Before considering any form of education loan, students need to investigate possible grants for which they may be qualified. Grant money for college never has to be repaid, and there are a wide array of grant programs designed to benefit every kind of student, and every course of study. Thousands of organizations, both public and private, have grant money to award to students who are struggling to cover the costs of their college tuition.


The Institute of Electrical and Electronics Engineers offers a number of grant and scholarship programs, including the IEEE Computational Society Summer Research Grant for graduate students. This grant funds the research of deserving student scholars into the areas of neural networking and evolutionary computation. Award amounts range from $1000 to $4000.
Students searching for non-government funded college grants should begin by combining their status as a student (undergraduate or graduate), their field of interest and their personal background (minority status, gender, etc). Many grant programs can be found with a focused search of the internet, or through the financial aid offices of colleges and universities. This can be time consuming, but the rewards can be substantial.
One of the most significant sources of grants for college is the United State’s Armed Forces. Education grants from the military help enlisted service-members, their spouses and their dependent children, find the resources they need to pay for college. Each branch of the military, including the army, navy, air force and marines, provides financial aid programs to benefit their service-members. Military sponsored grants are also offered to the children and spouses of service-members who have been killed, or disabled, in the line of duty.
Colleges and universities can also be prime sources for grants. Often, colleges will be given private endowments from individuals and businesses for the purpose of providing financial aid to deserving students. Again, privately endowed grants and scholarships tend to have highly specific eligibility requirements, and may target certain portions of the population such as women or minorities. They may also be dedicated to students pursuing degrees in specific fields or disciplines.
Grants for undergraduate students are a large part of the financial aid landscape. These programs may provide general grant funding for students pursuing any number of degrees, or they may be specific to undergraduates enrolled in science, mathematics or engineering courses. Grants for undergraduate students are available from Federal and state governments, colleges and universities, corporations and professional associations.
The Federal Supplemental Educational Opportunity Grant – The FSEOG is designed to give financial aid to undergraduate students with extreme financial need. The FSEOG program is funded by the Federal government, and administered through the financial aid offices of participating colleges and universities. Students must apply through their college of choice, and grants are awarded on a first come, first served basis.
While military sponsored grant programs offer valuable financial assistance, it should be noted that they are only available to enlisted members of the armed services. Serving one’s country in a military capacity is a noble and honorable choice, but it should not be made lightly. Students considering military sponsored financial aid for college should be certain that they fully understand their obligations as enlisted personnel in the U.S. Armed Forces.
Students pursuing high-need fields of study, like nursing, teaching and STEM subjects may get assistance from state governments. Nursing and teaching grants are issued by states, in return for service obligations that require participants to work in under-served areas.  By committing to work as a teacher or nurse within your state, for a period of two to four years, you might receive tuition abatement that amounts to a free ride through college.  If you don’t follow through on your end of the service agreement, your grant becomes a loan that you must repay-with interest.
Many grant programs are dedicated to the needs of students pursuing specific degrees, and with specific career goals. Typically, these programs are designed to encourage and support those students who are pursuing professional careers in high need fields such as science, mathematics, healthcare, and education. These subject specific grants are sponsored by a variety of sources, including Federal and state governments, corporations and professional associations.
Most college grants are designed to address the needs of students who are facing a financial shortfall in their college funding. That being said, a wide range of grant programs are dedicated to providing financial aid to students in more extreme circumstances. Grants for low-income students are specifically designed to address the financial needs of students from economic or socially disadvantaged backgrounds. Typically, these programs will be sponsored by state and Federal governments, advocacy groups and charitable foundations.

There is a good chance that say the equity in your home and/or some other components of your net worth and income will be held against you in the calculation of your SAR (summary of the financial aid you can expect to receive) of your FAFSA. This does not mean, however, that there are not ways to reduce the financial burdens of the college education expenses.
The Academic Competitiveness Grant is available to students who have already qualified for the Pell grant. A grant award of $750 is available to freshman students, and a further award of up to $1300 is available to qualifying sophomores. The ACG is open to students majoring in a critical need area, such as math, science, technology, engineering and foreign languages.
All college-bound students face enormous challenges when it comes to financing their education. Students who are fighting, or have survived, a serious disease face an additional emotional challenge as they plan for their college education. Many charitable organizations provide much needed financial support for students with severe medical conditions, helping them achieve their dreams of a higher education.
State-funded grants for minorities promote educational diversity and increase access to college for traditionally under-represented groups. Grants for ethnic minorities—African American, Hispanic, Asian, and Native American students—target specific groups needing college cash.  For example, Wisconsin’s Minority Undergraduate Retention Grant disburses funds to second, third and fourth-year minority students pursuing college degrees or vocational training.
Grants for doctoral candidates and graduate students are highly competitive, and focus on the financial needs of students engaged in research to complete their high level degrees. These grants are often referred to as fellowships, and are typically sponsored by colleges and universities as a way of bringing the best and brightest graduate students to their campuses. Unlike the more traditional undergraduate grants, these programs place a great amount of weight on academic achievement. Financial need is a secondary consideration. Grants for graduate and doctoral students are typically high dollar awards, and will include funds for research related travel and stipends for living expenses.
Filing your FAFSA gets the ball rolling on lots of financial aid opportunities, but additional grants are available that might require separate applications.  Your state and other grant foundations put forth narrowly defined student gift aid every year.  Your location, ethnic background, and even your parents’ employer could lead you to the college grant funding you need.
Eastern Florida State College has partnered with BankMobile, formerly HigherOne, to provide refunding and Financial Aid disbursements to our students. Your EFSC refund selection information will be mailed from BankMobile, in a bright green mailer, to the most current mailing address you have on file – so keep your address current through the myEFSC Portal. Once you receive the packet, visit refundselection.com to set up your preferences for how you'd like to receive your refund. You can learn more about this process on EFSC's refund process web page.
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