FREE MONEY FOR GRAD SCHOOL
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Free money for graduate school
Free College Scholarships 
No, not the phishing scams and emails for free money for graduate school from Obama Stimulus plan. This is a real deal for free money for further studies. On average, a year of graduate school costs $28,375 for a master's degree at a public school and $38,665 at a private school. But free money abounds, from grants and scholarships to assistantships and fellowships. You can realize this free money by taking one or more of the following steps.
Unlike undergraduate programs, which rely on the school's financial-aid office to dispense institutional grants to applicants, graduate programs give each department a pool of money to divvy up. To gauge your odds for bagging a fellowship (otherwise known as a grant) or tuition discount, contact each of the departments you are considering and ask how much money is available and how it is allocated.
Chances are, you'll find slim pickings at the master's-degree level. Still, some universities carve out the bucks to help master's programs compete for top-tier applicants. You may find that some department that interests you at a school has quite a bit of funding dollars and where competion for that last grant dollar is not that tough making your chances a little better than other schools or departments. .
At the doctoral level, strong students have a decent shot at receiving a fellowship as well as a departmental assistantship, which pays a stipend for 20 or so hours a week of teaching, research or administrative work.
While you investigate the possibilities, take note of whether the application for admission puts you in the pool for free money or whether the school expects you to apply separately. Either way, you'll also have to fill out the Free Application for Federal Student Aid, known as the FAFSA, to qualify for federally sponsored loans, grants and work-study, the on-campus jobs awarded to students with need. Grad students are required to report only their own financial information on the FAFSA, not that of their parents, but some schools ask about the parents' finances as well.
Don't forget to scout out independent fellowships, offered through the U.S. Department of Education as well as professional groups and foundations. Such awards range from a few hundred dollars to enough to cover the cost of attendance. The AAUW (formerly the Association of American University Women) offers awards from $5,000 to $30,000 to women who are returning to school to advance or change their careers. The Truman Scholarship provides up to $30,000 to grad students who commit to a career in public service.
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