For students who need some sort of financial assistance to attend college, it?s a good thing grants are no longer limited to just the one that was offered by Lady Anne Mowlson in 1643. She is credited with offering the first ever college grant of 100 pounds to Harvard in that year. Now, a little exploration of grants will show federal SEOG Grants, Pell Grants, and Federal PLUS loans. Those are only the tip of the financial aid iceberg.
If you were part of the moneyed class during pre-revolutionary times and even quite a bit beyond, Harvard was your only choice for college. If someone didn?t qualify, they worked as an apprentice for someone who could teach them a trade. For children, education was often interrupted during the spring (for planting) and the fall (for harvesting). For most, the idea of a college education simply didn?t exist.
Today there are a wealth of college institutions and what seems to be an almost equal number of grant sources. While that?s not actually true, there are more out there than most students have even heard of. Sure, the Pell Grant comes to mind when thinking about grants, but thanks to the Department of Education there is a database service reserved for educational assistance. Future public school teachers can apply for TEACH grants, while other students can investigate private institutions that facilitate grants, as well as loan options, including National Direct Student Loans.
Pretty must the first step for any potential student is the Department of Education?s FASFA4Caster. This service tool is designed to facilitate inputting individual financial information so grants, scholarships and loans for which the student is qualified can be applied for. A student will have their own MyFASFA account where pertinent information will return financial aid information.
A report by USA Today noted recently that there was an average annual cost of $15,000 per semester for higher education. Looking only to the Pell Grant ? currently at $5,350 ? is not going to cover a student?s semester expenses. As with most things, unless a student has hit the lottery, or has the good fortune to have the last name of Buffet, Jobs, or Gates (and the family money that goes with it), some type of assistance will be required for that student to get a college education.
We might all wish colleges would adjust their tuition based on a student?s finances, however, it?s only the major colleges like Harvard that take student finances into consideration. Fortunately, all traditional and online institutions have financial aid officers on staff who can assist students in their search for college monies. Not surprisingly, the Department of Education has information on their website, however, for the best advantage students should do some exploration on their own.
Are you over the age of 25? One in four new and returning students are. Are you a single mom or dad? A military veteran? A member of an ethnic group, such as Native American? A financial officer will be able to find assistance for these groups as it applies to their individual situation. They?ll also help with the paperwork, usually substantial, and will with each new and returning student to meet their education needs.
So, the general overview is times have changed considerably since Lady Mowlson. It costs a lot more than 100 pounds to go to Harvard. At the same time, there are a lot more Mowlsons out there in the world, and a number of fine institutions besides America?s first college. A little work looking into online programs information, some help with federal Pell Grant options, and you will find them.
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