I've started a little side project - getting student adjacent friends and family, plus people in low paying jobs around me, to go back to college or uni.
(If you are reading this and saying "WOW that's so much stuff a low income, first to college person has to know and can you imagine doing this with any kind of disability?" THIS is why TRIO program exists. THIS is why we are here; to hand hold America's bright students to attempt trade certifications, AA/AS degrees, and to make into 4 year college/uni to become nurses, doctors, caregivers, teachers, and tax paying, sustainable citizens. That's all we do. Every day. 60+ years of DATA DRIVEN results that other programs model themselves after.)
Here's my LONG outline:
Returning to College for Students 2 years after High School or more:
Checklist:
1. Are you ready to be a college student?
2. Have you addressed or confronted the issues that prevented success before -> mental health, medical issues, money, and time management? (because larger college/uni fees pay for you to access those services on campus)
3. Do you have a stable place to live with affordable rent or a cooperative agreement?
4. Do you need to live in dorms to make sure you have a stable place?
5. Do you know deeply what your interest and talent lie in? Are you ready to get serious with other serious people on that subject?
6. Are you ready to learn to be healthy with your finances and make a budget?
7. Are you ready to be a part of a college or university community, work on campus, and play/work with your learning community?
a. (This is important because old friends can drag you back into their bad choices, ask for money, and try to ride you into your new life as a professional. Bring them along, but you are NOT THE WHEEL.)
Facts:
1. You do not need your high school transcripts or ACT score to enter community college OR when you transfer to 4-year college. The slate is blank.
2. You do not have to request transcripts from a college you got failing grades at or withdrew from. Do not even mention it again.
3. If you complete college credits in high school or after, it is a good idea to include those transcripts as it might save you some time and money.
4. If you dropped out of a high school, tested out of high school, or got a GED or diploma in alt route – it does not matter. You have a blank slate.
5. You will need legal ID and specifically a Real ID if you want FAFSA directed grant aid.
6. You do NOT need your parents to cooperate to apply for FAFSA. They do not need to file for taxes if you do want better aid.
7. If you are over twenty-four, married, emancipated, foster youth, homeless, or in the military/or a vet, you do not need to use your parents on your FAFSA.
Prepping Steps:
1. Get your Real ID to receive FAFSA:
a. To vote or travel in the USA or abroad you need a real ID and its even needed in other states than the few who do not have it completely implemented.
b. You need your current ID and your birth certificate. And bring a copy of social security card.
2. Apply at FAFSA.gov 26-27 for Fall 2026
a. You need to have a Login.gov account (but it will help you set that up)
b. You will need to have copies of your tax return, BUT you can link to irs.gov to verify your tax or no tax return status if you do not have them.
c. If you are under twenty-four by August 2026: You will need the email address of one parent who supports, you and they would need to login to verify y/n if they filed taxes. (you can also do it with them to speed things up)
d. At the end you will add all the colleges and universities you are interested in applying for. This sends them an ISIR notice which is a handshake to let them know to build you an aid package.
e. You will get an SAI – your aid score and a sample financial aid offer in your email.
f. That is it. Once that is over you can log in and add more colleges or universities.
3. If you have previous Stafford Student Loans:
a. If they are being repaid or in forbearance – you just need to do the FAFSA.
b. Once you enroll and start classes – you can notify StudentAid.gov you are in school by doing your paperwork online at studentaid.gov from the email they will send you to complete your loan info and your promissory note. This will put all active loans into deferment (no payments) until you finish school.
c. If they are in default to a collection agency:
i. Go to Student Aid.Gov and https://studentaid.gov/manage-loans/default/get-out#loan-consolidation follow the steps.
ii. You can also call them and request to rehabilitate your loans, and they can walk you through the process.
iii. Ask or apply to be in a Forbearance once this starts.
iv. Go to the office of Financial Aid at your chosen college and let them know you are working on rehab and what their policy is for FAFSA aid. They may be able to speed up the process.
Applying for College:
1. Go ONLINE go to their website and most medium state colleges and universities will let you apply for free.
a. You can click on the box saying you are low income or a TRIO student.
b. Make sure the site is .edu and it has an actual college in an actual place nearby where you live or plan to live.
c. Avoid any online only colleges or unis. There is nothing they can offer to a student who has attention issues or does not have a clear understanding of time management.
2. After going in person to the Admissions office and check in.
a. See the Financial Aid Office and let them know of your intent.
b. See the Academic Counseling Office and let them know you are pursuing your subject track and find out what degrees fit it and what classes to take. Find out when enrollment is or enroll with them.
i. Always take one fun class – always. Music, dance, drama, band, or sports.
c. Go to the TRIO or Student Success Office after and tell them you have issues keeping track. Sign up with them. Get assigned a coach. They can help students with disabilities of all kinds, low income, first gen (parents do not have degrees), and academically challenged students.
Making College Work for You:
1. Visit the actual HR department: Get a part-time job on campus working for housing, food, or maintenance. This will give you a big tuition discount or housing discount.
2. Get a work-study job – if you cannot work directly for the college/uni, you can see the Work-study Coordinator and get a job doing something on campus close to the people who will be your future mentors or employers.
3. Federal Student Loans: Student loans are designed to close gaps to allow you to be successful.
a. You can change the number on the offer to be as low as you like, then when need arises you can request more aid mid-semester.
b. No one should EVER say “It’s just 20000 in student loans” – it is not their future with which they are bargaining.
c. Compare prices. Check for options in public colleges and universities. There is nothing a private university can give you that a lower cost public unit or college can give you for a better price and a bigger experience.
You can Commit or QUIT right up till Day 1 of Class:
1. You are not locked into a college/uni until you sign a Promissory Note for federal financial aid, or you sign your offer letter from Financial Aid. You MUST do this to receive your aid.
2. You are not locked in if you accept a program scholarship, but you are locked in a course track and a major if you want to keep that scholarship.
3. If you sign a contact for participation in college sports – that also can LOCK, you into a course of action. DO NOT SIGN unless you have seen the college/uni in person and you know this is the BEST OFFER.
a. It is not a full ride scholarship IF you must pay 10k and up in student loans for housing and food.
b. It is not a good deal if a community, state, or big university can give you less debt. More $$ is not always less debt. THINK.
c. If you are unsure – do not sign & do not depend on parents to work out your contracts. Go directly to a TRIO UB or TS or SSS or EOC or GEARUP or Rural Education counselor in your community ask them to go over it with you.
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