Federal Pell Grant for Single Mothers : Everything You Need to Know

Federal Pell Grant for Single Mothers : Everything You Need to Know – Being a single mom is a challenging task. As a single mother, she has to take care of her child, home, work, and other things. It is not at all easy to handle everything as a single mother. There is no doubt that single mothers need help. The Government has come up with various grants to help single mothers.

Pell Grant is one of the programs that offer a scholarship for single mothers who need to pay for college. It is a money grant that is available for single mothers. Unlike loans, Federal Pell grants do not have to be repaid. Around 30 percent of all single mothers or students that are enrolled in undergraduate programs in the United States of America have been granted a Pell Grant reward. Eligible single mothers get a specified amount every year through the Pell Grant program. You can also check Top Grants for single moms for more information.

Are you eligible for a Federal Pell Grant?

You become eligible for a Pell Grant if you are eligible for federal financial assistance, complete the FAFSA, and your EFC or Expected family contribution falls below a specific amount. The Department of Education, USA, considers your EFC by taking the details you offer on the FAFSA and plugging them into a standard formula.

To become eligible for a Pell Grant, you should also:

  • Be a United States resident or an eligible non-citizen.
  • Have earned a GED or have completed their high school education or high school diploma in a certified home-school setting
  • You must be an undergraduate student who has not earned a bachelor’s degree. There are a few exceptions for students in post-graduate teaching programs.
  • Accept or get enrolled as a regular student in a certification or an eligible degree program.

Who is eligible for Federal Pell Grants?

The Federal Pell program is a direct grant that is rewarded through participating institutions to single mothers or students with financial help who don’t receive their bachelor’s program or are enrolled in a specific post-graduate program that leads to teacher licensure or certification. Single mothers will not get Federal Pell Grant Funds from more than one school at the same time. The amount that you get is based on your:

  • Cost of attendance
  • Financial help
  • Plans to attend school for an academic year
  • Part-time student or status as a full-time student

How much does a Pell Grant cover?

The Maximum Pell grant amount is $6,895. The Pell Grant amount depends on EFC and other aspects that include the amount of time you will attend college. Whether as a single mother, you will choose a full academic year or part-time in college and your cost of attendance. You cannot get Pell Grant from more than one college at the same time, and you will get Pell Grants for up to six years, it means 12 semesters.

How will you get your Pell Grant?

A college might credit Pell Grants funds to your bank account, will directly pay you, or use a combination of any of these two methods. Colleges should pay at least once every term, whether that is a semester, quarter, or trimester. The college should notify you of the amount of the Pell grant when payments are made and how they are made. Colleges that don’t use formally defined conventional terms should pay you at least twice in an academic year.

Key Takeaways

  • The Federal Pell grants are awarded depending on financial need and are not like loans that have to be repaid
  • The school considers how much Pell grant money a student or single mother should get up to the federal Maximum
  • Candidates should complete a FAFSA or Free Application for Federal Student Aid every year to become eligible.

How a Pell Grant Works?

To become eligible for a Federal Pell Grant, single mothers and their parents should fill out the Government’s FAFSA or Free Application for Federal Student Aid. The application that will be completed online asks a series of queries about the parent’s and student’s finances in addition to other details such as whether any of the siblings of the student will be in college at the same time. Schools or colleges that the single mother or student applies to will get an electronic copy of the application.

The school’s calculations determine the difference between the EFC or expected family contribution as calculated by the FAFSA and the cost of attendance. Financial assistance officers at colleges use the FAFSA grant to know the difference between the EFC and expected family contribution.

  • COA, or cost of attendance, includes the tuition fees and school fees, books, boards, and rooms. Many schools or colleges publish their COA on their sites.
  • EFC or expected family contribution is based on the family and student’s income and assets such as investment and bank accounts

To bridge the gap between COA and EFC, the school might provide the student with a combination of Federal grants such as unsubsidized and subsidized federal loans and paid work-study jobs. Subsidized loans and Federal Pell grants are planned for single mothers and students from low-income backgrounds. Colleges make this financial assistance around the same time that they send out their acceptance letter. Undergraduate students become eligible for Federal Pell Grants, though there is an exception for the post-graduate teacher training program.

The EFC (Expected family contribution) was renamed the SAI (Student Aid Index) in the year 2023. EFC does not clarify how much their family or single mother or student should pay the college but is used to calculate how much student assistance the candidate can get.

Pell Grant Maximums and Other Limits

A federal grant has decided a limit on how much you will get in total: 12 terms or six years of funding. To keep a track record, the Government calculates your LEU or Lifetime Eligibility Used percentage while you are receiving your Federal Pell Grants. You may see how much you have left to go by signing into your My Aid account on the Department of Education Student aid site. Your eligibility for Federal Pell grants ends when you get your degree.

How do you apply for a Pell Grant?

You may apply for Federal Pell Grants and state, federal, and institutional financial assistance programs by completing FAFSA online (Free Application for Federal Student Aid). The FAFSA becomes available on the 1st of October every year and we will suggest you submit your applications soon. You may request a FAFSA paper from the FSAIC or Federal Student Aid Information Center at 1-800-433-3243. You may check with your college to know if it is the preferred deadline for the FAFSA. To learn more about the Federal Pell grant, you can visit the website https://studentaid.gov and apply for the program online.

Who Was Pell?

Pell Grant is named after Claiborne de Borda Pell of Rhode Island, a late U.S. Senator.


Federal Pell Grants assist undergraduate single mothers with financial assistance to pay for college or their post-graduate program. Single mothers need help, and they also wish to pursue their education. Being a single mother, the Government understands your pain. They know how difficult it is to take care of everything all at once. So, the Government has introduced a Federal Pell Grant that offers single mothers financial assistance to pursue their education. It also gives an opportunity for single mothers to become financially independent and make their careers. Through Federal Pell Grant, Single mothers are offered flexibility so that they can pursue their education part-time or even full-time. Unlike student loans, single mothers do not have to be repaid in many scenarios. To apply for a Federal Pell Grant, single mothers, and their families have to fill out the application form FAFSA. If you are a single mother who wishes to shine in your career, then you must apply for a Federal Pell Grant!


What is the lifetime limit for the federal Pell grant?

The Federal Grant amount that you will get over your lifetime is limited by law. It is six years of Pell Grant funding. As the amount of a scheduled Pell Grant reward you will get each reward is equal to 100 percent, it means six years is equal to 600 percent.

What is the difference between the Pell grant and the Pell loan?

A Federal Pell Grant is not like a loan. It does not have to be repaid except under specific scenarios. You may know why you have to repay part or all of your Federal Pell Grant. You might not get the Federal Pell Grant amount from more than one school at the same time.

Does FAFSA automatically apply for the Pell grant?

Schools use these details on the FAFSA form to know your eligibility for a Pell Grant and how much you will get. You have to fill out the FAFSA application form every year to become eligible for federal student aid, which includes Federal Pell Grant.

What happens to Pell grant money not used?

The college may issue you a Federal Pell Grant refund if your grant dollars are not used. You will get a check for the remaining funds, or the college might transfer it through direct deposit into your student account or bank account.

Does the Pell grant show on the tax return?

Federal Pell Grants are allocated to cover living expenses such as board and room, are not subtracted from QTRE for LLC or AOTC reasons, and are included in the student’s taxable income, potentially increasing the credit that students are eligible for.

Leave a Comment