Paying for College While Working Full-Time

older woman at dbu

Thinking of going to college as an older adult?

More and more students over the age of 25 are returning to college. In fact, they make up nearly half the current college student population. However, this decision often requires overcoming obstacles related to time, balancing family commitments, and of course money.

So how do you make your dream of receiving a college education come true without putting your financial future at risk?

  1. Ask plenty of questions of the institution in which you are hoping to enroll. Contact their Financial Aid Office, discuss your concerns, and learn about the various ways you can responsibly finance your education through loans, grants, and scholarships.

For prospective DBU students, financial aid information can be found on the Office of Financial Aid's website, but if you wish to speak to someone about your questions or concerns, do not hesitate to call (214) 333-5363 or email

  1. Talk with your employer or the director of your HR department to see if your organization provides education benefits for employees going back to college to improve their skills and advance in the workplace. If furthering your education will benefit the company you work for, they may be open to covering at least part of your expenses.
  2. Take the time to search the web for scholarships that apply to your background or career field – this is money you can use for college that you won't need to pay back.
  3. As an independent adult, you are also eligible to receive special tax breaks for being enrolled in college, such as the American Opportunity Tax Credit and the Lifetime Learning Credit. Visit and/or to learn more about the important eligibility requirements and deadlines for each of these educational tax benefits.
  4. Learn more about federal and private loans at The Free Application for Federal Student Aid is available to college students of all ages and can be filled out at As an older student, you are now considered an independent, and if you are not married, you may qualify for even more aid depending upon your current income status. Don't be afraid of taking out loans. Your education is a worthy investment, but first, learn and ask about the scholarships and federal and state-based grants you may be eligible to receive.                                                                       

Additional Resources

Below are a few other helpful websites that provide more information about financing the costs of a college education:

Above all, don't do it alone.

Ask questions of your institution and let them guide you through each step of the process. They are there to serve you and help you confidently and responsibly accomplish your dream of achieving or furthering your college education!

About Dallas Baptist University

Dallas Baptist University is a comprehensive Christ-centered university dedicated to producing servant leaders through the integration of faith and learning. With an enrollment of over 4,200 students, DBU's main campus is located in the foothills of southwest Dallas. DBU offers 77 undergraduate programs and 39 graduate degree programs in various fields, online college degree programs, and two doctoral programs. Get more information about Dallas Baptist University ( by browsing our website, emailing, or by calling (214) 333-5172.

Written by Dallas Baptist University