For many low-income students, a small amount of money—$300 or $600 or $900—can make the difference between dropping out and receiving the diploma. Rather, financial challenges for many students do not stop when they receive scholarships, loans or income from jobs. Financial distress can follow students throughout their college journey. A winter heating bill, a dead battery, the cost of a textbook or a family member in need of medicine can derail students—many of whom are in good academic standing. Given this, how do we rethink financial aid to improve completion, not just access?