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Help Paying for a Child's Education

Who may qualify, the types of education assistance available, and where to find legitimate scholarships and grants.

Paying for a child's education can be difficult when tuition, school fees, books, supplies, transportation, and other education costs add up. Families may be able to find financial assistance through scholarships, grants, school-based aid, government programs, nonprofit organizations, and other education support programs.

The type of help available depends on the child's age, type of school, family income, location, academic circumstances, and other eligibility requirements.

Who May Qualify

Education assistance programs can have very different requirements. Eligibility may depend on:

Some scholarships are based on financial need, while others may consider academic achievement, talent, community involvement, career interests, or other criteria.

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Programs vary based on eligibility, location, school, and the type of educational support needed.

Types of Education Assistance

Scholarships

Scholarships can come from schools, nonprofits, community organizations, foundations, businesses, and other private sources. They may be based on academic achievement, financial need, talents, interests, or a particular field of study.

Education Grants

Some students may qualify for grants that do not generally have to be repaid. For eligible college and career-school students, federal student aid can include grants such as the Federal Pell Grant.

FAFSA-Based Financial Aid

The FAFSA is used to determine eligibility for federal student aid and may also be used by states and schools when awarding their own financial aid. Completing the FAFSA is free.

Work-Study

Federal Work-Study can allow eligible students to earn money through part-time employment while attending school.

State and Local Assistance

States, schools, community organizations, and foundations may offer additional scholarships or education assistance. The available programs and deadlines vary by location.

Assistance for Younger Children

Families with younger children may also find education-related support through early childhood programs, Head Start, special education services, and other child-focused programs.

How Education Assistance Typically Works

  1. Identify the child's education costs and the amount of help needed.
  2. Determine the school level, whether elementary school, high school, college, trade school, or another program.
  3. Search for scholarships, grants, and other assistance.
  4. Check each program's eligibility requirements and deadline.
  5. Gather income, school, and other required documents.
  6. Complete the appropriate applications and compare financial aid offers.

For college students, submitting the FAFSA is an important first step because it can provide access to federal, state, and school-based financial aid.

Frequently Asked Questions

How can I get help paying for my child's education?

You can look for scholarships, grants, school-based financial aid, state programs, nonprofit assistance, and other education support. The appropriate options depend on your child's age and school.

Are there grants to help pay for college?

Yes. Eligible students may qualify for federal grants such as the Pell Grant, as well as state, school, and private grants.

Can parents get financial help for a child's college education?

Yes. Parents and students can explore scholarships, grants, FAFSA-based financial aid, work-study, and other programs. Parents may also have specific responsibilities when completing financial aid forms for dependent students.

How does FAFSA help pay for college?

The FAFSA collects financial information used to determine eligibility for federal student aid. States and colleges may also use FAFSA information when awarding their own aid.

Are scholarships only for students with high grades?

No. Scholarship requirements vary. Some consider academic achievement, while others may focus on financial need, talent, community involvement, career interests, or other qualifications.

Can financial assistance help with books and school supplies?

Some financial aid can be used toward education-related costs, depending on the type of aid and the student's school and program.

What if my family cannot afford college?

Start by completing the FAFSA if the student is eligible, then check scholarships and school-based assistance. Students should also contact the school's financial aid office to discuss available options.

Can a student get help if the family's financial situation has changed?

Possibly. Students with significant changes in family finances can discuss special financial circumstances with their school's financial aid office. The school may be able to review the situation and determine whether an adjustment is appropriate.

Are there education grants for children in elementary or high school?

Some education assistance is available for younger students, but federal student aid such as Pell Grants is primarily for eligible postsecondary education. Families should also look for school, state, local, and nonprofit programs.

Are government education grants free money?

Some grants for eligible students generally do not need to be repaid, unlike loans. However, federal government grants are not simply general-purpose "free money" for anyone's personal expenses. Be cautious of websites promising guaranteed education grants.

Helpful Tips

Do this

  • Start searching for scholarships early.
  • Check your child's school for available financial assistance.
  • Complete the FAFSA if the student is eligible.
  • Keep track of scholarship and financial aid deadlines.
  • Apply for multiple scholarships that match your child's qualifications.
  • Read eligibility requirements carefully.
  • Keep copies of applications and supporting documents.

Common Mistakes to Avoid

Avoid this

  • Waiting until tuition is due before looking for assistance
  • Assuming only straight-A students qualify for scholarships
  • Applying for scholarships without checking eligibility
  • Missing FAFSA, school, or scholarship deadlines
  • Ignoring smaller local scholarships
  • Assuming one financial aid application covers every scholarship

Additional Resources

Useful places to explore include:

USA.gov student financial aid resources
FAFSA application
USA.gov benefits finder
School financial aid offices
State scholarship programs
Nonprofit and community scholarships
Head Start and early childhood programs

USA.gov's student financial aid resources cover grants, scholarships, work-study, loans, and other ways to pay for college or career school.

Ready to Explore Your Options?

If paying for your child's education is becoming difficult, there may be grants, scholarships, financial aid, and other assistance programs worth exploring. Checking potential eligibility is free, and program matching is free.

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