Loans and Free Tuition for Community College Students

Updated
|
Loans and Free Tuition for Community College Students
Learn more about how community colleges and federal loans can help you affordably finance your community college education.
Courtesy Department of Education

When the economy slows down, individuals across the country struggle to cope with layoffs. Even after the economy begins to grow again, it takes some time for employment levels to rebound. As a result, many workers find that their once-desirable resume is no longer up to par in a fiercely competitive job market.

To help unemployed workers stay at the forefront of training, some states offer free community college tuition. Specifically, states such as Kentucky and New Jersey are seeking to stimulate their community’s knowledge and job application appeal by providing free classes and affordable tuition to workers in need. Depending on each school’s programs, laid-off employees can either benefit from completely free tuition or significant tuition discounts.

This video shows a student explaining how he went to community college tuition-free.

Kentucky Community Colleges

The Kentucky Community and Technical College System offers extra tuition support to Kentucky residents who have recently encountered job loss. Dubbed the “Career Transitions Initiative,” the program seeks to provide workforce training in high-demand, high-wage jobs. Set into motion with the support of Governor Steve Beshear, newly laid-off workers are provided with a 50 percent tuition reduction for up to 6 credit hours each semester. This discount is available at 16 colleges and 67 campuses throughout Kentucky and students can utilize it for a full year of education or training. Additionally, this program is designed to help provide newly laid-off individuals with personal support to navigate the process for financial aid or student loans.

The main goal of this program is to provide high quality, low cost and convenient education and training to individuals who are struggling to find new employment. With the free or reduced community college opportunities, employees can receive the knowledge and skills they need to become competitive in their field of interest. Kentucky residents who have filed for or received unemployment benefits are eligible to apply for the program.

New Jersey Community Colleges

The New Jersey Unemployed Workers Tuition Waiver Program is available at all the state’s public community colleges and universities. As part of the program, seats not filled by paying students can be made available to unemployed students free-of-charge. Students must enroll in courses that provide identifiable skills that will improve their ability to acquire gainful employment. While all public institutions in the state participate in the program, requirements and policies that govern the program’s administration vary widely from campus to campus.

Students can also get assistance through a variety of state programs that pay for job training. The New Jersey Workforce Development Partnership Act (WDP) and the Workforce Investment Act (WIA) each provide up to $4,000.00 in grants for job training to workers who have been displaced. Both programs also allow students to continue to collect unemployment insurance while attending school. Additionally, workers whose jobs have been moved overseas can receive funding for classroom and on-the-job training, as well as monetary assistance to relocate or conduct job searches as part of the Trade Assistance Act.

This video reports on a tuition-free community college experience.

School-Based Programs

Many community colleges have their own tuition assistance programs for unemployed students. For students who have lost a full-time, non-seasonal job, the Community College of Philadelphia offers the Opportunity Now program as a means to gain the knowledge and skills to start a new career. Participants in the program receive a tuition waiver for up to 12 credits for one semester. In order to be eligible, students must be a resident of Philadelphia County and a citizen of the United States and must present a letter from their former employer stating that their position has been terminated.

North Seattle Community College offers a similar program for laid-off workers called the Worker Retraining Program. The program is available for students who have lost their jobs and require further training in order to obtain new employment. Tuition assistance, and funding for textbooks and supplies may also be available. To be eligible, students must meet one of the following criteria:

  • All unemployment benefits have been exhausted within the last two years.
  • Unemployment assistance is currently being received.
  • If self-employed, your business has closed within the last two years.
  • You have been honorably discharged from the armed forces within the last two years.
  • You are a homemaker that has been displaced due to divorce, death, or unemployment of a spouse within the last two years.

Federal Assistance Programs

Federal programs are also available for students who are out of work. Unmarried, independent students with no income are likely eligible for the maximum award under the Pell Grant, which for the 2014-2015 school year stands at $5,730.00. The Pell Grant is generally awarded only to undergraduate students who have not yet obtained an undergraduate or professional degree. All students who qualify for the grant will get assistance, regardless of the school they attend or the number of people who have been awarded the grant in any given school year.

Additionally, unemployed students might qualify for up to $4,000.00 of assistance per year as part of the Federal Supplemental Education Opportunity Grant (FSEOG). The FSEOG program is campus-based, meaning the financial aid office at each individual college determines the award amount. FSEOG funds are limited, and some schools do not participate in the program. As such, funds are dispersed to the highest need students first, and once the funds are gone, no more grants will be awarded.

This video explains theFederal Supplemental Education Opportunity Grant (FSEOG) program.

Whether assistance is gained from a campus-specific program, a state-funded scholarship, or a federal grant, many programs allow unemployed workers to return to school and get the education they need to start new employment. If you’re unemployed and want to return to school, inquire at your local community college’s financial aid office about programs available to you. You may well find that you can go back to school for a greatly reduced price, or even for free.

Questions? Contact us on Facebook @communitycollegereview.

Additional Resources [+]
comments powered by Disqus

Recent Articles

What are Community Colleges Doing with Labor Department Grants?
What are Community Colleges Doing with Labor Department Grants?
The article explores how community colleges are utilizing Labor Department grants, particularly the TAACCCT program, to develop workforce training programs. It highlights various initiatives across different states, focusing on industry-specific training and skill development in emerging sectors.
For-Profit Universities Looking to Partner with Community Colleges
For-Profit Universities Looking to Partner with Community Colleges
This article examines the trend of for-profit universities, particularly the University of Phoenix, seeking partnerships with community colleges. It discusses the potential benefits and controversies surrounding these collaborations, focusing on transfer agreements and workforce training programs.
New Analysis Shows How California Community Colleges Could Cut Millions in Spending
New Analysis Shows How California Community Colleges Could Cut Millions in Spending
The article discusses a California Watch analysis revealing potential savings in California's community college system through administrative consolidation. It explores the implications of such cost-cutting measures and the challenges in implementing them within the state's education system.

Get Your Degree!

Find schools and get information on the program that’s right for you.

Powered by Campus Explorer

Financing

FINANCIAL AID
Our articles will provide you with the tools and resources needed to make sure you are qualifying for all the financial aid available, as well as maintaining your aid throughout your college career. Get the latest news on student loan interest rates, learn what to do when your financial aid is late, and explore all of your financial aid options.
More Articles
Read more articles (16)
Financing Basics (7) Tuition (12) Saving Money (14) Grants & Scholarships (8)