Grant Programs for Older Adults - Options and How to Apply

Grants can open doors at any age.

Whether you’re returning to school, upskilling for a new career, improving your home’s safety, or seeking support as a caregiver, there are grant programs for older adults designed to help. This guide breaks down your options, the most common programs people use, how to apply, and what to consider so you can move forward with confidence.

What a Grant Is (and What It Isn’t)

A grant is money you don’t have to repay, typically awarded by government agencies, nonprofits, or schools to meet specific needs like education, training, home repairs, or health-related supports. Unlike loans, grants generally don’t accrue interest or require repayment if you meet their terms.

Grants are usually need-based or purpose-driven. Many require proof of income, residency, age, veteran status, or enrollment in an eligible program. Some are paid directly to institutions (like colleges or contractors) rather than to you personally.

Always review eligibility and use-of-funds rules before applying.

Beware of “guaranteed” grants or anyone asking you to pay to apply. Federal grants for individuals are limited and highly specific; you typically apply for education and training grants through official channels like schools, workforce centers, or government portals.

The Most Common Grant Programs Older Adults Use

1) Education Grants and Scholarships

If you’re pursuing a degree, certificate, or short-term credential, start with federal and state student aid. Age is not a barrier—millions of students are 25+ each year, and colleges welcome returning learners. Use these pathways:

FAFSA (Free Application for Federal Student Aid): Submitting the FAFSA unlocks federal, state, and institutional aid. It’s required for most need-based grants.
Federal Pell Grant: For eligible undergraduates with financial need. Learn more at Federal Student Aid.
Federal Supplemental Educational Opportunity Grant (FSEOG): Campus-based aid for students with exceptional need; schools have limited funds. Details at studentaid.gov.
State Grants: Many states offer need-based or workforce-focused grants. Find your state’s programs via the NASFAA state aid directory.
College Foundation Scholarships: Community colleges and universities often have scholarships for returning adults or part-time students. Ask your financial aid office about “re-entry” awards.
Osher Reentry Scholarship: Supports students who’ve had a 5+ year gap in education and are pursuing an undergraduate degree at participating schools. See the Osher Foundation.
P.E.O. Program for Continuing Education (PCE): Need-based grants for women returning to school. Explore P.E.O. International programs.
Independent Scholarship Searches: Use trusted databases like BigFuture to find awards tailored to adult learners and career changers.

2) Workforce Training Grants

Not looking for a full degree? Workforce programs fund short-term training for in-demand jobs (healthcare, IT, skilled trades). Through the Workforce Innovation and Opportunity Act (WIOA), eligible jobseekers may receive Individual Training Accounts (ITAs) for approved programs.

Find your nearest American Job Center to explore WIOA training grants and career services: American Job Centers.

3) Veterans’ Education and Training Benefits

Veterans and eligible family members can use the GI Bill and other VA programs for degrees, certificates, apprenticeships, and on-the-job training. Learn about eligibility and approved schools at VA Education Benefits.

4) Health, Caregiving, and Community Support

While many health benefits aren’t “grants” in the strict sense, local agencies often provide grant-funded services such as caregiver respite, nutrition, or transportation at low or no cost.

Area Agencies on Aging (AAAs): Find local services and caregiver supports via the Eldercare Locator.

5) Home Repair and Accessibility Grants

Home safety upgrades can be funded through federal, state, and local programs—especially for accessibility or weatherproofing.

USDA Section 504 Home Repair Grants: Very low-income rural homeowners age 62+ may qualify for grants to remove health and safety hazards. See USDA Rural Development.
Weatherization Assistance Program (WAP): Helps eligible households reduce energy costs through efficiency upgrades. Learn more at the U.S. Department of Energy.
LIHEAP (Energy Bill Assistance): Helps with home energy costs and energy crises; some states offer related weatherization or equipment repairs. Start at LIHEAP.

6) Internet and Phone Discounts

For ongoing communications support, the FCC’s Lifeline program offers discounts on phone or internet service for qualifying low-income consumers.

7) Where to Search for More Grants

To find additional opportunities—especially for non-education needs—use trusted portals:

Benefits.gov: Answer a short questionnaire to see programs you may be eligible for: Benefits.gov.
Grants.gov: Central listing of federal grant opportunities. Individuals rarely apply directly, but it’s a good place to verify programs and avoid scams: Grants.gov.
College Financial Aid Office: Your school’s aid office is the best source for campus-based grants and emergency funds.

Why It’s Never Too Late to Continue Your Education

Education at 40, 60, or 80 is not just possible—it’s powerful. Adult learners bring focus, lived experience, and clear goals that often translate into strong academic results. Colleges value diverse life experiences in the classroom, and many offer tailored advising, flexible schedules, and credit for prior learning.

Upskilling can boost employability, open the door to encore careers, and enrich your life. From learning new technologies to deepening expertise in a passion area, education is a catalyst for income, confidence, and community engagement. If you’re curious, that’s your green light.

How to Apply for Grants (Step-by-Step)

1) Clarify Your Goal

Do you want a degree, a short-term certificate, help with home safety, or caregiver support? Your goal determines the right programs.

2) Confirm Eligibility

Check age, income, residency, veteran status, and program-specific criteria on official pages (e.g., studentaid.gov, Benefits.gov).

3) Gather Documents

Common items: ID, proof of income or tax returns, residency, transcripts (if applicable), and program acceptance/enrollment letters.

4) Apply Through the Correct Channel

Education: Submit the FAFSA, then follow your school’s financial aid checklist.
Workforce training: Meet with an advisor at an American Job Center.
Home and community programs: Contact your local AAA via the Eldercare Locator or your city/county housing office.

5) Make a Strong Case

Explain your need and how the grant will help you achieve clear outcomes (complete a certificate, make a bathroom accessible, offset caregiving costs).
Follow directions exactly: word counts, deadlines, required signatures, and supporting documents.

6) Track Deadlines and Renewals

Many grants are annual; create reminders to renew FAFSA and re-certify eligibility for community programs.

Things to Consider Before You Apply

Taxes: Some education grants used for tuition, required fees, and course materials may be tax-free; portions used for living expenses may be taxable. Review IRS Publication 970 or consult a tax professional.
Impact on Other Benefits: Certain awards could affect eligibility for means-tested programs. Ask program administrators how grants interact with benefits.
Scam Alerts: Verify programs on Grants.gov or official .gov/.edu sites. Learn the warning signs at the FTC. Never pay to apply or give out financial info to unsolicited callers.
Accessibility and Support: Schools and agencies can offer accommodations, tutoring, and technology help. Ask about disability services and adult-learner supports.

Fast Start Checklist

Write your goal in one sentence (degree, certificate, home safety, caregiving).
List two programs that fit your goal (e.g., Pell Grant + College Foundation Scholarship; WIOA ITA + AJC coaching; USDA 504 + local housing rehab).
Create a document checklist and deadline calendar (FAFSA open date, school priority deadlines, local agency intake appointments).
Schedule one conversation: financial aid advisor, AJC counselor, or AAA specialist.
Apply, then follow up—ask about waitlists, appeals, or emergency funds if you’re close to qualifying.

Helpful Links

You deserve support for your next chapter. With the right grant programs for older adults—and a clear plan—you can reduce costs, remove barriers, and reach your goals with confidence.