You're both younger than I am? I was in third grade! Man, I have officially reached the age where I have to stop assuming that people with, like, real jobs and lives and things are older than I am!
Ahem.
For Challenger, I was in third grade. I wasn't in class at the moment, though I don't now know why. I was in the hallways, presumably on some errand or another. The woman who had been the teacher's aide in my second-grade class stopped me and asked if I'd heard. This was a California school; we didn't have televisions in the classrooms, and even if we had, the disaster was something like eight minutes after school started in the morning, and we wouldn't have been watching. I'm not sure how she knew. However, she saw me and told me.
I was stunned. I remember waking up very early the morning of the first-ever launch, and while I was not huge into the space program, not by the standards here, I was thrilled that we had one. The idea of the space program was always more interesting to me than the space program itself, I think, and even at that age, it was pretty clear that this meant we weren't going to have one for a while. And of course, while I didn't personally know people whose jobs depended on NASA, I was well aware they existed--whenever we leave LA going north, we pass JPL.
For Columbia, I was on my way to work at my awful, dead-end job. I was about ninety percent sure that there would be no one there who would care/be willing to talk to me about it. A few people were, but for the most part, my coworkers tended to be more interested in whatever movie was coming out or whatever celebrities were getting married/divorced/pregnant/whatever. I was also concerned that, once again, we would stop having a space program for far too long because of it.