Archive for June, 2009

Do you know how to find unused college scholarships?


I've heard there are many college scholarships for things like being left handed. Does anyone know of a good resource for finding these without paying a "broker"?

www.fastweb.com. It is free to register. Be careful though…they will popup some offers for you to sign up for that are sponsored so make sure you click no on all of them. THe registration process takes a while as there are tons of questions, but you can save your progress as you go. Once you are done it will give you a list of scholarships that you are eligible for. My list has over 100 on it. Not bad for 30 minutes of work!

Scholarships or Grants for College Students studying Social Work or Human Services?

I am going to school for Human Services with a concentration in Social Work in Massachusetts. Does anyone know of scholarships or grants for college students in this field? Or where to look?

I am having trouble finding any.
I realize social workers are not paid well…and if I do not want to live in a card board box while paying off huge loans I will definitely need to look into scholarships. :)

Any advice would be appreciated. Thanks!

collegefinder.my-age.net – try this site. It has info about different US scholarships for college students and their grades requirements.

Are there college scholarships available for teens who have had weight-loss surgery?


I had weight loss surgery in October 2008, i was wondering if there were any scholarships available to me, and others like me for a 4 year college education.

Why on earth would there be? Did the surgery make you any smarter or more suitable for any particular degree program?

Entering College For Free Through Scholarship

The cost of college education is constantly increasing every year. Presently, a student has to pay for about $20,000 on an average school. The problem is, at this amount many American households find it difficult to maintain at least a member of their family to finish a degree or at least stay in school for the following year. This problem can be solved, however, through college scholarships.

There are different college and university scholarships available for different types of student. With a little knowledge on their nature, you may find one where you can fit in; and hopefully finishing college for free.

So what are your college scholarship options?

Academic scholarship

Academic scholarship is given to students who receive the highest mark in the graduation class, endorse by the school to apply for an academic scholarship or meet the necessary grade point average set by the school. If you do not fall in any of the conditions mentioned, ask your high school academic guidance counselor for details on the different ways on how to avail for academic scholarships. Usually some colleges and universities accept applicants with an average high school GPA but pass the entrance test(s).

Athletic scholarship

Colleges and universities offer free education for students with exceptional gift in sports. Recipients of the athletic scholarship are often selected among the graduating high school students. However, there are some schools that open the possibility for students to apply for athletic scholarship after they have enrolled in college.

Corporate scholarship

Many companies stretch their services by granting students with free college education. The good thing about corporate scholarship is that upon receiving the degree, the grantees are assured to land on a job (on the same company that gave them the scholarship).

Institutional scholarship

Many private individuals, institutions, and groups give free college education to those who cannot pay for college tuition. Some of them answer the need of a particular race, age, gender, and locale among others.

Union scholarship

Most union scholarship grants are given to the children of its members. If one of your parents is a member of a certain union, you can inquire about the possibility of applying for a college scholarship.

Religious organizations

Religious organizations and church groups allocate a fund for scholarship grants to their members who cannot afford the cost of college education. You can inquire about this in your church.

Local government grants

One of the best sources of free college education is your local government. Here, you can get as much as 100% scholarship grant depending on their set conditions. Availing a local government scholarship can also give you a big chance to land on a job immediately.

Know all these and you will surely go to college for free.

Low Jeremy
http://www.articlesbase.com/advertising-articles/entering-college-for-free-through-scholarship-72897.html

College Scholarship Search


For some, entering college is hard enough but with all financial obligations you and your family have been going through, there is no doubt that entering college is much more difficult.

On the average, a median college and university charges $20,000 a year per student. That would not cover other personal expenses for the whole school year. For this reason, finishing or even entering college is far more difficult that you can imagine; not unless of course if your parents have been very good in making more money than you can ever spend. Nonetheless, for most students like you and most families like yours, college could be a dream.

Not anymore, with several thousands scholarships out there, you can easily go to college for less, even for free!

But you have to remember first that not all college scholarship grants are created equal. There are those that answers partial expenses. There are those that answer full. There are other college scholarships that provide the need of minorities, particular degree the student would like to take, particular race, etc.

The question right now is: How can you locate and pinpoint a particular college scholarship that is perfectly right for you?

The answer: By using college scholarship search.

College scholarship search is the best tool you can use if you want to search for a particular college scholarship that fits you and your need. College scholarship search is far better than using the conventional search engines like Google and Yahoo if you want to locate a scholarship grant.

With college scholarship search, you have the access on the online database that can contain as much as 50,000 college funding sources. You can also have an access to millions of individual awards that is equivalent to at least 3 billion dollars worth of scholarships.

To have an access on these sites, all you have to do is to enter your personal information including your name, age, birthday, address, e-mail address, citizenship, and race among others. Other college scholarship search would require you to give your academic information about yourself. This would include your past scholarship grants and awards received.

College scholarship search will give you the ultimate ease that would lead you to the best and most suited scholarship you can get. And the best thing about using this is that, you don’t have to search far and spend too much time on the web. The college scholarship search is all you need.

Low Jeremy
http://www.articlesbase.com/education-articles/college-scholarship-search-92427.html

Bad Credit Student Loans: What Should You Do?

Going to college is a very expensive business and most students resort to taking out loans to fund part of the process. If you are worried about not being able to take out a new student loan now that you are off to college, because you have a bad credit history then do not despair because there are ways around this. Even if you no longer qualify for certain loans there are various options that are available to you that if you find yourself in need of a bad credit student loan. There are Federal Stafford Loans, Perkins Loans, Pell Grants and other kinds of grants and scholarships.

Bad Credit Student Loans: What Do You Need To Disclose?
The good thing about these options is that it doesn’t matter how bad your credit score is as they are not based on a credit check, so you won’t have to answer any questions about your financial status although collateral may be required in some instances but not all.

Bad Credit Student Loans: The Stafford Loan
There are two kinds of federal Stafford loan – subsidized and unsubsidized. These are relevant to all students regardless of their credit history as it is not a consideration. The subsidized Stafford is based on the economic needs of the student and the government pays the interest on the loan. The unsubsidized Stafford Loan is available to every student, regardless of need but the amounts given are not substantial but you can reapply every school year.

Bad Credit Student Loans: The Federal Perkins Loan
This is another loan subsidized by the government which does not require a credit check. Both undergraduate and graduate students can apply with loans of between $1000 and $4000 awarded in any one school year. In total you cannot borrow more than $20000.

Scholarships and Grants
Nearly every state government gives out grants and scholarships as do many professional bodies so it is worth doing some research, depending on your chosen subject, as these institutions will not be interested in your credit history.

Disadvantages of Bad Credit Student Loans
On the whole it is relatively straightforward to get a bad credit student loan. However, interest rates of these bad credit student loans are higher than a normal student loan because of the increased credit risk. If you have to borrow money then make sure you only borrow what you really need. Try not to overstretch yourself as you don’t want to end up in debt forever.

LISA DAVIES
http://www.articlesbase.com/finance-articles/bad-credit-student-loans-what-should-you-do-133555.html

Scholarship Programs: Obtaining a College Degree The Easy Way


Getting a college degree is one of the steps towards landing a good-paying job later on. Every single job positions today require an individual with a baccalaureate degree obtained from an accredited college or university. In other words, it is important that you have a college degree which will serve as your passport in getting a good-paying job in the future.

All high school graduates are eligible on obtaining a college degree. However, there are some students that can not continue their college studies due to lack of money. Unlike in high school, the cost of getting a college degree is expensive. In addition, as you go on with your studies, the cost every year is increasing. If your parents are just simple office employees and you have siblings who are still studying in their elementary or high school education, it will be just hard for them to sustain your college education.

Fortunately, college scholarship programs are now available for you in case your parents can not fund your college education. These scholarship programs will be the one to sustain your expenses while studying. It includes payments of all the fees and on some cases, giving you monthly allowances (depending on the scholarship program you enrolled with). All of these will be given to you in exchange for a strict compliance of their terms and conditions while availing their program.

Good Grades: Way of Getting a Scholarship

There are many ways of obtaining a scholarship. The conventional way is from the grades that you have obtained during your high school years. If you are the valedictorian or salutatorian of your high school class and you have good scholastic achievement test (SAT) scores, most likely you will be getting either a full or a partial scholarship grant. All you have to do is to inquire on the school of your choice if they are giving such scholarships or there are other organizations that will take care of it.

Common Scholarship Programs

Your good high school grades and SAT scores is your passport in getting a scholarship. It is time that you choose the scholarship program that you will be able to maintain with while studying. Here is a list of common programs you can apply for.

â?¢ College Scholarship

It is a scholarship program that is awarded by the college itself. Once passed the application, the college where you study is willing to shoulder the expenses that you will incur during the course provided that you abide to the terms and condition specified in the contract.

â?¢ Athletic Scholarship

This program offers scholarship for highly-gifted student athletes. Generally, one of the conditions in exchange for funding your studies is to be one of the pool of athletes that will be representing your school in either state or national sports event.

â?¢ Departmental Scholarship

It is awarded by a specific department of a college to either attract or retain students for courses run by that particular department. The terms and conditions that will be applied are just the same when getting a college scholarship. They are focusing mainly on the academic capability of their grantees.

â?¢ Privately-funded Scholarships

There are also private organizations that are willing to shoulder your college expenses. These organizations are usually private companies who want to attract students into a particular line of work which they are into or civic organizations such as Masons, Elks, or Rotary which offers scholarship if one of your family member is a part of their organization.

There are many opportunities you can avail in order to finance your college studies. All you need to have is good academic records and of course, your dedication in getting your college degree.

Sandra Stammberger
http://www.articlesbase.com/finance-articles/scholarship-programs-obtaining-a-college-degree-the-easy-way-24934.html

How to Afford the Beauty College in California of Your Dreams

Attending a beauty college in California can be the best thing you have ever done to advance your career as a salon professional. However, it can also be one of the heftiest investments you will ever have to make. The cost of attending a beauty college in California has drastically increased over the past 10 years, even outpacing inflation (and probably the rate of return in your savings account).

Still, while paying for an education at a beauty college in California may pose a challenge, it is definitely not an insurmountable one. With the right combination of hard work, discipline, ingenuity and luck, just about anyone can figure out a way to pay for a degree from a good beauty college in California.

Just like all of the other colleges and universities from across the country, many beauty colleges in California offer financial aid and scholarships to those who qualify for them. Some may be need based, while others are based on merit alone. But either way, if you are thinking about attending a beauty college in California, you should definitely apply to every scholarship that you can find.

In addition to applying to scholarships and grants offered by the beauty colleges in California themselves, you should also apply any federal and outside scholarships that you qualify for. There is a lot of money out there that can help cut down the costs that go along with attending a beauty college in California, all you have to do is make the effort to look for it and get it. Search online, buy scholarship searching tip books and do utilize every resource you can to find the money that is available. Also, make sure that when you apply for the scholarships your applications are free of any errors in spelling or grammar.

If you are not currently a state resident but still want to go to a beauty college in California, you also have to factor in the cost of moving to your budget. In addition to paying for the transportation to the city that the school is in, you will probably have to pay for a security deposit and one months rent in advance to get into a house or an apartment. Usually, scholarships will not pay for those types of expenses, so you may have to take out a student loan to give you the extra money you will need.

Phoenix Delray
http://www.articlesbase.com/college-and-university-articles/how-to-afford-the-beauty-college-in-california-of-your-dreams-455846.html

Financial Aid For Online Students – What is Possible and Where


In this day and age, going to college is virtually essential if you want a well-paying occupation that can sustain a quality way of life. However, college is not cheap – it can be very expensive, depending on the prestige and quality of the university, the program you are interested in enrolling, and how long it will take to earn your degree.

Therefore, it’s essential to get as much financial aid as you can. And yes, even non-traditional (over age 25) students that are taking online courses can receive financial aid.

First, you can file for the Free Application for Federal Student Aid (FAFSA) at any age; the main requirements to qualify are (taken from the FAFSA website):

“- You have to be a U.S. citizen or eligible non-citizen. – You have to have a valid Social Security number (unless you’re from the Republic of the Marshall Islands, the Republic of Palau, or the Federated States of Micronesia.) – You comply with Selective Service registration, if required. – You have a high school diploma, General Education Development (GED) Certificate, or pass an approved ability- to-benefit (ATB) test. – You have to be enrolled or accepted for enrollment as a regular student working toward a degree or certificate in an eligible program at a university that participates in the federal student aid programs. – You must NOT owe a refund on a federal grant or be in default on a federal student loan. – You must have financial need (except for unsubsidized Stafford Loans.) – You must NOT have certain drug convictions. – Other requirements may apply, depending on the university you apply to.”

How much financial aid you can expect to receive from FAFSA is dependent on your Expected Family Contribution (EFC,) your year in school, your enrollment status, and the cost of attendance at the school you will be attending. You should contact your university’s financial aid office to see how much you can receive at that school.

If you are attending an accredited university, your school will send you a 1098-T form at the beginning of each year. This form will include important tax information about your education-related expenses that the school has to send to both you and the IRS. Once you receive this information, you can then file for tax deductions that can save you up to $2,000, including the following –

The Lifetime Learning Tax Credit – available to all students who take at least one class from an accredited school. Qualifying students can get credit for 20% of the first $10,000 they spend on educational expenses, up to a maximum of $2,000. To be eligible, single filers must make an adjusted gross income of less than $52,000 and joint filers must make less than $105,000.

The Hope Scholarship Tax Credit – offered to students who are enrolled at least half-time and are in their first or second year of undergraduate study. Filers who meet the income cap requirements (same as for the Lifetime Learning Tax Credit) and who have no felony convictions involving the possession or distribution of controlled substances can receive up to $1,500 in credit.

Higher Education Tuition and Fees Deduction – the income cap requirements are higher with this option, as singles with adjusted gross incomes between $65,000-$80,000 and families who make between $130,000-$160,000 are eligible for a $2,000 deduction.

Other types of aid include government and private loans, government, university, and private grants, and university and private scholarships. There are ones available for non-traditional students as well. There are online resources that can help you locate ones that are specifically for non-traditional students. The Fastweb Scholarship Database lists more than 50 awards that have a minimum age requirement of 30 or older and over 230 awards with a minimum age requirement of 25 or older. Over 1,800 awards have no age restrictions at all.

Regarding loans, if at all possible, try to obtain government loans – they usually offer the most reasonable rates and terms compared to private loans from banks.

While many schools restrict eligibility for the school’s own financial aid programs to the first Bachelor’s degree, some schools will waive that restriction if an adult is returning to school and working toward earning a second degree in preparation for a career change. Check with your university to see if you’re eligible for their financial aid programs.

Also check with your current employer to see if he/she is willing to reimburse you for part or all of your tuition. Of course, this likely will only happen if you are taking courses to further your current career and are likely to remain at the company you are currently working at, but if you fall into this category, you should seek out your employer to see if he/she can help ease the financial burden of your courses.

Paying for college is never easy, especially for non-traditional students who don’t qualify for many forms of financial aid, but by utilizing the Internet and other resources, you can find loans, grants, and scholarships that you are eligible for to help make your return to college a bit easier on your finances.

Bryan Wong
http://www.articlesbase.com/education-articles/financial-aid-for-online-students-what-is-possible-and-where-107719.html

Merit Scholarships Should Be Earned Not Handed Out

I’ve read about the decisions of flagship state universities to increase merit-based, not need-based scholarships to the best-of-best students, the ones who might have chosen an Ivy League school, or other highly selective private college.

This is not an academic strategy as much as it is an economic development strategy; state politicians do not want the best students to take their talents out of state, and possibly never return. However, this is an expensive strategy, as a state university ends up pursuing students who have not marked it down as their first-choice school. That’s unfair to other students who can get accepted, but truly need financial assistance to enroll. It’s also unfair to ask bright people to consider staying in a state that has lost employment or failed to improve its quality of life. Bright people gravitate to places where other bright people want to live and work.

The fairest, but most improbable, option is make the flagship school tuition-free for everyone, regardless of need; the only non-academic expenses being housing or commuting. Free tuition would also make the school more selective, since it becomes a powerful incentive that any admitted student can receive – as long as they get in. In this case, merit isn’t a hand out, it is earned from competition.

City College of New York (CCNY) was a free institution when my father and the early Baby Boomers went to college and it was regarded as one of the best public institutions in the country. But free tuition sometimes means fewer amenities; for instance, Cooper Union, a top notch engineering and design school in New York that had been free from day one, has no luxury dorms or football teams. But if you get into to join ultra-selective group, and pay nothing, the lack of amenities should mean nothing, if there are rewards to come. Cooper Union must be doing something right; only 10 percent of their applicants get in. The same is true for the more modern, and free, Olin College of Engineering in Massachusetts, and with our military service academies. But Cooper Union, and Olin are small schools, and our three military service academies are mid-sized with approximately 4,500 students each. They do not come close to having the enrollment obligations of a flagship state school.

So I’d like to offer a suggestion: make the merit-based aid awards fairer and more accessible to students who truly want to attend a flagship school – by asking the students to apply for them after they get in. Junk the numbers: SATs, grades and class rank from the process and have an open competition among admitted students based on essays, portfolios and interviews, just as the Ivy League schools do. Any applicant who believes that they are worthy of a free ride gets a shot to prove it. And don’t guarantee a free ride for four years; make the recipient prove that they are worthy each year. I know people knock athletes for their free rides, but they’re asked to make athletic progress and academic progress to maintain them. An athlete who gets out of playing shape or gets in trouble is kicked off the team, and quite often, kicked out of school.

I realize that a competitive merit scholarship program may be more cumbersome for financial aid officers at the flagship universities, but a state school is different from a selective private school. It has more resources, but it takes a very self-motivated student to learn out how to use them. The best and brightest who expect to be coddled by their college may not succeed at a less personal state university. So, why hand them money that should rightfully go to a student who really wants to be there?

Stuart Nachbar
http://www.articlesbase.com/education-articles/merit-scholarships-should-be-earned-not-handed-out-436681.html

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