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Unlocking Financial Aid and Scholarships for Online College Students: Your Path to Affordable Education

Are you considering pursuing an online degree but concerned about the financial aspect? You’re not alone. Many aspiring students worry about how to pay for their education. The good news is that financial aid and scholarships for online students are readily available, making your dreams of earning a degree more attainable than ever.

In this comprehensive guide, we’ll explore various financial aid options, scholarship opportunities, and essential tips for securing financial support for your online education journey.

Financial Aid for Online Students

Online students qualify for much of the same financial aid as on-campus learners. Financial aid can significantly ease the burden of tuition and other educational expenses. Here’s what you need to know:

Completing the FAFSA

The first step in determining your eligibility for financial aid is to complete the Free Application for Federal Student Aid (FAFSA). Regardless of whether you’re an online or on-campus student, the FAFSA is crucial. It helps determine your eligibility for various federal aid programs, including grants and loans.

Types of Financial Aid

Financial aid comes in several forms, and it’s essential to understand your options:

  1. Loans: While loans are an option, they should generally be considered a last resort. Unlike scholarships and grants, loans must be repaid. The U.S. Department of Education offers various federal student loan programs, including subsidized, unsubsidized, and PLUS loans.
  2. Scholarships: Scholarships are a fantastic way to fund your education because they don’t require repayment. Scholarships can be awarded based on need, merit, or other non-need-based criteria. Many organizations offer scholarships specifically for online students.
  3. Grants: Grants are primarily need-based financial awards, although some may be merit-based. Like scholarships, grants do not require repayment. The Federal Pell Grant, offered through the FAFSA, is one of the largest federal grant programs.
  4. Fellowships: Fellowships are often awarded to graduate students pursuing specialized postgraduate studies. These merit-based awards typically require recipients to contribute to their profession after graduation.
  5. Work-Study: The Federal Work-Study Program enables students to work part-time to earn money for their education. These jobs are often related to the student’s field of study and can be on or off-campus.

Unique Challenges Facing Online Students

Online education offers flexibility and convenience, but it also comes with unique challenges:

The Hidden Costs of Online Degrees

While online degrees can save you money on living expenses, they may come with hidden costs. For example, some online programs may charge out-of-state students higher tuition fees. Additionally, occasional campus visits can incur travel expenses, particularly if you don’t live nearby.

Other hidden costs may include fees for graduation, assessment, and essential technology, such as a reliable Wi-Fi connection and a laptop.

Nontraditional Students: Balancing Work and School

Nontraditional students, including those working full-time and managing family responsibilities, face unique challenges when pursuing higher education. The time commitment required for success can be particularly demanding for distance learners. Balancing coursework, homework, and studying with work and family responsibilities can be challenging.

Financial constraints are another obstacle for nontraditional students. Many do not have access to the same financial resources or family support as traditional students, making scholarships and grants even more critical.

Why Is Accreditation Important?

Accreditation is essential when choosing an online college or university. Accredited institutions meet specific academic standards related to course quality, student support services, and outcomes. Employers often favor graduates of accredited programs, and certain professions require accreditation for licensure.

Both institutional and programmatic accreditation are available, and the U.S. Department of Education maintains a database of recognized accrediting organizations. Always verify a school’s accreditation status before enrolling in an online program.

Where to Find Scholarships

Finding scholarships for online students can be a straightforward process if you know where to look. Here are some suggestions:

Your School

Start your search with your school’s financial aid office or website. Many schools offer institutional scholarships and grants, some of which are specifically designated for online students.

Online Databases

Numerous online databases list scholarships based on various criteria, such as demographics, career fields, or academic majors. Websites like Fastweb,, and College Board’s Scholarship Search can help you discover relevant opportunities.

Community Groups

Community organizations like the Boys & Girls Club of America, 4-H, and local chapters of national organizations often provide scholarships to their members or their families. Reach out to your local community organizations for information on available scholarships.


Several large corporations maintain foundations dedicated to higher education sponsorship and advocacy. These foundations, including Coca-Cola, the Bill & Melinda Gates Foundation, and the Ford Motor Co., often offer substantial scholarships directly through their websites.

Local Sponsors

Local businesses and organizations may sponsor students pursuing education in specific fields. For example, law firms often provide scholarships to law students and aspiring paralegals in their area. Churches may also offer scholarships to seminary or ministry students.

How to Apply for Scholarships

Applying for scholarships can be a daunting process, but an organized approach can make it more manageable. Here are some tips to help you through the application process:

Plan Ahead

Start looking for scholarships early, and assume that each application will take longer than expected. Create a mock deadline ahead of the actual due date to allow for extra time.

Stay Organized

Maintain a checklist of scholarship deadlines and required materials to avoid duplicating work and missing opportunities. Organization is key to maximizing your chances of success.

Research Thoroughly

Thoroughly research each scholarship opportunity as you discover them. Understand the eligibility criteria and terms of each award to ensure you apply for the ones that align with your qualifications.

Follow Directions Precisely

Pay close attention to application instructions and follow them precisely. Disqualifications can occur due to simple mistakes or missing materials.

Perfect Your Essay

For scholarships that require essays, take your time crafting thoughtful responses tailored to each opportunity. Proofread multiple times for typos and grammatical errors to present your best possible application.

Scholarships for Online College Students

Now, let’s explore some scholarships specifically available to online students: Distance Learning Scholarship

  • Eligibility: Enrolled in an accredited online degree or certificate program, possess a minimum 3.0 GPA, and demonstrate financial need.
  • Award Amount: $1,000
  • Deadline: October or March Undergraduate Distance Learning Degrees Academic Scholarship

  • Eligibility: Enrolled in an accredited distance learning program, with plans to continue enrollment through the following year and at least 30 semester or 45 quarter credits yet to be completed.
  • Award Amount: $500
  • Deadline: May

Unigo Education Matters Scholarship

  • Eligibility: Age 14 or older, legal U.S. resident, residing in one of the 50 U.S. states or the District of Columbia.
  • Award Amount: $5,000
  • Deadline: November

Unigo $10K Scholarship

  • Eligibility: Age 14 or older, U.S. citizenship, residing in one of the 50 U.S. states or the District of Columbia.
  • Award Amount: $10,000
  • Deadline: December Scholarship

  • Eligibility: Enrolled in an undergraduate college program.
  • Award Amount: $4,000 (top prize) or $1,000 (one award each for second and third place)
  • Deadline: December College Scholarship

  • Eligibility: At least 16 years old, legal U.S. residents entering or enrolled in college with a minimum 3.0 GPA. Undergraduate and graduate students are eligible.
  • Award Amount: $1,000
  • Deadline: December

Unigo’s Top 10 List Scholarship

  • Eligibility: Legal U.S. citizens at least 14 years old, residing in one of the 50 U.S. states or the District of Columbia.
  • Award Amount: $1,500
  • Deadline: December

The Christian Connector Christian College Scholarship

  • Eligibility: Enrolling for the first time in a full-time Christian college or Bible college program.
  • Award Amount: $2,500
  • Deadline: May

Columbia College eScholarship

  • Eligibility: Hold a GPA of at least 3.0 and be seeking an undergraduate degree through Columbia College. Completed at least 21 credits at Columbia College, including at least nine online credits within the past academic year.
  • Award Amount: Varies
  • Deadline: Varies

The University of Alabama College of Continuing Studies Scholarships

  • Eligibility: Enrolled in an undergraduate or graduate distance education program at the University of Alabama. Individual scholarship criteria vary.
  • Award Amount: Varies
  • Deadline: June

Western Governors University Scholarships

  • Eligibility: Enrolled in an undergraduate or graduate program at Western Governors University. Individual scholarship criteria vary.
  • Award Amount: Varies
  • Deadline: Up to 90 days after starting an academic program

Penn State World Campus Scholarships

  • Eligibility: Enrolled in a Penn State undergraduate program with a minimum 2.0 GPA. Must demonstrate financial need.
  • Award Amount: Varies
  • Deadline: Varies

University of Wisconsin-Platteville Scholarships

  • Eligibility: Full-time first-year applicants are automatically considered for a merit scholarship. Students who submit a FAFSA and are Pell Grant-eligible may also qualify for the nonresident scholarship.
  • Award Amount: Varies
  • Deadline: Varies

Kansas State Global Campus Scholarships

  • Eligibility: Meet the eligibility requirements of the general K-State Global Campus Scholarship and enroll in a minimum of three credits per term.
  • Award Amount: $500-$2,000
  • Deadline: June (fall), November (spring), April (summer)

University of Michigan Flint — Ralph M. and Emmalynn E. Freeman Distance Learning Scholarship

  • Eligibility: Minimum 3.5 GPA, completed at least 25 credits. Award applicable only to undergraduate online coursework.
  • Award Amount: Varies
  • Deadline: Varies

SUNY Empire State College Foundation — Morton Bahr Distance Learning Scholarship

  • Eligibility: Current or prospective students in an Empire State College undergraduate program. Award applicable to 1-2 courses, or eight credits maximum, per term.
  • Award Amount: Varies
  • Deadline: Varies

SUNY Potsdam — Thomas L. and Jane D. Russell Distance Education Scholarship

  • Eligibility: Completed at least one credit-bearing, distance-based course and registered for a second at Potsdam or another institution.
  • Award Amount: $1,000
  • Deadline: Varies

Scholarships for Nontraditional Online Students

Nontraditional online students face unique challenges and often require specialized financial support. Here are scholarships designed to assist nontraditional learners:

COVID-19 Impact Scholarship

  • Eligibility: Offered by the National Center for Learning Disabilities to students who experienced educational disruptions due to COVID-19. Eligible applicants include those who suffered changes in enrollment, financial aid, credit load, or internship opportunities.
  • Award Amount: $1,500
  • Deadline: June

Fully Bloomed Scholarship

  • Eligibility: For mothers pursuing postsecondary education. Requires a high school diploma and a household income below $45,000 per year.
  • Award Amount: $500
  • Deadline: May

Return2College Scholarship

  • Eligibility: Must be at least 17 years old, U.S. citizens, and current or prospective full-time or part-time students in a college program within 12 months of receiving the award. Nontraditional students are encouraged to apply.
  • Award Amount: $1,000
  • Deadline: April

Association for Nontraditional Students in Higher Education Scholarship

  • Eligibility: Must be at least 23 years old and meet one of ANTSHE’s eligibility criteria, such as having single-parent, low-income, or minority student status.
  • Award Amount: Varies
  • Deadline: Varies

Imagine America Foundation Adult Skills Education Program

  • Eligibility: U.S. citizens at least 19 years old planning to enroll in a college participating in the Imagine America scholarship program. Previous recipients are not eligible.
  • Award Amount: $1,000
  • Deadline: December

Colwell Law Group Single Parent Scholarship

  • Eligibility: Single parents enrolled in or planning to enroll in an undergraduate, graduate, or law program in the U.S. Requires a GPA of at least 3.0.
  • Award Amount: $1,000
  • Deadline: May

Grants for Online Students

Grants are a form of financial aid that, unlike loans, do not require repayment. They are often based on financial need and can significantly help with education costs. Here are some grants that online students may be eligible for:

Federal Supplemental Educational Opportunity Grant (FSEOG)

  • Eligibility: Complete the FAFSA and demonstrate financial need. The award is applied directly to undergraduate study at a participating college or university.
  • Award Amount: $100-$4,000
  • Deadline: Varies

Federal Pell Grant

  • Eligibility: Complete the FAFSA and demonstrate financial need. Most recipients are undergraduates.
  • Award Amount: Varies each year; 2022-2023 maximum is $6,495
  • Deadline: June

Iraq and Afghanistan Service Grant

  • Eligibility: Must have lost a parent or guardian due to military service in Iraq or Afghanistan after 9/11. At the time of the relative’s death, the applicant must have been younger than 24 or enrolled part-time in college. Cannot qualify for a Pell Grant based on expected family contribution but must meet other Pell Grant requirements.
  • Award Amount: Equal to the Pell Grant maximum each year
  • Deadline: June

PEO Program for Continuing Education

  • Eligibility: Female U.S. or Canadian citizens residing in the U.S. or Canada for their entire certificate or degree program. Must have spent at least 24 months as a non-student adult. Recommended by a PEO chapter and within 18 months of completing their education.
  • Award Amount: Up to $3,000
  • Deadline: At least eight weeks before the term for which the grant would be used

Teacher Education Assistance for College and Higher Education (TEACH) Grant

  • Eligibility: Submit the FAFSA and qualify for basic federal financial aid. Enrolled in a TEACH Grant-eligible bachelor’s, post-baccalaureate, or graduate program. Must undergo TEACH Grant counseling and sign a TEACH Grant Agreement to Serve.
  • Award Amount: Up to $4,000
  • Deadline: October

Further Resources for Online College Students

In addition to scholarships and grants, there are valuable resources and websites that can help online college students navigate the financial aspects of their education:

  • The website for the office of Federal Student Aid (under the ED) offers a variety of resources, including webinars on completing the FAFSA and tools for estimating aid eligibility.

  • Sponsored by the U.S. Department of Labor, features a searchable database of scholarships for degrees, vocational training, and professional development programs.

  • The Lawyers’ Committee for Civil Rights offers career and advocacy enrichment opportunities for first-generation college students pursuing social justice initiatives.

  • This searchable database contains more than 23,000 scholarships and grant opportunities for college students. Users do not need an account to access the database.

  • This website helps prepare high school seniors to be the first in their families to attend college. Resources include planning checklists and links to funding opportunities.

  • This organization boasts one of the nation’s longest-running and most lucrative scholarship-matching programs. Students can browse scholarships, grants, and tuition assistance programs.

  • explores popular 529 college savings plans, including how they can benefit students and how they might impact overall financial aid eligibility.

  • This website provides an online forum for first-generation college students to share ideas about applying for, enrolling in, and funding their college experience.

Frequently Asked Questions About Financial Aid for Online College Students

Can I get a student loan for online courses?

Yes, students can get a loan for online courses. Students enrolled in online college degree programs are eligible for financial aid. Students can apply for federal student loans or research alternative sources of student loans.

Weigh your options before agreeing to take on a student loan. This type of financial aid often comes with a long commitment. Research financial aid alternatives or speak with a financial advisor about student loan options.

How can I get money for college without student loans?

Students have many options for financial aid besides student loans — scholarships, grants, or tuition assistance from the university. Many financial aid options require students to fill out an application and meet certain academic standards.

Begin by submitting the FAFSA application to determine how much financial aid you can receive from the federal government and the university. Look into scholarship opportunities provided by the university and independent organizations.

Does the FAFSA cover online colleges?

Most accredited online programs are eligible for federal aid, meaning their students can receive federal support. Students should research their school’s accreditation status. Also, they can speak with an advisor to determine if their online program is eligible for aid.

Submit your FAFSA by the end of June. The FAFSA application requires detailed financial information, so allow ample time to complete the form.

Will online classes be cheaper?

Many online degree programs do offer cheaper tuition than in-person programs. Some online programs even offer in-state tuition to out-of-state students. Students who attend online programs also do not need to cover other on-campus expenses such as dorm-related housing costs and meal plans.

Students should research the relative cost of programs before choosing where to apply. In-state tuition for an in-person program may end up costing less than an out-of-state online program. The cost of tuition may also differ depending on the degree program itself.

What is the cheapest online college?

Some of the most affordable online colleges include the University of Florida-Online and Golden Gate University-San Francisco. These schools offer online programs to students across the country. Tuition prices may vary depending on the degree program and in-state vs. out-of-state residency.

Students can always mitigate the cost of tuition with financial aid and scholarship opportunities. Reach out to your prospective school’s admissions department to find out what financial aid opportunities are available.