Working students can take advantage of primary sources of financial aid, such as loans and fellowships, as well as the following assistance categories:

Volunteering not only helps the disadvantaged, it can also provide money for your college education. Learn about programs such as the National Service Scholarships Program, AmeriCorps, Learn and Serve America and Senior Corps.

Students interested in pursuing careers in the military, veterans and their dependents can profit from aid resources aligned with the armed forces.

The HOPE Scholarship Credit establishes a tax credit for higher education.

Check out school's financial aid office Web sites for information about the institution's financial aid policies and procedures, including application deadlines.

Split your tuition into equal monthly payments using tuition payment plans or short-term installment plans, offered at some schools.

Some scholarship and fellowship programs, including college-controlled merit scholarships for which adults qualify, are offered only through specific schools.

Students with disabilities can make the most of your State Office of Vocational Rehabilitation to help finance your education.

Women should look into scholarships, grants, and other awards intended specifically for female students offered by community-based women's organizations, including the YWCA.

Get advice on scholarships and award programs specifically for members of ethnic minorities who are working adults at student unions and financial aid offices in junior colleges and universities. Social services organizations like Chicanos Por La Causa or the Urban League might also have links to scholarship and financial aid information.

In addition, student loans can be obtained at private lending institutions.

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