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    Grants and Scholarships

    Grants and scholarships are excellent ways to fund your education without having to repay the money. Here’s a guide to help you understand and navigate the process of finding and applying for grants and scholarships.

    What are grants and scholarships?

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    Grants: Financial aid typically based on need. Grants are often provided by federal and state governments, colleges, and private organizations.

    Scholarships: Financial awards based on merit, talent, or specific criteria such as community service, academic achievement, or athletic ability. Scholarships can come from a variety of sources, including colleges, private organizations, and foundations.

    How to Find Grants and Scholarships

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    Federal Grants:

    • Pell Grant: For undergraduate students with exceptional financial need. Apply through the FAFSA (Free Application for Federal Student Aid).
    • Federal Supplemental Educational Opportunity Grant (FSEOG): For undergraduates with exceptional financial need. Apply through the FAFSA.

    State Grants:

    • Many states offer grants for residents attending in-state colleges. Check your state’s education department website for details and application procedures.

    College and University Scholarships:

    • Institutional Scholarships: Offered directly by colleges and universities. Check with the financial aid office of the schools you’re interested in.
    • Departmental Scholarships: Offered by specific departments within a college (e.g., engineering, arts). Contact the department directly for information.

    Private Scholarships:

    • Scholarship Search Engines: Websites like Fastweb, Scholarships.com, and the College Board Scholarship Search can help you find scholarships based on your profile.
    • Community Organizations: Local businesses, clubs, and organizations often offer scholarships. Check with community foundations, local libraries, and high school counselors.
    • National Organizations: Groups like the National Merit Scholarship Corporation, the Gates Millennium Scholars Program, and the Coca-Cola Scholars Foundation offer prestigious scholarships.

    Employer Scholarships:

    • Some employers offer scholarships to employees or their children. Check with your or your parents’ employer for available programs.

    How to apply

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    1. Complete the FAFSA:
      • The FAFSA is essential for federal grants, state grants, and many institutional scholarships. Fill it out as soon as possible after October 1st each year.
    2. Research and Make a List:
      • Identify the grants and scholarships you are eligible for and make a list of application deadlines and requirements.
    3. Prepare Your Documents:
      • Gather necessary documents such as transcripts, letters of recommendation, financial information, and personal identification.
    4. Write a Strong Personal Statement:
      • Many scholarship applications require a personal statement or essay. Highlight your achievements, goals, and why you deserve the scholarship.
    5. Apply Early and Follow Instructions:
      • Submit applications well before deadlines and follow all instructions carefully. Missing a detail can disqualify your application.
    6. Seek Help:
      • If you have questions or need assistance, reach out to your school counselor, financial aid office, or a trusted mentor.

    Tips for Success

    • Stay Organized: Keep track of deadlines, application requirements, and submission dates.
    • Apply Widely: Apply for as many grants and scholarships as possible to increase your chances of receiving aid.
    • Proofread: Ensure your application materials are free of errors and clearly present your qualifications.
    • Follow Up: Confirm that your application was received and check the status if you haven’t heard back by the expected notification date.

    By taking advantage of grants and scholarships, you can reduce the financial burden of your education and focus more on your academic and personal growth. Start early, stay organized, and don’t hesitate to seek out resources and support throughout the application process.

    Eating Disorders

    Many people worry about their weight and have body-image issues. But if thoughts about food are taking over your life, you might be dealing with disordered eating or an eating disorder. If you’re concerned about your own eating habits or a friend’s, there are many ways to get help.

    Common Types of Eating Disorders

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    Anorexia:

    • Not eating or eating very little.
    • Intense fear of gaining weight.
    • Obsession with losing weight and being thin.
    • Feeling overweight even when underweight.

    Bulimia:

    • Eating large amounts of food in a short period.
    • Purging (vomiting or using laxatives or diuretics) or over-exercising to get rid of calories.

    Binge Eating Disorder:

    • Regularly eating large amounts of food in a short period without purging.
    • Feeling out of control when eating.
    • Feeling guilty or depressed after eating.

    Do I have an eating disorder?

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    You might have an eating disorder if you think constantly about food, weight, and body size and it:

    • Affects your mood.
    • Interferes with your usual activities.

    How can I get help?

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    If you think you might have an eating disorder or disordered eating, it’s crucial to reach out for help. Here are some steps you can take:

    • Talk to a Trusted Adult: This could be a foster parent, caseworker, teacher, or school counselor.
    • Seek Professional Help: Mental health professionals can provide support and treatment plans tailored to your needs.
    • Join Support Groups: Connecting with others who understand what you’re going through can be incredibly helpful.

    Remember, recognizing the problem is the first step towards recovery. There are many resources and people ready to support you.

    Options for Obtaining GED

     If you didn’t graduate high school or want to get into a college or university, you can get what is called a GED or HiSET in some states.

    I want to go to college but didn’t get my high school diploma. How can I get my GED?

    Foster Kids United offers all foster youth nationwide the ability to get their GED through our GEDWorks program! For more information go to

    Apply for a Student Loan

    Apply for a Student Loan

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    Student loans in the USA offer financial support to help cover the costs of higher education. These loans must be repaid after you complete your studies.

    Good news! You might also qualify for a grant. When you apply for a student loan, your eligibility for grants is automatically assessed, and if you qualify, you’ll receive the grant along with your student loan.

    Do I qualify for a student loan?

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    Your school might qualify for grants. If you’re planning to attend a major college, institute, or university, you should be fine. If you’re unsure whether the school you’re attending qualifies, check the list of eligible schools provided by the U.S. Department of Education.

    How do I apply for a loan?

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    Applying for a student loan in the U.S. involves several steps, from gathering necessary documents to completing the Free Application for Federal Student Aid (FAFSA). Here’s a detailed guide to help you through the process:

    Step 1: Gather Necessary Documents

    Before you start your application, make sure you have the following information and documents:

    • Social Security Number (SSN)
    • Driver’s license or state ID
    • Federal tax returns from the previous year (for both you and your parents if you’re a dependent student)
    • W-2 forms and other records of money earned
    • Bank statements and records of investments
    • Records of untaxed income
    • An FSA ID to sign electronically (you can create this at the FSA ID website)

    Step 2: Create an FSA ID

    • Go to the Federal Student Aid (FSA) website.
    • Create an FSA ID, which consists of a username and password. This ID allows you to sign your FAFSA electronically and access your federal student aid information.

    Step 3: Complete the FAFSA

    1. Visit the FAFSA Website:
    2. Start Your Application:
      • Select “Start A New FAFSA.”
      • Enter your FSA ID to log in.
    3. Fill Out the FAFSA Form:
      • Provide personal information such as your name, date of birth, and SSN.
      • List the schools you are interested in attending. You can add up to 10 schools.
      • Answer questions about your dependency status.
      • Provide financial information, including your and your parents’ tax information if applicable. You can use the IRS Data Retrieval Tool to import tax information directly.
    4. Sign and Submit:
      • Sign the FAFSA form using your FSA ID.
      • Have a parent sign with their FSA ID if you are a dependent student.
      • Submit the form. You will receive a confirmation email once it’s successfully submitted.

    Step 4: Review Your Student Aid Report (SAR)

    • After submitting your FAFSA, you’ll receive a Student Aid Report (SAR) summarizing the information you provided.
    • Review the SAR carefully to ensure all information is accurate. Make any necessary corrections on the FAFSA website.

    Step 5: Check Your Expected Family Contribution (EFC)

    • The SAR will include your Expected Family Contribution (EFC). This number determines your eligibility for federal student aid.
    • Schools use the EFC to create a financial aid package that may include grants, work-study, and loans.

    Step 6: Apply for Additional Financial Aid (if necessary)

    • Check with the financial aid office at your chosen school for additional forms or applications required for school-specific aid or scholarships.

    Step 7: Review and Accept Your Financial Aid Package

    • Once admitted to a school, you’ll receive a financial aid award letter detailing the aid you are eligible to receive.
    • Review the package carefully. Decide which aid to accept. You are not required to accept all aid offered.

    Step 8: Complete Entrance Counseling and Master Promissory Note (MPN)

    • If you accept federal student loans, you must complete entrance counseling and sign a Master Promissory Note (MPN).
    • Entrance Counseling: Go to studentaid.gov and complete the counseling session, which ensures you understand the responsibilities and obligations you are assuming.
    • MPN: Sign the MPN on studentaid.gov to agree to the terms of your loans.

    Step 9: Receive Your Funds

    • The school will first apply your loan funds to your tuition, fees, and room and board.
    • Any remaining funds will be disbursed to you for other education-related expenses.

    Step 10: Maintain Eligibility

    • Stay enrolled at least half-time.
    • Make satisfactory academic progress.
    • Renew your FAFSA each year to continue receiving aid.

    By following these steps, you can successfully apply for and receive student loans to help fund your education. Always stay informed about your loan terms and manage your borrowing responsibly.

    Exploring College, Trade School, or University

    There are a lot of reasons to go to school or go back to school: to get the skills for your first job, to pursue your interests and passions, or for a promotion. Whatever your reasons, it’s important to have the facts about certification, funding, and applying. 

    What are your options?

    Traditional College Degrees

    • Associate’s Degree: A two-year program often focused on specific skills or trades. It’s a great stepping stone to further education or entering the workforce.
    • Bachelor’s Degree: Typically a four-year program that offers in-depth knowledge in a specific field, opening doors to many career opportunities.
    • Master’s Degree: For those looking to specialize further, a master’s program offers advanced education and can significantly boost career prospects.
    • Doctorate Degree: The pinnacle of academic achievement, ideal for those interested in research, academia, or high-level professional practice.

    Vocational and Technical Training

    • Trade Schools: These institutions offer hands-on training in specific trades like plumbing, electrical work, or automotive repair. It’s a direct path to skilled, high-demand jobs.
    • Technical Certifications: Programs that provide certification in areas such as IT, healthcare, or skilled trades. They are often shorter than degree programs and focused on specific skill sets.

    Online Education

    • Online Degrees: Many universities offer online programs, providing flexibility for those balancing work, family, or other commitments.
    • MOOCs (Massive Open Online Courses): Platforms like Coursera and edX offer courses from top universities. These can range from professional development to personal interest subjects.
    • Professional Certifications: Online platforms also offer certifications in areas like project management, digital marketing, and more, which can be completed at your own pace.

    Continuing Education

    • Workshops and Seminars: Short-term educational experiences that provide knowledge and skills in specific areas. They are often offered by professional organizations or universities.
    • Adult Education Programs: Community colleges and local organizations often provide classes for adults looking to learn new skills, whether for personal interest or career advancement.

    Apprenticeships and Internships

    • Apprenticeships: Combine on-the-job training with classroom instruction, typically in skilled trades. They are paid positions that lead to certification.
    • Internships: Provide practical experience in a field of interest, often as part of a degree program. They can be paid or unpaid and offer valuable industry connections.

    Entrepreneurship and Starting Your Own Business

    • Business Incubators: Programs that provide resources, mentorship, and funding opportunities for new startups. They often offer networking opportunities and expert advice.
    • Entrepreneurship Courses: Many universities and online platforms offer courses focused on starting and running a business, covering topics like business planning, marketing, and finance.
    • Small Business Development Centers (SBDCs): These centers offer free consulting services and training workshops to help entrepreneurs start and grow their businesses.
    • Networking Events: Local business groups and industry-specific associations often host events where entrepreneurs can connect, share ideas, and find potential partners or investors.

    Scholarships and Financial Aid

    • Grants and Scholarships: Financial awards that do not need to be repaid, available based on need, merit, or specific criteria such as field of study or demographics.
    • Student Loans: Funds that are borrowed to pay for education and must be repaid with interest. They can be federal or private loans.
    • Work-Study Programs: Part-time employment opportunities for students with financial need, allowing them to earn money while attending school.

    How do you apply and then get funding?

    Step 1: Research and Choose Your Program

    1. Identify Your Goals: Determine what you want to achieve through your education, whether it’s acquiring new skills, earning a degree, or enhancing your career prospects.
    2. Explore Programs: Research various educational institutions and programs that align with your goals. Consider factors such as program content, duration, location, and reputation.
    3. Visit Websites and Attend Info Sessions: Check the official websites of the institutions and attend informational webinars or open houses to gather detailed information.

    Step 2: Prepare and Submit Your Application

    1. Check Admission Requirements: Review the specific admission requirements for each program, including prerequisites, application deadlines, and necessary documents.
    2. Gather Required Documents: Common documents include transcripts, letters of recommendation, a resume, a personal statement, and standardized test scores (if applicable).
    3. Complete the Application: Fill out the application forms carefully, ensuring all information is accurate and complete.
    4. Submit Your Application: Submit your application before the deadline. Some institutions may charge an application fee.

    Step 3: Apply for Financial Aid and Scholarships

    1. Fill Out the FAFSA: If you’re in the U.S., complete the Free Application for Federal Student Aid (FAFSA) to determine your eligibility for federal grants, loans, and work-study programs.
    2. Research Scholarships: Look for scholarships offered by the institution, private organizations, and government bodies. Websites like Fastweb and Scholarships.com are great resources.
    3. Apply for Grants: Investigate grants offered by federal and state governments, as well as private foundations. Examples include the Pell Grant and the Fulbright Program.
    4. Check Institutional Aid: Many colleges and universities offer their own grants and scholarships based on merit or financial need.

    Step 4: Explore Student Loans

    1. Federal Student Loans: If you need to borrow money, federal student loans typically offer lower interest rates and more flexible repayment options compared to private loans. Apply for these through the FAFSA.
    2. Private Student Loans: Research and compare private student loans from banks, credit unions, and online lenders. Pay attention to interest rates, repayment terms, and any fees.

    Step 5: Consider Work-Study Programs

    1. Federal Work-Study: If you’re eligible, the federal work-study program provides part-time jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses.
    2. On-Campus Jobs: Many institutions offer various on-campus employment opportunities that are not part of the federal work-study program.

    Step 6: Finalize and Accept Your Funding

    1. Review Financial Aid Offers: Once you receive your financial aid offers, review them carefully. Consider the mix of grants, scholarships, and loans.
    2. Accept the Offers: Follow the instructions provided by the institution to accept your financial aid package. You may need to complete additional paperwork for loans.
    3. Plan Your Budget: Create a budget to manage your expenses, including tuition, books, housing, and other living costs.

    Useful Resources and Links

    Related Information