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Radio Scholarships.com

Feb 18, 2009

by Scholarships.com Staff

Yesterday Kim Stezala, better known as The Scholarship Lady, interviewed our own Kevin Ladd on BlogTalkRadio.com.  The topic of the interview was our upcoming 2009 Resolve to Evolve Scholarship competition, which we'll be announcing soon on our site.  Resolve to Evolve is one of the fourteen college scholarships we offer at Scholarships.com.  This year, Resove to Evolve awards will make up $5,000 of the $18,000 in scholarship money we provide to deserving Scholarships.com users through our scholarship essay contests.

In addition to talking about the scholarships we offer, Kevin also dispenses some valuable advice on scholarship applications in general.  You can listen to the complete interview here. And, of course, you can conduct your own free scholarship search on Scholarships.com to find out more about the scholarship opportunities mentioned in the interview, as well as the over 2.7 million college scholarships and grants worth over $19 billion listed in our database.

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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Making College More Affordable

Feb 17, 2009

by Scholarships.com Staff

Reducing college costs continues to be a hot topic of discussion, especially given survey results that show that college affordability is a growing public concern.  Recent congressional acts, including the education provisions in the stimulus bill President Obama will sign today, the Ensuring Continued Access to Student Loans Act of 2008, and last year's reauthorization of the Higher Education Act, have kept the issue in focus, as have economic events, such as losses to 529 plans, rising unemployment, and new financial troubles for colleges.  A wide range of ideas have attracted the attention of lawmakers and the media, including several suggestions making the rounds this month.

Jesse Jackson recently wrote an article in the Chicago Sun-Times suggesting that Congress pass a law to offer a 1% interest rate on federal student loans, including Stafford Loans and PLUS Loans.  The Minneapolis Star-Tribune ran a column in January that went even further, suggesting that the federal government forgive all student loan debt.  Meanwhile, Lamar Alexander, a republican Senator from Tennessee, has gotten some publicity for suggesting that more colleges offer three-year paths to degrees, as one of many potential cost-saving measures.  Some states are looking into "no-frills" universities, and partnerships between state colleges and community colleges are also gaining traction as cost-saving options.

So we were wondering what people who are in the process of paying for college think.  What would you like to see happen to make college more affordable and reduce the burden of student loan debt on college graduates?

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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A. Patrick Charnon Scholarship

Feb 16, 2009

by Scholarships.com Staff

Students who are committed to serving and improving their communities have a chance to win up to $6,000 in scholarship money over the course of four years with this week's Scholarship of the Week.  The A. Patrick Charnon Scholarship was established in memory of Pat Charnon, who was known for the generous help and support he provided to young people in Beloit, Wisconsin and the sense of community he fostered.  Recipients of the Charnon Scholarship should show a similar dedication to building communities, as well as a committment to values of tolerance, compassion, and respect for all people in their communities.  This community service scholarship is open to undergraduate students.

Prize:

$1,500 per year for up to 4 years

Eligibility: 

Current undergraduate students or students who will be enrolled full-time in an undergraduate program of study at an accredited four-year college or university in the United States.  Recipients must maintain good academic standing and be making satisfactory progress towards a degree.

Deadline:

March 31, 2009

Required Material:

A completed scholarship application, an academic transcript, three letters of recommendation, and a scholarship essay of 2-4 pages describing how community service experiences have shaped your life and how you will use your education to build communities consistent with values of tolerance, compassion, generosity, and respect.

Further details about the application process can be found by conducting a free college scholarship search on Scholarships.com. Once the search is completed, students eligible for this scholarship award will find it in their search results.

And remember, there’s no need to rely on expensive student loan options to pay for your college education. For more information on finding free scholarship money for college, conduct a Scholarships.com free college scholarship search today, then apply and win! It’s that easy!

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House Passes Economic Stimulus Bill

Feb 13, 2009

by Scholarships.com Staff

The House of Representatives just passed the compromise version of the economic stimulus package.  Now there are just two stop left for it before it becomes law: the Senate and President Obama's desk.  The Senate plans to vote later this evening, putting it on track to be signed on Monday.

As the dust settles, more detailed accounts of what's actually in the bill are emerging.  While the final totals have not yet been made public, Inside Higher Ed has an updated version of their stimulus chart online today, featuring many of the stimulus provisions related to higher education.  The $787 billion stimulus package will include: 

     
  • $17.1 billion to increasing the maximum Pell Grant award by $500 and eliminate a shortfall in funding
  •  
  • $200 million to college work-study programs focused on community service
  •  
  • A $2,500 education tax credit available for four years of college.  The credit is 40 percent refundable, so people who don't make enough to pay taxes can still receive $1000.
  •  
  • A provision to allow computer purchases to count as qualified educational expenses for 529 plans
  •  
  • $39.5 billion to offset state budget cuts to education, including money to modernize facilities
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  • $8.8 billion for states to award to high-priority needs, including education
  •  
 While several items related to federal student financial aid were cut from earlier versions of the stimulus, the final verison will hopefully minimize tuition hikes by giving states more money for education, help the neediest students deal with tuition increases through an increase in grants and work-study, and help all college students a little with the tax option included.  The stimulus package also includes tax rebates, increased funding to several social welfare programs, and changes to unemployment benefits, which could further aid struggling students and families.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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House and Senate Reach Compromise on Stimulus

Feb 12, 2009

by Scholarships.com Staff

The Senate passed their version of the economic stimulus bill Tuesday, and by late afternoon yesterday it was announced that a compromise had been reached between the House and the Senate. The compromise bill includes less funding than either version--$789 billion as compared to $820 or $838 billion, and one of the areas that faced cuts was education.

While the final draft of the stimulus bill has not been released--or necessarily written--yet, some details are emerging in media coverage. It appears that a Pell Grant increase has made it into the final draft, though the exact amount is still unknown. Federal Work-Study also receives a funding boost, though it's also unclear whether it's the full $490 million appropriated by the House. The $2,500 tuition tax credit has also survived, as have several other tax credits not related to education. Proposed increases to Perkins Loans and unsubsidized Stafford Loans appear to have been axed from the conference committee's version of the bill. States will receive some money to offset educational expenses and aid in school construction and renovation, though not as much as the House had appropriated.

More details will likely emerge over the next couple days as the bill makes its way back through the House and Senate for final approval. The stimulus package could be signed by President Obama as soon as Monday. While the stimulus will provide some help to most people attending college, it's not too late to find other ways to boost the funding to your own college education. Conduct a free college scholarship search to see what financial aid is out there.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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Report Shows Long-Term Effects of State Cuts to Higher Ed

Feb 11, 2009

by Scholarships.com Staff

The loss in funding faced by state and community colleges this year may not be a one-time thing.  A report issued this week by the State Higher Education Executive Officers (SHEEO) indicates that state budget cuts to higher education made during recessions tend to become permanent.  With many attempting to eliminate multi-billion dollar budget shortfalls, cuts to education are almost certain to happen across the country, and based on data collected by SHEEO, they are likely to continue into the future.

Per-student state higher education spending peaked in 2001, when it hit the highest level in inflation-adjusted dollars since data was first collected in 1983.  A recession in 2001 prompted drops in education spending that continued until 2006, when spending began to grow again until 2008, though per-student funding did not return to 2001 levels before another recession interfered.

In response to cuts in funding of around 7 percent between 1998 and 2008 and increases in enrollment of around 25 percent over the same period, tuition revenue has risen 20 percent.  The report suggests this trend is likely to continue, with funding potentially falling off permanently and tuition hikes continuing as a result of this year's budget cuts.  Thus, the burden is passed on to already cash-strapped students and families, who are already facing the prospect of needing more student loans due to losses of income and declines in college savings plans.

The SHEEO expressed hope that the stimulus package currently moving through Congress might mitigate this effect.  However, the version passed yesterday by the Senate eliminated billions of dollars that would have gone to offset state budget cuts, so the positive impact on higher education could be less than is hoped.  Additionally, members of Congress have expressed frustration with rising tuition rates, especially given tuition's likelihood to continue to outpace increases in Federal Pell Grants, such as the new funding currently included in the stimulus.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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Credit Crisis Leaves Student Loans Stuck in Default

Feb 10, 2009

by Scholarships.com Staff

The recession seems to be bringing an almost constant stream of stories about people in all sorts of circumstances who are facing new and varied financial troubles.  These stories could easily be read as a guide for "things not to do in a recession."  The latest addition?  "Default on your student loans."

While neglecting even one payment is a bad idea at any time, borrowers who have found themselves in default on their loans are facing an even more difficult time as a result of the credit freezeThe Chronicle of Higher Education published a story today about this particular aspect of the trouble facing participants in the Federal Family Education Loan Program. Currently, 19 of the nation's 35 guarantee agencies (the companies that service student loans in the FFEL program) lack a buyer for their student loans, including rehabilitated loans.

People who borrowed Stafford loans, defaulted on their payments, then agreed to "rehabilitate" their loans, or make consistent payments until the loan can be repackaged and resold and thus brought out of default, are finding that there's currently no market for their rehabilitated loans, so they're stuck in default status longer than necessary. This hurts their credit score and also keeps them from being eligible for federal student financial aid if they choose to go back to college, as many people affected by the recession are doing.

Currently, the federal government cannot buy up these loans, though legislation may be in the works to fix this.  While students do have other options, such as consolidation through Direct Loans (the federal government loan program), students were typically pushed toward rehabilitation before the credit crunch, as it was most profitable for the lenders, according to the Chronicle of Higher Education article.

If you have a student loan currently in repayment, be sure to work with your lender if you're having trouble making payments.  Look into consolidation loans, and ask about extended payment plans, in-school deferments (if you're planning to go back), loan forgiveness programs for certain career paths, and hardship forebearances.  Student loan debt cannot be discharged in bankruptcy, so if you default, you're stuck with the consequences--possibly for much longer than you'd think.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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Scholarships.com College Technology Scholarship

Feb 9, 2009

by Scholarships.com Staff

A career in technology can be exciting and rewarding, not to mention financially lucrative.  However, the path to this career typically includes a college education, which isn't exactly cheap.  Technical fields have demanding coursework and in some cases, astronomical course fees.  These and other factors can make paying for school even more challenging for technology students.  To ensure that these challenges do not become roadblocks, Scholarships.com offers a $1,000 college scholarship for students who plan to pursue a career in technology.  And since all you need to apply is a short essay explaining your interest in this area of study, this week's Scholarship of the Week could be one of the easiest steps in your education.

Prize:

$1,000

Eligibility:

Applicants for the Scholarships.com College Technology Scholarship must be U.S. citizens and either undergraduate students or high school seniors who plan to enroll in an accredited college or university in the coming fall.

Applicants must have indicated an interest in one of the following majors: 

     
  • Aerospace Technologies
  •  
  • Air Conditioning
  •  
  • Automotive Technologies
  •  
  • Aviation
  •  
  • Aviation/Aircraft Technology
  •  
  • Communications
  •  
  • Computer Science
  •  
  • Computer Technology
  •  
  • Drafting/Computer Aided Design
  •  
  • Electronics
  •  
  • Information Technology
  •  
  • Information Systems Engineering
  •  
  • Lighting Technologies
  •  
  • Mechanical/ Electrical Technologies
  •  
  • New Media
  •  
  • Natural Resources Technologies
  •  
  • Packaging Technologies
  •  
  • Polymer Technology
  •  
  • Television
  •  
  • Transportation Technologies
  •  
  • Telecommunications
  •  
 

Deadline:

March 31, 2009

Required Material:

A completed Scholarships.com profile and a 250 to 350-word scholarship essay written in response to the question, "What has influenced your decision to pursue a career in technology?"

Further details about the application process can be found by conducting a free college scholarship search on Scholarships.com. Once the search is completed, students eligible for this scholarship award will find it in their search results.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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More Students Taking AP Classes

Feb 6, 2009

by Scholarships.com Staff

Advanced Placement, or AP, classes are becoming more popular and more students are passing the exams, according to annual data released by the exam's publisher this week. Approximately 15.2 percent of the class of 2008 received a passing score on the AP exam, as compared to 14.4 percent of the class of 2007.

AP courses, typically offered to high school juniors and seniors, allow students to take college-level classes in high school and potentially earn college credit.  Each AP course ends with an exam, scored on a scale of 1-5, with a score of 3 considered to be "passing" and credit-worthy by most colleges.  A few high schools also offer the option to take an AP course as dual-enrollment, where students pay to earn college credit for their work completed, rather than their test score.  Students can potentially shave a semester or more off their college experience through AP coursework, or AP work can free students' time in college up for more exploration of a variety of courses.  Either way, many students see AP courses as a way to work towards their college goals.

Despite the benefits of AP, there are some arguments against it, as with any standardized test.  For students, AP exams cost money, often have relatively low pass rates, don't guarantee college credit, aren't offered in every subject at every school, and are likely to conflict with at least one event your senior year of high school.  For teachers and college administrators, there's a concern about depth of coverage, quality of instruction, and students missing out on a key part of the college experience by coming in with so many AP credits.

Advocates of AP coursework say it can help students start college planning, get excited about the subject area, and save money by shaving off a few general educational requirements.  As AP grows in popularity, high schools are continuing to add courses and improve their teaching of the subject.  As long as you weigh the benefits and drawbacks, AP courses are definitely worth considering.  AP credit can be a way to build your resume, explore a potential college major, and jumpstart your career.

Going to college doesn't have to break the bank or saddle you with tens of thousands of dollars in student loan debt. Check out the Scholarships.com free college scholarship search where you’ll discover you qualify for hundreds of thousands of dollars in scholarships in just a few minutes, then apply and win! It’s that easy!

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Scholarships.com Celebrates Black History Month

Feb 5, 2009

by Scholarships.com Staff

February is a short month, but it's jam-packed with celebrations.  I'm not just talking about Valentine's Day and Mardi Gras.  February is Black History Month, a reminder that long before President Obama took office, African Americans were doing some pretty amazing things.  Black History Month is a great opportunity to learn about and commemorate important people and events that often go overlooked in American history.  It's also a great time to seek out new scholarship opportunities.

Several local scholarships have Black History Month themes, and we've featured a small sampling of them on our Black History Month Scholarships resource page.

If you're an African American student looking to make your own contribution to Black history, and history in general, a great place to start is with our list of African American scholarships.  After all, there's nothing like a college education to help you achieve your goals and change the world.

In addition to raising awareness of the important roles African Americans have played throughout American history, two of the major goals of Black History Month are combating injustice and promoting equality--after all, its original dates were chosen to celebrate two key players in the early civil rights movement, Abraham Lincoln and Frederick Douglass.  Students who have taken part in efforts with similar goals may want to take some time this month to commemorate their own achievements by applying for community service scholarships.

To apply for the scholarship awards mentioned above or to learn about other sources of money for college, conduct a free college scholarship search.

And don't forget, you should pay for your college education with as much free money as possible! Find as many scholarships and grants as you can before turning to student loans. Visit the Scholarships.com free college scholarship search today where you'll get matched with countless scholarships and grants for which you qualify, then apply and win! It’s that easy!

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