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Government Grants for College

Free Government Grants for College

Do you need money for College?

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The first thing you should do is contact your school to find out what process they would recommend you go through to obtain Financial Aid in the form of Grants, Scholarships or Student Loans.

Financial aid is awarded using a needs-based calculation.   The first step in determining eligibility for Financial Assistance is to go on-line and complete the Free Application for Federal Student Aid (FAFSA) form. You will need to provide information about your parents & your income, the number of people in your family and the number of family members in college. You may also need to know which college you are hoping to attend and total cost of attendance. These are all factors that are taken into consideration when calculating your eligibility. The calculation to determine Expected Family Contribution (EFC) is set by the Federal Government and measures your family’s financial ability to assist with college funding based income and assets.

To determine the maximum amount of financial aid assistance you may be offered from federal, state, University loans and scholarships you would need to know the calculated EFC determined by FAFSA. Once the EFC has been determined you can calculate the need using this basic formula: COA (Cost of Attendance: Registration, Books & Supplies, Food & Housing, Transportation, Personal Expense) – Family Contribution (EFC) = Need.

Grants are funds that generally do not have to be repaid by the student. Make sure you fully understand the parameters of the grant. In some cases if you do not fully meet the grant requirements you will have to pay the grant money back.

Examples include:
•    if your withdraw from all your classes or cease enrollment prior to completing 60% of instruction in any quarter
•    if there are changes in your eligibility status such as reduction in units enrolled, reduction in costs of attendance, additional scholarships, stipends or other awards received.

Want to get a Free Government Grant for College Right away? Click Here to get your Free Grants Kit

Grants

Federal Pell Grant is awarded to undergraduate students who have not previously completed a prior bachelor’s degree. Eligibility is determined based in information provided and calculated using FAFSA. This grant does not have to be repaid by the student to the Federal Government. Funds from the grant can be used for tuition, fees and living expenses. Pell Grant funds cannot be applied to two different schools for attendance at the same time.

Federal SEOG Grant Supplemental Educational Opportunity Grant (SEOPG) is a grant awarded to undergraduate students who have an exceptional financial need. Eligibility is determined based on information provided and calculated using FAFSA. Funds are awarded on a first come first served basis.

State University Grant (SUG) is a state grant awarded to eligible undergraduate, credential, and classified graduate students attending California State University as a fee subsidy. (California residents only, funds is based on first come first serve).

Academic Competitiveness Grant (ACG) is a Federal Grant that is awarded to undergraduate students eligible for Federal Pell Grants, United States Citizen and a full time student or enrolled in a two- or four-year degree granting institution of higher education. Students must have completed a rigorous secondary school program of study as established by a state or local educational agency and recognized by the U. S. Secretary of Education. Second year students must have graduated from high school after Jan 1, 2005, and have had at least a cumulative 3.0 grade-point average (GPA during their first year of college. FAFSA on the Web will predetermine if you are eligible to answer the ACG questions.

National Science and Mathematics Access to Retain Talent Grant (SMART) is a Federal Grant that is awarded to undergraduate students who are pursuing a four-year degree with a major in one of the physical or life sciences, computer science, engineering, mathematics, technology, or a critical foreign language and is working on their third and fourth years of study. Student must be a Federal Pell Grant recipient, be enrolled in full-time status and maintaining a 3.0 GPA to be eligible for the disbursement of funds.

Want to get a Free Government Grant for College Right away? Click Here to get your Free Grants Kit

Student Loans and Work Study Program – Funds for College

Work Study Program

Work Study Program is a Federally Funded program that is administered by your school’s Financial Aide or Career Development Department. The program is intended to provide the student work either on or off campus to earn money toward educational expenses. Funds are generally paid directly to the student or may be paid to the student’s financial aide account.

Loans are funds that have been borrowed and must be repaid by the student. Loans that are specified as student loans do not have to be repaid until after the student leaves school or the units the student is taking in school drops below 6 units.

Federal Work Study These are funds that are paid to the student in exchange for work performed. The student gains work experience and earns income while attending school.

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Loans

Federal Perkins Loan is a loan administered by an outside financial institution with funds provided by the Federal Government. The loan charges a 5% interest rate. Student must repay the loan six to nine months after dropping below half-time enrollment status (funds is based on first come first serve).

Federal Nursing Loan is a loan administered by an outside financial institution with funds provided by the Federal Government to nursing students. Loan charges a 5% interest rate. Students must repay the loan six to nine months after dropping below half-time enrollment status (funds is based on first come first serve basis).

Federal Direct Loan is a loan provided directly from the Federal Government. The loan charges a variable rate interest (not to exceed 8.25 percent). Federal Stafford Loans are made available to eligible students without regard to credit. The government sets annual limits on the amount students may borrow through the Stafford Loan program based on the student’s year in school. While the student is in school, payment on Stafford Loans is deferred. Repayment of the loan begins six months after the student leaves school. For Unsubsidized Stafford Loans, payment is deferred, but interest is not. Interest accrues while the student is in school and may be paid monthly or can be added to the principle of the loan. For Subsidized Stafford Loans, there is no interest accrued while the student is in school. Eligibility for Subsidized Stafford Loans is based on financial need as determined by the results of the FAFSA.

Federal Parent Loan for Undergraduate Student (PLUS) is a loan that parents can take out to pay for their undergraduate student’s educational expenses. Interest rate is variable and the rate is set annually by the Federal Government, with a not to exceed rate of 9%. The loan amount is up to the cost of the student’s educational expenses, less any financial aid receive. Parent must meet a minimum credit qualification.

Federal Graduate PLUS Loan (Grad PLUS) is a loan that the Graduate Student would be eligible for to pay for educational expenses. This loan provides funds up to the cost of educational expenses, less any financial aid received. The student must meet a minimum credit qualification.

Want to get a Free Government Grant for College Right away? Click Here to get your Free Grants Kit