First have a college that you would like to attend.
Find out the designator (Should be a 5 digit number for that University of College)
Apply to that college using whatever application that particular college requires.
Fill out an application for a Pell Grant (Something you don't have to pay back and usually you have to apply for a pell grant before your even eligible to get a student loan). I think you can fill out or have up to 5 colleges in mind on the Pell Grant submission and give them all 5 codes so you don't have to be dead positive about which university your going to be attending, you just have to have it narrowed down. You can fill it out online, you will need to have done the following things.
1. Get accepted at those Universities
2. Have the College Designators
3. Have a copy of your tax return.
You can apply online here:
http://www.fafsa.ed.gov/You can do all of the above right now because you want to apply as early as possible for a Pell Grant, usually on your initial submission it will take roughly 4-6 months before they give the University the money.
Once you have applied you have to wait until you get an answer (I think) talk to that Universities "Financial Aid" Office. But once you have an answer, you can apply for student loans, most student loans require you to have already submitted your pell grant application. There are unsubsidized and subsidized student loans, the difference is this:
SubsidizedYou won't be charged any interest before you begin repayment or during deferment periods. The federal government "subsidizes" the interest during these periods.
With unsubsidized your charged the interest on the loan which gets built back into the loan during your deferrment period (The time your in school not paying on the loan)
However, all of the loans are really low interest but you can shop around for the best student loans.
The Best Part, you can get ALL THREE
Example
Semester 1
2,000 Pell Grant .... 2,000 Subsidized Loan.... 1,000 Unsubsidized Loan
Total applied for Semester 1: 5,000
You also get to keep any of the money that wasn't spent on University fees and tuition! The University sends you a check!
Then, after you have all of that locked down. Check with the University about different University scholarships (Presidential, Honors, etc...these are University Level Scholarships). Then check with your college department (For instance if your going to be an education major check with the department that runs that major) and see what sort of scholarships are out there for that major, generally the department will have a list.
Had I known now, what I knew then, I wouldn't have gone in to the Navy in the first place. You don't *need* the Montgomery G.I. Bill. It's nice to have certainly, but it isn't essential because the money from the loans and pell grant is capped, and they include the GI Bill.
So if you were getting the G.I. Bill your pell grant would figure that money in to the equation and you would get much less from the Pell Grant.
Also go to Fastweb and fill out all the data, it's like 9 pages of info, but it will help match you up with national and state scholarships that you are eligible for. The website is:
http://www.fastweb.com/Even if you aren't immediately eligible for a lot of scholarships, after your 1st or 2nd semester, do really well those semesters and sort of 'prove' your ability to make good grades and a lot of additional scholarships opportunities will open up.
I hope I helped.
Jessica
edited for grammer.