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February is Financial Aid Awareness Month

Feb 4, 2016

by Susan Dutca

What makes February so lovely? It is Financial Aid Awareness Month, and since filling out the FAFSA is stressful - much like taxes - several higher education institutions and financial aid organizations have jumped on board to provide informational sessions for families and students as they navigate through, and apply for financial aid through the 2016-2017 FAFSA. According to the National Center for Education Statistics, the percentage of students applying for, and receiving financial aid for their college education at a four-year-degree-granting institution has increased from 80% to 85% from 2007-08 to 2012-2013. Because of this, the National Association of Student Financial Aid Administrators (NASFAA) will be hosting a new topic weekly through a social media campaign that allows parents and students to ask questions about the FAFSA. To participate, NASFAA asks families to send their questions via Twitter using the hashtag #FinAidFeb to receive tips and advice, as well as the common mistakes to avoid. The social media campaign will take place on Wednesday, February 3rd from 7-8 pm ET and Friday, February 5th from 1-2 pm ET. Those interested can simply follow @NASFAA on Twitter or visit them at their website for full schedule and details.

According to the Salisbury Post, help is on the way on "FAFSA Day" at Catawba's College Library, where financial aid officers and specialists are working with seniors and their families to complete the FAFSA. Between February 22 and February 26, local North Carolina State Employee Credit Union branches will also help students complete their FAFSA. Waubonsee Community College in Sugar Grove, IL is holding a similar series of events throughout February. In light of "FAFSA Frenzy", the Missouri Department of Higher Education is calling for an effort to educate and assist prospective college students, and Webster University is offering sessions on February 28 on its home campus, as well as at its St. Louis region on February 6 and 20. According to the school's statistics, more than 80% of its student population receives financial aid. The college is providing incentive for attending the event by offering attendees the chance to win a scholarship.

When attending any FAFSA informational session, bring your 2015 W-2 forms, and copies of your 2015 tax forms, if they're ready. If you haven't filed your 2015 returns yet, bring any statements of interest earned in 2015, any 1099 forms and other forms necessary to complete your taxes. Later on you may need to go back to your FAFSA and make corrections once the tax returns are filed. The IRS Data Retrieval Tool will help you make accurate corrections within a few weeks of your tax file date.

Tro Onink, CEO of Stratagee and an expert in financial planning, cautions parents about IRA contributions for 2015.Though it may lower tax bills for 2015, it affects the children's financial aid eligibility for the 2016-2017 year. As explained by Onink, individual retirement account (IRA) contributions is factored back to the adjusted gross income (AGI) when financial formulas are used to determine student's financial aid eligibility. When the expected family contribution is calculated, IRA contributions are factored into the adjusted gross income, plus HAS, 401k, 402b and other retirement contributions. He cautions that these formulas would "presume that they [parents] have used that money they're setting aside for retirement to pay for college instead." On the upside, you do not have to record the value of the IRAs as an asset. So what's Onink's main advice? If for example, you invest $10,000 into retirement plans in 2015, your children's financial aid amount could decrease by $2,500 in 2016-2017. Essentially, when you make an IRA contribution, you will be paying more than half the amount you save in taxes when it comes to college expenses. He advocates to save for retirement but be cautions that "just because your adjusted gross income is lower, your income for financial aid purposes will be inflated."

Read more on Financial Aid Information and Financial Aid tips this season as you fill out your FAFSA and don't forget to see how you can supplement federal aid with free money in scholarships.

Credit is attributed to Troy Onink, who has been featured by Forbes, InvestmentNews, myStockOption

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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Two For-Profits Accused of Scamming Students, Won't Get Funding

Feb 2, 2016

by Susan Dutca

Two for-profit trade schools are being accused of lying to students in order to secure millions in federal funding. After receiving a combined $107 million in federal funding in the 2014-2015 academic year, two for-profit trade schools are temporarily banned from receiving any more funding from the Department of Education after reportedly falsifying documents and student statistics in what is being called an "outright lie to both students and the federal government."

Marinello Schools of Beauty has 56 campuses in California and Nevada, 23 of which will no longer receive federal aid after reportedly requesting aid for students who had "invalid high school diplomas" and making students pay higher monthly out-of-pocket costs to cover tuition - such as $2,500 to $2,750 for books and supplies- even when they qualified for more aid, according to Jillian Berman. Marinello is a for-profit institution that received more than $87 million in Pell grants and federal loans in the 2014-2015 academic year. The chain was already on a "heightened cash monitoring” list, which is usually due to issues involving debt, accreditation or turning in financial information late. Marinello spokesman Joe Hixson plans to appeal the decision since the Department only now "disclosed to us its unfounded allegations." He maintains the intuition's innocence and warns that "[Marinello] will defend itself vigorously, without the federal funds our students deserve, our operations are at risk." This cut would affect 4,3000 students and potentially remove 800 employees from their jobs, according to Hixson.

On the other hand, Under Secretary Ted Mitchell claims that such "questionable business practices" simply "violate [the school's] trust through deceptive marketing practices and defraud taxpayers by giving out student aid inappropriately." Similarly, Computer Systems Institute (CSI) has been accused of "submitting false job placement rates" to students by the Department of Education and the Accrediting Council for Independent College and Schools. CSI had stated 42 of its students who graduated were working for a company called Home Health Consultants - the Department's investigative follow-up found no students worked for HHC or in a related healthcare field. CSI received roughly $20 million in federal funding in the 2014-2015 academic year. For-profit schools have been criticized for enrolling students through "troubling tactics" in order to profit from federal funds, leaving students ill-prepared for the jobs they were promised. While for-profit schools are known for admitting nontraditional students, many students end up borrowing large sums of money that cannot be repaid - but the school gets paid regardless.

Corinthian Colleges, known to be one of the largest for-profit schools in the US, went bankrupt after allegations of falsifying "job placement and graduation rates to lure students," according to Berman. Although the schools have two weeks to dispute the claims, Berman notes the Department of Education must “determine what qualifies as a successful borrower defense claim."

Credit attributed to Jillian Berman who covers student debt and financial issues faced by today's youth, with pieces featured in MarketWatch, The Huffington Post, Bloomberg, and Xconomy.

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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Pell Grants for Prisoners? Obama Says Yes

Jan 28, 2016

by Susan Dutca

According to President Obama, the Pell Grant Program should be extended to include convicted felons currently in our prison systems so that they may continue their education from behind bars. The US is a "nation of second chances," according to Arne Duncan, the current Secretary of Education, and should offer the incarcerated the option of an at least partially funded post-secondary education. Additionally, the Obama Administration hopes to extend the program through the summer so that students can graduate more quickly, while also providing incentive for students who take a minimum of 15 credits per semester/trimester.

Currently, those incarcerated at a federal or state penal institution are not permitted to receive a Pell grant - Obama's "Second Chance Pell Pilot Program for Incarcerated Individuals" would change that. Additionally, the Department of Education announced two more proposals to the current Pell Grant program which would increase the $29 billion program by $2 billion in the upcoming fiscal year. The proposal will be part of President Obama's budget proposal next month. The "Pell for Accelerated Completion" program allows students with financial need to take summer courses using Pell grant money, unlike the current program, which only covers two academic semesters.

The second proposal, the "On Track Pell Bonus," rewards students who take minimum of 15 credits per semester with $300. Roughly 2.3 million students would benefit from the bonus program. The goal of these two proposals is two-fold: to help students graduate earlier and to provide them with more financial assistance through the Pell Grant. Almost 8.3 million students were awarded the Pell Grant in the 2015 fiscal year, with approximately $28.7 billion in financial aid. According to the Department of Education's budget report, the maximum Pell grant for 2015-2016 was $5,775 but will be reduced to $4,860 next year.

According to the Department of Education, these changes would benefit almost 700,000 students with an additional $1,900 per student (currently, the average amount received by qualifying students is $3,600). Research also shows that 1.5 million high school graduates did not complete a FAFSA in 2014, despite their eligibility, resulting in just under $3B in unclaimed funds. Since today marks National Student Debt day, a group of young activists named the Young Invisibles will convene at the University of the District of Colombia Community College to learn more about the current student debt crisis and find out how they can influence higher education policy. Members of Congress will be present, including keynote speaker, Senator Elizabeth Warren.

Do you think Pell grants should be offered to incarcerated individuals? Would you take more summer courses if the Pell were to be extended? Start a discussion below.

Credit attributed to Jennifer C. Kerr, Associated Press reporter covering education from Washington, D.C.

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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Craft Beer 101: Universities Offer Microbrewery Education

Jan 21, 2016

by Susan Dutca

The history of beer dates back as far as the 5th century BC and is known to be one of the oldest beverages produced by mankind. However, MillerCoors might not cut it these days for beer aficionados due to the latest cultural trend: microbreweries and craft beer. From your local bar, to the stadium, and now in the classroom, the craft beer industry is starting to dominate its field with universities now offering programs that educate students on the hottest hops and beers to help them launch their careers in the craft beer industry, according to Lisa Rathke of the Associated Press.

Craft beer, as defined by the Brewer's Association, focuses on small-batch, independent, and traditional methods of brewing. The craft industry poses a threat to Big Beer, which fell 2% in 2014. According to industry statistics, craft beer now accounts for a 19% or more of dollar sales. What exactly accounts for this popularity? Some experts point to the "trendy hipsterism" - the "local vibe' that Big Beer just can't match. Brewer Association Director Paul Gatza attributes the increased marvel to beer drinkers' experimentation to brewery experimentation, increased appearance on retail shelves, the social aspect, and its portability. So why not keep up with the trend by becoming more educated and involved in the ever-growing industry?

But there's a catch: you must be at least 21 years of age. Oregon, Vermont, and California all have a minimum drinking age of 21 years and in so far as applying for the programs, students must wait till the legal age to begin their courses. Though the programs are intended to educate and place people in a up-and-coming field, the age at which people may apply may have them delaying their careers and plans until they have reached the age of drinking maturity. The average age for college freshman is 18 years old, while several may be 17 or 19 years old. That said, those intending to enroll in craft beer business courses must wait three to four years before applying and starting. Do you think the age requirement should be lowered?

Ranking at the top in the nation for the most breweries per capita, the University of Vermont offers an online business of craft beer certificate program and optional apprenticeship. According to program director Gregory Dunkling, students apply from all across the nation. Most beer-focused breweries started out five to ten years ago. Industry statistics reveal that in 2014, overall beer sales were up only 0.5% while craft beer sales increased by 17.6%. The U.S. far surpassed 4,000 breweries in September of 2015, and it had not crossed this barrier since 1873. A decade ago, Dunkling claims that home brewers, despite their strong home recipes, lacked "business acumen" - so they hired marketing, sales, and business operation staff. With increased competition in the industry, there's a demand for higher brewer knowledge, especially on the business side. UV's online class offers two separate courses: the Fundamentals of Craft Beer, and then a choice for focus on Digital Marketing, Sales, or Business Operations.

In 2013, Portland State University in Oregon began their online Business of Craft Brewing program and within a week, the class had filled all its seats. Found to be one of the "most successful professional certificate programs," it attracted international students who either "didn't want to necessarily go to college," or had already received a degree - they genuinely wanted to learn how to open their own brew pub, which required a bit more knowledgeable in marketing. Portland State University even offers a scholarship opportunity in craft brewing, titled Pink Boots Scholarship for a woman who earns income from the beer industry.

Also, San Diego State University's College of Extended Studies offers a similar professional certificate in the business of craft beer - from introductory courses such as "Exploring Craft Beer" to "Finance," students can venture into the field at local breweries, to get a hands-on learning experience in the craft beer industry. Students can receive their certificate in less than 1.5 years.

If you have a taste for microbrewery, viticulture, or any related fields of study, search for scholarships today and pursue your higher education dreams with the help of free college money.

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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Netflix, Facebook Founders to Dole Out Billions for Education Reform

Jan 14, 2016

by Susan Dutca

New year, new initiatives; funded by big name billionaires. Many college students may spend time perusing Facebook or enjoying popular hit series on Netflix such as House of Cards or Orange is the New Black, but the big dogs who founded these entertainment mediums are coming out with greater initiatives: focusing to improve education.

The phrase "the more you have, the more you want" never resonated well with 31-year-old billionaire and Facebook CEO Mark Zuckerberg, and Netflix Cofounder and CEO Reed Hastings isn't a big fan of school boards. What do these big shot billionaires share in common? A strategic plan to invest big money in the nation's future education.

Netflix and...Education

Most people are more familiar with the name Netflix than they are that of the man behind it, Reed Hastings - but that could be about to change. Hastings recently took to Facebook to announce a $100,000,000 philanthropic endeavor: the Hastings Fund. The fund will focus on children's education, as reported by Senior Writer Ben Fox Rubin from CNET News. Hastings has served as President of the Technology Network, served on the California Board of Education for four years, donated $1 million to Proposition 39, and much more. In addition, he has also been part of other academies and programs dedicated to developing teaching videos, with a primary concern of growing high-quality charter schools and developing technology that could transform education. He admits he was never "good at following orders," and volunteered for the Peace Corps. in Swaziland, foregoing the opportunity to "buy yachts" in favor of improving K-12 education and trying to "figure out why our education is lagging when technology is increasing at great rates..." Offering a long-term solution would come from expanding charter schools was his intention while attending Stanford. Netflix got in the way, and Hastings never graduated from Stanford, but his education initiatives and dreams lived on. CNET News reports The Hasting Funds' first two gifts will be given to the United Negro College Fund and to the Hispanic Foundation of Silicon Valley, a "total of $1.5 million to support the education of black and Latino college education." Forbes estimates Hasting's net worth surpasses $1 billion, including $900 million in Netflix stock and options.

Facebook CEO Giving $45 billion for Education

Inspired by the birth of their daughter, Max, Facebook CEO Mark Zuckerberg and his wife Priscilla Chan announced a new initiative to dole out 99% of their Facebook shares - valued at $45 billion - throughout their lifetime to the Chan Zuckerberg Initiative. The world's largest social media CEO intends to "improve this world for the next generation," according to Zuckerberg. Furthermore, he claims the mission to change the world is a "basic moral responsibility to tilt our investments." Primary areas of focus will be on personalized learning, curing disease, connecting people and building strong communities, according to the couple's open letter to their newborn daughter, Maxima.

The organization would be a limited liability company (LLC) as opposed to a traditional philanthropic organization. Though inspired by the $41 billion Bill and Melinda Gates Foundation, it differs in that the Gates Foundation is structured as a tax-exempt, non-profit foundation and charitable trust, and is a 501 (3)(c). The Gates Foundation is not only well-known for its profits but for its efforts battling global poverty, the spread of deadly curable diseases, and improving education overall. Though Zuckerberg has a different philanthropic approach from the Gates Foundation, Gates commented that, "As for your decision to give back so generously, and to deepen your commitment now, the first word that comes to mind is: Wow. The example you're setting today is an inspiration to us and the world."

There has been skepticism and criticism in Zuckerberg's choice of structure, as it could potentially maneuver around legal structures and tax strategies. In response to criticism, he claims "The beauty of having an LLC in today's world is No.1, you have the ability to act and react as nimbly as need be to create change." Zuckerberg, for example, would be able to make political donations and is not required to give 5 percent of its value annually. Regardless of how the funds are allocated, the couple's focus is to gradually seek long-term solutions as opposed to pouring all money into one issue, as evidenced by Zuckerberg in his letter to his daughter;" We must make long-term investments over 25, 50, or even 100 years...the greatest challenges require very long time horizons and cannot be solved by short-term thinking."

Do you support or oppose this initiative by top CEO's when it comes to education? Leave us your thoughtful comments below.

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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Missouri Chancellor’s Ouster Plotted by Deans?

Student Protests May Not Have Caused Mizzou Resignation After All

Dec 29, 2015

by Kevin Ladd

Were student protests really even behind the ouster or was Mr Loftin's resignation a product of a coup orchestrated by nine deans who wanted him gone? According to The Chronicle of Higher Education, the deans involved had been having second thoughts about the appointment since Mr. Loftin arrived and his ouster was due to myriad occasions wherein he would refer to them as "essential middle management" and allude to his power to "fire" them.

Thomas L. Payne, who is vice chancellor and dean of the College of Agriculture, Food, and Natural Resources, expressed feelings that Mr. Loftin often used inappropriate methods and measures. Mr Payne reportedly recalled saying to Loftin, "I feel I must tell you that I don't think your leadership of this university is appropriate. I don't think your approach, in many cases of fear and intimidation, is the way we operate in the Midwest or anywhere. I think you should resign."

Mr. Loftin was deemed "irrevocably broken" after a dean had been forced out in December. Dean Patrick Delafontaine had served at the School of Medicine for less than a year and though the chancellor claimed Delafontaine left at his own will, the dean's colleagues didn't quite buy that. Delafontaine was known for doing a "good job" at the school and "to see his efforts dismissed and undermined...let [the deans] to conclude that [their] relationship with the chancellor was irrevocable broken."

Meanwhile, as all of this was brewing and perhaps even conveniently for the deans, student relations began to be a major issue at the school, coming to a boiling point in October and continuing to escalate, culminating in a hunger strike and members of the football team threatening to boycott all athletics unless the president stepped down. Though Loftin had befriended the student protestors by bringing them food to their demonstrations and "holding court" on the quad, his resignation had already been underway at that point.

While certainly the school must have been concerned about all of the issues students raised, it certainly does appear there was much more happening below the surface of the widely reported scandal. Do you think Mr. Loftin would have been forced out had the students not spoken up and demanded action? Leave us your insightful comments in the box below.

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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Pay Attention to Big Changes in FAFSA, 529s, Financial Aid

Dec 28, 2015

by Susan Dutca

Understanding the financial aid process, much less filing a FAFSA, can be tedious and daunting. With over 130 questions and requiring more than 30 minutes to complete, students may procrastinate, or completely avoid completing a FAFSA. With pending changes for the upcoming years - such as an earlier deadline - some experts claim the process won't necessarily get easier or more affordable, if not done correctly. Terry Savage, an expert writer for the Chicago Tribune, claims the new FAFSA will be more "intrusive than federal tax forms because it not only asks about income but also the assets of parents and students." Savage outlines some tips and general information on how to prepare for the changes, including early application and knowing the logistics of 529s, financial aid, and FAFSA:

  • Earlier application dates: Many people can recall the last-minute rush to apply for FAFSA and the anxiety that accompanies it. A big change in the FAFSA for 2017-2018 academic year is the earlier application. Students will be able to file as early as October 1, 2016, as opposed to January 1, 2017. Additionally, you will be able to use a FAFSA retrieval tool to directly and electronically access tax information from the IRS, after filing a 2015 tax return. The income you will report on your 2015 return will, in turn, affect your financial aid for the 2017-2018 academic year.
  • 529 Plans: 529 plans are college savings accounts that are exempt from federal taxes and were designed to help taxpayers set aside funds for a designated beneficiary. While any U.S. citizen or resident alien of at least 18 years old may open a 529 account, beneficiaries are typically children, grandchildren or younger relatives. Assets in a 529 plan owned by either the student or their parents count as need-based aid but plans owned by grandparents or other people do not count as assets. If money is withdrawn from the accounts of grandparents or other relatives, there is a penalty in the following year's financial aid package. Savage recommends you do not withdraw from your 529 account until your junior year in college, after filing the FAFSA for that year. Withdrawing from the 529 is not penalized so long as you are paying for "qualified expenses," including tuition, room and board, books, and other miscellaneous fees. Withdrawing from a grandparent-owned 529 plan is considered direct income to the beneficiary. There is a 10 percent penalty and taxes for withdrawing money to cover any other costs, unless the student receives a scholarship, dies, or is disabled.
  • Family assets preferred over child assets in financial aid scheme: UTMA custodial accounts are considered student assets - such as property, real estate, fine art, or future inheritances - which could have a large impact on financial aid eligibility. However a custodial 529 plan of a dependent student is treated as a parent's asset on the FAFSA - meaning less impact on the dependent students' financial aid eligibility. It is recommended that custodial accounts be spent for the child's benefit prior to the FAFSA filing year or transferred into the custodial 529 account.
  • Income-driven assets: In addition to providing all income information on the FAFSA through parents' tax returns, assets such as capital gains also count as income. Savage notes that "selling stocks and taking gains" the year before filing can impact what the student will receive in financial aid. For example, taking $3,000 in capital losses can reduce parental income, Savage states. The result of student income will reduce financial aid on a "dollar-for-dollar basis" which consequentially may become a disincentive for students to work and support their education.
  • Take the time this winter break to review the FAFSA changes so as to be better prepared and gain the most in financial aid for your college education.

    Credit is attributed to Terry Savage and the experts at the Federal Student Aid website. Savage is one of the country's most prominent advisers and a best-selling author on personal finance, corporate boardrooms, academia, the markets, and the economy. Federal Student Aid (studentaid.ed.gov) is a free website and source of information provided by the office of the U.S. Department of Education.

    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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Rampant Cheating Discrediting, Devaluing Online Education

Dec 24, 2015

by Jess Hanch

For $900, you can have a class taken for you and guarantee yourself an "A". Tempted? Academic cheating is now an industry helping online students get the grades they want by doing absolutely nothing. The art of cheating has been taken to a new level, with companies offering services for a price to guarantee students an "A" in their online classes. With the intelligence ingenuity of professional cheating companies, professors fear the growth of the cheating industry and how it degrades online education.

A ten-week study at Western Carolina University addressed the issue, and generated surprising results. Professors Alvin Malesky and Robert Crow created a fake online course, enrolling students with fake names and designating a couple of random students as "cheaters". Those students had to shop around for cheating companies and fool the professors. According to the Chronicle of Higher Education, those students googled keywords like "take my class for me" and "cheat on my online class" and 20 plus companies came up in the results. One student who was successful paid a company upwards of $900 to complete all of his coursework and get an A. To the professors' surprise, the company was successful. These companies have professionals in every field of study, able to effectively complete coursework and avoid plagiarism. Professor Crowe stated that the cheating student’s work was at a higher level, but not enough to "red-flag him". Throughout the study, both professors detected plagiarism, but none were from the students assigned to use a cheating service.

The results raise many concerns for educators, and should raise concerns for employers. The growth of these companies will increase the number of students with false degrees and zero credibility. With the number of students enrolled in online courses, if only a fraction of those students cheated, the number still breaks the ten-thousand mark. The study supports those who believe online courses are not legitimate, and makes it difficult for professors who support online education to effectively teach these courses and make sure their students are prepared for real-world jobs. To address this concern, the study was published with tips on how to catch cheaters, and Malesky cites "awareness" as the best way to detect cheating. With regards to the rise of the cheating industry Malesky says "as of now, there are no mechanisms in place to [effectively] stop it". How do you think this seemingly widespread cheating affects online education? Start a conversation below.

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 National Scholarship Month

Nov 5, 2015

by Susan Dutca

November is National Scholarship Month, referred to by the National Scholarship Providers Association, and just so happens to be our favorite month of the year! This month is a special time to raise awareness of scholarship opportunities for current and future college students. Also, it's an excellent time to begin your scholarship search if you have not done so already. To help you in your search, we have compiled a list of scholarships with end-of-the-year deadlines, as well as scholarships for next year, so as to help you apply before the year is over. Dedicate some time to applying for current and coming academic years with these scholarships:

Arizona Milk Producers Scholarship

Deadline: November 9, 2015
Available to: High school seniors – college seniors
Maximum Award: $12,000

Is your 'stache worth the cash? Dairy plays an important role in fueling active minds and bodies, and can now help you earn a college scholarship. Simply take a picture of your best milk mustache for the chance to win a top $12,000 scholarship.

You must be enrolled or plan to enroll in an Arizona university as a full-time students to qualify. Make sure you are the only one in the photo and that a diary product is clearly visible in the photo. Upload your photo to Instagram and tag @azmilkproducers using the hashtag #ampscholarshipcontest and #ASU, #NAU or #UofA.

For more information and to apply, please visit Arizona Milk Producers Scholarship

The Resolve to Evolve Scholarship

Deadline: December 9, 2015
Available to: Scholarships.com Members
Maximum Award: $2,000

The Resolve to Evolve Scholarship is about more than just making resolutions - it's about creating change and furthering our evolution as individuals and a society. Applicants must write an essay of no more than 5,000 characters, addressing a two-part question.

All applicants must be registered members of Scholarships.com in order to qualify. If you have not already registered, go to the Scholarships.com home page and register now for free.

For more information and to apply, please visit The Resolve to Evolve Scholarship

Our World-Underwater Society Rolex Scholarship

Deadline: December 31, 2015
Available to: Graduate students ages 21-26
Maximum Award: $25,000

Our World-Underwater Scholarship Society has provided firsthand experiences in underwater-related disciplines to young people considering careers in the underwater world. Each year a Rolex scholar is selected to work with leaders in marine-related fields. Scholars partake in endeavors ranging from scientific expeditions to laboratory assignments.

Students must not have earned a graduate degree and have not chosen a clearly defined career path, as well as be between the ages of 21 and 26.

Students must have certification as a Rescue Diver or equivalent with a minimum of 25 dives within the past two years.

For more information and to apply, please visit Our World-Underwater Society Rolex Scholarship

Doodle 4 Google Art Competition

Deadline: December 7, 2015
Available to: Ages 5-18
Maximum Award: Up to $30,000

From cave paintings to selfies, artists have always found creative ways of expressing themselves. Google is asking young students to use their homepage as a canvas by doodling with any materials to show what makes them unique.

The winner's artwork will be featured on the Google homepage for a day, and one national winner will also receive a $40,000 scholarship. Students in grades K-12 are invited to participate and must incorporate the letters G-O-O-G-L-E.

For more information and to apply, please visit Doodle 4 Google Art Competition

The Center for Alcohol Policy Essay Contest

Deadline: December 5, 2015
Available to: 18 years and older
Maximum Award: $5,000

This year's essay topic for The Center of Alcohol Policy's contest is: "This year marks the 10 year anniversary of the Supreme Court's Granholm decision, which ruled against two states' laws that discriminated against out-of-state alcohol producers but also affirmed that "The three-tier system is unquestionably legitimate." How has this "unquestionably legitimate" system fostered competition, increased new products available to consumers and worked to protect consumers and the public?"

Applicants must be 18 years or older to apply and may email or postmark their essays.

For more information and to apply, please visit The Center for Alcohol Policy Essay Contest

The Anne Ford Scholarship

Deadline: December 15, 2015
Available to: Graduating high school seniors
Maximum Award: $10,000

The Anne Ford Scholarship is a $10,000 scholarship to a graduating high school senior with a documented learning disability who will be enrolled in a full-time bachelor's degree program.

Students must demonstrate financial need and provide current documentation of an identified learning disability. Must maintain a 3.0 GPA or higher and must be able to articulate his/her learning disability and demonstrate the importance of self-advocacy.

For more information and to apply, please visit The Anne Ford Scholarship

Colored Rocks Contest

Deadline: December 4, 2015
Available to: Graduating high school seniors
Maximum Award: $3,500

The Colored Rocks Foundation annually awards 15 high-achieving senior male high school students from diverse ethnic backgrounds who have committed to help at least one of their struggling peers achieve their high school diploma.

Applicants must answer a 2-part essay (500-1,000 words) and submit a community project plan. Applicants must attend and graduate from a high school in Georgia to be eligible for the award.

For more information and to apply, please visit Colored Rocks Contest

Hispanic Annual Salute Award

Deadline: December 4, 2015
Available to: Graduating high school seniors
Maximum Award: $2,000

Hispanic Annual Salute offers scholarship to Hispanic youth who exhibit and encourage volunteerism. The goal is to provide students an opportunity to continue their education beyond high school.

Students must graduate from high school, maintain a 2.5 GPA or higher and perform notable volunteer contribution in the Hispanic community, specifically unpaid volunteer activity not related to fulfilling a school requirement. Applicants must reside in Colorado.

For more information and to apply, please visit Hispanic Annual Salute Award

Burger King Scholar Program

Deadline: December 15, 2015
Available to: Graduating high school seniors
Maximum Award: $1,000

Created in memory of Burger King’s Co-founder James “Jim” W. McLamore, the Burger King Scholars program awards students who have a strong academic record with a minimum 2.0 GPA. Students should be passionate about serving their community and be a high school senior, BK employee, spouse/domestic partner or child of an employee.

High school students should be graduating seniors who plan on attending a two- or four-year accredited university.

For more information and to apply, please visit Burger King Scholar Program

Cancer for College Scholarships

Deadline: January 31, 2016
Available to: Undergraduate students
Maximum Award:$16,000

No child should ever have to deal with cancer. That is why Cancer for College provides hope and inspiration to cancer survivors in the form of college scholarships. Applicants must be a cancer patient or cancer survivor to be eligible and must be a US resident enrolled in an accredited university or community college.

Cancer for College offers several different scholarships so make sure to read the eligibility and criteria requirements for each before applying.

For more information and to apply, please visit Cancer for College Scholarships

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!

Comments (3)

Is College Football Stealing Your Education?

Oct 19, 2015

by Susan Dutca

To date, roughly 70 percent of college students graduate with approximately $30,000 in college debt. What accounts for the increase in college tuition and debt burden? A short by Brave New Films titled The Big Came: College Football Stealing Your Education claims that college athletics, particularly football, may just be the problem. Since 2000, state universities across the nation have increased their tuition by 30 percent. Schools with strong football programs have increased tuition by as much as 65 percent. Studies reveal a correlation between student fees that feed directly into athletic programs and force tuition hikes. Ohio University for example, has athletic fees that run $48 a credit hour. That is about $6,000 of financial aid and scholarships that goes into paying for schools' athletic programs.

How does this affect school budgets? Many universities have taken to cutting faculty and degree programs, such as the University of Akron, which cut 215 jobs and $40 million dollars from their budget and yet, tuition did not go down. Head Football Coach Terry Bowden was signed to a $2 million contract, which comes out to $400,000 a year. When compared to the average adjunct professor salary of $25,000, it is important to consider the allocation of money within higher education. According to the Huff Post, most state coaches are the highest paid public employees.

Supporters of collegiate athletic programs argue that there's immense profit, but this is debatable as it's been found that Division I athletic programs lose $11 million a year on an operating basis and much more when capital and indirect costs are included. Athletic programs may not be as self-supporting if "the vast majority require a subsidy from the institution" to survive. Students will pay separate fees and higher tuition to cushion the deficit - these fees will not help fix classrooms or hire faculty. Alumni who donate to schools are typically donors to athletic programs rather than student or academic scholarships. It may make sense that the revenue generated from winning teams would feed directly into the athletic program and yet, those same programs remain in deficit.

In your opinion, do you think collegiate athletic programs are distorting expenditures and neglecting other important areas in higher education? Leave us your opinion in the comment section below. If you are an dedicated, passionate and talented athlete, check out some of our sports scholarships.

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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