College Grants for Women

Women with grantsWomen have many challenges when deciding to return to college. For many women that are returning to college after a break or after they have already started a family, they find that their commitments are with their family first, which makes it challenging for them to pay for college. This is especially true for women with younger children in tow. Money is often scarce, and finding the funds to return to college can be a major issue and overall sacrifice for women. However, there are many options for women who wish to pursue various degree programs, no matter if they desire an Associates, a Bachelors, or even a Graduate degree.

Many people think that having a child or multiple children when going to college is a hindrance. While it can be difficult to balance college and responsibilities of the family, many foundations and colleges realize the struggle that mothers enrolled into a college face and work to help them. By conducting research and looking into private grant opportunities, many women can find grants that are created specifically for use by women with children. These grants can help pay for extra childcare, make up for loss work hours, or simply go directly to tuition and fees.

When it comes to aid, having dependents may help families gain more aid for going back to college so it is very important to apply for Federal grants and when looking to attend classes. Some people look past this as they do not want to rely on the government, or they fear they will have to pay back a large sum of money. Thus, this is the beauty of grants, in that they do not have to be paid back whatsoever.

There are also many grants designated for women entering fields that are typically male dominated. Although women are successfully closing the gap in the workforce, there are still many fields that seem to be more or less a ‘boys club’ in the work force. To help combat this and promote gender diversity, many private foundations and even a select few institutions have set up scholarship and grant programs to help women enter the field by giving them the funds to pursue a degree program in them. These are easy to find by simple searching for the degree title and scholarship online or questioning a college’s financial service directly, to which they will certainly point women in the right direction.

Many women choose to start college later in life rather than directly after high school for personal reasons. This choice is perfectly fine, as these are personal choices and there is no correct choice. However, there are varieties of opportunities available for women to obtain grants to help pay for their college education despite when in life they decide to begin attending (or again, return to college for a second time). Women have the power to finance their education to improve their life; all it takes is a little time to search and find the proper grants that will help women out!

College Financing Tips

How to Manage College Financing Responsibly

College students do not need to be told how much money it will cost to graduate from a university today, and the costs seem to still be on the rise. Even some public universities are not as affordable as they once were. If you do not get the financing of your education under control, then you can be in debt for a very long time. Instead there are a few things that will help you get all the money matters balanced while at the same time reducing the future debt that you have after graduation. Here are a few ideas that will help you get through college without having to stress too much about college loan repayment.

Don’t Wait to Repay

Though your student loans are designed to begin repayment after you graduate, it is still possible to make small or large payments to your debt before graduation. Some students will inherit or come across extra funds and will decide to purchase additional items which are not really necessary. If you do receive money before graduation, then consider making at least some of the payment to your loan debt. That will reduce the amount that you need to pay after graduation so that when you hit the job market you will not have to worry as much. The sooner you pay off your debt the sooner you will be able to enjoy the fruits of your labor in your new career, so it is a wise move to do so.

Cheaper Option Books

Your books can take a big bite out of your college budget, but fortunately that does not have to be the case. If at all possible take a look at used books. Most of the books that you can purchase used are still in great shape because the bookstores check them for quality. If for some reason the used version is not available or the book that you need is new you may check to see if there’s a rental book store for savings.  Moreover, many universities are switching to e-books as a way to make books more effective and interactive while at the same time saving some money for the students that need it. You can save anywhere between 10 to 70 percent by following those simple rules.

Meal Plan

Though the meal plan is not always optional, you should still check with your school. Some plans will give you a wider variety of meals included in the plan while you could do fine with a smaller plan. Another way to take care of your finances when it comes to school meals is too cook your own meals. That does not mean that you should have food that is not nutritious; it means that you should pick what you want to eat and just make it. There are some great easy meals to prepare and several cook books address the making process for them. Sometimes you only need four ingredients for a cheap and easy to prepare meal which can save you a lot of money.

How to Decide on a Career

Choosing a career is no easy feat. It can take years for some people to know what they want to do with the rest of their life. Unfortunately, most people don’t want to go from job to job for years searching for that perfect career. To help you get to the career you’ll be most happy with, here are some of the best questions to ask yourself.

Questions about Your Personality

  1. Do you enjoy working alone or with people?
  2. Do feel good about yourself when you help people?
  3. Are you an extrovert or introvert?
  4. Do you anger or become frustrated easily?
  5. Are you patient?
  6. Do you often have trouble seeing someone else’s point of view?
  7. Do you like to be a leader or a follower?
  8. Do you enjoy receiving feedback or does it aggravate you?
  9. Do you consider yourself a friendly person?
  10. Are you ambitious?

Questions about Work

  1. What type of setting would you like to work in?
  2. Do you like to work during the day, evening, or night?
  3. How many hours a week do you want to work?
  4. What would you like your workspace to look like?
  5. How much money would you realistically like to earn?
  6. Do you like light duty or laborious work?
  7. How do you want to feel while at work?
  8. What would make you excited about a job?
  9. How many years do you want to work at a job?
  10. Do you want to advance or stay in the same position?

Find a Career that’s Best for You

To figure out which career is best for you, match your personality and work desires to possible careers. You can find a list of 12,000 careers at CareerPlanner.com. Print the list out, and go through it with a pen to cross out the ones that do not appeal to you at all.

After you’ve gone through the list once, go through it again, and write the ones leftover on a separate piece of paper. Research each career on the Bureau of Labor Statistics website. You will find detailed information about the work setting, duties, and career outlook. This information can tell you a lot about whether the career matches your work desires.

Many of the careers on the Bureau of Labor Statistics have a section identifying the skills needed to be successful. Matching up your answers to the Questions about Your Personality section will help you decide if the career may be a good fit.

Try not to worry about skills that you can learn, especially if you’re interested in careers that require a college degree or other training program. Focus on the skills that are much more difficult to improve on because they are part of you such as people skills.

After matching up the answers to the questions above with the careers you’re interested in, make another list of the ones that seem to line up well with your personality and work desires. From this point, things start getting harder. Many people seek employees in the careers they’ve identified to ask if they can shadow them. Others will ask for an interview with someone in the career to learn more about it. The Internet provides a great resource for finding people in specific careers, so that’s another possibility in learning more about them.

After delving into each career, cross out the ones that end up not being as good of a fit as you had thought. The ones left over should be ones you can start preparing for because you’ll likely find that they have many qualities in common.

Career Discovery Success

If you follow these instructions, you will end up with a small list of career possibilities to start preparing for with higher education or training. Start preparing yourself as soon as possible because without taking that step, you may never end up with the career that will make you truly happy.

Top Three Ways to Pay for College

If you’ve visited a college campus, it’s likely you’ve seen hundreds of students walking around on their way to class or to study somewhere. Have you ever thought about how they are managing to pay for the education they are getting? Not all of them come from rich parents that have enough money to pay tuition, books, living expenses and more. Actually, most of them are paying for college on their own using student loans, scholarships, and school grants.

Student Loans

The government and financial institutions such as banks give students loans to help people gain a college education. Loan amounts are based on how much a school costs and the financial history of the student and parents. These loans must be paid back, but it’s not usually until after graduation. Interest rates can be high, but the government has student loan opportunities with low interest rates. You can find out more about these government student loans by visiting StudentLoans.gov.

Scholarships

Scholarships are a lot like loans, but they don’t have to be paid back. Many students receive scholarships from the college they attend, organizations, and associations. Scholarships are often based on academic performance in high school or college and financial need. All of the money awarded in a scholarship must be used to pay for college costs, and any money left over is often sent back. To receive a scholarship, students must apply with information about the school they want to attend, financial documents, and an essay. The best way to find out about available scholarships is searching online or contacting your financial aid office at your school.

School Grants

A school grant often comes from non-profit organizations. It is tax exempt, which means you don’t have to claim it on taxes, as you would with income. Grants often come with expectations such as the student must complete a degree program in a specific discipline to keep the money. Many grants are awarded to people who have been in natural disasters, come from a difficult home life, are a minority, or want to enter a field of work that suffers from a lack of employees.

What’s the Best Way When Paying for College?

Paying for college can be difficult. Many students have to consider the scholarships and school grants they receive, how much they can pay out of pocket, and then how much more money they need through student loans. It can get confusing, as students try to figure out how to suffice all of the requirements. The best advice any student can get about paying for college is to seek as much “free money” as they can, and then utilize student loans sparingly. With so many scholarships and school grant opportunities available, many students can receive an award that could pay most, if not all, their tuition. Since none of the money needs to be paid back, it’s a better situation to be in than graduating with tens of thousands of dollars in debt to start off with in the real world.