A tuition-free college education is possible for some students, but it takes planning and the right combination of aid. Start with the basics: grants and scholarships do not need to be repaid, while loans do. Complete the FAFSA, the standard first step for federal aid, and search for scholarships through schools, employers, and community organizations.
Federal programs help specific groups. The TEACH Grant offers up to $4,000 a year to students preparing for teaching careers, but it requires four years of teaching in a high-need field at a low-income school within eight years of finishing the program. If that service is not completed, the grant converts to a loan. Federal work-study provides part-time jobs for students with financial need, and eligibility starts with the FAFSA.
Military service opens several doors. The five U.S. service academies provide tuition-free education in exchange for a service commitment after graduation. ROTC scholarships at civilian colleges offer aid in exchange for military service. Veterans can use the Post-9/11 GI Bill for education benefits.
Some employers pay for school. Federal tax law lets employers provide up to $5,250 per year in tax-free educational assistance. The Starbucks College Achievement Plan, run with Arizona State University, covers full tuition for eligible employees. Check what your employer offers before borrowing.
Tuition-free schools exist. Berea College charges no tuition and asks students to work on campus. The Curtis Institute of Music is tuition-free. Work colleges combine free or reduced tuition with a required campus work program. Several states also run free community college programs for qualifying residents; Tennessee and New York are well-known examples.
Apply early, since many aid programs have limited funds. Combine scholarships, grants, work-study, and employer help before turning to loans, and borrow only what you need.
Learn more about maximizing your financial aid, financial aid for online degrees, and financial aid application deadlines.
