All About Grants for College Students

Grants are a type of student aid that is awarded by the government. Grants for college students do not have to be repaid.

Grants are based upon financial need, as calculated by the federal aid program. The first step in applying for government grants is by completing the FAFSA.

Of course every student and parent would rather receive grants instead of loans, since they do not have to be repaid. So the student hopes to see a grant award when the results are returned from the application.

There are a few things to be aware of, however, when expecting a grant. The funds available for grants are limited, therefore the grant will not usually fully fund educational expenses. If the student is planning on attending a community college where tuition rates are lower, it is possible that grants will cover a greater percentage of the tuition and fees.

The second thing to be aware of is that when the need analysis is done by the government or school, the expected contribution of the parent is usually higher than in reality what is possible for most families. This expected contribution effects the amount available to the student for grants.

Another significant factor is that if the parent or guardian claims the student as a dependent on income tax returns, this effects the amount of aid available to the student. In general, a student who is ‘independent’ of the parents as far as the tax law goes, will receive more in financial aid awards.

First year students may find that they receive less grant awards than they do in subsequent college years.

Michael Carter is a contributor at College Financial Aid Guide, an online informational resource for educational funding, scholarships and student loans. Learn more about Federal Pell Grants and Supplemental Educational Grants

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Free Grants For College

Finding information on free grants for college is a subject sure to be of interest to students just out of high school as well as later in life returning to school people. Grants for college are not necessarily hard to come by, but do require a bit or research and organizational work. Free grants for college are a must explore possibility for all college students.

Unlike ‘student loans’, grants do not have to be repaid, and unlike ‘scholarships’ they are not necessarily merit based.

The first thing you want to research is what types of grants are available for going to college. The most common grant for college that we hear about is called the “Pell Grant.” This grant is an income based federal grant for low-income families. However there are also grants that are not income based. There are free grants for college that are based on subject of study, merit, geographic location, minority status and more.

The first stop you should make when searching for free grants for college is your local community college’s Financial Aid office. Meet with a financial aid counselor and discuss some options that they know of which might be available to you. It’s their job to be aware of grants, student loan programs, and scholarships that could help you in your quest in furthering your education.

You should be forewarned however, that even though it is their job, they are often trained to do their job like systematic robots and they have a ‘first question’ rule. If you answer the first question the wrong way, their brains shut down and they will go no further with you.

An example of this would be that you may have a current student loan in default. If you are in default on a student loan, you cannot get another one until you make good on the first. However, there are exceptions to this rule, and if you know them you can take action to implement them and proceed with your career.

The problem with these financial aid counselors is that they are ‘entry level’ employees who are discouraged to think for themselves. They have a system and it’s all they know. If you tell them that you have arranged a workout and that you now will qualify for a new student loan, they will not even attempt to ‘look into it.’ They will simply repeat that until you satisfy the first loan, you will be unable to get another one. Occasionally, however, you will find someone who is a seasoned veteran of the financial aid world and who will go out of their way to help you, so this is still a must do.

The best way to avoid this is to do your own research on free grants for college via your local library and of course, the world wide web. Be prepared to make your applications early and wait. Free grants for college are available to you, you just need some ‘self startership’ to find them and get them.

There is one other resource that will save you time and allow you to receive free grants for college. This simple, yet incredibly effective method can quickly get you free grants for college

Article Source: http://EzineArticles.com/?expert=Austin_Warty

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Government Grants For Women

The first thing you need to know is where to look. Just doing a Google search for it and it will often lead you to a fruitless search, unfortunately. However, there are some websites that you can use that will bring up much better results:

Foundation Center:

The Foundation Center website lists thousands of available grants, including government grants for women, grants for individuals, grants for small businesses, and many more. The nice thing about their website is it also includes private foundation grants and corporate giving programs in addition to government grants for women. Often it is easier to get private grants for women than federal grants, because there is much more competition for federal/government grants than private foundation grants. If you go to foundationcenter.org you can search their database for free, but to get more detailed information it does cost a bit of money. My course (see the link at the bottom of this article) shows you some ways to access even the detailed information without having to pay high subscription fees. Check out the link at the bottom of this article for this information.

Grants.gov:

Grants.gov is the central place to search for government grants for women. They do not list any private foundation grants, but government grants only. The website is quite self explanatory, but can be a bit confusing even though they’re constantly trying to improve it. If you are going to try to get a government grant through grants.gov, I would recommend you get some guidance. My website (listed at the bottom of this article) has a lot of resources to guide you in a situation like this.

government grants For Women Entrepreneurs:

If you are a woman who owns 51% or more of your business, your business would be classified as a “woman-owned business” and may be eligible for additional grant resources. Before you seek these resources, however, you will need to do the following: make sure your credit report is clean, put together a well thought out business plan, and get a third party to certify that you ar ea woman-owned business. The small business administration can do this for you (certification).

For more information on how to get government grants for women, visit my website: Government Grants For Women

Article Source: http://EzineArticles.com/?expert=Steve_T_Carpenter

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Obama Scholarships – There’s One For You Too

Have you belonged to the group of women in the United States that unfortunately missed out on their college education? Maybe, for reasons out of your control upon finishing high school, college wasn’t something you or your family could afford. Well, the latest Obama scholarships are about to change all that.

The truth is that the years are and have crept by you as you’ve been busy with your kids, your job, and making ends meet. It’s hardly surprising that there’s been little or no funds left for your dream of attaining a college education. There are many people in this country who have not had the good fortune of receiving a post-secondary education funded by their parents. If you haven’t been to college because of a shortage of cash, I have some wonderful news.

Have you heard of the various privately funded scholarships which are available because of the United States Government and President Obama? This means that a woman over the age of 18 living in the United States can apply for up to $10,000 in financial aid to help pay their college expenses. This is not an offer that is likely to be repeated ever again as the government doesn’t give money like this away very often so you should jump in there while it’s available. This entire thing could be over and done with before you know it so be sure to apply today – there is no charge to you, and it will only take a couple minutes of your time.

If you need money for college, then see my #1 recommendation for Obama scholarships, just click here now.

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Employers More Likely to Embrace Online Degrees

Many adults eager to improve their careers have embraced the idea of distance learning and online degrees. Flexible class schedules and the ability to earn an entire degree online without ever setting foot in an actual classroom make the online learning experience very attractive for students. But are employers willing to accept the online degrees that students are so eager to earn?

The answer to this question is driven in part by the realities of the education marketplace. In one sense, employers have little choice in the matter because of the sheer popularity of distance learning. According to the National Center for Education Statistics (NCES), for example, more than 54% of the country’s post-secondary institutions now offer online courses or degrees. The NCES estimates online enrollment could climb to six million in 2006, up from 3 million just a few years earlier. Data from 2004 – the latest available at the time of this writing – put enrollment at the University of Phoenix Online, the nation’s leading online university, at more than 115,000 students.

Given the magnitude of these numbers, it’s difficult to imagine that employers can long overlook online grads as potentially valuable new employees. However, a frequently cited study by Vault.com, the online career information site, showed that not all degrees are created equal. Degrees requiring actual physical attendance at traditional brick-and-mortar universities were still preferred over online institutions by a substantial margin. When it comes time to hire, online graduates can expect to meet with at least some resistance from human resource managers looking for on-campus grads from a big name school.

But there’s more to a degree than name recognition and whether or not that degree was earned solely through an on-campus program. More recent studies – some commissioned by online universities themselves – show that job applicants holding a degree from an accredited online university now enjoy more or less equal footing with graduates from their brick-and-mortar competitors. Accreditation, a voluntary process in which colleges and universities are reviewed by a regional accrediting agency, seems to underlie the change in attitude. Successful accreditation ensures that an online college or university meets a uniform set of standards that applies to all institutions of higher learning – including traditional brick-and-mortar institutions as well as online universities. The Department of Education maintains a database of accredited colleges and universities at www.ed.gov.

There are situations in which employers appear more willing to accept the qualifications that go with an online degree. A case in point is the existing employee eager to improve his or her career qualifications. In a situation like this, many employers are eager to help existing employees become a better-educated and hence more valuable employee. At the University of Phoenix Online, for example, fifty-nine percent of students receive all or part of their online tuition from their employer.

According to the National Center for Education Statistics, online learning is expected to grow faster than any other part of the education landscape in the years ahead. Assuming it’s a regionally accredited college or university that grants an online degree, distance learning grads can be confident that their diploma will find favor in the workplace.

Matthew Paolini
http://www.articlesbase.com/education-articles/employers-more-likely-to-embrace-online-degrees-103755.html

Financial Aid Information For Students

Financial Aid is a wonderful program to help with the cost of college. It is a program that helps to supplement the cost of education and offers opportunities to those who otherwise may not have the means to further their education.

The first step to receiving financial aid is to filling out the free application for federal student aid. This is the agency that determines what the family contribution should be. The difference between the cost of attendance and expected contribution for a student, determines how much funds should be awarded based on need. There are some programs that are based on merit or are non-need based and can replace expected contributions from a family source.

By applying early, several funding sources for assistance can be considered. An eligible student with demonstrated need should not be denied the opportunity to attend college. Though the maze of financial aid can be intimidating, if it is taken on a step at a time it’s as easy as drawing a line from A to B.

Begin by determining your eligibility to participate in federal, state and local financial aid assistance. Once you have determined that you are a good candidate for eligibility, apply for and receive your financial aid. After your initial application for Federal Student Aid, the remainder of the process should be completed at your prospective college or university. The Financial Aid office can be very helpful with this process.

To ensure your success, plan a college education budget. Understand the policies and procedures that will affect your financial aid experience; and if a student loan is part of your budget be sure you understand all the repayment options. Another important financial aid opportunity that you can’t afford to overlook is the work-study program. Often you will be given a part time job within your college or university to help you with expenses. With proper planning, nearly anyone can obtain a good education.

James Hunt
http://www.articlesbase.com/education-articles/financial-aid-information-for-students-10912.html

Accredited Distance Learning Programs Pump Up a Lagging Career

Accredited distance learning is a great way to work towards changing careers or to give you the edge when working your way up the corporate ladder. Good education from a reputable distance learning school may help you to improve your skills and finally obtain your dream job that provides a better income. The choice of education facilities that offer distance learning is vast. Here are some things to help you make your choice about which distance learning school is best for you.

In reality, there are so many distance learning programs out there that it is easy to see why one can be overwhelmed when attempting to choose one. People interested in medicine can take a distance learning nursing program. Some pursue a distance learning engineering degree. Others sign up for computer technology or criminal justice. The top schools in the nation with solid reputations offer accredited distance learning programs to satisfy almost every educational need, from psychology to golf.

Accredited distance learning programs and online education promise to assist with future goals, but you need to note that you will be investing time and your hard-earned money to obtain a distance learning degree. Considering that, choose wisely. Which ever distance learning school you choose, be forewarned. They are not all created equal. Do some background research to ensure that a potential employer will view your qualifications as viable, due to the credibility of the institute you have chosen.

In order to establish this type of credibility, you will need to be particular about the distance learning school you decide upon. When looking at potential distance learning programs that interest you, note if the school is a reputable one for distance programs and how applicable or transferable their degrees are. An accredited distance learning school ensures that all the curriculum they offer is keeping up with the changing times. The world changes very quickly as new technology comes out and this increases the demand of many different types of jobs. It is essential that the accredited distance learning school reflect this trend in their organization. Good facilities offer distance learning programs that enable students to graduate with a degree that provides fully transferable and applicable skills.

To know whether or not the distance learning school you’re thinking of enrolling with is a reputable one, verify their background and history in providing traditional classroom education. Some educational facilities are just beginning to offer accredited distance learning courses, but they already have a proven track record and background as being an excellent school. Some distance learning schools are completely new and have no previous educational training reputation – you should avoid these until the distance learning school has established a history of credibility. Browse the internet to see how often the school, you’re thinking of enrolling with, is mentioned on various sites and where they rank compared to other colleges or universities that also offer distance learning instruction.

Choosing to obtain your education through accredited distance learning is a wise choice that can boost your career success. That is, if you choose a distance learning school with a good reputation at being a leader in education and providing students with skills they can apply to many different areas of a working environment. An accredited distance learning education shows potential employers your training and instruction is valid and affirms that you’ve been careful in your choices. While there are distance learning courses that don’t provide accreditation but merely educate or teach something fun, accredited courses will be the ones that further your career success and your potential to land a good job.

Samantha Ellis
http://www.articlesbase.com/online-education-articles/accredited-distance-learning-programs-pump-up-a-lagging-career-288554.html

Hope for Students with Poor Credit

Students with poor credit do not despair. A college education does not have to be a farfetched dream. There are a number of options available to help those with poor credit when paying for their education. One of the most attractive alternatives for students with poor credit is a federal loan. federal loans are designed on the premise that most students planning to enter college are doing so straight from high school, and more than likely do not yet have a credit rating. The Stafford loan, under the US Department of Education, therefore does not even take into account a student’s credit rating to qualify for a loan. Bad credit may, however, play a factor in qualifying for these loans if a student has failed to pay a federally granted student loan in the past.

Stafford Loans are offered as either subsidized or unsubsidized. The subsidized Stafford Loan is based on need and the government pays the interest while the student is still in school. The unsubsidized Stafford Loan is available to all students but the borrower is responsible for the interest. A Federal Perkins Loan is a low-interest loan in which the amount of the loan is determined by the college the student will attend. Students with bad credit might also want to explore federal grants such as the Pell Grant and the Supplemental Education Opportunity Grant, which award funding dependent on the student’s need.

Students with bad credit can also find loans to “pass the buck” to their parents. For example, the PLUS (Parent Loans for Undergraduate Students) Loan is granted to parents to help cover the amount they would forfeit to pay for college expenses. Parent loans, however, usually need to be repaid sooner than Stafford Loans. On the whole, federal loans are a better option for students with bad credit because their requirements are less stringent than most banks or lending agencies. They also do not require a co-signer and can be used whether or not you have financial need.

Private loans are another route one can take to the gates of higher education. Although these are not guaranteed by the federal government, they can offer higher lending limits. One’s credit history is a factor in qualifying for a private loan, so students with no credit history or bad credit may find it difficult to benefit from a private lender. A co-signer with good credit however, can back up the borrower as well as open the doors to more favorable terms. One disadvantage to private loans is that they tend to cost more in the long run, as private lenders usually charge higher fees. Students with bad credit who are planning to pursue a career that has the potential to bring in a high income, such as law and medicine, might be treated more favorably by private lenders.

Students should take heart that they are not limited to choosing between a private or a federal loan. Students can raise enough money to finance college through a combination of both. Once qualifying for a loan package though, students should not rest on their laurels; but instead, take the opportunity to find ways to make the repayment of these loans more favorable to their situation. Even though loans given to students with poor credit have a higher interest rate, they are usually payable after the student graduates and has begun to earn an income. Students should therefore take their loan repayment schedule as a chance to improve their credit rating. One step to a better credit score is to consolidate your student loans. Consolidating loans has many advantages including lower monthly payments, a longer repayment period, and fewer creditors in your credit history.

Jeremy Thompson
http://www.articlesbase.com/finance-articles/hope-for-students-with-poor-credit-53707.html

Government Student Loans, Government Aid

Government Student Loans, scholarships and grants are available to anyone looking for higher education, whether it is a college diploma, university degree or any other accredited academic certificate. There are many ways of finding aid for your further education. Private student loans, federal government student loans and any other academic loans are different from student scholarship and grants as they have to be repaid. Student loan schemes are available in two different types of loans, subsidized and unsubsidized loans. Find out if you are eligible for subsidized loans by completing an application online. The interest for the subsidized loan is paid by the Federal Government in the United States and in some other countries the finance government department provides some sort of study assistance. The unsubsidized loans have a normal percentage of rates of interest.

Using online services can help you find all the necessary information for applying for federal government student loans online. Expenses not subsidized by the Federal Government such as education related expenses or overseas study can be applied for through a private student loan. Many of the student loan lenders private and government, have online application and processing facilities. The loans are reviewed and this process can usually take about a week or two. The repayments of Federal student loans usually begin six months after graduation. This is referred to as the grace period. Most student loans are deferred for repayment until students have completed their schooling or leave school.

Student loans are not only used for the tuition but also to pay for school related costs such as paying associations, housing costs and lab fees, stationery and text books. If you are 18 years of age you can apply for a student loan. Private loans for students are not given without a co signatory or a credit report. Credit unions give student loans if you have collateral to put up. During the credit period, you have the option of paying or not paying the interest on the loan. It will become easier if you do make periodical payments to cover the interest of the loan. If you have the opportunity to pay the interest off, the capital repayment once you have graduated becomes easier for you.

Student loans are to be repaid in ten years. However, longer repayment terms can be provided for large student educational loans

A Procos
http://www.articlesbase.com/loans-articles/government-student-loans-government-aid-88639.html

4 Reasons To Never Buy Free Government Grant And Loan Guides!

It is true: You can receive free money from the United States government to go to college, for a business, and many other things. I personally know of individuals who get thousands of dollars every single year to do various business and philanthropic activities. And they never have to pay back the money to the government!

Many people have come across websites that sell guides to teach you how to get free money from the government. Sometimes this information is offered in free lists, seminars, manuscripts, or training courses. To be honest, these information guides usually contain valid information, but their advertisements are so misleading that they could rightfully be considered scams. These kinds of information guides are highly attractive because many Americans are enticed by the notion of receiving free money from the government that they never have to pay back.

So what’s the deal with this free government grants business? Are they just hype or can you follow their directions and get rich as the ads claim? Read on for the truth you must know about free government grant guides.

Getting something from the government is virtually impossible. The first challenge to receiving a free government grant is knowledge: You virtually have to be a professional government grant researcher to get a grant. The work involved is tremendous. It becomes too much tedious work. There are too many timelines. There are too many deadlines. There are too many twists and turns…You won’t have the time or energy for all of this in addition to living your normal life.

The second challenge is your credit: How’s your credit? Is it good enough? If you are anything like I used to be when I was buying every free government grant guide under the sun, you probably have poor credit. Thus, you won’t qualify for the traditional small business loans. But even if you did, you’d discover virtually no banks in America fund the start-up cost for businesses. If money for the start-up of a business is what you are after then you are just out of luck. Most of those loans go to businesses that have been established for several years, which isn’t you.

The third challenge is writing a business plan. Writing a business plan is tough: I write at least 2,000 words everyday and writing a business plan was tough for me! The research is murder…then, on top of this, it is recommended that you have your business plan reviewed by a panel of experts. This process generally takes 6 – 8 weeks. You’ll be asked to make all kinds of revisions to your business plan. Then send it back to be reviewed again, and so forth and so on. The entire process can be grueling.

The fourth challenge is actually getting the money. This may seem crazy, but actually getting a free government grant for a traditional business can be a real problem within itself. Why? Refer to my article on “Home Based Franchise Income Opportunities, Work from Home Franchise Opportunity Business” for details.

Conclusion

There have been thousands of people who have invested in free government grant guides. To my knowledge, many of these guides should be considered scams. Many people simply want to earn an extra income from the comfort of their homes. Instead they find themselves cheated by con artists who take advantage of their financial situation and hopeful attitudes. Sure there are legitimate companies out there offering real work at home opportunities for those interested. Unfortunately, home based business scams are at an all time high. It has become harder to find legitimate home based business operations. So, if you are planning on buying one of those free government grant guides you’ve seen across the internet, be wise. Use common sense and the guidelines above to avoid falling victim to these infamous scams!

Joe Cooper
http://www.articlesbase.com/business-articles/4-reasons-to-never-buy-free-government-grant-and-loan-guides-59795.html