7 Worthwhile Scholarships for Single Moms

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As a single mom, it can be hard to manage school, work, and children. I know. I’m a single mom myself — and I’m planning on going back to school in the fall.

“It’s important to get that education so you can better provide for yourself and your children,” said Sarah Bettencourt, a single mom and founder of Mother of Marketing, a digital consulting firm. “But paying for college as a single mom can be a struggle.”

One way to get help is to apply for scholarships for single moms.

Most scholarships for single moms won’t pay for your entire education, Bettencourt pointed out. But they can help close college funding gaps you might have. Here are seven scholarships available for single moms.

1. Beatrice F. Kroesche Memorial Scholarship

This scholarship for single moms is available at the University of Utah for students enrolled in the College of Education or English department. Fill out the university’s general scholarship application to be considered.

  • Scholarship amount: Varies
  • Deadline: To be announced for 2019-20
  • Maintain a GPA of 3.0 or better
  • Carry a minimum of 12 credit hours

2. Bernice Murray Scholarship

Named after a longtime aide to U.S. Sen. James Jeffords, this scholarship is meant for single parents who are residents of Vermont and who demonstrate financial need. The scholarship stipulates that the award is used for child care expenses.

  • Scholarship amount: $2,000
  • Deadline: To be announced for 2019-20
  • Be a single parent with custody of at least one child 12 or younger
  • Fill out the Unified Scholarship Application
  • Provide a recommendation letter from a nonrelative detailing your qualifications
  • Complete a general essay of at least 250 words describing your course of study, financial need, and how you’re unique
  • Give child care information

3. Bethel Foundation Grace Scholarship Fund

These scholarships for single moms are available to full-time and part-time students, and can even be used during the summer session. Single mothers can reapply each semester for help paying for books or tuition.

  • Scholarship amount: $1,500 maximum each semester for full-time students
  • Deadline: Oct. 15 for spring, March 15 for summer, June 15 for fall
  • Be a U.S. citizen
  • Be the head of household with sole custody of at least one child younger than 18
  • Pursue a career-oriented course of study
  • Can’t have an undergraduate degree
  • Receive a Pell Grant

4. BYU Marriott Single Parent

If you’ve been accepted to the Marriott School at BYU, you’re eligible to apply for a number of scholarships, including one aimed at single parents. There is one application for all BYU Marriott students. With this scholarship, if you get married, you lose the funding.

  • Scholarship amount: Varies
  • Deadline: To be announced for 2019-20
  • Have custody of dependent children
  • Remain in good academic standing (to be evaluated each year)

5. Ford Opportunity Program

Designed for residents of Oregon or Siskiyou County in California. This is one of the rare scholarships aimed at struggling single parents that can actually pay for a large part of your unmet need as a college student.

  • Scholarship amount: Up to 90% of unmet need as calculated using the Free Application for Federal Student Aid (FAFSA), not to exceed $25,000 a year
  • Deadline: March 1 each year
  • Be the head of household with at least one child younger than 18
  • Complete high school or receive a GED (or be close to doing either)
  • Have a minimum cumulative GPA of 3.0
  • Have at least one full year left in an associate or bachelor’s program
  • Complete a full interview

6. EFWA scholarships

While these aren’t scholarships for single moms per se, the Educational Foundation for Women in Accounting offers a number of scholarships aimed at women who are primary sources of support for their families. Single moms definitely meet that criteria.

  • Scholarship amount: $1,000 to $16,000 a year
  • Deadline: April 30 each year
  • Pursue an accounting degree at a U.S. school
  • Have an aptitude for accounting and business, based on previous experience or coursework
  • Meet financial need requirements
  • Provide evidence that you’ll continue pursuing career goals

7. Single Parent Scholarship Fund

If you’re a resident of Arkansas or Bowie County in Texas, you can apply for help paying for school through this fund.

  • Scholarship amount: Varies
  • Deadline: Varies by county of residence
  • Be a custodial parent or guardian of at least one dependent child
  • Can’t live with a significant other or co-parent
  • Be a legal U.S. resident
  • Have a high school diploma or GED
  • Maintain a cumulative GPA of 2.0
  • Can’t have a household income exceeding 250% of the federal poverty guidelines
  • Pursue a course of study that will lead to a job with family-supporting wages

Where to look for scholarships for single moms

“There aren’t a lot of scholarships for single moms out there, really,” said Bettencourt. “Instead, in addition to applying for these niche scholarships, you also need to make other plans.”

Bettencourt recommended checking out other scholarship resources such as Fastweb and Scholly. You might find other scholarships for which you qualify, based on criterion beyond your single-mom status.

Don’t forget to check with your school’s financial aid office. You might qualify for more need-based scholarships awarded through endowment and alumni funds.

Bettencourt also suggested looking for single-mom resources at CoAbode.

“This network of single moms helped me with resources beyond just scholarships,” she said. “You can find support and access programs that can help you in other areas of your life. That’s a necessity when you’re trying to raise children and go to school.”

Other ways to pay for school as a single mom

Bettencourt made it through her own undergraduate experience with the help of the Pell Grant.

“Single moms are often low income when they start college and can qualify,” Bettencourt said. “That’s really your best bet if you want to make school more affordable.”

Make sure to fill out the FAFSA to qualify for federal grants, loans, and work-study programs. All these resources, besides scholarships, can help you put together a college funding plan.

And, if you’re still struggling to pay for school, consider applying for private student loans. Just keep in mind that you might need a cosigner to qualify, depending on your situation, and you could end up with higher interest rates and fewer protections than with federal loans.

Chances are, you won’t be able to cover all your college costs from just one source.

“Pull from different resources and networks to get help,” Bettencourt said. “Scholarships are just one piece of the puzzle.”

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2 Important Disclosures for College Ave.

CollegeAve Disclosures

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

(1)All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.

(2)This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7% variable Annual Percentage Rate (“APR”): 96 monthly payments of $179.28 while in the repayment period, for a total amount of payments of $17,211.20. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

(3)As certified by your school and less any other financial aid you might receive. Minimum $1,000.

Information advertised valid as of 5/22/2019. Variable interest rates may increase after consummation.


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4 Important Disclosures for Discover.

Discover Disclosures

  1. At least a 3.0 GPA (or equivalent) qualifies for a one-time cash reward of 1% of the loan amount of each new Discover undergraduate and graduate student loan. Reward redemption period is limited. Please visit DiscoverStudentLoans.com/Reward for any applicable reward terms and conditions.
  2. View Terms and Conditions at DiscoverStudentLoans.com/AutoDebitReward.

5 Important Disclosures for SunTrust.

SunTrust Disclosures

Before applying for a private student loan, SunTrust recommends comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans. To view and compare the available features of SunTrust private student loans, visit https://www.suntrust.com/loans/student-loans/private.

Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this loan program without notice. Availability of all loan programs is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions.

©2019 SunTrust Banks, Inc. SUNTRUST, the SunTrust logo and Custom Choice Loan are trademarks of SunTrust Banks, Inc. All rights reserved.

  1. Interest rates and APRs (Annual Percentage Rates) depend upon (a) the student’s and cosigner’s (if applicable) credit histories, (b) the repayment option and repayment term selected, (c) the requested loan amount and (d) other information provided on the online loan application. If approved, applicants will be notified of the rate applicable to your loan. Rates and terms effective for applications received on or after 5/1/2019. The current variable APRs for the program range from 4.251% APR to 11.300% APR and the current fixed APRs for the program range from 5.251% APR to 12.00% APR (the low APRs within these ranges assume a 7-year $10,000 loan, with two disbursements and no deferment; the high APRs within these ranges assume a 15-year $10,000 loan with two disbursements). The variable interest rate for each calendar month is calculated by adding the current One-month LIBOR index to your margin. LIBOR stands for London Interbank Offered Rate. The One-month LIBOR is published in the Money Rates section of The Wall Street Journal (Eastern Edition). The One-month LIBOR index is captured on the 25th day of the immediately preceding calendar month (or if the 25th is not a business day, the next business day thereafter), and is rounded up to the nearest 1/8th of one percent. The current One-month LIBOR index is 2.500% on 5/1/2019. The variable interest rate will increase or decrease if the One-month LIBOR index changes. The fixed rate assigned to a loan will never change except as required by law or if you request and qualify for the auto pay discount.
  2. Any applicant who applies for a loan the month of, the month prior to, or the month after the student’s graduation date, as stated on the application or certified by the school, will only be offered the Immediate Repayment option. The student must be enrolled at least half-time to be eligible for the partial interest, fully deferred and interest only repayment options unless the loan is being used for a past due balance and the student is out of school. With the Full Deferment option, payments may be deferred while the student is enrolled at least half-time at an approved school and during the six month grace period after graduation or dropping below half-time status, but the total initial deferment period, including the grace period, may not exceed 66 months from the first disbursement date. The Partial Interest Repayment option (paying $25 per month during in-school deferment) is only available on loans of $5,000 or more. For payment examples, see footnote 7. With the Immediate Repayment option, the first payment of principal and interest will be due approximately 30-60 calendar days after the final disbursement date and the minimum monthly payment is $50.00. There are no prepayment penalties.
  3. The 15-year term and Partial Interest Repayment option (paying $25 per month during in-school deferment) are only available for loan amounts of $5,000 or more. Making interest only or partial interest payments while in school deferment (including the grace period) will not reduce the principal balance of the loan. Payment examples within this footnote assume a 45-month deferment period, a six-month grace period before entering repayment and the Partial Interest Repayment option. 7-year term: $10,000 loan disbursed over two transactions with a 7-year repayment term (84 months) and 8.382% APR would result in a monthly principal and interest payment of $198.61. 10-year term: $10,000 loan disbursed over two transactions with a 10-year repayment term (120 months) and an 8.851% APR would result in a monthly principal and interest payment of $161.70. 15-year term: $10,000 loan disbursed over two transactions with a 15-year repayment term (180 months) and a 9.335% APR would result in a monthly principal and interest payment of $135.68.
  4. The 2% principal reduction is based on the total dollar amount of all disbursements made, excluding any amounts that are reduced, cancelled, or returned. To receive this principal reduction, it must be requested from the servicer, the student borrower must have earned a bachelor’s degree or higher and proof of such graduation (e.g. copy of diploma, final transcript or letter on school letterhead) must be provided to the servicer. This reward is available once during the life of the loan, regardless of whether the student receives more than one degree.
  5. Earn an interest rate reduction for making automatic payments of principal and interest from a bank account (“auto pay discount”). Earn a 0.25% interest rate reduction when you auto pay from any bank account and an extra 0.25% interest rate reduction when you auto pay from a SunTrust Bank checking, savings, or money market account. The auto pay discount will continue until (1) automatic deduction of payments is stopped (including during any deferment or forbearance) or (2) three automatic deductions are returned for insufficient funds during the life of the loan. The extra 0.25% interest rate reduction when you auto pay from a SunTrust Bank account will be applied after the first automatic payment is successfully deducted and will be removed for the reasons stated above. In the event the auto pay discount is removed, the loan will accrue interest at the rate stated in your Credit Agreement. The auto pay discount is not available when payments are deferred or when the loan is in forbearance, even if payments are being made.
  6. A cosigner may be released from the loan upon request to the servicer provided that the student borrower is a U.S. citizen or permanent resident alien, has met credit criteria and met either one of the following payment conditions: (a) the first 36 consecutive monthly principal and interest payments have been made on-time (received by the servicer within 10 calendar days after their due date) or (b) the loan has not had any late payments and has been prepaid prior to the end of the first 36 months of scheduled principal and interest payments in an amount equal to the first 36 months of scheduled principal and interest payments (based on the monthly payment amount in effect when you make the most recent payment). As an example, if you have made 30 months of consecutive on-time payments, and then, based on the monthly payment amount in effect on the due date of your 31st consecutive monthly payment, you pay a lump sum equal to 6 months of payments, you will have satisfied the payment condition. Cosigner release may not be available if a loan is in forbearance.
  7. If the student dies after any part of the loan has been disbursed, and the loan has not been charged off due to non-payment or bankruptcy, then the outstanding balance will be forgiven if the servicer is informed of the student’s death and receives acceptable proof of death. If the student becomes totally and permanently disabled after any part of the loan has been disbursed and the loan has not been charged off due to non-payment or bankruptcy, the loan will be forgiven upon the servicer’s receipt and approval of a completed discharge application. If the student borrower dies or becomes totally and permanently disabled prior to the full disbursement of the loan, and the loan is forgiven, all future disbursements will be cancelled. Loan forgiveness for student death or disability is available at any point throughout the life of the loan.

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LendKey Disclosures

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7 Important Disclosures for CommonBond.

CommonBond Disclosures

A government loan is made according to rules set by the U.S. Department of Education. Government loans have fixed interest rates, meaning that the interest rate on a government loan will never go up or down.

Government loans also permit borrowers in financial trouble to use certain options, such as income-based repayment, which may help some borrowers. Depending on the type of loan that you have, the government may discharge your loan if you die or become permanently disabled.

Depending on what type of government loan that you have, you may be eligible for loan forgiveness in exchange for performing certain types of public service. If you are an active-duty service member and you obtained your government loan before you were called to active duty, you are entitled to interest rate and repayment benefits for your loan.
If you are unable to pay your government loan, the government can refer your loan to a collection agency or sue you for the unpaid amount. In addition, the government has special powers to collect the loan, such as taking your tax refund and applying it to your loan balance.

A private student loan is not a government loan and is not regulated by the Department of Education. A private student loan is instead regulated like other consumer loans under both state and federal law and by the terms of the promissory note with your lender.
If you refinance your government loan, your new lender will use the proceeds of your new loan to pay off your government loan. Private student loan lenders do not have to honor any of the benefits that apply to government loans. Because your government loan will be gone after refinancing, you will lose any benefits that apply to that loan. If you are an active-duty service member, your new loan will not be eligible for service member benefits. Most importantly, once you refinance your government loan, you will not able to reinstate your government loan if you become dissatisfied with the terms of your private student loan.

If your private student loan has a fixed interest rate, then that rate will never go up or down. If your private student loan has a variable interest rate, then that rate will vary depending on an index rate disclosed in your application. If the interest rate on the new private student loan is less than the interest rate on your government loans, your payments will be less if you refinance.
If you are a borrower with a secure job, emergency savings, strong credit and are unlikely to need any of the options available to distressed borrowers of government loans, a refinance of your government loans into a private student loan may be attractive to you. You should consider the costs and benefits of refinancing carefully before you refinance.

If you don’t pay a private student loan as agreed, the lender can refer your loan to a collection agency or sue you for the unpaid amount.

Remember also that like government loans, most private loans cannot be discharged if you file bankruptcy unless you can demonstrate that repayment of the loan would cause you an undue hardship. In most bankruptcy courts, proving undue hardship is very difficult for most borrowers.


8 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Student Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of May 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 4.45%-12.42% (4.45% – 12.32% APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 5.25%-12.19% (5.25% – 12.09% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a co-signer, are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan. 
  2. Citizens Bank Student Loan Eligibility: Borrowers must be enrolled at least half-time in a degree-granting program at an eligible institution. Borrowers must be a U.S. citizen or permanent resident or an international borrower/eligible non-citizen with a creditworthy U.S. citizen or permanent resident co-signer. For borrowers who have not attained the age of majority in their state of residence, a co-signer is required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Citizens Bank private student loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens Bank- participating school.  
  3. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents.
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