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For Some, "Pay it Forward" A Step Backward

3% Over 24 Years Not a Bargain for All

Aug 22, 2013

by Kevin Ladd

Dreamed-up in Portland Oregon and soon lauded in New Jersey, Washington, Ohio and elsewhere, the "Pay it Forward" plan could cost some folks more than simply taking out loans at 6.8%. With the plan calling for approximately $9B in start-up funds and requiring college grads to pay 3% of their income for the 24 years following graduation, only those making below a certain amount would benefit. Certainly, it would be great in the beginning and sounds easier than securing loans, but anybody looking at the big picture and planning to earn over $55K per year upon graduation should probably consider a more traditional path. As always, we recommend finding as many scholarships as possible to keep student loans to a minimum. Free money is better than either of the aforementioned options!

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 Carly Gerber

Are you stressing out because you don’t know how you are going to pay for a college education? Joining the military is one way to help you pay for college and build your resume.

After high school, Richard Coughlin decided to join the U.S. Coast Guard because they would pay for his college education and provide many benefits such as health care. Coughlin was enlisted from September 2006 until September 2012 but he chose to extend his service for two years and thinks of his time in the military as a very positive experience. Coughlin spent most of his service in Hawaii, where he trained and took classes that were transferred to his current university. According to Coughlin, military members who complete their service feel lost and confused because they weren’t proactive about their next step; however, the Veterans Affairs office at one university was extremely helpful at transferring college credit hours and guiding Coughlin through the process of attending a university, which is why he chose to attend the school he will one day call his alma mater.

Also, since Coughlin was enlisted with the Coast Guard, he was able to get a job as a dolphin trainer as soon as his service was completed. Normally, a dolphin trainer needs either a bachelor’s degree or a certificate but the process was quicker for Coughlin because he had experience from the Coast Guard. The G.I. Bill requires the military to pay for veterans’ college tuition, books, and room and board, but Coughlin has money from dolphin training that can be used towards personal expenses.

Though he initially joined the Coast Guard to help pay for college, Coughlin believes that his service has helped him land a job and taught him respect and independence he will carry with him for the rest of his life. Have you considered joining the military before attending college?

Carly Gerber is majoring in journalism at Columbia College Chicago. She loves fashion and hopes to cover the topic for a Chicago-area magazine. In her free time, she focuses on her blog, loves making jewelry and spending time on Pinterest and Pose. She hopes to use this blog to guide and relate to its followers: college students like herself!

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 Mary Steffenhagen

Hey there, Scholarships.com readers! I’m Mary, a junior English major/business minor student at Concordia University of Wisconsin.

I’ll admit, I didn’t give my college search as much time or thought as I should have. I chose to attend Concordia for two main reasons: I was offered a substantial academic scholarship (and rather a lot of financial aid) and was able to take a free trip to London, Normandy and Paris through the honors program during my freshman year. However, my time at Concordia has been well spent as I have been able to take a number of fascinating classes with some exceptional professors, make a few lifelong friends, travel and even get some decent sleep.

I love having a busy schedule so this year I plan to intern in Milwaukee and hopefully (fingers crossed!) head to New York City in the winter. I've indulged myself a little with my English major – reading and being impacted by what I read has always been one of the best parts of my life – and I am looking forward to a career that not only allows but requires me to do just that.

The opportunity to be a virtual intern with Scholarships.com is one I couldn’t pass up: Not only is this the sort of writing experience necessary for my resume, but it’s a bit out of my comfort zone. I hope to challenge myself to be a resource to you readers and help bring some insight into the ordeals of life as a college student.

I’ll sign off with the most important thing college has helped me realize (so far): Challenge yourself and you’ll be pleasantly surprised at what you can accomplish. Thanks for reading!

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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Win $10K in this Scholarship of the Week!

This SOTW is Accepting Entries Through July 21st

Jul 17, 2013

by Suada Kolovic

Looking for a scholarship that doesn’t require an essay? Well, look no further than ScholarshipPoints for your chance to win a $10,000 scholarship. ScholarshipPoints is free to join, fun to participate in, and provides you with the opportunity to win thousands of dollars in scholarships every month. Members earn scholarship points for doing what they already do online: shopping, reading blogs, playing games, searching the web, taking surveys and more! The more you do – the more points you earn – the more chances you have at winning a scholarship. They gave away over $145,000 in scholarships in 2012 and are hoping to give away even more in 2013! Join today and you could be their next scholarship winner!

For more information on this scholarship and other scholarship opportunities, conduct a free scholarship search today!

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 Anthony Guzmán

Maybe you grew up in a small town where everyone knows everyone and gossip spreads like wildfire. Or maybe you just want to experience something new. Whatever the case is, my advice to you is to see the world through studying abroad! Who am I to tell you what to do? My freshman year of college has been the best year of my life, partly because I studied abroad. For spring break, the Mays Business School sponsored 15 freshmen to travel to Paris; this trip gave me the travel bug so I started the process for my first study abroad trip.

Imagine the study abroad planning process like an upside-down pyramid: At the top you have, “I want to go somewhere!” but as you move down the pyramid, you narrow your search until you are left with the perfect trip for you. To get to that point, you need to answer these questions:

  • What kind of study abroad program (faculty lead, transfer credit, reciprocal exchange, internships, etc.) and where?
  • Can I receive academic credit for the courses?
  • What kind of courses will I take? (languages, major related, etc.)
  • For how long? (I recommend during the summer or when your degree plan allows it.)
  • What is your budget (ex. Latin America is cheaper than Europe) and is the financial aid you receive from your school applicable? (I was fortunate enough to have my study abroad experience paid for with scholarships, financial aid, donors and family; if you need additional aid, apply early.)

As you can see, study abroad encompasses many aspects but there are plenty of resources. The first place to begin your search is your school’s study abroad office: Set up an appointment, attend a seminar, review the study abroad website or just swing by and look for flyers for different programs. There is something out there for everyone whether you want to learn a language, teach English, dive deeper into your major or explore a different culture. For example, during May and June, I studied with Sol Education Abroad in Costa Rica, took classes at a local university, lived with a host family (my most cherished part) and went on excursions with a great group of students from different colleges.

Everyone’s study abroad is unique – I did it my freshman year and it helped me get ahead while I had the time of my life! – but it’s on you to make the experience a reality. Bon voyage!

Anthony Guzmán is currently a rising sophomore at Texas A&M University where he studies business management and Spanish. He hopes to use business to create positive change through non-profit organization. He devotes the majority of his time to Catholic ministry and he also enjoys dancing, being with friends and family, and traveling.

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 Anthony Guzmán

Howdy, Scholarships.com readers! My name is Anthony Guzmán, a sophomore business major and Spanish minor from Austin but most importantly, I am the loudest and proudest member of the Fightin' Texas Aggie Class of 2016!

That's my typical introduction as a student here at Texas A&M University in College Station. As for how I got to this point, choosing my school was cake after I experienced A&M's family feel, tradition and dedication to financial aid. (Yay!) I study business management because I love people and intend to use my major to help others through non-profit organizations. I am also the first in my family to attend college so I'm trailblazing and taking advantage of all the opportunities that have arisen right in front of me.

But I am not always doing the nerdy college thing! I love to dance, hang out and meet new friends. I call myself athletic because I casually knock the soccer ball around and I go out for a few long runs. Also, I participate in many organizations: For example, I am heavily involved in ministry at my school's parish, which reflects my deep love for my faith.

As you begin your journey toward college, you may be tempted into thinking, "Look at all these successful college kids...they make it sound so easy" or "I’m not as bright as them." Well don't fall into that: Just over a year ago, I had no idea what, where or if I would study after high school but I was fortunate enough to find resources to help prepare myself for what was to come! So think of this guy Anthony as your friend or big brother, a resource you can utilize. Feel free to pick my brain – that is what I am here for! You are already on your way to a bright future. Thanks and Gig'em!

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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The Haiku Ninja Facebook Scholarship is Back!

Earn $1,000 or a Kindle Fire for College with Just 17 Syllables!

Jul 2, 2013

by Suada Kolovic

Are you a poetry ninja? If so, then we’ve got the scholarship for you: Scholarships.com’s Haiku Ninja Facebook Scholarship!

The Haiku Ninja Facebook Scholarship will go to the Scholarships.com fan that creates the best haiku detailing how our site is helping them combat the college admissions process and score some serious financial aid. Love our scholarship search? Tell us why! Is our financial aid section really helping you out? Send us an example! Think our college prep section is the best? Give us a shout out! The trick is you must convey your feelings in only three lines and 17 syllables – five syllables in the first line, seven syllables in the second line and five syllables in the third line – and post it on our Facebook page. We always love hearing from our users so get creatively concise and you could earn $1,000 or a Kindle Fire for college!

Step 1: “Like” Scholarships.com on Facebook.

Step 2: Post a haiku on our wall about how Scholarships.com is helping you prepare for and afford college. Once you do this, you are automatically entered to win a $1,000 scholarship or a Kindle Fire.

Step 3: You may enter as many times as you want over the course of the contest but please limit your haiku entries to one per day. From there, the Scholarships.com Team will determine which haiku best exemplifies what our site is all about and which applicant is using our resources most effectively. You must also adjust your privacy preferences to allow Scholarships.com to message you should you win.

This scholarship competition is offered by Scholarships.com and is in no way sponsored, endorsed or administered by, or associated with, Facebook.

Starts: July 2nd

Ends: August 18th

Amount: $1,000 for one first-place winner; one Kindle Fire each for second- and third-place winners

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 Chelsea Slaughter

The search for good scholarships can be a task, but it doesn’t have to be hard work! When I was exploring the wide world of scholarships, I tried my best to look into ones I knew I could succeed at winning. Here are a few tips for finding your best scholarship opportunities:

  • Search for institutional scholarships. This is always a great starting point: Go to your college or university and check out what scholarships they are offering current or accepted students. Most schools have scholarships for different majors and GPAs – all you have to do is find the one that fits you and apply!
  • Use Scholarships.com and other scholarship search sites. Doing a search on Scholarships.com and other similar sites would put in in the right place to find scholarships that perfectly fit you. Each site contains their own scholarships, plus corporate, private and local scholarships that fit your needs. Doing this weekly will help you find the right scholarships as soon as they are posted.
  • Check with your counselor. Stopping by your counselor’s office frequently can help you get a leg up on other students and find the scholarships that some organizations don’t post online and instead send directly to high schools. If you’re currently in college, make sure you go past your financial aid office to see what’s posted.
  • Consider employers, not-for-profit organizations and religious institutions. Check with your employer, organizations you’re involved in and the religious institutions you attend to see if they are offering any scholarship opportunities. You’d be surprised at what is available to those in the inner circle!

Don’t let your scholarship search become a stress-filled situation; instead, put the most energy in completing the applications, writing essays and meeting deadlines. Have any scholarship search tips to share? Let us know in the comments!

Chelsea Slaughter is currently a junior at Jacksonville State University majoring in communications (public relations concentration) and minoring in art. She serves as a resident assistant on campus, is the treasurer in the Public Relations Organization and is an active member in W.I.S.E., NAACP and Omicron Delta Kappa Honors Leadership Society. She aims to work in the entertainment industry post-graduation and is well on her way thanks to an internship with a digital marketer to several music artists. Chelsea strives to achieve all of her goals and motivate others along the way.

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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Delete Cyberbullying in this SOTW!

This SOTW is Accepting Entries Through June 30th

Jun 24, 2013

by Suada Kolovic

In an effort to get students committed to the cause of deleting cyberbullying, the Delete Cyberbullying Scholarship is offering high school, college and graduate students one of two $1,500 scholarships for educational expenses. Students must be U.S. citizens or permanent residents who are attending or will attend an accredited U.S. college or university for undergraduate or graduate studies. One essay of up to 500 words must be submitted. The two topics students may choose from are: Essay topic option 1: "Why is it important to work to delete cyberbullying?" Essay topic option 2: "How has cyberbullying personally affected you?"

For more information on this scholarship and other scholarship opportunities, 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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The Time is Right to Resolve to Evolve

Our Annual Essay Scholarship is Back – Apply Online Today!

Jun 19, 2013

by Suada Kolovic

The Time is Right to Resolve to Evolve

The Resolve to Evolve Scholarship is about more than just making resolutions - it's an opportunity to proactively and progressively confront challenges, however daunting they may be. The R2E Scholarship encourages applicants to move beyond finger-pointing and offer constructive criticism and workable solutions for problems facing an administration or an organization. Ready to create change and further our evolution as individuals and as a society? Review this year’s prompts and submit your essay today!

The R2E Scholarship is open to all United States citizens who are registered users of Scholarships.com, will be enrolled in high school (grades 9 through 12) during the 2013-2014 school year and will be between the ages of 13 and 19 at the time the award is given. The applicant who submits the best overall essay will receive a $2,000 scholarship. One (1) winner will also be selected from each grade level (freshman, sophomore, junior, senior) and will receive a $1,000 scholarship each.

All entries must be submitted via Scholarships.com’s online submission form by the August 30th deadline. Finalists will be notified by mid-October for additional materials. Winners will be notified in mid-November and awarded in early December. For more information on Resolve to Evolve and other scholarship opportunities, conduct a free scholarship search today!

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 Diane Melville

Yes, I’ve applied for a LOT of scholarships. It was basically my full-time job throughout college and Scholarships.com was my preferred source for finding the scholarships that I qualified for. You may think that this post will outline how you should do the same thing. False: Me telling you how to apply for 300 scholarships would be like a guy who found a mountain of gold after searching for 30 years telling you to take the same long, exhausting journey. You don’t want to repeat his arduous trek – you just want to buy a one-way ticket to gold mountain! In the same way, I want to teach you some of the lessons I’ve learned along the way that will help you to win scholarships...without having to apply for hundreds of them.

Start Small. I started this whole thing by applying to one scholarship. That’s it. I won that scholarship ($1,500 a year for the rest of my education) and that’s what motivated me to apply for more. Some students create massive goals for themselves and set out to win a ton of scholarships, yet they soon find the process to be daunting and give up. The best piece of advice I can give you is to start small. Don’t try to find hundreds or even dozens of scholarships in one shot. Instead, find five scholarships that have deadlines within the next six months and make it a priority to apply for them. First off, it’s a lot easier to find five scholarships that you not only qualify for, but feel you have a solid shot of winning. Second, this will be enough of a taste of the application process to help you determine whether or not you’d like to keep this whole scholarship thing up. If you do end up winning a scholarship, or if you simply enjoyed the process, then you can go to town and apply for many more. Until then, keep it simple.

Select the Right Scholarships. National corporate scholarships draw a lot of applicants so even if you are eligible, the odds of you winning are low in comparison to the smaller ones. The same goes for awards with very limited requirements. What should you do then? I suggest that your five scholarships look something like this:

  • Two national scholarships (examples: Coca-Cola Scholars Foundation, Hispanic Scholarship Fund, Jack Kent Cooke Foundation, etc.)
  • Three small or local/state scholarships (examples: Central Massachusetts Community Foundation, City of Boston Scholarship Fund, The Girl Friends Fund Scholarship, etc.)

This mix still gives you the opportunity to win a national award but increases your chances of success by including smaller, local scholarships that receive fewer applicants.

Take Your Time. Now that you’ve got your scholarships selected, you should put maximum effort into completing the applications to the best of your abilities. Don’t procrastinate until the night before the essay is due and just slap a few things together with the hope that it’s good enough – really research and consider what each scholarship organization values and try to highlight the areas of your life that reflect these values.

Push Through It! You are going to feel unsure. Maybe you hate your essay. Maybe your resume feels lacking. You get stuck, then procrastinate, then neglect and before you know it, the deadline has passed and you didn’t apply for the scholarship. Don’t let this happen! If you don’t apply, you will never have a chance of winning. Push through those feelings of frustration, ask for help if you need it and just submit your scholarship application. Trust me, you’ll be happy that you did.

Diane Melville is the author of The Community College Advantage and president of the community college planning website, Transfer Bootcamp. Diane has applied for more than 300 scholarships (using Scholarships.com, of course!) and paid for her entire college education using private scholarships. She hopes to use this blog to share everything she has learned about paying for college.

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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