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College Education: Scholarship Grants or Financial Aid?
What is today's cost for a college education? Is there an available financing scheme? Let’s face the reality. College education is expensive! A lot of parents get that "deer in the headlights" look when their children are preparing and looking forward to attending a community college or a state university, and the costs start to be added up. There are a lot of things which comprise the cost of college education, and the tuition fees are just a part of the big picture of getting into college. Other everyday expenditures includes food, transportation, housing, pocket money, and other miscellaneous fees which when added up can create a significant portion in financing a college education. A lot of families in this day and age, even if they belong to the upper-class society, think about applying for financial aid. College grants and scholarships are the most excellent kind of financial assistance. Grant and scholarship programs do not require students or the family to pay them back. These could be of two kinds: (1) based on need, which is given due to the financial inability of the student and the family as a whole, and (2) base on merit, the talent of the student like in sports, is the main consideration. The student’s academic ability also falls under the merit-base college grant and scholarship. There is also a third type which is becoming increasingly common with all the institutions that are providing college scholarships these days: the kind that is awarded because nobody else applied for it, and the business or institution needs the tax writeoff, which they cannot take if they don't award the scholarship. Oftentimes, college grants and scholarships combine the merit and need criteria to ease out the whole financial aid process. Numerous students and their families are on the lookout for this type of financial aid. However, college grants and scholarships are limited compared with the growing number of students year after year. Although the number of scholarships increases each year, the number of students entering college increases even faster. Qualifying students can avail of federal and a number of state scholarship programs. Some of which are the following: Federal or National Pell Grants – this is a program funded nationwide intended to endow assistance to any qualified undergraduate learner pursuing postsecondary schooling. Grants and scholarships of this kind are given to those who have not finished a baccalaureate degree. The worth of the grant can vary year after year and will depend largely on the financial need of the students, the expenses that will be incurred while attending the chosen university or college, and the availability of funds from the national government. This type of grant will open opportunity for the students to avail succeeding financial aid from the national government. Federal Supplemental Educational Opportunity Grant (FSEOG) – this is a program for ongoing undergraduate students with outstanding monetary need. However, not all students can avail this type of grant. This will depend on the eligibility of the students and availability of finances of the concerned school. Another form of financial aid that students and families can turn to is through loans. This type of financial assistance should be paid back. The financial need of the family should be considered thoroughly to avoid paying high interest rates. It is also a must to understand all the terms of lending agencies such as the schedule of repayment and interest rates, before signing in or making a commitment. Work study is a form of financial assistance which calls for students to do labor to sustain their college education. Work study is commonly done on campus and is the most typical form of financial aid in all universities and colleges. Usually, the students will render service to schools for ten to fifteen hours per week. Scholarships, grants and other forms of financial aid to acquire college education is really multi-faceted, confusing at times, and even exasperating. The good thing is that college education is a non-refundable and non-biodegradable type of investment. It is for the future! 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