Free Educational Grants for Women and Education scholarships.

Online education grant programs for women, plus other assistance government grant programs.

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American Association of University Women (AAUW) Fellowships, Grants, and Awards
Features information on fellowships, grants, and awards for female students, presented by the American Association of University Women (AAUW) in Washington, D.C. Discusses AAUW Educational Foundation fellowships and grants, AAUW Legal Advocacy Fund support for sex discrimination lawsuits, and the International Federation of University Women. Posts a list of Legal Advocacy Fund cases, as well as Fund and Foundation FAQs. Provides access to AAUW's home page and index of information pages.
 
American Association of University Women (AAUW) Educational Foundation Career Development Grants
Provides support for women who hold a bachelor's degree and are preparing to advance their careers, change careers, or re-enter the work force. Special consideration is given to American Association of University Women (AAUW) members, women of color, and women pursuing their first advanced degree or credentials in nontraditional fields. Funds are available for tuition, fees, books, supplies, local transportation, and dependent care. Approximately 60 grants are available in two categories: Academic Grants and Professional Development Institute Grants. Source: Grants and Foundations Review, Oct. 9, 2001.
 
American Association of University Women (AAUW) Educational Foundation
Fellowships and Grants
The AAUW Educational Foundation has helped more than 6,500 women reach their personal and professional goals through a variety of fellowships and grants: Eleanor Roosevelt Teacher Fellowships, designed to promote gender equity in public schools, are awarded to K-12 women public school teachers with at least three consecutive years of full-time teaching experience in math, science, or technology. Career Development Grants are for women in the early stages of graduate studies in order to re-enter the work force, change careers, or advance their current careers. Community Action Grants provide seed money to individual women and AAUW branches and states for programs or nondegree research projects that promote education and equity for women and girls. International Fellowships for full-time graduate or postgraduate study or research in the United States are awarded to women who are not U.S. citizens or permanent residents. American Fellowships support women doctoral candidates writing their dissertations and postdoctoral scholars conducting research who are U.S. citizens or permanent residents. One-year research leave or postdoctoral fellowships, dissertation fellowships, and summer postdoctoral fellowships are offered. Selected Professions Fellowships are awarded in designated fields where women's participation has been low.
All applicants must have demonstrated scholarly excellence. Preference goes to women whose civic, community, or professional work shows a commitment to advancing the welfare of women and girls. Women of color are strongly encouraged to apply. For more information write to AAUW Educational Foundation, Department 60, 2201 N. Dodge St, Iowa City, IA 52243-4030, call 1-319-337-1716, or fax 1-319-337-1204, or write to American Association of University Women, 1111 Sixteenth Street N.W., Washington, DC 20036-4873 or call 1-202-728-7603.
 
American Legion Auxiliary (Michigan) Memorial Scholarship
Any daughter, granddaughter or great granddaughter of a qualified veteran who is a Michigan resident attending a Michigan college or university is eligible.
 
Association for Women in Mathematics (AWM)
The Association was founded in 1971 at the Joint Meetings in Atlantic City. The purpose of the association is to encourage women to study and to have active careers in the mathematical sciences. Equal opportunity and the equal treatment of women in the mathematical sciences are promoted. Sponsor Travel Grants for Women to enable women to attend research conferences in their fields, thereby providing a valuable opportunity to advance their research activities and their visibility in the research community.
 
Association for Women In Science Educational Foundation
Each spring, the AWIS Educational Foundation offers graduate and undergraduate awards in the amount of $1,000.
 
AT&T Undergraduate Research Program
Have you always wanted to know what it's like to be part of a scientific team in a leading industrial laboratory? If you're a woman or minority student in your third year of college, this could be your opportunity. Apply for summer employment. If accepted, you'll work with experience research scientists and engineers on projects designed to advance the state of the art in the technology that interests you.
 
Business and Professional Women Foundation
 
Career Advancement Scholarships
  
The Business and Professional Women's Foundation (http://www.bpwusa.org/) promotes equity for working women through education, information, and research. The foundation provides financial assistance to women seeking additional education to advance in their careers or re-enter the workforce, and also collects, conducts, and analyzes research on issues affecting women in the workplace. The BPW Foundation is now accepting applications for its 2000-2001 scholarship program. Applicants must be women 25 years of age or older. They also must be officially accepted into an accredited program or course of study at a U.S. institution (includes institutions in Puerto Rico and the Virgin Islands) and must be graduating within 12 to 24 months from the date of grant. Applicants must also demonstrate critical need for financial assistance. Visit the Business and Professional Women's Foundation Web site for more information or contact: BPW Foundation, ATTN: Scholarships, 2012 Massachusetts Ave, NW, Washington, DC 20036; Tel: (202) 293-1200 ext. 169. Source: Foundation Center RFP Bulletin, Nov. 17, 2000.
 
A Directory of Fellowships, Scholarships, and Grants Available to African Women Students and Scholars
Compiled by Aili Tripp, Women's Studies Research Center, University of Wisconsin, Madison.
Also listed under Area Studies.
 
Educational Foundation for Women in Accounting Scholarships
The Educational Foundation awards scholarships to women who are pursuing accounting degrees at both the undergraduate and postgraduate levels.
Also listed under Business
 
Fellowship / Grant / Award Information (Yale University)
Identifies numerous fellowships, grants, and awards for women. A subset of The ADA Project : Tapping Internet Resources for Women in Computer Science.
 
Foundation Center RFP Bulletin : Women
 
Girls Global Education Fund
Provides scholarships for girls in developing countries to attend primary, junior high and high school.
 
International Federation of University Women International Fellowships
The International Federation of University Women offers a limited number of fellowships and grants to women graduates for advanced research, study and training. The competitions are held every two years. Many of IFUW's 69 national federations and associations offer fellowships, scholarships and grants to women in their countries and to IFUW members from other parts of the world. Address information is provided for each country federation/association.
 
Jeannette Ranking Foundation Women's Education Fund
The Jeannette Rankin Foundation continues the legacy of Jeanette Rankin, the first woman elected to Congress. Every year scholarships of $1,500 each are available to 25 women, aged 35 or above, to pursue their education. Applicants must be U.S. citizens, and have been accepted or enrolled in a certified technical/vocational training program or undergraduate college program. Awards will be made to promising students with severe financial need.
 
Karla Scherer Foundation
Provides scholarships to women majoring in finance or economics with plans for a corporate business career in the private sector.
 
Margaret McNamara Memorial Fund
Provides funding for women from developing countries. Sponsored by the World Bank. For more information, contact Margaret McNamara Memorial Fund, Selection Committee, 1818 H Street, NW, MSN H2-204, Washington DC 20433; Tel: (202) 473 8751; Fax: (202) 676 0419; MMMF@worldbank.org
 
Scholarship News : Women Scholarships
 
Scholarships, Fellowships, and Postdoctoral Awards for Womenl
A compilation of resources by Francisco Alberto Tomei Torres, Ph.D.
 
Talbots Womens Scholarships Fund
Note: type "scholarship" in the search engine box
Since 1997, this classic women's clothing retailer has dedicated $100,000 a year to a national scholarship program to help women complete their undergraduate education. Each year, five women are awarded $10,000 each, and 50 women, $1,000 each to return to school. To be eligible, you must have been away from school for at least 5 years. Look for applications in Talbots stores soon, or call 507-931-1682.
 
Third Wave Scholarship Program for Young Women
Third Wave Foundation's Scholarship Program for Young Women is available to all full-time or part-time students age 30 and under who are enrolled in, or have been accepted to, an accredited university, college or community college. The primary criteron for funding is financial need. Students should also be involved as activists, artists, or cultural workers working on issues such as racism, homophobia, sexism, or other forms of inequality.

Search for free grants for single moms and grants for widows.

Personal Credit

Personal credit scores are based on standards of the major credit rating bureaus: Experian, Equifax, and TransUnion. Lenders average the fixed score from each of these to determine a borrower’s eligibility and terms of financing. The rating system looks at several factors and gives a points rating to each one. Positive and negative factors can affect the score.

Factors that can affect credit scores:

* Payment history accounts for about 35% and the way debts are paid, for example if they are paid in a timely manner or paid late. It reflects the number of past due items and how long they were

  delinquent, or if there was any collection activity. Another factor is any public records like bankruptcies, liens, and wage garnishments.

* Current total debts accounts for around 30% and considers the total amount of debts owed. This is the number of accounts and each balance owed and it influences FICO scores. Credit bureaus will

   look at outstanding debts in relation to the available credit. Getting out of debt by paying down debts can help raise scores over time.

* The length of credit history is a factor concerning the amount of time accounts have been open and the account activity.

* New credit is any recent accounts established. This also includes any credit inquiries indicating attempts to get new lines of credit.

* Types of credit considered is the total number of the types of credit that has been secured. This includes revolving debt on credit cards and retail accounts.

Some lenders may not view past performance as a guarantee of future performance. This is not always true as a credit rating is an indicator of past borrowing and repayment performance.

This can give lenders an idea of how likely it will be for a borrower to repay a new loan in full, on time. They use a consumer's credit rating to determine their risk in loaning money.

A person who has a good credit rating may not have to pay high interest fees or may not have to give a large down payment. Personal credit scores are used to determine whether to loan money to small businesses and corporations. Factors like age, race, ethnic background, religion, sex, and marital status, do not influence scores. Employment history, current employment, wages, and assets are not taken into consideration as part of FICO scores, yet some lenders may look at these areas when evaluating a person's credit worthiness.

Qualified borrowers have a FICO rating of 750 or better, yet people with a score of 650 may be able to get a loan that has higher interest rates. These scores can change monthly to reflect any changes to the criteria used to determine the score. If a loan is paid off it could improve scores. If a bill is not paid or bankruptcy is filed, it could lower scores. Monitoring scores can help identify any problems that may need correcting. AnnualCreditReport.com is the site to visit to request a free credit report, and get credit information almost immediately, but it can take longer when not using the Internet. Credit services can help monitor FICO scores but it usually requires a monthly fee.

MasterCard Online Shopping Study	According to a MasterCard online shopping study, the majority of frequent shoppers are women. Browse secured and unsecured credit card offers; including American Express, Chase, Discover and Visa, and submit your application.
Personal Finance Advice for Women	Chase and the O (Oprah Magazine) help women with free financial advice from Chase. CreditFederal also offers free credit advice plus personal finance calculators to track expenses, create a budget, manage a checkbook and to start a savings plan.
MasterCard Small Business Women	A MasterCard survey outlines the keys of successful small businesses owned by women.

Credit Card Deals and Education	There are different kinds of credit cards not only for various credit scores, but also for special uses from establishing or rebuilding credit to earning rewards. With credit card education you will be best able to choose the right deals for you.
50 Key IRS Tax Deductions	Key IRS tax deductions include the deduction for state and local sales taxes for itemizers, the additional $1,000 deduction for real-estate taxes for people who claim the standard deduction, the $4,000 deduction for college tuition, and the $250 deduction for teachers who spend their own money on classroom supplies.
2009 IRS Tax Highlights	Review these 2009 IRS Tax Highlights to learn about select new tax deductions and other benefits. Also find out what to do if you can't pay your IRS taxes, become unemployed, filed bankruptcy, lost money on a 401K and other valuable information.
Debt Settlement Advice	Debt negotiation is the process by which a person in debt (debtor) or a debt settlement company representative, negotiates with a creditor to reduce the principal amount owed (and possibly interest and fees) on an outstanding debt in exchange for prompt payoff. Read more debt settlement advice.
Close Credit Card Account	Should you; and instructions how, to close credit card accounts and the letter to send to the credit card company. High balance debt may drive you to terminate credit cards, but reducing credit limits could cause bad credit report scores. If you have problems with bills, develop a budget and a money management plan, seek counseling, consolidation or debt settlement.
Financial Education for Kids	Financial education should begin early to avoid bad credit habits. Free tips and advice to teach kids about credit, plus our free electronic checkbook register software.
Credit Card Default	Credit card default options such as debt settlement chargeoffs and counseling, and how card companies are reducing risk.
Free IRS Tax Filing Tips and Deduction Software	Review these top, free IRS tax filing tips, and download our free software that helps you easily itemize tax deductions and other expenses.
Bad Credit OK Loans	Though the credit crisis has reduced financial options for subprime people, some lenders do still offer 'Bad Credit OK Loans' and you can apply quickly and easily online.
Credit Card Debt Advice	Free credit card debt advice and solutions to either payoff balances with a loan, chargeoff, file bankrutcy or to reduce payments.
Basic Credit Education	Basic credit education so you'll know how your credit report score affects your life, approval for secured or unsecured loans, acceptance for secured, gold or platinum unsecured credit card offers, the interest rates and terms for home and auto loans and so forth.
Credit Card Interest Rate Increases	Have you suffered a credit card interest rate increase? Here are reasons why your rate may be higher, and tips on how to avoid having your rate raised. To reduce credit card debt, apply for a 0 introductory balance transfer.
Debts And Bills	Free tips to manage personal finances, reduce bills and payoff debt. Get additional help and assistance with our debt relief resources and free calculator downloads such as our checkbook register software to track expenses.
How To Reduce Debt	It seems the number one question for credit consumers is how to reduce debt and payoff balances. Here are options and free tips on how you can repay or lower bills, including a homeowner debt consolidation loan, negotiate a settlement, credit card debt chargeoff, credit counseling and balance transfer.
Biggest Debt Mistakes	Are you making the biggest debt mistakes? Avoid common errors so you can reduce bills, increase your profit margin and payoff high interest burdens like credit card debt without having to negotiate a settlement or get credit counseling.
Avoid Over Limit Fees	In a previous article, we warned how some credit card companies were reducing maximum charge limits as they faced high risks of default in a trouble economy. Unfortunately, this jeopardizes many cardholders by making them closer towards exceeding their max charge limits. Here are ways to prevent going over-limit.
Credit Card Max Lowers Score	The reduction of maximum credit limits by card issuers is causing or worsening bad credit report scores. As the economy worsens, even your credit card company; if it hasn't yet done so, may try to also lower its high risk of default and debt settlement chargeoffs.
Max Credit Card Limits Reduced	Some banks are reducing the maximum credit card limit in an effort to likewise offset the high risk of default. If you have a 0 interest balance transfer card, your introductory period could be voided by going over limit.
Money To Payoff Debt	Personal budgets are stretched thin. Here are ways to get money to repay debt. If you still have high debt balances, consider debt consolidation to combine and reduce monthly bills, credit counseling, or perhaps negotiate settlement to chargeoff debt at a lower amount.
Debt Collectors	No savings account and debt collectors calling? Even though options like credit counseling to setup repayment plans or debt consolidation loans to reduce bills, many Americans are facing a chargeoff or are negotiating settlements.
Stop Credit Card Debt Abuse	Can't payoff credit card debt because you keep charging and adding to the balance? Stop credit card abuse for greater financial security. Free tips for credit card debt reduction.
Visa Risk Manager Helps Reduce Credit Card Fraud	Visa credit card fraud reduction service is designed to enable financial institutions to easily create, test and execute credit card authorizations. Browse for Visa secured and unsecured credit card offers.
Free 2007 Tax Filing and Refund	Important free 2007 tax filing tips, special deductions, rapid refund online tax filing and costly errors to avoid.
Good Debt Relief Company	How to choose a good debt relief company; for credit counseling or to negotiate debt settlement. Avoid debt relief scams and reduce high monthly bill payments.
Free Saving Tips to Reduce Spending	Reduce spending with our free saving tips; one affects the other. Use our financial software to track expenses and to create a budget.
Improve Credit and Reduce Personal Finance Risk	Easy, often overlooked tips to help you improve credit while also helping you reduce your personal finance risk.
Finance and Women	American women are becoming better educated and career oriented, and worry more about investing in their financial future.
Pre-Bankruptcy Credit Counseling Bad News	To reduce filings, the federal government passed legislation requiring debtors to use credit counseling, AKA debt management, before they file bankruptcy. Another less preferred option is to chargeoff debt via settlement negotiation.
MasterCard Upromise Debit Card	MasterCard's debit relationship with Upromise, Inc., will allow Debit MasterCard issuers to provide cardholders and students with an innovative way to save for college education costs.
Ending the Debt Cycle	To end the debt cycle, parents and teachers must educate children on sound financial management and long term planning.
Financial Tips and Education	Credit Federal agrees that U.S. consumers should be offered complete and easily understandable credit offers, financial education and free tips.
Tax Deductions	Can you deduct pet medical expenses? Find out what IRS tax deductions are; or are not, legitimate before you expect a big refund.
Tips to reduce your car insurance premium	Lower car insurance premiums by getting competitive quotes.
Reduce Bills	You can reduce bills free on your own or you can get professional debt reduction assistance online. Create a budget with our free financial software.
Auto Refinancing Lower Payments	An auto refinancing loan not only offers an easy secured cash loan, it can also save money if you lower payments by reducing interest rates.

Common Tax Deductions	Do you have enough deductions to itemize instead of just taking the standard deduction allowed? If you are not sure, be prepared with your documentation involving mortgage interest, real estate tax, mortgage insurance premiums, and loan interest and your tax accountant give you the facts.
Senior Tax Deductions	Over 55 years of age? Review these tax deductions.
Cancelling Credit Cards Causes Bad Credit	Cancelling credit cards could cause bad credit if you reduce your credit history and available credit limit.
Identity Theft Rules	Will the new identity theft rules reduce fraudulent ID attempts? Order your annual free credit report to check for fraud and ID theft and; if so, consider placing a credit freeze.
Credit Card Offers Decline	The bad credit crisis is persuading issuers to reduce the mailout of credit card offers, but you can still browse for secured and unsecured credit cards and submit an online application.
Emergency Loan Funding	Free credit tips for emergency loan funding. Cover urgent expenses with a credit card, short term payday loan, long term equity loan, borrow money, reduce bills or negotiate repayments.
Bank Overdraft Fees Increase	Banks increase penalty overdraft fees. Now not only do you need to reduce bills, but also avoid going over your bank checking account and credit card limit.
Visa Card Issuer Fraud Recovery	Visa's fraud recovery for credit card issuers now includes the Plus and Interlink ATM network transactions to reduce losses.
Tips to Save Gas Money	Free tips to save gas money. Easily lower fuel costs, reduce fillups and improve your personal finance security by increasing savings.
Personal Bankruptcy Filing	Federal regulations may reduce personal bankruptcy filing by making it more difficult to file, yet may encourage desperate debt solutions including chargeoffs and settlements.
Bad Credit Loan Bank Rates	The Federal Reserve reduced bad credit loan bank rates. Lower interest can improve finances.
Free IRS Tax Calculator	Online, free IRS tax calculator to estimate taxes based upon taxable income after deductions. Download our free financial software.
Home Improvement IRS Tax Deductions	Home improvements performed between Jan 1, 2006 and Dec 31, 2007, are eligible for energy efficient IRS tax deductions.
Citigroup Financial Education and Revitalization	Citigroup Neighborhood Revitalization and Preservation through Financial Education project, to promote wealth and stable homeownership in communities across the country.
JPMorgan Chase Image Cash Letter	The imaging solution offered by JPMorgan Chase helps reduce time and risk to improve efficiency and lower costs.
Home Energy Efficiency Encouraged	Treasury Secretary Encourages Energy Efficiency at Home. Consider IRS tax savings and cost reduction which can aid in retirement planning.
IRS Mileage Rates	IRS tax deductions for mileage.

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