All You Need To Know About College Grants

You graduate from high school and enroll in college – only to discover that it was easier living with your parents. Living expenses soon take a toll on your wallet and your life. Many college students have heard about grants, but do not take the time to research them.

With effort on your behalf, grants can be an excellent source of educational funding. There are four categories of college grants that are available:

· Student-specific usually pertains to non-traditional, low-income, and disadvantaged students who are anywhere from the high school to doctoral educational levels.

· Subject-specific college grants are grouped according to subject, such as health, education, or engineering. Some subject specific-grants are meant to stimulate additional enrollment in fields that are under-represented.

· Degree level college grants are for students who are at a certain level in their program towards their degree.

· Minority college grants are for those who are considered to belong in a minority, such as the disabled, African Americans, Native Americans, and women. As a rough rule of thumb, many people believe that “a minority is anyone that is not a white man.”

Non-traditional grant options

Non-traditional grants are for students who are out of the typical college age range. For example, if you graduated from high school, but did not enroll in college until several years later, then you may qualify for various non-traditional grant options. Or, if you are starting your higher education at a community college, or through an online campus, then there are specific student grants that can assist your non-traditional educational endeavors.

Grants that help the disadvantaged attend college

Low income and disadvantaged college grants are for individuals whose incomes prevent them from attending college. In this scenario, the Pell Grant provides students the financial means to pay for books, dorm rent, utilities, and food. Indeed, the Pell Grant covers all of the college expenses for which an adult would traditionally be responsible.

The National Federation of the Blind, as well as the National Association of the Deaf, are just two of the many grants available to the disadvantaged college students.

The options of graduate-level grants

Graduate and doctoral students can obtain grants from community colleges, universities, or private organizations. All three seem to compete with one another on who is providing the best grant, which means graduate and doctoral candidates have many options when it comes to obtaining a college grant. These graduate-level grants can be used for research, traveling, or living expenses.

Grants for high school and undergraduate students

High school and undergraduate college grants attract the low income and disadvantage candidates, as well as those who are specializing in a certain field, ranging from engineering to the arts. These college grants can be used for living expenses, books, and dorm rent.

Educational grants for military families

Military families all benefit from the college grants provided by the Navy, Army, or the Air Force. If you or your spouse enrolls in the Army, then your spouse can apply for the Army’s Spouse Education Assistance Program – or if the Navy is your affiliation, then you can apply for the Navy’s Spouse Tuition Aid Program. Both college grants provide you the means to pay the tuition in full.

Finding subject-specific and degree-level grants for your major

Subject-specific college grants pertain to individualized majors, such as Education, IT, Engineering, Veterinarian, Ministry, and Administrative Justice. Traditionally, subject-specific grants are plentiful at community colleges and universities. If you have conducted research in your major, or you have a particular focus you are studying, then your chances of obtaining these subject-specific college grants increase.

Degree level college grants are similar to the subject-specific college grants, as they also have specific, individualized requirements. For example, there are junior degree level grants only geared for those students entering into or already enrolled in junior year. The key to these grants is to conduct research early and find ones for which your academic standing qualify.

Grants geared for minority, underrepresented students

Minority college grants are for those who are considered to belong to a minority group, such as African Americans, Native Americans, and women. There are a wide supply of minority grants, whose goal is to increase the representation of minorities in higher education, as well as specific fields. For example, there are the Astraea Lesbian Foundation for Justice grant, the American Anthropological Association grant, the American Psychological Association Minority Fellowship Program, and the American Society of Microbiology (ASM) Minority Fellowships. The list of available minority grants is very extensive.

Finding the best grant for your education

In order to find the best grant for you, you must conduct appropriate research. With the many specific requirements and deadlines grants have, the earlier you begin your research, the more likely you can obtain the best grant for your circumstances.

Consider your specific academic situation, and find the grants that may apply to you. Research for grants in your degree, your school year, and any disadvantaged / minority group for which you qualify. Not only are there a plethora of online research databases, but your university and department’s academic counseling office can provide you with grant information.

Although researching and applying for grants takes time, the financial rewards are certainly worth the effort.

11 Tips For College Students

1. Meet people.

One day you’ll walk across a stage, and a very smart looking man or woman in a really nice, long, black gown will hand you a piece of paper that says “Bachelor” (even if you’re a girl!) on it. You’ll graduate from college. Do you know what you’ll remember most?

The relationships you’ve made.

My advice is to meet everyone you can. Be friendly. Smile. Talk to people (not in class…that could be dangerous). Go to places where people hang out and hang out with them. Your friends are what make college special.

Some day you’ll come back to campus as an alumni and the place will feel weird. It will feel different. That’s because all of the people that you were friends with during your college years aren’t there. It’s the same college, but different people. It’s the people that make your experience unique. You are going to make friends that you’ll have for the rest of your life.

Like I said earlier, I work at a University. My boss (yes…he’s smarter than me) is a good friend that I went to college all four years with. It’s been a great relationship for all this time. I don’t know of any other place you create these types of relationships at this age. So get out there. Get busy meeting people.

2. Talk to your professors.

This one continues on with the theme of number 1. Go ahead and do everything you can to meet your professors. Make an appointment with them as soon as it is possible in their schedule. I have discovered that I learned so much more from a professor when I had some kind of personal relationship with them.

Professors are people to. Respect their time and make sure you communicate clearly with them. Don’t waste their time with excuses for not doing the work or simply not showing up to class. The goal here is to establish some type of relationship.

Whenever I think about a subject or content I learned in college it is tied to the face of a professor. If I think of learning German – it’s McKinney; if it’s creative writing – Nelson; if it’s communication – Jackson. My knowledge came from a person more than it came from a book.

One of my favorite movies is Orange County. It’s a story about a high school senior that wants to get into Stanford. He’s enamored with the writings of a certain professor there. When he finally has the chance to meet the professor and sit down and talk with him, it changes his entire perspective. While those types of conversations might be rare in your experience because you go to a large University – seek them out anyway! They’ll be some of the best memories you take from your time in college.

3. If you need help ask for it.

One of the reasons you’re in college is because you don’t know everything. If you can learn to admit that, you’ll be ahead of most freshmen at your school.

Independence messes up most teenagers in that they want to do everything by themselves. So when a moment comes when they can’t do something or don’t know something, there’s an inner struggle. I encourage you to put the pride aside and ask for help.

If you need help in class, get a tutor. If you need directions to the financial aid office, ask for them. If you don’t know how to complete an application for an internship, look for someone who does.

Your school will have people that can proofread your papers, help you learn how to do your laundry the right way, and even give you some good advice on how to stay in shape (because we all need our health!).

Look at it this way: You will become smarter if you ask for help when you need it. If you don’t ask…you’ll remain ignorant. I’m not advocating that you shouldn’t try to find things out on your own. But there comes a time where you’ll discover that learning happens better in the context of “we” and not just “me.” And you might also discover that the best way to meet people is to simply ask, “Hi, would you mind giving me a hand with this?”

4. Get some sleep.

One thing that you have in common with every other person in the world is that each person needs to sleep. If you don’t get enough sleep, bad things start happening to your mind and body. I know this is difficult to hear, and I’m probably beginning to sound a bit parental by saying this, but go to bed.

I’ve pulled my share of all-nighters. I’ve had to study, cram, write, and just get it done. I’ve also stayed up too late because I kept losing at Halo and had to play just one more game. Either way, it messed me up for the next day. My body had to play catch up. I wasn’t sharp. If you string enough late nights together, you are not going to be the learning machine that you need to be.

I know you’re young and invincible. But sleep is so necessary. Research says that a night of sleep deprivation is like being mentally impaired by the legal blood-alcohol level. When you don’t get adequate sleep, you’re body ages faster. Sleep also helps to relieve stress…so if you’re stressed out – you may simply need a good nap.

Ultimately, getting enough sleep is a matter of prioritization. Just because you CAN stay up, doesn’t mean you SHOULD stay up. You need to be mature enough to know when you need to get some sleep so that you can be an effective college student.

5. Get organized.

Everyone needs a plan to accomplish all of the things that are required of you in college. It is extremely easy to start living from event to event, assignment to assignment when you’re neck deep into your semester.

My number one piece of advice for getting organized – get a calendar and stick to it, live by it, and look at it everyday. Now there’s lots of types of calendars out there. I like to use Google Calendar. It’s online and I can access it from anywhere. Since I spend a fair bit of time on the computer, it’s always handy. Plus, I’ve got it linked up to my email and the datebook software on my Palm Treo. But that’s my way. I made a choice one day that Google Calendar was going to be MY calendar. You’ve got to decide and stick with it.

Some colleges will provide you with a paper-based calendar like a planner. This may include dates of important events for your college, key deadlines, and class schedules. If you are pen & paper minded, this may be the route for you. I also recommend the Moleskine planner. It’s smaller and easier to carry.

Once you’ve chosen your calendar, you need to get busy putting EVERYTHING into it. That’s right. Put every assignment, every deadline, every part of your extensive social commitments. Remember, you don’t want to be surprised. It’s a horrible feeling to realize that you had a vital paper due yesterday. At the beginning of each semester, sit down with all of your syllabi and fill in that calendar. Set reminders a few days before big projects come due. This will also help you to see when you will have difficult weeks with lots of obligations so you can get cracking ahead of time.

Now that you’ve chosen a calendar, put all your information in it, you’ve got to manage it. At the start of each week, look over the week ahead. KNOW WHAT’S COMING! If you only look at each day as it arrives, you’ll miss opportunities to be excellent.

That’s the beauty of being organized. It creates space for you to do your best work. You know when something is coming and you make the appropriate time to do your best.

6. Have a lot of fun.

This is one of the best parts of college. You are going to have a ton of fun…especially if you follow the other pieces of advice in this article. College is one of the funnest experiences you will ever have. You are living with a lot of other like-minded people who are in the same situation that you’re in. It’s like Survivor (especially in the school cafeteria), but no one gets voted off the island.

I laughed a lot in college. I liked to hang around people who made me laugh and didn’t take themselves so seriously. There were lots of events to attend. My buddies and I would take some great roadtrips during the breaks. There is a lot of freedom to do a lot of things while you’re in college. I chose to have as much fun as was humanly possible.

The other benefit of having fun is that it makes incredible memories. I can remember some phenomenal pranks that have become lore at the college I attended (I won’t say what it is or my own level of involvement because the statute of limitations has yet to expire). While I didn’t play sports in college, I was an intramural animal.

Also, I don’t want you to get the impression that all of the fun occurred outside of the classroom. When you discover what you’re unique strengths are and land in a major that falls in line with your passions, learning becomes tremendously fun. I can remember projects and classes that I really enjoyed and looked forward to them. I think there were some professors who really made learning fun.

I guess with any aspect of college you can make the choice to have fun or to stress out. I encourage you to choose fun – even in the midst of hard work.

7. Get involved.

During the first semester of college, I joined a fraternity. I had to do some really silly things (I have fond memories of onions and “thank you sir, may I have another.”) to join this group, but it changed my entire college experience. When you arrive on campus, there will be a lot of ways that you can get involved in college besides going to class.

Your college has multiple organizations that are centered around social or academic themes. There are clubs and councils that are always looking for new members. You may have a bent toward student leadership and I encourage you to jump in and apply for those positions. It has been proven that those students who get involved in extracurricular activities have a better college experience. They also have a stronger attachment to their school when they become alumni.

I can remember our graduation day from college. When it came time to announce the valedictorian for our class they introduced a student whom none of us recognized. Now don’t get me wrong here…I want you to do all that you can to get good grades and pass your classes. But for our graduating class – the person with the best GPA was an anonymous person. He wasn’t involved in anything. We didn’t know who he was.

Now hear me out. My GPA wasn’t stellar, but I did graduate with a 3.6 in all of my major classes. Not bad. But I also was the Student Body President, was in a fraternity, joined many clubs, worked Security, and lived in a dorm all four years. I wouldn’t trade that for a four-point-whatever and be anonymous.

8. Handle money wisely now.

Right off the bat I must tell you – watch out for credit cards. It is the easiest thing in the world to get suckered into a credit card offer and start charging things on the plastic. Here’s the catch – you have to pay it all back – with interest.

My advice to you is to avoid the credit card route at all costs while you’re in school. I know that it’s probably unavoidable, so just use them for emergency purposes. Get a card with a LOW limit. Pay those things off every month. If you find you can’t do that, then you shouldn’t be using them. Most college students leave college with debt. There’s the necessary kind that comes from student loans. But it’s really hard to graduate in a financial hole because you have credit card debt.

With the money you do actually have, I think it’s wise to learn how to budget. Start a savings account. Learn how to balance your checkbook and do that every month. Bounced checks are no fun. The goal here is to live within your means. You may not have as much as other students. That’s alright. You are a college student and you’re supposed to be broke.

If you are in desperate need of cash, go to your college’s career center. They typically have a listing of odd jobs that students can do to get some income. Another thing you can do is to benefit from the ability to borrow rather than own. You don’t have to personally have everything, just know some of the people that do. When you live in a dorm, you begin to understand how easy it is to share. I remember that I looked better in my roommate’s sports jacket than he did. Don’t be a mooch. But learn to share what you have with others and you’ll find that they’re more willing to share what they have with you.

If you spend less money than you bring in…you’ll be in good shape.

9. Learn to write well.

One of the lessons I’ve learned from Scott Ginsberg is that “writing is the basis of all wealth.” I think he’s on to something there. I would add that writing is the basis of your success in college. While you are a college student, you will read A LOT. But you will also be required to write A LOT. Your writing skills are a KEY factor in how your work will be perceived by a professor.

You can have the best content in the world, but if you aren’t able to deliver that through good writing, your work will get lost in the translation. I am surprised how many college students can’t spell, don’t know how to structure a sentence properly, and use poor grammar. If you struggle with writing, then I encourage you to re-read #3. You must get this one down.

One of the reasons that I started this site (CollegeStudentsRule!.com) is to help college students become better communicators. If you can write better, your work will be better. If your work is better, your grades will be better. I realize that you may be the best person in your class at text messaging…but those little acronyms don’t hold up too well under a professor’s scrutiny.

Along with writing, I would encourage you to take a typing course. The computer is here to stay and if you are typing with two fingers, you’re wasting time. I think that you should work to be able to type at least 60 words a minute. Faster would be even better. Can you type without looking at the keyboard? This is a skill that won’t only benefit you in college, but in the workforce as well.

One final note on writing well is in regards to proofreading. Please don’t type out a paper and print it out and turn it in. Think in terms of drafts. If you turn a first draft into a professor, he or she will know that it’s a first draft. This post that I’m writing won’t be published until the third or fourth draft. It would be even better if you could get someone else to proofread your work. That person will probably catch mistakes that you can’t see.

10. Get out of the country you’re in.

This is an idea that is becoming more and more realistic in our day and age. At our University, opportunities to study abroad are growing each year. We also offer short-term mission opportunities to other countries. There are so many ways for students to experience other cultures.

Our world is becoming more globally focused. In some ways it’s shrinking. Companies are branching out across national boundaries. Any type of experience you can have outside of your home country will benefit you in your career and perspective on life. If you can get somewhere…go for it. You are young and you don’t have many of the responsibilities yet that could tie you down to your local geographical area.

I understand that some of you may have difficulty (financially or otherwise) getting out of your country. If that’s the case, find ways to learn about other cultures (watch the National Geographic Channel). But nothing beats actually going there and walking on foreign soil and being immersed in another culture.

11. Keep growing.

It may seem obvious to you that you would be growing since you’re in college. But I meet a lot of college students who gain knowledge, but don’t gain growth. I guess I’m talking about maturity. There are many experiences that you’ll have in college that can help you to grow up if you’ll let them.

How To Choose The Right College

1. Start with who you are and why you are going to College.

You need to examine yourself and your reasons for going to college before you start your search. Why, really, are you going? What are your abilities and strengths? What are your weaknesses? What do you want out of life — something tangible or intangible?

Are you socially self-sufficient or do you need warm, familial support? Talk with your family, friends and high-school counselors as you ask these questions. The people who know you best can help you the most with these important issues.

2. Size matters: Your college does not have to be bigger than your high school.

Most good liberal arts colleges have a population of fewer than 4,000 for a reason; college is a time to explore, and a smaller community is more conducive to internal exploration. It is not the number of people, but the people themselves and the kind of community in which you will learn that really matters. Many large universities have established honors colleges within the larger university for these same reasons.

3. A name-brand college will not guarantee your success.

Think about the people in your life who are happy and successful and find out where (and if) they went to college. Ask the same about famous people. You will likely find that success in life has less to do with the choice of college than with the experiences and opportunities encountered while in college, coupled with personal qualities and traits.

Employers and graduate schools are looking for outstanding skills and experience, not college pedigree. As you look for colleges, ask about student outcomes; you will find many colleges that outperform the Ivies and “name brands,” even though you may have never heard of them! Visit the National Survey of Student Engagement (NSSE) for help on sorting through the information and for great questions to ask when visiting and choosing a college.

4. You don’t need to pick a major to pick a college.

Very few high-school students have enough information or experience to choose a major. You need the variety and depth of college coursework to determine your interest and aptitude. Most college students change their minds two or three times before they settle on a major, and they can still graduate in four years! Being undecided is a good thing and will leave you open to more academic experiences.

5. Don’t be scared by the stories.

If you only pay attention to the headlines, you might start to believe that

no one is getting in anywhere! The truth is that the majority of the colleges and universities in this country admit more students than they reject. If you’re worried about your chances of getting admitted — and you’re willing to investigate beyond the very narrow band of highly selective colleges — you’ll find that you have many options that will lead to a great fit for you.

Be informed about your academic profile and compare it to the profile of the most recently admitted and enrolled class for the colleges you are investigating. Check the college admission Web site for this information and contact them if you can’t find it. Ask your high-school counselor for additional advice and guidance as it applies to your school.

6. You can afford to go to college.

If you make the assumption that you cannot afford college based on the sticker price of tuition, you will miss out. It is difficult to talk about money, but if you investigate all the options and ask for help and advice, you will find affordable choices. Online resources, as well as financial aid workshops sponsored by high schools in local communities, are widely available to get you started. College and university financial aid Web sites offer useful information and links as well. Investigate early and ask for help.

7. You don,t have to go to college right away, and it’s never too late.

There is no such thing as the perfect time to start college. Some students benefit from a year off to work, study or travel, and these experiences allow them to be better, more engaged students. Some students choose to apply to college and gain admission and then defer their entrance, while others wait to apply until after they have had an alternative experience.

Either way, admissions officers will be anxious to learn about your experience during your time off, and they’ll ask you to write about it as part of your admissions process. High-school and college admission counselors can provide resources for investigating alternatives that may be right for you. You could apply for an internship, study abroad, or participate in a community service project.

8. The most important factor in choosing a college is fit.

Choosing a college because your friends are going there or because of where it ranks on a list does not take into account who you are and who you will become. College is a match to be made, not a prize to be won. Finding a good fit requires time and thoughtfulness.

Visiting college Web sites and learning about what events take place, who visits as guest speakers, and how to get in touch with current students and faculty is a good way to supplement a campus visit — or to decide if you want to spend the time and money on a visit. Check a school’s Web site to find the admissions officer assigned to your region of the country. Send them an e-mail to ask about getting in touch with students from your area or identifying a few with interests similar to yours.

How to Pay for College

How a student pays for college depends on many things. The most important question to be answered is when should a student start “saving” for college? My answer to that question is “when the student enters this world as a newborn”. The very fortunate students are those who had parents who began saving money at birth. There are many financial instruments in which parents can invest, such as 529 accounts, plus many states have their own state educational bonds.

Nevertheless, for most students there will not be trust funds or yearly family income available for college costs without borrowing, receiving federal financial aid or receiving college scholarships. Paying for colleges becomes a reality to most college students when they are admitted and the real cost of college becomes apparent. This is less than ideal, and can often cause students to panic. But late starts are typical and there are many avenues available to help students.

College scholarships are the best sources for paying for college because these awards do not have to be repaid. Of course, being granted college scholarships typically depends on academics, specific talents wanted by a college or financial need. Scholarships are granted by universities and private organizations, each with their own criteria for applying and awarding. Unfortunately, most students do not acquire enough scholarship funding to cover the entire cost of college.

So the big question becomes how to deal with a gap in funding. The most important step in paying for college is to apply for federal student aid, or FAFSA. nevertheless, many students may not be eligible for federal aid. Some students will begin by attending a community college for the first two years to be able to take the general education courses and save money. Some students will join the military and have the armed services help with their educational costs. Diffrent students will work part time or full time while attending college.

Working and attending college at the same time requires good time management skills, and a plan on how many courses can be handled each semester while working. To acquire federal financial aid students must be enrolled full time. This typically means taking a minimum of 12 credit hours.

One strategy to finding a way to pay for college is for students to apply to colleges who will want to “buy” them and give them college scholarships. This means looking at less competitive colleges or smaller schools. Do not confuse the degree of difficulty of being admitted to school with the excellence of the education.

Remember that college admission is often based on supply and demand, and there are colleges that just acquire way too many applications and can only admit a small percentage of the applicants. This does not mean that colleges who admit a larger percentage of their applicants are not as good academically. Keep the bigger picture, which is to get a college education that provides you with the skills to be successful, in mind. Take a look at where the Fortune 500 individuals attended college and you will see it is not the name of the college that displace them along to the road of success.

Colleges that are really interested in a student will provide college scholarship money. Search for those colleges. You are encouraged to be resourceful prior to going to college and use the web to search out college scholarships both offered by individual colleges or outside organizations. Believe it or not, there are some colleges that do not charge any tuition such as Berea and Cooper Union College. There are also colleges that allow students to lock in a tuition rate for the four years of college.

Finishing college in four years can help keep down costs. Campuses may provide opportunities for odd jobs or freelance work to bring in money. Do not overlook the opportunities that exist for doing community work that will provide money to pay for college. Public service jobs are well known for helping students to pay off their debt.

How can you pay for college?

* Be resourceful
* See the bigger picture
* Find colleges that fit your education and budget requirements
* Find companies that will hire you and pay for your education
* Enter fields of study where there is debt forgiveness if you work in the field
* File for Federal Financial Aid with FAFSA
* Look out college scholarships
* Begin saving for college at a young age even if it is $5 per week
* Do not look a college based on name recognition alone

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