Grants for College

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What are Grants for College?

College grants are a kind of financial aid that you don't need to pay back. You might use a grant to pay for tuition, books, housing and other school expenses.

Like a scholarship, grants for college are free money that you can use to fund your education. Unlike student loans which you have to reimburse, you only pay back a grant under a few conditions. For instance, if you withdraw early from a program or change your enrollment status.

What are the differences between grants and scholarships?

Both scholarships and grants are forms of gift aid. This means, it is money you can use for college that you do not need to earn or repay. Either a grant or a scholarship may help you answer the question “how can I pay for college without going into debt?” But the terms are not interchangeable.

Grants are usually awarded based on student financial needs. Popular grants that college students apply for are available through:

  • Federal government
  • State/local governments
  • Colleges, universities, career schools

Scholarships are usually awarded based on student merit. Things like academic, athletic or artistic talents. Many scholarships are available through:

  • Private or community foundations
  • Philanthropists
  • Unions
  • Non-profit and for-profit corporations.

Who Can Get Grants for College?

The number of students attending 4-year colleges and receiving aid is on the rise.

At last count, the federal government awarded $30 billion dollars in need-based grants. Recent figures show that 63.3% of college undergraduates receive grants. The average amount of grant money received by a college student is $7,400.

Eligibility to receive a grant for college tuition varies. But to qualify for federal student aid one needs to meet a few basic requirements. These are:

  • Show financial need
  • Be a U.S. citizen or eligible non-citizen
  • Have a valid Social Security number (with the exception of students from the Republic of the Marshall Islands, Federated States of Micronesia, or the Republic of Palau)
  • Be registered with Selective Service
  • Be enrolled or accepted for enrollment as a regular student in an eligible degree or certificate program
  • Maintain satisfactory academic progress in college or career school
  • Sign the FAFSA, committing to the terms
  • Show you are qualified to obtain a college or career school education (E.g. show your GED or high school diploma)

Types of College Grants for Students

Grants for college are more often need-based but some are merit-based too. These grants may have a performance indicator. This might mean you need to maintain your GPA at certain level.

Merit-based grants often factor in an applicant’s grades, commitment to community service and leadership. Instead of your family income. Receiving one might add some prestige to your college transcripts. Your home state may have a variety of grants like this.

Federal grants that pay for college

The U.S. Department of Education (ED) offers a range of federal grants. These need-based grant programs provide free college money. They are usually for students attending four-year colleges or universities, community colleges, and career schools. The amount of money each person receives may depend on:

  • Your financial need (EFC)
  • Cost of attending the college of your choice
  • Enrollment status (full- or part-time)
  • Length of Enrollment (full- or partial-year)

The EFC is your Expected Family Contribution. In other words, what you can afford to pay for college. State grants may boost your college fund too. This can help if your EFC is low, and your federal financial aid doesn’t cover your tuition.

To come to a number, an EFC asks for several things. Your family's taxed and untaxed income, assets, and benefits. Benefits include unemployment or Social Security. It might also factor in in the size of your family and if more than one person will be attending college in the same year.

The four main types of federal grants that provide funds for college are:

  1. Federal Pell Grant. A grant usually awarded to undergraduate students so have not yet earned a degree
  2. Federal Supplemental Educational Opportunity Grant (FSEOG). A grant some schools take part in that assist low income undergraduate students
  3. Teach Grant. A grant that helps pay for college if you plan to become a teacher in a high-need or low-income area
  4. Iraq and Afghanistan Service Grants. A grant for children of a parent/guardian who died in service in Iraq or Afghanistan

How do I apply for free grants to pay for college?

When looking for federal grants to pay for college, there are some steps to take:

  1. Fill out the FAFSA. Both federal and state governments give out college grants. To find out if you qualify and to become eligible, you need to fill out a standard form. This form is the Free Application for Federal Student Aid (FAFSA). The results allow colleges to figure out how much financial aid you qualify for. When filling it out, you’ll need your family’s tax returns, so plan ahead.
  2. Submit the FAFSA on time. One needs to file the FAFSA on or ahead of the June 30 deadline. But many states and colleges have earlier deadlines for financial aid. You can find your state’s deadline on the Federal Student Aid website. Check with your college to take note of theirs too. To remain eligible, every year you attend school, you’ll need to fill out a FAFSA, so mark your calendar.
  3. Wait for your financial aid letter. After you fill out your FAFSA and submit it on time, you wait for a financial aid award letter. These come from the colleges that accepted you. This award letter will tell you if you are eligible for any college grants or other financial aid. Like scholarships, work-study, and federal student loans. You may accept all the aid offered to you but do not have to. In fact, it is a good idea to understand what the terms are so there are no surprises.

What other grants can I apply for?

Some organizations and corporations also sponsor grants. These grants often reward students who excel in high school and plan to study in a specific field. They may line up with colleges that have these programs. Or, allow a student to use the money at the college of their choice. Free college grant money may be available if you fall into one or more of the following categories too:

  • Women. One example is the Career Development Grant. It is available through the American Association of University Women Educational Foundation (AAAUW)
  • Minority groups. One example is the Wisconsin Minority Undergraduate Retention Grant. It is available through the State of Wisconsin Higher Educational Aids Board
  • Foster care youth. One example is the VA Tuition Grant for Foster Care Children. It is available through the State Council for Higher Education for Virginia
  • State Grants that Pay for College

    The Department of Education in your state may help you find grants to help you pay for college. Most states offer need-based college grants in amounts determined by your FAFSA. You may need to maintain a GPA, be a resident and/or pursue specific majors.

    Top Grants for College

    In addition to federal grants for college, many grants may be available within your home state. Here are the top grants that may help you pay for your college education.

Women Divers Hall of Fame Scholarship and Training Grants

The members of Women Divers Hall of Fame (WDHOF) are an elite group that includes the most notable women leaders and innovators in the diving community. To celebrate the Women Divers Hall of Fame 20th Anniversary, they will award 20 training grants for open water dive training. These grants are open to any and all women of any age, from anywhere in the world, who want to learn how to dive. If you are already certified to dive, you are not eligible to apply for this grant. Each award is $1000. ...

Total: $1000 Awards:  10
Deadline:  May 31

Academic Competitiveness Grant (ACG, SMART Grants)

Academic Competitiveness Grants (ACG) are need-based grant programs to complement the Federal Pell Grant Program. They are awards for first- and second-year undergraduates who completed a rigorous high school curriculum. To receive an ACG, a first-year student must have completed secondary school after Jan. 1, 2006; and not have been enrolled in an ACG-eligible program while at or below the age of compulsory school attendance. This applies unless the ACG-eligible classes were also part of the s...

Total: $10 Awards:  10
Deadline:  June 30

Federal Supplemental Educational Opportunity Grant (FSEOG)

An FSEOG Grant is a type of needs-based federal aid but works differently from the Pell Grant. FSEOG funds issued from the government go to schools that take part in the program. No more FSEOG awards can be made for a year once the school uses all the funds. Eligible students receive their grant money once per term. The school may issue credit to the student’s account and/or pay them directly.

Total: $4000 Awards:  4000
Deadline:  June 30

NY Part-time TAP Program

This award is available to New York resident undergraduate students who are enrolled part-time at an eligible postsecondary institution in New York. Students must demonstrate financial need and must meet the income and asset limits set by the NY State commission.

Total: $4735 Awards:  1000
Deadline:  June 30

Iraq and Afghanistan Service Grant

The Iraq and Afghanistan Service Grant is a federal grant. It is for those whose parent or guardian died as a result of military service in Iraq or Afghanistan post 9/11. To apply, one must have been younger than 24 years old or enrolled at least part-time at a college or career school at the time of the parent’s or guardian’s death.

Total: $5717 Awards:  10
Deadline:  June 30

Federal Pell Grant

A Federal Pell Grant is a source of financial aid. Usually, to receive a Pell Grant, you must be an undergraduate who has not yet earned a bachelor’s, graduate or professional degree. Unlike a loan, you do not have to repay it as long as you meet the conditions. These include withdrawing from your program early. Also, if you switch from full to part-time study, it may affect your grant amount. Receiving outside grants and scholarships that lessen your need for aid is another reason.

Total: $6195 Awards:  100
Deadline:  June 30

National Science Foundation, Research Experiences for Undergraduates

The Research Experiences for Undergraduates (REU) is available for undergraduate students who are conducting research in areas of study funded by the National Science Foundation.

Total: $5000 Awards:  50
Deadline:  August 26

Teacher Education Assistance for College and Higher Education (TEACH) Grant

A TEACH grant is a type of federal financial aid that is not based on need. It awards $4,000 per year to students studying in an eligible program. Students must also agree to teach in a high-need field as a certified teacher. They must commit to teach in this field for at least four years. Each student signs a service agreement to this effect. There is also required counseling to complete before receiving a TEACH Grant.

Total: $3752 Awards:  10
Deadline:  October 31

Korean Ancestry Grant

Set up by Dr. William Orr Dingwall with the purpose of supporting students in their pursuit of undergraduate and post-graduate degrees in a variety of fields, the foundation oversees the distribution of the Korean Ancestry Grants to students of Korean ancestry (and a limited number of exceptional students of other Asian ancestry) pursuing undergraduate degrees at accredited universities in the United States.

Total: $10000 Awards:  7
Deadline:  April 1

Montgomery GI Bill Active Duty

Montgomery GI Bill Active Duty is available for “regular” MGIB while on active duty, VA can pay you whichever is less: The monthly rate based on tuition and fees for your course(s); or your maximum monthly MGIB rate (basic rate plus any increases you may qualify for).Benefits are generally payable for ten years following your release from honorable active service.Rates for benefits vary.

Total: $24000 Awards:  10

Troops to Teachers

The Troops to Teachers Grant is available for Former and retired members of the Army, Air Force, Navy, Marine Corps and Coast Guard, Reserve components and National Guard may be eligible.

Total: $10000 Awards:  10

Kickass Single Mom Grant

Emma Johnson is a mom blogger. As of March 26, every week, Emma will away $500 cash to one single mom, no strings attached. The 2020 Kickass Single Mom Stimulus Grant has one goal: Give a hand to single moms struggling with money, health, stress, child care, illness and loneliness.

Total: $500 Awards:  1