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Connecticut Announces Low-Interest Student Loan Program

Nov 19, 2008

by Scholarships.com Staff

A struggling economy, shrinking endowments, turmoil in the student loan marketplace, and state budget cuts have all raised questions about students' continued ability to pay for school.  However, despite economic troubles, at least one state has plans to launch a new program to help its students find money for college in the form of low-interest student loans.

Connecticut students will soon have one more source of student financial aid, thanks to a new partnership between the state and its credit unions.  The loan program, announced yesterday by the governor's office, would provide up to $17.5 million in student loans for college students from Connecticut and students attending college in the state.

Connecticut Governor M. Jodi Rell met with officials from the state's credit unions on Tuesday to discuss the partnership.  Under the proposed college loan program, students would borrow directly from the credit unions at interest rates of 5.75 or 6 percent.  Each credit union would be required to offer at least $100,000 in student loans to participate in the program.  The loans are designed to help families who don't have access to sufficient amounts of financial aid, such as federal Stafford loans, to cover their tuition bills.  The governor's press release did not make mention of borrowing limits or requirements.

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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Financial Assistance for Public Service

Nov 18, 2008

by Scholarships.com Staff

Are you considering a career in public service, such as working for the government or a non-profit organization, but more than slightly overwhelmed by the thought of repaying your student loans with an often minuscule salary?  Realizing that you may actually be taking a pay cut to transition from your summer job to your "grown up" career can be demoralizing, and dealing with debt on top of that certainly doesn't help.  While many noble individuals certainly make this sacrifice, perhaps you were hoping to forget where the grocery store kept its "manager's special" items after you graduated.  And who can blame you?  The college budget diet, and the accompanying lifestyle of cramming half a dozen people into one run-down apartment, eventually does get old.  Luckily, there are forms of financial aid out there to minimize or relieve your debt and help you stretch that public servant salary a little further.

Some of the most well-known career-based assistance programs are designed for teachers.  The TEACH grant contributes $4000 a year towards the tuition of students who agree to teach a high-need subject at a low-income school for four years. Other programs such as Teach for America offer teaching certification, a stipend, and assistance with student loan repayment to individuals agreeing to teach in certain schools.

Teachers and other public servants can also qualify to have their Federal Perkins Loans canceled, saving up to $16,000.  Nursing students and other medical students can get in on this program, as well.  The federal government also launched a public service loan repayment program a year ago that will forgive qualifying federal student loan debt for those who commit ten years to public service.  In addition, a variety of government scholarships provide incentives for students in various majors to consider federal work.

An article appearing in USA Today this week also mentions some university-specific programs to help steer students towards public service careers.  Harvard Law School will waive tuition for one year for students who commit to five years in government or non-profit fields, and Princeton University will provide free master's degrees to eight 2008 graduates who first put in two years in federal jobs.  Tufts University is also helping its undergraduate students pay down debt or pursue graduate degrees if they commit a few years to public service work.

If you're leaning towards a career with a government agency or non-profit organization, be aware of the scholarships, grants, fellowships, internships, and loan repayment programs out there.  Include a free college scholarship search in your research to find out about many of your options for funding your education and minimizing your debt.

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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SPENDonLIFE Credit Blogging Scholarship

Nov 17, 2008

by Scholarships.com Staff

Are you a college student?  Do you have a blog?  Are you concerned about your credit or the dangers of identity theft?  Do you want to win $2,000?  If so, this week's Scholarship of the Week is for you.  The SPENDonLIFE Credit Blogging Scholarship offers a $2,000 college scholarship to a student blogger who posts an entry on his or her blog about either credit or identity theft before December 1.

Blog entries should be original, interesting, and informative, using your creativity and research skills to address a topic within the broad categories of identity theft and credit.  Entries should be 400 words or less and should also inform readers of the contest and how they can participate.

Prize: $2000

Eligibility: Students aged 18 or over currently attending college full-time or part-time at an accredited college or university

Deadline: December 1, 2008

Required Materials: Completed online scholarship application, found on the SPENDonLIFE contest website.  Be sure to provide a link to your blog entry about credit or identity theft.

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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Three States Introduce Bold Changes to Public Education

Nov 14, 2008

by Scholarships.com Staff

For many high school students, graduation cannot come soon enough.  While admittedly, I was something of a nerd, going off to college was the single most anticipated event of my young life.  I couldn't wait for the academic challenges, the new people, and the more serious learning environment.  If someone came up to me when I was 16 and offered me the chance to start community college then, I would have definitely taken it.  So I am definitely a little jealous of students in New Hampshire who may soon get that chance.

New Hampshire is one of three states that have agreed to implement some of the policies outlined by the National Center on Education and the Economy's New Commission on the Skills of the American Workforce.  The commission released a report in 2006 calling for sweeping educational reforms to address America's slipping international standing in several measures of educational success and workforce preparation.  Utah and Massachusetts will also implement measures recommended to boost the performance of public schools, including raising teacher pay, giving teachers greater (in some cases, complete) control over schools, implementing more dynamic proficiency tests that provide a more accurate picture of students' abilities, and better monitoring and assisting students at risk of dropping out.  The policy New Hampshire is proposing will allow students the option of taking a test after 10th grade and either entering a community college or a college preparatory track if they pass, letting them prepare for college and gain college credits while still living at home, and keeping them from getting bored or coasting through the last two years of high school.

These are only a few of the suggestions found in the commission's report.  While there is some skepticism over how much change will actually take place, many states and schools are showing an eagerness for change. It's hoped that innovations in education will help make more students better prepared for attending college and entering the workforce.

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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College News , High School , High School News

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Online Enrollment Continues to Increase

Nov 13, 2008

by Scholarships.com Staff

Enrollment in online courses continued to increase in 2007, according to a new study.  Nearly 4 million college students, over 20 percent of the total number of students attending college, took at least one online course in fall 2007, an increase of 12.9 percent over the previous year.  With all of the financial turmoil that 2008 has brought, the number of online students is likely to continue to increase, as online enrollment is seen as a cost-effective alternative to having to be on campus for class.

The majority of colleges and universities regard offering online courses or online degree programs as critical to their long-term goals.  Schools also reported a need to compete for online students.  Since physical proximity isn't a concern, students can take online classes through any school, meaning institutions need to do more to attract students to their distance-learning programs.

Some of this competition comes in the form of innovation.  After universities in Canada and Japan made online course material accessible via cell phones last year, Louisana's community colleges followed suit, unveiling a plan this week to centralize their distance learning programs on one website, allowing students to access and complete materials from any device with an internet connection.

As distance learning programs continue to become more popular among students and a greater priority among schools, budget-conscious students may want to look closely at taking some or all classes online.  Online courses allow greater flexibility for scheduling around employment or other obligations, save on commuting costs (and the money students spend gulping down cafeteria food, fast food, and expensive coffee while rushing between classes), and allow students to live where they want without worrying about having to get to school each day.  All of these things make it easier for you to pay your way through school as a distance learning student.  While online classes do require greater self-discipline and are offered in more limited quantities than in-person classes, they are still an option to consider when choosing a college.

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 Financial Ups and Downs for Schools and Students

Nov 12, 2008

by Scholarships.com Staff

Colleges are continuing to face financial hardships due to the current global economic crisis.  Endowments have shrunken by an average of 30 percent this year, primarily in the last two months.  Numerous colleges and universities, both public and private, are cutting or freezing spending, and several institutions have been forced to implement hiring freezes, offer early retirement to employees, or lay off employees.  Even Harvard University has announced a more conservative approach to future spending.  An article appearing in the New York Times earlier this week shows some schools considering a move away from entirely need-blind admissions policies (which ignore students' ability to pay when determining who to admit) in order to ensure they receive enough tuition revenue to maintain their financial aid programs.

Meanwhile, families are in similarly rough shape.  Investments are in trouble, unemployment is up, and families are having trouble getting home equity loans or other lines of credit that they may have previously used to cover tuition529 plans have taken a hit, as well, and student loans have also tightened credit requirements.  All this means that students might face greater difficulty getting into and paying for school.

So that's the bad news.  Now for some good news: 

     
  • Congress has expanded the Ensuring Continued Access to Student Loans Act (ECASLA) to make it easier for banks to access enough funds to make loans.  The increases in unsubsidized Stafford Loan limits have also been renewed into the next academic year.  This could further shore up the Federal Family Education Loan Program (FFELP) and make it easier for students to borrow what they need to pay for school.  A new economic stimulus package is in the works, as well, and part of the money involved may go to Federal Pell Grants.
  •  
  • Despite financial difficulties, colleges are pledging to maintain or increase their spending on campus-based aid for their students.
  •  
  • The Department of Education is planning to present its vision for simplifying and improving the federal student financial aid program.  One of the most notable aspects of the new plan is the proposal to shorten the FAFSA on the Web application.  Greater efforts to standardize federal aid among colleges are also being proposed.
  •  
  • A new study indicates that what you get out of a college experience might be less dependent on where you go to college than on how you choose to approach your education.  Researchers found more variance among learning outcomes and student satisfaction within institutions than among them.  In fact, 90% of the difference in quality reported by students occurs among individual students attending college on the same campus.  So if you do find yourself having to take a pass on your dream college, a positive attitude can make your experience at your safety school just as rewarding.
  •  

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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November is National Scholarship Month

Nov 11, 2008

by Scholarships.com Staff

November has been designated as National Scholarship Month for 2008.  The purpose of National Scholarship Month is to raise awareness of the scholarship opportunities available to high school students, undergraduate students, and graduate students, as well as the numerous benefits of winning scholarships.

November is also an ideal month to start finding scholarships, if you haven't done so already.  Many scholarship competitions start or end in November, including our own College Health Scholarship (deadline: November 30) and our College History Scholarship (deadline: December 31).  By applying for scholarships now, you're sure to stay on top of those scholarship application deadlines.

Check out our article on National Scholarship Month, which highlights many of the reasons to apply for scholarships.  You might also want to browse the Scholarships category on our blog, where you'll find tons of information about scholarships and the benefits they provide.  Convinced that scholarships are worthwhile, but not convinced you can win?  Head over to our resources section, where you will find tons of advice on scholarship applications.  We dispel scholarship myths, show you how to detect scholarship scams, and even offer advice on how to write a scholarship-worthy essay--complete with tips from scholarship reviewers.

So, do you believe that you can win a scholarship? (Because you can!) Then celebrate National Scholarship Month with us and start your scholarship search today.  A scholarship search on Scholarships.com is fast, free, and easy, instantly generating a list of scholarship awards that are directly relevant to the information you provide in your profile.  We have scholarships in our database for all sorts of people!  Find out about athletic scholarships, green scholarships, unusual scholarships, corporate scholarships, women's scholarships, scholarships for minorities, and many more.  After all, with 2.7 million scholarships and grants to choose from, we're bound to have something that fits you.  And free money for college is always cause for celebration.

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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American Planning Association High School Essay Contest

Nov 10, 2008

by Scholarships.com Staff

Are you addicted to the History Channel and HGTV? Do you love old buildings and local history? Do you want to learn more about or get involved in preservation efforts in your community? If you're a high school junior or senior and this describes you, be sure to check out this week's Scholarship of the Week, the American Planning Association High School Essay Contest.

Two $5,000 scholarships will be awarded to high school students who come up with the best historic preservation plans for their communities. Your scholarship essay should be between 1200 and 1500 words and should closely follow the instructions provided on the APA scholarship website. Not only can you learn about your community, earn scholarship money, and explore a potential career, but if you win, you will also receive a stipend of up to $1,000 to travel to an APA conference sometime during your college career to learn more about community planning.

Prize: Two $5,000 grand prize scholarship awards

Eligibility: High school students who are U.S. residents and are juniors or seniors during the 2008-2009 school year.

Deadline: January 15, 2009

Required Materials: Completed online scholarship application, following the instructions outlined by the American Planning Association on their contest website.

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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New Studies Show Benefits of Scholarships

Nov 7, 2008

by Scholarships.com Staff

College students who receive generous scholarship opportunities are relieved of some of the financial burden of paying for school.  But to what extent does this benefit translate into other positive outcomes?  How, specifically, does winning scholarships help students achieve their college goalsFour studies being presented this week at the Association for the Study of Higher Education's annual conference seek to answer these questions.

Two studies focused on recipients of the Gates Millennium Scholarship, an extremely generous scholarship for minorities offered by Bill and Melinda Gates.  A third tracked recipients of the Kalamazoo Promise, the first in a series of large-scale full-tuition local scholarship programs, which provides scholarship funding to all qualifying Kalamazoo, Michigan residents who choose to attend one of Michigan's state colleges.  The fourth looks at University of Iowa applicants' responses to financial aid offers.

The study of University of Iowa students reinforces the idea that scholarship money steers students' college plans, especially among certain minority groups.  African American and Hispanic students were less likely to attend the university, presumably choosing a more affordable or more generous institution, if they did not receive the amount of financial assistance they had hoped for.  These results reinforce the importance of college affordability and will hopefully encourage universities to offer more generous awards to student populations they wish to attract.

While institutional financial aid influences students' college choices, so do other scholarships. Studies showed that Gates Millennium Scholars and Kalamazoo Promise recipients appear more inclined than their peers of similar backgrounds towards applying to and ultimately choosing colleges that are pricier or more competitive.

Gates Millennium Scholars are also more likely to graduate--matching graduation rates of higher-income students--as well as to graduate on time.  In fact, 90 percent of these students finished a four-year degree in four years, which is proving to be an increasingly rare accomplishment among students currently attending college.

In some ways, these studies reinforce things many students already knew.  Scholarships influence students' college choices.  Scholarship winners go to better schools, are more likely to graduate, and are more likely to graduate sooner--and the studies suggest this because they won a scholarship, not just because they're smart and motivated.  Even if none of this is news to you, it should still be a powerful motivator for you to start your own scholarship search.  It does appear to be the formula for college success.

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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Some Good Reasons to Attend College

Nov 6, 2008

by Scholarships.com Staff

U.S. News had an interesting piece in their education section last week about the monetary benefits of a college degree.  Citing government statistics and several recent studies, the author related that students who complete a bachelor's degree can expect to earn $300,000 more in today's dollars over the course of their working lives than students who just complete high school.  Students who earn a professional degree, go to law school, or complete business school can expect to earn even more.

A full-time worker with a bachelor's degree makes about $20,000 more a year than a student with a high school diploma, and a student with, say, an MBA can expect to make about $100,000 more than a high school grad each year.  While such annual income disparities add up to more than $300,000 over a lifetime of work, studies citing that figure also adjusted for inflation, the extra money high school grads earn in those first four or five years, and the average cost of attending college for four years.

Another benefit of a college degree is a better chance of landing and keeping a job: the unemployment rate for college grads is half what it is for those who don't go to college.  Students from low-income backgrounds also reap more benefits from receiving a degree, as they're able to land not only higher-paying, but also more stable jobs and better-benefited jobs, and to have opportunities that would not have been available to them otherwise. Going to college can also provide significant academic advantages for your future children.

So if college costs are daunting and you're considering whether your education is going to be worth the price you pay for school, do some research.  You're statistically more likely to live a better life in a lot of ways if you go ahead and earn that degree.  There are tons of reasons to go to college, and also tons of ways to help with funding your education.  Do a thorough college search to find the best and most affordable fit for your educational goals, and then search for available scholarships and other financial aid to help you pay the bill.

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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