How To Afford Going Back to College as a Single Mom | 6 Ways

If you're a single parent, going back to college may seem impossible. After all, higher education can cost thousands of dollars, which is often unattainable for those already struggling to make ends meet.

Fortunately, most college students don't have to pay all their school expenses out of pocket. There are many ways to pay for college as an adult - and many sources of financial assistance that single moms can take advantage of through their quest to finish their education.

Keep reading as we look at several ways you can pay for college as a single mom.

Paying for a College Education as a Single Mom

Single mothers can access public and private college funds through federal and state governments, school aid packages, private scholarships, and more. Let's take a closer look at the many options available.

Submit the FAFSA Online Form

All current and future college students are encouraged to fill out the Free Application for Federal Student Aid, or FAFSA. This form enables you to establish financial need and eligibility for an array of grants, student loans, work-study programs, and other types of aid.

The FAFSA has no income limits, and all U.S. citizens or eligible noncitizens who meet some basic requirements can apply. Not only does this form help you obtain government aid, like Federal Pell Grants or loans, but it can also help you qualify for many private and school-based forms of financial aid.

Understand Grant Programs and Aid Packages

When you complete the FAFSA, you are encouraged to list any colleges or community colleges where you've applied or been accepted. Once your application has been processed, you will receive financial aid packages from the government and each school listing the various types of aid for which you're eligible.

It's important to examine your financial aid packages closely and understand the types of aid you've been offered, including any terms for receiving that aid. If you are considering multiple schools, you can compare the different financial aid packages to determine which one offers the most generous financial support.

Learn more: Understanding Your FAFSA Package

Apply for Private Scholarship Programs

The FAFSA makes it possible to receive federal, state, and school aid, but even generous financial aid packages rarely cover all of a student's college expenses. As a single mom, you may have additional costs like childcare and living expenses to consider as well.

There are many scholarships for single moms available from nonprofit organizations and businesses. Many organizations provide private funding for general college students; however, many are specifically targeted at helping single parents reach their educational goals. Consider applying for scholarships like the Live Your Dream Award or the Patsy Takemoto Mink Foundation Scholarship to secure additional money to help you afford college.

Find Private Student Loans

You may receive some federal student loans by filling out the FAFSA, but it's possible that these don't fully cover your financial burden or that you've maxed out the amount you can borrow. If this is the case, private student loans may be an option.

Private loans often have higher interest rates and stricter repayment terms than federal loans, so it's important to shop around and ensure you're getting the best deals possible. You can find private student loans at banks, credit unions, lending agencies, and sometimes other private organizations or individuals.

Research Employer or Military Tuition Benefits

If you have a part-time or full-time job, you may be able to get free money for your education from your employer. Many companies offer tuition assistance or reimbursement programs that pay for some or all of their employees' college expenses.

Additionally, if you've served in the military, you may be eligible for tuition benefits through the GI Bill or other resources. Those with a military background often qualify for a range of scholarships, grants, tuition discounts, and more through the VA, their school, or private organizations.

Try Crowdfunding Opportunities

It's possible that, after you've exhausted other forms of financial aid, you find yourself still needing additional money to help you pay for school. In this case, online crowdfunding platforms like GoFundMe and Kickstarter may provide an unconventional but effective option.

These platforms enable you to share your story and ask for donations toward a cause. You can easily spread the word with friends, family, acquaintances, and more by sharing your campaign on social media and asking those in your circle to do the same. Through crowdfunding, you may find that people will be incredibly generous and willing to support your educational journey.

FAQs About Enrollment and Assistance Programs for Single Mothers

If you still have questions about paying for college as a single mom, keep reading. Below, we'll provide answers to some frequently asked questions you may be wondering about.

How Do You Go Back to College as a Single Mom?

Returning to college as a single mom takes determination, time management, and organizational skills, but it is not impossible. As discussed in this article, many resources are available to help single moms pay for the costs associated with completing their degree or certificate program.

Many schools offer flexible online or evening classes to help busy nontraditional students, like single moms, get their education in a way that works for them.

What Scholarships Are Available for Single Mothers Returning to College?

Single moms have access to many scholarships to help them pay for school. Many of these are available to students in select locations or who meet specific criteria. Those offered on a national level include the Live Your Dream Award, the Soenga Scholars Fund, and the ANSWER Scholarship Endowment.

How Does a Single Parent Pay for College?

Single parents can pay for college in many ways. By filling out the FAFSA, they can receive federal and state aid like grants, loans, and work-study programs. Private scholarships, grants, and loans are also available.

Those with full-time jobs or veterans may benefit from employer or military tuition benefits, which can cover many college-related expenses. Finally, crowdfunding platforms can help single parents raise some extra money to help them out as they pursue their educational goals.

Explore Online College Degrees with Financial Aid

If you're ready to earn your college degree or certificate, explore the schools featured here on Learn.org. Consider reaching out to the admissions department at any of the colleges or universities listed to learn more about the programs they offer and discover which one is right for you.