Affordable Pathways & Funding Options

Funding career training and higher education can be a major investment, but it doesn’t have to be overwhelming. If you’re considering a career in behavioral health, there are several ways to make your education more affordable—whether you’re still in high school, just starting out, or returning to school to advance your career. In Ohio, a range of programs, financial aid opportunities, and cost-saving strategies are available to help students and professionals enter the behavioral health workforce without taking on significant debt. From earning free college credit in high school to taking advantage of scholarships, grants, and loan repayment programs, you can find a pathway that supports both your goals and your budget.

In Behavioral Health

While In High School

In Ohio, high school students can significantly cut the cost of their college education by earning college credit before graduation. Through the state’s College Credit Plus (CCP) program, students in grades 7–12 can take public college or university courses—either at their high school, on a college campus, or online—for free, including tuition, fees, and textbooks.

In the 2022–23 school year alone, Ohio families saved an estimated $193 million, with students earning hundreds of thousands of credit hours across the state. statenews.org

Other options like Career‑Technical Assurance Guides (CTAGs), Advanced Placement (AP), and International Baccalaureate (IB) also offer college credit potential—often at little to no extra cost. 

By combining these pathways, students can enter college with a head start—already equipped with college credits, reduced tuition bills, and more flexibility to focus on majors, internships, or even graduate early.

Consider Community College to Start

Starting your education at a community college is a smart way to lower the overall cost of earning a degree. Community colleges typically offer significantly lower tuition rates than four-year institutions, allowing students to complete general education requirements at a fraction of the cost. Many students transfer their credits to a university later through established transfer agreements, continuing toward a bachelor’s degree without repeating courses. In addition to saving money on tuition, students may also reduce expenses related to housing, commuting, and fees by staying closer to home. This path can make higher education more accessible and financially manageable, especially for those balancing school with work or family responsibilities.

Community College

Community colleges are public institutes of higher education that primarily offer training and certification programs, and two-year Associate's degrees. Community colleges are designed to be:

  • Local. Many students live in their usual home while attending classes.

  • Diverse. These schools support traditional college students, adult learners, degree-seeking students, students taking just one course, and more. Some have expanded resources for students with children, students with disabilities, and other groups.

  • Affordable. Cost per credit hour remain low, and scholarships are often available.

  • Flexible. Classes are offered on evenings, on weekends, and online, to accommodate working adults. 

Ohio has 22 community colleges. To learn more, visit the Ohio Association of Community Colleges. 

Earn while you Learn

Entering the behavioral health field while continuing your education can be a strategic way to reduce overall education costs. Many entry-level positions—such as peer support specialists, mental health technicians, or case aides—require minimal upfront training and allow you to earn income while gaining valuable experience. Working in the field may also make you eligible for tuition assistance, employer-sponsored education benefits, or state-funded programs that support the behavioral health workforce. Additionally, hands-on experience can strengthen your applications for competitive programs and help you clarify your long-term career goals, making your education more targeted and cost-effective.

Financial Aid for Behavioral Health College Students


Scholarships & Grants:

  • The Great Minds Fellowship, a collaboration between the Ohio Department of Higher Education and the Ohio Department of Mental Health and Addiction Services, offers scholarships up to $15,000 for students nearing graduation in eligible behavioral health fields. Funding can also cover internships and licensing fees.

  • The Talent Ready Grant may provide up to $2000 for tuition and fees for certain certificate programs.

  • Explore Ohio-specific scholarships from universities, colleges, and organizations.

  • The National Health Service Corps (NHSC) Scholarship Program offers scholarships in exchange for service commitments. 


Federal Student Aid (FAFSA):

Completing the Free Application for Federal Student Aid (FAFSA) is crucial for determining eligibility for federal and state aid. It can also provide automatic consideration for certain scholarships. You'll need an FSA ID and permission to retrieve tax information from the IRS to complete the FAFSA.


Loan Repayment Programs:

  • The National Health Service Corps (NHSC) Loan Repayment Program can provide up to $50,000 for a two-year commitment at approved sites.

  • The Ohio Department of Health (ODH) offers programs that assist professionals working in underserved communities. These programs include:

  • Ohio Physician Loan Repayment Program

  • Ohio Health Professionals Loan Repayment Program

  • Ohio Substance Use Disorder Professional Loan Repayment Program

  • The Substance Use Disorder Treatment and Recovery (STAR) Loan Repayment Program offers repayment for a service commitment at approved facilities.

  • Public Service Loan Forgiveness (PSLF) may be available for those working for public or non-profit organizations with federal loans after 120 qualifying payments.

  • Income-Driven Repayment (IDR) Plans can base federal loan payments on income and family size, with potential forgiveness after 20-25 years.


Additional Tips:

  • Contact university financial aid offices for program-specific information.

  • Research potential state and local loan repayment options.

  • Verify eligibility criteria and be aware of application deadlines for each program.


Exploring these options and reviewing eligibility requirements can help you find financial assistance for your behavioral health education in Ohio.