance
  http://www.scholarships911.org/
  An overview of available scholarship funds. The September 11 Scholarship Alliance was formed by leading scholarship providers and associated organizations to simplify the scholarship application process for postsecondary education for the families of those who died or were permanently disabled in the terrorist attacks. The website offers a one-time registration process and an overview of available scholarships that may be used to attend an accredited two- or four-year college, university, or vocational-technical school in the United States as well as in other countries. For additional information, please call (877) 862-0136.
  
  
• Scholarship America
  http://www.scholarshipamerica.org/
  Scholarship America is the nation's largest private sector scholarship and educational support organization. Through the Families of Freedom Fund, it provides postsecondary education assistance through the year 2030 to dependents of those killed or permanently disabled as a result of the September 11 attacks. Families of Freedom 2 is the second scholarship fund created by Scholarship America. It provides scholarships for postsecondary education for families in Lower Manhattan south of Houston Street who suffered loss of income as a result of the attacks on the World Trade Center on September 11, 2001. Educational assistance will also be offered to spouses and dependent children of these individuals. For more information, call (877) 862-0136 or visit the website.
  
  
• NASFAA 9/11 Scholarship Programs
  http://www.nasfaa.org/linklists/911scholarship.asp
  The National Association of Student Financial Aid Administrators provides a list of scholarship funds created for families of victims of the September 11 terrorist attacks. The website presents an overview of available funds, including organization scholarships, college-based scholarships, and summer programs.
  
  
• New York State World Trade Center Memorial Scholarships
  http://www.hesc.state.ny.us/bulletin.nsf/0/5821e2fdc67c6cdb85256db0006b02d6!OpenDocument
  The WTC Memorial Scholarship guarantees access to a college education for the families and financial dependents of innocent victims who died or were severely and permanently disabled as a result of the September 11 attacks. For more information on the scholarship, click on the link above or call (888) NYS-HESC.
  
  
• The Sallie Mae 911 Education Fund
  http://www.thesalliemaefund.org/projectaccess/scholarships/smf_911.html
  This fund provides scholarship dollars for postsecondary education to children of those who died or suffered debilitating injuries in the September 11 terrorist attacks. In addition, the fund provides grants to spouses of those killed or deemed permanently disabled so they can pay off their Sallie Mae loans. Visit the website to download guidelines and application forms.
  
  
• Silver Shield Foundation
  http://www.silvershieldfoundation.org
  This support resource for families of police officers and firefighters is offering academic scholarships to those who have lost a loved one in the line of duty. Call (800) 811-4692.
  
  
• Vantagepoint Public Employee Memorial Scholarship Fund
  http://www.icmarc.org/vantagescholar/
  This fund was established to assist children and/or spouses of deceased public employees who died in the line of duty, and who plan to continue education in college or vocational school programs.
  
  
• The United Kingdom 9/11 Scholarships Fund
  http://www2.britishcouncil.org/911scholarships.htm
  Established jointly by the British Council and the World Trade Center Disaster Fund, this fund provides awards for study in higher or further education in the United Kingdom to children or dependents of victims of the terrorist attacks on the United States on September 11, 2001. Scholarships are offered for full-time study leading to a degree (undergraduate or graduate), or the equivalent, at a recognized institution in the United Kingdom (England, Scotland, Wales, or Northern Ireland). There are no restrictions on age, nationality, or on residence in countries. Applicants must have lost a parent or guardian as a result of the terrorist attacks, be able to demonstrate need, hardship, or distress, and be in good academic standing. Visit the website for more information.
  
  
• 9/11 High School Scholarship Fund in Memory of Patrick Sean Murphy
  http://www.psm911fund.com/
  The Fund shall provide need-based high school scholarship awards to children adversely affected by the events of September 11, 2001. The Fund will award recipients substantial financial assistance, up to and including tuition, to attend a high school in New York, New Jersey, or Connecticut. Additionally, the Fund will provide mentors to each Fund recipient to guide the recipient in achieving his or her potential in high school. Please visit the Fund's website for more information, including selection criteria.
  
  
• September 11, 2001 Children's Fund, Inc.
  http://www.911childrensfund.org/
  The purpose of the Fund is to change the life of children who lost a parent(s) or legal guardian due to the September 11, 2001 terrorist acts, by funding their continued education. The Fund aims to mentor children through their primary and secondary schooling, as well as their collegiate and post-graduate studies. The Fund will support and encourage the use of internships, apprenticeships, work training and trade schools in order to achieve its mission. Visit the website above or call (845) 758-0911.
  
  
• The Jack Kent Cooke Foundation
  http://www.jackkentcookefoundation.org/jkcf_web/content.aspx?page=Sept
  The Jack Kent Cooke Foundation has established the September 11th Program, dedicating $1 million to provide educational assistance to dependents and spouses of people killed or permanently disabled in the attacks on the Pentagon and the World Trade Center, the crash of United Airlines Flight 93 in Pennsylvania, and the September and October 2001 anthrax attacks. Grants are available by semester for undergraduate study at any two-year, four-year, technical, or trade school in the United States. Eligible applicants must demonstrate unmet financial need. The September 11th Grant may cover any or all of the following educational expenses: tuition, required fees, books, room and board, and other educational costs. Visit the website, or call (800) 498-6478 for more information.
  
  
• United Negro College Fund Liberty Scholarship
  http://www.uncf.org/LibertyScholar/index.asp
  Liberty Scholarship is the commitment of the 39 UNCF members to provide full scholarship support for the children of victims who were killed or permanently disabled as a result of the September 11 tragedy. A grant from the Keck Foundation provides support to students attending UNCF institutions who were economically affected by the tragedy. For more information, please call (703) 205-3538.
  
  
• AMIR -- 11 September Memorial Scholarship
  http://www.aimr.org/research/products/about_september_scholarship.html
  The association for Investment Management and Research has established a scholarship program to assist children, spouses or domestic partners of those persons who died or were permanently disabled, or victims permanently disabled, as a direct result of the September 11 attacks and who plan to pursue education in college or vocational school programs now or in the future. Scholarships are offered each year for part-time or full-time study in finance, economic, accounting or business ethic majors at an accredited institution of the student's choice. For more information, visit the website or call (877) 862-0136.

*Resources taken from www.LowerManhattan.info

Camps

• Exploration Summer Programs
  http://www.explo.org
  Exploration Summer Programs is a recipient of a generous foundation grant that allows the organization to host young people who lost a parent or guardian in the September 11 attacks. Students choose from a host of engaging academic courses structured as hands-on, problem-solving experiences. They participate in a variety of activities, athletics, and trips throughout the Northeast. Attendance is fully funded with assistance available for travel costs. Dates for the program in Summer 2005 are as follows. First Session: June 26-July 16, 2005. Second Session: July 17-August 6, 2005. Catalogues and DVDs are available upon request for each of the programs: the Senior Program at Yale University for students entering grades 10-12, the Intermediate Program at Wellesley College for students entering grades 8-9, and the Junior Program at St. Mark’s School entering grades 4-7. Call (781) 762-7400 or visit the website for more information.

  Associated Documents:Letter from Exploration Summer Camp to 9/11 Families

• Comfort Zone Camp
  http://www.comfortzonecamp.org
  Comfort Zone Camp is still sponsoring its weekend camps in the NJ/NY area. They will be offering two camps there in 2005. The camp weekends are April 29-May 1, 2005 and October 28-30, 2005. The camps are for children ages 7-17. They are opening these camps this year to all children who have lost a parent, sibling, or primary caretaker. The campers will still be primarily 9/11 children, but they will be integrating all children into these camps. Transportation is available if needed, and offsite accommodations for an accompanying parent/guardian may be available upon request. Please note, Comfort Zone's Virginia-based camps continue to be open to any grieving child from around the country as well. If you visit its website, you can see the entire schedule for 2005. Call 866-488-5679 for more information.
  
  
• Camp Haze
  http://www.camphaze.org
  Camp Kennybrook in Monticello, NY, will again host the fourth Camp Haze from August 20-26, 2005, a one-week, all-expense paid summer experience for children who lost a loved one on September 11, 2001. The goal of Camp Haze is to provide these children with refuge from worry and grief, a network of peers, and a staff that understands their unique emotional needs. They expect to have openings for 85-90 children. If you have any questions, call (908) 665-9092 or (866) FOR HAZE (367-4293). Applications are available on their website.
  
  
• Better Days Camp
  http://thebetterdaysfoundation.org
  The Better Days Foundation was set up out of a great need for long-term support for those who lost a loved one in the attacks on September 11 and is run by people who lost family members, friends, and loved ones. Its mission is to provide victims’ families with support for many years to come though a variety of fun, healing programs. The Foundation sponsors a free one-week camp. This year, the camp will again be held at the Sports and Arts Center at Island Lake in Starrucca, PA, on August 17-24, 2005, and is for campers ages 6-17. For more detailed information on the camp, check out Camp Better Days Section of the Foundation’s website.
  
  
• America's Camp
  http://www.americascamp.org
  This week-long, sleep-away camp in Lenox, Massachusetts, is offered at no cost to eligible families. The campers have diverse backgrounds and interests, but share a common experience -- they have all lost a parent in the 9/11 attacks or in the line of duty as a New York City firefighter or law enforcement officer. A mature, enthusiastic staff is thoroughly trained to ensure a positive, supportive environment. Campers participate in a wide range of sports, crafts, water activities both at the pool and lake, and special events. The 2005 session will begin on Wednesday, August 17, 2005 and finish on Wednesday, August 24, 2005. For information about the camp and enrollment, families can call (800) 548-6295, send an e-mail to info@americascamp.org, or visit the camp website listed above.

  Associated Documents:Read the America's Camp Press Release

• Outward Bound
  http://www.outwardbound.com/
  Outward Bound is the national leader in experiential education in the United States. Students learn personal leadership, character, compassion, and a sense of social responsibility through the challenge and adventure of wilderness learning. Outward Bound provides free course scholarships to young people affected by 9/11. Outward Bound also provides 3-5 day courses in the New York City and Boston areas for youth ages 12-25. These programs are excellent for 12-13 year olds and for those students who would like to remain relatively close to home. Programs run year-round. Outward Bound representatives speak extensively with scholarship recipients to find the right course for each individual student. For registration and additional information, call (845) 424-4000 ext. 237 and ask to speak to the Scholarships for Community representative.

  Associated Documents: Outward Bound Informational Flyer

• Fresh Air Fund
  http://www.freshair.org
  The Fresh Air Fund, a not-for-profit agency, provides free summer vacations in the country to New York City children from disadvantaged communities. Call (800) 367-0003 for more information.