Financial Aid for First-Generation College Students: How to Find Grants, Scholarships, and Support

The journey to higher education presents unique hurdles for first-generation college students. Beyond the demanding process of selecting a school, submitting applications, and handling tuition payments, they often face additional challenges, particularly financial obstacles that can make affording college seem insurmountable.

The good news is that financial barriers don’t have to stop you. With financial aid and scholarships, many schools that once seemed out of reach can become realistic options. The essential step is understanding and identifying the right financial resources tailored to your specific needs.

Over the last 75 years, UNCF has helped more than half a million students earn college degrees.

Maximizing University Financial Aid

Your first chance at financial support often arrives with your university acceptance letter. Nearly all colleges offer a combination of need-based and merit-based aid. Immediately contact the Financial Aid Office or an Admissions Counselor at your top schools. Ask specifically what aid they provide and how much you can qualify for.

Seeking Outside Resources

Even with institutional aid, the cost might still be too high. That’s why it’s critical to look beyond the university for assistance.

• Government Grants: Make sure to search for and apply for federal and state grants (which don’t have to be repaid).
• Independent Scholarships: Apply for scholarships offered by external providers, such as foundations, corporations, and community groups.

Key Financial Aid Resources

UNCF: A Proven Pathway to College Success

For many low-income, first-generation students, scholarships are the essential ingredient for college success — and UNCF is a leading force in providing that support.

As the nation’s largest private scholarship provider to minority group members, UNCF helps students not only with its own awards but also by providing access to federal grants and opportunities from hundreds of other organizations.

UNCF awards more than $100 million in scholarships annually to over 10,000 students across more than 1,100 institutions nationwide. Over the last 75 years, UNCF has helped more than half a million students earn their college degrees.

We strongly encourage first-generation students to explore the 37 Historically Black Colleges and Universities (HBCUs) that UNCF directly supports.

These institutions, in particular, have a proven track record of excelling at retaining and graduating first-generation, low-income students, creating a supportive and empowering environment critical for student persistence.

Visit UNCF Opportunities to learn about UNCF scholarships, programs, Internships, and fellowships. UNCF’s website provides detailed instructions about applying for scholarships and grants, as well as other tips.

Common US Federal Grants

Federal Pell Grant

The federal government is the largest source of financial aid in the US and offers several grants that do not require repayment. Grants.gov lists all federal grants. The first step for all federal aid is submitting the Free Application for Federal Student Aid (FAFSA®).

The Federal Pell Grant is open to undergraduate students with exceptional financial need. Your FAFSA results determine your eligibility. Award amounts can change yearly, but the maximum Federal Pell Grant award for the 2025/2026 award year is $7,395.

Federal Supplemental Educational Opportunity Grant 

 

A Federal Supplemental Educational Opportunity Grant (FSEOG) is a grant for undergraduate students with exceptional financial need. Each participating school’s financial aid office administers the FSEOG program directly. Not all schools participate. Check with your school’s financial aid office to find out if the school offers the FSEOG.

Award amounts can be between $100 and $4,000 a year, depending on your financial need, as well as when you apply, the amount of other aid you get, and the availability of funds at your school.

Teacher Education Assistance for College and Higher Education Grant Program 

The Teacher Education Assistance for College and Higher Education (TEACH) Grant Program provides grant funds (up to $4,000 annually) to students enrolled in an eligible program at a participating school.

However, the TEACH Grant is unique because it is a conditional grant that carries a strict service obligation.

Your Future Starts Now: Take the Next Step

The path to becoming a first-generation college student is one defined by courage and determination. Financial challenges are simply the next problem to solve, not a wall to stop you. Remember that aid is available from multiple avenues: your potential university, the federal government (via the FAFSA®), and powerful external resources like UNCF. 

Your key takeaway is this: take proactive steps now. Complete your FAFSA, contact the financial aid offices at your top schools, and dedicate time to searching for external scholarships. With diligent effort and the right financial resources, you can transform the dream of a college degree into a proud reality.