Learning never stops, no matter your age. If you’re over 60, there are hidden financial resources to help you return to school.

We’ve got the inside scoop on how you can tap into college money that’s waiting for you!


The landscape of financial aid for senior citizens is rich and varied, encompassing grants, scholarships, and tuition waivers from federal and state governments, educational institutions, private organizations, and foundations.

Unlike loans, these funds do not need to be repaid, making them an ideal way to finance your education.

Federal and State Grants: Age is just a number​

When it comes to federal and state grants, age discrimination is off the table. Programs like the Federal Pell Grant are accessible to students of all ages, including seniors.

To tap into these resources, you'll need to:

• Complete the FAFSA application (Free Application for Federal Student Aid)
• Demonstrate financial need
• Enroll in an accredited college at least on a half-time basis

Filing the FAFSA is your golden ticket to discovering all the federal and state grants available to you as an older, non-traditional student.

Specialized Scholarships: Tailored for your unique journey​

There's a wealth of scholarships out there that cater specifically to senior citizens.

For instance:

• The Jeanette Rankin Foundation Women's Education Fund assists women over 35 who are pursuing their first degree and meet certain income guidelines.
• Alpha Sigma Lambda awards $3,500 scholarships to adult learners working toward an undergraduate degree.
• The Adult Students in Scholastic Transition Grant from Executive Women International is exclusively for women.

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Tuition Waivers and Discounts: The perks of experience​

Many public universities and colleges across the United States offer tuition waivers or discounts for senior citizens.

While some institutions may limit the number of tuition-free courses per semester, others provide significant discounts.

The following states offer tuition waivers for senior citizens attending public universities or colleges (be sure to check with your school for specific waivers and discounts available):

• Vermont
• New Hampshire
• Connecticut
• New Jersey
• Maryland
• Virginia
• Florida
• Illinois
• Minnesota
• Montana
• Alaska

Auditing classes: Learn for the love of it​

For those who are more interested in the joy of learning than in obtaining a degree, auditing classes can be a cost-effective option.

Many colleges allow seniors to audit courses for free or at a discounted rate, enabling you to indulge in your intellectual curiosities without the financial burden.

Strategies to minimize college expenses​

Beyond seeking financial aid, there are practical ways to reduce the costs associated with returning to school:

• Opt for used textbooks, shop online, or borrow from the library.
• Consider a part-time job at the college for potential tuition reduction.
• Explore online classes to save on commuting costs.
• Check out resources like “501 Ways for Adult Students to Pay for College” by Kelly and Gene Tanabe.
• Ask your employer about tuition reimbursement programs.
• Look for scholarships that cover expenses beyond tuition, such as cafeteria meals.
• Take advantage of tax credits for secondary education.
• Avoid student loans to prevent debt.
• Choose a more affordable public college over a private university.

Your next steps: How to access these funds​

If you're ready to embark on this exciting academic adventure, start by contacting the financial aid office of the college you wish to attend.

Inquire about scholarships, grants, and tuition waivers for senior citizens. Don't forget to ask about any private funding sources they may offer.

Remember, your age is an asset, not a barrier. With the right information and a bit of determination, the halls of academia are wide open, waiting for you to step through.

So, don't let financial concerns hold you back from pursuing your educational aspirations.

There's a wealth of college money out there for senior citizens—grab your share and let the learning begin!
Have you or someone you know successfully navigated the world of college funding as a senior? Do you have tips or questions about continuing education later in life? Share your insights and inquiries in the comments below.