Educational Grants for Single Mothers

The plight of the single mother is one that should never be taken for granted. Single moms provide food, clothing, shelter, and tons of other life necessities to their families. Sadly, as hard as they work to care for others, they sometimes forget about themselves. This applies not only to their personal care but to their own personal and professional development, especially in terms of education.

The good news is that there are plenty of grants available for single mothers, for both young mothers who haven’t started college yet and for older mothers who put their educations on hold and now want to go back to school.

How to Look for Educational Grants for Single Mothers

Start by searching for the different types of grants afforded to single mothers. While the process may seem a bit tedious and overwhelming, it isn’t a process you should rush through. Take some time to sit down and think about your unique qualities. While government grants for education are readily available, there are other types of grants to think about as well. Some are designed specifically for single mothers and others are designed for women with other special characteristics, such as the wife of a deceased military veteran, members of a specific ethnic group, or a woman interested in entering a specific career field. Make sure you consider both public and private sources of funding as you begin your search.

Where to Look for Grants for Single Moms

Start your search with the easiest grants to find, the ones offered publicly, usually by the federal or state government. Here are some you should look into right away:

  • Pell Grants – Pell grants are offered through the federal government and are based on financial need. Many single mothers find it difficult to handle daily expenses, let alone the cost of college classes. The most you can get from this grant is $5,500. You need to fill out the FAFSA form found on www.fafsa.ed.gov before you can apply.
  • Supplemental Educational Opportunity Grant – This grant is specifically designed for those who have great financial need and will pay as little as $100 or as much as $4,000 towards the cost of your education.
  • AARP – Even though you have to be over 50 to join the organization, if you are over the age of 40, you may be eligible for financial assistance from AARP, the American Association of Retired Persons.
  • The Jeanette Rankin Foundation– This foundation is a non-profit that awards educational grants and scholarships to low-income women at least 35 years of age.
  • Your Employer – Talk to your human resource department to find out if there are any educational assistance programs. Some companies offer grants and scholarships while others offer tuition assistance programs, reimbursing your out-of-pocket costs if you maintain a good grade point average. The federal government gives employers the ability to offer you up to $5,250 per year in educational assistance (though many don’t give this much).
  • College Financial Aid Office – Make sure you visit your college financial aid office as well. Many schools have grants available for students who have already received acceptance letters and while they may not always pay for classes they may help you with the cost of books and other necessary materials.

Grants and scholarships for single mothers do exist but you won’t find them unless you look for them – and you will have to think out of the box. Other examples of great scholarships include the Afghan Service Grant (for child survivors of veterans who have parents who died after 9/11/01); the Teacher Education Assistance for College and Higher Education grant; the Mathematics Access to Retain Talent Grant; and the Association for Women in Science. Even major corporations offer grants to college students entering their fields of interest. You have to make inquiries and know where to look.

As a single mother, your goal will be to finish your education so that you can get a better job and support your family. While they may not be specific to your unique living situation, grants for single mothers DO exist. Do your homework and you’ll be well on your way to financing your education without taking food off the table at home!

Tips For Single Moms Save Money On Health Insurance

One of the most expensive purchases a family can make is their health insurance, but it is an expense that is necessary for families and individuals. If you have ever fallen ill or needed to have surgery then you know how gut wrenching it can be to see that huge bill from the doctor’s office. This can be financially damaging without some type of insurance coverage. Below are some tips for single moms raising a family on their own to save on their health insurance coverage.

The lowest price is not always the best price. Remember the saying “you get what you paid for”? This applies to your health insurance premium, just because you are paying the lowest premium you make up the cost in the amount you have to pay out of pocket.

Take a look at all your options. Understanding insurance policies is not easy task so having a basis of comparison between two or more policies is highly recommended. The items that you will need to compare include:

  • Amount your pay out-of-pocket
  • Limits
  • What the insurance covers
  • Amount for the premium

A good way to cut down on your insurance cost would be to choose a plan with a specific network of doctors, this is also known as a HMO (Health Maintenance Organization), however, if you or your child has a special need that is not covered by the doctors within the network than it will cost you more for an out of network plan.

Lower your premium by paying a little more for your deductible. While this may not sound like the best option available you can sign up to use a savings account specifically geared to those wanting to save money to pay their deductible. This acts as an extra insurance policy so that if you have a major health issue you and your family will be covered. Always plan for the amount you may have to pay out-of-pocket.

While you are using some or all of the above tips to lower your insurance, DO NOT take away from the max amount you will have to payout. If you or a kid(s) are severely injured or become struck by a major illness the costs can be drastic.

Unfortunately as a parent and individual you are unable to predict what is going to happen from one day to the next so it is best to be prepared. Health insurance coverage is one expense that should not be overlooked.

4 Tips To Getting A Scholarship For Single Moms

The statistics are staggering, with millions of single moms throughout the U.S., many of them are young mothers that have dropped out of school or are giving up their dreams of having a college education in order to go to work and support their families. All is not loss, there are benefits available for moms that makes it possible for to get their education. Below are tips on how you can get a scholarship for returning to school.

1. Know Where to Look

If you dropped out of high school, try speaking with a counselor or with a counselor at the financial aid office at your nearest community college. If you plan on applying for federal scholarships single moms, you should contact the department of higher education in your state to find out if they have any specific guidelines and where to find an application. There are different types of scholarships to apply for, some scholarships will pay for all of the expenses you may incur for obtaining your education. This includes books, tuition and even room and board near closer to the college to plan on attending. If you plan on applying for a grant then some may have special conditions that you must follow once you have received your financial aid for school. Some of these conditions may include the number of classes you take or the college you attend.

2. Government Grants

There are various government run grant agencies that offer over 800 programs and education grants is just one of many that are directed at single moms. Contact your local welfare office for the contact information for your area. In order to apply you will need to contact FAFSA (free application for Federal Student Aid) online or via the phone to submit an application at which time your financial situation will be assessed and your eligibility determined.

3. Privately Owned Organizations

The benefit to applying with these types of organization is that many offer you a larger variety of options for you to apply for a scholarship. These organizations can be found easily through online research or throughout your local community organizations that assist single moms.

4. Speak with your current employer

Larger companies often offer their single mother employee scholarships. Contact your HR department and find out if they offer any such benefits for single moms and find out if you are eligible and what is needed to be apply.

3 Tips To Single Mom Time Management

Being a single mom and being able to handle your time wisely can be difficult. Single moms must have the ability to multi-task in order to keep their household running smoothly. The first thing you need to remember is that you are only one person and there are only 24 hours a day for work to be done. Below are three tips designed to help you learn how to manage your time on a daily basis and to better balance work, school and your mommy duties

Time Management Tip #1

Your work schedule should be designed to help you maximize your time. This is especially important during the months where you have to plan for birthdays, holidays and school events for your child. Sticking with your schedule is just as important for you as it is for your children. The only time you should stray from your schedule is in the case of emergencies and/or sick days.

Time Management Tip #2

One of the difficulties starts within the home. If you get home from a busy day at work doing the laundry, taking out the trash and other housework may be the farthest thing from your mind. This is where your children come in, delegate some of the household chores to your children. Granted if you have smaller children this may not necessarily work as well as one may hope.. This will help you with keeping the house running smoothly and help you kids have a better understanding of responsibilities.

Time Management Tip #3

If you have smaller children then you may wish to look into getting a babysitter on the days you know you will be working late or a daycare that offers after hours services (this can be costly). If you would rather keep an eye on the kids then you may wish to opt for working from home or finding a job that offers a daycare facility. This will keep your kids nearby and still allow you to manage your time at work.

Lastly, know what your priorities are. When setting up your schedule place the more important items at the top of your list. This is so if something unexpected comes up or you find yourself bogged down with too much work then take a look at your list and start from the least important item on your list and move it to a later date.

4 Tips To Get Financial Aid for Single Moms

As many single moms will tell you, it is not easy being a single mom and having to care for children and be the sole provider for their every need. You may find yourself working more than one job and you may find yourself in the predicament where your finances grow as your children grow only to leave you financially drained and with limited resources left there are various types of assistance that single moms are able to apply for which include:

  • Loans
  • Grants
  • Scholarships

If you are beginning to find that supporting your family is getting increasingly difficult applying for one of the assistance methods mentioned above may be your best option. Below are some simple to tips that will help you when applying for aid:

1) Your local government offices offer you the ability to speak with someone face to face but the problem with the government offices is it is typically a first time, first serve basis and depending on the need in your area you may have a hard time getting in. So another option is to seek out smaller private organizations aimed at helping single moms. Your local church or even a local group of other single moms in your areas may be able to provide you with a list of referrals in your area.

2) Once you have found a group or an organization in your area it would be a good idea to meet with the program director face to face and discuss with them their program and the type of help they are able to offer you. Tell them about your situation and find out if you are able to qualify for one of their financial assistance programs.

3) Depending on organization you have applied to you may be asked to submit information about your financial situation. So it is best to be honest with the questions that they ask you so they can give your application the proper assessment.

4) Be patient. Once you have submitted your application you will need to give them some time for them to process your application. You may get a follow-up phone call from the organization or program manager asking for additional information or asking for you to provide additional documentation (birth certificates, bank information, copy of your bills, etc). Even though it may take time to hear back still contact them to find out your application status.

4 HUD Tips For Single Moms

If you are tired of living in a cramped apartment with your family and are ready for home ownership but need assistance with finding affordable housing one organization that may be able to offer help is the HUD (Housing and Urban Development) program.

1. First Time Home Buyer

The First time home buyers’ assistance program is designed specifically for those that have never owned a home and are currently living in an apartment and are ready for home ownership. They can often assist with a home of your choosing that meets their requirements or you can choose from a HUD home. These homes are already approved for their program and you can search through their online database of available homes in your area. The first time home buyer programs offers single moms and other looking to purchase a home a variety of valuable resources in order for you to apply for the program which may include taking a first time homebuyer class that will cover a number of topics from home maintenance, judging how much home you can afford to saving up in the case of an emergency.

2. Home Repair Help

If you have the home either through a divorce settlement or after you have already purchased a home on your own, you know how important it is to maintain your home and make any necessary repairs to your home. While you may be able to cover small repairs if you have a large repair (i.e. Roof damage) then HUD offers a home repair program to help single moms repair their home. They provide assistance through providing a low interest rate loan.

3. How to Find Home Assistance Programs

If you do not have a PC in the home then you can use the program at your local library. If you are unable to find someone to watch your kids while you are at the library some libraries offer programs designed for kids to help keep them busy while you are looking online for assistance programs. The internet is a good resource to help you find agencies in your area with information on applying. You can also contact HUD directly via phone (202) 708-1112.

4. Other Resources Offered Though HUD

If you have yet to finish high school or attend college then HUD has programs that will offer educational assistance and career training to help you get started on the right track.

Start Here – What You Need To Know

An unfortunate fact of life as a single mom is that we tend to be on a very tight budget. Because of that, if even one small financial thing changes, everything else can go quickly, too. It’s not hard to look around and see many two-income households that are losing their homes to foreclosure, so it seems very possible that it could happen to any one of us at any time. Even something like children’s father being unable to make his child support payments, or not getting the overtime you’ve been counting on can make it hard to make your scheduled payments. If that happens, it may be time to see if you can refinance your home, for lower payments, or see what other options are available to you.money grants for single mothers(Note that personal loans, bad credit loans and such we cannot help you with. If you have foreclosure questions you need to find someone local to help you. Other home loans, mortgage and such for single mothers we cannot help with either. On our site you will find single mom grants, grants for college, scholarship information and you will also find great amount of details on getting free stuff)


Therefore, it is SO important to know that there are many programs that exist to help save your home, if you are close to that position. Whether you are only a few days late on a payment, or you are several months behind, there are several governmental programs that can help you. In addition to the federal programs, you will also see that some counties or states offer assistance to you. There are very few situations where it is more appropriate to allow your home to be foreclosed on. That could damage your credit for many years in the future, and you could have trouble renting any homes for the next seven years.

However, you should be aware that there are scammers out there. They might call you and tell you they can negotiate with your bank to lower your payments, or that they can restart your mortgage from the point it was at prior to your late payments. Although a few of these, on occasion, might be legitimate, you should not feel pressured to make an immediate payment. Instead, you should be allowed to take the time to investigate the company that is calling you, by contacting your bank to see if they work with the callers. If they tell you that their “help” is only available if you make an immediate payment over the phone to you, they are probably not the real deal. Thousands of people have wasted millions of dollars on these programs, and still lost their homes. Some people have been told that they cannot be helped within moments of paying the fees these companies to charge.

Regardless of how a woman becomes a single mom, the realization that it either will be or is happening, can be terrifying. This can be true, even if you have been trying for some time to have children, or you became a single parent through adoption. The fact of the matter is that no matter how long you’ve wanted to become a single mother, the actuality of the situation can seem overwhelming.

single mother grantsEven if you happen to be one of the lucky few who don’t have to worry about money, it will usually take at least a few changes in your financial affairs in order to become a single mom. This could be as minor as diverting money into college accounts, or as significant as a complete overhaul of your living situation, spending habits, and savings plans. The good news is that there are an enormous amount of grants for single mothers that are now available to you. Although many of them are income based, you can also find at least a few places that are available to even higher income families. There are also so places that do not ask for any of your financial information at all, and provide you with services with no questions asked.

Taking Care of the Basics for Your Family

Although you probably want to provide everything for your child, it is pretty common to have to choose between necessities and essentials. Contrary to what your child might think, the only things that he or she needs to have are:

1) Food
2) Clothing
3) Shelter
4) Necessary medication and medical care
5) Adequate and appropriate supervision, when you cannot be around
6) Transportation to school or child-care
7) School supplies, as required by your school district

Feeding Your Family

initial food grantsFood is one of the most obvious things that you have to provide. Given that the cost of groceries seems to go up each and every week, this can be more challenging all the time. You probably already know a few things you can do to stretch your food budget, like buying in bulk, using coupons, and watching for sales. In addition to those important steps, you can also look into food stamps, WIC, food banks, and Angel Food ministries. Many food banks do not ask for verification of your income, and you are served as long as they have food available, and you show up within the hours they are open. Angel Food Ministries provide a way to buy at least fifty dollars worth of restaurant quality food, for about 30 dollars or so, and are not subject to any type of financial questions. WIC has a surprisingly high income level, and is available to pregnant or breastfeeding women, and children up to five years of age. This type of food grant for single mothers is one of the most common, and usually provides formula, if needed, within the first year. Quite frankly, there are a lot of ways to minimize what you have to spend at the grocery store.

Providing the Clothing For Your Family

Clothing is something that you can spend a small fortune on, or almost nothing on. You have an enormous amount of control over that, even if you live in a small town or rural area. I’ve lived in small towns, with limited or inadequate resale and thrift shops, and still managed to dress my kids ( and myself) well on an incredibly limited budget. The trick is to shop outside your immediate area, and to arrange exchanges with your friends and family members. The internet has made used clothing accessible to almost anyone, for a fraction of the cost and with more anonymity than you would have by shopping at a local store. That can be more important as your children get older, and are likely to become aware of the social stigmas associated with wearing used clothing. If you have two or more children of the same gender, you may also notice that you’re able to have hand-me-downs that are in better condition, when you buy a higher quality piece of clothing, even if it is used. If you have an immediate need, a lot of churches and some food banks offer clothing banks, which will allow you to obtain clothing for free.

Keeping a Roof Over Your Heads

Paying rent, or a mortgage each month, has been one of the biggest challenges that I’ve had each month. Usually because it’s the biggest bill, it’s also the hardest one to save up for. Single moms, with minor children, can be found in virtually every homeless shelter in the United States that will take them. Many churches and non-profit agencies offer rental assistance to qualified people once or twice a year. The important thing to remember here is that they will not always have funding, so always have a backup or two. Even if they usually are able to pay a month’s worth of bills, when funding gets low, they might be unable to pay as much or at all. So, even when you have someone…keep looking for someone else. A little research can be a huge help.

Additionally, the local Housing Authority will provide subsidized housing for qualified individuals. People who receive this type of assistance will pay less for their own housing expenses, because you will only be required to pay 30% of your income towards rent. Unfortunately, this type of housing is limited and often presents with very long waiting lists. If you live near a smaller area, and have transportation, you could try to apply there. A lot of people who are otherwise eligible for subsidized housing cannot go to smaller towns because of a lack of transportation, and therefore the waiting lists may not be as long. This type of grant for single mothers is an ongoing one, and therefore you will be required to be re-certified, at least once a year.

Making Sure That the Roof Over Your Heads Also has Electricity, Gas, and Water

If you just need your utility bills to come at a different time every month, you may be able to get the companies to do that. Otherwise, you could easily get stuck each month trying to make arrangements to delay your payment, which eventually could backfire if they refuse to allow you to do so. It is becoming common practice for utility companies to limit extensions to only once or twice a year.

However, if you think that your income makes you eligible, or you find yourself unable to pay your utility bills each month, you might want to look into the Low Income Home Energy Assistance Program. It is available in every state in the United States, in addition to the District of Columbia and five territories. Once you are enrolled, you will see a credit on your bill each month that reflects the amount you are not responsible for. This grant for single mothers will be based on your income and family size. Some people report that they didn’t receive any type of paperwork regarding an approval, before they began seeing the credit on their utility bills.

Providing for Your Child’s Medical Needs

Let’s be honest, kids will get sick. Once they are in daycare or school, they will probably get sick more, just because they are around other kids. Although eventually they will not get sick as much as they do in the first few years, they will always get sick. They will also need immunizations, antibiotics, and checkups to make sure that they are growing and developing normally. You will also need to know that if your child requires emergency care, that you can take them to the nearest hospital, and that they can see a dentist as often as it is currently recommended.

That means, that with very few exceptions, your child needs some sort of medical insurance. If you have an affordable, comprehensive policy available from your employer, or if your child’s father provides it, then you are lucky. If you’re not one of those lucky few, then your family may be able to benefit from one of the state-run medical assistance programs. The most common ones are Medicaid and low-cost insurance for children offered by individual states. They both have similar coverage, but Medicaid is typically free; whereas the low-cost insurance has at least a small cost. Kids are eligible as long as the family meets certain income and residency guidelines, from birth to at least 18, and sometimes older in some states. Pregnant women may also be able to use one of those programs.

These programs also pay for many of the most commonly prescribed medications.

Paying for Child Care

Most single moms have to work. That’s pretty obvious even to the most casual observer. That means that most of those kids are in child care while their moms work. Again, that makes sense. Unless you have family who are willing to provide day care for you for a nominal cost, you’ll have to figure out a way to pay for that service. And when a decent child-care can cost upwards of two hundred dollars a week for an infant, that can be a real challenge.

Fortunately, there are a variety of programs to help you afford child-care. Some day-cares give you a discount if you work there, even part-time, or volunteer a certain number of hours a week. If you are eligible for other services from the social services office in your state, you might also be eligible for free or discounted child-care. The same could also be true if you are fleeing a situation that involved domestic violence, or trying to get a high school diploma or G.E.D. Check with the Social Services in your area, because they will provide most of the funding.

Child Care Management Services is another agency that administers this type of assistance in many states. If you’re not sure who offers it in your state, a quick way to find out would be to call different licensed child-care providers in your area. They should be able to tell you handles it in your area, since if they accept it, they have to know who pays the bills. I promise, you are not the only single mom in your area who cannot afford the full cost of child-care, but also cannot afford to not work.

In some states, you are allowed to use these funds to pay a family member ( but not a friend) to watch your child. Usually, in this case, that family member must not live with you, so you would probably not be allowed to live with your parents and have the state pay your mom to babysit. Be sure to verify that that is still true, your state might be liberal than most.

Transportation

So, you live 1.9 miles from the school. Not quite enough for the school bus to pick your kids up, but way too far for them to walk. Their school starts at 7:45, and you have to be on the road no later than 7:05 to be on time for school. Does this sound familiar? It does to me, because I lived it for three years.

First, it’s important to see how early your child can be at school. If they serve breakfast early, your child might just need to start eating breakfast at school. If not, check with your neighbors…what are other working parents doing? Does your child’s after-school program have a before school-program as well? I found out that ours did…for an extra five dollars a week per child, I could drop them off at daycare before school, and they would provide breakfast, then give them a ride to school.

If the actual transportation is a problem,, then you need to look into the grants that are available for low-income families to get used, running vehicles. Some groups offer this for free, while some organizations offer their cars for a low-cost, or even short-term financing. This is an important need for single moms, because it literally has the ability to change lives. Studies have proven that when single parent households have a licensed driver and a running, legal vehicle, those households have a better chance of getting and keeping jobs. That obviously means that your future, and the futures of your children, can be better just because you have a car.

School Supplies, Uniforms, etc.

Although over the long-term, you will spend less on school uniforms than you would if they worse street clothes, it may not seem that way when you’re shopping for a weeks worth of uniform, two weeks before school starts. Although it might feel awkward, you should consider calling the school or the outreach office at the school district, if you’re having trouble providing the required items for your child.

Many parents choose to donate their child’s outgrown uniforms, or unused school supplies, at the end of the school year. As a result, your phone call could provide your child with at least some of what they need. Even if they don’t have any extras, the PTA (or PTO) at the school might have funding for your situation. Failing that, they might be able to refer you to an agency or organization that can help. It’s also important to verify what s actually required, as opposed to what your child thinks they need. I remember a few years ago, when my daughter truly believed that she had to have her own, brand new, laptop to start junior high with. And no, the computer at home would not do, she had to have her own.

The good thing about single parenting is that society is so much more accepting of us, then they were only a generation or two ago. The scary part is that we have only ourselves to depend on. Fortunately, there are an enormous amount of resources, grants, and assistance that are available, if you know where to look. And even better, I’ve known, used, or researched as many of those types of help as possible, and if you hang in with me, I promise to do my best to help you avoid my mistakes. I also promise to do my best to share with you as much helpful information as possible. If you need something I haven’t written about, email me, and I’ll see what I can come up with.

Although my personal experience has been that of a single mom, it is my absolute belief that most of the information I’ve given out here would be equally appropriate for a single dad, as well as any low-income family unit with children. Whatever your path to parenthood is, I hope that my words are able to make it a little easier for you and your family to find what you need. Thanks for reading, good luck!