Financial Aid Archives - EducationConnection

How to Spend Your Student Loan Money

Posted on June 7, 2024January 20, 2025 by Melanie Datu

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What can you use student loans for? It’s that time of the year when students start to receive their financial aid refunds. This typically occurs when students have either secured enough money through grants and scholarships to cover their tuition and fees, or they have borrowed more student loan money than they actually needed.

What Can You Use Student Loans for?

If you fall into the second category, don’t rush out and spend that money just yet. Unlike the money you may have received from a scholarship or grant, your student loan money will eventually need to be paid back. I know it can be tempting to splurge a little, especially if you have been strapped for cash the last few weeks, but trust me when I say you’ll regret it after graduation.

Why? Student loans carry substantial principal and interest payments which can come back to haunt you later if you’re not careful and don’t budget accordingly. If you find you have a little extra money coming back to you this semester, here are few do’s and don’ts to consider when deciding how to spend your student loan money.

Do use your money to…

Purchase food for your dorm or apartment.
Pay housing or rental fees and room and board.
Cover your books and supplies for the semester.
Pay for transportation or vehicle maintenance.
Cover your utilities and other necessary living expenses.
Pay tuition and fees for the summer semester.

Don’t use it to pay for…

A weekend getaway to Las Vegas.
Drinks for everyone at the club.
The new spring collection at Forever 21.
Pizza for the entire dormitory.
Black lighting and a disco ball in your dorm room.
Concert tickets to your favorite bands.
Spring Break in Cancun.

It’s never a wise idea to use your student loan money to cover items that aren’t necessary for your education or daily living expenses. Why pay for a gym membership when you can use the campus facilities for free? There’s no need to purchase cable or satellite television, or splurge on the newest MacBook Pro, when there are more practical alternatives. Set a budget for yourself and stick to it.

Any additional funds you may have can be saved for future semesters, or you can start making payments on your current loans. You can even have the financial office reduce your federal or private loan if you know you won’t need the entire amount.

Some expenses may seem trivial, but they do add up. For instance, if you spend $40 a week on fast food, over the course of four years that could add up to around $2,000. With a student loan interest rate of 6.8%, you’ll end up paying an additional $750 over the term of your loan (based on a 10-year repayment term).

If you extend your payments at any time, you’ll be paying even more. Be smart and follow these two simple guidelines: borrow only what you absolutely need, and restrict your spending to “needs” and not “wants.” If you don’t, you could be graduating with a lot more than just your college degree.

Being a Student Loan Cosigner Can Be Risky

Posted on June 3, 2024December 17, 2024 by Melanie Datu

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Last night, my daughter ran into my room brimming with excitement about a theatre school in New York City that she absolutely must attend next year. Being the proud ‘drama mama’ that I am, I didn’t simply shoot her down. Instead, we paid a visit to the school’s website. Everything looked amazing, but there didn’t seem to be any mention of tuition or fees.

Intrigued, I searched for the ever-elusive Net Price Calculator that schools are expected to post on their websites.

Surely this would tell me what my daughter’s dream school was going to cost me, right? I punched in our income figures, answered a few general questions, and up popped a number that made me suddenly sick to my stomach.

Even after scoring a potential $4,000 scholarship, and taking out the maximum in student loans ($5,500), our responsibility would be a whopping $35,000 per year. Ouch! The number, however, didn’t seem to deter my daughter. She simply turned to me and said, ‘You can cosign on a private student loan with me, right?’

Technically, the answer is yes. My husband and I both have good credit, but should we help finance this expensive dream? Before co-signing on any student loan, whether for your child or a friend, here are some things you should consider, the risks of being a student loan cosigner.

1. History May Repeat Itself

If the person requesting your help to cosign a private student loan has a history of not following through on promises, doesn’t have a history of making good financial decisions, or can’t seem to save any money, you may want to reconsider signing your name to a student loan agreement. Remember, you are equally responsible for paying back the loan. If the borrower fails to make his/her payments on time, you can be sure the lender will come looking for you.

2. Your Credit Could Be Damaged as a Student Loan Cosigner

You may have great credit right now, but taking out a large student loan could make it more difficult for you to take out other loans or credit cards. If you think you may want to make a major purchase, such as a car or a new home, you may not want to co-sign at this time.

Additionally, you must be prepared to have your credit score lowered should the other person fail to make payments on time. It only takes one missed payment to negatively affect your credit score.

3. The Loan Obligation Goes Beyond the Amount Financed

The amount borrowed is not the amount the borrower will end up paying over the life of the loan. Deferment, forbearance and interest can add a hefty amount to the total cost of the loan.

If you become responsible for repaying the loan, you need to consider that your obligation will include the amount borrowed, accrued interest and any other fees incurred during the course of repayment.

4. The Debt Could Hurt Your Relationship

It’s not uncommon for students to default on their loans. If you decide to co-sign on a student loan, you must be prepared to assume that debt if the borrower fails to make their payments.

If you are financially unable to make the payments, it can have serious repercussions. Not only will your credit suffer, but also your relationship with the other person on the loan. I have seen money pull families apart all too often, so think long and hard before you take out any loans you can’t afford to repay.

5. It’s Very Difficult to Remove Yourself From the Loan

Don’t co-sign a student loan with the expectation that you can simply remove your name at a later date. Although most lenders offer a co-signer release, there are some hoops the borrower must jump through first. One, depending on the lender, he/she must make consecutive, on-time payments. This can be as few as 12 months (Sallie Mae) or as many as 48 (SunTrust). In addition, the borrower must provide proof that he/she meets income requirements and has a satisfactory credit score.

There is no guarantee that even after payments are made on a timely basis that the lender will let you out of your commitment. There are even some cases where a borrower has died and the co-signer was still required to pay back the loan. And forget about bankruptcy; it’s nearly impossible to have student loans discharged. If you sign on the dotted line, expect to share the responsibility for that debt until it is paid in full.

Risks of Being a Student Loan Cosigner

Consider These Tips to Safeguard Your Credit

If you feel confident that your child (or other borrower) is responsible and you want to help by co-signing on a student loan, be sure to consider the following safeguards.

Make sure the student exhausts all federal financial aid options including federal student loans before considering a private student loan.
Encourage the student to diligently pursue scholarships and grant opportunities.
Only borrow what is absolutely needed. Play it safe by not taking out more than one years’ anticipated salary (borrower’s) upon graduation. For example, if you expect your child to earn $35,000 at his/her position, don’t borrow more than $35,000 in total student loans while he/she is in college.
Have the borrower sign an agreement that stipulates he/she will repay any missed payments and/or fees you cover over the life of the loan. This way, if you do end up in court, you may be able to recoup some or all of your losses.
Take charge of the student loan payments. It could be months before a student loan servicer or creditor contacts you about missed payments. By then, the damage to your credit score has already been done. Save yourself the trouble by mailing in the payments or submitting them electronically online. In some cases, lenders offer an incentive for using automatic payments.

Although I would love to help my daughter pay for her dream college, taking on a potential debt of $140,000 just doesn’t make financial sense. If she were to default on the loan, we could lose our retirement savings, home and other assets. She may be a little upset with me right now, but I’m confident that we can find another ‘dream’ school that’s a little more within our family’s budget.

Saying no to your child (or a friend) is never easy, but in the end you must do what’s best for your financial security.

Where Do You Go if You Have a Student Loan Problem?

Posted on May 20, 2024January 17, 2025 by Melanie Datu

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Earlier this month, the Consumer Financial Protection Bureau (CFPB) released a report detailing the types of complaints it has received over the last three years. This not only included information about credit card and mortgage complaints, but also issues with private student loans.

Resolve a Student Loan Problem

The majority of the complaints the CFPB received regarding private student loans involved problems with consumers repaying their debt. Nearly 46 percent of consumers cited issues with billing, fees or restructuring their loans, and another 22 percent had problems when they were unable to pay on time.

Since these are common complaints among student loan borrowers, I thought it might be a good time to address a question I often get on social media: “Where do you go if you have problems with your student loans?”

Start With Your Student Loan Lender/Servicer

For issues regarding payments or balances due, be sure to gather any and all supporting documentation you may have on file. This will include notes you have taken during phone calls, correspondence received through postal mail or email, and all payment receipts.

Copies of your bank statements or cancelled checks may also serve to help verify payments. In many cases, you can log into your student loan account and pull a payment history, as well. Carefully review your paperwork to ensure your complaint is valid. If you find there is still a discrepancy, contact your student loan lender or servicer and file a formal complaint. Be calm and polite, and provide copies of all materials to support your claim.

You should also contact your lender or servicer if you are having difficulty making your payments on time. Ask about other repayment options, such as forbearance or deferment. If you have a federal student loan, you may also be eligible for one of several different repayment plans that can significantly lower your current monthly payments.

Most lenders will require proof of your income, so be prepared to provide copies of your recent tax forms and pay stubs to document any recent changes.

Regardless of the type of complaint, it’s very important that you document your process from the start. Whenever you speak with someone, take down his/her name, the date and time of the conversation, and keep notes about what was discussed. Always follow up in writing (paper or email); a paper trail is essential.

Request a copy of your customer service history, too. These steps will help you in the event your issue is not resolved.

Seek Additional Help

If you have provided suitable documentation to support your complaint, but your lender/servicer is still unwilling to help or the issue has not been resolved to your satisfaction, you may still have other resources at your disposal. Depending on whether you have a federal student loan or a private student loan, the next step will vary.

For federal student loans, you’ll want to review the Self-Resolution Checklist to ensure you have taken all the necessary steps to resolve the issue yourself. If you still need help, your next step would be to contact the Federal Student Aid Ombudsman Group. Before reaching out to them, complete the Information Checklist, as it lists many of the questions that will be covered during your initial consultation.

You can contact the Ombudsman Group by postal mail, phone, fax or you can file a confidential complaint through the online Ombudsman Assistance Request Form. Once the department receives your form, it will collect information about your case and offer assistance in identifying a suitable resolution.

If, however, you have a private student loan dispute, you should contact the Consumer Financial Protection Bureau (CFPB). Whether your student loan is issued by a bank, credit union or school, the CFPB can assist with finding a resolution for just about any student loan complaint. The process is fairly simple, too.

You can register your complaint online and attach any supporting documentation. Once your complaint has been received, the CFPB will forward it to your lender. The lender will have 15 days to respond and, in most cases, no longer than 60 days to provide a resolution. The CFPB has a very good track record for getting results, with 97 percent of lenders responding to complaints in a timely fashion. Over the last three years, more than 11,400 borrowers have filed a complaint, and 73 percent were satisfied with the resolution provided.

Even More Help Available

If you did not take the initiative to find a resolution for your student loan problems before you started missing payments, you may find that your are now faced with default. Although there is little recourse for private student loan default, you can still get help with federal student loan debt resolution through the Federal Student Aid’s MYEDDEBT.

Through this portal, you can get information on how much you owe on your defaulted federal student loans, your payment history, and options for resolving your debt. You can also access forms to request a hearing, review, or discharge of your debt, as well as forms to submit a complaint. Ignoring your debt won’t make it go away, so do yourself a favor and seek help as soon as possible.

Have You Considered Peer-to-Peer Lending for Student Loans?

Posted on May 10, 2024December 17, 2024 by Melanie Datu

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With a competitive job market, many people are wondering whether it is the perfect time to attend college. These students are unsure about present and future job prospects along with rising student debt. Also, you may not presently have a job. So you are unsure if you may be eligible for student loans without a job? Learn more about how to receive a student loan without a job.

Where would you turn if you had exhausted your federal financial aid and still did not have enough funding through scholarships and grants to help cover your college expenses? Private students loans, right? For most students that would be the logical next step, but it’s certainly not your only option. Another option could be peer to peer lending for student loans.

Over the last few years, peer-to-peer lending (also known as social lending) has increased in popularity. Why? It’s simple.

Peer-to-peer loans typically offer lower interest rates and they often approve loans to those who may not qualify for traditional private student loans. There are basically two formats you can choose from: (1) family (friends and family) loans and (2) stranger-to-stranger loans. Both have their advantages and disadvantages.

Advantages of Peer-to-Peer Student Loans

As mentioned previously, both types of peer-to-peer lending formats may give you access to loans with lower interest rates. You may also qualify even if your credit score is less than perfect. The application for p2p loans is much easier to complete and you should receive approval (or denial) in a very short period of time.

There are also no prepayment penalties and you may have the option to enroll in an unemployment protection plan. Most peer-to-peer lenders also give you a discount if you choose to have your payments automatically withdrawn from your bank account. The biggest advantage, though, is the ability to obtain a loan without a cosigner in most cases.

Disadvantages of Peer-to-Peer Student Loans

Although peer-to-peer lending has many advantages, there are a few things to consider before you take out a loan. Unlike federal student loans, you generally won’t be eligible for forbearance, income-based repayments, or any loan forgiveness plans if you accept a peer-to-peer loan or similar social lending funding.

You may also have fewer years to pay back your debt. If you choose a family loan, you may also be ineligible to claim the student loan interest deduction on your federal taxes because it is unlikely to meet the definition of a “qualified education loan” per the Internal Revenue Service (IRS). Another key drawback is that you may or may not receive the entire amount requested and it can take some time for your request to be funded.

Where to Find Peer-to-Peer Lenders

In general, most peer-to-peer lending sites, such as Prosper and Lending Club, offer personal loans for weddings, home improvements, credit card debt consolidation, and more. There are only a few, however, that specifically offer student loans at this time.

Both SoFi and CommonBond offer student loans and refinancing, but it is important to note that they only provide student loans for graduate-level degrees at specific colleges and universities. GreenNote, which used to offer a more conventional type of student loan product, has switched to a crowdfunding platform where friends, family, and strangers may contribute to your college expenses.

We expect, however, that more players will enter the arena soon. As college tuition rates continue to rise, and more families find it difficult to cover the costs of an education, more creative ways to pay for college will be needed and welcomed to help students avoid the risk of default.

Parents Who Have Been Denied a PLUS Loan Still Have Options

Posted on May 7, 2024January 7, 2025 by Melanie Datu

The PLUS Loan for Parents is a federal education loan program many families utilize to pay for tuition, room and board not covered by financial aid or other loans, such as Direct Student Loans, provided to the student. In the PLUS Loan for Parents program, the borrower is a parent. However, your application for a parent plus loan denied

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A parent can borrow up to a student’s Cost of Attendance minus other financial aid including other student loans. However, credit is a factor in determining eligibility for PLUS. As such, not everyone will be approved. While the credit criteria used to determine approval for PLUS are not as stringent as they are for other consumer loans, a parent borrower still needs to meet a few credit-based conditions in order to receive financing.

If those conditions aren’t met, a PLUS loan denial will be the result. Don’t give up hope, there are still a few options left open. We’ll go over each, but let’s start by looking at why you may be denied PLUS loan in the first place.

Denied for Parent Plus Loan

In general, you may be denied if you have adverse credit consisting of any of the following:

Bankruptcy discharge within the past five years
Voluntary surrender of personal property to avoid repossession within the last five years
Collateral repossession within the past five years
Foreclosure proceedings started
Foreclosure within the last five years
Conveying your real property that is subject to a mortgage (by deed) to your lender to avoid foreclosure (deed in lieu of foreclosure)
Accounts currently 90 days or more delinquent
Unpaid collection accounts
Charge-offs/write-offs of federal student loans
Wage garnishment within the last five years
Defaulting on a loan, even if the claim has been paid
Lease or contract terminated by default
County/state/federal tax lien within the past five years

In order to determine if one of those conditions applies, a credit check will be performed. If denied, you will receive an adverse action letter with an explanation for the particular reason(s) for the denial.

If you have been denied a PLUS loan, you still have a couple of options you can pursue to pay for your child’s education.

Get a cosigner. If you are denied PLUS, you can have someone other than the student endorse (cosign) your loan. An endorser becomes financially obligated to repay the loan if you cannot. Most parents turn to another family member to act as an endorser, but you are not limited to having a family member serve in this role.
File an appeal. If you have extenuating circumstances that led to adverse credit and you can document it, you can request reconsideration. Approval upon reconsideration is at the sole discretion of the U.S. Department of Education.
Ask for additional unsub. If you cannot get someone to endorse your loan or do not have extenuating circumstances, the student may be able to borrow additional funds through the Direct Unsubsidized Student Loan program. The student will need to contact the financial aid office at their school to determine the correct steps to take to make this request. Freshmen and Sophomores may borrow up to an additional $4,000. Juniors and Seniors may borrow up to $5,000. The school will determine the amount based on how much room is left in the student’s budget (COA minus other aid including loans).
Consider borrowing against other assets. If you were using PLUS as a way to avoid dipping into retirement funds or home equity, those may also be options you could pursue. However, we strongly encourage you to seek the guidance of a professional should you move forward with this option.
Seek light elsewhere. If all else fails, consider a less expensive alternative or, in the worst case, defer enrollment for a year and work on a budget and plan that includes working and saving toward paying tuition or resolving credit issues.

Get a cosigner. If you are denied PLUS, you can have someone other than the student endorse (cosign) your loan. An endorser becomes financially obligated to repay the loan if you cannot. Most parents turn to another family member to act as an endorser, but you are not limited to having a family member serve in this role.
File an appeal. If you have extenuating circumstances that led to adverse credit and you can document it, you can request reconsideration. Approval upon reconsideration is at the sole discretion of the U.S. Department of Education.
Ask for additional unsub. If you cannot get someone to endorse your loan or do not have extenuating circumstances, the student may be able to borrow additional funds through the Direct Unsubsidized Student Loan program. The student will need to contact the financial aid office at their school to determine the correct steps to take to make this request. Freshmen and Sophomores may borrow up to an additional $4,000. Juniors and Seniors may borrow up to $5,000. The school will determine the amount based on how much room is left in the student’s budget (COA minus other aid including loans).
Consider borrowing against other assets. If you were using PLUS as a way to avoid dipping into retirement funds or home equity, those may also be options you could pursue. However, we strongly encourage you to seek the guidance of a professional should you move forward with this option.
Seek light elsewhere. If all else fails, consider a less expensive alternative or, in the worst case, defer enrollment for a year and work on a budget and plan that includes working and saving toward paying tuition or resolving credit issues.

Whenever you borrow, remember to borrow only what you truly need. Education loans, in most cases, cannot be discharged in bankruptcy and there are expensive consequences for failing to repay.

Financial Aid for High School Students & Finding College Money for High Schoolers

Posted on April 30, 2024December 17, 2024 by Melanie Datu

The financial aid process is a little bit different for each student, but there are a few things that hold true for just about everyone, including high school students. Even though you’re still in high school doesn’t mean you shouldn’t start thinking about how you’ll pay for college.

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Tips for Finding Financial Aid for High School Students

There’s a ton of information about financial aid on this page, and yes, we know it looks intimidating, especially if you’re still in high school. Before you — students and parents alike — get too far into the guide, check out the flowchart that walks you step-by-step through every possible option you can pursue for financial aid.

Interact with the flowchart and answer the basic questions it asks to help you explore how you should tackle your financial aid game plan — and in what order.

Taking this first step should save you a ton of time and (and hopefully money) as you work through the process. Once you know where you stand, you can come back and research the funding options the most sense for you and your situation.

The Basics

Filing the Free Application for Federal Student Aid (FAFSA) is essential. There are many variables that go into determining eligibility, and there’s no way to know if you are eligible for assistance if you don’t apply.

So, even if you don’t think you’ll qualify for federal financial aid, file the FAFSA.

Here’s why:

The FAFSA is used by agencies and funding sources other than the federal government to determine your eligibility for scholarships, grants, loans and other financial aid programs.
The FAFSA is used as your application for federal student loans. Because of this, completing the FAFSA gives you two big advantages: you may be eligible for non-federal aid, and even if you don’t want a loan now, the paperwork is already done in case you change your mind.

Filing the FAFSA

The quickest way to file the Free Application for Federal Student Aid (FAFSA) is online at: FAFSA on the Web. Complete the FAFSA as soon as possible after January 1st of the year in which you will need funding.

It will be easier to fill out the FAFSA if you have these items handy:

Your Social Security card and driver’s license
Your W-2 Forms or other records of earned-income (and your spouse’s, if you are married) federal income tax return.
Your parent’s federal income tax return (unless you are filing as independent)
Records of other untaxed income you received, including welfare benefits, social security benefits, TANF, veteran’s benefits, and military or clergy allowances
Your current bank statements and records of stocks, bonds, and other investments
Your business or farm records, if applicable
Your alien registration card (if you are not a U.S. citizen)

Tip: If you or your parents have not completed federal income tax returns yet, use estimates from pay stubs and bank statements.

If you or your parents’ income has not changed significantly, you have a choice. You can use the amount of tax you paid last year or you can estimate. Here’s an easy way to estimate the amount of tax you owe:

Take the line item from your federal income tax return titled “This is your total tax.”
Divide it by your adjusted gross income.
Multiple this number by your estimate of this year’s adjusted gross income to obtain an estimate of the amount of you tax owe.

Other Applications You May Need to File

CSS Profile

Incoming freshman may also need to complete the CSS Profile Application. Some private colleges require the profile because it gives financial aid administrators more information to determine your eligibility for need-based assistance and funding directly from the school. In other cases, they may need the profile to offer admission to very competitive programs for early admission where the admissions process is not need blind.

The Profile must be completed earlier than the FAFSA – usually in the middle of October of the year prior to the year you’ll need funding. Check with your college to see if you are required to complete the CSS Profile. You can register and apply online at: CSS Profile

Institutional Aid Applications

Some schools require you complete a form they provide you. This is called an institutional aid application. On this form you may be asked to tell the school about outside scholarships you expect to receive and whether you’re interested in other types of aid such as work study.

Often you can also use this form to explain any special circumstances not taken into account on the FAFSA (e.g. an unexpected recent loss of income, extraordinary medical expenses, etc.). If your school requires one of these applications, they will mail it to you.

Financial Aid Eligibility

Financial Need is a term used to describe how much need-based financial aid you’re eligible to receive. Your financial need is calculated by subtracting your school’s Cost of Attendance (COA) from your Expected Family Contribution (EFC). In order for you to receive need-based aid, your COA must be greater than your EFC.

Let’s take a look at how Financial Need is calculated.

COA – EFC = Financial Need

Schools use the processed data from the FAFSA and/or the CSS Profile to determine your financial aid eligibility. Whether you complete the FAFSA and, if required, the Profile, the basis for determining your award is a number referred to as the Expected Family Contribution (EFC).

The EFC is a measure of your family’s ability to pay for college based on student and parent income and asset information, your state of residence, household size, and number of household members in college. Some factors that go into determining your EFC include demographic, financial, and household data, among other things.

The next step in calculating your financial need is figuring out what the Cost of Attendance (COA) will be for the school you will attend. The school you attend establishes a COA for the academic period for which you will be enrolled. The COA includes tuition, room and board, fees and estimated living expenses. Variable costs like books and personal expenses are also included.

The Financial Aid Award Letter

The financial aid office at your school will use the need-based resources they have available to try to meet your Financial Need. They will use other funding sources that aren’t based on need such as the Unsubsidized Direct Student Loan to help cover the entire COA.

Of course, they won’t always be able to meet a student’s full financing need or cost of attendance.

Follow-up Forms

Sometimes, even after a college has received your FAFSA data, additional information may still be required to complete your package/award. This process is called “verification”. If you are selected for verification, the school will ask that you fill out a Verification Worksheet.

In addition, they request physical copies of documents such as federal income tax returns, W-2′s and any other income statements (e.g. 1099′s) they may require.

Warning: the college will not process your financial aid, without this additional documentation.

If you plan on accepting a Stafford loan or Direct PLUS loans, you will also need to complete promissory notes. The college you attend will provide you with specific information on how to complete this part of the process.

If it’s your first time borrowing a federal loan, you’ll also need to complete an “entrance interview,” which is simply a session done online or in-person that informs you of your rights and responsibilities as a student loan borrower.

Read everything the college sends you carefully and respond to requests promptly. If you have questions or don’t understand something, call the financial aid office and ask! They’ll be more than happy to provide a helping hand.

Types of Financial Aid

If you aren’t familiar with the different types of financial aid that undergraduate students can pursue, we encourage you to do your homework and educate yourself using the links below. Financial aid comes from a variety of sources, so be sure to review each financial aid type in greater detail as you put together your plan.

Federal Student Aid
State Aid
Institutional Assistance (money supplied by the school you attend)
Scholarships
Grants
Corporate/Employer Benefits/Programs
Federal Student Loans
Work Study
Military and veterans benefits

Job Loss and Financial Aid

Posted on April 26, 2024December 10, 2024 by Melanie Datu

Whether voluntary or involuntary, the loss of one’s employment when a child is attending college can leave a parent distraught. Questions like “how will I come up with tuition?” and “will my child have to leave school?” are very common and real. There’s no doubt that the loss of a job has incredibly serious consequences for families–especially those with one or more students currently enrolled in college. Find out how you can receive financial aid from the FAFSA and unemployment status. Financial aid may be available to those who qualify.

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Financial Aid Job Loss or Income Reduction

As with many such issues, the best way to approach the problem is pragmatically. And when it comes to financial aid, there is actually a prescribed approach that you should take to help get your financial aid squared away as soon as possible. Let’s take a look at the next steps you’ll need to take so you can rest easy and get back to your number one priority–finding a new job.

Dealing with FAFSA and Unemployment When You’ve Lost Your Job

Before we get started, don’t panic. You are not the first family to have this crisis while one or more students are attending college. In fact, the financial aid office will see this situation many times each academic year.
Gather documentation regarding your job loss. This may include a separation notice or even COBRA eligibility paperwork provided by HR. You will also want to have a copy of your final paycheck.
Ask for reconsideration of your student’s financial aid. Write a detailed letter to the financial aid office explaining your circumstances and provide the documentation from step 2 above. Your letter should both explain the nature and extent of your unemployment as well as a projection of your family’s gross income for the remainder of the year in question.
Call the financial aid office and ask if they have a form you need to complete to address special circumstances such as a loss of employment. Have the office email the form or download it from the school’s financial aid website, if that is an option. Carefully and thoroughly complete the form.
Send the school’s appeal form, as well as your letter and documentation, to the financial aid office. It never hurts to send via UPS, FedEx or certified mail so you know when your letter has arrived. Keep the receipt date handy because you’ll want to follow up a few days after to inquire about the status of your request.

Financial Aid School Review Process

Now what? Each school has its own review process when it comes to making adjustments to your financial aid package, particularly if unemployment will alter FAFSA. Generally, they will use your adjusted income for the current academic year and update your FAFSA information to see if you may be eligible for additional federal student aid. If you attend a private school, they will also determine whether or not they are able to offer additional assistance from the school.

It’s important to remember that even though you have lost income, your financial aid package may not change. For example, if you did not receive need-based assistance prior to your job loss, it’s possible that the income you earned up until your loss of employment, combined with other assets and factors, may still leave you ineligible for such assistance.

Making these adjustments falls under the financial aid office’s ability to exercise professional judgment. It is fully and wholly their decision as to how they factor your job loss into their calculation of financial aid.

Whether you receive an adjusted award or not, you will still be anxious to find your next employment opportunity and to determine how you will afford any upcoming educational expenses. Many families turn to federal student loans, including the federal PLUS Loan for Parents.

One of the advantages of the PLUS Loan is that you can defer making payments until after your student graduates college or drops below half-time status. Some families also consider private student loans. Assuming you have good credit, cosigning a private student loan leaves the student as the primary borrower. Due to historically low interest rates at the time of this writing, private student loans can actually be less expensive than the PLUS. Even if you are denied PLUS, you still have options.

While we know borrowing is never the preferred option for paying for school, it does buy time and that is a very important consideration when your family is struggling to make ends meet after a loss of income.

What Can the Student Do to Help? Scholarships and Work-Study!

Finally, it’s important to have an open and honest discussion with your student. Let him/her know that he/she may need to pitch in financially. That may mean pursuing part-time employment or work-study opportunities (if eligible). Even a small amount of extra income from your student can help offset his/her day-to-day expenses.

It’s also important for him/her to continue to look and apply for outside scholarships. Stress how critical it is for your student to give these applications his/her full attention and encourage him/her to carefully review prior to submission. Even if your student may not be eligible for need-based awards, there are thousands of other programs that may reward him/her for academic achievement, talent, athletic skill, and a variety of other reasons.

What to Look For in a Student Loan Cosigner

Posted on April 23, 2024January 8, 2025 by Melanie Datu

If you’re thinking about taking out a private student loan for college, chances are you’ll need a cosigner to get one. Very few students meet the qualifications for securing a loan on their own, so getting your student loans with cosigner may be a necessity. In fact, “more than 90 percent of private student loans for undergraduate students…require a creditworthy cosigner” according to Mark Kantrowitz of Cappex. There are several student loan cosigner requirements to look into.

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A good student loan cosigner cannot only help you secure a student loan, but also obtain a more favorable interest rate. It’s important, however, to understand the risks a cosigner assumes when he or she agrees to help you obtain a loan. He or she will be equally responsible for paying off the debt, even if you don’t finish college.

Should you fail to make payments, your cosigner will be required to not only cover the past due amount, but also any interest fees and other charges that have been assessed. You should only turn to private students loans with a cosigner once you have exhausted all other possible funding sources, such as federal student loans and scholarships. If you do need to pursue a private student loan, you should know who can cosign a student loan and also be aware of the student loan cosigner requirements before asking someone to set up as your cosigner.

What are the Student Loan Cosigner Requirements?

Cosigners for student loans typically need a good credit score, stable income, be in good health and be willing to help you if you are unable to meet your loan payments.

1. Credit History of Cosigner

After the financial and credit crisis of 2008, it became more difficult to qualify for unsecured consumer credit. In the case of private student loans, most borrowers will need a cosigner who has a favorable credit history and a reliable source of income. Your cosigner should have a low debt to income (DTI) ratio, as well as a history of making payments on time.

There are frequently student loan cosigner minimum credit score requirements. Lenders are more likely to approve your loan if your cosigner’s credit score is 720 or higher. If your cosigner has a credit score between 680 and 720, he or she may still be able to help you secure a loan, but the interest rate will probably be higher.

2. Stability

Along with a good credit history, lenders will also look at the stability of your cosigner. This includes job history, as well as the length of time your cosigner has lived in his or her home.

You’ll want to choose someone who has worked for the same company for at least a year, if not longer, and has verifiable income. The longer he or she has lived in the area, and maintained a steady income, the better your chances are of securing a private student loan.

3. Good Health

Believe it or not, the age and health of your cosigner does matter. Maybe not so much to the lender, but it should be something you take into consideration. If you choose a cosigner who is in poor health, or over the age of 65, you may be in for an unpleasant surprise later on.

Why? Some lenders include a clause in your student loan agreement that allows them to demand your loan be paid in full upon the death of your cosigner. Or worse, the lender could place your loan in default, even though you have made all your payments on time.

This can happen automatically, without any notice, and effectively ruin your credit.

4. Relationship to Student Loan Cosigner

You may think that your parents are the only ones who can cosign a loan for you, but that is not the case. Other relatives, including siblings and cousins, as well as a friend or a spouse, may act as your cosigner. Basically, anyone with a good credit history and the willingness to help you could act as your cosigner.

Just remember that this is a binding contract. If you fail to make your payments or default, you run the risk of not only ruining your credit and your cosigner’s, but also destroying your relationship.

It might be a good idea to draft a contract prior to asking someone to act as your cosigner. You could include specific details about how you plan to repay the debt, such as setting up automatic payments, as well as a clause that states you will reimburse any missed payments and/or fees covered over the life of the loan.

It’s not required, but it may give your cosigner some peace of mind. Finally, don’t forget to thank your cosigner for helping you out. It’s a serious commitment to make and one that should not be taken lightly.

Do I Borrow Student Loans for One Year or For All Years

Posted on April 19, 2024January 21, 2025 by Melanie Datu

First things first–let’s get the answer to the question out of the way. A student may only borrow up to the cost of attendance determined by the school minus financial aid including other student loans. The amount a student is eligible to borrow is the remainder of that equation and it can only be determined one academic year at a time.

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It might seem convenient or even cost-effective due to current low interest rates to finance an entire education up front. However, the student would still be accruing or paying interest on the full amount borrowed while in school.

As you can imagine, the interest charges on $40,000 are much higher than on $10,000. Let’s take a quick look at how eligibility is determined to see how the borrowing process works.

How Much Can You Borrow?

Borrowing a student loan for multiple years is not possible because eligibility can’t be calculated in advance. Things like the school’s cost of attendance will change from year to year as will the financial aid your student is offered.

Plus, the amount a student may borrow under the Direct Student Loan program increases from $5,500 for freshmen, to $6,500 for sophomores, to $7,500 for juniors and seniors.

The school will not only determine your student’s cost of attendance each year, but they will also certify the amount the student is eligible to borrow when the lender of the private student loan requests it. The lender is required to ask the school for this certification for each academic year (or partial year) in which financing is requested.

It is the school’s job to ensure the student does not borrow more than eligibility allows.

Even if a student could take out one private student loan for all 4 years of college, it wouldn’t make financial sense to borrow more funds than would actually be utilized. If a borrower defers all payments, interest will still be added to the original amount borrowed.

Even if a student makes interest-only payments while enrolled, the he would still be paying interest on the full amount borrowed.

Student loans do not work like a line of credit that you draw down as needed or like a credit card where you are only charged interest on the part of your credit limit that you access. Assuming a loan with a 6% interest rate, the monthly payment of interest only on $40,000 would be $200 versus $50 on a $10,000 loan.

Another thing to consider is whether the student will make it all the way to graduation. According to NCES, only 64% of first-time, full-time undergraduates seeking a bachelor’s degree at a 4-year degree granting institution in the fall of 2014 had graduated by 2020.

One final note, it’s very important for students to borrow only what they really need for any given academic year. The school’s cost of attendance for each year includes not only the actual costs a student will be billed, but estimates of other expenses like books and room and board.

Take a careful look at both eligibility (how much you can borrow) and actual needs before borrowing a private student loan.

Be certain to pursue all other options for paying for college before borrowing at all. Regularly searching and applying for scholarships, saving money earned at work, and buying used books whenever possible are all good places to start.

Federal Direct Unsubsidized Loans

Posted on April 8, 2024January 8, 2025 by Melanie Datu

What is an Unsubsidized Student Loan?

An unsubsidized loan is a type of federal student loan for college or career school. The unsubsidized student loan means once loan funds are in a borrower’s account, the interest starts accruing while you’re in school and after you leave. Borrowers are responsible for the whole amount from day one through the life of the loan. This includes when you’re in school and during grace periods.

As far as repayment options go, a borrower may choose to pay the interest charged each month. You may also allow it to add onto the outstanding principal amount in which case it adds to the total cost of the loan. A recent Sallie Mae study found that 3 in 10 students use loans from the federal government to pay for college.

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What are the differences between subsidized and unsubsidized student loans?

Subsidized vs unsubsidized student loans differ in who they are for, how to qualify and the interest payments.

Who they are for: Unlike Subsidized Direct Student Loans, unsubsidized loans (also federal loans) do not require a borrower to have financial need to qualify. Financial aid may be available to those who qualify. However, only undergraduate students with financial need may be eligible for a Direct Subsidized Loan.

How to qualify: Unsubsidized loans are typically available to graduate and professional students too. Because they do not use financial need as a criteria, they have different terms regarding interest.

Different terms regarding interest. A Federal Direct Subsidized Loan is also called subsidized Stafford Loans. The U.S. Department of Education may pay the interest for you for the following periods:

while you’re in school (at least half time)
for the first six month grace period after you leave school
during a period of deferment

This effectively could waive the need to pay back the interest during those time periods. Once you start your repayment plan the government may stop paying that interest. As a result, you must repay the original loan amount plus interest which begins to accrue from that moment.

Should I pay off unsubsidized or subsidized loans first?

Your priority should be to pay the direct unsubsidized loans first because the interest accrues over time. For instance, let’s say you don’t pay the interest while you are in school. Then, each new month of interest starts to add to the loan balance. As the balance grows, the amount you pay interest on also goes higher. If you are a recipient of an unsubsidized loan, you may want to contact your loan servicer to set up a payment plan. Making these smaller installments is a way to keep the interest from adding to the principal balance of the loan.

How Do You Apply for Unsubsidized Student Loans?

To apply for an unsubsidized student loan, you may need to fill out a Free Application for Federal Student Aid. Once it’s submitted, schools use the information from the FAFSA to make any financial aid package that they send you. To be eligible to fill out the FAFSA, you must be a U.S. citizen or eligible non citizen with a valid Social Security number. You also must meet other requirements:

Registered with the Selective Service if you’re a male student
Be enrolled or accepted for enrollment as a regular student in an eligible degree or certificate program
For Direct Loan Program funds, be enrolled at least half time
Maintain satisfactory academic progress
Attest you are not in default on any federal aid (including loans and grants)
Have a high school diploma or equivalent

When you are ready to complete the FAFSA, you typically use your Social Security Number to create an FSA ID, username and password. If you are a dependent student, you also need your parents’ SSNs in order to electronically sign the form.

You must also have the following documents ready when filling out the FAFSA.

Your driver’s license
If you are not a U.S. citizen, you must be an eligible non citizen and provide your Alien Registration number
Federal tax information for you and your spouse if married or for your parents if a dependent (IRS W-2, IRS 1040, foreign tax returns)
Records of any untaxed income (child support, interest income, veterans non education benefits for you and for your parents if a dependent)
Information on cash, savings and checking accounts (stocks, bonds, college 529, real estate with the exception of the home you live in.)

Who is Eligible to Receive Unsubsidized Loans?

Direct Unsubsidized Loans are for eligible students enrolled at least half time at a school that takes part in the federal direct loan program. Unlike subsidized loans, the unsubsidized student loan are available for

Undergraduate students
Graduate students
Professional students
Dependent undergrad students (if your parents are ineligible for a Direct PLUS Loan)

Let’s say your financial aid package includes federal loans, your school could tell you how to accept the loan. For first time borrowers this is a two step process. First, you go through entrance counseling. This is a tool to ensure you understand the obligation to repay the loan. Second, you sign a loan contract called a Master Promissory Note agreeing to the terms of the loan.

How Much Can You Borrow in Direct Unsubsidized Loans?

Your school determines the amount you may borrow based on your cost of attendance and other financial aid you receive. The school also sets the loan type(s) if any as well as the maximum amount you are eligible to borrow in any academic year.

That said there are annual loan limits and total amounts that one may borrow for undergraduate and graduate study (aggregate loan limits). These limits reflect what year of school you are in and your status as a dependent or independent.

Unsubsidized Annual Loan Limits

The following loan limits may vary over time according to the Federal Student Aid.

First Year Undergraduate: Ranges from $2,000 to $6,000 with a total limit of $5,500 to $9,500.

Second Year Undergraduate: Ranges from $2,000 to $6,000 with a total limit of $6,500 to $10,500.

Third Year and Beyond Undergraduate: Ranges from $2,000 to $7,000 with a total limit of $7,500 to $12,500.

Graduate/Professional (Independent students): You may borrow up to $20,500 each year.

Unsubsidized Aggregate Loan Limits

Dependent (except students whose parents are unable to obtain PLUS Loans): $31,000

Independent undergrads (and dependent undergraduates whose parents are unable to obtain PLUS Loans): $57,500

Professional and grad students: $138,500

How Does Interest Accrue for Student Loans?

First off, interest (which you pay to a lender) is the cost of borrowing money. It is calculated as a percentage of the unpaid principal amount. Any loan fees associated with your account may also impact the interest that accrues. Direct loans are daily interest loans which means that interest accumulates or accrues daily. Any unpaid interest you are responsible for and do not choose to pay may add to the principal (capitalized). As for interest rates, these are fixed for the life of the (federal) loan. But, do vary by type of borrower and loan as well as the loan disbursement date.

The following shows the interest rates for federal loans first disbursed on or after Oct. 1, 2020, and before Oct. 1, 2024.

Undergraduate borrowers: 5.50%% for Direct Subsidized Loans / Direct Unsubsidized Loans
Graduate and professional borrowers: 7.05% Direct Unsubsidized Loans only
Parents, graduate and professional borrowers: 8.05% Direct PLUS Loans

All variable and fixed rates may vary over time.

How Do You Pay Back Direct Unsubsidized Loans?

Once you graduate, leave school, or are no longer enrolled half time, you may have a six month grace period before you begin to pay back your unsubsidized loan. During this period, your servicer should notify you of your first payment due date. Payments are usually due monthly. However, there are a number of different repayment plans available. We go into more depth on that topic on our Federal Student Loan Repayment Plans.

Why You Should Consider Borrowing Federal Student Loans?

If you must take out a student loan for college, you are likely determining whether to borrow federal vs private student loans. Keep this in mind, remember to borrow only what you need, be clear on what you have to pay back and set a budget. Here are a few things to consider as you make this important choice.

1. Federal loans tend to cost less.

According to the Consumer Financial Protection Bureau private loans from a bank tend to have variable interest rates which means interest and payments may go up over time. In contrast, the interest rate on federal loans is fixed.

2. Federal loans may be easier to repay.

When it is time to repay, private loans may not offer as many options to reduce or delay payments. You don’t have to begin repaying your federal loans until after you leave college or drop below half time enrollment. There are also various repayment options if you are having trouble making a payment.

3. Federal loans typically don’t need a credit check.

In order to receive a private loan you are likely to need a cosigner or credit check. If you don’t have a cosigner or a great credit score, you may not qualify.

4. Federal loans may offer larger amounts.

If you are a qualifying graduate or professional student, you may borrow up to $20,500 each year in Direct Unsubsidized Loans. For qualifying undergrads, the maximum amount you may be able to borrow each year in Direct Unsubsidized / Subsidized Loans ranges from $5,500 to $12,500 per year.

Sponsorship for International Students

Posted on April 8, 2024January 17, 2025 by Melanie Datu

International students hoping to study full time in the United States may find several ways to do so. Many students need to pay for their college education out of their pocket. Sponsorship for international students could help cover the high costs of higher education.

Many U.S. student loan programs and grants are typically available only to U.S. citizens. Some may have some opportunities for students, but these are generally not from the government. A financial sponsorship can may come from a variety of sources. The key benefit here is that the sponsor typically helps to cover some or all of the student’s expenses.

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Sponsorship for international students are usually from a group or organization that agrees to help pay for the student’s costs. It may be an individual. It may also be a company or an agency. This party is typically willing to offer money to the student. The funds may be used for books and tuition. Sometimes it may help cover living expenses if attending a US college.

Sponsorships may be very valuable. It is typically hard to find. Students who secure it may be able to make their dream of getting a higher education in the U.S. possible. There are may be a few things to keep in mind about them, though. The funds usually have to be available right away. Schools will may not wait for funds to become available later.

A student who may have the expectation of employment cannot use those promised funds to pay for education. Rather, they must be able to make tuition payments. More so, they often have to show financial support is available for various degree programs.

Students interested in these funds should work with organizations willing to offer a sponsorship. Many schools publish a cost of living estimate each year. This info may help you make decisions about how much funding a sponsor may need to provide. These expenses plus the cost of tuition and fees can may be a good estimate of the funds needed from the sponsor.

Do International Students Need Sponsorships for Internships?

Students who plan to study and seek employment opportunities in the U.S typically need to have a sponsor for it. Many students may also need to have J1 Visa. This student visa may allow a student to enter into training programs while they are an intern.

To get this visa, students must first apply for a J1 Visa sponsorship. This is done through the U.S. Department of State. It is also done through a state department sponsored organization.

Sponsorship for international students looking for internships could be confusing. In short, students must typically apply with a program sponsor. These sponsors are usually responsible for selecting those who will enter into the J1 Exchange Visitor Program. They may then provide support to the student while they are in the U.S. A person may apply for the J1 Visa sponsorship. Then, they may need to provide documentation for their visa.

This is called the DS 2019 Certificate of Eligibility. The next form is the DS 7002 Training and Internship Placement Plan. This document likely requires all of the details of the process. It typically includes where the student will train. It may includes information about when they will hold the internship.

It may also require the student to provide information about the employer host. Students can may apply for this through their Consulate or Embassy whether first year of beyond. No visa is granted without these documents. This makes it important to get this information completed properly. This process is required for all who plan to intern in the U.S.

Many nonprofits, private organizations, and U.S. and international government may offer sponsorship for international students. It is typically difficult to obtain this type of support. Here are some organizations that may provide sponsorship for international students to receive an education.

U.S. Government Funding

Rarely it is possible to find support from the U.S. government. Many financial aid such as Pell grants are meant for U.S. citizens. There may be some funds for students from some companies. This may come through the U.S. Department of State. In addition, the U.S. Agency for International Development may help.

Some students may find funding this way. These programs control the student’s application process. They also may have very strict rules about the school selected. It will may also limit how the funds may be used. According to Education USA, students who qualify may get up to 100 percent of their tuition covered. It may be worth checking into either of these programs to find financial help. This is typically a good starting point.

Funding from an International Government

Some students may be able to secure funding from the government of their home country. This varies significantly. Some countries may help cover the cost of their citizens to study abroad. This may be done for experience. Sometimes it may be done to encourage students to get a more advanced education. They may also offer it if they do not have a program for the student’s interests.

A country’s Department of Education usually offers these programs, if available. Sometimes a Ministry of Education may also offer it. They may help find partnerships with U.S. schools. These partnerships can may be very lucrative. Students may qualify for a significant amount of funding if these connections exist. This may lead to free or reduced costs for education.

Sponsorship for International Students from Private Organizations

Another option for finding a sponsorship for international students come from private organizations. Many companies may seek out international students for key job positions. They may also offer scholarships for them. They typically want to build relationships between countries. Some organizations could want to create new avenues for untapped talent. There are many reasons private companies may do this including being a potential employer.

Often, companies may do this if their interests are tied to a country’s goals or economics. They may also set very strict rules for this. Students should learn what the company’s goal is before choosing this option. They may have very specific goals for the student after completing their course of study. Missions and values should generally align with the student’s goals as well.

These types of private organizations typically set the rules for where these funds may come from. It also includes how the funds may be used. Sometimes the conditions may tie the student to the private organization for years after. They may control many aspects of the student’s experiences.

Some organizations may cover all of the costs of the student whether you are part time or full time. That includes costs related to tuition and books. It may also include funds for relocating to the U.S. Some could offer internships as part of the program of study. If so, the J1 visa rules still apply.

Sponsorship for International Students from Nonprofit or Other Organizations

There are some nonprofit organizations that may help cover these costs. They may offer sponsorship for international students who wish to study in the U.S. Most often, these are companies located outside of the U.S. Some may do this if they will benefit from improved global travel or international between cultures. Many non government organizations have a goal or benefit in mind. Students should learn what these rules are.

They should gather information on the organization and its goals. Some of these programs could be somewhat limited. Many may offer to pay 100%of the student’s costs. This may include books, fees, and tuition. Some will also cover the cost of housing.

They may even provide a stipend to use for needs. It can be hard to find these types of organizations. Some are available through the education department. Most often, students need to have a working relationship with the organization. This may open doors for them to get this type of support.

How Do You Get Student Loans Without a Job?

Posted on March 8, 2024January 21, 2025 by Melanie Datu

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Can You Get Student Loans Without a Job?

Getting a student loan without a job may be possible when you have a cosigner. A cosigner is someone who may be willing to make your payments. Private lenders will accept this payment arrangement. They are willing take on the financial risk when two people make payments. The recent COVID 19 pandemic has forced many businesses to close and furlough staff. This situation has forced students to worry about paying off their student loan debt. It may also force some students to postpone their college courses until the economy improves.

The U. S. Bureau of Labor Statistics conducted an student unemployment study in January 2020. Unemployed high school graduates made up 3.8 percent of the study. College graduates had a 2.9 unemployment rate during the same month. With these worries, students wonder how they may pay for their college expenses. Student loans without a job could fill in the gaps or pay the entire costs. Students may seek a loan from a private lender. You may also be eligible for federal aid if you qualify. Private loan lenders may offer student loans even if you’re unemployed or if you have bad credit history. Financial aid may be available to those who qualify.

How Do I Qualify for Student Loans Without a Job?

One way to qualify is to have a cosigner. Private lenders take into consideration a person’s employment history and credit history. This information allows lenders to figure out the amount of the loan. A cosigner is anyone who meets the eligibility criteria for the student loans without a job. The cosigner may be your parents, grandparents, or another family member. It may also be a spouse or family friend. The cosigner typically have to meet the following criteria:

Good credit score of 600 or higher
Steady income (8% to 10% of discretionary income to make monthly loan payments)
Favorable 15% or less debt to income ratio

Income minimum limits and debt to income ratios may vary between lenders. You may need a cosigner if you don’t have a job. Ensure that the cosigner is someone that you trust.

Can You Get Federal Student Loans and Private Student Loans Without a Job?

Both private and federal aid lenders may provide student loans to unemployed students. You should double check if you meet the eligibility requirements of each lender.

What Federal Student Loans May You Receive Without a Job?

U.S. Department of Education will not review your credit report. The organization will also not check income history. They provide Stafford loans based on financial need. You also typically don’t need a cosigner. The only exception to this rule is if you plan to take out a Direct Plus loan with poor or no credit history. In these instances, you may need to have an endorser, which is similar to a cosigner.

Types of federal student loans that you may be eligible for if you don’t have a job include:

Direct Subsidized Loans: A federal student loan for undergraduate students. You may have to show financial need. The federal government will pay the fixed interest rate for the life of the loan.
Direct Unsubsidized Loans: A federal student loan for undergraduate and graduate students. You do not need to prove financial need. This federal student loan usually has fixed interest rates for the life of the loan.

Federal student loans typically have lower interest rates. This option also provides more variable payment options than private loans. You need to fill out a free application for federal student aid (FAFSA). Then you may send it to the eligible financial institution. The eligible financial institution may determine the amount of the federal loans.

What Private Student Loans Are Offered to Unemployed Students?

Private student loans may be available for unemployed students. You may need to have a cosigner to receive the loan. Citizens Bank and Sallie Mae may provide student loans. You may also seek out financial loans from a credit union. Private lenders may check your credit history and employment history for loan eligibility.

Other private lenders may check your future income potential instead of doing a credit check. This factor occurs when you don’t have a credit history or a co signor. Lenders understand that you may find employment after college. In this instance, you may be able to obtain one and submit a loan application.

How Do I Repay Student Loans Without a Job?

You may have to repay the personal loan using the funds from a savings account. The cosigner may also make monthly payments for you during your unemployment. Then you can take over the remaining loan amount or repay the cosigner. You could ask for forbearance or deferment for federal student loans. Forbearance may suspend your federal loan payments. The interest will still accrue on the loan as you will need to pay it later. Deferred federal loans will not accrue interest.

You may also qualify for loan forgiveness programs or an income driven repayment plan for federal loans. There might be less private student loan repayment options for unemployed students. Some student loan lenders may offer unemployment protection or economic hardship forbearance. You may check with specific loan servicers and student loan options. They may inform you about the length of their repayment term’s grace period. Also, don’t forget to check the repayment terms in the loan agreement which has the contracted interest rate.

Loan Forgiveness Programs: Loan forgiveness programs may forgive the remaining loan amount. You may have to make a certain number of previous payments to qualify. Private loan providers typically do not offer loan forgiveness programs. Federal loan forgiveness programs include the Public Service Loan Forgiveness Program.
Income driven Repayment Plan: An affordable payment program based on your income and family size. The PAYE plan applies to federal loans. Sallie Mae offers a $25 payment option while you’re in school and during the grace period.
Unemployment Protection/Economic Hardship Forbearance Programs: Some private lenders may offer deferment or forbearance programs. They’re available if you may experience unemployment or economic hardships. The Citizen’s Bank Student Loan offers deferment options. They may defer interest and payments for 6 months after graduation.

What Other Options May Help Pay for College?

You may try to pursue other financial aid options. Grants and scholarships typically do not need you to pay back the funds if you graduate. Yet, certain grants, such as a Pell Grant, may need repayment if you drop out of college. Other options may include:

Waiting to go to college until after finding a job
Placing the extra money into a savings bank account until you have enough for college
Obtaining a part time job, either online or at a brick and mortar establishment

The pandemic has caused increased economic uncertainty on a global scale. Many students are reconsidering their career options right now. You may select the loan options that best fit your current job goals. Then you could receive the desired degree at a great college.

FAFSA: Parent and Student Assets

Posted on March 8, 2024January 21, 2025 by Melanie Datu

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Reporting Assets on the FAFSA

The FAFSA requires you complete sections regarding your family’s assets and net worth of investments. Many families are confused about what they should and should not include when responding to these questions. Here’s a simple breakdown of what you should and should not include.

What are Student Assets on FAFSA? What are Parent Assets on FAFSA?

Cash, Savings & Checking Account Balances

When asked to list your (and your spouse if applicable) and your parents’ (if applicable) current cash, savings, and checking account balances…DO respond with the combined amounts as of the date you are filing the FAFSA. These cover parents assets on FAFSA.

They ask you to report cash because some families actually keep sizable amounts of cash in safe deposit boxes or otherwise outside of banks.

Net Worth of Investments – Considered Assets

This is where the FAFSA gets tricky and sometimes confusing. DO include the following investments:

Real estate other than the home you live in
UGMA and UTMA accounts
Money market funds
Mutual funds
Certificates of deposit (CD’s)
Stocks
Stock options
Bonds
Other securities
Installment and land sale contracts including mortgages held
Commodities investments (gold, silver, etc)
Qualified educational benefits or education savings accounts such as Coverdell savings accounts, 529 college savings plans, the refund value of 529 prepaid tuition plans

DON’T include these investments as assets on the FAFSA:

The equity available in the home you live in
The value of life insurance
The value of retirement plans such as 401k plans, pension funds, annuities, non-education IRAs, Keogh plans, UGMA and UTMA accounts for which you are the custodian but not the owner

You will also be asked about the value of your businesses and investment farms. Business and/or investment farm value includes the market value of land, buildings, machinery, equipment, inventory, etc. However, business/farm value does not include the value of a small business your family owns and controls more than 50% if that business has fewer than 100 full time or full time equivalent employees.

Also, the value of a family farm does not include a family farm you (your spouse and/or your parents) live on and operate.

Remember also that the FAFSA is asking for net worth of investments–the value of the investments minus any debt owed against them. Debt here means only debt owed against a particular investment or in the case of a business or farm where the business/farm was used as collateral to secure the debt.

Colleges with Rolling Admissions

Posted on December 2, 2020January 22, 2025 by venessa Regali

Table of Contents

The application process for students has typically been a long source of dread for many. Most of the time, it’s not one college that you’re applying to. Many students typically apply to several schools. This is true whether you’re trying for the Ivy League, national universities, or state universities. This is why colleges with rolling admissions could be a lifesaver. Applying to colleges with rolling admissions may make your life a little more streamlined. It may reduce the stress of making specific deadlines. See how college admissions work in the United States. We could also tell you more about how to use the policies to your advantage.

What Are Rolling Admissions?

The term rolling admissions refers to colleges that process applications as they arrive until slots are filled. Colleges with non rolling admissions wait until an application deadline before processing. Many schools have adopted this policy.

What is the Best Time to Apply in Rolling Admissions?

The best time to apply to colleges with rolling admissions may be as soon as you can. If you’re planning on early action, you may want to get your application in as soon as the school may take it. Each school may have its own college application process. Some may begin accepting as early as mid summer. Check the acceptance rate of your choices and make sure you have a safety school in mind (or two).

Advantages and Disadvantages of Rolling Admissions

There are typically pros and cons to colleges with rolling admissions. We’ll look at how the process works before you make your decision.

Pros

More Control

One advantage of colleges with rolling admissions may be that it puts you in the driver seat. Some people may hear back from a college within four weeks of applying. In other words, they may not have to wait until after the application deadline has passed.

Competition

There are two sides of the coin with competition. Let’s say you apply to Creighton University or Iowa State University. You may get the benefit of fresh eyes on your stats. It could give you the edge here if you apply on the early side. An admission official may be comparing your application to just a few other students. Without rolling admissions, they might be comparing you to thousands.

Competition advantage could also come late in the game though. Let’s say a school like Clemson University has an unexpected opening. You may still apply long after every other school’s deadline has passed.

Less Stress

Applying for colleges could be s a stressful time, one that isn’t made easier by looming deadlines. If your perfect pick accepts you immediately, you may relax and focus on making your senior year the best one ever.

DID YOU KNOW?
May 1 is sometimes referred to as National College Decision Day, because it’s the traditional deadline for deciding which school to enroll in.

Cons

Locks You In

Some students may end up making a decision too quickly with rolling admissions. They may end up jumping on the first opportunity without considering other options.

Changing Benchmarks

The more time goes by, the more students may apply. With rolling admissions, getting your application in at the peak isn’t typically recommended. Officials may be more overwhelmed and less likely to consider outside factors.

Applications Cutoffs

It’s easy to think you have all the time in the world with rolling admissions. But each school may have its own policy, and the terms may also include deadlines. As a student, you may have to do your research. Otherwise, you could end up applying to a school too late in the game.

You should also consider changing policy. The University of Illinois used to have rolling admissions. But they changed this when too many students deferred.

Rolling Deadline vs Rolling Notification

Rolling deadlines typically refers to school without a hard cutoff date. But, rolling notification refers to how the school may inform students of their acceptance. This does not mean that there are no official timelines though. For example, if you apply early action at Pacific University, you typically have up to January 15 to submit. Rolling admissions usually begin after that date.

Early Access vs Rolling Admission

Early access is typically considered a commitment to the school. Rolling admissions is not. It’s a way to respond to students faster. Let’s say you apply early access to Indiana University and get in. You’ve essentially told the school that you could be there in the fall. If you apply rolling admission to Michigan State University, you may or may not attend.

25 COLLEGES WITH ROLLING ADMISSIONS POLICIES

5 Grantham University

Grantham University serves the non-traditional student with a philosophy centered on quality distance learning. This online university works with a highly diverse student population. The university values how education may enhance one’s life. It may be a particularly smart choice during COVID.

Admission Requirements

Proof of high school graduation
SAT score of 880 (or ACT score of 18)
Recommendation from high school guidance counselor
Funding in place within a week of start date

Application Deadline

Applications accepted year-round

6 Full Sail University

Full Sail University offers more than 90 programs. It typically serves more than 15,000 students. The university provides students with a creative approach to education. Classes are immersive, fast-paced, and relevant. Education mirrors the workflow and collaboration found in today’s business environment.

Admission Requirements

Completed application
High school diploma or equivalent
Government-issued photo identification
Verification of English proficiency (if primary language)
Interview with Admissions Representative

Application Deadline

Applications accepted year-round. Full Sail University recommends applying at least 3 months before start date.

8 Penn State

Penn State was originally founded in 1855. Sometimes called a public Ivy League school, it has a solid reputation for educating its students. Pennsylvania State University college is all about broadening its students horizons. It’s also a good place to make lifelong connections and begin your true career path.

Admission Requirements

Depends on program
No minimum SAT score required

Application Deadline

Modified rolling admission. Early action applications due Nov 15, recommended for all students to have applications in by Dec 1

COLLEGES WITH ROLLING TRANSFER ADMISSIONS

Transferring is typically common for college students. You might start in Houston and need to move home. Or you might decide a state college isn’t for you. This is true whether you’re coming from California State University, University Park, or the University of Tennessee. The good news is that some schools may accept transfer applications year-round. As with regular admissions, it means you likely don’t have to stress about meeting certain deadlines.

Check with the college to see if they have a rolling transfer admissions process. SUNY might have different standards than the University of North Carolina.

3 Tips When Applying to Schools with Rolling Admissions

There’s no such thing as perfection when getting ready for college. You may struggle with decision deadlines or which liberal arts program to pick. Students may miss application requirements. They may decide to change paths at the last minute. This is why rolling admissions may be so helpful!

Here are a few tips to get everything together

1. Pay Attention to Priority Deadlines

As you’ve seen, schools across the country have different deadlines. They may also change every year. The University of Alabama has a different schedule than the University of Tennessee.

Try to get your application in before the priority deadline. Capacity may be reached sooner than you think.

2. Watch for Other Deadlines

Colleges like the University of California or Rutgers University may not just have admissions deadlines. Schools also have deadlines to apply for other considerations. This may mean housing, financial aid, potential merit scholarships, etc.

Some academic programs may also have their own deadlines for admissions decisions. These are separate from the school’s general admissions policy.

3. Look Past the Rolling Admissions Deadline

Look for the school that feels like a perfect fit for you. Just because Wesleyan University doesn’t have rolling notifications, doesn’t mean you should apply. Consider your prospective major. Whether you want to study online or on campus. What potential student clubs and activities you may want to be involved in.

Hopefully, you may find a school that suits your admissions timeline. But that also offers what you’re looking for in terms of a higher education partner.

Guide Tribal Colleges and Scholarships for Native Americans

Posted on November 9, 2020January 17, 2025 by venessa Regali

Table of Contents

In the United States, only 17% of Native American students pursue higher education after high school, and they constitute only 1% of the undergraduate population. The Postsecondary National Policy Institute indicates that even fewer Native American students continue to graduate school, with financial obstacles often playing a significant role. However, there are potential solutions in the form of financial aid, including scholarships, grants, and opportunities provided by Tribal colleges, which can assist more Native American students in accessing college education. Financial aid options may be available to those who meet the eligibility criteria.

Scholarships for Native American Students

Scholarships provide college funding without the burden of repayment. Numerous scholarships tailored for Native Americans focus on their specific ethnicity and can be offered by educational institutions, businesses, and non-profit organizations. Here are some Native American scholarships worth considering:

United South & Eastern Tribes. Every year, the USET Education Committee provides financial awards to successful applicants from one of the 30 USET Member Tribal Nations. The deadline for applications is January 15. To be eligible, students must have a satisfactory GPA and be enrolled or accepted into a college degree program.
Zuni Tribal Scholarship. American Indian students belonging to the Zuni Tribe can apply for the Zuni Tribal Scholarship. The award amount varies, and applicants must be enrolled in college. The deadline for applications is October 30, and the scholarship requires yearly renewal.
Full Circle Scholarship Fund. The American Indian College Fund offers this scholarship with varying award amounts, and the application deadline is annually on May 31st. To be eligible, students must maintain a 2.0 GPA.
Catching the Dream Program. Native American high school seniors can benefit from three different scholarship opportunities through this program. To qualify, a high GPA is necessary, and priority is given to those pursuing STEM topics. The award amount varies, and the application deadline is September 15.
Chickasaw Nation Scholarship Program. Chickasaw Nation members who maintain a 3.0 GPA and take three or more credit hours per semester are eligible for this award. The amount varies depending on enrollment status and GPA. Application deadlines fall on February 15, July 1, and September 15.
Wells Fargo American Indian Scholarship. Students who are members of federally recognized tribes are eligible to apply for this scholarship, which offers up to $5,000 per year and requires a minimum GPA of 2.7. The 2023 application deadline has already passed, so please refer to their website for any future updates.
Indian Health Services Scholarship. Scholarships are available for American Indian and Alaska Native health students, with varying award amounts. Applicants are usually required to submit an essay and demonstrate strong academic performance. The application process generally takes place during the winter each year.
Daughters of the American Revolution American Indian Scholarship. The application period for this scholarship typically commences in November. It offers a one-time $4,000 award and is open to Native American students from any tribe with a minimum GPA requirement of 3.25 or higher.
Association on American Indian Affairs Scholarships. The association usually provides scholarships for Native American full-time students with a GPA of 2.5 or higher. Unfortunately, scholarship applications for the fall 2023 through spring 2024 term are now closed. Please visit their website for any updates regarding future opportunities. The award amount varies.
Gates Millennium Scholars Program. Native Americans are typically eligible for this scholarship as part of the minority student category. The scholarship may prioritize fields of study where their ethnic groups are underrepresented. The award amount and application deadline vary depending on the specific scholarship opportunity.
American Indian Education Fund Scholarship. This scholarship is usually available to individuals with tribal enrollment for themselves or their parents. It provides an award of up to $2,000 per year. The scholarship application period begins on February 1st annually, with a priority deadline of May 31st. However, the application remains open until January 30th of the following year.
Continental Society Daughters of Indian Wars, Inc., National American Scholarship. Tribal members who are enrolled in at least 8 semester hours and maintain a 3.0 average are eligible to apply for this renewable $5,000 award. The application deadline is June 15 each year.
Gates Post Graduate Scholarship. The esteemed award typically offers $5,000 to $30,000 per year for students engaged in post-graduate training in STEM fields. Applicants must apply by June 1 and demonstrate a commitment to pursuing STEM disciplines.

Grants for Native American Students

Apart from scholarships for Native Americans, there are also grants available for eligible individuals. Grants function similarly to scholarships and usually do not require repayment. In addition to meeting GPA and Native status criteria, many grants also take financial need into account. Here are some grants to consider:

Bureau of Indian Education Grant Program. The BIE (Bureau of Indian Education) offers a grant program specifically for Native Americans with at least ¼ Indian blood. To be eligible, students must be accepted or enrolled in a college program pursuing either an associate or four-year bachelor’s degree. Demonstrating clear financial need, often through the FAFSA application, is also a requirement for this grant. Additionally, individuals with blindness or vision loss may qualify for this program.
Blackfeet Nation Higher Education Grant. Members of the Blackfeet Tribe can typically apply for this grant, which offers an award ranging from $2,800 to $3,000 to be used for their undergraduate education. The application process may involve demonstrating financial need and submitting an essay.
Indian Higher Education Grant Program. This federal grant program offers help for Native American students with a proven financial need.

Native American Fellowships

A fellowship typically awards a student money for college in return for service or work in a specific field. Students may need to get a job in a specific area or spend time volunteering in return for their funds. Some Native American fellowships to consider include:

American Indian Graduate Center Fellowship Program. This program typically grants students pursuing graduate degrees in specific fields with awards ranging from $500 to $5,000. The application deadline for this grant is June 1.
Frances C. Allen Fellowship for Women of American Indian Heritage. he fellowship is provided by The Newberry, an independent Chicago research library. Make sure to submit your application by December 15, and your field of study should align with the library’s collections.
Native American Residency Fellowship at the Vermont Studio Center. The fellowship typically offers a one-month residency, which includes room and board, a studio, and $500 for travel expenses, to Native American visual artists who want to study at the Vermont Studio Center. Applications are due in the fall.
AISES Scholarships. AISES often collaborates with various businesses and non-profits to offer STEM scholarships to Native American students. The scholarship amounts and application deadlines vary depending on the chosen program.

Financial Aid for Native American Students

Many different types of financial assistance may be available to Native American students. Getting sufficient help paying for school requires that students understand all of these options. It also requires following the correct steps to apply for aid. Here’s what a student should do to get help paying for school.

Determine Your Status as a Native American

Not everyone who has Native American heritage qualifies for these scholarships. You typically must be an enrolled member of a recognized Native American Indian tribe or an Alaskan Native group to qualify. Another option may be to apply using what is called “blood quantum.” This means the student is at least ¼ Native American. Typically this is because one grandparent is full-blooded Native American. Students who need to prove their ancestry could use the US Dept. of the Interior’s Trace Indian Ancestry page to search their heritage. They may then apply to their tribe to enroll as a tribal member.

Complete the FAFSA

The Free Application for Federal Student Aid (FAFSA) establishes a student’s financial need and eligibility for federal programs, like the Pell grant. Many Native American aid programs require proven financial aid. Completing the FAFSA is the first step in proving need.

Understand the Types of Financial Aid

In addition to scholarships, Native Americans typically have these main types of student aid offered to them. These are:

Scholarships. Scholarships for Native Americans are awarded based on merit or ethnic status and usually do not have to be paid back.
Grants. Grants also typically do not get paid back. They are often based on financial need.
Fellowships. Fellowships pay students for work in a field specific to the group’s goals and needs.
Loans. Loans provide money for school that must be repaid, with interest, after graduation.
Work-Study. Work-study programs provide money for school in exchange for work at the college.

Check Out Other Sources for Financial Aid

While Native American students may have several financial aid options specific to them, there are other options too. Native American students should look for scholarship and grant options that does not use race or tribal status as a criterion. Scholarships and grants that look at a student’s grades, community service, and other activities could help cover the cost of school.

Challenges Native American College Students Face

Access to college and challenges with the cost of school both impact the native populations.

What are the biggest hurdles that are unique to Native American students when trying to gain admission into school?

Some of the challenges Native Americans face prevent them from getting into college. The cost of college, or the perception about that cost, is typically one hurdle. Sometimes the college admissions process is too complex for students to tackle on their own, and not having parents that went through the process may make this harder. In addition, reservation-based schools tend to have high staff turnover. Without strong relationships with guidance counselors and teachers, students may be less likely to find the perfect college or feel the importance of a college education.

What are some of the biggest challenges once these students are in school?

Many Native American students are likely to overcome these challenges and make it to school, only to find a new set of concerns. Many students find themselves on campuses with few Native students, creating a disconnect between their native culture and their new college community. Often, non-native students and teachers may not understand the cultural traditions of Native American students. If students need to miss class for cultural events, they may suffer socially or academically. Many Native students head to school as older adults. This tends to make finding appropriate, affordable housing difficult. Finally, many Native students may not be prepared well for the challenges of college life. They may feel overwhelmed with the new culture and academic courses.

American Indian College Fund

The American Indian College Fund invests in the education of Native and tribal students. This is the largest charity for this group in the nation. They typically have scholarships for Native American students, but they may also have programming that connects students to the support they need to succeed in college and beyond. Of all the resources available, this is usually one of the most helpful for new Native American college students.

Support Organizations for Native American Students

Support organizations both on campus and off provide could help to get students over these hurdles. Students could reach out to these groups to receive support and find opportunities for advancement. Some of these groups include:

AICF. The American Indian College Fund is one of the most important and comprehensive support groups for native students.
AIHEC. The American Indian Higher Education Consortium provides a network of support to sunbonnets while also working hard to change federal policies so they better support Native students.
AIS. American Indian Services is a non profit group that creates programs and funding for Native Americans. The goal is to help them earn a quality education while maintaining their own heritage and culture.
AISES. American Indian Science and Engineering Society provides support for Native Americans who are pursuing education and careers in STEM areas.
PWNA. Partnership with Native Americans provides help and hope for those living on isolated or remote reservations. It gives aid to help improve the economic situation of these people.

What are Tribal Colleges?

Tribal colleges and universities are higher learning schools run by tribal leaders. This is a newer idea and an attempt to deal with some of the challenges Native students face.

How Could Tribal Colleges Help?

Tribal colleges typically assist students because they understand the traditions and cultures of their tribe or native group. This means students generally do not face conflicts between their education and their culture or beliefs.

Why are Tribal Colleges Important?

Tribal college sometimes provides the only college opportunity for local native populations. They are typically located close to the people who need them, sometimes even on the reservation, and have lower cost tuition. This all combines to likely make college more accessible for Native students.

List of Tribal Colleges

There are currently over 30 tribal schools throughout the United States. Many cater to the unique cultures of a specific tribal group, but all welcome Native and non-Native people. As long as students are wiling to embrace tribal culture, they may attend one of these schools:

Ilisagvik College
Dine College
Tohono O’odham Community College
Haskell Indian Nations University
Bay Mills Community College
Keweenaw Bay Ojibwa Community College
Saginaw Chippewa Tribal College
Fond du Lac Tribal and Community College
Leech Lake Tribal College
Red Lake Nation College
White Earth Tribal and Community College
Aaniiih Nakoda College

Blackfeet Community College
Chief Dull Knife College
Fort Peck Community College
Little Big Horn College
Salish Kootenai College
Stone Child College
Cankdeska Cikana Community College
Nueta Hidatsa Sahnish College
Sitting Bull College
Turtle Mountain Community College
United Tribes Technical College
Little Priest Tribal College

Nebraska Indian Community College
Institute of American Indian Arts
Navajo Technical University
Southwestern Indian Polytechnic Institute
College of the Muscogee Nation
Sinte Gleska University
Sisseton Wahpeton College
Northwest Indian College
College of Menominee Nation
Lac Courte Oreilles Ojibwe Community College

Ilisagvik College

100 Stevenson St. | Barrow, AK 99723
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This tribal school typically serves the people of the North Slope Borough, which includes many who are part of the Inupiaq culture. It usually offers degrees in health, accounting, adult education, business, construction, emergency services, heavy equipment, info tech, liberal arts, office management, industrial safety, and Inupiaq cultural studies. Degree examples include:

Dental Therapy (AAS)
Inupiaq Studies (AAS)
Business and Management (AAS)
Allied Health (AS)

School Details:

Dual Credit program
NWCCU Accredited

Scholarships:

American Indian College Fund

Tribal Groups

Inupiaq

Dine College

One Circle Dr. Route 12 | Tsaile, AZ 86556
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This was the nation’s first tribal-controlled, accredited institution. It typically offers a range of general ed programs in arts, humanities, English, education, STEM, business, social science and Dine studies. Degree programs may include:

Public Health (BS)
Dine Studies (BA)
Business Admin (BA)
Elementary Ed (BA)

School Details:

Dual Credit program
HLC Accredited
American Indian Higher Education Consortium

Scholarships:

American Indian College Fund Student of the Year Award

Tribal Groups

Navajo Nation

Tohono O’odham Community College

Hwy 86 | Sells, AZ 85634
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This college sits on the 2.8 million acre Tohono O’odham reservation along the Mexico border. It typically offers degrees in the arts, business, science, health, education and social services, as well as several technical trades. Courses of study may include:

Business Admin (AB)
Life Science (AA)
Social Work (AA)
Tohono O’odham Studies (AA)

School Details:

Transfer programs to four-year schools
Direct Employment Programs
HLC Accredited

Scholarships:

Gewkdag Scholarship

Tribal Groups

Tohono O’odham

Haskell Indian Nations University

155 Indian Ave. | Lawrence, KS 66046
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HINU is the country’s top tribal university with a 120 year history. It tends to have a wide range of degree programs including American Indian studies, business admin, elementary education, environmental science, and others. Degree programs may include:

Indigenous and American Indian Studies (BA)
Elementary Ed (BS)
Business Admin (BS)
Environmental Science (BS)

School Details:

HLC Accredited
NCATE Accredited

Scholarships:

American Indian College Fund

Tribal Groups

Multiple tribes

Bay Mills Community College

12214 W Lakeshore Dr. | Brimley, MI 49715
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BMCC provides degrees for those in the Anishinaabek culture. Degree options typically include business admin, early childhood ed, construction, Ojibwe language instruction, criminal justice and computers. Degrees may include:

Computer Info Systems (AAS)
Paramedic (AAS)
Criminal Justice (AA)
Great Lakes Native Studies (AA)

School Details:

HLC Accredited
American Indian Higher Education Consortium
Online ed options

Scholarships:

Board of Regents Tuition Award
Herman E. Cameron Memorial Scholarship

Tribal Groups

Chippewa

Keweenaw Bay Ojibwa Community College

111 Bear Town Rd. | Baraga, MI 49908
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KBOCC is on the L’asnse reservation. It typically offers associated degrees in a range of fields, including Anishinaabe studies, business, environmental studies, and early childhood ed. Degrees may include:

Anishinaabe Studies (AA)
Business Admin (AS)
Early Childhood Ed (AS)
Liberal Studies (AA)

School Details:

HLC Accredited
American Indian Higher Education Consortium

Scholarships:

American Indian College Fund

Tribal Groups

Ojibwa
Chippewa

Saginaw Chippewa Tribal College

2274 Enterprise Dr. | Mount Pleasant, MI 48858
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This public college tends to reflect the culture and value of the Anishinaabe. It is a family-focused campus and typically has small class sizes. The programs include Native studies, business, science, and liberal arts. Degree programs may include:

Native American Studies (AA)
Business (AA)
General Science (AS)
Liberal Arts (AA)

School Details:

HLC Accredited

Scholarships:

SCTC Board of Regents’ Scholarship

Tribal Groups

Chippewa

Fond du Lac Tribal and Community College

2101 14th St. | Cloquet, MN 55720
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This school offers two and four year degree programs for students from the Fond du Lac Band of Lake Superior Chippewa and other tribal groups. Degrees are typically available in elementary ed, business, corrections, geospatial tech, nursing, and nutrition. Degrees typically include:

American Indian Studies (AA)
Elementary Ed (AS)
Corrections (AS)
Nursing (AS)

School Details:

HLC Accredited
World Indigenous Nations Higher Education Consortium

Scholarships:

Foundation Scholarships

Tribal Groups

Chippewa

Leech Lake Tribal College

6945 Little Wolf Rd. | Cass Lake, MN 56633
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Leech Lake Tribal College typically serves the Ojibwe community with degrees in the arts, humanities, tech, and natural sciences. The school offers many family friendly solutions, with a focus on the Anishinaabe values. Degree programs may include:

Liberal Education (AA)
Earth Systems Science (AS)
Business Management (AAS)
Early Childhood Development (AA)

School Details:

Named best Com. College in Nation by Wallet Hub in 2017
HLC Accredited
The American Indian Science and Engineering Society member

Scholarships:

LeRoy Staples Sr. and LeRoy B. Fairbanks Scholarship
Susan Helen Tibbetts Sjolund Scholarship
Clem Nason Memorial Scholarship

Tribal Groups

Ojibwe

Red Lake Nation College

23750 MN-1 | Red Lake, MN 56671
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This school provides Ojibwe language and cultural education. It typically focuses on two year degree programs that could transfer easily into four year schools. Many student services make it easier for students to attend. The school has two degree programs, which include:

Liberal Education (AA)
Social and Behavioral Sciences (AAS)

School Details:

HLC Accredited
Online ed options

Scholarships:

Presidential and Achievement scholarships

Tribal Groups

Red Lake Nation

White Earth Tribal and Community College

210 Main St. S | Mahnomen, MN 56557
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This school serves the White Earth Reservation and the communities surrounding it. It typically offers one associate degree program that provides a general education with a focus on core requirements. Many students transfer to a four year school after graduation.

Humanities, Arts & Social Sciences (AA)

School Details:

HLC Accredited

Scholarships:

White Earth Scholarship

Tribal Groups

MCT White Earth Band

Aaniiih Nakoda College

Hwy 2 and Hwy 66 | Harlem, MT 59526
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This school typically serves tribal and non-tribal members with a focus on the Fort Belknap Indian Reservation area. It has degrees in environmental science, education, business, Native studies, health, and psychology. Degree programs may include:

Aaniih Nakoda Ecology (BS)
American Indian Studies (AA)
Business (AA)
Human Services (AA)

School Details:

NWCCU accreditation
USDA Extension Demonstration Farm

Scholarships:

American Indian College Fund

Tribal Groups

Gros Ventre
Aaniiih
Nakota

Blackfeet Community College

504 SE Boundary St. | Browning, MT 59417
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BCC typically serves the Blackfeet Indian Reservation and surrounding communities with degrees in IT, business, education, health, humanities, STEM, and nursing. Childcare services make it possible for adults with families to attend. Degree programs usually include:

Accounting (AS)
Elementary Ed (AS)
Liberal Arts (AA)
Piikani Studies (AA)

School Details:

NWCCU accreditation
Online and hybrid courses

Scholarships:

First Time First Year Freshman Scholarship

Tribal Groups

Blackfeet

Chief Dull Knife College

One College Dr. | Lame Deer, MT 59043
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This tribal college typically provides degrees to members of the Northern Cheyenne reservation. The college is on the forefront of tribal language preserving efforts. Students may study the arts, political science, social science, STEM, business, paralegal, and Native studies. Programs are designed to transition students to four year degrees. Degree programs usually include:

Addiction Studies (AA)
AA Animal Science (AA)
Cheyenne Studies (AA)
Math (AS)

School Details:

American Indian Higher Education Consortium
American Association of Community and Junior Colleges
NWCCU accreditation

Scholarships:

American Indian College Fund

Tribal Groups

Cheyenne

Fort Peck Community College

PO Box 398 | Poplar, MT 59255
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This college has two campuses and several degree programs. Students may study degree programs or earn certs while preserving the culture of the Assiniboine and Sioux people from the Fort Peck Reservation. Some of the school’s degrees typically include:

Business Admin (AA)
Native American Studies (AA)
Bio Medical Science (AS)
Info Tech (AAS)

School Details:

NWCCU accreditation
World Indigenous Nations Higher Education Consortium

Scholarships:

American Indian College Fund

Tribal Groups

Assiniboine
Sioux

Little Big Horn College

8645 S Weaver Dr. | Crow Agency, MT 59022
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This school typically weaves the Crow culture into its training programs. It has a modern campus on the Crow Indian Reservation. Students may study a wide range of topics, including pre-nursing, info tech, Crow studies, ecology, and more. Degree programs likely include:

Business Admin (AA)
Crow Studies (AA)
Info Systems (AS)
Science (AS)

School Details:

NWCCU accreditation

Scholarships:

American Indian College Fund

Tribal Groups

Crow

Salish Kootenai College

PO Box 70 58138 US Hwy 93 | Pablo, MT 59855
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SKC reaches the people of the Flathead Nation. It generally provides a range of degree programs spanning everything from psych to construction. Student clubs and on campus housing make education attainable for students. Degrees typically include:

Business Admin (BA)
Forestry (BS)
Tribal Historic Preservation (BA)
Psychology (BA)

School Details:

Dual Enrollment program
NWCCU accreditation

Scholarships:

CSKT Scholarship

Tribal Groups

Flathead Nation
Séliš
Ksanka
QÍispé

Stone Child College

8294 Upper Box Elder Rd. | Box Elder, MT 58521
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SCC is a tribal chartered college that typically focuses on preserving the Chippewa Cree culture and language. Students may study health, arts, Native culture, tech, education, human services, and business. A campus daycare and on campus room rental help may students succeed. Degrees typically include:

Elementary Education (BS)
Allied Health (AS)
Native American Studies (AA)
Human Services Rural Behavioral Health (AA)

School Details:

NWCCU accreditation
American Indian Higher Education Consortium

Scholarships:

April Dawn Stamper Memorial Scholarship
Fine Arts Scholarship
William O. Goggins Journalism Award

Tribal Groups

Chippewa Cree

Cankdeska Cikana Community College

213 1st Ave. | Ft Totten, ND 58335
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CCCC trains the people of the Spirit Lake Dakota Reservation. It typically has degrees in Dakota studies, social work, the arts, tech, health, and ed, with trade certs as well. Many cultural events keep students connected to their tribe. Degree programs usually include:

Dakota Studies (AA)
Social Work (AA)
Pre Nursing (AS)
Office Tech (AAS)

School Details:

HLC Accredited
American Indian Higher Education Consortium
North Dakota Association of Tribal Colleges

Scholarships:

Spirit Lake Tribal scholarship

Tribal Groups

Dakota

Nueta Hidatsa Sahnish College

220 8th Ave. N | New Town, ND 59763
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NHSC is chartered by the Three Affiliated Tribes of the Ft. Berthold Reservation. It typically offers training in Native studies, ed, business, social work, STEM, and equine studies. On campus childcare and student housing are available. Degrees usually include:

Env. Science (BS)
Native Studies (BS)
Addiction Studies (AA)
Equine Studies (AA)

School Details:

HLC Accredited

Scholarships:

ITCHE Shikake Scholarship
Dakota Indian Scholarship
TAT Tribal Chairman’s Ed Grant

Tribal Groups

Mandan
Hidatsa
Arikara

Sitting Bull College

9299 Hwy 24 | Fort Yates, ND 58538
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This college is based on the Standing Rock Reservation, but also has sites in South Dakota. It typically offers academic, career, and tech ed, with bachelor’s and associate degree programs along with certs. It also has one master’s degree, making it one of the rare tribal schools to offer grad work. Degree options usually include:

Env. Science (MS)
Curriculum and Instruction (M.Ed)
Native American Studies (BA)
Social Work (BA)

School Details:

HLC Accredited

Scholarships:

Barden Scholarship
Build Your Brighter Future Scholarship
Crazy Horse Memorial Scholarship
Dakota/Lakota Scholarship
Doyle Butler Memorial Scholarship

Tribal Groups

Lakota
Dakota
Sioux

Turtle Mountain Community College

10145 BIA Rd. 7 | Belcourt, ND 58316
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TMCC trains the Turtle Mountain Band of Chippewa and sits on the Turtle Mountain Band of Chippewa reservation. This commuter college typically offers bachelor’s degrees, associate degrees, and certs. Degree programs may include:

Teacher Ed (BS)
Leadership and Management (BA)
Anishinaabe Language (AA)
Ogimaawi Leadership (AA)

School Details:

HLC Accredited
Dual Credit program

Scholarships:

Tribal Scholarship Program

Tribal Groups

Chippewa

United Tribes Technical College

3315 University Dr. | Bismarck, ND 58504
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UTTC is a tech school focused on tribal education and cultural preservation. It typically offers associate degree options and certs. Degree programs might include:

Elementary Ed (AS)
Auto Tech (AS)
Human and Social Services (AA)
Graphic Design (AS)

School Details:

HLC Accredited
Online degree options

Scholarships:

American Indian College Fund

Tribal Groups

Mandan
Hidatsa
Arikara

Little Priest Tribal College

601 E College Dr. | Winnebago, NE 68071
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LPTC typically offers associate degrees in language and culture as well as education, liberal arts, and business. The campus is on the Winnebago Reservation and strives to prepare students to transfer to a four year school. Degrees likely include:

Native American Studies (AA)
Teacher Ed (AA)
Indigenous Science Environmental (AS)
Indigenous Science Health (AS)

School Details:

American Indian Higher Education Consortium
HLC Accredited
Nebraska Transfer Initiative

Scholarships:

Winnebago Scholarship and Financial Assistance Program

Tribal Groups

Winnebago

Nebraska Indian Community College

College Hill | Macy, NE 68039
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This tribal school has three campuses and has both associate degrees and certs. Students may use their degrees to pursue entry level positions or to transfer to a four year program. Degree options include:

Carpentry (AAS)
Native American Studies (AA)
Para Educator (AA)
Business (AA)

School Details:

HLC Accredited
American Indian Higher Education Consortium

Scholarships:

High School Grad Success Scholarship

Tribal Groups

Omaha
Santee Sioux

Institute of American Indian Arts

83 Avan Nu Po Rd. | Santa Fe, NM 87508
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This is the only tribal college that is a four year fine arts institution. It typically serves all Native people, including Alaska Natives, and focuses on the Native arts. It has certs, associate degrees, bachelor’s degrees, and master’s degrees, and all are in the arts. Degree programs may include:

Cinema and Tech (BFA)
Creative Writing (MFA)
Museum Studies (BFA)
Studio Arts (BFA)

School Details:

HLC Accredited
IAIA Museum of Contemporary Native Arts
Dual Credit programs

Scholarships:

American Indian College Fund

Tribal Groups

Serves all Native people

Navajo Technical University

Lowerpoint Rd. | Crownpoint, MN 87313
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NTU typicaly follows the Dine Philosophy of Education. It has a campus in Arizona as well as Crownpoint. It has master’s degrees, bachelor’s degrees, associates degrees, and certs, including several in the Dine language. Students may study education, health, veterinary science, energy, IT, business, and Native culture. Programs include:

Dine Culture, Language, and Leadership (MA)
BAS Hotel and Restaurant Admin (BAS)
Animal Science (BS)
Env. Science and Natural Resources (BS)

School Details:

HLC Accredited
ABET accredited

Scholarships:

PNM Scholarship
Tom Davis Scholarship

Tribal Groups

Navajo

Southwestern Indian Polytechnic Institute

9169 Coors NW | Albuquerque, NM 87184
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This school typically focuses on STEM opportunities for Native learners. It has certs and associate degree programs in tech and computers. It also has degrees in business. Programs may include:

Culinary Arts (AAS)
Vision Care Tech (AAS)
Geo Spatial Info Tech (AAS)
Pre Engineering (AS)

School Details:

HLC Accredited
American Indian Higher Education Consortium
Online degree options

Scholarships:

The Johnson Scholarship
SIPI New Student Scholar

Tribal Groups

All tribal groups served

College of the Muscogee Nation

1200 Hwy Loop 56 | Okmulgee, OK 74447
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This college typically offers general ed and tribal programming. Associate degrees and certs are both available, many in the Mvskoke language. Degree options may include:

Native American Studies (AS)
Tribal Services (AS)
Criminal Justice (AAS)
Gaming (AAS)

School Details:

HLC Accredited

Scholarships:

Muscogee (Creek) Nation Scholarship Foundation

Tribal Groups

Muscogee (Creek)

Sinte Gleska University

101 Antelope Lake Circle | Mission, SD 57555
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This college typically offers master’s degrees, bachelor’s degrees, associate degrees, and certs in the arts, education, computers, human services, and Native history and culture. Degree usually programs include:

Education (MS)
Computer Science (BS)
Business Management (BA)
Human Services (BA)

School Details:

HLC Accredited

Scholarships:

American Indian College Fund

Tribal Groups

Sicangu Lakota
Sioux

Sisseton Wahpeton College

BIA Rd. 700 Agency Village | Sisseton, SD 57262
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SWC serves members of the Sisseton Wahpeton Oyate of the Lake Traverse Reservation. It typically has associate degrees and certs in a range of fields, including business, finance, ed, and Dakota studies. Degree programs include:

Addiction and Diversity Counseling (AS)
Sustainable Env. Studies (AS)
Carpentry Tech (AAS)
Dakota Studies (AA)

School Details:

HLC Accredited
Articulation Agreements
Online degrees offered

Scholarships:

Tribal Groups

Sisseton Wahpeton Sioux

Oglala Lakota College

3 Mile Creek Rd. | Kyle, SD 57752
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OLC serves the Pine Ridge Reservation and the Oglala Sioux Tribe. It typically has master’s degrees, bachelor’s degrees, associate degrees, and certs, with a focus on Lakota language and culture. Students may study health, IT, business, ed, construction, STEM, and Native studies. Degree programs likely include:

Lakota Studies (BA)
Lakota Leadership and Management (MA)
K 12 Lakota Studies Education (BS)
Social Work (BSW)

School Details:

HLC Accredited
American Indian Higher Education Consortium
Online degree options

Scholarships:

Board of Trustees Supplemental Scholarship
Johnson Entrepreneurship Scholarship

Tribal Groups

Lakota
Oglala Sioux

Northwest Indian College

2522 Kwina Rd. | Bellingham, WA 98226
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NIC is part of the Lummi reservation and typically focuses on protecting tribal values. Students can earn bachelor’s degrees, associates degrees, and certs in Native studies, tribal government, business, human services, and IT. Programs usually include:

Native Studies Leadership (BA)
Community Advocacy and Community Ed in Human Services (BA)
Native Env. Science (BA)
Tribal Gov. and Business Management (BA)

School Details:

NWCCU accreditation

Scholarships:

American Indian Entrepreneurship Scholarship (NWIC)
Foundation Scholarships (NWIC)
S-STEM Scholarship (NWIC)

Tribal Groups

Lummi

College of Menominee Nation

N 172 Hwy 47/55 | Keshena, WI 54135
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CMN is on the Menominee Reservation with a campus in Green Bay. This school typically has bachelor’s degrees, associate degrees, and certs. Students may study education, nursing, Native studies, business, and STEM. Programs include:

Public Admin (BA)
Business Admin(BS)
Natural Resources (AAS)
Substance Abuse (AAS)

School Details:

HLC Accredited

Scholarships:

CMN Privately Funded Scholarships

Tribal Groups

Menominee Nation

Lac Courte Oreilles Ojibwe Community College

13466 W Trepania Rd. | Hayward, WI 54843
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Programs typically include:

Native American Studies (AAS)
Accounting (AAS)
Business (AS)
Nursing (AS)

School Details:

HLC Accredited

Scholarships:

La Courte Orielles Ojibwe College Student Scholarship Fund
Johnson Scholarship Foundation Scholarship
Gay I. & Harry C. Leslie III Fund
Isham Chase Scholarship Fund

Tribal Groups

Chippewa

Guide Schools & Scholarships for Students with Disabilities

Posted on October 27, 2020December 18, 2024 by venessa Regali

Table of Contents

Facing challenges such as learning obstacles, physical differences, hearing loss, or vision impairment can make daily life more demanding. Moreover, pursuing higher education may present additional difficulties for individuals with disabilities. Fortunately, students in such situations have various support options to explore, which can aid them in navigating college life and managing associated expenses. Scholarships, specifically designed to assist those with disabilities, can be a valuable resource in this regard. In this article, we will explore the significance and benefits of scholarships for students with disabilities and how they can make a difference in their academic journey.

Rights of Students with Disabilities

Students with disabilities are entitled to several legally protected rights. While some are aware that these rights encompass protections against discrimination in the workplace and access to services during elementary and high school, not everyone realizes that they also extend to college students. Consider these acts.

The Rehabilitation Act of 1973. This is a crucial act that prohibits discrimination based on disability in schools that receive federal funds. This anti-discrimination provision can be found in Section 504, which also grants students the right to create 504 Plans during their elementary and high school years. It’s important to note that if a school accepts federal grants, it is legally obligated to adhere to this rule.

Americans with Disabilities Act. The (ADA) is a significant piece of legislation. Under Title II of the ADA, individuals with disabilities are protected from discrimination by state and local governments, including public colleges and universities. Meanwhile, Title III requires public places, including schools, to provide necessary accommodations for disabled individuals, such as ensuring wheelchair accessibility. It’s worth noting that Title III also extends its protection to private schools that are not subject to Title II.

Does Your Condition Qualify?

Many disabilities may qualify under Section 504 or the ADA. However, not all do. The ADA defines a disability as “as a physical or mental impairment that substantially limits one or more major life activities.” The Rehab Act defines it as “has a physical or mental impairment which substantially limits one or more major life activities.” The act further explains that this can include loss of a body part, neurological conditions, mental and psych disorders, and even endocrine disorders.

So does your disability qualify? Here is a list of disabilities that may be protected by one or both of these laws. It may not be exhaustive, so students may wish to talk to a disability rights advocate to determine if they have protection:

Deafness or hearing loss
Blindness or vision loss
Medical conditions like diabetes, cancer, HIV infection, or epilepsy
Autism
Dyslexia, ADHD and other learning disabilities
Intellectual disabilities
Missing limbs
Multiple sclerosis
Muscular dystrophy
Bipolar disorder, schizophrenia, and other psychological conditions
PTSD
Mobility problems
OCD
Cerebral palsy
Tourette’s Syndrome and other neurological disorders

Telling the School About Your Disability

To receive the necessary support from your school, it’s important to disclose your disability. If you’re seeking financial aid related to your disability, proper documentation may be required. Fortunately, financial assistance is available to those who qualify. Here are some useful tips to help you along the way:

Discuss Your Need with the Admissions Professional

Initiate a conversation with your admissions counselor, informing them about your disability and any accommodations you may require. They can guide you to the appropriate resources within the school.

Submit Medical Documentation

Obtain relevant documents from your doctor that confirm your disability. These documents may be necessary for both the school and any scholarships you apply for.

Submit High School Plans for Services

If you had an Individualized Education Plan (IEP) or Section 504 plan during high school, consider submitting them to the school. While they may not replace proof of disability, they can provide insight into the assistance you may need.

Ask for Help Early

Request assistance and submit the required documents early in your application process. This allows the school sufficient time to evaluate the accommodations you may require and gives you the opportunity to obtain additional documents if necessary.

Distance Learning with a Disability

Distance learning can be highly beneficial for students with special needs as it offers the opportunity to take classes from the comfort of their homes using a computer. This setup allows for breaks and flexibility in scheduling, catering to individual requirements. Moreover, the challenges of physical accommodation on campus or the difficulties of travel with a disability are eliminated.

Despite its advantages, distance learning may pose certain challenges for students with special needs. Some schools may not always be readily equipped to assist online students effectively. Additionally, not all distance learning platforms are designed to be disability-friendly. To address these issues, schools must ensure the use of technology that is compatible with assistive devices, such as readers for visually impaired students or closed captioning for those with hearing impairments. Making distance learning accessible to all students is essential for promoting inclusive education.

Helpful Accessibility Apps

Some apps can help make it easier for students with unique needs to pursue their education. Consider these:

Speak It! This text to speech app lets non-verbal students type words the app speaks for them.
Dragon Anywhere. This app helps students who struggle to write. It translates spoken words into written text.
Talking Calculator. This app turns the phone into a talking calculator, which works great for visually impaired students.
Voice Dream Reader. This tool scans text and reads it to the student, which helps students with reading and vision challenges.
Petralex. This app amplifies sound for hearing impaired individuals.

Federal Disability Benefits That Could Help Pay for College

Students who are recipients of Social Security Disability benefits can continue to receive them even while attending school. However, it’s important to note that SSDI is typically provided to individuals whose disabilities prevent them from working. The Social Security Administration may assess whether a college student who can attend classes is also capable of holding a job. While students who reside with their parents and are enrolled full-time in college may still qualify, others might not meet the eligibility criteria. If you receive SSDI, you have the flexibility to utilize the payment for various expenses, including college-related costs.

The Importance of Financial Aid for Students with Disabilities

Living with a disability can result in increased expenses, as regular doctor’s appointments and the need for assistive devices can add to daily living costs. However, financial aid can provide crucial support for students with disabilities, enabling them to overcome these challenges and pursue their educational aspirations. It’s important to note that financial aid options are available for those who meet the qualifying criteria, offering valuable assistance in managing the financial burden and making education more accessible for students with disabilities.

Getting Help with Your Scholarship and Financial Aid Form

For students seeking assistance with filling out scholarship applications, FAFSA, or other financial aid forms, reaching out to the financial aid office at their school or their high school’s guidance counselor is advisable. These professionals are equipped to offer the necessary support and guidance needed to navigate the application process successfully.

Other Financial Aid Options for Students with Disabilities

Students with disabilities have the opportunity to apply for various types of federal student aid to assist with their higher education expenses. The U.S. Department of Education offers federal student loans and grants that can provide essential support to eligible students. Some of the available options include:

Federal Pell Grants. These are based on financial need and often do not have to be repaid.
Federal Supplemental Educational Opportunity Grant. This grant is open for undergrad students with extreme financial need. It often does not need to be repaid.
Federal Stafford Loans. These are based on financial needs and often do need to be repaid.
Federal PLUS Loans. These are loans made to parents based on the family’s financial needs.
Work-Study Programs. These programs pair students who are U.S. citizens and Permanent Residents with jobs that may help them pay for school.
State Vocational Rehab Services. Many states have a VR office that helps disabled individuals prepare for work. This might include college level training.

Additional Resources

Students with disabilities who need additional help with school or want more info about potential scholarships should contact these groups.

American Association of People with Disabilities. AAPD has a wealth of resources for disabled students. They have advocates who argue for disability rights and support networks for people with disabilities. Students can take part in summer internships.
Easter Seals. Easter seals help adults and students with disabilities find services. They can also assist with getting students properly diagnosed.
The Arc. The Arc serves people and families touched by intellectual and developmental disabilities, including 100 different diagnoses. This advocacy group provides employment programs and education support.
Special Needs Alliance. This network of attorneys provides help for students and adults with a documented disability who need to understand their rights under the law.
Comprehensive Transition Programs. These programs give students with intellectual disabilities help with the entire college process, from admissions to coursework. This is a federally funded program that students apply for through the participating school.
National Center for Learning Disabilities. The NCLD provides help, support, and funding for people living with learning disabilities.

Scholarships for Students with Disabilities

If your disability qualifies for financial aid programs, there are a number of scholarships for students with disabilities to consider to help you pursue your career goals. These scholarship opportunities are a good place to start for financial assistance.

Attention Deficit Disorder

Rise Scholarship Foundation Inc. This scholarship offers a $2,500 scholarship to students with ADHD or ADD who also have one additional learning disability. This scholarship is awarded annually and requires applicants to maintain a 2.5 grade point average.
Anne Ford Scholarship. This scholarship provides an annual award of $2,500 for four years. It is available to eligible high school senior students with ADHD or another documented learning disability. To qualify, students must be enrolled in a full-time, four-year degree program at an accredited school. The application deadline typically falls in the fall.

Autism Spectrum

Avonte Oquendo Memorial Scholarship for Autism. was established in memory of an autistic boy who went missing in 2013. The Perecman Firm, a law firm, initiated this scholarship, offering $5,000 annually to autistic individuals or family members of someone with autism. The application deadline is July 31.
Kelly Law Team Autism Scholarship. Open to all individuals with autism, offering two $1,000 awards from the firm. To apply, candidates need to submit an essay detailing how they would utilize the scholarship. The selection process involves online voting, and the essay with the most votes receives the award. The deadline for essay submissions is December 20.
Making a Difference for Autism. This scholarship is available for both high school and college students with autism. This $500 scholarship is awarded multiple times throughout the year, and students have the opportunity to apply more than once. The application deadline is in April.
Organization for Autism Research. This offers a $3,000 award for students on the autism spectrum who are enrolled as full-time students. The next application cycle is set to open in December 2023.
Dan Archwamety Scholarship. This offers a $3,000 award for students on the autism spectrum who are enrolled as full-time students. The next application cycle is set to open in December 2023.

General Disabilities

INCIGHT Scholarship. The INCIGHT College Scholarship is available to eligible students in WA, OR, or CA who have any ADA, IDEA, or DSM-V defined or protected disability. To retain the scholarship, students must complete 30 hours of community service.
AAHD Frederick J. Krause Scholarship on Health and Disability. This is designed for students with disabilities who are pursuing a full-time undergraduate program or a full or part-time graduate degree. Applicants must be at least college sophomores at the time of application, and the scholarship award is $1,000.
AbbVie Immunology Scholarship. This group offers up to $15,000 in financial support to students who are living with inflammatory diseases, such as Crohn’s disease. The application period for this program will begin on October 24, 2023.
Student Award Program of the Foundation for Science and Disability. This award of $1,000 is given to fourth year undergrad students or graduate students. Students must be studying STEM or computer science and must have a disability to apply.
John Lepping Memorial Scholarship. This scholarship is specifically intended for students with disabilities. To apply, students need to submit an essay describing their disability and how it has financially impacted their family. Eligibility is limited to residents of New York, New Jersey, or Pennsylvania. The award amount can be up to $5,000.
BMO Capital Markets Lime Connect Equity Scholarship. This scholarship offers a $10,000 education award and is merit-based, available to students with any type of disability. To qualify, students should be enrolled in four-year degree programs related to computer science, business, or a STEM field.

Hearing Impairment

Anders Tjellstrom Scholarship. This award of $2,000 per year is open to students with Baha System implants. A GPA 3.0 GPA (unweighted) or above is required.
Graeme Clark Scholarship. Students with cochlear nucleus implants can apply for this $2,000 award.
Linda Cowden Memorial Scholarship. This one time $1,000 award is for deaf or hard of hearing students. They must be preparing to work in the hard of hearing community and live in middle TN.
Sertoma’s Scholarship for the Hard of Hearing or Deaf. This is one of the top awards for hearing impaired students. To be eligible, students must have a minimum of 40dB bilateral hearing loss and be enrolled in a full-time bachelor’s degree program. The scholarship offers a generous $1,000 award.

Learning and Cognitive Disabilities

P. Buckley Moss Foundation for Children’s Education. This award is for students with language related learning disabilities who wish to pursue college education in the arts. The $1,000 award is based on financial need.
Guthrie Koch Scholarship. This award is for students who have PKU and control it with a low protein diet. It is open to undergrad students.
Allegra Ford Thomas Scholarship. This scholarship fund awards $2,500 a year for two years to students attending community college with a learning disability. The deadline is in the fall.

Physical Disabilities

1800wheelchair.com Scholarship. This $500 award goes to students who use wheelchairs or power chairs for mobility. The student must apply by May 30. No specific disability is required.
Disabled Student Scholarship. This $500 award is offered to any student who has a debilitating condition and wishes to pursue education. A physician’s statement of the diagnosis is needed to apply.
Karman Healthcare Mobility Disability Scholarship. Students who use mobility devices due to their disability can apply for this award. They must write an essay and apply by Sept. 1. A GPA of 2.0 or higher is needed. The award is $500.

Tourette’s Syndrome

Dollars 4 Tic Scholars. This program through the Kelsey D. Diamantis TS Scholarship Family Foundation awards at least one $1,000 award every year to a student with Tourette’s Syndrome. The program has two application deadlines each year, one in the fall and one in the spring.
Kenny’s Dream Foundation. This scholarship provides up to $1,500 for college expenses for students with TS. Applicants must have a doctor’s diagnosis of the disorder.

Vision Loss and Blindness

Fred Scheigert Scholarship Program. The Fred Scheigert Scholarship Program awards $3,000 to three students with visual impairments. Students can apply between Jan. 1 and March 15. This is a highly competitive award and requires a phone interview.
American Foundation for the Blind. AFB offers multiple scholarships for legally blind students ranging from $2,000 to $7,500.
National Federation of the Blind. This group has merit scholarships for blind students ranging from $3,000 to $12,000.
Lighthouse Guild. The Lighthouse Guild awards 17 students with blindness or low vision up to $10,000 to use for undergrad or graduate training. The award is based on academic merit.
American Council of the Blind Scholarship. ACB offers a scholarship program that awards between $2,000 to $7,500 for students who are legally blind. They must maintain a 3.0 average and be a full time student.

Schools for Students with Disabilities

While schools are required under the ADA to be accessible for people with disabilities, not all are as disability friendly as others. These are some schools to consider based on disability.

Attention Deficit Disorder

ADD/ADHD requires special tutoring and services, which can be found at these schools:

Southern Illinois University Carbondale

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A robust disability services program makes SIU Carbondale perfect for students with ADD and ADHD. It has a robust list of majors, including bachelor’s, masters, and PhD degrees. Degree programs include:

Agriculture Ed (BS)
Mechanical Engineering (BS)
Business Admin (BS)
El Ed (BS)

School Details:

HLC Accredited

Disability Programs

Student Disability Services
Achieve Program

Autism Spectrum

These schools embrace neuro diversity:

Drexel University

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Drexel University offers a wide range of social skills services to students with autism. Its Disability Resources department strives to help disabled students have a positive college experience. The school has over 120 graduate degree and certificate programs and 80 undergrad degrees. Programs include:

Health Sciences (BS)
Business Admin (BS)
Computer Science (BS)
Info Systems (BS)

School Details:

MSCHE Accredited
Online Degree Programs: BS, MS

Disability Programs

Office of Equality and Diversity

Daemen College

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Daemen College has a disability support service specifically for autistic students. This small, suburban school has a strong focus on the healthcare field. It has multiple majors, including these:

Visual and Performing Arts (BA)
Business Admin (BS)
Social Work (BA)
Health Promotion (BS)

School Details:

MSCHE Accredited

Disability Programs

Disability Services
The Learning Center
College Autism Transition Support

General Disabilities

The disability support at these schools aims to help students with varied disabilities:

University of Arizona

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University of Arizona may be a great option for disabled students. It has over 250 undergrad programs as well as master’s and PhD level programs. Some of the degree programs include:

Bio Chem (BS)
Engineering Management (BS)
Accounting (BS)
Business Admin (BS)

School Details:

HLC Accredited

Disability Programs

SALT Center

Hearing Impairment

Students who struggle to hear may find these schools accommodate them well:

Gallaudet University

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Gallaudet University has specific programs for students with hearing impairment, with all courses taught in both spoken English and signed English. It is the only university that targets deaf students specifically. Other disabilities are also accommodated, and hearing students are welcome. Degree programs include:

American Sign Language (BA)
Education (BA)
Psychology (BA)
Theatre Arts (BA)

School Details:

MSCHE Accredited
Online Degree Programs: BA, BS, MS

Disability Programs

Midwest Institute

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Admission Requirements:

High school or GED considered but not required

Admission Rate: 100%
Grad Rate: 90%
Average Annual Cost: $16,645
Median Salary After Completing: $16,700 to $29,119

Popular Programs

Dental Assistant
Medical Assisting
Massage Therapy
HVAC

Learning and Cognitive Disabilities

Learning differences require additional support at school, and these schools have risen to the challenge:

University of Iowa

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Students with learning disabilities may achieve a Big Ten college experience through the University of Iowa. This school has a disability program for cognitive disabilities that focuses on career training. Undergrad degree programs include:

Civil Engineering (BSE)
Public Health (BA)
Secondary Ed (BS)
Sports Studies (BA)

School Details:

HLC Accredited
Online Degree Programs: MS

Disability Programs

UI Reach

Physical Disabilities

Navigating a campus with a physical disability is challenging, but these schools strive to make it easier:

University of California Berkeley

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UC Berkeley has recently performed campus improvements to make its campus more wheelchair friendly. This means students with physical disabilities can get around campus easily. This school has over 350 degree programs across 184 departments. It holds the distinction of 31 alumni who earned Nobel Prizes. This school has many undergrad degree programs, like:

Social Welfare (BA)
Environmental Science (BS)
Business Admin (BS)
Bio Engineering (BS)

School Details:

WASC Accredited
Online Degree Programs: Certificates

Disability Programs

Tourette’s Syndrome

Though there are no specific programs for students with this condition at any colleges, students with Tourette’s Syndrome could find excellent support at:

West Virginia Wesleyan College

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West Virginia Wesleyan has 56 undergrad majors for students to consider. It also has four master’s programs and a Doctor of Nursing Practice option. Many programs to assist students with special needs as well as Mentor Advantage Program tutoring services could help students with TS get off to a good start. Degrees include:

Exercise Science (BS)
Business Administration (BS)
Physics (BA)
El Ed (BS)

School Details:

HLC Accredited
Online Degree Programs: BS, BA

Disability Programs

The Learning Center
Mentor Advantage Program

Vision Loss and Blindness

These schools offer good accessibility for students with vision loss and blindness:

Missouri State University

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Missouri State University has 102 bachelor’s programs, 61 master’s programs, and 7 doctoral programs. Its Disability Resource Center keeps visually impaired students well informed about things that affect their navigation of campus. Undergrad programs at this school include:

Business Analysis (BS)
Administrative Management (BS)
Social Work (BSW)
Elementary Education (BS)

School Details:

Online Degree Programs: Doctoral, MS, BS
HLC Accredited

Disability Programs

TRIO Student Support Services
Disability Resource Center

University of Connecticut

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UConn has a large campus with a small student to faculty ratio. The Center for Students with Disabilities helps modify the campus when needed for students with visual impairments. The school regularly has over 1,000 students with this disability. It has 14 schools and over 100 undergrad majors, including:

Psychology (BS)
Economics (BS)
Communication (BA)
Biology (BS)

School Details:

NECHE accreditation
Online degree programs: MS

Disability Programs

Center for Students with Disabilities

Can You Get into College with a GED? Here’s What You Need to Know

Posted on October 7, 2020January 27, 2025 by venessa Regali

Table of Contents

CAN YOU GO TO COLLEGE WITH A GED?

Is it possible to get into college with a GED? Absolutely! Many colleges and universities accept students with a GED. Despite the misconception that a traditional high school diploma is the only path to college, having a GED opens doors to higher education. Of course, you’ll need to meet the other admissions requirements of the college you’re interested in attending. Additionally, you may also be interested in trade schools that don’t require a high school diploma or GED.

Does a GED Affect College Acceptance?

The impact of earning a GED instead of a high school diploma on college acceptance can vary depending on the college you are applying to. The GED is generally recognized as a high school equivalency, but what truly matters is meeting the specific admissions requirements of the school and making yourself stand out as an exceptional applicant.

Nonetheless, your GED score can indeed play a role in the acceptance process. Scoring a passing grade of 145 on each test subject is essential. However, if you score between 165 and 174, you are considered “GED® College Ready,” which indicates that you possess the necessary skills to excel in college. Furthermore, scoring between 175 and 200 is classified as “GED® College Ready + Credit,” suggesting that you likely already have a grasp of some of the skills taught in college courses. As a result, you may be eligible to receive college credit for your prior knowledge and abilities. It’s important to note that having a higher GED score doesn’t guarantee college acceptance, but it can certainly be a positive factor in the evaluation process.

What if You Have a Low GED Score?

If you have a low GED score, you could test again to try for a higher score. If you didn’t pass a subject test, you get two retests. If you fail the third test (and beyond), you have to wait 60 days before trying again. Your state may have other rules, too. Even if you passed all your subject tests, you are allowed to retake them to improve your score. GED prep courses or practice tests could potentially help you boost your score.

Are College Admission Requirements Different With a GED?

Often, applying with a GED does not have different admissions requirements. Except the GED itself, of course. You will have to submit your scores along with your high school or prior college transcripts. Some schools may only accept GED applicants who took the GED in the same state as the college.

Your school may also require or suggest that you take extra steps to prove you are college ready. Like, earning a certain number of credits at your local community college to show you can do college coursework. You may need to submit standardized test scores, like the SAT or ACT – even if that’s not required for all students. Always check with your prospective college about the admissions process for applying with a GED.

Am I Eligible for Financial Aid if I Have a GED?

You may apply for federal financial aid with a GED. That doesn’t guarantee you will get financial aid. You must meet other eligibility requirements, too. Financial aid may be available to those who qualify. But, a GED is considered acceptable proof that you are qualified to pursue federal aid for college. Or career school.

Wondering about your school’s financial aid programs? Check with them, directly.

Finally, you may be able to apply for scholarships for students who have a GED. There are plenty of scholarship programs out there. Some may be designed to help students who took nontraditional paths.

What is Ability to Benefit?

Ability to Benefit is another way of showing you qualify to pursue higher education. Like a college degree or career school. Even if you don’t have a high school diploma or GED. This is for the purpose of applying for federal aid. This may apply to you if:

You were enrolled in college or career school before July 1, 2012 or
You are now enrolled in an eligible career pathway program

Your college could give you an approved ability-to-benefit test. This may help show you could benefit from education at that school. Or, you could earn six credit hours or the equivalent toward a degree or certificate. You may not get aid while earning those six credits. But, it’s another way to help prove you qualify to pursue higher ed and federal financial aid.

What Type of Colleges Accept GEDs?

Any type of college may accept GEDs, including:

Community Colleges, Junior Colleges, Technical Colleges. These colleges may admit a wide range of students – even those without a GED or diploma. Attending one of these institutions could be a potential way to earn an Associate’s degree or other credential. Or, transfer credits toward a four-year school.
Four-year College or University. These could be private or public, and they come in all different shapes and sizes. From large state universities to small, private colleges. When applying, check with the admissions office to see what’s needed from applicants with a GED credential. Like, a certain number of transfer credits.
Online Colleges. You are not just limited to traditional colleges. Online schools may accept GED applicants. Some offer adult education programs aimed at nontraditional students. Look for accredited online colleges and universities.

Online Colleges that Accept GEDs

1 Pennsylvania State University – World Campus
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World Campus is the online branch of Penn State. Started in 1998, it strives to offer accessible distance learning. Courses are the same as those offered on campus. Choose from career focused Associate’s, Bachelor’s degree, and graduate programs.

Have a GED? You’re welcome to apply. Applicants must send transcripts of their GED results. They also need to report all coursework taken in high school. World Campus also offers programs for returning students and adult learners. And, others with a nontraditional academic background.

Admission requirements (for GED applicants) include

GED transcripts
High school record
SAT or ACT scores

2 Southern New Hampshire University
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SNHU is a private, nonprofit, accredited school. It has a campus in Manchester, NH that serves 3,000 students. But, most learners study online – over 135,000 of them! Choose from over 200 programs in everything from education to STEM subjects.

You may apply to SNHU with a GED. For online programs, the application process is pretty simple. You’ll need to do an online college application. And, talk to an admissions counselor. They’ll walk you through next steps.

Admission requirements (for GED applicants) include

GED
Letters of recommendation
College prep courses

3 Liberty University
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Liberty is an evangelical Christian liberal arts institution. Along with its Lynchburg, VA campus, it is known for its online programs. Liberty offers 700+ programs, include certificate programs, undergrad, and grad programs. Over 450 of these may be earned online.

Besides traditional high school graduates, those with a GED are welcome to apply. To apply to any of Liberty’s online programs, you must submit an online High School and GED self certification form. Other requirements may depend on the program you’re interested in.

Admission requirements (for GED applicants) include

GED transcripts
High school record

4 University of Massachusetts – Amherst
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UMassOnline is the online version of this well known state university. Along with the five physical UMass campuses, online learning offers another way to earn your degree. In fact, distance learning has been available at the University of Massachusetts for over 25 years!

Any student with a high school diploma or GED may register for courses. But, this is not the same as program acceptance. You must apply through the campus that sponsors the online program you are interested in. Like, Amherst. Follow admissions requirements for that campus.

Admission requirements (for GED applicants) include

GED transcripts
High school record
Recommendations

5 Grand Canyon University
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GCU is a private university in Phoenix, AZ. It offers campus based and online learning. Pursue online degrees in education, business, liberal arts, or nursing and health sciences. Online degree programs are offered at the Bachelor’s, Master’s and doctoral degree levels.

GED applicants are welcome. There are min score requirements, though. If you took the 2014 or later series, you need a cumulative score of 680 or above. If you took the 2002-2013 Series, you need to score 3000 or above. And for the 2002 Series and prior, 258 or above.

Admission requirements (for GED applicants) include

Minimum cumulative GED score
High school record

6 Purdue University Global
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Purdue Global is a public, online university, part of the Purdue University System. It’s designed for working adult students. Students may try their online courses for three weeks, without risk. Many start dates throughout the year and flexible course scheduling may make this school the perfect match.

Purdue Global has an open admissions policy. It admits undergrad students with either a high school or GED diploma. But you must meet the school’s academic standards during your 3 week trial period. Some of the programs may have other admissions rules.

Admission requirements (for GED applicants) include

Proof of GED

7 New York University
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NYU is a large, private university with locations in New York City and around the world. It is known for its innovative research and diversity. NYU is home to select online degree programs. Plus, you can take online courses as part of a traditional degree program.

The GED (General Equivalency Diploma) is accepted as proof of high school graduation. Homeschooled students who do not have a homeschool diploma or other proof of graduation can also take the GED.

Admission requirements (for GED applicants) include

GED
Transcripts
Recommendations
Formal demonstration of competencies

8 CSU Global
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CSU Global is part of the Colorado State University System. It’s an accredited, nonprofit state school. And, it offers fully online degree programs. Choose from career focused fields. Like, Business, Criminal Justice, and Finance.

You are welcome to apply with a GED. CSU has other unique rules that not all schools have. For instance, first-year applicants may need to apply with two years of work experience, min. Students over 23 years old, or those who have at least 24 prior college credits, may not need the work experience.

Admission requirements (for GED applicants) include

GED
High school record

9 University of Arizona
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UAGC is a private, for-profit college. It offers distance education to help busy adults pursue their goals. Associate’s, Bachelor’s, and graduate programs are offered. Choose from subjects ranging from Business to Liberal Arts.

At UAGC, your GED counts as proof of high school graduation. UAGC has an open admissions policy. But to be fully admitted, you must meet certain requirements in your initial coursework. That includes earning a grade of C- or better by Day 6 of Week 3 in your first course.

Admission requirements (for GED applicants) include

10 Columbia Southern University
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CSU is an online university in Orange Beach, Alabama. It awards undergraduate and graduate degrees, plus certificates. Columbia Southern is known for programs in areas like occupational safety and health, fire administration, and much more. It is accredited by the Distance Education Accrediting Commission.

For admission, you must have a high school equivalency – that includes the GED. Columbia Southern has an open admissions policy. But you will need to prove yourself in your initial courses. Undergrads must earn 12 credits. And, meet qualitative and quantitative criteria. At that point, they may be fully admitted.

Admission requirements (for GED applicants) include

11 Colorado Technical University
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Colorado Technical University is a career focused school offering programs with a tech emphasis. Though, you’ll also find programs in Nursing, Criminal Justice, and more. CTU has campus locations in Colorado, plus online programs.

At CTU, the GED meets the high school graduation requirement. Beyond that, the school has an open admissions policy. So, there aren’t set requirements besides documentation of your GED. Contact an admissions advisor to learn more.

Admission requirements (for GED applicants) include

12 National University
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National University is a private, nonprofit institution. It’s based in San Diego, CA, but also offers online programs. Choose from over 75 degree programs at various levels. You can even focus on one subject at a time, in accelerated, 4-week classes.

Admission requirements (for GED applicants) include

GED transcripts
Formal demonstration of competencies (may be optional)
SAT or ACT scores (optional)

13 Thomas Edison State University
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Thomas Edison State University is a 4-year public school. It is based in Trenton, New Jersey. The school focuses on adult learners. Many students pursue their degrees online. But, you can also visit the historic campus to meet with your advisor, take a proctored exam, or just explore.

This school has an open admissions policy. You are welcome to apply with a GED. But, you must be at least 20 years old. If you are a member of the military, you can be 18 or older. And it is possible to apply for exceptions to this rule.

Admission requirements (for GED applicants) include

14 University Of Maryland Global Campus
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UMGC is an online state university. Part of the University System of Maryland, it strives to serve working adults and military service members. Choose from over 90 degree programs and paths. In almost every course, digital course materials are included at no extra cost.

This school has an open admissions policy. You can apply to UMGC with a passing GED score. Or, another high school equivalent. And, students who have earned 60 college credits or an Associate’s degree can apply without a GED.

Admission requirements (for GED applicants) include

Trade Schools That Don’t Require a High School Diploma or GED

Posted on May 14, 2020December 11, 2024 by venessa Regali

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Vocational institutions offer a promising avenue for various student profiles. Those inclined towards hands-on work will appreciate the skill-focused training inherent to trade schools. Individuals aspiring to pursue careers in skilled trades will value the pragmatic approach of such education. The positive aspect is that numerous trade schools have inclusive admission policies, not mandating a high school diploma or GED as prerequisites. This opens up access to a diverse range of students. Even if you didn’t complete high school, meaningful career opportunities are still within your reach through trade professions. These vacations not only offer financial rewards but also a sense of accomplishment. Additionally, you may be interested in colleges that do not required GEDs or High school diplomas.

Can You Go to Trade School Without a GED or High School Diploma?

Trade schools provide an alternative educational path compared to traditional four-year colleges and universities. While a considerable number of these institutions do stipulate a high school diploma or GED as prerequisites, there are avenues available for students who lack these credentials. Certain trade schools do admit students even if they haven’t obtained a high school diploma or GED.

If I Don’t Have a GED or High School Diploma, What are the Admission Requirements?

Admission requirements for trade schools are very different than at colleges. Trade schools are primarily concerned with their students having the skills needed for their desired trade. While some schools require students to have a GED or high school diploma, others do not. Typically, trade schools that don’t require high school diploma or GED often have different admission requirements. These can include:

A copy of high school transcripts
Certifications from skills-based training programs
Ability to pass a proficiency exam
A personal statement

What are My Options If I Don’t Have a GED or High School Diploma?

There are options for students who do not have a high school diploma or GED. It is important to research trade schools that don’t require high school diploma or GED. You may find that there are several schools located nearby that will accept you. If you cannot find any options on your own, you may want to contact the local high school. Often, the guidance counselors at the high school could provide you with more information. They could tell you more about trade schools in the area. They may also provide you with information about their admission requirements.

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In some cases, it may help to get letters of recommendation. These letters could provide personal proof of your commitment. A letter from a former teacher, colleague or employer can go a long way. These letters could offer more information about your background. They might explain why you are a good fit for the trade school you are applying to.

Am I Eligible for Financial Aid if I Don’t Have a GED or High School Diploma?

Trade schools may offer financial aid for students. Many students are able to obtain financial aid through federal student loans. However, federal student loans are only available to those who have a GED or high school diploma. Financial aid may be available to those who qualify.

If you do not have a high school diploma or GED, you may not be eligible to receive financial aid from the federal government. But, you may have options available to you. You could contact local community organizations and non-profits to find out if they have scholarship opportunities. Some of these opportunities may be available to students without a high school diploma or GED. It may take a lot of research. However, the result is worth it. Financial aid could help make it easier for you to enroll at a trade school.

What is Ability to Benefit?

According to the U.S. Department of Education, Ability to Benefit is a law that allows students without a high school diploma or GED to qualify for some financial aid. Students who qualify for Ability to Benefit may be eligible to receive Title IV funding.

Ability to Benefit is beneficial for students who do not have a high school diploma or GED. A student who had to leave school early to help provide for their family could now receive assistance to pursue their career. A student who struggled with academic work but excelled with hands-on learning can now go to trade school. Ability to Benefit could help students get the assistance they need to pursue a trade.

What Kind of Trade Schools Do Not Require a GED or High School Diploma?

There are several types of trade schools that may not require a high school diploma or GED. These types of trade schools include:

Community Colleges — Many community colleges offer trade school programs. Students can attend a community college, yet pursue a trade. There are several community colleges across the country that do not require a high school diploma or GED. Community colleges may offer a variety of trade school programs. These programs may include culinary, electrical, plumbing or others.

Beauty Schools — Some beauty schools do not require students to have a high school diploma or GED. Beauty schools prepare students to pursue a career in cosmetology. These hands-on learning programs allow students to learn the art and science of styling hair. They also may have makeup application programs.

Massage Schools — There are massage therapy schools that do not require students to have a high school diploma or GED. At a massage therapy school, students learn how to apply massage techniques. They may work in a salon, or in a clinical setting. Massage therapy schools offer hands-on lessons as well as online learning opportunities.

Nursing Assistant Schools — Anyone who wants to work in the medical field but does not have a high school diploma or GED could apply to a nursing assistant school. These trade schools train students to become certified nursing assistants, or CNAs. CNAs help nurses perform critical tasks throughout the day. They could work directly with patients. It is a great option for students who are passionate about medicine.

While some trade schools do not require students to have a high school diploma or GED, you should keep in mind state licensing requirements. You may need to earn a GED to apply for a state license. This is why many trade schools offer GED programs as well. You should research the licensing requirements in your state. This will help you select the best trade school for you.

Trade Schools that Don’t Require a GED or High School Diploma

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Learn online, at a pace that is right for you in the convenience of your own home
Affordable tuition with customized payment plans are available to fit your current needs

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Students who do not have a high school diploma or GED have many options available. Even without a high school diploma or GED, students can apply to select schools. They can pursue an education. They could work toward a career. This is often the first step in building a new life for themselves.

For many students who do not have a high school diploma or GED, academics are difficult. They may struggle with traditional schooling. They may not have felt like they fit into a typical classroom. These students often benefit from trade programs. Fortunately, there are many technical schools that do not require a high school diploma or GED. Students who do not have a high school diploma or GED should begin researching schools in their area that will consider them. The admission requirements may vary based on the school. Students should use personal statements and essays to provide more information about their background. They can use this part of the application to share their story. These stories can provide compelling evidence. They can help prove that students are committed to succeeding. They can show that they are willing to take on a challenge. They can offer insight into why the student wants to pursue a trade as a career.

Trade schools may be a great option for all types of students. Many people who enjoy hands on work will like working in a trade. From working in a beauty salon to welding in a shop, there are options for every type of person.

Anyone who does not have a high school diploma or GED should know more about their options. There are trade schools that may accept students without a high school diploma or GED. For more information about trade schools and their admission requirements, contact us today. We look forward to helping you find the perfect fit for you.

Academic Probation Transfer

Posted on May 11, 2020January 27, 2025 by venessa Regali

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What is Academic Probation?

Academic probation functions as a warning signal that your academic performance falls beneath the established standards for satisfactory academic standing at your institution. Typically, colleges gauge academic progress based on factors like GPA and the accumulation of earned credits. Falling short of these benchmarks could lead to your placement on academic probation. It’s important to note that there might be a possibility of transferring schools even while on academic probation. As a general guideline, possessing a cumulative GPA of less than 2.0 renders you subject to this academic probationary status. However, even a lower term GPA (ranging from 1.5 to 1.99) might trigger this status as well.

During the span of your academic probation, you are granted the opportunity to enhance your performance and regain your academic trajectory. Failing to do so could potentially result in serious ramifications, such as dismissal from your academic program or the loss of financial aid. While on academic probation, it’s probable that you will be expected to:

Pass a certain number of credits
Earn an acceptable grade point average (GPA) which each college sets
Meet with your academic advisors

Can I Transfer While on Academic Probation?

The possibility of transferring while under academic probation does exist. However, the feasibility of this option hinges on the specific evaluation criteria set by each individual college. When you embark on the process of applying for a transfer during your academic probationary period, certain applications might inquire about your current academic standing. Responding with a “no” allows you the opportunity to elucidate the circumstances surrounding your probation.

In this context, you can elucidate your individual circumstances and challenges. This approach enables you to offer a well-rounded view of yourself beyond a mere “C” grade. Within colleges that operate with open admissions policies, this narrative could suffice. Such institutions might be inclined to extend acceptance irrespective of a lower GPA. Conversely, selective colleges may adopt a different stance.

How Do Students End Up on Academic Probation?

A range of internal and external factors could lead to academic probation and academic probation transfer. Internal factors are things like anxiety over test taking. And external factors are ones you can’t control. These are a ten more common causes of academic probation.

1. Entering college with a lack of skills

Research conducted by UC Berkeley unveiled that students who engaged in numerous AP courses during high school were 3 – 5% more likely to maintain good academic standing compared to those who did not.

2. Not showing up to class

Frequent class absences can impede your GPA and overall standing. Some institutions enforce automatic fail or grade deduction protocols for excessive absenteeism.

3. Overwhelming Course Load

Students occasionally enroll in an excessive number of courses without realizing the complexities of managing the workload. The freshman year, marked by shifts in sleeping, eating, and studying routines, may further exacerbate this challenge.

4. It’s tough to time manage

Even if you enroll in a seemingly balanced credit load, if the classes necessitate extensive reading, writing, or prolonged lab sessions, it might lead to overload. Consulting with an academic advisor can facilitate the creation of a more manageable schedule.

5. Too many pass / fail grades

An excessive reliance on pass/fail grades instead of letter grades might adversely influence your academic standing.

6. Poor study habits

Many students attempt studying techniques that are ill-suited to their individual learning styles. According to UC Berkeley, 82% of students on first-year probation cited poor study habits as impediments to success.

7. Mental health and illness

An equivalent 82% of students on probation reported feelings of stress, depression, or distress. Furthermore, health problems, family crises, and other personal issues can trigger a chain reaction impacting academic performance.

8. Completing too few credits

Dropping a substantial number of courses might contribute to a GPA decline. Knowing the required credits for each term can be advantageous in preventing this scenario.

9. Too much partying

Late nights, hangovers, and heightened social activities can exert a toll on both physical well-being and academic grades. Noise-related roommate conflicts may further exacerbate this impact.

10. Lack of interest

While some classes captivate your attention, others might fail to ignite enthusiasm. Maintaining effort levels can prove challenging when your engagement is lacking, particularly in core courses or those relevant to your major.

How to Get Off Academic Probation

Often, an academic probation warning spells out your next steps. These steps may differ between schools and students but are likely to refer to GPA policies. Schools may have two GPA policies for students on academic probation. These are:

Overall GPA policy

A common GPA to meet is 2.0 on a 4.0 scale. This means that your cumulative GPA from all terms at that one college must be at least 2.0 by the end of each semester or quarter. Bringing your grades up to this level may take you off academic probation.

Term GPA policy

Term GPA s the cumulative grade received at the end of a given academic term. You may have to make progress towards this goal while also meeting the overall GPA asks. If you do, it may show the school enough effort on your part that they extend your probation period. Another thing to keep track of is a probation timeline. This varies too and some online colleges (Walden is one) won’t let you progress if you don’t pass the first course in your curriculum.

Tips to Improve Academic Performance

Once on academic probation, there are a few things that may help improve your grades.

Get some advice. Meet with advisors and faculty and ask for guidance.
Stop skipping class. Go to class.
Speak up. Take part in a discussion, ask a question.
Get a study buddy. Or join a study group to keep you accountable.
Look for a tutor. Many colleges have tutoring centers to help you grasp key concepts.
Block off time. Set time aside in a more official way to help you balance study with free time fun.
Retake a course. If you can raise your GPA by retaking a course, this may be an option.
Complete a course. Incomplete grades may equal failing grades so make sure you work with your professor to finish what you started.

How to Stay Off Academic Probation

Once you are off academic probation, celebrate your success and keep it going.

Use a planner. There are apps or paper planners where you can keep track of due dates, exams etc.
Tap into help networks. Colleges may have health centers, tutors, advisors and resources that you can turn to for help.
Touch base with teachers. Many teachers keep office hours, or you may reach them by email to answer questions and concerns.
Book routine advising sessions. Keep a handle on your schedule, issues, goals and workflow through regular advising sessions.

How Can Academic Probation Affect Financial Aid?

Many forms of aid including scholarships require students to be in good academic standing. Since academic probation is a warning that grades are falling, it does risk loss of financial aid. The Pell Grant is one example. It is money you typically do not repay to the federal gov’t.

Unless you fail to meet conditions. Like you withdraw early from the program for which you got the grant. Or, you change your enrollment status. Also, you cannot renew a Pell Grant id you do not make “satisfactory academic progress.” Given, each school may define progress differently.

To stay eligible or become re eligible for financial aid after academic probation you are likely to have to:

Meet and keep up the acceptable GPA stated by your college (such as 2.0)
Move towards graduation by taking a specified number of credits per year or term
Avoid incomplete (“I”) grades and withdrawals

FAQs on Academic Probation

What should I do now?

Make certain you comprehend the terms stipulated in your academic standing notification and concentrate on enhancing your performance in the forthcoming quarter.

What GPA will get me into academic probation, and what GPA do I need to get out?

Attaining a GPA ranging from 1.5 to 1.99, when the minimum required is 2.0, might place you on academic probation. Consequently, depending on your current standing, you may need to elevate it to 2.0 or above. Certain institutions, such as UC Santa Cruz, provide a GPA Calculator tool on the student portal, aiding in determining the precise grades required for improvement.

Does a W affect academic probation?

The ‘W’ symbolizes withdrawal from a course, indicating no grade or credits awarded. Consequently, it might not impact your GPA. However, there might be institutional regulations regarding the maximum number of withdrawals permitted for a student.

How long does it take to get out of academic probation?

The Registrar’s Office at your college may set a specific timeframe, such as one semester or two semesters, as a stipulated period for emerging from academic probation.

What happens if my GPA doesn’t improve when I’m on academic probation?

In certain institutions, failure to enhance your GPA while on academic probation could result in suspension or even dismissal. It might also impede progress within your chosen major.

Can I take summer classes to improve my academic standing?

Generally, yes, and this could be a viable strategy. However, it’s advisable to consult your academic advisor and acquaint yourself with college policies prior to making this decision.

What is a second academic probation?

Typically, it implies that your GPA has remained below 2.0 for two consecutive semesters.

Is it possible to graduate while on Academic Probation?

The likelihood of graduating while on academic probation is exceedingly slim. For instance, institutions like the American Military University (AMU) explicitly state that this scenario is not possible.

What is the College Score Card?

Posted on May 6, 2020January 23, 2025 by venessa Regali

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What is the College Score Card?

The College Scorecard is an online tool established by the US Department of Education. It serves as an extensive database that allows you to delve into colleges’ inner workings. From the programs they provide to their student demographics, costs, admissions information, outcomes, and beyond.

Strengths and Weaknesses of the Data on College Score Card

An advantage of the college scorecard lies in its ability to bring higher education data into the open. This increased transparency can prove to be beneficial if utilized judiciously. Generally, the tool offers a broad perspective on cost comparisons. However, experts caution against relying on it to accurately forecast your individual college expenses.

This is primarily due to the fact that the costs provided are net costs, not the advertised price visible on a college’s website. The net price represents the school’s average annual expenses, encompassing factors such as tuition, living expenses, books, and fees. This net price is then adjusted by subtracting the average grants and scholarships awarded to recipients of federal financial aid.

One drawback of the tool is its data limitations. Often, the metrics rely on information reported by schools, which might not be comprehensive or entirely accurate, as stated in disclaimers by the US Department of Education.

So, what can you gather from this? The college scorecard could serve as a valuable starting point. It could aid in refining your college choices for more in-depth investigation. Another valuable resource is the College Navigator, a tool provided by the National Center for Education Statistics, which could address additional queries you might have about a specific college.

How to Navigate the College Score Card Data

Navigating the college scorecard is akin to handling an actual card, embellished with icons and numeric insights. The interface incorporates a user-friendly search bar and provides direct access to a variety of resources through embedded links. Beyond the search functionality, the lower section of the homepage is dedicated to a range of additional resources. Here, you can uncover details about potential career paths and apprenticeship opportunities. Alternatively, you can opt to delve into comprehensive information about federal financial aid possibilities. Notably, financial aid may be attainable for individuals who meet the specified eligibility criteria.

Here is a walk through on how you might use the college score card data in your college search.

1. Find the college you want to learn about

When using the college scorecard, your first step is to search for the college you’re interested in learning about. This essential information is readily available on the homepage, offering you three distinct search options:

Custom search. his allows you to refine your search by location, field of study, and desired degree type – be it certificate, associate, or bachelor.
Name search. Input the name of the specific school you’re seeking information about.
Show me options. A more personalized route, where you can customize your search based on factors like location, admission rates, graduation rates, and degree type.

If a college has multiple campuses, you can further narrow down your search to compare different locations.

2. How to read each card

Each scorecard comprises four sections: a header, a set of illustrative icons, relevant metrics, and an option to “view more details.” The top header displays the college’s location, followed by the university name and the number of undergraduates. The four icons provide insight into the college’s characteristics, including its duration (two or four years), public or private status, urban or rural setting, and size.

Beneath the icons, you’ll encounter three sets of metrics, each expandable for more in-depth understanding:

Graduation rate. This metric indicates the percentage of students who successfully graduate within eight years of their initial enrollment.
Salary after completing. This data showcases the median annual earnings of former students one year after graduation, specifically those who received federal financial aid.
Average annual cost. The average net price paid by students receiving federal financial aid, which encompasses tuition and living expenses. For public schools, this reflects in-state students’ average cost.

At the end of the card, if you select “view more details”, the card opens up to a new screen.

3. Make sense of the big screen

Upon expanding the scorecard, the screen provides additional features. You can choose to add the school to your comparisons using the “+ compare” button or share it with others. A prompt to “start my FAFSA form” assists with financial aid application initiation. Military benefits for education are also covered. The map displays the school’s location, aiding in gaining a sense of its surroundings.

Some of the other pull downs from the menu delve deeper into data.

Costs. Calculate personal net price and estimate costs for students in your income bracket.
Graduation and retention. Examine the number of returning students after their first year.
Financial aid and debt. Obtain insights into monthly loan payments and post-graduation student debt.
Salary after completing by field of study. Bar graphs depict first-year earnings for various programs.
Fields of study. Fields of study represent programs but may not map in a direct way to actual course catalogs.
Student body. This gives you an idea of the racial and ethnic mix of a college. Also, it shows you how many eligible low income students received federal Pell Grants
Test scores and acceptance. Charts ACT/SAT score ranges for admitted and enrolled students.

4. View more details

For deeper exploration, the “blue i” or “view more details” button provides additional information, each leading to a distinct menu. The “i,” representing ‘information,’ leads to:

Data documentation. College scorecard provides data at two levels. The scorecard provides data at both institutional and field of study levels, with technical details provided here.

Change log. As a rule, the USDE updates the college score card a few times per year. So, on this page, you can check if their data is recent. At last check, their last date stamp was March 30, 2020.

Glossary. Understand the terminology used in the scorecard, clarifying data sources and compilation methods.

2024 Top Bible Colleges

Posted on March 10, 2020January 23, 2025 by venessa Regali

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What is a Bible College?

A Bible college is an institution that provides education in both Bible study and general subjects. The primary focus is often on Christian teachings, ministry, and the Bible itself.

While some of these colleges exclusively offer majors in theology, ministry, or related fields, others provide a broader range of majors such as nursing or education. Nevertheless, all subjects are taught with a biblical worldview, incorporating teachings from the Bible into various aspects of the curriculum. For example, a philosophy course might explore what the Bible says about living a fulfilling life.

While Bible colleges share some similarities with seminaries, which prepare students for careers as priests, ministers, or rabbis, Bible colleges primarily offer undergraduate programs with a Christian emphasis. This preparation can lead students to pursue various paths, including careers in ministry or other fields with a Christian perspective.

History of Bible Colleges

Bible colleges originated during the North America’s Third Great Awakening, a significant period in the late 19th and early 20th centuries marked by Christian missionary and revival movements gaining momentum.

Among the pioneering Bible colleges were Nyack Missionary Training Institute and Moody Bible Institution, both established in the 1880s. These institutions addressed what they perceived as a gap in traditional education—a lack of emphasis on spreading the Christian faith. Early schools focused on equipping students with practical skills to build ministries.

As time passed, some Bible colleges evolved into post-secondary institutions that granted degrees. Today, there are approximately 1,000 of these colleges across North America.

Finding Accredited Bible Colleges

Numerous Bible colleges have obtained regional accreditation, and some have even secured accreditation from esteemed agencies like the Association for Biblical Higher Education (ABHE), which accredits these schools in the United States and Canada. Opting for an accredited institution can instill confidence in the quality of your education.

15 Bible Colleges

Using data from the NCES we have created a list of the top 2024 Bible Colleges in the US. These schools were ranked based on the number of total enrolled students for the 2023 / 2024 school year.

1 Liberty University
Visit Liberty

Liberty U is an evangelical liberal arts school. It is one of the largest bible colleges in the world, serving over 100,000 students. It has 17 colleges and schools, including a school of divinity. Not only does Liberty have a vibrant campus in Lynchburg, Virginia. It is also a leader in distance education, with over 400 online programs.

Undergrad Admissions

Liberty considers factors that include your GPA, high school record, and test scores (SAT, ACT, or CLT). You must also submit answers to essay questions about your faith and beliefs.

Popular Undergrad Programs

Religious Studies, Business, Psychology, Registered Nursing, Criminal Justice

2 California Baptist University
Visit CBU

California Baptist University (CBU) is a private, Christian College in Southern California. CBU was founded by the California Southern Baptist Convention, in 1950. Today, this bible college serves over 11,000 students in Associate’s, Bachelor’s, and grad programs. The Riverside main campus features everything from an aquatic center to a music recording and production space. You can also study at the San Bernardino location or online.

Undergrad Admissions

CBU considers your high school transcripts, GPA, and recommendations. You must also submit SAT or ACT scores. And, you must submit an essay that speaks, in part, to your spiritual reasons for wanting to go to CBU.

Popular Undergrad Programs

Business, Psychology, Registered Nursing, Early Childhood Education and Teaching, Liberal Studies

3 Belmont University
Visit Belmont

Belmont U offers a student centered Christian community, based in Nashville, TN. This private, bible college has often been recognized as a “Most Innovative” school. Belmont offers liberal arts and professional education at the undergrad and grad levels, with a focus on learning and service. It serves over 8,400 students from around the country and the world, in more than 133 programs.

Undergrad Admissions

Belmont needs three main items, besides your application. These include your high school transcripts, your test scores (SAT or ACT), and your a recommendation or school report.

Popular Undergrad Programs

Registered Nursing, Music Management, Music, Recording Arts Technology, Marketing

4 Azusa Pacific University
Visit APU

Azusa Pacific U is an evangelical Christian school, based in Southern California. It was founded in 1899, in the Wesleyan Holiness tradition. Today, APU serves learners with diverse Christian back grounds, while still being able to uphold its roots. Home to a main campus and seven regional locations, the school strives to create a community of disciples and scholars. Choose from over 200 programs, including online learning options.

Undergrad Admissions

Freshmen that apply must meet some minimum requirements. These include a 3.0 high school GPA. You must also submit SAT (minimum score of 990) or ACT (minimum score of 19) results. Other things are taken into account – like how involved you are in church and the community.

Popular Undergrad Programs

Registered Nursing, Psychology, Business, Physical Education Teaching and Coaching, Liberal Studies

5 Colorado Christian University
Visit CCU

Colorado Christian U is proud to be the flagship Christian university in the Rocky Mountains. It serves over 8,000 students and offers over 100 programs for both traditional and adult students – including online programs. CCU is evangelical and relates to more than one religious denomination, with a focus on discipleship and preparing for ministry. The school is regionally accredited by the Higher Learning Commission.

Undergrad Admissions

CCU may ask that you to have at least a 2.8 high school GPA. You must also submit SAT or ACT scores – minimum scores apply. Admission essays are required. And, you must submit a spiritual recommendation. This could be from a pastor, youth pastor, youth worker, or spiritual mentor. It should speak to your Christian faith and spiritual growth.

Popular Undergrad Programs

Registered Nursing, Business, Psychology, Bible Studies, Speech Communication and Rhetoric

6 Harding University
Visit School

Harding U is a Christian school founded in 1924. A leader in Christian missions around the world, Harding counts one third of the missionaries from churches of Christ among its grads. The school has over 100 undergrad majors, 14 pre professional programs, and 21 grad and professional programs. Along with its main campus in Searcy, Arkansas, Harding has many other campuses around the world.

Undergrad Admissions

To apply, you must submit your high school transcripts and SAT, ACT, or CLT scores. And, you must send a reference. This could come from someone like a spiritual advisor.

Popular Undergrad Programs

Elementary Education and Teaching, Bible Studies, Social Work, General Studies, Accounting

7 Lee University
Visit Lee

Lee University is a private, Christ centered school in the mountains of Tennessee. Lee was founded in 1918 and is affiliated with the Church of God in Cleveland, Tennessee. It is conservative, evangelical, and Pentecostal. Students can choose from over 57 undergrad majors. And, Lee is well known for its study abroad options. Choose from over 30 trips in its Global Perspective Program.

Undergrad Admissions

Lee University looks at your high school transcripts and GPA (at least 2.0 on a 4.0 scale). You must also submit SAT (minimum score of 900) or ACT (minimum score of 17) results.

Popular Undergrad Programs

Business, Psychology, Liberal Studies, Pastoral Studies/Counseling, Public Relations

8 Biola University
Visit BU

Founded in 1908, Biola University offers a Christian education in sunny La Mirada, California. Biola is home to over 150 programs at the Bachelor’s, Master’s, and PhD levels. That includes online and distance learning programs offered to students around the world. All programs are centered around the bible. In fact, undergrads take 30 credits of Bible and theology courses, which can lead to a minor in the bible or theology.

Undergrad Admissions

Biola takes a look at a variety of factors. These include your high school records, GPA, and test scores (SAT or ACT). It is also recommended that you graduate from a college prep program. TOEFL scores are also looked at, if that applies to you.

Popular Undergrad Programs

Business, Psychology, Sociology, Registered Nursing, Bible Studies

9 Abilene Christian University
Visit ACU

Abilene Christian University offers a unique, Christ centered education. It’s home to over 70 majors and 135 areas of study. Along with a main campus in Abilene, Texas, ACU offers flexible online programs. Either way you choose to study, you will apply your Christian faith to your academic field. ACU is accredited by the Southern Association of Colleges and Schools Commission on Colleges.

Undergrad Admissions

Applying to ACU is straight forward. Along with an application, you must send your high school transcripts and SAT or ACT scores.

Popular Undergrad Programs

Psychology, Sport and Fitness Administration, Registered Nursing, Marketing, Accounting

10 Ohio Christian University
Visit OCU

Ohio Christian University got its start in 1948, as a Bible college with the goal of wanting to educate clergy. Today, it has stayed true to its values while also being able to expand quite a bit. Choose from undergrad and grad programs, including paths for online and adult learners. Each program strives to offer bible focused and bible integrated Christ centered education in the Wesleyan tradition.

Undergrad Admissions

To apply to OCU, submit your application and your high school transcripts, along with transcripts from any other college courses you may have taken. You must also submit SAT, ACT, or CLT scores.

Popular Undergrad Programs

Divinity/Ministry, Business, Nursing Science, Human Services, Psychology

11 Regent University
Visit Regent University

Regent University was founded in 1978 to offer academic programs from a Christian perspective. Choose from Associate’s, Bachelor’s, and grad degree programs in popular fields, with a biblical focus. Study either online or at the 70 acre campus in Virginia Beach, VA. Regent is accredited by the Southern Association of Colleges and Schools Commission on Colleges.

Undergrad Admissions

Regent asks for your high school transcript and SAT, ACT, or CLT scores. You must also submit a statement that speaks to your faith in God.

Popular Undergrad Programs

Psychology, Business, Speech Communication and Rhetoric, Bible Studies, Lay Ministry, English

12 Dallas Baptist University
Visit DBU

Since 1898, Dallas Baptist U has combined faith and learning to help students serve the world. They offer Christ centered undergrad and grad programs in the arts, sciences, and professional studies. Learning paths are available for both traditional and adult students. And, learners benefit from proximity to Dallas, a vital business and cultural center.

Undergrad Admissions

DBU looks at many factors. These include your high school records, GPA, and ACT or SAT scores. To get started, you must fill out the online application. If you use the Texas Common Application, keep in mind that you will need to complete a supplement, as well.

Popular Undergrad Programs

Business, Elementary Education and Teaching, Finance, Psychology, Music Management

13 Cedarville University
Visit Cedarville

Cedarville University got its start in 1887, when five founders established it in affiliation with the Reformed Presbyterian Church. Today, Cedarville offers over 150 academic programs to choose from, across the liberal arts or the professions. That includes online as well as residential learning. Every course features biblical integration, so students learn the Gospel inside and out. And, all undergrad programs include a Bible minor.

Undergrad Admissions

You must submit your high school transcript and ACT, SAT, or CLT scores. And, you must show evidence of your personal relationship with Jesus Christ. A recommendation from a Christian leader is also suggested.

Popular Undergrad Programs

Registered Nursing, Mechanical Engineering, Business, Psychology, Early Childhood Education and Teaching

14 Oral Roberts University
Visit ORU

Oral Roberts University is a Christian liberal arts school that takes a whole person approach to learning. They serve over 4,000 students from all 50 states and around the world. Online programs make the ORU community even more connected. Or, study at the vibrant, multi cultural main campus in Tulsa, OK. You will attend chapel twice per week and pursue spiritual as well as academic growth.

Undergrad Admissions

Submit your application and high school transcripts. You must also send ACT or SAT scores, as well as TOEFL or IELTS scores, if applicable.

Popular Undergrad Programs

Registered Nursing, Engineering, Divinity/Ministry, Accounting, Pastoral Studies/Counseling

15 Point Loma Nazarene University
Visit Point Loma

Point Loma Nazarene U is dedicated to helping each student pursue a spiritual calling. The San Diego based school has over 100 years of history, and was established by Phineas Bresee, a founder of the Church of the Nazarene. Choose from over 60 areas of study at the undergrad level, plus grad programs. PLNU is accredited by the WASC Senior College and University Commission (WSCUC).

Undergrad Admissions

PLNU takes a holistic approach to admissions. While students must submit their grades and SAT or ACT scores, PLNU will consider the person as a whole. You must also submit both spiritual and academic letters of recommendation. And, making sure to schedule an admissions interview is strongly suggested.

Popular Undergrad Programs

Registered Nursing, Sociology, Child Development, Allied Health Diagnostic, Intervention, and Treatment Professions

Online College Admission Process

Posted on May 14, 2019January 28, 2025 by venessa Regali

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Online College ADMISSIONS PROCESS

In the ever-changing landscape of education, online college admissions have opened new doors. Whether you’ve recently graduated or you’re a professional seeking career advancement, understanding this process is pivotal. This guide is your companion through the stages of online college admission, starting from that first advisor call to enrolling in courses tailored to your aspirations. Uncover essential inquiries, necessary forms, and valuable insights for a seamless transition into online education. Empower yourself to make well-informed choices about your educational path.

STEP 1: THE FIRST PHONE CALL

During the first phone call, the Admissions/Enrollment Advisor/Counselor may want to schedule an interview time to speak with you. Otherwise, they may want to discuss the following during the first call and then schedule an interview at a later time:

Selecting the right program for your career and life goals. Are you looking for a school that accepts low GPAs or does not require entrance exams. All things to consider.
Your schedule and any time or life constraints for going back to school

Online College	GPA Requirement	Other Requirements
GRAND CANYON UNIVERSITY	3.0	High school GPA of 3.0 or above ACT score of 19 SAT (Math and Reading only) score of 1000 GED and transcript of all credit-bearing coursework of 680 or higher
AMERICAN INTERCONTINENTAL UNIVERSITY	No GPA Listed	High school transcripts High school diploma or GED certificate Proficiency in English and math
COLORADO STATE UNIVERSITY GLOBAL CAMPUS	2.0	SAT score of 880 on the Evidence-Based Reading and Writing and Mathematics sections or ACT score of 17 Official high school transcripts
PURDUE UNIVERSITY GLOBAL	No Minimum Listed	Official transcripts Upload government issued ID Pay application fee Review degree plan

QUESTIONS TO ASK ADMISSIONS OFFICERS

What type of accreditation do you hold?
Do you offer any scholarships?
Do you offer Title Four funding (government financial aid)?
If I do not qualify for financial aid, do you offer help with Private Loans?
Do you accept transfer credits from _______ school? (if you have any to transfer)
Do you offer any credit for life experience?
Do you accept CLEP transfer credits?
How long will it take to complete your program?
What are your technology requirements?
Do you have a career services department?
Do you have academic advisors?
Do you offer technical support?
Are books included in my tuition?
Will I have access to a library?
How does your program work?
What is the time investment associated with this program on a weekly basis?

Note: Be sure to let the Advisor know if you are Active Military or a Veteran.

STEP 2: APPLICATIONS AND FORMS

After you have spoken with the schools, there are several ways you can begin the Admissions/Enrollment process:

It is not uncommon to receive an e-mail with the link to a school’s application site. Many schools have strictly enforced deadlines; however, do not be intimidated by this. These deadlines are established to separate serious students from non-serious students. Since the application should take only 10 minutes or so, take this opportunity to display your seriousness to the advisor.
You may be asked to pay an application fee, depending upon the school’s requirements. Make sure you ask your representative if there are any fees associated with filling out the application.
You may be asked to fill out financial aid paperwork. Some schools will complete your financial aid package prior to your acceptance, while other schools may wait until you are accepted.
Always feel free to contact your Admissions/Enrollment Advisor/Counselor with any questions. Most will follow up with you to see what questions or concerns you may have.
You may be asked to speak with a financial aid representative or a student accounts officer to set up a payment plan.
Some schools may require you to take a short exam or write an essay.

STEP 3: ENROLLMENT PAPERWORK

When you have chosen and been accepted by the school you wish to attend, you will be asked to sign an enrollment agreement. This may be e-mailed or mailed to you, or you may be directed to complete it online at the school’s website.

This is typically a three to seven page document that contains your personal information, your program of interest, what the institution is promising you, and what your obligations to the institution are.

Once you sign the document (you may e-sign, or sign manually and fax or mail back), you are enrolled!

STEP 4: COURSE REGISTRATION

Most institutions will recommend which classes you should register for first. Others may let you select from the course catalog. Keep in mind that if your school recommends that you register for certain classes, it is best to do so according to their guidelines.

In most cases, you can register online or on the phone. Once your registration is complete, many schools offer an orientation course to familiarize you with their format. It is recommended that you complete this course, as it will serve to benefit you.

HELPFUL HINTS

You might become anxious as your start date draws near. Just remember that this is normal, and that the first week of school might feel like culture shock. After a couple of weeks, you’ll assimilate school into your daily schedule and everything will begin to feel normal.

Simply keep reminding yourself:

“My education may enable me to make more money over my lifetime.”
“My education may enable me to move up the ladder in my company or get a better job.”
“My education may empower me to provide autonomy.”
“My accomplishment may inspire my children.”

You may even want to post it next to your computer or on your desk. Remember, in the words of Woody Allen, “80% of SUCCESS is showing up.”

Education Tax Credits | AOTC & LLC

Posted on May 14, 2019December 18, 2024 by venessa Regali

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The United States government provides Education Tax Credits (ETCs) for eligible students and individuals who cover educational expenses. Tax credits offer a one-to-one reduction in your tax liability, effectively reducing the amount of taxes you must pay. If these deductions bring your tax liability below zero, you may even be eligible for a tax refund. These credits were established to incentivize students to pursue higher education and ease the burden of tuition costs.

There are two potential tax credits available to students: the American Opportunity Tax Credit (AOTC) and the Lifetime Learning Credit (LLC). To qualify for either of these credits, students must satisfy a range of criteria, some of which overlap while others differ.

To be eligible for either the AOTC or LLC credit, you must, at the very least, satisfy the following requirements:

Qualified expenses for higher education, such as tuition and mandatory fees, must be paid by you, a dependent, or a third party.
The eligible student must be enrolled in an eligible higher education institution, one that qualifies for federal student aid and possesses a Federal School Code.
The eligible student, whether it’s yourself, your spouse, or a dependent, must be included on your tax return. An eligible student cannot be married and file taxes separately.

In addition to these fundamental criteria, there are further distinct conditions that must be met to qualify for the AOTC and LLC.

AMERICAN OPPORTUNITY CREDIT

The American Opportunity Tax Credit (AOTC) represents a modification of a prior credit known as the Hope Credit.

Eligibility for the AOTC extends to students, spouses of students, and third parties (including parents of students) who have covered the qualified expenses, such as tuition and fees, for someone attending school. The individual claiming this credit must have made these payments either in the preceding year or within the initial three months of the year in which the taxes are being filed.

Once you meet the qualifications, you can apply for the AOTC once annually, limited to the first four years of a student’s college education. The student in question must be enrolled in a program leading to a degree or certificate and be enrolled at least half-time during one academic period (e.g., a semester) for the tax year.

This credit is calculated in two parts, meaning students can receive the tax credit on the following:

100% of the first $2000 of eligible expenses
25% of the next $2000 of eligible expenses

In short, the AOC is worth up to $2500 in tax credit per year. If you do not owe any taxes, you can have up to 40 percent of the tax credit refunded to you.

To remain eligible for this tax credit, your modified adjusted gross income must be $80,000 or less. For married couples filing jointly, it must be $160,000 or less.

LIFETIME LEARNING TAX CREDIT

The Lifetime Learning Credit is easier to qualify for than the AOTC.

Students become eligible for the LLC by taking at least one course during the tax year. Their course or courses can apply toward a degree or certificate, or they can simply stand alone. Said another way, students can earn this credit simply by taking a course or two to enhance their job skills.

There is no limit to the number of years students can apply for the LLC. Therefore, they can apply for one as they earn their undergraduate and/or graduate degrees. They can also apply for it to supplement the costs of undergraduate or graduate courses.

To be eligible for the LLC, applicants’ modified adjusted gross income must be $52000 or less. For married couples filing jointly, it must be $104,000 or less. You can only claim an LLC for one student per tax return.

The LLC is worth up to $2000 per return. Unlike the AOC, it does not offer a refund if you do not owe any taxes.

Like the AOTC, the LLC is available to U.S. Citizens and Resident Aliens. It is not available to students who are already claimed as a dependent on someone else’s tax return (such as a parent’s).

Key terms and forms for the LLC:

Modified Adjusted Gross Income: this is the adjusted gross income, found online seven of Form 1040. Use Publication 970 through the IRS to help find this number. It helps you identify whether or not you’re eligible for the AOTC.
IRS forms to use: Form 8863 (Education Credits) and Form 8863 Instructions (note that this is the same form you will use for the AOTC).

AMERICAN OPPORTUNITY TAX CREDIT VS. LIFETIME LEARNING CREDIT

Criteria	AOTC	LLC
Maximum Credit	Up to $2500 per eligible student	Up to $2000 per credit return
Refundable or Not Refundable	40% of credit	Not refundable
Limit on MAGI for Married Filing Jointly	$180,000	$134,000
Limit on MAGI for single, head of household, or qualifying widow(er)	$90,000	$67,000
Number of Years of College Education Available	4	Unlimited
Type of Program Required	The student must be pursuing a degree or certificate	The student does not have to be pursuing a degree or certificate
Number of Courses	The student must be enrolled at least half time for at least one academic period beginning in 2018	Available for one or more courses
Qualified Expenses	Tuition, required enrollment fees, required course materials	Tuition and fees required for enrollment or attendance
Whom Can You Claim the Benefit for?	You Your spouse The student you claim as a dependent	You Your spouse The student you claim as a dependent
Who Must Pay the Qualified Expenses?	You or your spouse Student Third party	You or your spouse Student Third party

Source

Taking advantage of the American Opportunity Tax Credit and the Lifetime Learning Credit help make higher education more affordable. Remember that to qualify for either, you must:

Pay qualified expenses for higher education
Have a student (or be a student) registered at a qualified college (one that has a Federal School Code)

Otherwise, the LLC is easiest to qualify for. To receive that tax credit, students can take as few as one class. They do not have to be pursuing a degree or certificate. And they can apply for the LLC for the duration of their academic career; there is no limit to the number of years it’s available.

The AOTC meanwhile, is more difficult to qualify for. To receive that tax credit, students must be enrolled at least half time for one academic period per year. They have to be pursuing a degree or certificate. And they can only apply for the credit for the first four years of college education.

The IRS makes applying for the AOTC and the LLC relatively simple. Applicants can use Form 8863 for both, and instructions for applying are available online.

Be sure to take advantage of the government-supplied benefits.

Private Student Loans

Posted on May 14, 2019January 17, 2025 by Shannon Fandler

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Private student loans serve as a means to fill the financial gap between federal financial aid and the actual cost of your college tuition. Prioritize exhausting financial aid from other sources, such as grants, scholarships, work-study, and federal loans. If there’s still a need for additional funds, considering private loans could be the next step in your college financing strategy.

Here’s what you need to know before getting started!

FEDERAL VS PRIVATE STUDENT LOANS

Federal student loans receive funding from the federal government, while private student loans are provided by lenders such as banks and credit unions. Additional distinctions between the two types of loans include:

Overall Cost of the Loan. Private education loans tend to have a higher overall cost.
Interest Rates. Private student loan interest rates may be higher than federal rates. Sometimes, private loans have variable interest rates that change over the life of the loan.
Loan Repayment Terms. Private loans often come with less favorable repayment terms compared to federal student loans, which may offer income-based repayment plans and other benefits.
Borrower Eligibility. For private student loans, your credit score may impact your eligibility, and you might need a cosigner. In contrast, most federal loans do not require a credit check or cosigner.

Make sure to explore all available government financial aid programs before considering private student loans. However, if federal loans fall short in covering your college expenses, a private loan could be a viable option.

FINDING LENDERS

Numerous banks, credit unions, and financial institutions provide private student loans. To find the best fit for you, it’s prudent to compare interest rates, terms, and conditions among a selection of top-rated lenders.

COMPARE THESE PRIVATE STUDENT LOAN LENDERS:

Sallie Mae
SunTrust
College Ave
PNC
Citizens

APPLY FOR A LOAN

When exploring private student loans, it’s essential to consider that not all loans are alike, and different lenders may offer products, features, and terms that align better with your objectives. As you delve into potential lenders, here are some crucial factors to bear in mind:

Your Eligibility. Assess whether you seek private student loans without cosigner requirements or if your credit history presents challenges. Some private loans may suit your needs more favorably based on your citizenship status, income, part-time or full-time student status, and other criteria.
Loan Cost. Scrutinize factors such as the loan’s interest rate, interest type (fixed or variable), and associated fees. These elements contribute to the overall cost of your loan. For instance, be cautious when opting for a low, variable interest rate if you intend to repay the loan over an extended period. Variable rates can fluctuate with the market, resulting in higher payments than anticipated.
Loan Features. Certain private loans offer advantageous features, such as cosigner release, deferment options in case of financial hardship, or early repayment opportunities. Additionally, many lenders provide auto-pay discounts, often reducing the interest rate by 0.25 or 0.50 percent. Compare multiple lenders to explore the various features available to you.

HOW TO APPLY FOR PRIVATE STUDENT LOANS

Prior to considering private student loans, it’s crucial to complete your FAFSA and make the most of any federal grants or loans you are eligible for. Additionally, don’t overlook the opportunity to apply for scholarships! If you find that you still require additional funds, then you can initiate the process of selecting a lender and applying for private student loans.

IF YOU’RE ELIGIBLE, HERE’S HOW TO GET A PRIVATE STUDENT LOAN:

Get Ready to Apply. Generally, you can apply for private student loans online. To start, you’ll need to prove your basic eligibility – like citizenship and college enrollment status.
Submit Documentation. You’ll need to provide your personal and financial information to your lender. Your lender may require documents like your Social Security number, a pay stub for proof of income or your monthly housing costs. They may also as for your school’s cost of attendance, the amount of financial aid you’ve already received, your cosigner’s details (if applicable), and other information.
You’ll Receive a Decision. Your lender will need to process your application and analyze your financial and eligibility information, to let you know whether you’re approved. If you’ve applied for your private loan online, you may receive a result pretty quickly – sometimes in minutes! In other cases, a lender may need more information from you to move forward.
Choose and Accept the Loan Terms. Once you’ve been approved for the loan, you’ll need to decide on your interest rate type (fixed or variable), loan term, and repayment plan. You and your cosigner (if you have one) will then sign the loan agreement.
Wait for Disbursement. Your private student loans will be sent directly to your college or university. If you have borrowed more than your tuition actually costs, your school will generally refund the difference to you. You can return that money to your lender. Or you could use it to cover other college costs, like room, board, or your textbooks. It’s always best to borrow the minimum amount you need to cover your education related expenses.

PRIVATE STUDENT LOANS ARE AN IMPORTANT RESPONSIBILITY

Opting for private loans to finance your college education can make your academic journey possible. College opens doors to new career opportunities and a promising future. Nevertheless, it is crucial to be aware of the risks and responsibilities as a borrower. You must ensure that you are prepared to take out and eventually repay your private loans.

Your Guide to Federal Student Loans

Posted on May 14, 2019January 6, 2025 by venessa Regali

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Federal loans for students offer you the chance to borrow funds for college that you must repay with interest. Often, these federal loans offer a lower interest rate and more flexible repayment terms than private student loans.

Learn all about what types of federal student loans are available to find the best option for you and don’t forget to discover grants and scholarships to help you earn free money for college.

In 2022-23, 85% of first-time, full-time degree / certificate-seeking undergraduate students were awarded financial aid. Overall, 72.3%of all undergraduates received some type of financial aid.

TYPES OF FEDERAL STUDENT LOANS

There are two main types of federal student loans:

William D. Ford Federal Direct Loans
Federal Perkins Loan Program

These loans have unique requirements, interest rates, and maximum awards per year, which are explained below.

WILLIAM D. FORD FEDERAL DIRECT LOANS

This is the largest federal student loan program where the U.S. Department of Education is the lender. These loans include:

Direct Subsidized Loans
Direct Unsubsidized Loans
Direct PLUS Loans
Direct Consolidation Loans

Check out the table below to learn about the differences between these loans.

FEDERAL PERKINS LOAN PROGRAM

As opposed to direct loans, which have the Department of Education as the lender, the Perkins loans are school-based loans, which means that the individual school is the lender.

These loans are offered to undergraduate and graduate students with exceptional financial need. In addition, the amount awarded depends on the amount of funds available at a particular school.

Often, the students with the greatest financial need are awarded Federal Perkins Loans.

TYPES OF FEDERAL STUDENT LOANS

Federal Loan	College Degree Level	Federal Student Loan Program Details	Interest Rate (First Disbursed on or After July 1, 2018 and Before July 1, 2019)	Maximum Annual Award
Direct Subsidized Loan	Undergraduate	For those with financial need	5.05%	$5,500 (depending on grade level and dependency status)
Direct Unsubsidized Loan	Undergraduate, graduate, and professional degree students	Financial need is not required	5.05% (6.6% for graduate or professional)	$20,550 (depending on grade level and dependency status)
Direct PLUS Loan	Parents of dependent undergraduate students; and for graduate or professional degree students	Financial need is not required; borrower must not have adverse credit	7.6%	Maximum amount is cost of attendance minus any other financial aid you receive
Federal Perkins Loan	Undergraduate, graduate, and professional degree students	Eligibility depends on financial need and availability of funds at your school	5.0%	$5,500 for undergraduate students; $8,000 for graduate and professional students

PERCENTAGE OF GRADUATE STUDENTS WHO RECEIVE FINANCIAL AID

71.6% of all graduate students received some type of financial aid, including 44.2% of graduate students who took out some type of loan.

HOW TO APPLY FOR FEDERAL STUDENT LOANS

In order to apply for federal student loans, you must complete and submit a Free Application for Federal Student Aid (FAFSA). Based on these results, your college or career school will send you a financial aid letter, which may or may not include an offer of federal student loans.

This offer includes instructions on how to accept all or part of the loan. However, before you receive your loan funds, you will have to complete two steps:

Complete entrance counseling to ensure that you understand your obligation to repay the loan
Sign a Master Promissory Note (MPN), agreeing to the terms of the loan

As some students may not receive federal student loans as an option after completing the FAFSA, don’t forget about private student loans. While each lender and type of loan have different requirements than federal loans, private loans are available to all students.

BENEFITS OF FEDERAL STUDENT LOANS

Some of the benefits of federal student loans include:

Interest rate on federal loans is usually lower than private student loans
You don’t need a credit check or cosigner for most federal loans
You don’t need to begin repaying your federal loans until you leave college or drop below half-time
If you demonstrate financial need, you may qualify to have the government pay your interest while you are in school
Many federal student loans offer flexible repayment plans and options to postpone your loan payments if you’re having trouble
You may be eligible to have a portion of your federal loans forgiven if you meet certain conditions and work in certain jobs

FAFSA Application Deadline

Normally, online FAFSA applications must be submitted by midnight Central Time on June 30 of a given year. For instance, the 2023-2024 FAFSA deadline is midnight Central Time, June 30, 2025.

FEDERAL STUDENT LOANS – HOW MUCH SHOULD YOU BORROW?

Whether you’re taking out a private student loan or a federal loan, it’s important to consider the legal obligation you have to pay back then loans, so responsible borrowing is key.

Some of the things to consider when borrowing money for college:

Understand your total amount of loans and how this will affect your future finances
Research starting salaries in your field
Understand the terms of your loan
Make payments on time

Often there are flexible repayment terms for both federal loans and private student loans. This includes options such as, grace period, interest-only payments while in school, and interest rate reductions for automatic debit.

Looking for private student loans? Check out some of your options here!

Percentage of Students Stressed about paying for college

According to a 2017 study by The Princeton Review, 98% of college applicants and their parents said financial aid would be necessary to pay for college. Plus, 65% said financial aid was extremely necessary.

OTHER TYPES OF FINANCIAL AID

As the price of college tuition continues to rise understanding the types of financial aid and finding the right combination of financial aid to pay for your degree is just as important as finding the perfect program for you.

Luckily, there are plenty of other options of financial aid for you to choose from, including:

Federal Grants
Scholarships
Federal Work-Study
Private Student Loans
Institutional Aid
Employer Funding

All of these options mean that you don’t have to worry if you need to supplement your federal student loan offer. Discover some private student loans to find the perfect one for you.

FIND THE FINANCIAL AID PACKAGE AND FEDERAL STUDENT LOAN THAT’S PERFECT FOR YOU

Finding the right mix of financial aid is one of the key aspects of earning your degree. That’s why it’s important to consider all of your options and be sure to do your research.

A good starting point is talking to your counselor or the financial aid office at your school, both of which should have specific details for you to explore.

In the meantime, check out some of our private scholarships and find the perfect degree for you.

What Can You Use Student Loans for?

Do use your money to…

Don’t use it to pay for…

1. History May Repeat Itself

2. Your Credit Could Be Damaged as a Student Loan Cosigner

3. The Loan Obligation Goes Beyond the Amount Financed

4. The Debt Could Hurt Your Relationship

5. It’s Very Difficult to Remove Yourself From the Loan

Risks of Being a Student Loan Cosigner

Consider These Tips to Safeguard Your Credit

Resolve a Student Loan Problem

Start With Your Student Loan Lender/Servicer

Seek Additional Help

Even More Help Available

Advantages of Peer-to-Peer Student Loans

Disadvantages of Peer-to-Peer Student Loans

Where to Find Peer-to-Peer Lenders

Denied for Parent Plus Loan

Tips for Finding Financial Aid for High School Students

The Basics

Filing the FAFSA

Other Applications You May Need to File

CSS Profile

Institutional Aid Applications

Financial Aid Eligibility

The Financial Aid Award Letter

Follow-up Forms

Types of Financial Aid

Financial Aid Job Loss or Income Reduction

Dealing with FAFSA and Unemployment When You’ve Lost Your Job

Financial Aid School Review Process

What Can the Student Do to Help? Scholarships and Work-Study!

What are the Student Loan Cosigner Requirements?

1. Credit History of Cosigner

2. Stability

3. Good Health

4. Relationship to Student Loan Cosigner

How Much Can You Borrow?

What is an Unsubsidized Student Loan?

What are the differences between subsidized and unsubsidized student loans?

Should I pay off unsubsidized or subsidized loans first?

How Do You Apply for Unsubsidized Student Loans?

Who is Eligible to Receive Unsubsidized Loans?

How Much Can You Borrow in Direct Unsubsidized Loans?

Unsubsidized Annual Loan Limits

Unsubsidized Aggregate Loan Limits

How Does Interest Accrue for Student Loans?

How Do You Pay Back Direct Unsubsidized Loans?

Why You Should Consider Borrowing Federal Student Loans?

What Does It Mean to Sponsor an International Student?

Do International Students Need Sponsorships for Internships?

Who Can Sponsor an International Student?

U.S. Government Funding

Funding from an International Government

Sponsorship for International Students from Private Organizations

Sponsorship for International Students from Nonprofit or Other Organizations

Can You Get Student Loans Without a Job?

How Do I Qualify for Student Loans Without a Job?

Can You Get Federal Student Loans and Private Student Loans Without a Job?

What Federal Student Loans May You Receive Without a Job?

What Private Student Loans Are Offered to Unemployed Students?

How Do I Repay Student Loans Without a Job?

What Other Options May Help Pay for College?

Reporting Assets on the FAFSA

What are Student Assets on FAFSA? What are Parent Assets on FAFSA?

Cash, Savings & Checking Account Balances

Net Worth of Investments – Considered Assets

What Are Rolling Admissions?

What is the Best Time to Apply in Rolling Admissions?

Advantages and Disadvantages of Rolling Admissions

Pros

Cons

Rolling Deadline vs Rolling Notification

Early Access vs Rolling Admission

25 COLLEGES WITH ROLLING ADMISSIONS POLICIES

1 Ashford University

Admission Requirements

Tuition & Fees

Financial Aid

Acceptance Rate