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by Suada Kolovic

Here at Scholarships.com, we stress the importance of paying for your college education the best way we know how: with free money in the form of scholarships! And while scholarships might not fully cover your tuition and expenses, college applicants who aren't deemed financially needy in terms of their FAFSA should consider the importance of merit aid. It can make a huge difference in the schools they can realistically afford and students and families seeking this extra financial aid boost should consider researching schools more likely to dispense merit-based awards.

But with so many colleges and universities across the country, which ones are the best financial bets? Help has arrived in the form of U.S. News & World Report, which has compiled a list of the schools that awarded the highest percentage of merit-based funding to non-needy students during the 2013-14 academic year. (The stats do not include financially needy students who were given merit aid or students who received athletic scholarships or other tuition breaks.) Take a look:

High school students, does this data have you looking at these schools in a new light? Current college students attending one of the schools listed above, did merit aid make the difference as to whether or not you enrolled? Share your thoughts in the comments section. And as always, don’t forget to create a free Scholarships.com profile to get a personalized list of scholarship opportunities!

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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Register and Win $500 from Scholarships.com

New Winner Selected Every Month!

Sep 8, 2014

by Suada Kolovic

Looking for a way to pay for your college education that includes free money? Well, you’re in luck! Here at Scholarships.com, we provide users with the most relevant scholarships and educational information out there.

By registering at Scholarships.com, you’ll have access to more than 2.7 million local, state and national college scholarships and grants worth $1.9 billion...and did we mention that you’ll be eligible to win $500 automatically just for registering? That’s right: Filling out a complete profile will enter you into our monthly drawing for $500. No lengthy essay or massive application packet required – it doesn't get any easier than that. Complete your profile, get entered to win $500 and start exploring additional scholarship options today!

For more information and official rules, please click here. For more information on finding money for college and how to properly fund your college education, check out Scholarships.com Financial Aid section and conduct a free scholarship search today!

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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by Suada Kolovic

With September officially upon us, millions of students across the country are heading back to college. With all the fun and excitement that goes into the fall semester, however, some may not have ironed out one major detail: how they're going to pay for it. For most college students – even those with impressive financial aid packages – loans are a necessary piece in their financial aid puzzle. And with college graduation and loan repayments coming up faster than you think, it's important to understand the warning signs that you may be headed toward defaulting on your student loans. Check out U.S. News and World Report's four warnings to heed below:

  1. You don’t know when your first payment is due: If you borrowed student loans, you are responsible for knowing when your payments begin, how much they are and where to send them...even if you don’t receive any notices with these details.
  2. You dropped some classes or dropped out of school: One common reason why some borrowers don’t know when their first payment is due is that they didn’t realize their repayment grace period was already winding down. For federal student loans, the grace period kicks in when students drop below half-time enrollment. Keep in mind that half-time enrollment is defined differently from school to school. And if you've left school altogether, you are still required to repay any loans you borrowed.
  3. You can’t afford your payments: The student loan grace period gives borrowers some time to figure things out before repayment begins...but you may still be looking for work or barely able to cover your living expenses (let alone expensive loan payments) after that period expires. If you borrowed federal student loans, you may be able to select a payment plan that decreases the amount you pay each month, perhaps based on how much money you make.
  4. You think you already defaulted: Borrowers often confuse delinquency and default. If you miss a few payments, your loan is likely delinquent and you can still do things to avoid the consequences. If you have defaulted, don’t give up! You can pull your loan into good standing by paying it in full, consolidating it or through rehabilitation.

For more tips on repaying your student loans and borrowing responsibly, head over to our Financial Aid section. And don’t forget to try and fund your education with as much free money as possible – a great place to start is by creating a free profile on Scholarships.com!

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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by Suada Kolovic

With the final month of summer rapidly slipping away, now is the time to buckle down and finalize how you're going to fund your college education. Whether that entails a full-ride scholarship (way to go!), an impressive financial aid package or even necessary loans, it's important to understand your options. Some of you might even be considering President Obama's Pay As You Earn Repayment Plan...if you can figure out what it involves or if it's even an option. If you're confused about this plan, you're in luck: U.S. News and World Report has broken down the big questions you need answered below:

  • Will these updates help me? If you have federal student loans, maybe. Starting in 2015, borrowers who took out loans before October 2007 or stopped borrowing by October 2011 will be eligible to take advantage of the Pay As You Earn Repayment Plan. Government officials estimate this includes an additional five million people.
  • How much could I save? Now, most federal loan borrowers are eligible for income-based repayment – a different repayment plan that has the same premise as Pay As You Earn. Unlike Pay As You Earn, however, IBR caps payments at 15 percent of one's disposable income and forgives the balance after 25 years of payments. Those differences could mean a lot, both in monthly payment amount and in the total amount paid over time.
  • Didn't the president mention loan refinancing too? He did, but in relation to a bill that Massachusetts Senator Elizabeth Warren introduced last month called the Bank on Students Emergency Loan Refinancing Act. This legislation would allow federal and private student loan borrowers with older, higher interest loans to consolidate them within the direct loan program at today's lower fixed interest rates. That bill still has to pass both the Senate and the House, something that may not happen because Republicans are opposed to paying for the bill with a gradual increase in tax rates for those in the higher income brackets.
  • What else should I know? There is still a long way to go before the president's executive action takes effect: December 2015 is the target implementation date. The overall plan includes quite a few other ideas that will make a difference to student loan borrowers, like improving financial incentives for federal student loan servicers to help borrowers stay out of default, making it easier for active-duty military to receive benefits and increasing communication partnerships with entities such as the IRS and tax companies to ensure consumers are aware of their higher education rights and benefits.

What do you think of the president's attempt to ease the financial burden associated with student loans? Let us know your thoughts in the comments section. And for more information on federal funding, visit our Financial Aid section.

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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by Suada Kolovic

If you're heading to college in the fall, you'll be faced with a serious decision in the coming months: choosing the right major for you. And while there are myriad factors to consider when making your decision, reviewing the most popular college majors and the majors with the highest earning potential aren't bad places to start. But for those of you interested in something unique, USA Today has complied the list for you:

  1. Puppet Arts, University of Connecticut: If you're interested in an undergraduate degree in puppetry, UConn is your only option in the U.S. Getting in might be tough – enrollment is limited to 22 students – but graduates have gone on to work and perform in theatres, television shows and films.
  2. Bakery Science and Management, Kansas State University: KSU offers the only bakery science undergraduate program in the nation and graduates can pursue several jobs within the business. The school's website says bakery students can prepare themselves for "administrative, research, production, and executive positions."
  3. Viticulture and Enology, Cornell University: Though it only recently became an official major, students in the school’s viticulture program typically go on to work in wineries all over the nation.
  4. Secular Studies, Pitzer College: Phil Zuckerman, the school’s founder of the Secular Studies program, explained the degree’s main focus is about understanding secularity, secularism and secularization and how they relate to religion.
  5. Canadian Studies, Duke University: Duke is one of the few colleges in the nation to offer such a program and it’s operated like most history tracks.

Would you consider any of these far-from-mainstream majors? Do you think said majors would translate into success in the real world? Share your thoughts in the comments section. And for more advice on how to choose a college major and 10 things to consider before finalizing your decision, check out Scholarships.com College Prep section.

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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by Suada Kolovic

To my understanding, the general rule of thumb for a creating registry is as follows: any event marking a significant life change (marriage, baby, new home, etc.) warrants one. And while no one would argue that heading off to college would fit that description, only recently have college-bound students been encouraged to register for items that would smooth their transitions to college life.

Once reserved for brides and moms-to-be, big box retailers are opening up their gift registries to college students. Target rolled out a college registry in June and already thousands have signed up. "Our college-bound guests were looking for an easy way to manage lists and share them with friends and family online," said Jenna Reck, public relations manager for Target. "When we looked at the registry experience we already offered through the Target Wedding and Target Baby registries, we quickly realized that it was the right solution." The registry will be accessible year-round and is geared toward students in every stage of their campus lives. Other retailers including Bed Bath and Beyond, The Container Store and Walmart also have registries that cater to college students. (For more on this story, click here.)

What are your thoughts on college registries? Do you think they’re practical or tacky? Share your thoughts in the comments section. For more information on preparing for college and what to expect once you get there, look over our College Prep section.

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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by Suada Kolovic

Here at Scholarships.com, we make a point to advocate the importance of funding your college education the right way (for free!) and while financing your higher education solely with scholarships is an amazing feat, there is another factor to consider: colleges with no tuition to be begin with. Yup, they totally exist – check out the 11 colleges below where you can earn a degree for free:

We should also mention that elite universities with healthy endowments also tout financial aid programs that pay 100 percent of tuition, room and board and fees for students from families with certain incomes – $75,000 or less at MIT, $65,000 or less at Harvard and Yale, and $60,000 of less at Columbia, Cornell, Stanford, Duke, Brown and Texas A&M. For a more detailed look at any of the schools listed or hundreds of other universities, check out our College Search. And let us know where you’re heading this fall in the comments section!

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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by Suada Kolovic

When it comes to paying for a college education, it seems as though students have two options: deal with impossibly high payments while they're in school or crippling debt for years afterwards. Well, Oregon students were provided a third option last year when legislators approved the Pay it Forward plan that would allow students to attend state colleges without paying tuition or taking out student loans but would instead commit a small percentage of their future incomes to repaying the state. It turns out, however, that said plan isn't the saving grace for college students afterall.

First proposed by students at Portland State University, Pay It Forward has drawn serious criticism since Oregon passed a law to study the idea. According to a report by the American Association of State Colleges and Universities, analysis shows that the plan would leave most graduates deeper in debt than if they had taken out loans and would throw colleges’ balance sheets into uncertainty. Here are some of the more prevalent points in the association’s report but for a more detailed look, click here:

  • Pay It Forward does not account for non-tuition costs like room and board.
  • Students who generally rack up the most debt – those at for-profit and private nonprofit institutions — would not be eligible for the program.
  • The program would have “enormous” start-up costs.

Early estimates suggest that Oregon would have to take about 3 percent of a former student’s earnings for 20 years for it to work. With that being said, what are your thoughts on Pay It Forward? Do you think it’s too soon to tell if this is a viable option for other states to adapt?

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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by Suada Kolovic

With recent college graduates facing an unemployment rate of 6.3 percent and substantially lower starting salaries, we have to ask: What path should students take in order to flourish after graduation? And while there isn't one direct route that translates into post-collegiate success, H&R Block has compiled the top 10 majors with the highest unemployment rates for recent college graduates:

  1. Anthropology & Archaeology – 10.5%
  2. Film/Video & Photographic Arts – 12.9%
  3. Fine Arts – 12.6%
  4. Philosophy & Religious Studies – 10.8%
  5. Liberal Arts – 9.2%
  6. Music – 9.2%
  7. Physical Fitness – 8.3%
  8. Commercial Art & Graphic Design – 11.8%
  9. History – 10.2%
  10. English Language & Literature – 9.2%

What are your thoughts on the majors that made the list? Do you agree with the sentiment that these majors that aren't in high demand should be avoided or should students be encouraged to pursue their passion regardless of potentially high unemployment rates? Let us know your thoughts in the comments section. For more information on how to choose a major,the most popular college majors and 10 things to consider before choosing your major, head over to Scholarships.com’s College Prep section.

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!

Comments (23)

by Suada Kolovic

If you're a recent college graduate, chances are you're having a difficult time finding a full-time position in your field of study. It's nothing to be embarrassed about – times are tough and opportunities are slim – but you're not alone: According to new census data, though college graduates with degrees in science, technology, engineering or mathematics are more likely than other college graduates to have a job, most don’t work in STEM fields.

On Thursday, the U.S. Census Bureau's American Community Survey released data that showed nearly 75 percent of all holders of bachelor’s degrees in STEM disciplines don't have jobs in STEM occupations. Liana Christin Landivar, a sociologist with the Census Bureau, noted that the Census Bureau does not classify doctors as STEM professionals, which would also affect the overall percentages; she also said there are multiple reasons why students don't get STEM jobs. On a positive note, STEM degrees provide a wide range of career options, as students aren't shoehorned into one particular position. Anthony Carnevale, director of the Georgetown University Center on Education and the Workforce, said STEM degrees are becoming “universal degrees” and that the report is not an indication of an oversupply of STEM graduates. (For more on this survey, click here.)

Given the collective push across campuses nationwide to increase participation and graduation rates in STEM disciplines, have you been swayed into pursuing a STEM field? Would you accept an offer for a position that wasn't in your field of study? Share your thoughts in the comments section. And for tips on finding employment after college, building a resume and preparing for your first job out of college, check out Scholarships.com’s After College section.

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!

Comments (0)

by Suada Kolovic

Figuring out the bottom line when it comes to the cost of your college education is definitely stressful. With everything that goes into determining your financial aid package (your parents’ income, your earnings and your family’s net assets), it’s important to understand that merit aid (aid based on a student’s attributes like (academics, athletics, extracurriculars, etc.) is available to student regardless of their “need.” New federal rules are blurring the distinction between scholarships awarded on merit and grants awarded because of a student’s financial need – for instance, a growing number of colleges now award “need-based” aid to students from families earning six figures! – so we’ve compiled a few helpful tips to maximize your chances for merit aid and increase your overall financial aid package.

  1. Fill out the FAFSA. Federal rules have changed and college aid officials are now allowed to award need-based aid to students whose parents earned decent salaries last year but have recently been laid off; institutions can also make accommodations for a family’s unique circumstances, such as high medical bills.
  2. Apply to schools where you’d rank at the top. While your dream school might be an Ivy League, you should apply to at least a few colleges where your GPA would put you in the top 25 percent of the student body.
  3. Do the research. If you’re interested in a college, find out what it has to offer when it comes to merit aid. You might qualify for more awards than you think!
  4. Before making a final decision, compare net prices. Consider the cost of attendance in its entirety, including tuition and fees, room and board, books and transportation. The school that offers the most in merit aid might not be the best choice; sometimes the college offering the largest merit scholarship might have the highest net price because its tuition is higher.
  5. Don’t be afraid to negotiate. Believe it or not, you have leverage when it comes to negotiating your merit aid package. If you have received admission letters from two or more universities and your first choice has a higher net price than your second choice, contact your first choice institution (which one is “that institution”...first or second choice?)! Some schools might be willing to match the merit aid offered, which would provide you the opportunity to attend your first choice school for less money!

Can you think of any tips that we might have missed? If so, please add them to our comments section! For more information on finding money for college and how to properly fund your college education, check out Scholarships.com Financial Aid section.

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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