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Earning an online degree is a great way to get the training and qualifications you need to get ahead in life. These days most top paying jobs require at least a bachelors degree and many times a masters or PhD. The problem is finding the time to earn your degree and finding the money to finance it. Luckily accredited online colleges and universities now allow you to earn most any degree online and there are lots of options to gain the financing you need. Here are three (3) easy ways to secure your online student financial aid. Government Aid The government has several options of financial aid at your disposal but you must follow their guidelines to receive the funds. Your first step is to fill out the Free Application for Federal Student Aid (FAFSA)form online. You'll need your tax information and other paperwork. The FAFSA will determine how much you can get from the government in grants, loans, and work-study money. Student loans from the government often have the best payment plans, and you never have to pay back grant or work-study money. It's a very good deal for the distance learner and one that you should pursue. Even if you're unsure whether you want to follow through with government aid, you should still complete the FAFSA form just in case. Without the form, you can not obtain government help. With the form completed, you have the option of accepting their financial aid or not. That way the decision is up to you. Scholarships In the search for financial aid, scholarships might be the first thing that comes to mind. Your best bet as a distance learner may be a free online scholarship search site. Sites like FastWeb and FinAid scour the web for essay contests, corporate scholarships, and special-interest awards. You can get money based on your age, income, cultural background, and more. Remember, you should never pay for an online financial aid search--the best ones are free. Private Loans If you've checked out government aid and scholarships and you still need a little more help, private loans should be your next step. Loans from banks and private institutions may have a higher interest rate than the government, meaning you may pay more, and private loans are also based on a credit check. However, you can often borrow more money, and many student private loans include a grace period, so you have time after you graduate before you have to think about paying back the loan. Returning to school as a distance learner can be a great benefit and possibly a big financial investment, but financial aid can make that investment a greater possibility than you might think.

Through the technology of the Internet, so many things are now possible today that before were difficult or impossible. Online college education is an exceptional example. While distance learning programs have been around for quite some time, online degree programs allow for a higher level of distance education. Web-based technologies allow you to consult with your instructor, talk to a college advisor, or have discussions with fellow students, in addition to the general run of your academic studies. You will receive lectures, reading materials, assignments, and test from your online instructor through e-mail or website postings. You will be able to work on these at a highly flexible schedule before you have to submit your requirements. This makes it possible for many online degree students to work at a full-time job while completing their academic training. It is also very helpful for stay-at-home parents who do not wish to leave their young children at home. Online college degree programs allow them to continue onto higher education without making sacrifices on the familial front. The advantages of online college education are fairly clear. But does it offer any disadvantages? The most serious problem is likely to be the proliferation of online degree scams. These are websites that promise to send you a diploma with the payment of a fee. Such fake diplomas are academically worthless, and are extremely unlikely to convince corporate recruiters and other types of employers. Not to mention that fake diploma production is an illegal business. A number of online degree programs are basically just diploma mills--in which case, you may do some academic work in order to earn a diploma, but the training is sub-standard and the work required is very minimal. These types of programs are hardly any better than those giving out fake diplomas, and the degrees you gain from them will not impress company recruiters either. There are definitely some pitfalls involved when selecting an online college degree program. Therefore you should make sure that the program you are interested in is duly accredited by a reputable educational agency. Look out for notices of accreditation on the website and check to see if they are correct. Go to the website of the accrediting agency and check to see if the program is listed there.

There's a good deal of misunderstanding out there about the cost of online college courses, and all e-learning for that matter. Although there are lots of shortcuts available if you want a low-quality degree from a "diploma mill" or non-accredited online institution, the fact is that if you want to study at a respectable school, the cost of distance learning courses is usually about the same as traditional classes. That, however, doesn't mean you'll spend anywhere near as much money to get an online degree as you would to attend a bricks and mortar college for four years. Naturally, your biggest saving will come from the fact that you'll live at home while studying. Students at traditional college can spend tens of thousands of dollars on room and board over four years, particularly if their school is in a major city. You also tend to pay for online learning on a "per-course" basis. That's important, because it gives you flexibility to stretch out your schedule if events in your life make it necessary. In most cases, when a full-time student at a traditional school doesn't complete the required credits within four years, he or she has to pay for every additional semester needed to finish the degree. If you study at a state school, you may also get a unique benefit from the "distance" in distance education. Most state colleges and universities charge a huge premium (sometimes almost double the basic tuition) for on-campus students who are not residents of their particular state. There's almost never a premium charged to out-of-state e-learners. Cost differences: Traditional and Distance Learning: Most three credit-hour courses online run from $700 to $900 - a charge that's roughly comparable to the fees at most mid-range traditional schools. That means that a full online degree, including textbooks and other supplies needed, will probably require an investment of more than $30,000 on your part. Certificate degrees, even at a fairly high professional level, can cost less because they involve fewer courses. For example, a certificate degree in supervisory skills at Cornell eLearning, a top school, currently costs about $3,800. It requires 11 courses. There are several options you can use to defray the cost of online college courses. If you are currently employed, particularly by a mid to large-sized company, you may be able to get a the company to fund some or evel all of the cost of online college courses. The federal government, which has traditionally given grants only to on-campus students, has shown more flexibility in recent years about giving financial aid to online students. For comparison's sake, keep in mind that if you choose to go the traditional college route, there are many state and private schools where your total cost of a degree will be far, far more than $30,000.

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