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When Barrack Obama campaigned for President, one of his platforms was to make a college education affordable for everyone. Last March, he signed the Health Care and Education Reconciliation Act, which includes many of the ways he wants to make education more accessible. There are actually six points, which he hopes to have turned into law and/or policy by 2012. Many are unaware of the many benefits provided by these six items.

Create An Education Credit – This will make college affordable for all Americans by creating a new American Opportunity Tax Credit. This fully refundable credit will ensure that the first $4,000 of a college education is completely free for most Americans, and will cover two-thirds the cost of tuition at the average public college or university. Recipients of this credit will be required to conduct 100 hours of public service a year, either during the school year or over the summer months.

Simplify The Financial Aid Process – Filing for financial aid is getting as complicated as filing one’s taxes. Obama states the basic FASFA form needed to even get a basic Pell Grant is longer and more complicated than a standard annual tax form. Research has shown that the low take-up rate of the Pell Grant, HOPE and Lifetime Learning tax credit programs is likely due to the complexity of the application process. Among Obama’s proposals is a simple box on everyone’s tax form. Check that box off when filing one’s taxes and it allows the IRS to send relevant financial information to the Board of Education for the Pell and other grants. They even are talking about eliminating the FASFA.

High School Preparation Tests – One of Obama’s most critical objectives is to overhaul high school preparation. He believes many high school students aren’t “College Ready”. He’s proposed creating a voluntary test. With the results, a student will know what they need to be ready for college and still have the time to prepare for it. This may not help online schools, but it will get more people ready for them.

Increase The Pell Grant – Obama’s Reconciliation Act is a start, thanks in part to the last point. It includes plans to increase the Pell from a ceiling of $5,350 to hopefully slightly under $6,000 next year. He has also promised to set up a system where the Pell will be increased annually based on the current cost of college.

The Community College Partnership Program – This is also part of the new Reconciliation Act. Obama feels community colleges have approximately 50% of all students. The Act calls for the start of what he’s calling a Community College Partnership Program. Its goal is to strengthen community colleges by providing grants. The school must be Title IV accredited, and according to sources inside the Board of Education, this also includes online schools.

Eliminate Federal Family Loan Program – The President stopped the Federal Family Loan Program. Banks are seriously not happy about this, mainly because they can’t put students in debt for life like they used to. The Federal Family Loan System involved federal money administered by banks. All loans will now be through the already existing Direct Loan system, which is administered by the Board of Ed. Obama projects this creates an incredible savings and generate revenue, with the profits going to the Pell.

Education is life changing. Those who go to college and get a degree have already increased their income potential before they are even hired. The college grants and scholarships needed for many to attend college is addressed in the above plan. Changing how college loans are issued and upping Pell grant and &LINK3% may just mean untold numbers of people will have a better change right from the start.

Everyone knows there’s a critical shortage of nurses. One demographic where the health care industry has been doing its best to draft more into the profession is with African Americans. According to a recent study by the Bureau of Labor Statistics, 55% of all nurses are white, 35% are black and the remaining 10% are of other races. One way to begin combating this is through scholarships and grants to encourage new students.

Money is where things become problematic. The current recession is making going for a higher education more than troubling for African Americans, who overall come from much more difficult financial positions. To counter this, an incredible number of organizations are offering to swell the ranks with financial aid. In fact, the site, Minority Nursing, has put together a list of over 100 of these programs, for high school kids seeing their senior year fly away to post-grads looking to advance beyond walking the floors into their own practice or management. Below are a few:

(1) The National Black Nursing Association – This professional organization exists to help African American nurses, both the student and the pro. Applicants must be a member of NBNA and still have one last year of education remaining. A number of scholarships from $500 to $2,000 are provided for those going for a BSN, AND or LPN/LVN nursing program.

(2) Foundation of the National Student Nurses Association – This professional organization not only is out there to help nursing students with helpful tips on their education, but also administers several hundred grants and scholarship. Of particular interest is the Breakthrough to Nursing Scholarships, which was established in 1965.

(3) Health Resources and Services Administration, Bureau of Health Professions – They developed a plan called Scholarships for Disadvantaged Students that donates aid for financially needy nurses and health students. They must be a U.S. citizen (national or permanent resident). The funds are sent directly to the school, so this one must be done through the financial aid office.

(4) Humility of Mary Health Partners/Minority Nurse Anesthetist Scholarship – This program is to assist RNs become nurse anesthetists, one of the highest paid specialties in the profession. It awards them a $10,000 fellowship. There are a number of pre-requisites that also come with the money, among them one must work for Humility of Mary Health Partners for a few years.

(5) Minority Nurse Magazine Scholarship Program – The site itself puts its money where its mouth is by awarding $1,000 to $3,000 scholarships to racial and ethnic minority students. They must be: in their junior or senior year of an accredited BSN school in the country; an accelerated program leading to a BSN degree; or an accelerated Master’s Entry nursing program for people with degrees in other fields; such as going from a Bachelor’s in Business Administration.

As said before, Minority Nursing also has listings and URL’s for over 100 different kinds of grants for college. What one should do is a little research on the Web and then get a consultation in with your school’s financial aid advisor regarding which online college grants has become available for you. The financing in the form of grants and scholarships is certainly out there. For more information about federal grants, check the web.

(There are a variety of financial aid options available for students. With some research, you can complete some or all of them, and be on the way to financing your education. Working full time to earn enough income to support yourself and your family, while earning a degree, seems like a nearly impossible task. But by enrolling in an online college, you can be well on your way to furthering you education, without disrupting your schedule.|If you have considered furthering your education, but are not sure how to go about obtaining financial aid, you may want to do some research. There are a several options available for students, and you may qualify for some if not all of them. If you’re a part or full time working professional, a less costly alternative to the traditional campus based education is to enroll in online college. This will give you the opportunity to work at the times of day that fit your schedule best, while completing your degree.|If you’re working part or full time to support yourself and your family, it may seem difficult to further your education. With some careful planning and research, you can enroll in an online college. You will be able to complete your degree at a lower cost than a traditional education, and you can continue with your regular schedule. Now that you’ve made the decision to further your education, you need to learn which forms of financial aid are best for your situation.}

One of the most well known ways to gain financial assistance is through a Free Application For Federal Student Aid, or FAFSA. FAFSA offers students a variety of financial aid options, including work-study programs, federal student loans, or federal grants. It is as simple as filling out the appropriate forms. This is the most popular way to finance your education, and also the easiest way to obtain financial aid.

The Stafford loan is a federal student loan that provides federal funding with a low interest rate to students. It includes a six-month grace period before you are asked to begin repaying it, which post-graduates the opportunity to seek employment before then have to make loan payments. Perkins loans are similar to Stafford, however, the biggest difference is that this loan is made for low-income adults with financial difficulties.

It is extremely important to be thorough with the application and follow up process when it comes to trying to obtain a federal grant. This type of financial aid is offered to students on a first come, first served basis. Federal grants do not have to be repaid, and are therefore in higher demand than other types of financial aid. The recent stimulus package has allotted more money for grants this year than any year in the past, giving more students than ever before the opportunity to gain financial aid.

Scholarships are offered in abundance in your community, as well as on a national level. To seek out the best ones for you, take time to search the internet and collect applications from participating area organizations. When you have excelled with your time, talents, or academic achievements; you may be qualified to earn a scholarship for your efforts. The application process varies from one organization to the next, so it is best to read all of the supplemental materials carefully.

If you have exhausted all other options, private bank loans are available, too. These loans should be considered last. They are more expensive to pay back, with high interest rates that will fluctuate over time. You should first try to get a federal student loan, or choose some of the other options discussed.

Financing your education can be easy if you have the knowledge and tools about college grants and scholarships to make it happen. Consider choosing an online degree program, which is also eligible for government grants, to further your education. Attending your courses from the comfort of your own home, any time of day or night, will give you the flexibility you need when juggling other responsibilities, such as work and family commitments. You can begin working on an online degree today. If this option is of interest to you and you would like to find more information about your apply for a Pell grant online, you can find an abundance of data on the internet.

If you’ve considered returning to school, or attending college for the first time, an excellent alternative to an on-campus education is an online degree program. A career in Arts and Humanities means exercising your creativity and creating products for consumers that are stylish and practical.

A career in the arts will allow you to utilize creative skills you’ve learned with an online degree in the study of Arts & Humanities. Fashion designers make products that are on the cutting edge of style, often working to appeal to the masses and remain affordable. Interior designers create home decoration products that accent your living space. Video game designers give you stimulating and imaginative games that challenge the senses.

Protecting the security of our nation and the safety of our citizens are just some of the duties and responsibilities associated with a career as an intelligence agent. With a background in arts and humanities, an intelligence agent can form a partnership with government officials and agencies to protect the well being of our country, while enjoying a high salary and comprehensive benefits package.

If designing video games and computer software interests you as much as playing them does, you may want to consider using your arts and humanities degree to pursue a career as a game designer. Use the skills you’ve acquired in this area of study to create and develop games that will challenge your players and appeal to a mass audience. Though this is a highly competitive field, your cutting edge knowledge and recent education in this area will put you a cut above the rest when applying for jobs.

Advertising executives are trained to communicate the benefits of products for consumers. Businesses depend on advertising account executives to promote their products and services in the most unique ways possible, via different forms of media. Whether in print, radio and television, or internet, these skills can be obtained with a degree in the arts.

Freelance workers are able to take on assignments from home while working on their online degree. Earn money as a business writer while you study Arts & Humanities. Develop material for magazines and trade journals, newspapers, or online blogs. These writers must have the ability to write with a clear and concise skill.

If you have specialized knowledge in a particular field, such as science or medicine, your background in these areas could serve you well as a technical writer. Technical writers are often paid at higher rates, and jobs are more widely available in this area. Contribute to technical manuals or educational materials, as well as instruction manuals. Write product descriptions and other supplemental materials.

If you’d like to change your career, you should consider enrolling in an online college and using grants for college to do so. With the help of a pell grant application, it will give you the opportunity to continue working full time and earning a wage while you further your education. An online degree in Arts and Humanities will provide you with the skills you need to let your creativity shine in one of several design fields, or as a writer. Now with student loans, more students have the opportunity to attend college and improve their career.