Grants For Single Mothers – The Money Is Out There What’s Keeping You From Getting Your Share?

Grants for single mothers are in abundance from both the U.S. government and private organizations. So it’s not a question of whether or not there’s money available to help you get an education, find housing or even prepare for the job market. The total amount of money available is easily in the billions of dollars.

So how come so many single moms like yourself have yet to take advantage of all of this “free money?” That’s a good question that doesn’t have an easy answer. But there are some common reasons thousands don’t even bother to apply for financial assistance. Let’s take a look at the facts and myths.

Myth … Most Grants For Single Mothers Have To Be Repaid

Fact: That’s incorrect. Grants for single mothers in and of themselves are designed to assist single moms and anyone else who is in financial need. Think about it, why require a person who has limited financial resources to pay back a grant.

Myth … There Are No Grants Or Assistance To Pay For Child Care Costs

Fact: Not true! It may take some time and research, but there are grants to help defray child care costs. In fact many states offer programs specifically to help single moms with daycare so they can work and or attend school. It is in their best interest to help you out. If you are focused on getting an education. The chances the state will have to continue to assist you financially in the future is less likely. The Child Care And Development Block Grant was created to provide financial assistance to state programs. Get in touch with your state’s Department of Children & Family Services to find out what’s available.

Myth… Too Old To Get Money For College

Fact: Nothing could be further from the truth. The U.S. Federal Government does not discriminate. This means it doesn’t matter if you’re 25, 45, 75 or a 100! If you meet the financial aid requirements there are grants for single mothers no matter how old you are. As the economy continues to shift. The days of depending on just a high school diploma is rapidly disappearing. More and more employers require at least a bachelor’s degree.

Myth … The Process Is Too Complicated

Fact: Actually, the process is pretty simple and straight forward. There is some paperwork involved. But it’s not complicated. To make it easier, ask your financial aid department what documents and information you’re going to need. Then make sure you gather everything required. If you need help filling out the application, ask for help.

Myth… Grants For Single Mothers Do Not Cover All Of The Tuition & Fees

Fact: That’s true and false. If you’re attending a university where the tuition exceeds the maximum amount of the award. Then it’s true. It means you’re going to have to find additional means of funding your education. Thousands of single moms find themselves in this predicament. But they don’t throw in the towel. They look to see what else is available and apply. If getting a higher education is important to you. You’ll find a way.

On the other hand, if you’re attending a community college. Grants for single mothers like the popular Pell Grant will cover your entire tuition costs.

Myth … It’s Too Difficult And Time Consuming To Find Grants

Fact: Uh ever heard of the internet? Start searching for “grants for single mothers” on line. You’ll find thousands of grants offered by corporations, colleges, universities, vocational schools and non profits. Now, yes it’s going to take time weeding through them all. Some you will qualify for and others you will not. But ultimately it’s up to you to get the ball rolling.

Myth … Grants For Housing Assistance Take Too Long

Fact: Well depending on where you live and the programs offered, this may indeed be the case. Unfortunately, when you need emergency housing the wheels of bureaucracy can move slowly. However, in many cases you will be offered temporary housing until permanent housing can be found. Some grants for single mothers looking for housing offer emergency funds in the form of a voucher. You’ll be able to locate housing in privately owned homes and apartments approved by the program providing assistance.

There are also some universities who offer housing specifically for those students who are also single moms.

Myth … I Don’t Meet The Financial Requirement Now What?

Fact: Unfortunately, most grants for single mothers are based on financial need. There is no wiggle room when it comes to this requirement. This mean you’ll need to look for other grants that are not financially based. In terms of education, you may apply for grants based on your academic performance. If you’ve got the grades, apply for those grants and scholarships. Also, almost every degree program has a special grant available for those studying in specific fields.

If you don’t qualify on the financial level, there are grants specifically for women in business, science, teaching, technology and a long list of others. So don’t think you can’t go to college because of finances. It may take some creativity on your part. But you can do it!

Myth… Why Get A Grant For College…The Job Market Is Terrible!

Fact: While it’s true the job market and economy is not the best. One thing is certain, it’s even worse for those without a degree. Most jobs that pay a good salary require that you have a degree. Yes there are many who already have their degrees and are finding it tough to find employment in their chosen field. Some careers are simply stagnant at the moment. Use grants for single mothers to pay for your education in a hot career with growth potential. If it’s an area you’re interested in studying. Your chances of employment is much more likely.

Myth… College Grads Don’t Make More Money Than Those Who Are Not

Fact: According to a 2011 study conducted by Georgetown University. They found that college grads earn 84% more throughout their lifetime compared to those without degrees. Wow!

You’ve Got The Facts!…Time To Go Get Your Grant!

Now you can hopefully feel more confident about finding and applying for grants for single mothers. It doesn’t matter if you need help with housing for you and your child. Or to cover tuition. The money is out there, if you don’t apply. Someone else will.

Grants And Scholarships For Single Mothers – The Facts On Getting Your Share

Grants and scholarships for single mothers do exist but you’ll need to prepare yourself to put in the time and effort to find one for you. As a single mom you may face a lot of different challenges on a daily basis. But that’s what separates you from everyone else. When things get tough, it’s often the single mom who stands up and says “I got this!”.

So now that you’ve decided to go back to school, you’re going to need grant and scholarship programs to help you get tuition and other fees paid.

There are thousands of organizations offering money for college. But it’s not as easy as calling them up or just filling out an application. The cold hard fact is most of the grants and scholarships for single mothers available, you may not even qualify for. So the key to increasing your chances of getting one of these grants or scholarships is to check and double check the requirements.

It may sound obvious, but you’d be surprised at how many single moms just apply for any and every scholarship or grant they can find. Hoping that if they fill out enough applications one of them maybe two will award her tuition money.

Well that’s not a good idea. It can also be a waste of time.

Instead, a better idea is to spend a few extra minutes reading the eligibility requirements. If a scholarship for example, states you must have a GPA of at least 3.0 and yours is a 2.5. Move on to the next one. Even if you meet the other criteria, your application will be set aside.

The competition for these grants and scholarships for single mothers can be very competitive. Especially if offered via a non profit organization. They tend to be real sticklers about “following the rules.” Avoid frustration right from the start and only apply for the ones you’re actually eligible for.

Some grants and scholarships for single mothers will base their decision on both financial need and your circumstances. Some will ask you to either write an essay explaining your life, financial struggles and your goals.

You want to make sure your honest about whatever you write. Most of these organizations have board members to decide which applicants are worthy of receiving their financial assistance. Believe us when we tell you, they’ve seen and heard it all. They can tell the difference between a true heartfelt essay on someone’s life. And one that is just made up to try and influence their decision. It’s always best to be honest.

Most scholarships you could apply for are usually offered if you are already enrolled. For example, if you want to become a Certified Public Accountant. There are are CPA organizations that offer scholarships to those who want to become CPA’s. They also tend to base their criteria on your academic performance. If you’ve got the grades and other factors, you may be eligible.

Another point to keep in mind. Just because you have the grades and satisfy whatever other requirements a scholarship may have. Doesn’t mean you will get the scholarship. Eligibility is just a way of creating a smaller sample of applicants. As oppose to allowing just anyone to apply. Besides most organizations don’t have time to sift through several thousand applications. So by creating specific criteria they can narrow the field of applicants down to hundreds instead.

Grants and Scholarships for Single Mothers Available from the Federal Government

These type of programs are almost always based on financial need. There were a few scholarships offered that were based primarily on achievements in math and sciences. Unfortunately, these have been discontinued. Due to government cut backs.

The Pell Grant and the Federal Education Supplemental Opportunity Grant programs have also been cutback. Congress recently made changes that will mean less money for college.

If you’re hoping to go back to school to get your degree, this should not stop you from going forward. The cutbacks doesn’t mean you can’t get a grant. The President has been urging single moms like you to seek out and take advantage of any and all grants and scholarships for single mothers.

The job market of the future is already here today. A high school diploma is no longer enough. A bachelor’s degree is the new high school diploma. So applying for the grants mentioned is absolutely necessary.

There are also grants and scholarships for single mothers offered by non profits and corporations. A good place to start, is by looking up women’s groups online. Many offer college money specifically for single moms, minority women and even women over 35.

If you’re going to get your degree in a career that is not traditionally held by women. Search online and you’ll find several organizations offering up grants and scholarships for single mothers and all women to help them out financially. They do this in order to help increase the presence of women in a particular field. For instance, mechanical and electrical engineering is an area that is male dominated. Yet there are organizations actively looking to help women financially who are interested in those areas.

Another important note is to pay attention to deadlines. Make sure you submit your application before the deadline. Also check to see if you can submit your application online. Or if you will be required to mail your application. If mailing, make sure you give yourself plenty of time ahead of the deadline. It would be a shame to mail an application that had a good chance of being approved for one of these grants and scholarships for single mothers. Only to find out you missed the deadline because your application didn’t reach the organization in time.

It would also be a good idea to find out if express mail or FedEx delivery is acceptable. At least this way you’ll be able to track your application from the time it leaves your hands until it reaches the scholarship or grant organization. The exception to doing this would be any federal grant program. Going through the changes of express mail is not necessary. You’ll apply through your school’s financial aid office anyway.

Grants and scholarships for single mothers are in even bigger demand now that just a year or so ago. With federal cutbacks, more single moms are discovering there are alternatives. But there’s only so much money to go around. If you really want to go back to school, start looking for the financial aid you need now. Wait too long and you will miss out.

Home Loans for Single Mothers – Lender Requirements

If you are looking for home loans for single mothers these, are the things that you should know. Lenders are looking for the following:

• Capability to put up the down payment – generally, the lender would require 20% of the loan at least as down payment. Anything below that will lessen your chances of getting the best mortgage package or even getting a loan at all.

• Debt-to-income ratio – simply the percentage of your income that is already tied up to paying your outstanding debts. When we say debts it include all the loans you are paying or supposed to be paying be it credit cards, salary loans, car loans, etc. In other words it’s everything you owe.

• Credit score – your credit score should not be lower than 620. Lenders use credit scoring to give them a gauge on whether you are a credit risk or not. Having the 620 mark will no longer qualify you to better credit packages.

• Employment records – They also look into your employment history and your current income. Lenders need to know if you have the means to pay off your debts.

Ordinary employees or workers already have difficulties in complying with these requirements. It will be much harder to get home loans for single mothers like you. Lenders look at single parents as greater credit risks because people like you are more vulnerable to financial difficulties. Anything that may happen to you or to your kids will greatly affect the availability of your income. Being the only one earning for the family, there is no fallback during the times you cannot work. The only way you can get a loan from them is by scoring very high in their qualification criteria. Meaning zero or near zero outstanding debt, high income level and savings of about 50% of the loan requirement as down payment. Otherwise there is no way you will qualify for their home loan.

Other Source of Home Loans for Single Mothers

Scholarships For Single Mothers – Looking For A Culinary Career And You Could Become The Next ”Top Chef!”

Scholarships for single mothers who want a career in the culinary arts, are not difficult to find at all. If you’ve been told you’ve got way with food, why not think about studying to become a chef? Or you could to start your own catering business. Or how about opening your own restaurant someday? There are so many culinary related careers you could consider.

Exciting huh?

There are dozens of reality based television shows featuring cooking competitions. Plus there are at least a dozen channels dedicated to nothing but food. So if cooking is your passion, enrolling in a culinary program with the help of any number of scholarships for single mothers is a great option to consider.

Get your pen and paper. You’re going to want to take notes.

Culinary Scholarships

Let’s start with the big kahuna of culinary scholarships for single mothers interested in getting culinary training. The James Beard Foundation Scholarship is definitely one of the most prestigious. James Beard was an American chef and celebrated author of more than twenty books. He is recognized for single highhandedly bringing American gourmet cuisine to forefront.

To date, this scholarship has awarded more than $4 million dollars to assist students with tuition and other fees associated with getting a culinary degree. They even offer tuition waiver scholarships. Most are awarded based on financial need and other criteria. Letters of recommendation and academic history are all taken into consideration by an appointed committee.

In 2012, applications are due no later than May 15. Winners are announced in August. About 70 scholarships will be awarded.

What’s Cooking In Your State?

You may not be aware of it, but in almost every state, the Restaurant Association offers culinary scholarships. Check with your state’s chapter regarding scholarships for single mothers.

Les Dames d’ Escoffier International

Scholarships for Single Mothers: Achieving a Better Education

Scholarships for single mothers have changed many lives and these scholarships will continue to do so as long as there are single mothers out there who care about the future of their children and want them to get the best things there are in this life. Life in today’s time is hard. Being a single mother without a good job to provide for your children could make you both physically and emotionally weary. It would be heartbreaking for a mother to watch her kids grow up in difficult and trying times. Without the stable flow of income from a stable job, making ends meet would be a skill of the highest order for a single mom.

You love your children and you are willing to do everything for them. Regrets will start to fill you up as your children grow up. You’ll ask yourself questions that you didn’t believe would matter when you were younger. Your thoughts would be filled with sentences and phrases that begin with “if only” – If only you’ve finished college, you’d be able to get a good job. If only you’d have gotten your degree, you’d be able to give your children a better life.

Scholarships for Single Mothers: Giving Hope of a Much Better Life

Grants for Single Mothers to Pay Bills – What can it do for you ?

Being a single mother is not easy and would often result to difficulties in paying the bills. Good thing there are now grants for single mothers to pay bills that can help in every single mother’s woes.

Parenting can be really hard. However, it is one of the most essential highlights of a person’s adulthood. Because of the natural instinct and desire of most women to become mothers and have children of their own, they will be willing to face the many challenges that come with it. One of the biggest challenges a single mother would face is keeping her financial sources stable to avoid problems both in the upbringing of her child and also in paying the bills. However, there times when sources of income would be unstable and single mothers would have difficulty in paying their bills.

What are Grants for Single Mothers to Pay Bills?

Education Grants for Single Mothers…Get your College Degree Now!

Thankfully the U.S. government recognizes that education grants for single mothers is extremely important, and has vowed to do everything within its power to get as many single moms in school as possible. If you’ve been thinking you can’t go back to school to get your degree because you’re a single mother, the following stories may just make you think twice. Education grants for single mothers have helped millions of women to realize their full potential by allowing them to get their degrees in spite of the odds. Here are just two of those millions who refused to allow their circumstances to decide their futures.

You may have been thinking there’s no way you can go to school at this point in your life. It’s not going to be a walk in the park by any means. You’re going to find yourself having to make time for study and still raise your children. If you’re working, it will add to the challenge but it’s not impossible. You’re a role model. If you can find a way to make it work for you, the government will take care of the financial part with several options for education grants for single mothers choose from.

Education Grants for Single Mothers – A Single Mom of Six Children Got Her Degree And So Can You!