Start by completing the FAFSA to access federal grants, work-study and loans for eligible programs. Then look for scholarships, state aid, workforce training funds through your local American Job Center, employer tuition assistance, veterans’ benefits and paid apprenticeships. Use grants and earn-while-you-learn options before borrowing.
1. Complete the FAFSA
The Free Application for Federal Student Aid (FAFSA) at StudentAid.gov is the gateway to federal grants, work-study and federal student loans for eligible schools and programs. Many states and colleges also use it to award their own aid. Complete it as early as possible each year. Some aid is first-come, first-served.
2. Grants: money you don’t repay
- Federal Pell Grant for students with financial need at eligible schools.
- State grants. Many states offer grants or free community college programs.
- School grants offered by colleges based on need or merit.
3. Scholarships
Search local sources first: community foundations, employers, unions, churches and civic clubs. Local scholarships often have fewer applicants. Trade associations also fund scholarships for skilled trades.
4. Workforce training funds (WIOA)
The Workforce Innovation and Opportunity Act funds job training for eligible adults, dislocated workers and youth through local American Job Centers. Funds typically cover approved training programs in in-demand occupations. Visit a local center to ask about eligibility.
5. Employer tuition assistance
Many employers pay for job-related training or degrees, especially in healthcare, logistics, manufacturing and utilities. Some hire you first and train you, for example, as a CNA, pharmacy technician trainee or apprentice.
6. Veterans’ benefits
The GI Bill and other VA education benefits can cover college, trade school, apprenticeships and on-the-job training. Check eligibility with the U.S. Department of Veterans Affairs.
7. Earn while you learn
Apprenticeships and paid trainee roles let you build skills while earning wages, often with little or no tuition. See our apprenticeships guide.
8. Borrow carefully
If you need loans, use federal student loans before private loans: they typically offer fixed rates and more flexible repayment options. Borrow only what you need and estimate your payment against the starting salary for your target career using our salary guide.
Frequently asked questions
Does trade school qualify for financial aid?
Many accredited trade and technical programs qualify for federal aid. Check that the school participates in federal student aid programs.
Is the FAFSA only for college?
It’s for eligible postsecondary programs, which include many community college and vocational programs, not just four-year universities.
Keep reading
College vs. Trade School: How to Decide
Compare four-year college, community college, trade school and apprenticeships on cost, time, pay and career options, and use a simple framework to decide which path fits you.
Is Community College Worth It? A Practical Guide
How community college works, what it costs, certificates vs. associate degrees, transferring to a university and how to decide if community college is right for you.
Budgeting for a Career Change
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Apprenticeships: How Paid On-the-Job Training Works
What a registered apprenticeship is, how pay and training work, which careers offer apprenticeships, how to find and apply to one and how to prepare for the entrance test.