Tips for Learning for less

There is no question that it is very expensive to get a college education. The cost of higher education has been going up at alarming rates.  The national average for a student who will stay on campus for a private college is more than $40,000 per year. Need based grants are averaging about $24,000 which brings down the cost considerably.

If you are thinking that you can’t afford to go to college, think again.  There are lots of options out there to help you to reach your educational goal. Many of the options require that you qualify, this can mean many things. Qualifying can be about your religious affiliation, ethnicity, belonging to organizations, as well as  much money you or your parents make.

There are a variety of grants available both on the national and the state level. The most well-known are the Pell Grants.  Pell Grants are offered by the federal government. These grants are given outright; they do not have to be repaid. At the time of this article, the maximum grant per year is $5550.00. The amount that you may be eligible for is dependent on your financial need, the cost of the college you plan to attend and whether or not you will be attending full or part time. There is an application to fill out and of course documentation of earnings to be provided. The forms to fill out and information about the program are available on their website.

Every state is different when it comes to grants. You need to check on the state where you live to find out what they offer. Two states that have very successful grant programs are California and Texas. Some states offer special programs for minority students, low income students and students who are in a high need program such as nursing and teaching.

When it comes to getting money for higher education, you need to think outside the box. Scholarships are one area that many people overlook. While there are many scholarships offered for academic or athletic excellence, these are just a small portion of the money that is available.

Do your parents belong to a fraternal organization or to a union? Many of these also offer scholarships. How about religious organizations? What is your nationality? Do you or your parents belong to an organization that offers scholarships to students of your ethnic background? How about civic organizations?

Many guidance counselors will be knowledgeable about organizations in your area that offer scholarships. If not there are people who are experts who you can hire to help you to find the money you need to further your education. There are also websites including ones like  which will help you to locate available funds.

After you have gotten all the free money that you can, it is time to consider student loans. While these will need to be repaid, the ones offered by the federal government are offered at very reasonable rates and over a long period of time. It may take you years to repay your student loans but hopefully you will be earning a much better income as a result of your higher education.

There are many ways to cut the cost of higher education including attending community and state college instead of a private university. Where there is a will, there is a way. If you want to go bad enough, you will find the financing to get the education you desire.