Many students wonder if financial aid is available for GED classes or college. The answer is yes, but it comes with specific conditions. Obtaining financial aid for GED classes and college can be challenging, but there are several options.
Federal student loans usually require a high school diploma or GED for eligibility; however, alternatives exist for those working towards their GED. Additionally, some schools provide free GED classes and testing, helping to reduce costs.
How Much Does GED Cost?
The cost of obtaining a GED credential varies by state and includes several components. The primary expense is the GED test itself, which consists of four subject areas: reasoning through language arts, mathematical reasoning, social studies, and science. Most states charge between $36 to $50 per subject test, or $144 to $200 for all four tests combined.
Keep in mind that online testing is more expensive because you’ll need to pass four GED Ready tests with qualifying scores to be eligible for the online GED exam. However, some states offer significant discounts or even free testing. For example, you can take the GED in New York for free if you are a resident.
In addition to the test fees, prospective GED candidates should consider the costs associated with preparation. Self-study materials such as study guides, prep books, practice tests, and flashcards can range from free to $400 or more.
For those seeking more structured learning, online or in-person prep courses typically cost between $30 to $300 per course, with some comprehensive programs reaching up to $800. Private tutoring is another option, with rates averaging $20 to $50 per hour.
It’s important to note that some states offer additional resources to help offset costs. For instance, to take the GED in California, you must pay $41 per subject for testing at a center. Some states also provide financial aid or vouchers for eligible candidates.
When budgeting for the GED, individuals should factor in not only the test fees but also preparation costs and any potential retake fees.
GED Classes
GED classes are designed to prepare students for the GED exam, which tests proficiency in math, language arts, science, and social studies.
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In-Person vs. Online GED Classes
GED classes can be taken either in-person or online. In-person GED classes require students to attend classes at a designated location and follow a set schedule. This format may be challenging for students with work or family obligations, as they need to commute to the class location. Online GED classes, on the other hand, offer more flexibility.
Many online programs allow students to access course materials and complete assignments at their own pace. This can be beneficial for students who have busy schedules or prefer to learn independently.
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Online GED Classes
Online GED classes typically provide a range of resources to support student learning, including video lessons, practice questions, and feedback from instructors. Prepsaret, an online GED study website, offers access to premium online GED study guides and practice test questions.
These additional resources can be invaluable for students looking to thoroughly prepare for the GED exam. The practice tests, in particular, allow students to assess their progress and identify areas that may need more attention. Additionally, the online GED test prep notes provide a comprehensive review of the key concepts covered in each subject area.
The availability of these premium resources is a significant advantage of many online GED class programs. Online GED classes are becoming increasingly popular due to their flexibility and convenience. Students can attend classes from the comfort of their own homes and work at their own pace, making it easier to balance their studies with other commitments.
Online classes typically utilize an online learning platform, to deliver course materials and facilitate learning.
- The flexibility of online GED classes can be particularly beneficial for students who have difficulty attending in-person classes due to work, family, or other commitments
- Online classes may provide more opportunities for individualized support and self-paced learning, which can be helpful for students who need extra time or assistance in certain subject areas
- However, students who prefer the interaction and immediate feedback of in-person instruction may find online classes less suitable for their learning style
Cost and Accessibility of Online GED Classes
The cost of online GED classes can vary, but they often include expenses like tuition fees, access to study materials, and the need for a reliable internet connection. However, the flexibility and convenience of online learning can make GED preparation more accessible for students who may have difficulty attending in-person classes due to work, family, or other commitments.
The ability to access premium study resources and practice tests from the comfort of one’s own home can be a game-changer for students who are balancing multiple responsibilities while working towards their GED. Begin your GED preparation with our free online GED classes, featuring access to many premium practice tests from Prepsaret at an affordable rate.
If you prefer this online learning approach, we recommend progressing to our comprehensive online GED course for a swift path to earning your GED. If you’re unsure about passing the GED test, consider taking the GED Ready test, a diagnostic tool that assesses your readiness.
Scoring in the Green Zone on the GED Ready Test indicates you’re prepared to take the real exam. The GED Ready test costs $6.99 per subject, totaling $28 for all four subjects. Prepare for the test independently with an online GED prep course or attend traditional classes offered by community colleges or local libraries, often free of charge in many states.
Typically, plan for 1.5-2 months of intensive study per GED subtest, although some test-takers may require less time.
Can You Get Financial Aid with a GED?
Yes, you can get financial aid with a GED. GED students are eligible for the same federal financial aid as traditional high school graduates, including grants, loans, and work-study programs. If you haven’t earned your GED certificate and need financial assistance, your healthcare insurance provider may offer free GED testing.
Additionally, some states provide free or partially subsidized GED tests. To find out if you qualify for GED financial assistance, check your state government’s official website. You must complete the Free Application for Federal Student Aid (FAFSA) and meet other eligibility requirements such as demonstrating financial need.
Some colleges and universities may also offer scholarships specifically for GED students. While the process may be slightly different, GED students have access to a variety of financial aid options to help fund their college education. There are several forms of financial aid available to GED students, including:
- Federal Grant Programs: GED students are eligible for federal grant programs such as the Pell Grant, which provides need-based financial assistance to undergraduate students. The amount of the Pell Grant award is determined by the student’s expected family contribution (EFC) and the cost of attendance at their chosen institution. Other federal grant programs like the Federal Supplemental Educational Opportunity Grant (FSEOG) and the Iraq and Afghanistan Service Grant may also be available to GED students who meet the eligibility criteria.
- Federal Loan Programs: In addition to grants, GED students can access federal student loan programs, including the Direct Subsidized Loan, Direct Unsubsidized Loan, and Direct PLUS Loan. These low-interest loans can help cover the cost of tuition, fees, books, and other educational expenses. GED students must complete the FAFSA to determine their eligibility and loan amounts.
- Scholarships: Many colleges, universities, and private organizations offer scholarships specifically for GED students. These scholarships can provide significant financial assistance to help cover the cost of higher education. GED students should research and apply for any relevant scholarship opportunities to maximize their chances of receiving additional funding.
- Financial Aid for Veterans: If a GED student has served in the military, they may be eligible for additional financial aid through programs like the GI Bill or the Survivors’ and Dependents’ Educational Assistance (DEA) program. These benefits can help cover tuition, fees, and other educational expenses for veterans and their dependents.
- Tuition Reimbursement Incentive Program: Some employers offer tuition reimbursement or incentive programs to encourage their employees to pursue higher education, including GED completion. GED students should check with their employer to see if they offer any such programs that could help offset the cost of their educational pursuits.
How to Get Loans for GED Classes and Colleges
Many students lack the financial means to pay tuition out of pocket, especially when studying full-time and not working. Student loans can make it possible to earn your GED and college degree. These students often face complex challenges such as single parenthood, transportation issues, difficult relationships, or emotional struggles including substance abuse.
These obstacles can hinder their pursuit of earning a GED credential, advancing their education, and launching a successful career. It’s important to explore multiple loan options to make an informed decision when selecting a student loan. The federal government offers financial aid opportunities to eligible students attending accredited post-secondary institutions.
These include Stafford Loans for students, PLUS Loans for parents and graduate/professional students, and Consolidation Loans.
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Free Application for Federal Student Aid (FAFSA)
Direct Stafford Loans are categorized into subsidized and unsubsidized types. Subsidized loans require a demonstration of financial need, whereas unsubsidized loans are available to all eligible students regardless of their family’s financial circumstances.
To determine eligibility for either type of loan, you must complete a FAFSA annually. The amount you can borrow each academic year depends on your grade level and whether you are classified as a dependent or independent student.
The FAFSA is available to all students, regardless of whether they hold a high school diploma or GED. The FAFSA is the primary application for federal student aid, including grants, loans, and work-study programs, and it is not limited to only those with a GED.
In fact, the FAFSA is a crucial step for any student seeking financial assistance for college or career/trade school, as it unlocks access to a wide range of aid opportunities beyond just federal programs. Completing the FAFSA allows students to be considered for federal grants like the Pell Grant, as well as federal student loans and work-study funds.
Many states and colleges also use FAFSA information to award their own financial aid. Eligibility for federal student aid is based on financial need and other factors, such as U.S. citizenship, enrollment in an eligible program, and satisfactory academic progress.
There is no income cut-off for federal aid – the FAFSA uses a complex formula to determine a student’s expected family contribution. All students are encouraged to complete the FAFSA, as many will qualify for some form of aid.
In addition to federal aid through the FAFSA, students have other options for tuition support, including state financial aid programs, scholarships from the college they plan to attend, and private scholarships. Students should research all of these possibilities to maximize their financial aid package. T
he key is for students to complete the FAFSA as early as possible, as there are deadlines for federal, state, and institutional aid. By submitting the FAFSA, students open themselves up to the widest range of tuition assistance opportunities, regardless of whether they have a high school diploma or GED.
The FAFSA is available to all students, including those who have completed high school through homeschooling or other alternative means. While some healthcare insurance providers may offer free GED testing or support programs for their members, this is separate from the FAFSA and federal student aid eligibility.
The FAFSA is available to all students, regardless of their high school completion status. In addition to federal aid through the FAFSA, students have other options for tuition support, including state financial aid programs, scholarships from the college they plan to attend, and private scholarships.
Students should research all of these possibilities to maximize their financial aid package. The key is for students to complete the FAFSA as early as possible, as there are deadlines for federal, state, and institutional aid.
By submitting the FAFSA, students open themselves up to the widest range of tuition assistance opportunities, regardless of whether they have a high school diploma or GED.
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GEDWorks Program
The GEDWorks program, offered by GED Testing Service, is designed to help employees earn their GED credential while remaining in their jobs. The program provides a comprehensive suite of resources and support to participants, making it easier for working adults to achieve their educational goals.
One of the key benefits of GEDWorks is the personalized attention each participant receives. Every student is assigned a personal advisor who acts as a coach, motivator, and accountability partner throughout the process. These advisors provide guidance, answer questions, and help participants stay on track with their studies.
In addition to the support of an advisor, GEDWorks participants have access to a wide range of study materials, including online tools, practice tests, and connections to local adult education programs. Several major companies have partnered with the GEDWorks program to help their employees earn a GED credential at no cost. Some notable examples include:
- Taco Bell, KFC, and Pizza Hut
- Texas Department of Transportation
- Sheetz
- Benchmark Electronics
- UGN
- Southeastern Grocers (Winn-Dixie, BI-LO, Harvey’s, Fresco y Más)
- Bell’s Brewery, which employs over 550 people across 39 states
- EPI Breads, a large-scale bakery with locations in Georgia, Texas and Michigan
- Total Wine & More, the country’s largest independent retailer of fine wine
- Douglas Dynamics, a manufacturer of commercial work truck attachments and equipment
- Flagger Force, a traffic control services company
The program offers custom study plans tailored to each individual’s needs and learning style, ensuring that everyone has the resources they need to succeed. Another advantage of GEDWorks is the flexibility it offers. Participants can complete their studies at their own pace, working around their work and personal commitments.
The program also provides exam vouchers, allowing students to take the GED test as many times as necessary without incurring additional costs. The GEDWorks program has been highly successful, with participants being 40% more likely to pass the GED than students who study on their own.
By offering this benefit, employers can boost company culture, retention, and recruitment, while also contributing to the economic growth and well-being of their employees.
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Private Loans
While the FAFSA and federal student aid should be the primary focus for financing your GED preparation, private loans can serve as a supplementary option in some cases.
Federal student loans typically offer lower interest rates and more flexible repayment terms compared to private loans, so maximizing your eligibility for grants, scholarships, and federal loans should be the first step in funding your GED studies. The FAFSA is the gateway to this aid, so completing it early is crucial.
However, there may be situations where federal aid alone is not sufficient to cover the full cost of GED preparation classes, materials, and testing fees. In these cases, private student loans can help bridge the gap and ensure you have the resources needed to earn your credential.
Many banks, credit unions, and online lenders offer private student loans, and while the interest rates and terms may not be as favorable as federal loans, private loans are generally a better option than relying solely on credit cards or other high-interest financing.
It’s important to shop around and compare offers from multiple lenders to find the most favorable rates and repayment plans. When taking out private loans, it’s essential to borrow only what you need and have a clear plan for repayment. The goal should be to minimize debt and avoid overburdening yourself financially.
Speak with a financial aid advisor to ensure you are making informed decisions about your financing options.
How Your State Can Help with GED Financial Aid
- State Grant and Scholarship Programs: Many states offer their own grant and scholarship programs specifically for GED students. These state-level financial aid options can provide valuable supplemental funding to help cover the costs of pursuing a GED and continuing on to higher education. For example, some states offer GED completion grants or scholarships for GED graduates to use towards college tuition and expenses. Be sure to research the financial aid opportunities available in your state.
- Tuition Assistance and Reimbursement: Some states provide tuition assistance or reimbursement programs for individuals working towards their GED. These programs can help offset the costs of GED preparation classes and testing fees. Additionally, certain states may offer tuition waivers or discounts at public colleges and universities for GED graduates, making it more affordable to transition into a postsecondary program.
- Career and Technical Education (CTE) Funding: Many states allocate funding for Career and Technical Education (CTE) programs, which can include GED preparation courses. GED students may be able to access CTE-related financial assistance to help pay for the educational resources and training needed to successfully earn their GED credential.
- Workforce Development Initiatives: State workforce development agencies often have programs and funding available to support adult learners, including those working towards a GED. These initiatives may provide scholarships, grants, or other financial aid to help GED students gain the skills and credentials needed to secure better employment opportunities.
FAQs
Can FAFSA be used for GED?
Yes, GED holders can use the Free Application for Federal Student Aid (FAFSA) to apply for financial aid for higher education. As a GED holder, you can apply to community colleges, technical schools, and universities and use the FAFSA to determine your eligibility for federal grants, scholarships, and loans to help pay for your education.
The FAFSA is the primary form used to determine eligibility for federal financial aid, and many states and colleges also use it to determine eligibility for state and institutional aid. By completing the FAFSA, GED holders can access the financial resources needed to pursue higher education and advance their career opportunities.
What is the Highest Income to Qualify for Financial Aid?
To qualify for federal financial aid with a GED, there is no specific income limit. However, the key requirements are:
- Having a GED certificate or equivalent
- Being a U.S. citizen or eligible noncitizen with a valid Social Security number
- Enrolling in an eligible degree or certificate program
- Maintaining satisfactory academic progress
- Not being in default on federal student loans or owing money on a federal grant
The amount of financial aid you receive is based on your expected family contribution (EFC) or Student Aid Index (SAI), which calculates how much your family can reasonably afford to pay for college. Even if you don’t think you’ll need assistance, it’s recommended to fill out the FAFSA every year in case your financial situation changes
Is the GED Ready Practice Test Free?
The GED Ready practice test costs $6.99 per subject or $22.99 for all four subjects. Individuals can purchase GED Ready practice test vouchers in bulk if they need to provide the tests to multiple students. The practice tests can be taken online through the GED.com website using a computer or laptop.
What Disqualifies You from Getting Financial Aid?
There are several factors that can disqualify you from receiving federal financial aid, including:
- Not having a high school diploma, GED, or equivalent
- Not being a U.S. citizen or eligible noncitizen
- Not maintaining satisfactory academic progress in your degree program
- Defaulting on a federal student loan or grant
- Certain criminal convictions, especially drug offenses and incarceration
- Not completing the Free Application for Federal Student Aid (FAFSA) each year you are enrolled
- Having an expired eligible noncitizen status
To regain eligibility, you may need to rehabilitate defaulted loans, reinstate your eligible noncitizen status, appeal unsatisfactory academic progress, or complete the FAFSA annually.
How Much Does Online GED Classes Cost?
Our online GED classes are very affordable and accessible, even for those on a tight budget. This low monthly fee provides you with unlimited practice tests, interactive lessons, and personalized study plans to ensure you are fully prepared for the GED exam.
With our flexible online format, you can learn at your own pace and on your own schedule, making it easy to fit GED prep into your busy life. Don’t let cost be a barrier to achieving your educational goals – our online GED classes are designed to be budget-friendly so that everyone has the opportunity to earn their high school equivalency credential.
Who Qualifies for Federal Student Loans?
To qualify for federal student loans, you must be a U.S. citizen or eligible non-citizen with a valid Social Security number, be enrolled at least half-time in an eligible degree or certificate program, maintain satisfactory academic progress, and not be in default on any previous federal student loans or owe a refund on a federal grant.
There is no specific income limit to qualify for federal student loans, as eligibility is based on financial need as determined by the FAFSA. As long as you meet these basic criteria, you can apply for and receive federal student loans to help finance your education, regardless of your family’s income level.