Maybe you should not have timed going back to school with building a new house. I know I'm being snotty, but when I was a young mother in school, my husband and I lived in a $400/mo duplex that was a POS rodent-and-ant-infested dump. Our income was very low (<$30k for a family of 3) and my grades were excellent, so I did get federal grants and scholarships. I think government need based grants are for people with truly low income, not people who don't want to sacrifice in one area to have what they want in another. I hope you do find a grant, but I highly doubt you'll qualify for one from the government. Take the loans you're offered, suck it up, and pay them back when your finished. If your new career won't allow you the income to pay back loans, well, you might be making a bad decision there, too.