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Yes, You Can Go to University for Free

2nd April 2018

You’ve decided you want your higher education to be completely free - no student loans, no accommodation cost.

Whether that’s a wise or not, it’s up to you. But yes, you can go to university for free. Two things you’ll need: a lot of hustle (researching and applying) and flexibility (free education means you might miss out on something else).

Here are some tools and programs you can use to lower those big costs:

Grants

Grants are basically a sum of money the government gives you to help you out with university for free. Notice the give: you’re not expected to return it, unlike student loans. If you qualify for these grants and supplement it with something else, they can help you get to college for free. Pretty sweet.

You get different types of grants:

1. Maintenance grant

For living costs. You can get up to £3,475 if your household income is £19,203 or less. If it’s more than that, you may be eligible for a partial grant, depending on your income. These may not always be easy to get, but they’re worth a try.

2. Special support grant

This grant is to help with additional costs such as books, equipment and travel expenses. You could get up to £3,475 depending on your household income, but you also need to be eligible: be a single parent, have a certain disability, come from abroad, etc. You can’t get both the maintenance and special support grant, but you could try for one of them if you believe you’re eligible.

3. Travel grant

This one’s pretty cool. It’s basically a grant the government gives you to travel abroad, whether it’s on an Erasmus or to do with your university. The amount you’ll get also depends on your household income and some other factors. Here’s how much you can get (it’s a little confusing IMO):

There are a few other grants such as the Disabled Student’s Allowance and Dependents’ and Childcare Grants. As you can see you need to be in pretty specific situations to qualify, so grants are not the answer for everyone. But still worth a mention and a try.

For more info on grants and how to apply visit Gov.uk

 

Bursaries and scholarships

Bursaries and scholarships are pretty similar to grants except they offer larger amounts of money and aren’t always from the government. Although they may sound like the easy path to free education, they can be quite a hassle. The hardest part: research. There’s tons of bursaries and scholarships out there but you really have to find the right ones and apply as soon as possible. This includes asking your university, asking other students what they’ve done and spending a lot of time on our lil’ friend Google.

You also need specific criteria to pass: your household income, gender, nationality, grades, talents, etc.

The research isn’t easy because there’s not a huge directory with all the scholarships and bursaries available - you gotta do the work. Here are two of the largest directories I found to help you get started:

  • The Scholarship Hub
  • Scholarships for international students
  • List on TopUniversities

NHS

The beloved NHS! If you’re studying anything health related (dentistry, medicine), the NHS might come and help you out with the costs. The thing is, this one’s pretty complicated. You get different amounts depending on where you live, your household income and what you’ll be studying exactly. It varies so much that it’s kinda hard to be specific here, but here are some extra resources to find out more:

England, Scotland, Wales, Ireland

The great thing is that this can then help you do practices and internships with the NHS, which will then lead on to a job, a better opportunity, etc. All I’m saying is it could be worth a try…

opportunities flowin

Armed Forces

Not for everyone but could be a good option. No matter which degree you’re thinking of pursuing, you could get the Armed Forces to help you out with your education so you can then move on to working in the army. There’s a pretty large range of different bursaries available for army students depending on what subject you want to study.

In some places not only do you get a bursary but you also earn a little income of about £2,000 a year. You get different bursaries depending on what you qualify for: if you have amazing grades and potential to become an officer, you could be getting a total of £24,000!

There’s a ton of different options: training to become an Army medical profession, joining the Royal Navy or the Royal Air Force. I’m telling you, you’d be surprised by the amount of options out there - do a bit of research and planning and the free education will come rolling.

Find out more about your options and check out the guide to getting into the Armed Forces:

 

Sponsorships

Sponsorships are basically schemes where a company pays for your education in partly or in full. You could already be working for the company, going to work for them in the future or not working for them at all. There’s tons of different sponsorships available for different degrees and different cases. An example is Google: offering sponsorship to female students studying Computer Science and who demonstrate strong leadership skills.

You have a few odd ones here and there: sponsorships for vegetarians, for Welsh speakers only and even for golfers! Think you don’t have any skills? Look around… maybe some company has thought of you and has a pretty sweet deal you could take advantage of.

The Scholarship Hub has a section on finding sponsorships, or ‘company scholarships’ as they call them.

 

Apprenticeships

These are pure gold. And they’re becoming more and more popular nowadays as people realise getting a degree doesn’t always mean getting a job.

With an apprenticeship the company basically trains you for the job and combines it with some classroom style education. Then, the training is over and if you’ve done well - bam, a job.

You can also get a degree apprenticeship: basically the company sponsors you to go to university for free so you can then go work for them once you graduate. Not only do you get a degree for free but you are guaranteed a job once you graduate. Pretty sweet. Here are 4 cool apprenticeships I found (might even apply to one myself 💁)

This page on Gov.uk has tons of resources on finding apprenticeships for your particular degree/field.

can you believe I actually have a job after uni?

Crowdfunding

This plan may be a little on edge but could work if done well. It basically consists of asking strangers to donate to you to pay for your education. You go on a site like Crowdfunder, Hubbub or GoFundMe and ask for money to support your studies. You write a good essay on what you’re going to do with the money, what you’re going to study and why (something that stands out is better).

Here’s Brian who wants to go to Oxford to study a Masters in Development Studies. His motive? Research on LGBT communities in areas like China and South Africa. He also goes on to explain his achievements, where he’s from and even his sexual orientation (bisexual). He’s raised £18,117 so far. Congrats to Brian!

Crowdfunding is something that takes a lot of time and effort - you really need to convince people to give their money to you. They need to believe in you and trust that you will use the money well. But again, worth a try - and would look great on a CV if successful.

 

Go abroad

If you’re non-Scot, you won’t get free education offered next door in Scotland (and yes, we’re all sniggering over here). However, there are still some countries which offer a free education: Germany, France, Norway, Sweden and Denmark. Why not learn another language? Study something a little different? Get to know an interesting culture? Many degrees are done in English and offer a great range of opportunities for foreigners. Why not make an adventure out of your education?

This is also great for your CV: studying abroad shows an employer that you are flexible, adaptable and you look for opportunities. Great way to stand out from other candidates and gain a different and more interesting set of skills.

I did this for China: one trimester studying Chinese overseas wasn’t too expensive and I made amazing money as an English tutor - effectively making my education free.

It’s a little trickier to apply and organise - no European version of UCAS. You’ll have to go to our trusted friend Google and search for something along the lines of ‘apply for German/French/Norwegian university’ and see where it gets you from there. Some additional resources to check out are The Complete University Guide, list of countries and Top Universities

I’m outta here

As I said before, if you want free/very cheap education, you’ll need some hustle. You can combine some of the options above and try to find what suits you best. Do your research, ask your university, do some networking. Keep going until you find something that works for you, and if you can’t find anything: do a gap year. Much better to go into university for free one year later doing something you want than going with everyone else and wasting your time (I say from experience).

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Financially Mint is on another break! ☕ I will Financially Mint is on another break! ☕
I will be living in Kuala Lumpur, Malaysia for the next few months, and then hopefully heading to Australia. 
My plans for the next year:
I'm putting the career testing theory into practice. My next career test is working for an NGO here in Kuala Lumpur. This week will be my first week. I will be working with sex trafficking survivors and I've also been asked to do some financial education presentations to help the staff.
After that the plan is to move to Melbourne, Australia, and do my next career test: consulting. If that doesn't work out I will try another career test which may be more achievable: business development in a startup. Thanks to the amazing career books that I've read, I'm pretty confident I can get an interesting job. We'll see how it rolls. 🏀
How am I funding this? I'm very excited to say that I've managed to grow my part-time freelancing income to a full-time income that can sustain me in South East Asia (I would need to work full-time in Europe). I'm calling myself a 'Freelance FinTech Writer'. Rent is crazy cheap (like 300€/month) and it's literally cheaper to eat out than cook. I'm still able to save 15% of my income. 🎉🎉 The increase in clients and pay has been thanks to all the effort I put into Financially Mint, and to some crazy cold emailing and networking in the past few months. 
After some thought, I concluded that learning mark-up language (HTML + CSS) was a more efficient use of my time than writing blog posts and working on FM... so I am now taking a break to learn some basic coding and decide what to do next.
I will still be podcasting and taking part in the FI community on Twitter and everywhere else... so I'll still be seeing you around 😉
To our success 🎉🎉
Only 30% of jobs are posted online. 🙄 Let's sa Only 30% of jobs are posted online. 🙄
Let's say you've got a list of career paths to test. You've figured out a direction, you know which sector you want to work in and you've got some cool companies in mind.
But then what? How do you get an internship in the company you really want to work for? How do you get a job in that specific NGO? How do you get them to notice you? 🤔
In FM's latest post I share a strategy that I am still testing but seems to work - copied from a book titled 'Designing your Life' by Bill Burnett and Dave Evans:
The strategy: Conducting 'Life Design' Interviews. .
A Life Design Interview is basically meeting the person that has your 'dream career' for coffee. ☕
You find someone who is working at the company you want to work for, in the sector you want to work for or simply has a position you're interested in, and you reach out to them (LinkedIn helps). You ask about their story, their position, how they got to where they are and their advice to people starting out. 
This is what I've been doing for the past month in Edinburgh, and of the 40 people I contacted, I met 8 of them for coffee, my goal to simply learn about their story.
With an added bonus: Trust. ✅
Not only did I learn stuff about working in a startup, or as a content writer or working in an NGO, but I also built a trusted connection. It's those connections that help you find the hidden jobs, the dream careers and the best opportunities.
Check out FM's latest post for a proper run down on Life Design interviews. 💪 (Last week we organised the FI Europe podcast retreat! An amazing 4 days doing speeches, masterminds, debates, boat trips, beach and surfing. Post on this coming soon 🔥)
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#financiallymint #budget #budgeting #personalfinance #savinghacks #makemoney #savemoney #money #shoestringbudget #moneyhacks #moneysavinghacks #financialeducation #financialfreedom #adulting #savingtricks #earnmoney #lifeadvice #counsel #careeradvice #retirement #investing #careerbuilding #skillbuilding #career #selfimprovement #inspiring #fieurope #lifedesign #interviews
Investing in yourself now will return bucket loads Investing in yourself now will return bucket loads in the future. 🔮
I talk a lot about this on Financially Mint - how taking the time to build career capital and explore career paths will allow you to find a career of best personal fit, which will then make you the money you need.
But it is true that I am personally at the very start of this journey, and so can't offer many examples of this working. 🤷‍♀️ Well today, this changes as I interview the Financial Gladiator, who did exactly that.
He went to university to study business in Poland, and finished his masters in Australia. In the meantime, he was doing internships, making connections, building skills and beefing up his portfolio. 
He says it himself: ' I always looked to add experience and skills to my repertoire rather than dollars' 💸.
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7 internships later in several different countries and industries and a lot of hustling, moving around and learning about what career fitted him best, FG ended up in a job that paid him a six figure salary. This kept on snowballing, and in his early thirties he hit a salary of over $500,000. .
That goes to show how much investing in yourself can return in the future.
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$500,000 annual salary doesn't need to be your goal, but it still goes to show that you'll make the bulk of your money after investing in your own career. 📈
A great interview filled with actionable career advice and FG's complete story, check out FM's latest blog post! (Edinburgh castle 🔥)
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Most of us don't know what we want to do in our tw Most of us don't know what we want to do in our twenties 🤷‍♀️. And that's absolutely normal.
But that's why we don't want to be committing to one thing - who know what you might want to do in 5 years? 🧐
Instead of committing, why not be exploring, investigating and testing career paths. But how can you do this cleverly without being a typical 'millennial-career-hopper'? By building career capital at the same time.
This means that every career test you do will help you build skills, connections and a more solid portfolio. If you have no idea where to start, here are some examples of jobs/activities that can help you build career capital:
1. Working for a growing organisation with a growing performance: this could be consulting, a startup - anywhere with a good mentor and team 👨‍👩‍👧‍👦
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2. Graduate studies - for those who want to work in research, a think tank, etc.
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3. Building a valuable and transferable skill - skills such as writing, programming, designing, data science, etc will always be useful in the future 💻
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4. Creating content - you don't always need a shiny piece of paper or a medal to show that you've done something. Creating your own thing can be just as useful.
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And much more amazing career advice... in FM's latest blog post 🤓
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(I’m running out of pictures to post so here’s one of a beautiful evening in Edinburgh) .
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