Project Working Mom

Do mom skills apply to college?

Parents headed back to school may fear they won’t have what it takes to be successful students. But likely,many of the skills you use every day as a parent could help you navigate your college program – like multitasking,juggling multiple obligations and scheduling conflicts,staying organized,and ignoring distractions in order to focus on the task at hand. Likely,parenthood has taught you a thing or two about responsibility,and that could be an advantage many younger college freshmen don’t have. Hopefully,you’ve also learned to ask for help when you need it. Seeking assistance from professors and making use of college resources is an important part of being a student,and that just might be second nature for parents used to speaking up on behalf of their children.

Finally,working parents may have a lot at stake when they pursue a college degree. They may be likely willing to work harder than they thought possible to achieve a better life for not just themselves,but their kids as well. If that sounds like you,consider some of the resources that may be available to help working parents purse a college education. You might be surprised at what you’re capable of!

  • Today’s Working Mothers

    You don’t need to be a mother to know that moms are capable of some pretty fantastic and seemingly unbelievable feats. Over the last century,a mother’s role of being designated to the home has evolved to incorporate working women into the world. 

  • Guide to Researching Scholarships for Moms

    Looking for info on scholarships for moms? If you’re a working mom who wants to go back to school to earn your degree,paying for it can be a big concern. But don’t let that get in the way of pursuing your dreams! 

  • Organize your life

    We live in a busy society,and we’re constantly on the move. Organization is more than just an ideal to strive for;it’s a necessity. Whether your office is located in your home,your car,your company’s headquarters,or all of the above,you can apply these simple rules and achieve an organized environment.

  • Single mom

    Single parents must juggle the challenged of earning a living,spending quality time with their children,and managing their household. Add it to the stress of trying to attend a college,even part-time and online,and it is easy to see how single parents can feel overwhelmed by all of their responsibilities.

  • Stay-at-home moms are often concerned about re-entering the workforce. They may worry about the gaps in their resumes,the advances in technology,or the skills they are lacking. But many employers report...

  • There are many myths regarding working parents. While some of these myths portray parents as saints,willing to do anything and to give up everything for their spouses and children,the truth generally lies...

  • Mom doing Yoga

    But what happens when your stress levels remain at this heightened state for longer than necessary? When your stress levels are higher than normal for an extended period of time,the response no longer helps you. It can be damaging to your health.

  • Time is precious,especially when you are busy balancing work,family life,and adult education courses. Whether you are working towards an advanced degree,a certificate,or just taking some extra courses to help advance your career,it can be difficult to make time for your spouse,significant other,friends,or children.

  • To prioritize your tasks – call on an old fashioned technique called “the list.” But don’t stop with the common “to-do” list. These lists can become just as unwieldy and unhelpful as the chorus of beeps and dings emanating from your backpack. Create three lists:the to-do list,the to-do-later list,and the not-to-do list.

  • Your decisions affect your family. You wouldn't buy a car or plan a vacation without considering household logistics,and your education is even more important than those examples. That's why you need to get your family on board before you start an online degree program.  

  • moms have many roles

     You're a mom who wears many hats including going back to school. Instead of feeling frazzled by the demands of your numerous roles,try to revision them. The following bullets can help you minimize wasted time and undue stress.

  • It's difficult enough balancing kids with housework,so the thought of successfully pursuing an online degree may seem impossible. However...those beautiful bundles of joy you brought into the world can not only be helpful in your pursuit of an online education,but can also assist in your home's upkeep.

Okay,Moms,Fill in the blank:I'd like to go back to school,but I don't have enough _____.

 

Time

Between your kids’ needs and your work headaches,the last thing you need is another time commitment,right? Wrong! Education is the first thing you need. A college degree is the clearest route to self-fulfillment and financial security. Learn how online education can fit in to your busy schedule,and see how other working moms have achieved their educational goals.

Money

If you’re putting off college because it’s too expensive,you might be in for a long wait. College costs continue to rise,and you’re still shut out from the higher-paying career you deserve. Instead of waiting,apply for a Project Working Mom full-tuition scholarship,plus learn more about financial aid options &personal budgeting.

Confidence

Every day,you teach your kids to grow and explore. Now is your chance to teach by example. Don’t let fears and insecurities hold you back. Besides,online colleges and universities may provide comprehensive support services for their students – everything from academic advising to career counseling. You could be a good student and a good mom.

Scholarship Opportunties for Working Parents

$10,000 Scholarships 4 Moms

Balancing family,life and your career can be overwhelming:Enter for the chance to get the help you need to seize your future

Apply Now

$10,000 Scholarships 4 Dads

Balancing family,life and your career can be overwhelming:Get yourself the help you need to seize the future!

Apply Now

What is Project Working Mom?

Project Working Mom aims to support and inspire the educational goals of working mothers across America. Project Working Mom helps people find scholarships for working moms and scholarships for dads going back to school. This project has made it possible for busy working moms to find financial resources to assist in their goals of returning to school. Additionally,the project has helped moms identify which degree may be right for them in going back to school and how to apply for educational scholarships,financial aid,and grants.

Project Working Mom has successfully elevated the issue of adult students’ needs to the level of national discourse. Thanks to Project Working Mom’s many inroads,we’re confident that community leaders and organizations will continue to address the barriers – time,money and confidence – that separate working parents from the higher education opportunities they need.

Scholarships for Working Moms

To date,245 moms and dads received full-tuition scholarships for online degrees in their various fields. The awards granted through Project Working Mom are worth a combined total of 9 million dollars. And many of the recipients are already using their education to excel professionally.

If you’re among the millions of working moms or dads trying to support a family,you’ve probably given some thought to building a brighter future for yourself and your kids. If you’ve ever wondered how college could empower you to pursue new career goals,you might have heard of Project Working Mom. This program was created to help hardworking moms and dads pursue an education despite the many curveballs life can throw! Project Working Mom helped parents identify degree options that interested them,as well as possible financial resources to help make college a reality. Most importantly,Project Working Mom awarded 9 million dollars’ worth of full-tuition scholarships for online degrees to those who qualified,helping 245 moms and dads to pursue their college dreams.

Project Working Mom aims to help parents overcome the hurdles of higher education

In 2014,there were about 12 million single-parent families in the US,and more than 80% were headed by single mothers[i]. That means continued education for moms that work is particularly important! But many working moms and dads share similar roadblocks when it comes to going back to school. Some busy parents can’t find the time to attend classes in between a full-time job and taking care of the kids,housework,and other responsibilities. For moms and dads in this tough position,earning a college degree can seem impossible. Some may find that an online degree program offers a bit more flexibility and allows busy parents to complete coursework from anywhere with an internet connection – including at home after the kids are in bed! The option of online learning may be worth thinking about if a hectic schedule is getting in the way of your college goals.

Another major hurdle many single parents face is money. If you’re supporting kids and trying to make ends meet,it may be tough to imagine yourself affording college tuition. On the other hand,college may be a necessary step if you want to pursue a career that helps you pay the bills. Financial resources might be available to help those who qualify to make college a possibility. Consider looking into grants and scholarships for working moms,as well as federal and private financial aid and student loans that may be available to qualified individuals. You may also be able to use personal budgeting strategies in order to pay for college as you go.

While time and money are major reasons parents put off college,there’s a big,often-unspoken reason why moms and dads don’t go back to school:lack of confidence. Not believing in yourself can make college seem scary. You may worry that you won’t be able to handle your classes,or that you don’t have the strength to be both a student and a mom. Fortunately,many colleges have resources to help students like yourself – whether you need tutoring,academic advising,or career counseling. And while juggling student responsibilities along with parenting can be a challenge,many moms and dads jump at the chance to set a great example for their children.

Working parents who pursue their dreams

If you are a working parent planning to attend college,you’re not alone. In 2012,17% of children from single-parent households had a parent who had earned a bachelor’s degree or higher. For two-parent households,that number rose to 47%! [ii] Hopefully,more diverse educational opportunities for working parents will mean that even more moms and dads reach their goal of earning a college degree.

Sometime a little inspiration can help you picture yourself achieving your career dreams. Why not check out Working Mother Magazine’s 50 Most Powerful Moms of 2015? Among these influential moms is Nancy Dubuc,President and CEO of A&E Networks and a mother of two. She’s won multiple Emmys and is one of today’s most powerful women in business. Angelina Jolie also made the list for juggling her work as an actor,writer,producer,director,and UN Ambassador with perhaps her favorite role:mother to six children. Other famous working moms include Kerry Washington,Sara Blakely (the inventor of Spanx),Tory Burch,Beyoncé,and lots of others.[iii] Of course,these powerful moms can afford the kind of help most parents don’t have—but everyone has to start somewhere!


[i]singlemotherguide.com/single-mother-statistics [ii]/nces.ed.gov/programs/coe/indicator_saa.asp [iii]workingmother.com/content/50-most-powerful-moms-2015?image=1

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Don't Let Student Loans Stress You Out!

Refinancing might help reduce your interest rate and lower your monthly payments

Refinance Your Student Loans Today!

Refinancing and Consolidating Student Loans

By the time you graduated from your baccalaureate program, how many student loans had you accumulated? If the answer is more than one, you may have multiple loan providers and repayment schedules. Add in graduate school and more loans, and, balancing all these different payment schedules—not to mention making all those payments—might be a challenge. If that’s the case for you, you may be interested in refinancing or consolidating your student loans.

Deciding Whether to Consolidate Student Loans

Whether to consolidate student loans is a big decision, with several factors to consider. This might include the amount of debt you have, your current and near future income and financial situation, the number and terms of separate loans you currently have, and your personal preferences, to name a few. Once you consolidate, though, there’s no going back, so it’s important to look at your options. Here’s a brief guide to some basic considerations when deciding whether or how to consolidate student loans.

Your Current Finances

Each of your student loans, particularly federal student loans, may have different repayment, deferment, and forbearance options, aimed to help you repay your student loan debt in a way that is convenient for you. But if you have multiple payments to make each month, that might add up. If your income currently and in the near future is low enough to make repayment difficult, consolidation might be an appealing option. Consolidation loans might combine any compatible loans into one payment, possibly even with a lower interest rate and lower monthly obligations. Why might it be lower? Because consolidation loans might allow you to pay off your student loans over a longer period of time, should you qualify, adjusting the minimum monthly payment accordingly.

Your Long Term Finances

While lower minimum monthly payments might be an attractive option, there may be drawbacks to this. That’s because the longer it takes to repay a loan, the longer there is for interest to accrue on the outstanding amount. Depending on your student loan terms, such as whether you are subject to capital interest, you might be required to pay interest on the interest that has already accrued. If you can afford to continue making sufficient monthly payments on each of your outstanding loans, you might pay less money in the long run than if you consolidated.

Different Loan Terms

If you are eligible and choose to consolidate your student debt, you may be subject to new loan terms. Depending what those terms are, that might be a positive or negative. For example, if your original loans had flexible repayment options that you couldn’t get with the consolidation loan, you might lose access to that benefit. Make sure you familiarize yourself with all your benefits and options, both on your current loans and the potential consolidation loan, to make sure you’re not losing something you would rather keep. On the other hand, your consolidation loan might have new benefits that make up for the ones you lose. You might be able to consolidate under a lower fixed interest rate. If interest skyrockets, you’ll get to keep your lower rate. Of course if interest drops below your fixed rate, you might be stuck with the higher amount. As mentioned above, other potential benefits of consolidation might include lower minimum monthly payments and longer repayment periods, making repayment easier in the short term. Plus, once you’re able to do so comfortably, you might later be able to increase your payments and repay your consolidation loan faster, depending on the terms of your loan.

Convenience

At the end of the day, depending on your situation, consolidation might just be the more convenient option. Reducing your student loan payments each month from several to one might be easier for you to remember, not to mention easier to budget. Even if you pay more long term, you might decide that easing up your budget in the short term is enough of a benefit to make up for the increased duration. Whether it’s a matter of how far you can stretch your paycheck, wanting to increase your savings, or just your personal preference, the convenience of a consolidation loan might be a major factor in your decision.

  • CommonBond Variable Rate Loan

    • Savings: Rates as low as 1.90% APR (with auto pay discount). Borrowers save over $14,000, on average, over the life of the loan*. At CommonBond we don't like fees either. There is no origination fee or prepayment penalty when you refinance.
    • Service: CommonBond’s amazing care team is there every step of the way via phone, live chat or email...however you want to connect with us, we have you covered.
    • Simplicity: Get your rate estimate in 2 minutes. On the go? You can complete your application on your smartphone.
    • Social Impact: Your loan will not only save you money but will make a difference in someone else's life through our Social Promise. For every degree fully funded on the CommonBond platform, we fund the tuition of a child in the developing world through our partnership with Pencils of Promise.
  •  SoFi Student Loan Refinancing

    • Refinance and consolidate federal and private loans. Easily.
    • Members save an average of $14K.
    • If you lose your job, we'll temporarily pause your payments and help you find a job.
    • Simple online application and access to live customer support 7 days a week.
  • College Ave Student Loan Refi

    • Competitive fixed and variable rates
    • Apply in 3 minutes or less – no application or origination fees
    • Flexible term choice - Choose any term from 5 to 15 years
    • Refinance amounts as low as $5,000 (federal & private)
  • Citizens Bank Education Refinance Loan

    • Consolidate your federal and private loans
    • No application, origination or disbursement fees
    • Choice of fixed or variable interest rates
    • 0.25% interest rate reduction with our Automatic Payment benefit
  • U-fi | a Nelnet Partnership

    • Save money! Refinance your federal and private student loans.
    • Low fixed and variable interest rate with flexible repayment terms to fit your needs.
    • Interest rate reductions available.
    • No application, origination, disbursement or prepayment fees.
  • LendKey Network Student Loan Refinancing

    • Refinancing of private and federal loans for undergraduate and graduate degrees
    • Rates as low as 1.90% APR (with autopay) with no fees or prepayment penalties
    •  Choice of fixed or variable rates
  • DRB Student Loan Refinancing

    • Federal and private loan consolidation & refinancing for working professionals with undergraduate and graduate degrees and parents with Parent PLUS loans
    • Zero application, origination, or prepayment fees
    • DRB’s borrowers have saved $20,200+ over the life their loans on average
    • 0.25% ETF discount available to customers who make automatic payment from a bank account
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About these results: The results above are estimates intended to be used for comparison purposes only. To review official loan terms and disclosures , you will need to visit each lender's website directly. In order to apply for a loan, you must contact the lender directly. We have provided a convenient way for you to reach each participating lender's online application via the 'Apply' button. In all cases, you must read all of the disclosures and terms of the loan programs being presented on each lender's website prior to applying for a loan. The lender, upon approving you for financing, will provide final information about the terms under which they agree to make financing available to you. It is your responsibility to review the loan program's terms, disclosures and promissory note carefully. Approval for financing lies solely with the lender with which you apply. eStudentLoan is not providing a representation or warranty about your eligibility to receive a private student loan.

Consolidating Student Loans and Refinancing Student Loans

Student loan consolidation, in plain terms, is an option for combining several compatible student loans into one single loan. This is done through a new loan, which is used to pay off the student loans you want to consolidate, satisfying those requirements and assuming that debt. This new loan might have different terms, such as a different interest rate, different repayment terms, and other factors. Refinancing student loans, a term sometimes used interchangeably with consolidation within the context of student loans, is a service only offered by private lenders and banks. In some cases, private lenders and banks might allow borrowers to refinance student loans individually rather than consolidating several; in other cases, the process of refinancing may be quite similar to consolidation.

Federal Student Loan Consolidation

If you have taken out federal student loans, such as Direct Stafford Loans, Direct PLUS Loans, or Perkins loans, you might qualify to consolidate some or all of those with a Federal Direct Consolidation Loan. A Direct Consolidation Loan, conducted through the U.S. Department of Education, may be able to combine your eligible loans into a single loan under a new fixed interest rate, with new repayment terms and amounts.

If you choose to apply to consolidate your Federal Direct Loans and are eligible, this might reduce the minimum monthly payment, compared to pre-consolidation, through what is typically a lower interest rate and an extended repayment period. Federal Direct Student Loans do not include an application fee. There are also no penalties for prepayment.

However, if you choose to do so, you may lose access to borrower benefits associated with the original loans, as well as pay more money over the life of the loan.

Private Student Loan Consolidation

If you are considering private student loan consolidation, a number of factors may influence your decision to apply. Since you may have several different private lenders for your potential consolidation, you may want to evaluate the interest rates for your current loans and potential consolidation loans. In addition, you may want to look at whether the rate is fixed or variable, and whether the rate is capped and at what amount. Some private student loan consolidation services might incorporate application or origination fees. Depending on the arrangement, the amount you pay each month may vary, as may the total amount you might pay over the life of the loan. Finally, remember that your credit history might be taken into account, possibly necessitating a cosigner, depending on the individual circumstances.

The number of options available mean that, if you want to refinance or consolidate private student loans, you may be able to shop around, comparing the benefits of each contender not only to your current loans but to other potential options.

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