How to go to college as a broke adult?

Asked by: Rafaela Lueilwitz PhD  |  Last update: November 15, 2025
Score: 4.2/5 (27 votes)

Grants, work-study funds, loans, and scholarships help make college or career school affordable. Financial aid can come from federal, state, school, and private sources to help you pay for college or career school. Learn more about the different types of financial aid.

How to go to college as an adult with no money?

Take a look at these four ways you can afford college as a working adult.
  1. Make the most of your college credits. ...
  2. Take advantage of employer support. ...
  3. Seek out scholarships and grants. ...
  4. Utilize federal programs.

How do I go to college if I'm broke?

  • Fill out the FAFSA forms and then attend a local community college using the Federal Pell grant to pay for tuition, fees, books and supplies
  • Or, get admitted to a NCAA D-1 college on a full student-athlete scholarship to play certain sports

How to go back to school as a broke adult?

7 Ways You Can Afford to Go Back to School
  1. Fill out the Free Application for Federal Financial Aid (FAFSA). ...
  2. Take advantage of tax breaks. ...
  3. Open a 529 college-savings plan. ...
  4. Look for nontraditional scholarships. ...
  5. Call your financial aid office. ...
  6. Take a free or low-cost course online. ...
  7. Take an in-person college course.

Is it harder to get into college as an adult?

Yes, it's slightly more difficult for older applicants to get into top colleges than younger ones, but not for reasons you might think (age discrimination). The reason stems from gradeflation and aptitude test difficulty: * GRADEFLATION.

Am I Too Old To Go Back To School?

15 related questions found

Is it worth going to college at 40?

Going back to school to attain your degree in your 40s has the potential to increase your salary and help you find career fulfillment. Rather than feel stuck in your current job, take the steps to better yourself and earn a degree that will qualify you for careers that align with your calling.

How to pay for college as an adult?

How Can an Older Person Afford College? For most people, a mix of loans and grants will be needed to pay tuition. In addition, many employers offer tuition reimbursement, scholarships, or repayment assistance for student loans.

Can you get FAFSA if you go back to school?

There are no age restrictions on federal aid — an adult student completes the same FAFSA as a high school senior. And even if you don't qualify for grants, you should still fill out the FAFSA to access federal student loans.

How to pay bills and go to college?

Financial Aid for Adult Students

There are grants, loans and even scholarships available to help adults pay for college. The FAFSA application is like a key that unlocks this financial aid. Filling it out may help you find federal and state grants, loans, and even scholarships for going back to school.

Is it worth going back to college as an adult?

Whether college is a worthwhile investment depends on your career goals, plans, and interests. For many people, going back to school as an adult is more than worth it because it offers personal enrichment, opens professional doors, and allows you to explore your passions.

Can I start college with no money?

If you can't afford to pay for college, there are many options available if you want to attend college for free. Consider applying for scholarships and grants to cover the cost of tuition. You may be able to find future employers who will pay for your college through military programs or teaching programs, for example.

How to live on campus for free?

Sign up as an RA.

Most colleges let students have free room and board while they are serving in this capacity. The RA's help with dorm questions, help resolve conflicts between roommates, and often schedule social time for the residents of the dorms to get to know one another.

How to start college as an adult?

How to Go Back to School as an Adult: Thriving in College at Any...
  1. Identify Your Goals and Reasons for Going Back to School. ...
  2. Determine the Type of Degree You Want. ...
  3. Find a School That Fits Your Needs. ...
  4. Research Financial Aid Options. ...
  5. Gather Your Application Materials. ...
  6. Decide When to Apply. ...
  7. Register for Classes.

Can adults get FAFSA?

Is there an age limit for receiving federal student aid? No, there's no age limit. Almost everyone is eligible for some type of federal student aid. The adult student still needs to complete the FAFSA form, and make sure not to miss any deadlines, just like any other student.

How to afford college when you're broke?

So, if you're feeling anxious about the best ways to pay for college without student loans, let's look at the options.
  1. Pay cash for your degree. ...
  2. Apply for aid. ...
  3. Choose an affordable school. ...
  4. Go to community college first. ...
  5. Consider directional schools. ...
  6. Explore trade schools. ...
  7. Apply for scholarships. ...
  8. Get grants.

Are there grants for adults returning to college?

Adult students can access the same federal grants, loans, and work-study programs as traditional students. Scholarships and grants significantly reduce the costs of returning to school, lowering overall student loan debt.

How do you pay for college if you have nothing saved?

Some options to help with paying for college include applying for scholarships and grants, looking into work-study options, cutting costs and applying for loans. You can still look into saving for future education with 529 plans, which allow contributions through investments.

What's the cheapest way to pay for college?

For most student borrowers, federal Direct loans are the better option. They almost always cost less and are easier to repay. Here are some advantages of federal Direct loans: Access: Most students are eligible for federal student loans.

How do I pay rent and go to college?

These tips will help.
  1. Rent with roommates. Okay—Captain Obvious here, we know. ...
  2. Explore alternative living situations. ...
  3. Make room in your budget. ...
  4. Look for work exchange opportunities. ...
  5. Take on a side gig. ...
  6. Use student loans to pay for rent.

What disqualifies you from FAFSA?

For example, if your citizenship status changed because your visa expired or it was revoked, then you would be ineligible. Other reasons for financial aid disqualification include: Not maintaining satisfactory progress at your college or degree program. Not filling out the FAFSA each year you are enrolled in school.

What is the income limit for FAFSA?

There's no official income cutoff to qualify for federal student aid. Yes, your family's annual income influences your aid package, but other factors, such as family size and year in school, also help determine your level of aid. Ultimately, submitting a FAFSA is relatively easy and 100% free.

How to go to college for free as an adult?

How to Go to College for Free
  1. Qualify for Scholarships. ...
  2. Apply for Grants. ...
  3. Consider Employer Tuition Assistance. ...
  4. Work at the School You Attend. ...
  5. Consider a Work College. ...
  6. Find a College With Free Tuition. ...
  7. See if You Qualify for a Tuition Waiver. ...
  8. Crowdfund Your Education.

How to go to college as a poor adult?

Grants, work-study funds, loans, and scholarships help make college or career school affordable. Financial aid can come from federal, state, school, and private sources to help you pay for college or career school. Learn more about the different types of financial aid.

What income qualifies you for pell grant?

The Pell Grant is indeed a valuable financial aid resource for many college students. While there isn't a strict maximum family income limit for Pell Grant eligibility, the grant is typically awarded to students with financial need, particularly those with an annual family income of $60,000 or below.

How do you realistically pay for college?

Visit their website to take the next steps.
  1. Fill out and submit the FAFSA. ...
  2. Search for scholarships. ...
  3. Choose an affordable school. ...
  4. Use grants if you qualify. ...
  5. Get a work-study job. ...
  6. Work for an employer that pays for college. ...
  7. Take out federal loans if you have to. ...
  8. Borrow private loans as a last resort.