Federal Grant-Direct Federal Student Aid Grants

Federal Grant-Direct Federal Student Aid Grants

Federal Student Aid, as an office of the U.S. Department of Education, provides a variety of financial aids to students and their families. One of the methods used by the office to provide financial assistance to those in need is the grants given out by the office. However, there is not a single type of grant, and a good knowledge of the grants is required to make a sound and right application. Here is some information on the types of grants provided directly by Federal Student Aid, and their eligibility criteria.

The first and most well-known of these grants is Federal Pell Grants. This grant is awarded to students whose income can be categorized as low or middle. Therefore, this grant can be categorized as a need-based grant. How much a student will be awarded is dependent on the income level of the student and his or her family in addition to how high the student's cost of education will be.

Academic Competitiveness Grants constitute the second category of direct grants given out by the office. As the name of the grants suggests, they are awarded to students who have built a strong academic record throughout their secondary education. This category belongs to merit-based grants as opposed to the Federal Pell Grants and Federal Supplemental Educational Opportunity as explained above. However, to apply for this grant, the student should also be eligible for the Federal Pell Grants, which makes the grant need-based as well. If the student satisfies all the above conditions, and is in his or her first or second year of the undergraduate studies, he or she can apply for this grant.

The next category of grants is the National Science and Mathematics Access to Retain Talent, often referred to as National SMART. This grant is awarded only to those students who are at their third, fourth or fifth year of undergraduate study. Furthermore, it is necessary that the applicants study in one of the following fields: physical sciences, life sciences, computer sciences, mathematics, technology or engineering. National SMART also accepts applicants who are studying a foreign language "determined critical to national security". Finally, candidates should again be eligible to apply for Federal Pell Grants as well to be eligible under this scheme.

The next category of grants carriesthe name Teacher Education Assistance for College and Higher Education Grants (TEACH). As its name suggests, the grant is specific to those students involved in a career in teaching. However, it is not necessary for the students to have completed their coursework in the related field; they might also still be going on with their coursework. The important point of this grant is that, if you are awarded TEACH, you have to make an agreement with Federal Student Aid. This Agreement to Serve that needs to be signed gives the student the liability to work as a full-time teacher under conditions that will be set out by Federal Student Aid.

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Federal Need Based College Grants

Federal Need Based College Grants

Presently there are currently 9 government sponsored college or university grant programs offered in America, and over six hundred state financed programs. This report is going to briefly talk about the three most favored federal subsidized programs using need based eligibility. Federal merit based grants are going to be addressed in a subsequent article. The course of action with regard to application for the majority of them begins the same way which is to complete the Free Application for Federal Student Aid (FAFSA). The FAFSA form needs to be completed on a yearly basis if the college student is going to be trying to get aid for that upcoming year. Grants are generally organized in one of two categories: Need based and merit based. Need based grants are the ones in which the college student will need to meet particular financial shortcomings wherein they might not manage to attend higher education due to lack of funds. Merit based grants are those where the student qualified based on one performance achievement or another. Below are a list of grants in the need based category along with a short description of each.

Need Based Grants:

Pell Grant 

Pell grants are granted based on financial need because they're only accessible to college students whose family household income is $50,000 or less. Although this amount of money seems low, The United States Government distributes millions of dollars every year through the Pell Grant program. Pell grants are given straight to the student's institution and if there is money remaining after tuition, room and board, and expenses are paid out, the student may decide how the rest of the funds are allocated.

Federal Supplemental Educational Opportunity Grant (FSEOG) 

This specific need based grant is much like the Pell Grant with the major variation being that the college the student attends retains the authority to determine how much money will be allocated to the student. Because of this there is often a range in the household family income threshold which determines eligibility for the grant.

Academic Competitiveness Grant (ACG) 

The Academic Competitiveness Grant is based on financial need; but there's an academic performance component to it as well. Students who are eligible for the Pell Grant may also be eligible for the Academic Competitiveness Grant. As in the FSEOG Grant, the university decides the amount of grant money awarded to the student but bases the computation around the student's performance.

All of these grants need the college student to send in the Free Application for Federal Student Aid (FAFSA) form that can be done on the U.S. Department of Education's website or by simply printing out the forms and mailing them in. Once the forms have been submitted and reviewed the college student will receive the Student Aid Report (SAR) which enables them to figure out how much they could be eligible for and how much their Expected Family Contributions (EFC) is. Dependent on the details included in the SAR, each school you've expressed an interest in will prepare an award notice, a financial aid package they are willing to provide you in return for gaining you as a student.

Learn more about the teach grant. Stop by our site where you can find out all about the teach program and what it can do for you.

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Single Parent Grants

The conventional image of a family counts on the presence of father, mother and children in it. In today's world, some families may lack the presence of a parent and the family is classed as a single parent family. Statistics tell us that there are more than 10 million mothers and fathers who are trying to raise their children. The shocking fact is that more than 25% of such families continue to exist below the Federal poverty levels. 83% of these are women centered families. With the economic conditions as they are in the U.S.A., it wouldn't be difficult to imagine the plight of these households. In single parents grants, these people have a access to financial aid which can help them immensely.

Scholarships for Single Parents

If you are one of those people, who are trying to manage their household and raise a child on a single full-time or part income, then you should consider applying for these grants. The purpose of these single mother grants and scholarships is to help you in single parenting and enable you to pay for daycare, housing, schooling and the basic needs of your family. These grants comes with some strings attached, and expects the parent to repay by doing some type of community work. Some these grants and financial aid programs assigns or sets some specific tasks to the winner. Well, it is said that, "Don't look a gift horse in the mouth."

College Grants for Parents

Individuals, who think that they can do much better by acquiring higher education, should go for scholarships for mothers. They are right in linking education with career opportunities. There are some jobs that cannot be done away with. Most of the time, the government and the organizations needs qualified persons to do these jobs. If you are thinking of using these single mother grants and scholarships for creating career opportunities for you, then you are on the right track.

Single mother grants such as scholarships for mothers, scholarships for women over 30 or Obama grants for moms provides for your college education and other expenses. If you are able to fulfill the Pell Grant eligibility criteria, then the Pell Grant amount that you can claim for the year 2011-12 is about $5,550. You need to submit a Pell Grant application to the proper authorities to present your candidature for these grants. In addition to government grants you can also search for those that are financed by private organizations. After winning these grants, working patiently and continuously applying yourself to achieve goal is the way out of your difficulty.

Single fathers looking after the family should look for financial aid such as Pell Grant, college grants for adults. He should also take advice from the, on-the campus aid officer about applying for student loans.

Grants for Housing

Apart from these educational grants, there are several such as single mother housing grants which can enable you to move to a place that is conducive for the growth of your children as well as your family. The right place for single parents to search to know about housing grants is the Internet. Once you locate this grant through single mother assistance program run by the government, go through its eligibility criteria and know how to apply for the grant. After sending the form, don't lose your patience if you don't hear from the grant provider. Sometimes, it takes months for them to start examining your claim and grant it. However, after being selected for it, the grant will house your family for a fraction of the cost it would normally.

If you are really down on your luck and finding it difficult to raise money to fulfill the basic needs of your family, then, you should be aware of the program run by the department of children and families. It provides food vouchers through this program, using which, one can have access to milk, cheese, peanut butter, cereal, and eggs. This department also runs a program called TANIF, through which needy single parents are given monetary assistance. Food stamps, which now have assumed credit card like form are issued to single mothers to help her to pay for the specific amount of food. You can also search on your own for the grants that will take care of the medical requirement of your kids.

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Source: http://www.buzzle.com/articles/single-parent-grants.html

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Touching Lives Through Grants for Special Needs Children

Touching Lives Through Grants for Special Needs Children

Special needs children are those who are believed to be suffering from physical disabilities, health and medical conditions, behavioral, mental, and emotional impairments, abuses, and learning difficulties and in need of specialized services. They often require expensive equipment and support that will allow them to live a more convenient life.

Beyond doubt, taking care of the sector still seems to be a very challenging task for many, especially when only a limited number of resources are available. However, a wide array of organizations is willingly established to lend a helping hand for those who are in need of special assistance in terms of financial and physical accessibility. Such aids coming from these organizations are made possible through the so-called grants for special needs children.

Varying types of funding assistance are available nowadays through different sectors of the state and federal government and various philanthropic foundations and organizations. Services offered by them are basically in the forms of educational funding, recreational and after school activities, and healthcare assistance. And similar to other forms of proposals, writing and applying for funding assistance designed to help the population take time, yet very much fulfilling when done successfully. What you just need is to look for possible funders, may it be from the government or private institutions, which will fit to your needs accordingly.

Joining associations and charities at the local or even national levels can be your initial step to receive such financial assistance. Organizations offering services for specific special needs are accessible as well. Included in the lists are the following: National Dissemination Center for Children with Disabilities, Federation for Children with Special Needs, National Center for Learning Disabilities, American Action Fund for Blind Children and Adults, National Autism Association, Disabled Children's Relief Fund, and the like.

Similarly, seeking funds in the state and federal government can be your alternative. A number of sectors of the administration have a lot to offer in providing opportunities including college grants, scholarships and educational loans for students, and assistance programs for disabled kids.

Grants for special needs children are, indeed, readily available for the needy ones. The Internet can be a great medium through which people can find prospective foundations or agencies tailored to assist them with their necessities. Seek for their help and comply with the requirements indicated. Once you have identified your needs, you can now start preparing for proposal writing. Remember that in applying for financial assistance, you have to explain yourself in a convincing way in order for the provider to comprehend the situation. Medical records and other information are very important in the application process for these documents will be deliberated keenly. Submit the grant on or before the deadline. Most importantly, you have to communicate with the funding organization since this will enable you to address queries and concerns regarding the matter.

We are very fortunate that we have these organizations, foundations, and government agencies that are really in the zone of helping other. Through their assistance and support, they actually touch the lives and positively enrich the future of every disabled kid. By means of the grants for special needs children, we are giving them the hope to have a better way of living.

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How to Apply For Free Grants

How to Apply For Free Grants

The one thing that is certain about our economy is that most people can always use more money - especially when they are trying to do something productive, such as going to school for the first time, going back to school or starting a business. While it seems the only option for obtaining money is to take out a loan for assistance, many don't know there are millions of dollars in free grants sitting around waiting for someone to claim it. So why don't people know about this free money? Because it is often not advertised. But now there are websites popping up that are assisting in bridging the gap between the grantor and potential grantee. In this article I will explore some of the websites that provide useful information to help you apply for free grants.

Creditfederal.com

Creditfederal.com is great website to learn more about the many ways to apply for free grants. According to their website, "Credit Federal provides and maintains Government Grant and Unclaimed Property links as a free public service and is not a grantor." This means that they are not the ones specifically passing out grants. However, they have taken the initiative to combine and continuously update all of the information out there for you. So if you're looking for federal student assistance, government food assistance, Medicaid help, or even your own unclaimed money, Credit Federal has that information and is ready to help you. Check them out!

Grants.gov

Grants.gov is a fantastic source to not only find, but apply for free grants from the government. This site is co-run by the U.S. Department of Health and Human Services who has the intention of dispersing all available grant money to qualified applicants. So your objective should then be to see what grants you are eligible for.

In order to apply for free grants through Grants.gov you must first search for grants through their tracking system. Once you have selected the one or more grants you're interested in applying for, you will begin the application process. First you will download the grant application package, which you then can complete offline. Full instructions are provided in the package as well as an online tutorial. Once you are ready to submit, you click Save then click the Submit button and your application is ready to go. The application process can take anywhere from 3 days to 2 weeks to complete, but you can track its status anytime on their Track Your Application page. Once everything is done, you'll find out whether you've been approved - let's hope you were - then you're finished. It doesn't get easier than this!

FinancialFreedomExpress.com

Financial Freedom Express is a website that assists potential applicants in finding general government, college, business, personal, health care and private grants. They offer a government grants guide that will help you apply for free grants with little hassle. They profess to have been created for the "do-it-yourself grant seeker who is interested in seeking out and applying for the grant, loan, and scholarship programs that he or she is eligible for." And to assist you, they have you start by choosing the grant type you are interested in pursuing, whether it be for college, business or personal.

Once you select your grant type, you are taken to a list of information regarding that particular grant type, including list of ways you may be eligible. Then you are instructed to download the grants guide, which you find out costs $9.99. While it may not seem fair to have to pay for this information, depending on your needs, it may be worth it to shell out a few bucks to receive a boatload of information that will eventually help you more than cover the purchase. But they assure you that with the purchase you will gain access to over 670 pages of free money information, so you may want to give a try - the choice is yours.

FAFSA.ed.gov

FAFSA (Free Application for Federal Student Aid) is probably one of the most well-known places to begin your federal financial aid process. If you are looking to apply for free grants for your college experience, this is typically where you start, unless you are working through a private institution or organization. It is best to fill out there FAFSA as soon as possible after the calendar year begins (and after you have filed your federal taxes) because money is given on a first-come, first-served basis. On the FAFSA website they explain all of the information needed to get started and even provide an online application for once you're ready. Also, school counselors and financial aid offices are very helpful in getting you started. So if you want government assistance for school, this is the way to go.

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How to Fill Out the FAFSA Application Online

How to Fill Out the FAFSA Application Online to Get Federal Student Loans

Federal Student Aid can help pay for secondary education beyond high school to eligible individuals. It is federally funded financial assistance to help students and families pay for college. The FAFSA application is free and the benefits will last a lifetime.

To apply for financial aid, an applicant must fill out a FAFSA, which stands for Free Application for Federal Student Aid. This application will determine eligibility for receiving financial assistance for college based on the data provided, which includes personal information, income, parent's income (if applicable), spouse's income (if applicable), dependents, assets, housing situation, and any other government programs participated in by the applicant.

The FAFSA can be completed quickly and easily online. It is split into sections and there are helpful directions and tips for each question. It is necessary to have the federal tax return from the previous year in order to fill out the financial section of the FAFSA.

Section One - Student Personal Information:

This section requires the legal name, current address, social security number, date of birth, telephone number, driver's license state and number, email, citizenship status, marital status, state of legal residence, gender, information regarding any conviction for the possession or sale of illegal drugs that occurred while receiving any form of federal student aid, parents' education level, high school information and completion status, student classification for the upcoming school year, degree or certificate working towards, and whether work study should be considered.

Section Two - Student Financial Information:

This section requires information contained on the tax return from the prior year. It conveniently directs the applicant to the precise lines on the federal tax return that contain the information requested. Spouse's income is included in this section as well. The applicant must also list the total value of family assets, including cash, checking and savings accounts, real estate investments (excluding the home where the applicant currently resides), and businesses or investment farms (excluding family businesses or family farms that have less than 100 full time equivalent employees).

This section also requires the applicant to disclose any education credits received, child support paid for children not living at home, other taxable earnings like Federal Work-Study, other taxable student aid such as grants or scholarships, any taxable combat or special combat pay, or any cooperative education program income. Information regarding untaxed income will also need to be reported here, including payments made to tax-deferred savings plans or pensions, IRA deductions and payments for self-employed applicants, child support received (excluding payments for foster care or adoption), any tax-exempt interest income, untaxed IRA distributions or pensions (excluding rollovers), living allowances paid to military, clergy, or anyone else, non-education Veteran's benefits, and any other untaxed income (worker's compensation, disability, etc.).

Section Three & Four - Parent Determination:

The questions in this section will help determine whether the applicant needs to include parent information when applying for financial assistance. If the applicant can answer "yes" to any of the 13 eligibility questions in this section, they are exempt from needing to include parent information and can skip this section entirely. If the applicant answers "no" to any of the 13 questions in this section, they must have their parent(s) fill out Section Four, which will ask similar information of the parents as it did for the applicant.

Section Five - Household:

This short section asks how many people are in the applicant's household and of those people, how many will be college students during the year the applicant is applying for federal aid. It also asks if anyone in the household is receiving any federal benefits, such as TANF, WIC, SSI, food stamps, or free/reduced lunches. The final question of this section is whether the applicant is a dislocated worker.

Section Six - Schools:

This section is solely for entering the colleges or universities the applicant is interested in attending.


Section Seven - Signatures:

This section is for the applicant and their parent (if applicable) to sign, verifying all information presented is true and correct.

It is important to fill out a FAFSA as soon after January 1st as possible since federal financial aid and college grants are distributed on a first come, first served basis. The application process is simple and easy to follow, albeit time consuming since it requires many details about income and financial information. The FAFSA will calculate the applicant's EFC - expected family contribution. This amount will determine the applicant's financial need and whether the applicant is eligible to receive federal financial aid.

Once financial aid is awarded, it will be distributed first to the college or university the applicant is attending and will go towards paying tuition, fees and books. Any remaining funds that are unused will then be distributed to the student directly.

To learn more about Federal Grants and aid for college be sure to visit the FindCollegeGrants.com website which features in-depth guides and resources on numerous topics such as pell grants, college grants for women, grant money for adults and seniors, grants for minorities, and much more.

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Get Money for College Student Aid Eligibility

Get Money for College Student Aid Eligibility

Eligibility for federal student aid is based on financial need and on several other factors. The financial aid administrator at the college or career school you plan to attend will determine your eligibility.

To receive aid from our programs, you must demonstrate financial need (except for certain loans).
have a high school diploma or a General Education Development (GED) certificate, pass an ability-to-benefit (ATB) test approved by the U.S. Department of Education, meet other standards your state establishes that the Department approves, complete a high school education in a home school setting that is treated as such under state law, or have satisfactorily completed six credit hours or the equivalent course work toward a degree or certificate. Be enrolled or accepted for enrollment as a regular student working toward a degree or certificate in an eligible program. Note: You might be able to receive aid for distance education courses as long as they are part of a recognized certificate or degree program.

be a U.S. citizen or eligible noncitizen.
have a valid Social Security Number.

Register with the Selective Service if required. You can use the paper or electronic FAFSASM to register, you can register at www.sss.gov, or you can call 1-847-688-6888. (TTY users can call 1-847-688-2567.)
maintain satisfactory academic progress once in school.

certify that you are not in default on a federal student loan and do not owe money on a federal student grant.
certify that you will use federal student aid only for educational purposes.

The Higher Education Act of 1965 as amended (HEA) suspends aid eligibility for students who have been convicted under federal or state law of the sale or possession of drugs, if the offense occurred during a period of enrollment for which the student was receiving federal student aid (grants, loans, and/or work-study). If you have a conviction(s) for these offenses, call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243) or click here to complete the "Student Aid Eligibility Worksheet" to find out how this law applies to you.

If you have lost federal student aid eligibility due to a drug conviction, you can regain eligibility if you pass two unannounced drug tests conducted by a drug rehabilitation program that complies with criteria established by the U.S. Department of Education.

Civil Commitment for Sexual Offenses - A student subject to an involuntary civil commitment after completing a period of incarceration for a forcible or nonforcible sexual offense is ineligible to receive a Federal Pell grant.

Even if you are ineligible for federal aid, you should complete the FAFSA because you may be eligible for nonfederal aid from states and private institutions. If you regain eligibility during the award year, notify your financial aid administrator immediately. If you are convicted of a drug-related offense after you submit the FAFSA, you might lose eligibility for federal student aid, and you might be liable for returning any financial aid you received during a period of ineligibility.

If you have a question about your citizenship status, contact the financial aid office at the college or career school you plan to attend.


Intellectual disabilities
Students with intellectual disabilities can receive federal student aid under the Federal Pell Grant Program, FSEOG Program and Federal Work-Study Program. To be eligible, you must

be enrolled or accepted for enrollment at an institution of higher education in a comprehensive transition and postsecondary (CTP) program for students with intellectual disabilities that the U.S. Department of Education has determined to be eligible for Title IV aid (Click here for a list of institutions with Title IV eligible CTP programs);
be maintaining satisfactory progress; and
meet the other student eligibility criteria.

How will I know what I'm eligible for?

The information you reported on your FAFSA is used to determine your Expected Family Contribution (EFC), which is calculated by a formula established by law. The EFC is not the amount of money that your family must provide. Rather, you should think of the EFC as an index that colleges use to determine how much financial aid (grants, loans or work-study) you would receive if you were to attend their school. If your EFC is below a certain number, you’ll be eligible for a Federal Pell Grant assuming you meet all other eligibility requirements.

You can get worksheets that show how the EFC is calculated by downloading them from our Web site at www.studentaid.ed.gov/pubs. Click on the award year appropriate to you under "EFC Formula."

The amount of your Pell Grant depends on your EFC, your cost of attendance (which the financial aid administrator at your college or career school will figure out), and your enrollment status (full time, three-quarter time, half time, or less than half time).

For our other aid programs, the financial aid administrator at your college or career school takes your cost of attendance and then subtracts your EFC, the amount of a Federal Pell Grant you are eligible for, and aid you will get from other sources. The result is your remaining financial need:

Cost of Attendance
- EFC
- Federal Pell Grant Eligibility
- Aid From Other Sources
= Remaining Financial Need


If you're attending at least half time, your cost of attendance is the sum of

your actual tuition and fees (or the school's average tuition and fees)
the cost of room and board (or living expenses for students who do not contract with the school for room and board)
the cost of books, supplies, transportation, loan fees, and miscellaneous expenses (including a reasonable amount for the documented cost of a personal computer)

an allowance for dependent care
costs related to a disability
reasonable costs for eligible study-abroad programs.

Costs unrelated to the completion of a student's course of study are not included in calculating that student's cost of attendance.

A financial aid administrator can consider special or unusual circumstances such as unusual medical expenses, tuition expenses, or unemployment and can adjust your cost of attendance or some of the information used to calculate your EFC. The financial aid administrator at your college or career school also can change your status from dependent to independent but only under specific circumstances the aid administrator will explain. You'll have to provide your college or career school with documentation to justify any change. The decision to change or not to change your dependency status is based on the aid administrator's judgment, and it's final. It can't be appealed to the U.S. Department of Education.

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Source: http://studentaid.ed.gov/PORTALSWebApp/students/english/aideligibility.jsp


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Student Aid Eligibility

Eligibility for federal student aid is based on financial need and on several other factors. The financial aid administrator at the college or career school you plan to attend will determine your eligibility.

To receive aid from our programs, you must

demonstrate financial need (except for certain loans).
have a high school diploma or a General Education Development (GED) certificate, pass an ability-to-benefit (ATB) test approved by the U.S. Department of Education, meet other standards your state establishes that the Department approves, complete a high school education in a home school setting that is treated as such under state law, or have satisfactorily completed six credit hours or the equivalent course work toward a degree or certificate.
be enrolled or accepted for enrollment as a regular student working toward a degree or certificate in an eligible program. Note: You might be able to receive aid for distance education courses as long as they are part of a recognized certificate or degree program.
be a U.S. citizen or eligible noncitizen.
have a valid Social Security Number.
register with the Selective Service if required. You can use the paper or electronic FAFSASM to register, you can register at www.sss.gov, or you can call 1-847-688-6888. (TTY users can call 1-847-688-2567.)
maintain satisfactory academic progress once in school.
certify that you are not in default on a federal student loan and do not owe money on a federal student grant.
certify that you will use federal student aid only for educational purposes.
The Higher Education Act of 1965 as amended (HEA) suspends aid eligibility for students who have been convicted under federal or state law of the sale or possession of drugs, if the offense occurred during a period of enrollment for which the student was receiving federal student aid (grants, loans, and/or work-study). If you have a conviction(s) for these offenses, call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243) or click here to complete the "Student Aid Eligibility Worksheet" to find out how this law applies to you.

If you have lost federal student aid eligibility due to a drug conviction, you can regain eligibility if you pass two unannounced drug tests conducted by a drug rehabilitation program that complies with criteria established by the U.S. Department of Education.

Civil Commitment for Sexual Offenses - A student subject to an involuntary civil commitment after completing a period of incarceration for a forcible or nonforcible sexual offense is ineligible to receive a Federal Pell grant.

Even if you are ineligible for federal aid, you should complete the FAFSA because you may be eligible for nonfederal aid from states and private institutions. If you regain eligibility during the award year, notify your financial aid administrator immediately. If you are convicted of a drug-related offense after you submit the FAFSA, you might lose eligibility for federal student aid, and you might be liable for returning any financial aid you received during a period of ineligibility.

If you have a question about your citizenship status, contact the financial aid office at the college or career school you plan to attend.


Intellectual disabilities
Students with intellectual disabilities can receive federal student aid under the Federal Pell Grant Program, FSEOG Program and Federal Work-Study Program. To be eligible, you must

be enrolled or accepted for enrollment at an institution of higher education in a comprehensive transition and postsecondary (CTP) program for students with intellectual disabilities that the U.S. Department of Education has determined to be eligible for Title IV aid (Click here for a list of institutions with Title IV eligible CTP programs);
be maintaining satisfactory progress; and
meet the other student eligibility criteria.

How will I know what I'm eligible for?
The information you reported on your FAFSA is used to determine your Expected Family Contribution (EFC), which is calculated by a formula established by law. The EFC is not the amount of money that your family must provide. Rather, you should think of the EFC as an index that colleges use to determine how much financial aid (grants, loans or work-study) you would receive if you were to attend their school. If your EFC is below a certain number, you’ll be eligible for a Federal Pell Grant assuming you meet all other eligibility requirements.

You can get worksheets that show how the EFC is calculated by downloading them from our Web site at www.studentaid.ed.gov/pubs. Click on the award year appropriate to you under "EFC Formula."

The amount of your Pell Grant depends on your EFC, your cost of attendance (which the financial aid administrator at your college or career school will figure out), and your enrollment status (full time, three-quarter time, half time, or less than half time).

For our other aid programs, the financial aid administrator at your college or career school takes your cost of attendance and then subtracts your EFC, the amount of a Federal Pell Grant you are eligible for, and aid you will get from other sources. The result is your remaining financial need:

Cost of Attendance
- EFC
- Federal Pell Grant Eligibility
- Aid From Other Sources
= Remaining Financial Need


If you're attending at least half time, your cost of attendance is the sum of

your actual tuition and fees (or the school's average tuition and fees)
the cost of room and board (or living expenses for students who do not contract with the school for room and board)
the cost of books, supplies, transportation, loan fees, and miscellaneous expenses (including a reasonable amount for the documented cost of a personal computer)
an allowance for dependent care
costs related to a disability
reasonable costs for eligible study-abroad programs.
Costs unrelated to the completion of a student's course of study are not included in calculating that student's cost of attendance.

A financial aid administrator can consider special or unusual circumstances such as unusual medical expenses, tuition expenses, or unemployment and can adjust your cost of attendance or some of the information used to calculate your EFC. The financial aid administrator at your college or career school also can change your status from dependent to independent but only under specific circumstances the aid administrator will explain. You'll have to provide your college or career school with documentation to justify any change. The decision to change or not to change your dependency status is based on the aid administrator's judgment, and it's final. It can't be appealed to the U.S. Department of Education.

Nursing School Scholarships

Thankfully for the prospective nursing student, nursing is a field that has an abundance of scholarships and grants available. This article covers one specific avenue available to prospective nursing students and that is the nursing school scholarship. Subsequent articles cover grants and other forms of financial aid available to nursing students.

To begin, scholarships basically fall into three main categories: need-based, merit-based or what is referred to as "service-based".

Luckily there quite a few nursing school scholarships available. Government scholarship funding is generously allocated to nursing programs across the country. Nearly every state has some kind of grant or nursing school scholarship program available for prospective and continuing nursing students.

There is also an ample source of private foundations that offer one-time and continuing nursing school scholarships. Private and professional organizations often offer scholarship support as well. Even the five military branches offer scholarships for enlisted personnel (sometimes even their immediate families) who wish to obtain a degree in nursing.

Need-based Scholarships

Need-based nursing scholarships are awarded based on the financial need of the prospective or continuing student or to members of social groups that have poor representation (in numbers of enrolled students) in colleges and universities. Some need-based scholarships focus on specific ethnic groups, such as Hispanic, Arabic, Japanese or African American. These nursing scholarships are also available to people with disabilities.

Merit-Based Scholarships

Merit-based nursing scholarships are awarded by a either a college or university or sometimes a private group or foundation. These scholarships often require a lengthy essay or an in-person interview with their scholarship committee that is in charge of selecting the scholarship recipients. Prospective nursing students are often required to submit a reference letter from an employer or past (or current) teacher to the scholarship committee. Recipients are determined by the scholarship committee based on student's past and current academic achievements sometimes considering the student's participation in a type of community service.

Service-Based Scholarships

Th United States government often sponsors nursing scholarships to students. The U.S. government also has various nursing scholarships in the Veterans Affairs Health Careers and the National Health Service Corps. After graduation, recipients of nursing school scholarships are then required to fulfill their contract with the U.S. government and serve between two and eight years in one of the five military branches, depending on the agreed upon arrangement when the scholarship was obtained.

Nursing school scholarships can be found in:

Professional Scholarship Associations

Government and Military Scholarship programs

Private foundations

Professional Association Scholarships

Many professional groups have an interest in producing and hopefully obtaining well educated graduates in the nursing field. Often professional organization hopes the nurse they invested in will return their investment by studying research, current trends and advancements in various technologies that could positively affect their patient holdings. With this methodology, professional associations often encourage the best qualified candidates to reach their nursing school goals.

Professional associations can also be based on educational history. They often draw upon or consult The American Association of Colleges of Nursing who connect professionals in colleges and universities.

Organizations of this nature can also emphasize certain locations to special experiences. Their financial aid awards can be limited in scope.

Government and Military Scholarships

The United States government offers nursing scholarships to students across the nation. The National Health Service Corps encourages students to serve in struggling locations in return for financial aid. The Us Department of Health also sponsors several forms financial aid to nursing students.

Any of the five U.S. military branches may also offer financial aid for nursing students. Most often, students must be ROTC members. The Army, Air Force, Coast Guard, Marines and Navy all offer financial aid to assist with nursing schools.

While this list has only cursively discussed the opportunities available to those interested in getting a degree in nursing, there are many more avenues and combinations of scholarships that can be explored. In subsequent articles we will discuss nursing grants and repayable financial aid.

Scotty Tirlington is a Male nurse from Houston, Texas. Having graduated in 2007 from the Texas Health School he enjoys providing nursing care to those in need and in his off time, Scotty writes for nursing schools in Houston an informative website for all aspiring Houston nurses and those that want to continue their education and advance their career.

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Pell Grant for education

Pell Grant for education

A Pell Grant is money the U.S. federal government provides for students who need it to pay for college. Federal Pell Grants are limited to students with financial need, who have not earned their first bachelor's degree or who are not enrolled in certain post-baccalaureate programs, through participating institutions.

[1] The Pell Grant is named after U.S. Senator Claiborne Pell, Democrat of Rhode Island, and was originally known as the Basic Educational Opportunity Grant.A Pell Grant is generally considered to be the foundation of a student's financial aid package, to which other forms of aid are added.

[2] The Federal Pell Grant program is sponsored by the United States Department of Education which determines the student's financial need. The U.S Department of Education uses a standard formula to evaluate financial information reported on the Free Application for Federal Student Aid (FAFSA) to determine the student's expected family contribution (EFC).

[3] The Pell Grant is covered by legislation titled the Higher Education Act of 1965 (HEA), Title IV, Part A, Subpart 1; 20 U.S.C. 1070a. These federal funded grants are not like loans and do not have to be repaid. Students may use their grants at any one of approximately 5,400 participating postsecondary institutions.
These federally funded grants help about 5.4 million full-time and part-time college and vocational school students nationally.

[4] For the 2010–2011 school year, 7 of the top 10 colleges by total Pell Grant money awarded were for-profit institutions.

[5] This may be in part due to the large enrollment numbers at many of these institutions; in Arizona for example, University of Phoenix had an enrollment of 380,000 students.

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Source: http://en.wikipedia.org/wiki/Pell_Grant


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Federal Grants for Single Mothers

Federal Grants for Single Mothers

Millions of American women are single mothers, some by choice and others by chance. Raising a family is hard enough in a two parent home, and getting by with only one income is difficult. Fortunately, there are many federal grants available to single mothers in America. The Internet has made the application process much more convenient, and single mothers should be confident that help is not impossible to find.State Grants for Single Mothers Government Grants for Single Mothers in College

Basic Necessities

Singlemom.com is an excellent forum for single mothers. According to the site's article on "Basic Needs Resources," single moms can apply for a number of federal grants that provide financial aid for basic needs, such as food and child care. A common source of aid for many single mothers is food stamps, issued by the United States Department of Agriculture. The application process can be completed online in many states. Women, Infants and Children (WIC) is another invaluable source of aid.


Educational Grants

Although the federal government does not have an educational program specified for single mothers, it does disperse substantial amounts of money for college funding. As noted at Federalstudentaid.ed.gov, these loans often have lower interest rates than private loan companies offer, and they also take income into account before deciding on loan terms. The first step in applying for a federal student loan is to fill out the Free Application for Federal Student Aid. This form is easy to complete and begins the process of funding a college education.

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Free Government Grants
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Federal Student Grants
Federal College Grants

Federal Grant Money Aid Source

Federal Grant Money Aid Source

Federal grants are financial assistance given by the United states government to support groups and agencies. There are grant programs being offered by federal agencies, every year there are about 1,000 grant programs offered. Grants can be used by the non-profit and non-government organizations like foundations and charities. Visit to - http://www.fedgrantsmoney.org

Those who can apply for a grant should establish that they are organizations established for public purpose. Federal grants are provided to increase the capability of the organization to provide public service and public-driven activities.

Aside from encouraging non-government organization to assist the public, federal grants also help the federal government to establish a working relationship and partnership with other organizations without spending too much.These grants also help in combining resources and expertise from the government and those in the non-government organizations for the benefit of the public.One thing is clear with federal grants though, it cannot be used to acquire or buy any property or services for the benefit of the federal government. But it can be used by any means by the recipient through any kind of activities created by the organization or by any means following the restrictions created by federal government who granted the assistance.

Even with the intention of helping out the public, the grant cannot be used on any expeditious method of acquiring services. There are always requirements and particularities mentioned in the contract upon the presentation of the grant.

The truth is federal grant is not “free money or financial aid”. A grantee or the recipient of the grant is required to fulfil obligations expected by the federal government who awarded the grant. If the recipient for any reason failed to comply with the responsibilities that the grant requires, the recipient would definitely face legal woes.Most of the projects by non-government organization who received a grant would include re-training of workers who have just recently lost their jobs, projects that would attract investors in depressed localities, street or road projects, and other projects or programs similar to these.

Aside from fulfilling the obligations awarded along with the grant, the recipient should also be prepared for complete financial auditing that the government will do. The grant money spent should be properly accounted for and have followed the restrictions that come with grant money. The money not spent is forwarded to the National Treasury. If there would be changes while the grant money is being used, the government should be notified and approve the said changes. If there is a time frame or project phasing, the dates should be met accordingly.Usually, a grant will be take as long as 3 years. All those three years should be properly accounted for. Government audits are done at least annually. Not following these rules or any guidelines stated by the grant could result to imprisonment due to theft of public funds and other economic and legal trouble.

Federal grants also have similar programs outside the united states. There are subsidies offered by other countries’ governments to charities and foundations to subsidize and continue their projects.To acquire for a grant, it is important to prepare it like how you prepare a business plan. When writing or applying for a grant, the reasons for applying and the how to public will benefit from the project should be clearly stated. You would like to make an impact on the federal agency reviewing the federal grant application.Government money came from the public, therefore it is important to make sure that the public’s money serve the people. And that is what federal grants are for http://www.fedgrantsmoney.org.

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Federal Grants For Individuals

Federal Grants For Individuals

Ever year, billions of dollars in federal grants for individuals are given away to American citizens who apply and qualify to receive some of this free money that never has to be repaid. As long as you are at least 18 years old and a US citizen, you can submit a federal grant application and potentially receive thousands of dollars for your personal use.

When you search the grant database to view the list of available grants, the first thing you you will realize is that there are thousands of government grants. While many of these are for organizations, research and community development, there are many federal grants for individuals that you can apply for. For instance, there is free money for first time home buyer, investors, single mothers, and those who need help paying off debt. There are even grants to help students pay for school, and this is all money that never has to be paid back.

Because federal grants for individuals are not loans, applying for these funds is different than any other type of financial aid that you may have requested in the past. There is no credit check or credit history required, you do not need a down payment, and there is no need for a co-signer or collateral. As long as you meet the qualifications and your grant is approved, you could receive as much as $50,000 in free money that you never have to repay. Most Americans are not aware that this money exists, but those who have the resources to find and apply for free government money have an opportunity to receive federal grants for individuals.

Instantly access to the database to get your free grant money . See how much you can qualify to receive and obtain your check in as little as 7 days just by asking for free government money 

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Federal Grant Money To Successfully Improvize Your Place

The federal government supplies a quantity of packages designed to help citizens with home and home repairs. 1 of the packages administered by means of the US Department of Agriculture Office of Non-urban Improvement presents grants and lending options to owner-occupants of really low-income housing for home improvement and repairs. Recognized as Segment 504 lending options and grants the program was authorized by the Housing Act of 1949.

The plan offers financial loans for normal repairs to the owner's house and the resources mostly directed at alleviation of well being and security issues. Federal Grant Money are also awarded for the elimination of wellbeing hazards and for remodeling initiatives that make the dwellings a lot more accessible to people with disabilities. The mortgage or grant money can also be employed for common modernization of the house.
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Usually the grants and lending options are produced for infrastructure improvements to the property's heating, electrical or plumbing programs. Especially given the present emphasis on power conservation and green projects, numerous of the awards are targeted on weatherization of the low-revenue properties.

Given that these grants and lending products are administered by the Department of Agriculture the plan is largely aimed at non-urban reduced-earnings places. To be qualified for this plan the dwelling need to be in an rural location with a population of much less than ten,000. In some cases the eligibility expands to regions with up to 25,000 folks when the community is not integrated in a Metropolitan Statistical Area.

Loans variety up to $twenty,000 for qualified people and carry an interest charge of a single % with up to a 20 year time period for repayment. Grants can go as large as $7,500 and as the phrase implies do not have to be repaid.

To be eligible for grant funding the home proprietor ought to be over 62 and not have the capability to repay a mortgage.

The Department of Agriculture Web site supplies access to maps and income calculators to help determine dwelling and earnings eligibility for the Really Reduced-Cash flow Housing Restore Lending options and Grants program.

For more information on Federal Grant Money check out Michael Saunders' Web site which gives a extensive resource on Federal Government Grants. He has an MBA from the Stanford Graduate College of Business and is president of Info Organizers.

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Federal Grant Money For College - How to Get It

In 2009, the Obama administration decided to allocate billions of dollars toward the stimulus package designed to help boost the American economy. Many jobs were created and many programs are also initiated including federal aid designated for students going to college. Depending upon your level of income, you can qualify or some of this money that can help you pay for college, especially if you are a single parent or low income. Here are a few ways to get federal grant money for college using a few simple steps.

The FAFSA is the very first form that you must fill out prior to even going to college. You will list on this form the colleges that you want this information sent to wants it is processed by the government. This information will be used by your university to determine your eligibility for funding as well as how much you will receive.

The problem with this is that you are limited by a cap of about $10,000. If you are trying to find a way to gain more funding that will help you pay for things such as room and board and books for your classes, you need to go above and beyond what is allocated through this grant create

If you are going to a state college, for instance, they often offer scholarships worth thousands of dollars for people that take the time to apply. This is not something that is simply given out. You must fill out a separate form and usually mail it in to the university that you were attending so that they can determine your eligibility.

Another possible source of income is working within the university itself. They will pay you a base rate as you work in an area that is related to your major. For instance, if you are going for an archaeological degree, and you are working with the professor in a capacity that is related toward this subject matter, you will not only get a paycheck but also work credits that may be necessary for graduating.

Another possibility is to apply for grants that are only given to those in certain majors by private institutions that are working with your school. This, of course, requires you to fill out additional paperwork. You may also have to attend meetings to update your philanthropic sources, but in the end you will have thousands of extra dollars to live off of.

Federal grant money for college is the best place to start. Once you have taken the 40 minutes to fill out the federal forms, and you have hit the submit button on their website, you can be guaranteed to receive a response within a few weeks that the application process is in motion and about a couple months later you will receive your letter of acceptance or rejection based upon their qualification levels.




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