Start here: which guide fits your situation?
Pick the line that sounds most like you. Each opens a full step-by-step guide.
Step-by-step guides in this topic
Each guide answers one specific question in depth.
Programmes we point you to
Every one of these is free to apply for, and you apply directly. We are not affiliated with any of them and earn nothing from them.
FAFSA and federal grants
American Job Centers (WIOA)
Registered apprenticeships
Job Corps
Community college and state grants
What to have ready
- Social Security number
- Last year's tax return and W-2s - yours, and a parent's if you are a dependent student
- Records of untaxed income, such as benefits
- Bank statements and investment records, if you have them
- Your FSA ID for signing the FAFSA electronically
- A layoff notice, if you have one - it unlocks dislocated worker funding
Missing something on this list is rarely a reason not to start. Most offices will open a case and let you bring the rest afterwards — but the application date is what counts, so start now.
What people miss
The parts that are true, rarely explained, and change the outcome.
File the FAFSA even if you think you earn too much
There is no income cut-off for filing, and most state and institutional aid requires it regardless. Not filing is how people miss aid they would have received.
Being laid off unlocks a separate pot of money
Dislocated worker funding sits alongside ordinary training funds and is specifically for people who lost a job. Bring the layoff notice to the job centre.
Training is often paid for outright
People assume the job centre only hands out leaflets. It also funds certificate courses in healthcare, trades and logistics, with the bill going straight to the training provider.
Apprenticeships pay from day one
They are the opposite of tuition debt: a wage, structured training, and a credential employers recognise.
Never pay to file the FAFSA
The first F stands for free. Any site charging for it is reselling something the government provides at no cost.
Training money is often sitting unused
American Job Centers in every state can pay for certificate training in in-demand fields, and being laid off unlocks a separate dislocated worker fund. Many people never ask, assuming the job centre only offers job listings.