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.
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.
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.
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.
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.
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:
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 Visit School
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
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:
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 Visit School
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:
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:
2274 Enterprise Dr. | Mount Pleasant, MI 48858 Visit School
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:
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 Visit School
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
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:
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.
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 Visit School
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:
One College Dr. | Lame Deer, MT 59043 Visit School
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
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:
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 Visit School
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 Visit School
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:
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:
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:
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:
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:
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:
3315 University Dr. | Bismarck, ND 58504 Visit School
UTTC is a tech school focused on tribal education and cultural preservation. It typically offers associate degree options and certs. Degree programs might include:
601 E College Dr. | Winnebago, NE 68071 Visit School
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
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 Visit School
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 Visit School
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 Visit School
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:
1200 Hwy Loop 56 | Okmulgee, OK 74447 Visit School
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:
101 Antelope Lake Circle | Mission, SD 57555 Visit School
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:
BIA Rd. 700 Agency Village | Sisseton, SD 57262 Visit School
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:
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 Visit School
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)
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:
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 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.
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 scholarshipprovides 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.
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 GPA3.0 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.
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:
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:
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:
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:
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:
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:
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:
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:
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 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 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:
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:
How to Get Money for College Through Grants and Scholarships
Then, Get Matched To Online Schools Using Our Degree Finder!
Table of Contents
According to some research findings, 35% of parents and students experience significant stress when it comes to financing college education. Fortunately, for those who find themselves in this situation, there exists a plethora of grants and scholarships designed to alleviate the financial burden of college expenses.
Continue reading to learn about some available scholarships and grants and how to apply.
COLLEGE SCHOLARSHIPS
Scholarships offer a fantastic chance to secure financial support for your college journey, thanks to their widespread availability. Additionally, these scholarship grants span a wide range, from a few hundred dollars to covering the entire tuition bill.
While scholarships with larger awards might be less common, there exist multiple channels through which you can uncover scholarships that align with your eligibility.
WHO QUALIFIES FOR COLLEGE SCHOLARSHIPS?
Unfortunately, a common misconception among students is that they won’t be eligible for college scholarships unless they were the valedictorian or a standout athlete.
However, this belief is far from the truth.
The reality is that a multitude of scholarships exist that provide financial assistance for college based on various criteria, including those mentioned earlier. This implies that virtually anyone has the potential to qualify for a college scholarship, including you.
The process simply involves conducting some preliminary research to identify scholarships that align with your qualifications and then fulfilling the application requirements, typically including an essay or a writing sample.
HOW TO FIND COLLEGE SCHOLARSHIPS
Finding scholarships, and learning how to apply, used to be a challenge as you’d have to flip through worn out and dated books at the library.
Now, there are plenty of resources online that are updated in real time and allow you to find the perfect scholarship for you.
One way is to use Unigo.com, a college scholarship database, which is the premier network for current and future college students as they figure out how to pay for college.
Other ways of finding scholarships include:
High school guidance counselor
College financial aid office
College guidance counselor
Federal agencies
Public library
Foundations, religious or community organizations, or civic groups
Ethnicity-based organizations
Professional organizations related to your field of interest
Your employer (or your parent’s employers)
Local organizations and clubs
EASY SCHOLARSHIPS FOR COLLEGE
Check out some easy scholarships below and click on any to apply before the deadline.
Amount: $10,000 Deadline: Annually by December 31 To apply for this scholarship answer the question: If a historical figure was back to life in the present day, who is and what is their favorite app?
Amount: $1,500 Deadline: Annually by January 31 Requirements: Dreams can have a powerful impact on our lives, as well as reveal your subconscious thoughts. Here’s your chance to earn a scholarship for sharing them.
Amount: $1,500 Deadline: Annually by February 28 Requirements: The Sweet and Simple Scholarship Committee wants to hear about a sweet and simple gift you received that had a big impact.
Amount: $2,500 Deadline: Annually by March 31 Requirements: We’ve all thought about what superpower we’d like to have. Now, those thoughts may help you earn a scholarship!
Amount: $3,000 Deadline: Annually by April 30 Requirements: It’s often been said that education is the key to success; What doors could earning a degree open for you?
Amount: $1,500 Deadline: Annually by May 31 Requirements: What’s so special about the number five? Now’s your chance to potentially earn some money to help pay for college by sharing what you think makes five stand out.
Amount: $1,500 Deadline: Annually by June 30 Requirements: What if you had a chance to do-over a moment in your life? What would it be and how would the change impact your future?
Amount: $1,500 Deadline: Annually by July Requirements: July is National Ice Cream Month, so it only makes sense to ask: if you were to be an ice cream flavor, which would it be and why?
Amount: $1,500 Deadline: Annually by September Requirements: Whether it’s a message to the world or a simple greeting, this scholarship gives you the platform you’re looking for.
Amount: $2,000 Deadline: Annually by October Requirements: If you’ve ever envisioned a zombie apocalypse and how you would survive, here’s your chance to share it with the world.
Amount: $5,000 Deadline: Annually by November Requirements: Have you come across those who told you not to pursue your degree? How did you respond? Why does education matter to you?
Amount: $1,500 Deadline: Annually by December Requirements: The Top Ten List Scholarship thinks you’re amazing and they want to hear the top ten reasons.
Amount: $1,000 Deadline: Annually by May 31 & November 30 Requirements: Tell other students about your experience so they can make better decisions about college.
TIP FOR APPLYING TO SCHOLARSHIPS
When writing an essay for a scholarship, always:
Keep in mind your audience
Apply as early as possible
Follow instructions
Double check your spelling and grammar
DIFFERENCE BETWEEN SCHOLARSHIPS AND GRANTS
Unlike some of the other types of financial aid, grants and scholarships come with a unique advantage – they do not necessitate repayment, provided you adhere to the specified criteria. For instance, certain grants may stipulate your enrollment as a full-time student or may be contingent upon your chosen academic field. Similarly, certain scholarships may demand the maintenance of a specific GPA. Hence, it’s essential to be well-informed about the requirements you must meet to fulfill your end of the arrangement.
Grants and scholarships, by virtue of not requiring repayment, are highly coveted avenues for funding both undergraduate and graduate education. Nonetheless, these two forms of financial aid possess distinctions. Notably, numerous scholarships are merit-based, implying that they are granted to students who have attained specific accomplishments or possess particular attributes.
For example, there are awards based on:
Where you live
Race or religion
Academic or athletic record
Extracurricular activities
Essay competition
On the other hand, grants are usually awarded as need-based. However, many schools offer both need-based and merit-based grants to students.
On the other hand, most of the federal grants are need based and for those students who meet certain criteria.
DIFFERENCE BETWEEN GRANTS AND COLLEGE SCHOLARSHIPS
Benefit
College Scholarship
College Grants
Offered By
State Government, Institutions, Private Sources
Federal Government, State Government, Institutions
How Winners Are Decided
Merit-based
Financial need-based (some exceptions)
Amount Awarded
Varies
Varies
Have to Repay?
No
No
GRANTS FOR COLLEGE
Grants work a little bit differently than scholarships, though they can be beneficial because you don’t have to repay them either. So, just like scholarships, they’re free money for college.
However, often these are based on financial need, though as mentioned, many colleges and universities also offer grants through the institution that are merit-based or a combination of merit-based and need-based.
There are two types of grants for college:
Federal Grants
Institutional Grants
As every school has unique grants, the list would be entirely too long to publish here. So, contact your financial aid office.
FEDERAL GRANTS
As most federal grants are awarded to students with financial need, they use the FAFSA to determine what amount of need you qualify for, just like the different types of federal student loans. Keep in mind that you need to complete the FAFSA every year to update the information.
TYPES OF FEDERAL GRANTS
There are four types of federal grants, each with slightly different requirements. Be sure to check the specific requirements to see if you qualify.
1. FEDERAL PELL GRANTS
Usually, these grants are only awarded to undergraduate students who display exceptional financial need and have not earned a bachelor’s or professional degree.
2. FEDERAL SUPPLEMENTAL EDUCATIONAL OPPORTUNITY GRANT (FSEOG)
The FSEOG program is administered directly by the financial aid office at participating schools and not all schools participate. Check with your school’s financial aid office to find out if your school participates.
Similar to the Pell grants, FSEOGs are awarded to undergraduate students with exceptional financial need and the school’s financial aid office will award the grant to students with the most financial need.
3. TEACHER EDUCATION ASSISTANCE FOR COLLEGE AND HIGHER EDUCATION (TEACH)
These grants are different than others because they require you to take certain kinds of classes in order to get the grant and then do a certain kind of job to keep them from turning into a loan.
Awarded to undergraduate teaching students, you are required to teach for a minimum of four years at an elementary school, secondary school, or educational service agency that serves students from low-income families.
If this service obligation is not met, the grant is converted to a Direct Unsubsidized Loan.
4. IRAQ AND AFGHANISTAN SERVICE GRANT
The Iraq and Afghanistan Service Grant is only available to those whose parent or guardian served in the U.S. armed forces and died as a result of service in Iraq or Afghanistan after September 11, 2001.
In addition, you need to have been under 24 years old or enrolled in college at least part-time at the time parent’s or guardian’s death.
FIND GRANTS AND SCHOLARSHIPS TO HELP YOU EARN FREE MONEY FOR COLLEGE
Visit Unigo.com for a vast array of additional scholarship opportunities. Unigo boasts a database comprising over 3.6 million college scholarships and grants, totaling a remarkable $14 billion dollars in value. To streamline your search process, Unigo organizes its scholarship listings into detailed categories. Additionally, you have the option to create an account for personalized scholarship recommendations.