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11+learning-investment

Scholarships Grants and Support

Identify available scholarships, bursaries, and grants and explain why researching and applying for them before borrowing is always the financially sound first step.

In this lesson

Scholarships Grants and Support is part of Paying for Education and Training. This preview shows how learning-investment connects to everyday family decisions such as earning, saving, spending choices, goals, approvals, or parent-guided money conversations inside Progress Penguin.

Think about this money choice

Kemi cannot afford her university fees. Her friend tells her there are scholarships and bursaries she has not applied for.

How it works

Scholarships, bursaries, and grants are funds awarded to students that do not need to be repaid. They exist at universities, professional bodies, government agencies, and private companies. Many go unclaimed because applicants do not know they exist or assume they will not qualify. Researching and applying for available funding before taking a loan is always worth the effort.

Apply it to a real decision

Real-life money moment: Kemi assumes she cannot afford university and begins planning to borrow. Her friend tells her about a state government bursary and a private sector scholarship that together cover 70% of her fees. She applies and receives both. The loan she was planning to take is reduced by 600000 in local currency over the course of her degree. Two applications replaced three years of debt.

Activity preview

Test the trade-off

Use the lesson to complete this short practice activity.

Build your own savings goal

Progress Penguin will guide you through the goal name, target amount, and deadline. When you finish, you will return to this exact lesson step.

Quiz preview

Scholarships, grants, and support refer to:

Loans offered at reduced rates for students from lower-income households
Part-time work opportunities provided by institutions to offset fees
Funding you do not have to repay that reduces the cost of education
Discounts offered by institutions to students who pay fees in advance

You qualify for a 400000 in local currency scholarship towards a 1000000 in local currency course. Net cost to you:

1000000 in local currency — scholarships are counted as income and taxed back
600000 in local currency — the scholarship reduces what you personally need to fund
400000 in local currency — the scholarship amount is your total personal obligation
1400000 in local currency — scholarship plus your contribution represents the cost