Federal Grants-Pell Grants for College

Federal Grants-Pell Grants for College

Pell grants, one of the most beneficial government grants for college students, technically came into existence in the year 1972, after amendment of The Higher Education Act of 1965. The main objective of providing pell grants was to give financial assistance to college students for getting education. Over the years, pell grants requirements as well as the pell grant amount has gone through significant changes. Pell grants for college attending students are a source of great support for those students whose families come under the bracket of low income families.

General Facts About Pell Grants

Pell grants are federal government grants and are governed by the US government. No private authority or private firm provides them as it is purely a government effort.

Pell grants are given on a yearly basis and hence, you can only apply during each year you plan to go to the college.

Pell grants needn't be returned unlike loans from private firms.

For the year 2010 - 2011, the Pell grant amount has been fixed to be USD 5,550. Nearly more than half the students receive half of this amount, owing to several factors.

It is purely based on financial needs of the student. A student with the highest requirement of financial aid gets the highest amount of money but not more than the fixed amount, that is, USD 5,550.

The United States Education Department decides a student's eligibility for pell grants.

Federal Pell Grants for College Students: Eligibility Criteria

Knowing all about the eligibility rules to get these grants is crucial so that you can decide if you chances of getting help through this grant. To avail benefits of federal pell grants in your college, you must know about the following:

A simple formula that is used to calculate financial need of a student is:

Financial Need = Cost of Attendance (CoA) - Expected Family Contribution (EFC).

Cost of attendance (CoA) is the total cost of education and expected family contribution (EFC) is what the family can afford to pay. The net amount is taken to be the parameter for financial need.

The maximum limit for threshold EFC is USD 5,273. This means families whose EFC contribution is less than or equal to USD 5,273 are considered for positive pell grant eligibility. Closer the value of EFC is to zero, more will be the chances of financial aid.

Most important requirement for pell grants is that the student must be pursuing his studies in an undergraduate program, or teacher or professional post-baccalaureate program.

The student must not have any poor records of penalization or fraud in a federal or state institution.

Applying for Pell Grants

To apply for pell grants, students have to visit the FAFSA website and fill the FAFSA, or Free Application for Federal Student Aid application form, that is the government's application form. You have to properly fill the form and ensure that nothing is left blank. Based on your application, your request for financial assistance will be considered. Just filling FAFSA form, doesn't qualify you for receiving the grant. In fact, after you've submitted the form, you'll be able to check SAR, or Student Aid Report, that is a document stating various eligibility criteria and EFC amount necessary for qualifying for the grant, in your specific case. Mention every detail asked in the form correctly as every detail is checked by the government. Don't attempt to hide any information as you may end up getting your application rejected. The Student Aid and Fiscal Responsibility Act, or SAFRA in 2010 introduced certain changes in pell grants rules. As stated earlier in this article, the pell grant amount has been raised for 2010 - 2011. Some other major changes are that, based on the parameter, Consumer Price Index (+1%), the pell grants for college amount will increase, starting from 2013. Moreover, pell grants may see more overhauling and changes every year, from 2010 onwards.

Pell grants for college students are one of the best grant programs in existence, till date. Students must be realistic while applying for this program. They must not forget that financial need is the major criteria. Hence, the student's income (if he is working) and the student's parents income (if the student is dependent on them) are vital parameters to be get pell grants. After you're aware of all points about these grants, apply for these grants and secure your education.

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Source:http://www.buzzle.com/articles/pell-grants-for-college.html

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Things to Know about College

Things to Know about College

College years are the most important years of our lives, something that I realized in the final year. These valuable years and time never comes back and believe me if you waste it, you will repent, just like me. While in high school when you wonder which college to take, I would recommend you to seek two important things, one seek the college course that you like and the one that suits you. Two, try to get a scholarship of a Federal students loan by focusing on your grades in the final years at college. Once you have gone through your educational scrutiny and have been accepted at a university or college, you need to start thinking about your financial support such as student loans, government grants and scholarships. This is just a small aspect of the financial support during the college. Upfront and frankly, let me tell you one important aspect of the financial support of college, do not take any other loan than the student loan and also do not take up any credit card, for fast cash and extra cash, do odd jobs or part-time jobs. Here's some advice for college freshmen.

10 Things to Know About College

Here are 10 things that I realized while completing my Bachelor's degree...

Enjoy the Course: Among all the important things that everyone will tell you is, of course, study. Well, I would recommend you something different from what most people have said. Enjoy the course work, this is the best way to learn. Attend all the classes and thoroughly read all the books right from day one. Do not make it monotonous and boring, but make it a nice habit. Now the significance of doing this is that throughout the year if you study for some small volumes of time and attend classes, then your subconscious will naturally assimilate the knowledge, you will be able to 'sleep on it' throughout the year and studying for an exam becomes a piece of cake.

Read and Understand: Instead of 'boning up', copying or just glancing at notes and books, read as much as you can. In fact when you read, you understand and thus answering any question in an exam becomes more of a reflex action. Focusing on reading and understanding will make the course work very, very easy. No I am not talking about locking yourself in the dorm room for hours together, but 4 half hour sessions of focused studies for the entire year will prove to be very successful.

Schedule: College is not just about studying your course work, but is more like a preparation for the future, hence make a schedule for the day and try to stick with it. Allocate time for all the things such as sports, friends, music, etc. Basically, start becoming a good person who values time.

Fitness: Put in some good habits into yourself regarding health and fitness right from the first day, small workouts or even playing something such as baseball or football for a short time every day will help you to stay fit. Apart from that a good healthy diet, with a good amount of fruits and vegetables and less alcohol will keep you in good shape.

Know about Professions: You will be of course be thinking about a career in some or the other field. Start reading about famous and successful people from the fields in which you will like to work. This will prove to be a great passion builder for you and subconsciously you will start working towards some or the other goals.

Connections: Be the nice guy or girl on the campus, that is do not get into fights and even any psychological warfare. College is the best place to start building your image as a great person. This does not mean that you need to be with your friends all the time, just don't think negative of any body and that will do the trick.

Pray and Meditate: The human brain needs solace in some place hence you need to meditate and pray or just take a walk all by yourself to be quiet and peaceful for 15 minutes every day. Note that it states your constitution on the right track every day.

Teachers and Library: Be friendly with teachers, not to do something bad but the teacher community always sets your brain thinking in the right manner. Indirectly your soft skills would be sharpened and you will of course develop the right clockwork in your brain.

Persevere: Among all the things you need to know about college, one thing that you need to know is to persevere. College is not just about getting education but is phase that makes you ready to out in the world, patiently persevere is the best key to success.

Define Fun: There is always a lot of gossip regarding parties and raves and how 'chilled out' a specific year is, well do not believe any of those. True you will have a lot of fun, but as of course, let it be decent and in proportion. There is nothing such as a college guilt free wonderland.

College is a great time for all people to not just turn over a new leaf but also mold yourself as a person, it is with effect a preparation for the future. Among all the things perhaps the most vital is to be yourself and enjoy yourself. In the process, you will find joy.

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Source: http://www.buzzle.com/articles/things-to-know-about-college.html

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Finding and Applying for Government Grants

 Finding and Applying for Government Grants

This instruction will introduce some resources and strategies to discover and apply for grant programs that you may be qualified for.

The single best source for finding grant opportunities is the Government site at www.grants.gov . There are four wherewithal to quest for grants on this website. The first way is a painless research. This enables you to research by a keyword, funding opportunity number, or CFDA number. The CFDA stands for Catalog of Federal Domestic Assistance. This number and the funding opportunity number are used for restricted grants. Once you have found a grant proposition, scribble these numbers down so that you will be able to return to the details of that grant quickly using one of these numbers.

The second type of inquiry is by category. There are 21 incomparable styles that you can pursuit by including arts, employment, environment, health, and others. The third way to research is by Government agency. There are at least 40 agencies offering grants.

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The last way is the brand-new inquiry which allows you to inquiry by keyword plus the days since posted, agency, category, eligibility and more. You can also be emailed indubitally when grants in a various opportunity number category are posted.

Once you have the Funding Opportunity and/or CFDA number of the grant for which you want to apply, you love it to download a grant application and apply for a grant. Be sure to follow the big ideas specifically and review the application several times for completeness.

You must register to organise a Grants.gov account and score approval from your organization to submit applications. This also provides you with the ability to track your application status.

When you are ready to submit the completed application, you will then yearn to log into Grants.gov using the username and password you entered when you registered with.

Once you have submitted an application, you can check the status of your application submission. You can unearth your application by CFDA Number, Funding Opportunity Number, Competition ID, and/or Grants.gov Tracking Number.

 Visit to: http://thegovernmentfundedgrant.blogspot.com/

Source: http://www.articlesbase.com/business-articles/finding-and-applying-for-government-grants-143662.html

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Try To Get Federal Government Grants

Try To Get  Federal Government Grants

All Federal Government grants, projects, programs, services and activities that supply assistance and benefits to citizens are cataloged inside the Catalog of Federal Domestic Assistance. All financial and non-financial assistance programs implemented through departments and establishments to the US Government are recorded within the Catalog of Federal Domestic Assistance.

In 1984 a cubicle of Management and Budget transferred responsibility for Federal domestic assistance program information to the final Services Administration. This transfer was mandated by the Federal Program Information Act and included requirements for distribution in the CFDA.

Responsibility for any database of Federal assistance lies with all the General Services Administration. The OMB interfaces with the selection of Federal agencies regarding the Services Administration delivering the specified oversight for the program data relevant to domestic assistance.

The CFDA will be the basic reference manual providing home elevators all Federal domestic activities. Its most essential function is allowing users to name programs of particular interest. The Catalog of Federal Domestic Assistance is an exceptional resource for basic information on Federal assistance programs. Additionally, the CFDA endeavors to boost communications and enhance coordination between State and Local entities and the us government.

The Catalog affords the user with having access to programs administered by Federal departments and agencies in a single publication. Program info is cross referenced by functional classification (Functional Index), subject (Subject Index), applicant (Applicant Index), deadline(s) for program application submission (Deadlines Index), and authorizing legislation (Authorization Index). They're valuable resource tools that, if used carefully, causes it to be easier to identify specific parts of program interest more effectively.

For a long time, GSA has published a printed version from the Catalog, as required by legislation dating to 1977 and 1983. That same legislation allowed GSA to distribute free copies of the printed Catalog to designated recipients. In fiscal year 2003, nearly 10,000 paper copies on the Catalog were distributed without cost on the recipients.

New rulings now increases the General Services Administration discretion in what form to generate and disseminate the Catalog of Federal Domestic Assistance. The Services Administration is endeavoring to advance to some more paper free environment and toward that end now maintains and distributes the Catalog in the CFDA Website. The Services Administration will no longer prints and distributes free copies on the Catalog.

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Federal Grants for First Time Home Buyers

Federal Grants for First Time Home Buyers

The economic recession or bubble, which hit the United States economy further aggrieved home buyers, as the recession had undoubtedly created an economic bubble in the real estate sector. Another important aspect was the burden of mortgage loan and home loans. In order to ease this burden, Federal grants have been implemented by the United States government for first time home buyers.

The basic process of home buying is simple and people tend to follow it, as if it's a convention. The buyer first short lists on a couple of properties that he is willing to buy. Then the buyer approaches the mortgage lenders who originate the loan. After the lenders take a credit report check, the underwriting process for the short listed properties is initiated. The underwriter points out to the property that has a better future equity raise projection. The buyer then pays the closing costs and undertakes the down payment, upon which the mortgage is approved and the property is bought.

Government Grants for First Time Home Buyers

Federal grants is financial aid provided by Federal government, State governments and United States Department of Housing and Urban Development, to first time home buyers, and broadly referred to as the housing grants federal programs. First time home buyers can easily avail such financial aid, as such funds are not meant for repayment.

The Federal government aims at eliminating such costs so that home buyers do not have to worry about down payments and closing costs. In some cases additional funds that can be used, or the first installments are also granted. Some of the important government grants have been elaborated here, take a look and apply through the department's website.

Grants for First Time Home Buyers: This grant is basically granted to those people who do not qualify for some or the other recognized mortgage loan. The usual amount that is approved is about 10% of the total home value. There are however some or the other qualifying requirements and requisites for this grant. The grant is provided through the Department of Housing and Urban Development.

American Dream Grant: This grant is also known as the American Down Payment Initiative. This government grant is aimed at taking off the down payment costs, initiated in the year 2003, it was authenticated by an enactment by the same name. The initiative was aimed at providing home buyers, with either 6% of purchase cost or with $10,000, whichever is higher.

Additional Home Grant Program: Community Development Block Grants (CDBG), Emergency Shelter Grants (ESG) and Housing Opportunities for Persons with AIDS (HOPWA), are some of the additional housing programs that provide grants to people upon the fulfillment of some requisite condition.
203(b) Mortgage Insurance: Mortgage repayment is an important, issue for most new home buying. Such home buyers are granted a mortgage insurance policy by the HUDs, which helps and ensures the repayment of the loan.


Visit to: http://thegovernmentfundedgrant.blogspot.com/


Source: http://www.buzzle.com/articles/federal-grants-for-first-time-home-buyers.htm


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The economic recession or bubble, which hit the United States economy further aggrieved home buyers, as the recession had undoubtedly created an economic bubble in the real estate sector. Another important aspect was the burden of mortgage loan and home loans. In order to ease this burden, Federal grants have been implemented by the United States government for first time home buyers.

The basic process of home buying is simple and people tend to follow it, as if it's a convention. The buyer first short lists on a couple of properties that he is willing to buy. Then the buyer approaches the mortgage lenders who originate the loan. After the lenders take a credit report check, the underwriting process for the short listed properties is initiated. The underwriter points out to the property that has a better future equity raise projection. The buyer then pays the closing costs and undertakes the down payment, upon which the mortgage is approved and the property is bought.

Government Grants for First Time Home Buyers

Federal grants is financial aid provided by Federal government, State governments and United States Department of Housing and Urban Development, to first time home buyers, and broadly referred to as the housing grants federal programs. First time home buyers can easily avail such financial aid, as such funds are not meant for repayment.

The Federal government aims at eliminating such costs so that home buyers do not have to worry about down payments and closing costs. In some cases additional funds that can be used, or the first installments are also granted. Some of the important government grants have been elaborated here, take a look and apply through the department's website.
Grants for First Time Home Buyers: This grant is basically granted to those people who do not qualify for some or the other recognized mortgage loan. The usual amount that is approved is about 10% of the total home value. There are however some or the other qualifying requirements and requisites for this grant. The grant is provided through the Department of Housing and Urban Development.
American Dream Grant: This grant is also known as the American Down Payment Initiative. This government grant is aimed at taking off the down payment costs, initiated in the year 2003, it was authenticated by an enactment by the same name. The initiative was aimed at providing home buyers, with either 6% of purchase cost or with $10,000, whichever is higher.
Additional Home Grant Program: Community Development Block Grants (CDBG), Emergency Shelter Grants (ESG) and Housing Opportunities for Persons with AIDS (HOPWA), are some of the additional housing programs that provide grants to people upon the fulfillment of some requisite condition.
203(b) Mortgage Insurance: Mortgage repayment is an important, issue for most new home buying. Such home buyers are granted a mortgage insurance policy by the HUDs, which helps and ensures the repayment of the loan.


Visit to: http://thegovernmentfundedgrant.blogspot.com/


Source: http://www.buzzle.com/articles/federal-grants-for-first-time-home-buyers.html


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Applying for Free Grant Money

Applying for Free Grant Money

A grant is a financial assistance that is provided to people to help support a particular cause. Grants can be both need based as well as merit based. In the US, there are 26 Federal agencies that offer over 1,000 grant programs annually in various categories, viz. Agriculture, Business and Commerce, Community Development, Disaster Prevention and Relief, Education, Employment, Labor and Training, Arts, Energy, Environmental Quality, Food and Nutrition, Health, Housing, Humanities, Information and Statistics, Law, Justice and Legal Services, Natural Resources, Recovery Act, Regional Development, Science and Technology, Social Services and Income, Security and Transportation. In addition to Federal grants, there are numerous private entities that provide grants as well.

Availability of Federal Grants

It would behoove the readers to note that although there are numerous federal grants, very few of these are available to individuals. Moreover, grants are not provided for personal financial assistance. Typically, federal grants are made available to the following entities: Government Organizations, Educational Associations and Organizations, Public Housing Organizations, Non-Profit Organizations and Small Businesses.

Generally, federal grants are available to non-profit organizations and are for non-commercial purposes. Some federal grants are provided for the purpose of aiding community development and for conducting research in the field of health and medicine, science & technology and environment, and for promoting arts, humanities, and education. Small Business Innovative Research Grants were instituted in accordance with the Small Business Innovation Development Act of 1982. These small business grants are awarded for research and development in the following areas: environment, defense, health care, and information management.

Student grants are the most readily available federal grants. Grants for college students are both merit based as well as need based. Students have the option of applying for the following grants: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG) , Academic Competitiveness Grant (ACG) and the National Science and Mathematics Access to Retain Talent Grant. Of these, Federal Pell Grant and Federal Supplemental Educational Opportunity Grant are need based while the Academic Competitiveness Grant (ACG) and the National Science and Mathematics Access to Retain Talent Grant are merit based.

How to Apply for Grant Money

Applying for college grants is easy since students have to fill out free grant money applications, better known as FAFSA (Free Application for Federal Student Aid). This application is available at the high school guidance office, or people may choose to complete the application online by visiting the FAFSA or Student Aid website.

As far as other federal grants are concerned, individuals and aforementioned entities may visit the grants.gov website to complete the application. This website was established as a part of the President's 2002 Fiscal Year Management Agenda to improve government services to the public. People have access to approximately $500 billion in annual awards, and by registering just once they can apply for grants provided by the 26 federal grant disbursing agencies. The registration process takes 3-5 days and people have the facility of checking the status of their applications online.

In addition to applying for government grants, people have the option of applying for private grants, the procedure for which varies depending upon the disburser. Grantees must take adequate care and present a convincing case while drafting or filling out grant money applications. Individuals and institutions can try approaching non-profit entities for further details.

Visit to: http://thegovernmentfundedgrant.blogspot.com/

Source: http://www.buzzle.com/articles/free-grant-money-applications.html

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