What Is the TEACH Grant and Who Can Use It?

The TEACH Grant (Teacher Education Assistance for College and Higher Education) is a federal cash award for people who want to become teachers in high‑need schools. It’s not a loan, so you don’t have to pay it back—unless you break the service agreement.

To qualify, you need to be a U.S. citizen or eligible non‑citizen, enrolled in an eligible program, and maintain a minimum 3.25 GPA. The grant gives up to $4,000 a year, but you’ll only receive the money after you finish your coursework and sign a teaching contract.

How to Apply for the TEACH Grant

First, make sure your school participates in the program. Most community colleges, state universities, and some private schools are approved. Look for the “TEACH Grant” checkbox when you fill out the FAFSA (Free Application for Federal Student Aid). If you leave it unchecked, you’ll miss out.

Next, pick a qualifying teaching field—like math, science, special education, or bilingual education. After you’re accepted, you’ll sign a TEACH Grant Agreement to Serve (TGAS). This contract says you’ll teach full‑time in a designated high‑need school for at least four academic years within eight years of receiving the grant.

Keeping the Grant: What You Must Do

The biggest trap is the service requirement. If you quit early, move to a private school, or fail to complete the four‑year stint, the grant turns into a Direct Unsubsidized Loan. That means you’ll owe the full amount plus interest.

To avoid this, keep detailed records of where you teach, the dates, and your full‑time status. Your school’s financial aid office can help you submit the required certification each year. If you switch schools, make sure the new position also counts as a high‑need placement.

Another tip: start planning your teaching job early. Contact school districts in high‑need areas while you’re still in school. Many districts have hiring pipelines for TEACH Grant recipients, which makes the transition smoother.

Finally, remember the grant only covers tuition, fees, and required course materials. You’ll still need separate funding for living expenses. Look into work‑study, scholarships, or part‑time jobs that fit your class schedule.

By following these steps—checking school eligibility, completing the FAFSA correctly, signing the TGAS, and staying on track with your teaching service—you can turn a $4,000 award into a debt‑free start to your teaching career.

Got questions about the TEACH Grant? Reach out to your college’s financial aid office; they’re the best resource for up‑to‑date details and help with the paperwork.