You see the ads wherever you go. They claim no less than President Obama himself encourages furthering their education, and that there’s a lot of “free” money out there to help you do it.

The simple truth is there are thousands of programs offering millions of dollars in online universities. True, there are others professional grant writers will warn are frauds. So how can you get your hands on some of those legitimate grants for college?

What it takes is patience, stamina and resourcefulness. If you have your share of all three qualities, there very well could be a a Bachelors, online degree or trade certificate in your future, without a debt that will haunt you for many years to come. Here are five tips that will help you considerably:

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