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| UNITED STATES 100 FEDERAL RESERVE ERROR NOTE THIRD PRINTING ON REVERSE 1977 | |
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State Government Often Source Of College Grants For Online Education Programs
A college education can add thousands of dollars of debt to a person’s economic standing. Not only does a student have to pay for classes, but supplies like books are getting more outrageous every semester. It’s not unusual for a textbook to cost over a hundred dollars, and if you’re taking five classes, that’s a very large expense every semester.
Students who have planned ahead and saved some money for tuition may find themselves in a better position than those students who don’t, but that doesn’t mean everything will be covered. When you take into account additional expenses like food, clothing, and housing, it’s not very likely that your savings will be enough to cover everything. Students shouldn’t get discouraged, though, because there is financial assistance available that won’t cost them a cent.
Students can receive free money to help them pay for school through grant programs. Those who receive financial aid in grants don’t ever have to pay it back, because it’s a gift. Every year students can apply for the billions of dollars in grant money that’s available specifically for education.
For the purpose of this discussion, we’re going to break the grants down into four basic categories, and within each category, there are different types of grants. The two basic types of grants are need-based and merit based grants. A need based grant is given based on a student’s economic need, i.e., the ability or inability of a student to pay for a college education. The other type of grant is a merit grant, and that means the grant is based on the student’s merit, usually a talent, skill, service or academic standing.
The largest fund for grants is through the federal government. These grants are available to students nationally, and are often based on financial need. The most well-known federal Grant is the Pell Grant; the highest Pell Grant award is $5,550 per year for students who qualify. Additionally, the federal government also offers several other grants that are often in conjunction with the Pell Grant, including the Federal Supplemental Educational Opportunity Grant, the Academic Competitiveness Grant, and the SMART (Science and Math Access to Retain Talent) Grant.
At the state and local level, grants are available from governments to residents of each state or city based on certain criteria that each government entity determines. Most state grants require that recipients be residents of that state for a period of time (usually 12 months) before the grant can be awarded. The types of grants that are available vary state by state and locale by locale. Some states award grants to students who are in the top percentile of their graduating class, while others have grants that are available to students based on their economic status. To find out specifically what grants are available in your state and city, you can contact the financial office at the school you plan to attend, or you can visit your state’s Department of Education website.
There are also thousands of privately funded grants from institutions and private groups. These grants are usually either student-specific or profession-specific grants. That means they are affiliated with either a certain career track, or the student is a member of a certain category or group of people. Students can get information on profession-specific grants through the department of their major or through the trade or professional association that has a relationship or affiliation with their chosen major. For student-specific grants, such as minority status grants or grants based on a disability, check with your financial aid office.
There’s no need to be tens of thousands of dollars in debt if you are eligible for student grants. Too many students let grant opportunities pass them by because they don’t know about them and they simply don’t apply for them. You may have a chance to engage in distance learning course programs for free through college grants; if you don’t apply, you’ll never know the possibilities.