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Tips On Finding And Applying For Scholarships

College education is becoming more and more expensive each year, and with the current state of the economy, getting that degree is further shoved away from those who are financially challenged. However, if one is resourceful, there are ways to finish a college degree without having a big financial cash outlay. Grants and scholarships, for instance, can ease the financial burden of going to college. What’s great about this type of financial aid is that, not like a loan, a scholarship requires no repayment. In essence, you will be getting free cash to finance your college education.

To land a scholarship you have to meet the eligibility requirements of the sponsor. Scholarships are granted on the basis of need or merit. Need-based scholarships are given only to those who can demonstrate financial need. The latter on the other hand are provided to those who showed great talent and skill in sports and the arts, and those who show academic excellence. There are also scholarships that are not given on the basis of need or merit, but instead for certain student characteristics or interests.

Application for scholarships can be easy or hard. Scholarships with no essays are usually uncomplicated, while those that are granted based on GPAs are challenging. Then again, considering that you will be competing with several, possibly hundreds of applicants, who are just as eligible for the scholarship as you, you still need to prepare and submit your applications early.

The good thing is you may qualify in several scholarships. You can begin your search by using online scholarship databases or asking your guidance counselor. Online scholarships databases pool together hundreds of financial aid from various sources. Most of these websites have easy-to-use search or browse tools, which make finding no essay scholarships or any kind of grant for that matter conveniently.

Keep in mind that sponsors, more often than not, evaluate applications and not applicants. Having said such, you need to sometimes critique your application from the perspective of the sponsor, and match your background information with the sponsor’s goals. You should send your applications to several sponsors, even though the amount you can get from them is not that large. Several small awards can add up to a significant amount of money and will possibly add a line to your resume that you are a recipient of a particular scholarship.

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Posted on May 1, 2012 by , Reply

How I Appled For Pell Grant

It never really crossed my mind that I would apply for Pell grant.I do need a scholarship for my college education but I never really thought I would be qualified for it.I know fairly well that the process is very rigid and would cause a lot of trouble.But as time drew nearer and the need went stronger I pushed myself to try applying.

I checked on various scholarships being offered but one of the most tempting ones was that of the Federal government.The grant is a financial aid for those citizens who cannot afford to pursue a college education.The amount of assistance is really enough to breeze your way through college.However, the application process is quite rigid so I did have second thoughts.

A friend of mine was also applying and tried to convince me that it’s worth the try and that we’re going to do it together.So I decided to apply for Pell grant.

I did my application online.I downloaded and filled out the FAFSA form.After giving all the required information I mailed the form to the FAFSA address.The submission can also be done over the web but I still preferred the mailing option.

The eligibility to apply for Pell grant was not much of a problem for me.We had a low family income and it would surely make me qualified for the grant.Neither was I worried of citizenship since I was born and raised in the US.

After sending out the form I simply waited for the SAR or the Student Aid Report as to whether or not I was actually qualified for the grant.Soon enough I received feedback informing me that I’m qualified.I came to realize that it was not so hard to apply for Pell grant and it was all worth it.I’m currently receiving the financial aid and soon enough I will be graduating with the help of the Pell grant.

Posted on February 13, 2012 by , Reply

Easing Your Financial Burden In Attending College By Getting A Pell Grant

I can say from experience that the Federal Pell Grant is helpful. Although there is no denying that the sum of money I received from such grant is not enough to pay the entirety of my schooling expenditures, I am truly appreciative of the fact that it was able to ease out my financial burden especially so because I come from a low-income household.

At the same time, being a recipient of the Pell Grant made be eligible for other student financial aid package as well, meaning I was able to add to it other federal and non-federal scholarships thereby allowing me to save on cost even more. Another neat aspect of this federal student aid program is that they do not require repayment in cash; instead it requires its beneficiaries to maintain satisfactory progress in academics and stay out of legal trouble to remain in the program.

The Federal Pell Grant is intended for students who come from low-income households such as myself and those who are living independently with meager earnings. Also, the grant is only made available to United States citizens or those considered as eligible non-citizens. In addition, applicants should be a high school graduate or holder of a GED certificate and have not earned a bachelor’s or professional degree yet.

The first step in applying for the Pell Grant is by completing the Free Application for Federal Student Aid (FAFSA) form on or after July 1 of each year. Nowadays, students already have the option of completing the said form via the Internet and that was exactly what I did. I recommend the latter, aside from being convenient, application turnaround is much faster. The form can be found on www.fafsa.ed.gov, and it can be filled out on the website itself. Filling out the form was relatively easy since the instructions were fairly self-explanatory. The FAFSA consists of multiple questions, at least 130 if I remember correctly, and these were about my assets and that of my family, income, as well as dependency. From what I understand, these factors are evaluated by the Department of Education and entered into a formula which determines Expected Family Contribution (EFC). The result of which decides how much I can get to use for one reward year.

My request for federal student aid was evaluated and in five days time I got my Student Aid Report (SAR) and request approval notice through email. The school then provided me a written document which detailed how much I got from the Pell Grant program, as well as the process and schedule of disbursement.  

Posted on January 22, 2012 by , Reply

How To Process A Pell Grant Assistance Application

With the current condition of the economy and the rising cost of living, fewer households nowadays could afford sending their kids to college. Earning a living seems nothing more than earning for subsistence level.

More and more students look for options such as federal grants, scholarships and loans to get through college. At the top of most household’s lists are Pell Grants. Compared to student loans, Pell Grants are financial assistance grants that need not be paid off. Students that qualify for this grant receive assistance that is as good as cash. But remember, nothing comes easy and you need to satisfy certain requirements to become eligible for Pell Grants.

There are Pell Grant requirements that a student needs to satisfy in order to get the much needed assistance. Certain documentation need to be submitted as well as qualifying financial status.

As for Pell Grant reqquirements, a student who has a higher financial need is more likely to be awarded. Financial need is             the difference between the Cost of Attendance and Expected Family Contribution. CoA is the expected cost of education while EFC is a family’s capacity to pay.

Not everyone can apply for a Pell Grant. The first requirement is an applicant needs to belong to a low-income family. This factor is reflected in the Pell Grant equation as EFC or expected family contribution. With low EFC, Financial Need increases because only a small factor is subtracted from the CoA. Its because of this that is why students with families that have low EFC are more likely to be granted. As of 2011, the threshold for EFC is $5,273.

Next to the list of Pell Grant requirements is the fulfillment of the Free Application for Federal Student Aid. In this application form, you would have to declare your family’s income, your personal income, household size, and number of siblings going through college or professional studies.

Pell Grant requirements also state that you should not have finished a bachelor’s degree in the past. And finally, and quite obvious as well, being incarcerated in a federal institution is a big NO.

Posted on January 21, 2012 by , Reply

Starting Out Your College Application Process Early

Its your senior year at high school and processing your college applications should be started early. The month of October signals the start of processing your college application.

Before anything else, decide if you are determined to go to college and finish it. Ask yourself what you would want to do after high school or what career path you would want to take for the next 20 to 30 years or more of your life. Afterwards, make your colleges and universities checklist. Start the paperworks and take your exams, start your essay, download forms, order your college transcripts and get those recommendation letters. Everything you need can be downloaded online. Weird scholarshipsare based on unique characteristics.

Once you have collated the necessary documents and processed the initial stages of application, it’s time to finalize your college admission essays. Now this is a very important part of the application process, especially if you are applying for a university. Keep it smart, entertaining, witty and out of the box. After all of the ruckus with the paperwork is done, start sending them off. To verify your checklist, you must have college admission form, essays, exams, transcripts and recommendations.

Now that you are done with the paperwork, the next thing to prepare is another type of paper, and they are colored green. You need to have a plan on how to put up your college fund. If your parents are rich folks then you need not read further. But if you belong to a regular household, then you understand the important of getting sources for funds.

There are student loans, scholarships and government grants that you can apply for. It’s easy to get granted a student loan, but it’s hard when you know you need to pay for them. Scholarships are free but you need to maintain your score. The government has its grants but you need to have high financial need. And who would have thought that weird scholarships do exist. 

Posted on January 18, 2012 by , Reply

Alternative Means Of Going Through College

Getting through college seems to be an insurmountable task especially with the current condition of the economy.  A bright career awaits our college graduates but it seems that future is put on hold because our salaries are hardly enough to pay for daily costs of living, let alone paying for college tuition.

If you do not have enough money for college, you can find alternative ways to get matriculation. There are federal government grants, left handed scholarships, and student loans to help you out. Federal grants are usually reserved to the financially challenged. These are provided at limited slots and you need to submit a lot of requirements. The best example is the Pell Grant which is granted based on Financial Need computation derived from your family’s salary and the cost of attendance.

If you want to be more independent, then take a student loan that you can pay off after college. There are 3 major categories for student loans, federally subsidized, unsubsidized sponsored by the government and private loans. There are also financial considerations that you need to meet in order to qualify but they are not as strict as federal grants. The usual interest rate is 6% and is non-negotiable. These loans are usually paid off six months to a year after you graduate or leave school, regardless if you are not finished.

Scholarships are by far the best source or student aid. There are a lot of private institutions and Universities that offer scholarships. Different types of scholarship are need based, merit based, student specific, and career specific scholarships. Every scholarship has its own requirement. Top notch jocks are offered full scholarships for their contribution in the school’s academic program. Intelligent students are awarded scholarships for their academic capabilities. But other than traditional scholarships, there are weird scholarships as well.

Weird scholarships are based on unusual traits or skills. There are duck calling, skate board, potato industry, duct tape and left handed scholarships. Weird as they come, there are a lot if you browse the web and they give a good deal of tuition money.

Posted on January 13, 2012 by , Reply

A Story Of How My Height Helped Ease My Schooling Expenditures

Although expensive, there is no question that college education is important, being that it can improve a person’s earning potential. Prior to graduating from high school I already did an intensive search for financial aid options which I can utilize to take away some of the financial burden of attending college. One of the scholarships I was able to get was worth $1,000, and I was able to qualify for it because I’m tall, 6’3 to be exact. Yes, you read it right. I got a thousand bucks to use for my studies because I am tall.

The Tall Clubs International (TCI) scholarship is among the widely known unusual scholarships for college students. To qualify, ladies should not be shorter than five feet ten inches, and for gents, six feet two inches. I downloaded the application form from the foundation’s official website and got in touch with a TCI member club to request for sponsorship. There are at least fifty TCI member clubs in North America, and about twenty percent of them are here in California.

I learned about unusual scholarships from a cousin who also was able to avail one while she was still a college sophomore. Her student aid package, also valued at $1,000, was granted on the basis of being left-handed. There are plenty of unusual scholarships these days and the Internet is the best place to find them. I simply typed unusual scholarships on the search bar of my web browser and checked out the websites on the results listing. I also came across websites that aggregated these wacky scholarships. To obtain these scholarships you have to pass their stringent eligibility requirements.

Every organization providing these scholarships has its own rules regarding the eligibility requirements and application process, and these are in most cases detailed on their official websites. Occasionally, you have to take part and win a competition to get these scholarships. For instance, there is one contest wherein applicants should wear a dress or suit constructed from duct tape during their prom night. Whoever has the best looking get-up will win five thousand bucks worth of college scholarship.

Although these scholarships have very specific eligibility requirements, it is possible to qualify in more than one of them. Even better is that they can be added to other grants and scholarships both from private and government sources to reduce the cost of attending college even more.

Posted on January 4, 2012 by , Reply