Government Grants for Adults Who Want to Go Back to School | NEIT (2024)

If you’re an adult who wants to go back to school or college, you may be eligible for government grants and scholarships to ease your financial burden. These grants can help pay for your education without any need to return the money, so long as you complete your program.

College grants are typically given to students who demonstrate the most financial need. You can fill out the Free Application for Federal Student Aid (FAFSA) form before the application deadline to apply for the grants that you’re eligible for every year. After submitting your FAFSA form, schools will notify you of the amount you are eligible to receive.

Keep reading for more information about what government grants are available.

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Going Back to College?

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If you’ve decided to go back to college, then you’ve already taken a major first step in the right direction. Still, financing your education can be stressful.

Paying for tuition is a major hurdle for most Americans. Many students drop out due to a lack of funds, while others struggle to complete their education. Adult students often have family and work obligations that add to their financial burden.

Fortunately, there are opportunities, you will have a hassle-free experience when you go back to school. You can apply for a student loan, federal grants, state grants, and scholarships for non-traditional students. These programs could substantially reduce the cost of attendance for returning students.

In this article, we’ll be covering the various grants that you can apply for, their application process, and eligibility to help you fulfil your dream of a college education.

What are the types of Government Grants?

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The United States Department of Education (ED) offers numerous grants to students for attending a four-year program in colleges, universities, community colleges, and career schools. If you want to complete your education, these are the grants that you might be eligible for:

Federal Pell Grant

Federal Pell Grants are generally given to undergraduate students who have not earned their bachelor’s or graduate degrees. It is a need-based grant that is awarded to students who display exceptional financial needs. A student who has enrolled in apost baccalaureate teacher certification programmight also be eligible for this grant.

You must first successfully fill out the Free Application for Federal Student Aid (FAFSA) form. To stay eligible for federal grants, you have to complete theFAFSA formevery year until you complete your graduation or no longer require financial aid.

The maximum Federal Pell Grant you can get in the academic year 2021-22 (1st July 2021-30th June 2022) is $6,495.

  • Expected Family Contribution (EFC): The Federal Pell agency calculates your EFC based on your family’s income, assets, and other benefits you might be receiving. The higher the EFC, the lower is the grant that you’ll receive.
  • Cost of Attendance (COA): COA is a fixed amount decided by the college as per the program you enrol for. If your college determines the COA for attending a program is $20,000 and your EFC is $15,000, you will be eligible for a maximum of $5,000 as need-based aid.
  • Student Status: The amount varies for full-time and part-time students.
  • Completion of Course: You must attend college for the entirety of your program to receive full grants.
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If your school applies for the Federal Pell Grant, you can receive grants in the form of reduced tuition costs, direct payment, or a combination of both.

You won’t be eligible for the grant after you earn your baccalaureate degree, first professional degree, or use up 12 terms (roughly six years) of your eligibility for the grant.

Federal Supplemental Educational Opportunity Grant (FSEOG)

FSEOG is a financial aid program that is administered directly by the admitting school. To apply for FSEOG, you must enroll in a school participating in these grant programs.

Once you’ve filled out your FAFSA form, your college determines your financial need. Your college will grant the FSEOG to students who have the most financial need.

You can get anywhere between $100 and $4,000 per year depending upon the following factors:

  • Your financial need
  • Other aids, grants, and scholarships that you are receiving
  • Availability of funds at your school

The U.S Department of Education gives a certain amount as college grants to each school participating in the FSEOG program. Unlike Federal Pell that grants the amount direct to adult students, the financial aid office at your school grants FSEOG. You must visit the college’s website to check for application deadlines for campus-based funds.

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Adult students returning to school can receive their grant in their student account through direct payment or a combination of both. You will receive the funds once per term (semester, trimester, quarter).

If your school does not follow a term-based pattern, you will receive the funds at least twice a year.

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

If you’re an adult student pursuing a degree in teaching or educational administration, you can apply for the TEACH grant through FAFSA.

For college attendees to be eligible for the TEACH grant, they must teach in a low-income school for at least 4 years within eight years after completing their degree. If you plan to go back to school but do not fulfill the service requirements, the agency will convert your financial aid into a student loan that you have to return with interest.

Adult students who apply for this grant are eligible to receive up to $3,772 annually. An adult who wishes to receive this grant must enroll in a TEACH-Grant-Eligible Program at a school that participates in the TEACH grant program.

You must also meet the academic requirement of scoring more than 75 percent on a college admission test or maintain a GPA of 3.25 or above.

Iraq and Afghanistan Service Grant

This grant is specifically for students whose parents passed away during their military services in Iraq or Afghanistan.

Adult students going back to school can apply for this program through FAFSA even if their EFC exceeds the Federal Pell income criteria. However, you must be under 24 years of age or be enrolled in a college program during your parent’s or guardian’s death.

According to the latest Budget Control Act, 2011, you can get maximum grant money of $5,983.34 in 2021.

If you plan to return to college and want to apply for grants, one of the most important tasks is filling out the FAFSA form. Obtaining federal student aid becomes much easier if you fill out the FAFSA correctly while applying for grant programs. Read our guide on filling out the FAFSA form and applying for financial aid through various grant programs.

Government Grants for Adults Who Want to Go Back to School | NEIT (4)

Grants for Women Going Back to School

There are excellent grants and scholarships for women who wish to return to school. Apart from the federal government, several private organizations can help adults make a college career. If you’re a woman attending a full-time program, these are the programs you can benefit from:

The American Association of University WomenScholarship: You can apply for these student grants through their state and local branch offices. The amount that returning students get also varies depending on your region.

The Philanthropic Educational Organization:The organization offers need-based and merit-based scholarships, grants, and student loans to women. Their financial assistance program is well-suited for women who are about to finish high school.

The local chapters of the organization decide the money a student would receive depending upon the region and the program they enroll for.

The Talbot Scholarship Foundation:Women who wish to go to college in the US or Canada and need help to pay for college can apply for this scholarship. You must complete at least two semesters in an undergraduate program to apply for this program.

The Emerge Scholarship Fund: This fundprovides grants and scholarships to women who terminated their education due to financial reasons and wish to return to schools to complete their higher education.

These are merit-based awards, especially for women who have given back to their communities.

Government Grants for Adults Who Want to Go Back to School | NEIT (5)

The AARP FoundationScholarship: Women over the age of 50 who are pursuing their education in a vocational school can apply for this scholarship. The scholarship is primarily for women who have faced financial challenges in their family and workplace.

The Jeannette Rankin Women’s Scholarship Fund: This fund awards scholarships to women from low-income groups who are 35 years or older. Applicants must be pursuing a degree or vocational training.

Grant Eligibility

A student must keep in mind that these grants are different from student loans, and therefore, funding agencies reward these grants only to students with financial needs. Applicants must complete their FAFSA form every year to continue receiving grants.

Certain additional requirements vary from program to program that applicants must fulfill. They may include:

  • In the case of the TEACH grant, you must complete the service requirements to avoid repayment of the grant at given interest rates.
  • You won’t be eligible for the Federal Pell Grants if you are incarcerated in a federal or state prison. If you are subject to a civil commitment upon completing your incarceration for a forcible sexual or non-sexual offense, you can not apply for these aid programs.
  • Your Expected Family Contribution must not exceed the cost of attendance when you apply for any of these scholarships.

Dos and Don’ts for a Candidate

Always ensure that you thoroughly read the information on the agency’s website. Before applying, make sure you meet all eligibility requirements. If you apply for a student loan instead of a grant, always look at the interest rates to avoid a high student loan debt.

A college student must also fulfill the service requirements, if any, to avoid repaying the grants.

Do not miss any application deadlines and be wary of online scams. While submitting your information online, be careful, as your details may be misused for identity fraud. Do not submit your data or fall for a funding agency that the Federal Trade Commission (FTC) lists as scams. Do not fall for schemes that guarantee free money without any effort.

Government Grants for Adults Who Want to Go Back to School | NEIT (6)

Coverage and Limitations

Non-traditional students and adults must realize the limitations of the grants that the federal government pays for school. Read the information brochure carefully to understand what your grants will cover. Some grants may only cover your tuition and the cost of books, while others may give you the freedom to spend it on travel and living expenses.

If the funding agency sends the funds directly to your school or college, meet the office assistant or in-charge to understand the requirements for withdrawing the funds.

Conclusion

Government grants and scholarships are a great way to overcome financial hurdles as you return to your education. If you’re a worker or have left your studies for other reasons, you can fill out the FAFSA application form for these grants.

The college and program that you enroll for also play a key role in ensuring that you get maximum benefits from these grants. The college and program that you enroll for also determine if you get the maximum benefit available.

Discover the various programs at NEIT that offer excellent financial assistance, especially if you’re an adult returning to school to complete your education.

FAQs

What is the easiest grant to get?

All grants depend upon your financial needs. If you demonstrate an exceptional financial requirement, then the funding agency will approve your grants easily.

How do I go back to school with no money?

You can go back to school with no money by applying for grants, scholarships, and student loans. These grants can help cover your basic expenditure. You can also look for part-time jobs to cover your travel and living expenses.

How much money in grants can I get for college?

You can get a maximum government grant of $6,495 annually. The amount of grant differs according to location, program, and need.

Is there a limit to financial aid?

Yes. There is a limit of $6,495 annually to the financial aid that the federal government provides.

Government Grants for Adults Who Want to Go Back to School | NEIT (2024)

FAQs

Can mature students get grants UK? ›

Adult learners can apply for grants and bursaries to help pay for courses and training. Usually, you do not have to pay this money back. For most grants and bursaries you apply directly to the organisation that gives them out. They'll have an application form and will be able to tell you if you qualify.

Do I get money for going to college UK? ›

Literally, you don't get paid to go to college in the UK. But you will receive plenty of financial support during your studies to cover education-related costs in the forms of bursaries, the majority of which don't need to be paid back.

Do you have to pay for college at 21 UK? ›

Many courses in reading, writing and basic maths are free, and you may not have to pay for tuition if you're under 24 and studying for your first qualification equivalent to GCSE or A level. Find out about financial support, for example for your course or day-to-day living costs.

What funding can I get for college? ›

You may be able to get help with the costs of: your course. day-to-day living costs. childcare.
...
Funding if you're on benefits
  • claiming Jobseeker's Allowance.
  • in an Employment and Support Allowance work-related activity group.
  • required to do training as part of your Universal Credit claim.

Can I get a grant as a mature student? ›

Adult or mature students are entitled to apply for government funding to study at university in the same way as younger students, but what you get depends on your own personal circ*mstances.

Can older adults get student loans? ›

Is there an age limit for receiving federal student aid? No, there's no age limit. Almost everyone is eligible for some type of federal student aid. The adult student still needs to complete the FAFSA form, and make sure not to miss any deadlines, just like any other student.

Who qualifies for a bursary? ›

General bursaries are typically funded by government and are awarded to individuals regardless of their subject or career choice. Career specific bursaries will only allow students who are pursuing a higher education in a particular field or profession to qualify for funding.

Do I have to pay a bursary back? ›

Bursaries are like grants and don't have to be paid back. You get your bursary directly from your university or college. Talk to your student support service to find out what's available.

Who is entitled to EMA? ›

Who is entitled to an EMA? Any young person aged between 16 and 19 who is 16 or older before 30 September 2022 and planning to continue in post-compulsory education or home education may be eligible for an EMA from the beginning of the school year.

Is 50 too old for university? ›

Of course, the answer to this is no, you're never too “old” to do anything you want to do to. There really is no correct time of your life to do anything, whether that's going to uni or getting married and having kids. In fact, you could argue that it's better to go to university when you are older and more mature.

Can a 50 year old go to college? ›

It's never too late to go back to school. According to Forbes, going back to school after age 50 is the new normal. Pursuing an education later in life helps adults stay competitive in the workforce. If you have retired, you may have more time to earn a college degree now than you did while you were working.

Can I get a student loan at 55? ›

Tuition fee loans cover the cost of your undergraduate course fees, and are paid directly to the university or college. There is no age limit on eligibility for tuition fee loans, so anyone can apply, providing that they're going to be studying for their first undergraduate degree.

Can I go to college for free? ›

Many schools offer free or reduced tuition for employees and staff of the school. In addition, if a student's parent works for a college, a full or partial waiver may be available for that student.

What is university hardship fund? ›

The University provides a hardship fund for students who encounter sudden financial difficulties. It is not a main source of financial support and is not designed to meet the cost of tuition fees. The amount awarded depends on personal circ*mstances and funding is given to priority groups.

What is the monthly allowance for college students? ›

Some families give their students a monthly allowance, ranging from $75–$225, to supplement the student's own savings. After the first year, especially for students making good money through summer employment, an allowance may no longer be necessary.

How much is full Susi grant? ›

The rates for the Student Grant Scheme for the academic year 2022-2023 are:
TypeNon-adjacent rateAdjacent rate
Special rate€6,115€2,575
Full maintenance€3,225€1,415
Part maintenance (75%)€2,470€1,110
Part maintenance (50%)€1,715€805
1 more row

How can full time students afford? ›

Here's how you can afford it.
  1. Fill out the Free Application for Federal Financial Aid (FAFSA). ...
  2. Take advantage of tax breaks. ...
  3. Open a 529 college-savings plan. ...
  4. Look for nontraditional scholarships. ...
  5. Call your financial aid office. ...
  6. Take a free or low-cost course online. ...
  7. Take an in-person college course.

Can I get a student loan at 30? ›

There's no age limit for undergraduate tuition fee loans or grants.

How much is the Pell Grant? ›

The maximum amount of money you can get from a Pell Grant is: $6,495 (2021-22). The amount granted depends on your Expected Family Contribution (EFC), cost of attendance, your status as a full-time or part-time student, and your plans to attend school for a full academic year or less.

How do student loans work as an adult? ›

Can adults get student loans from their state? States do not offer student loans; they only offer grants that adult students may be eligible for. Students can apply for these grants by visiting their state's Department of Education website. You usually must attend college in-state to qualify for one of these grants.

How do adults go back to school? ›

How to Go Back to School: 6 Tips for Adult Learners
  1. Pick a School That Meets Your Needs. ...
  2. Research Your Future Career. ...
  3. Meet With an Admissions Counselor. ...
  4. Apply for Financial Aid. ...
  5. Connect With an Academic Advisor. ...
  6. Don't Be Afraid to Ask for Help.
20 May 2022

How can I get a free bursary? ›

Government Bursaries South Africa 2022 – 2023
  1. You must be a South African citizen,
  2. You must be currently in Matric and have obtained good academic results so far OR have completed Matric with good academic results,
  3. You must be studying or have been accepted to study in certain fields (usually skill shortage fields),

Which bursary is open now for 2022? ›

MultiChoice South Africa has opened applications for its R20 million bursary scheme for the 2022 academic year. The MultiChoice South Africa Bursary Scheme aims to help approximately 200 students.

How much do you get for a bursary? ›

You could get a bursary worth up to £1,200, depending on your circ*mstances and benefits.

What is a bursary loan? ›

A bursary is a form of financial assistance given to a student for further study or training. Bursaries may differ in terms of an amount of money and duration. Students are selected according to various criteria set by donors, which could include academic merit and financial need.

How will a bursary help me? ›

Bursaries allow you to further your education and study any course you would like. A bursary could cover half or all your study fees. It could also cover your transportations, housing, study material and living expenses. Doing some research will help you find out what your bursary provider covers .

What is maintenance allowance? ›

(ˈmeɪntɪnəns əˈlaʊəns ) money that is given to someone, usually on a regular basis, in order to help them pay for the things that they need.

Do you pay back EMA? ›

For academic year 20/21, students who submit their EMA Application Form to the Student Loans Company before 3 December 2020 will have their weekly allowance payments backdated to the beginning of term, whilst those who submit their application after 3 December will have their payments backdated to the date that it was ...

What is EMA benefit? ›

Contents. Education Maintenance Allowances (EMAs) give financial support to eligible 16 to 19 year olds who want to continue learning. If you're eligible for Education Maintenance Allowance (EMA), you need to complete the following every academic year: an EMA application form.

What is a good degree for an older person? ›

Two of the most promising generalist degrees for older adults are:
  • Master of Business Administration (MBA): The MBA is an ever-popular degree for people looking to work their way up to leadership roles. ...
  • Master of Healthcare Administration (MHA): Healthcare is rapidly changing.

Is it worth it to go back to school at 50? ›

Adults with a higher education level have less exposure to stress related to economic deprivation. They're also less likely to adopt unhealthy coping behaviors. One of the most compelling reasons to go back to school at age 50 or later is to improve your financial health.

What is the oldest age you can go to college? ›

The age of 25 is not too late to start college, as it is never too late to start college. Many of the most successful college students are older learners and working professionals. Oftentimes, these older college students bring several advantages to the classroom.

How do I go back to school later in life? ›

5 tips for returning to school later in life:
  • Talk to your loved ones. ...
  • Make a plan and a schedule — and stick to it. ...
  • Don't stress over tests. ...
  • Look for financial aid. ...
  • Take care of yourself: Eat healthy, exercise and sleep well.

What degree is best for back to school? ›

Degrees for Adults Returning to College Online
  • Accounting.
  • Business Administration.
  • Computer Science.
  • Education.
  • Finance.
  • Healthcare Administration.
  • Information Technology.
  • Management.
22 Apr 2022

What are older college students called? ›

A nontraditional student is a term originating in North America, that refers to a category of students at colleges and universities.

At what age do you stop paying student loans? ›

For students who took out loans before the 2006/07 academic year, your student loan will be written off once you turn 65. For those who took them out between the 2006/07 and 2011/12 academic years, the cut off is 25 years after the April your repayments started.

Can I get a student loan at 54? ›

There is no upper age limit for students applying for student finance but if the student is over 60 the amount they can get depends on their household income. Students can usually only get student finance for their first higher-education qualification.

How can I get paid to go to school? ›

If your employer offers tuition reimbursem*nt as part of its benefits package, taking advantage of this perk can be a straightforward way to get paid to go to school. Tuition reimbursem*nt policies vary. Some employers pay for any degree, while others pay only for education related to their lines of business.

How can I pay for college with no money? ›

How to pay for college with no money
  1. Identify schools that are or almost tuition-free.
  2. Apply for federal and state grants.
  3. Seek out merit-based scholarships.
  4. Ask for help.
  5. Trim your academic expenses.
  6. Consider federal and private loans.
24 Aug 2022

What state has free college? ›

There are 20 US states that provide tuition-free community programs for eligible students. These are Arkansas, Boston, California, Connecticut, Delaware, Hawaii, Indiana, Kentucky, Maryland, Missouri, Montana, New York, Nevada, Oklahoma, Oregon, Rhode Island, Seattle, Tennessee, Virginia, and Washington.

Who is eligible for hardship fund? ›

Who is eligible? Students in low income families. This will normally be families with a household income of less than £18,000 or families who are claiming Universal Credit or other means tested benefits.

How do you qualify for a hardship fund? ›

To be considered for help you must be:
  • living in Southwark for at least 3 months.
  • 16 years of age or older, and.
  • receiving one or more of these disability related benefits: Disability Living Allowance Care Component. Disability Living Allowance Mobility component. Personal Independence Payment - Daily Living Component.
29 Jul 2022

How much can you get for hardship fund? ›

If your reason for applying for a hardship payment is particularly severe, you could get up to 80% of your normal payments. Circ*mstances in which you might a higher payment could be because you or your partner is pregnant or seriously ill.

How much should a student live on a week? ›

Cost of living in London: How much is it? Imperial College notes that students moving to London for the term 2022-23 may require about 360 British pounds a week. This totals about 1,500 pounds per month and £18,000 a year.

What's the 50 30 20 budget rule? ›

The basic rule of thumb is to divide your monthly after-tax income into three spending categories: 50% for needs, 30% for wants and 20% for savings or paying off debt. By regularly keeping your expenses balanced across these main spending areas, you can put your money to work more efficiently.

What is the monthly allowance? ›

Monthly Allowance means a dollar amount allocated to a Participant each month to pay Costs incurred in Projects in which the Participant has an Interest.

What financial help can I get as a mature student UK? ›

You can apply for a tuition fee loan to cover the yearly course costs wherever in the UK you choose to study. Students can apply for a maintenance grant, and eligible students can also receive a maintenance grant or Special Support Grant.

What are the disadvantages of being a mature student? ›

Key disadvantages of being a mature student included a perceived lack of academic preparedness due to gaps in study or non-traditional routes (e.g. Access courses), as well as a lack of social integration as a consequence of feeling different from their peers.

Is there an age limit for student loans UK? ›

There are no age limits for Tuition Fee Loans. If you started your course before 1 August 2016 you must be under 60 on the first day of the first academic year of your course to be eligible for a Maintenance Loan.

Who is eligible for a maintenance grant? ›

Everyone who is eligible for student finance can get at least some Maintenance Loan, but you can apply for more that's based on your household income. If you started your course before 1 August 2016, you might also be able to get one of the following: Maintenance Grant. Special Support Grant.

Can you get a student loan at 55? ›

There is no upper age limit for students applying for student finance but if the student is over 60 the amount they can get depends on their household income. Students can usually only get student finance for their first higher-education qualification.

Can I get a student loan at 60? ›

Students aged 60 and over cannot apply. You may have to give details of your household income - this can affect how much you get. The loan is paid directly into your bank account at the start of each term.

How can I get a free degree in UK? ›

11 Ways to Get Your University Degree For Free
  1. If you never earn more than the threshold, your degree is free. ...
  2. Means-tested student funding and fee reduction. ...
  3. Maintenance Grant. ...
  4. Special Support Grant. ...
  5. Travel grants. ...
  6. University bursaries and grants. ...
  7. NHS sponsorship. ...
  8. Sponsorship from the Armed Forces.

Who can apply for mature student? ›

A mature student is usually applicants who are over 19 years old and do not have a high school diploma or GED. Adults can apply to attend colleges or universities as mature students. Applications by mature students are evaluated differently from applicants who have just finished high school.

How do you study when your older? ›

How to Study When You're Older: A Step-by-Step Guide
  1. Focus on one class at a time.
  2. Work to understand the material rather than memorize it.
  3. Relate new material to what you already know.
  4. Study in small sections – don't cram!
  5. Test yourself often to increase knowledge.
  6. Learn new technology.
  7. Take good notes.

What are the benefits of being a mature student? ›

The advantages of being a mature student
  • You have a career plan. ...
  • You make decisions for yourself. ...
  • There are more flexible entry requirements. ...
  • Studying is an exciting new adventure. ...
  • You can use your life experience in the classroom. ...
  • Employers like mature students. ...
  • You're not alone.
9 Sept 2016

Who is eligible for student loan forgiveness? ›

The Public Service Loan Forgiveness (PSLF) program forgives the remaining balance on your federal student loans after 120 payments working full-time for federal, state, Tribal, or local government; the military; or a qualifying non-profit.

What is the cut off age for student loans? ›

There's no age limit for undergraduate tuition fee loans or grants. To get a maintenance loan for full-time undergraduate study, normally you must be under 60 on the first day of the first academic year of your course; if you later change course, you'll lose eligibility.

At what age do you stop paying student loans? ›

For students who took out loans before the 2006/07 academic year, your student loan will be written off once you turn 65. For those who took them out between the 2006/07 and 2011/12 academic years, the cut off is 25 years after the April your repayments started.

How much is a full student grant? ›

If you're a full-time student, you can get up to £9,250. If you're studying an accelerated degree course, you could get up to £11,100.

Does everyone get a maintenance grant? ›

If your household income falls between £19,203 and £41,065 you may be eligible to receive a partial grant, depending on the level of your household income. If your household income is more than £41,065 you will not be eligible to receive a Maintenance Grant or Special Support Grant.

What's the maximum student loan amount? ›

$138,500 for graduate or professional students-No more than $65,500 of this amount may be in subsidized loans. The graduate aggregate limit includes all federal loans received for undergraduate study. Notes: The graduate aggregate limit includes all federal loans received for undergraduate study.

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