Monday, April 14, 2014

Scholarship Options for Low-Income Mothers

Being a mother can be incredibly difficult as many women are required to put their lives on hold in order to sufficiently raise their child.  With that being said, it is imperative for every individual to earn a reasonable educational experience, whether they are a parent or not.  With the use of scholarships that are specifically designed for low-income mothers, women are provided with the opportunity to attend a post-secondary educational institution without having to force themselves into debt.  Scholarships can be incredibly useful for those in tough financial positions and if you are a mother who is currently researching her options pertaining to financial assistance for school, below are scholarship options that could help you.
Jeanette Rankin Women’s Scholarship Fund
For women over the age of 35 and who have had to put their upper education on hold becasue they wanted to raise their families, the Jeanette Rankin Women’s Scholarship Fund may be able to assist you with paying for your post-secondary schooling.  For women who are interested in pursuing a vocational or technical education, an associate’s degree or a bachelor’s degree, this program could provide you with the financial assistance that you desire.  There are different requirements that applicants will have to meet including having a U.S. citizenship and being eligible for low-income.
Patsy Takemoto Mink Education Foundation
This particular scholarship can be beneficial for both teenage mothers and mothers who are above the age of 18.  The Patsy Takemoto Mink Education Foundation provides up to $2000.00 to low-income mothers who are the ages of 17 and up in order to assist them to pay for their training or formal education.  The program is mostly aimed towards single mothers who are considered to be low-income.

Emerge Scholarships, Inc.
If you have the drive to become an amazing student and if you refuse to let any obstacles keep you from achieving your educational goals, you may be eligible for the Emerge Scholarships, Inc. scholarship for low-income women.  This program is designed to provide women with funds ranging from $2000.00 and $5000.00 on an annual basis to assist them with paying for their post-secondary schooling.  The amount of applicants for this specific scholarship is immense due to the fact that women from all over the United States can apply and the scholarship is only awarded for 7 women.
State Specific Scholarships
If you are unable to qualify for any of the above scholarships or if you wish to find a program that is closer to home, you may want to consider the scholarships that are offered by your state.  Another added benefit of state specific scholarships is that you will be competing with a smaller pool of applicants, as other women from other states will be unable to submit their applications, thus increasing your chances of being awarded the money.  You can conduct an abundance of research by using government websites to determine if there are any state specific scholarships offered for low-income mothers offered in your general area.

Qualifying for Low Income Senior Housing

Without a sufficient amount of retirement savings, being able to survive in the world without an income can be incredibly difficult, especially for seniors.  Whether you wish to assert your independence in the world after retiring, or if you do not have family members who are readily available to provide you with housing, you may be able to qualify for low income senior housing.  There are several different options open to seniors with little to no income, but determining whether you qualify will help you to find the perfect property.

What is Low Income Senior Housing?

In order to help senior citizens afford to have their own residence, The Department of Housing and Urban Development created a program titled Section 202: Supporting Housing for the Elderly.  The housing projects included in this program pertain to rebuilding apartments or building apartments that allow senior tenants to only pay 30% of their total income towards rent.  Another eligibility requirement is that one member of the household must be at least 62 years of age or holder and the family must be an extremely low income family.  In order to be considered low income, you must make 50% or less of the area’s average income.

Step 1: Pass the Tenant Screening

The first step to becoming eligible for low income senior housing is to pass the tenant screen process.  All tenants of low income housing must pass this screening which includes providing references to the Housing Authority.  It is imperative that you provide references as the organization will want to ensure that you will not be detrimental to the area and other tenants.
Step 2: Determine Which Programs You Are Eligible For

The next step is to search through the different programs that are offered by your local Housing Authority.  Depending on the income limits in your area, you may be eligible to apply for certain housing programs whereas your annual income may make you ineligible for certain programs.  Prior to applying, ensure that you meet all of the requirements and that you are not overqualified.

Step 3: Provide Resident Information to the Housing Authority

Prior to gaining acceptance for a low income senior housing program, you will need to provide a small amount of personal information to the Housing Authority.  You will need to divulge information about yourself and the other individuals who will be living with you.  Some of the required information includes:

·         Name
·         Current Address
·         Sex
·         Date of Birth

Once you have given this information, the Housing Authority will do background research to determine whether you are eligible for the property or not.

Low income senior housing can be quite advantageous for many individuals who would otherwise be unable to afford their own apartment or home.  With the opportunity to qualify for local programs, low income seniors are able to afford their own residence without having to rely on friends or family members.  With the use of the above steps, seniors are able to qualify for lowincome properties that are offered by local governments.