July 14, 2008
The Voice of Democracy Scholarship is an annual competition administered by the Veterans of Foreign Wars’ (VFW’s). Since 1947, the organization has been helping students pay for school, giving away more than 2.5 million in prizes each year. To compete, students will have to write and record a broadcast script that addresses the following theme: “Service and Sacrifice by America’s Veterans Benefit Today’s Youth by...”The applications will be judged on originality, content and delivery.
Prize: 1. Up to $30,000 in scholarship money 2. An expense-paid trip to Washington, D.C.
Eligibility: 1. Applicant must be a student in grades 9-12 2. Applicant must be enrolled in a public, private or parochial high school or home school in the U.S., its territories and possessions, or in an overseas U.S. military/civilian dependent school. 3. Foreign exchange students, those over 20 and previous first place Voice of Democracy winners are not eligible to compete.
Deadline:November 1, 2008
Required Material: 1. A 3-5 minute essay recorded on a neatly labeled cassette tape or CD. The reading must address this year’s theme and must be recorded in the student’s voice. 2. A typed version of the essay. 3. A completed entry form.
Further details about the application process can be found by conducting a free college scholarship search. Once the search is completed, students eligible for the award will find it in their scholarship search results.
July 15, 2008
All entries have been cast, all information verified, and yes, a winner has been chosen. Matt D. of Newport, KY has been randomly selected as latest winner of the Scholarships.com $1,000 Tell A Friend Sweepstakes. By referring his friends to Scholarships.com, Matt was able to secure $1,000 towards a college education.
"Winning the sweepstakes was really exciting! It was the first scholarship I applied for and … I won,” he told us. Once again proving that financial aid is available to those who search, Matt was able to join the growing list of Scholarships.com Success Stories. By giving them free access to our scholarship search, providing them with valuable college-funding resources and personally sponsoring numerous sweepstakes and scholarships, Scholarships.com has assisted myriad students in affording a postsecondary education.
Every three months a new Scholarships.com user is selected as the Scholarships.com Tell A Friend Sweepstakes winner. Applying couldn’t be easier—no essays and no recommendations required. For the chance to win $1,000, just visit our Tell A Friend Sweepstakes page. You can enter the names and email addresses of up to ten friends, and, if they join the site, you will both be eligible to win $1,000. The more friends you refer, the more entries you’ll receive. Submit now for the chance to win!
July 16, 2008
The Bill and Melinda Gates Foundation granted nearly $900,000 for work on four issues of The Future of Children , a biannually-released journal about effective policies and programs for children. Since its inception in 2000, the Bill and Melinda Gates Foundation has granted nearly $16.5 billion to provide for the health and education of people living in the US and abroad. In addition to sponsoring numerous education-related initiatives, the foundation created one of the biggest, most lucrative scholarship programs in the country, the Gates Millennium Scholars.
Their latest donation will be used by the Brookings Institute and the Princeton Woodrow Wilson School of Public and International Affairs—co-publishers of The Future of Children —to conduct research, disseminate information, host conferences and pay for additional efforts related to the four issues. According to a Woodrow Wilson School news release, the proposed journal topics will include Children in Fragile Families, Children and Youth in Immigrant Families, Work and Family Balance and Postsecondary Education.
The Future of Children is aimed at identifying the research and policies that could assist families in raising their income and paying for school. To this end, researches will study the problems affecting individuals between the ages of 16 and 26, as well as those of their children. Their findings will be disseminated at no charge, and, once available, the results will be posted on www.futureofchildren.org. To encourage legislators to concentrate their efforts on bettering the circumstances of America's youth, journal contributors will also host numerous public awareness events.
July 21, 2008
The National Peace Essay Contest, a scholarship sponsored by the United States Institute of Peace, gives students the chance to voice their opinions on matters regarding international peace and conflict. By administering this award, the institute hopes to promote thoughtful discussion between youth, educators and national leaders alike.Students interested in this year’s scholarships will have to write a 1500-word essay discussing the steps international entities such as the UN, governments and government or non-government organizations can take to protect individuals from crimes against humanity during times of warfare. An example of two foreign conflicts and possible measures that could be taken to promote their peace will have to be identified.
Applicants should also designate a coordinator such as a teacher, parent or youth leader to act as a contact between them and the US Institute of Peace. Coordinators will be responsible for reviewing the entries and ensuring that scholarship essays are the original work of the applicant.
Prize: 1. National first place award $10,000 (includes state awards) 2. National second place award $5,000 3. National third place award $2,500 4. Fifty-three state awards $1,000
Eligibility: 1. Students must be in grades nine through twelve in any of the fifty states, the District of Columbia or, if they are U.S. citizens, abroad. 2. Applicants may not have been previous first-place state winners or immediate family members of the institute. 3. Students may participate with the sponsorship of an essay coordinator.
Deadline: February 1, 2009
Required Material: 1. Two registration forms, one filled out by the student and one by the teacher 2. A 1500-word essay addressing this year’s topic
April 1, 2008
Numerous students find themselves doubting whether applying for scholarships is really worth their time. They assume that competition is tough and that most applicants have an exceptional academic record—not true. It’s in a student’s best interest to maximize his/her financial aid potential by giving scholarships a shot. Check out some common scholarship misconceptions below before passing up valuable options. 1. All scholarship contests are competitive—There is no denying that a few national scholarship competitions can be difficult to win. Certain corporations go out of their way to advertise their philanthropic actions, and they create very minimal eligibility criteria to encourage students to apply. However, millions of scholarships are available, and most are neither well-advertised nor open to every student.
Try searching for awards you are eligible to receive based on strict criteria. If you’re a Chicagoan and you find an award available only to high school seniors residing in Illinois, go for it. Remember, the competitors are just as intimidated by you as you are by them. Don’t give up before you start. 2. Applying for scholarships will reduce federal student aid eligibility— A number of students worry about federal aid reductions resulting from scholarship winnings. Let’s set the record straight. According to Federal Student Aid representatives, Pell Grant awards will not be reduced because of scholarships. It is, however, possible for schools to limit certain loan eligibility or to reduce school scholarship offers. But unless you’re expecting a full ride from Harvard, you have nothing to worry about. Even if you are, the effects will be minimal, if any. 3. It’s easier to work for the money—Yes, you are pretty much guaranteed a paycheck when you work, but working is not the easiest way to find money for college. Student jobs are a great source of supplementary income, but, realistically, a student paycheck is unlikely to cover tuition. Plus, scholarships and jobs are not mutually exclusive. If you have the chance to win $3,000 by spending three or four hours typing away, take advantage of it. You may have to work an entire summer for that money. Even if you don’t win, the few hours won’t destroy your social life.
April 3, 2008
The credit crunch and its negative impact on student borrowers is no longer news. Both FFEL and private lenders have been responsible for financial tensions, and now there’s more to gripe about. Numerous colleges have been complaining that they are not receiving sufficient funding to cover their students' Perkins Loan needs.
Perkins Loans are awarded to students by colleges and universities, but the government provides much of the funding. Because these loans are restricted to students who show particular financial need, shortages will affect students whose families have the lowest incomes most. Perkins Loans have the cheapest interest rates and the most lenient payment options as far as government loans go, as far as most student loans go. Students are asked to pay a 5 percent interest rate on Perkins Loans as opposed to 6.8-7.22 percent on federal Stafford Loans and 7.9-8.5 percent on federal PLUS Loans. Those who turn to private lenders can expect even higher rates.
Due to a poor loan market and a lack of government subsidies, many schools have been forced to cut back on both the number and the size of their Perkins Loans. According to U.S. News & World Report estimates, about 50,000 students who would have qualified for Perkins Loans last year will not qualify for them this year. Those who do qualify may still see their loan limits diminish. Technically, students can borrow up to $4,000 in Perkins Loans (though the number may be lower for those deemed less needy), but certain colleges will be decreasing the maximum funds available to students.
This has left families worried that they may be forced to rely on private student loans after reaching their federal loan limits. After dealing with increasing default rates, both Federal Family Education Loan (FFEL) lenders and private lenders have been forced to make loans more difficult to receive and less appealing to borrowers. Major lenders are becoming sticklers about eligibility criteria and have been cutting back on the benefits offered to students with good paying records.
Students who are no longer eligible for Perkins Loans still have financial aid opportunities. By applying for college scholarships and grants, students may find college funding they do not have to repay. Before considering loans, students should conduct a free college scholarship search to find awards they may be eligible to receive. It is also important to fill out a FAFSA each year. Just because an individual is not eligible for Perkins Loans does not mean they will not be awarded free money in the form of Pell, FSEOG, SMART or TEACH grants.
April 4, 2008
Deciphering the rewards one receives after filling out a FAFSA may be just as difficult as filling out the form itself. Students who plan to take advantage of government loans must pay particular attention to Award Letters detailing their financial aid options.
One of the difficulties associated with taking out government Stafford or PLUS Loans is understanding the differences between the two programs that administer them, the Direct Student Loan Program and the Federal Family Education Loan (FFEL) Program. Students should be aware that although federal Stafford and PLUS Loans may be taken out through either program, the interest rates and conditions may differ based on which is used.
If the college or university participates in the Direct Loan Program, students will borrow money directly from the government at rates that, if the loan is a PLUS Loan, may be slightly lower than those offered through the FFEL program. If the school participates in the FFEL Program, students will be borrowing from a lender they have chosen to work with.
While certain schools participate in both of these programs, about 80 percent of the time, a student will be borrowing through the FFEL program. If a student is taking out only Stafford Loans, the differences are slim. Because lenders participating in the FFEL Program are subsidized by the government, they have to abide by a rule that states all Stafford Loans taken out on or after July 1, 2006 will have interest rates fixed at 6.8 percent.
However, students who also take out a PLUS Loan (a loan offered to parents and graduate students), the interest rates and repayment plans may differ based on program and lender. Students whose parents have borrowed through the Direct Loan Program on or after July 1, 2006 will have their PLUS Loan interest rates fixed at 7.9 percent. If the PLUS Loan is borrowed through the FFEL program, the interest rate may be no greater than 8.5 percent. Individual lenders will choose whether they will set their interest rates at this or a lower number.
It is important that students who borrow through the FFEL Program take more than interest rates into consideration when choosing a lender. Details such as the length or repayment and the penalties for late payments should be considered. Some lenders also offer financial perks to students who have good payment histories, and these should also be taken into account. Usually, schools will provide students with a list of preferred lenders to help them sift through their options, but students should also take other lenders into consideration. While students can trust most financial aid offices to provide them with the most affordable and best-rated lender suggestions, incidences of financial relationships between schools and lenders suggest that students should also conduct some research of their own.
For more information about federal aid, students can take a look at the Scholarships.com Resources section. To find information about scholarships opportunities, students can complete a free college scholarship search.
April 7, 2008
Are you in the mood for easy money? Well you came to the right place. Coca-Cola, NCAA and Chuck. E Cheese have recently teamed up to give away scholarship money, and they're making it really easy to apply. Because this is more of a college sweepstakes than it is a college scholarship, registration from an eligible applicant is the only requirement.
By applying, students (or parents applying on behalf of students) will be entered into two contests, the College Bound Scholarship and the Instant Win Game. The winner of the College Bound contest will be randomly selected to win $25,000 in scholarship money. Those who win the Instant Win Game will receive one of numerous sponsor-brand prizes.
For more information about this and other college scholarships and grants, you may conduct a free college scholarship search. If you are eligible to receive this scholarship, you will find the application and contact details in the “My Scholarships” section.
1. One $25,000 scholarship 2. One hundred POWERade Sweatshirts 3. One hundred Wilson NCAA basketballs 4. One hundred fold-out chairs 5. One hundred Coke Zero t-shirts 6. Two hundred POWERade sports bags
1. Applicant must be 18 years old or older 2. Applicant must be a resident of the 50 United States, District of Columbia or Canada 3. Applicant may not be an employee, child or immediate sibling of employees of Coca-Cola, NCAA or Chuck E. Cheese. 4. Each applicant may only enter 1 time per day
May 1, 2008 at 11:59 p.m. ETRequired Material:
1. Online registration
March 12, 2008
Women may have equal rights under the law, but their movement is far from over. According to the American Association of University Women Education Foundation, one year after graduating, women who work full time earn 80 percent of what men do. Ten years later, that percentage rises to 69 (with work hours, occupation and parenthood taken into account). Even as women continue to outperform men in every academic college major, this gap persists.
But there’s no room for self pity. Being proactive is the best solution, and many scholarship providers are here to help women reach their full potential. With the help of numerous internships, fellowships, scholarships and grant opportunities, colleges, foundations and private donors are helping females afford the education and training they need to succeed.
If you’re a current or future female student, or if you know someone who is, check out the women's scholarships below. For additional scholarship and grant opportunities, try conducting a free college scholarship search.
AAUW American Fellowships
Each year, the American Association of University Women offers fellowships to assist women pursuing a doctoral degree. Winners are chosen based on academic record, teaching experience and commitment to helping women in the community. A $30,000 postdoctoral research leave fellowship as well as a $20,000 dissertation fellowship are available.
APS/IBM Research Internship for Undergraduate Women
Undergraduate females have the chance to win a paid, ten-week internship at one of three IBM locations. In addition to the pay, winners will receive a $2,500 grant and the opportunity to work with an IBM employee. The American Physical Society (APS) and IBM will award this internship to sophomore and junior college women interested in pursuing a graduate education in science or engineering.
Executive Women International Scholarship Program (EWISP) Eligible high school juniors will have the chance to win a $10,000 college scholarship by applying for the Executive Women International Scholarship. Application rules and deadlines will vary based on local Executive Women International program chapters.
Women in Business Scholarship Women who pursue an undergraduate business degree and demonstrate potential in their field may be able to win a $5,000 scholarship for college. Applicants will have to submit a scholarship essay of 500 words or less as well as two letters of recommendation.
Talbots Women's Scholarship Fund
The Talbots Women's Scholarship Fund will award five $10,000 scholarships and fifty $1,000 scholarships to women who return to school to pursue a two or four-year college degree. Women must have earned their high school diploma or GED at least ten years ago. Six judges including five-time Olympic champion Evelyn Ashford, Judge Milian of “The People’s Court” and More Magazine’s Editor-in-Chief Peggy Northrop will judge applications.
Microsoft Women Scholarship
Microsoft is awarding scholarships to women interested in pursuing an education in the computer sciences and related fields. To be eligible, students must maintain a 3.0 GPA and be enrolled in a full-time bachelor’s degree program at a college or university in the US, Canada or Mexico at the time of submission.
March 18, 2008
Speaking before the U.S. House Committee on Education and Labor, Secretary of Education Margaret Spellings told representatives what they wanted to believe, but didn’t: the college aid crisis was under control. After months of financial struggles, a number of student lenders have decided to discontinue their participation in the Federal Family Education Loan Program (FFEL), leaving students to look elsewhere for college funding.
A troublesome lending market and a new law limiting government subsidies to student lenders have many lenders rethinking their participation in the FFEL. With less government backing and greater default rates, some student lenders are finding it necessary to cut back on student benefits, increase borrowing criteria, and sometimes, leave the government program completely.
These changes have left families worried about finding sufficient student loan assistance from the government, concerns Spellings has tried to diminish. During her testimony, the education secretary stated that so far, “No institutions have notified us that any eligible student has been denied access to federal loans.”
If true, students and parents would be relieved to know that they can still take advantage of low interest government loan rates rather than relying on private, more expensive, student lenders. According to Spellings, the government would step in before students were forced to rely solely on private lenders.
One safeguard proposed by Spellings was the option for schools participating in the FFEL program to switch to the government's Direct Loan program, one in which students bypass government-subsidized lenders and borrow straight from the government.
Ms. Spellings also pointed out that Pell Grants, federal need-based awards that do not need to be repaid, have been increasing and will likely continue to do so. Students who receive free grant money will have fewer loan needs---to an extent. Currently, those eligible for Pell Grants may only receive $4,310 per year, and not all are eligible for this form of federal student aid.
Still, the Secretary of Education maintained a positive outlook and expressed confidence that most student lenders are not in critical positions stating, “More than 2,000 originating lenders participate in FFEL...a small number of these lenders have reduced their participation or stopped origination new loans.”
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