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College: The Ultimate Life Lesson

Jun 16, 2011

by Radha Jhatakia

There are many things I wish I knew before I started college...or even a year or two in! Tips about what professors are difficult, what dining halls serve the best food and where to find the dorms with the most square footage are quite often available but the biggest tip – which you won’t realize until you’re done with school – is that college itself teaches you how to get by in life.

The process begins before college with the prep work you do. You take six classes a semester in high school when during college you take three to five classes depending on the semester or quarter system. You take the SAT or ACT, which test your ability to take a test itself, not your intellectual abilities. You participate in every extracurricular possible to make your transcripts appealing, only to realize that those activities won’t really matter on campus. All of these tasks are tests: In college, you’ll spread yourself thin between a job, challenging classes, clubs and your social life but thanks to your prep work, you’ll know how to balance it all.

Once you’re on campus, college prepares you for the obstacles and struggles that await everyone after graduation. You’ll take engineering courses, biology labs and communications lectures and complete projects and papers to gauge how well you can apply the material you’ve learned and tight deadlines to help you to think on your feet. Whether you’re finding a way to pay off student loans or trying to secure a job in your field, those seemingly small assignments you completed in college will have prepared you to deal with the real world.

You’ll gain a lot from your college experience – friends, memories, knowledge – but most importantly is your degree, a testimony that you will be able to make it in life beyond those hallowed halls.

Radha Jhatakia is a communications major who will be transferring to San Jose State University this fall. She’s had some ups and downs in school and many obstacles to face; these challenges – plus support from family, friends and cat – have only made Radha stronger and have given her the experience to help others with the same issues. In her spare time, she enjoys writing, reading, cooking, sewing and designing. A social butterfly, Radha hopes to work in public relations and marketing upon graduation.

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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Easy Ways to Afford Your Dream School

Jun 15, 2011

by Brittni Fitzgerald

Whether it is gas, food or tuition, prices are rising on everything. Everyone wants to attend their dream college without having to end up in debt at the end. College tuition will, depending on your university, have a small increase in price every academic year but if you plan ahead and follow these helpful tips, you can ease that financial burden.

First, open a savings account at your local bank to learn how to manage your money. Banks such as Fifth Third offer students goal setter savings accounts, which allow students to put money into the bank to gain interest as well as receive a 10-percent bonus when they reach their goal. A goal can be $500 and up and you cannot make withdrawal until the goal is met. This feature allows the money to grow without allowing you to give in to temptation and drain the account.

Another way to save is by adjusting your meal plan each semester. Most colleges and universities require that all freshmen have a meal plan each semester and upperclassmen usually have some sort of meal plan whether they live on campus or off. Meal plans are packaged with room and board and can become very expensive. Instead of choosing the meal plan with the most meals per day, choose a meal plan that works for your appetite.

Finally, consider applying to be a resident assistant, or RA, in the university dorms. RAs have to take on a lot of responsibilities like mentoring students and enforcing residence hall policies in addition to a full class schedule but the tradeoff is well worth it: Room and board is free.

Though she moved from Fremont, Calif., to Chicago at the age of 5, Brittni Fitzgerald will always remember the sun and fun of California life. She is the youngest of six children and is currently attending Chicago State University. There, Brittni is an accounting major and an active member of the Student Government Association but also a published poet (in 8th grade, her work was published with the Illinois’s 2004 “Celebrate! Young Poets Speak Out”). Brittni enjoys running, swimming, dancing, singing and shopping. Her motto is “Live Life Loud.”

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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Students Say "I Do" for Lower Tuition

Would You Marry to Keep College Costs Down?

Jun 7, 2011

by Alexis Mattera

In February, we read a New York Times article about students getting married to save on tuition and asked our Facebook friends and Twitter followers if they, too, would get hitched if it meant they’d pay less for school. The responses? Mixed, but the topic is still hot four months later.

State aid is down, tuition is up and students are stuck in a tough position these days. While some are continuing down the traditional paths of obtaining funding for college (filling out the FAFSA, applying for scholarships and grants, taking out loans, etc.), others are taking a different route – or should we say aisle – with a friend or another student in a similar monetary situation. Why? If a student is single and under the age of 22, their financial aid is determined by their parents’ income but if the student is married, aid is determined by the joint income of the student and their spouse – an enticing loophole for cash-strapped undergraduate and graduate students. Unlike marrying to obtain citizenship, marrying for financial aid or in-state residency benefits is legal according to WalletPop; there are even matchmaking services that help students find likeminded individuals to marry for tuition relief and divorce after graduation!

What are your thoughts on these “on-paper” marriages? Would you say “I do” if you could save thousands on tuition and fees or do you feel this practice – while legal – is too unethical to consider?

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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Not Enough Financial Aid? You Still Have Options!

May 25, 2011

by Radha Jhatakia

There are many factors that affect where, when and if students attend college, the most important being financial aid. So what can a student do when he or she hasn’t received enough funding?

If you need financial aid to make college a reality, contact the financial aid offices at the schools you’re considering before applying. Find out the costs of tuition, room and board, and other college living expenses and defray these costs by applying for as many scholarships and grants as you can. The college will be more likely to help fill any financial gaps if you’ve shown initiative and determination.

Another method is writing formal letters to financial aid administrators. Describe your financial aid situation (including hard numbers), your home life, factors affecting your ability to pay for college and things that you could not put on the FAFSA such as a home mortgage or other payments that your parents need to make. Fax this letter, mail it by certified mail and email a copy to each school as well. If the school cannot offer you free money, they can sometimes offer an additional loan of some sort.

If all else fails, call the colleges and schedule appointments with the deans or heads of the financial aid offices. Some colleges have tuition waivers which allow students with special conditions to be exempt from paying tuition. If the school does not offer this option, you can still seek out non-school loans through banks or private companies. These loans often have higher interest rates, require co-signers or do not have grace period to pay off loans after graduating; in my opinion, however, the cost of not getting a college education is much higher than amount of these loans.

Radha Jhatakia is a communications major who will be transferring to San Jose State University this fall. She’s had some ups and downs in school and many obstacles to face; these challenges – plus support from family, friends and cat – have only made Radha stronger and have given her the experience to help others with the same issues. In her spare time, she enjoys writing, reading, cooking, sewing and designing. A social butterfly, Radha hopes to work in public relations and marketing upon graduation.

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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Seven Tips for Repaying Your Student Loans

May 19, 2011

by Suada Kolovic

If you’re a recent college graduate, chances are you’ll have to start paying off your student loans sooner than you think. And even with the economy in a slump, don’t expect a free pass on not paying your loans. Are you starting to panic? Well, don’t! There’s a ton of advice out there to help students stay on track and courtesy of the U.S. News and World Report, here are seven tips for repaying your student loans.

  • Repay you student loans automatically. Make things easier on yourself by setting up automatic withdrawals from your bank account. This reduces the chance of late or missing payments.
  • Aim for 10 years. The traditional repayment period for student loans is 10 years and ideally you'll be able to pay off all your debt within that time period. If you end up struggling with your monthly payments, however, you could stretch out your loans to 20 or even 30 years. Your monthly payments will become more manageable but you will end up paying a lot more in interest.
  • Stay organized. Having multiple student loans can be a challenge to keep track of but with the government's National Student Loan Data System, you’ll be able to track all your federal student loans in one place.
  • Pay off the loans with the highest interest rates first. A high interest rate costs you every month and compounds that amount you owe every month you aren’t paying off the entire balance.
  • Consider IBR. The IBR is a federal Income-Based Repayment program that allows a borrower to repay his or her federal loans based on what is affordable and not what is owed.
  • Keep abreast of student loan developments. Staying informed is just as important as making your payments. Familiarize yourself with websites that are devoted to college debt issues like Project on Student Debt and the National Consumer Law Center's Student Loan Borrower Assistance Project.
  • Contact the Federal Student Aid Ombudsman. Sometimes your relationship with a lender can go belly-up. If you end up in a dispute, the Federal Student Aid Ombudsman may be able to help resolve the issue.

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

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Scholarships – Are They Really Worth My Time? YES!

May 17, 2011

by Jessica Seals

A typical soon-to-be college student’s priority list probably looks a little something like this:

But wait!!! With all of the excitement of starting college, students can forget to get their finances together to pay for it all! Many students don’t realize that they can eliminate student loan headaches simply by starting the scholarship application process early. By doing so, students have more time to get their application materials together and apply for more scholarships because they are not rushing to submit everything on deadline day.

From my own personal experience, I found it advantageous to apply for scholarships early. I joined websites like Scholarships.com so that I could keep track of deadlines and scholarships that I qualified for. I sent it all of my materials early and when I started receiving letters that began with “Congratulations!” it made the time that I spent applying for scholarships worthwhile.

Another bit of advice that I found helpful was applying for scholarships even if the amount seems small. During my freshman year of college, I applied for the new member scholarship for the Alpha Lambda Delta Honor Society despite the fact that the award amount was $300. Nothing could make my smile turn into a frown that day because winning the scholarship meant that I wouldn’t have to pay out of pocket for books in the upcoming semester.

My final advice: Apply for as many scholarships as possible because you might just be what the scholarship committee is looking for. Even the smallest award can help pay for something!

Jessica Seals is currently a senior at the University of Memphis majoring in political science and minoring in English. At the University of Memphis, she is the secretary of the Pre-Law Society, the philanthropy chair of the Phi Kappa Phi Student Council and a member of Professional Assertive United Sisters of Excellence (PAUSE), Golden Key Honor Society, Alpha Lambda Delta Honor Society, Sigma Alpha Lambda Honor Society, and Black Scholars Unlimited. She also volunteers to tutor her fellow classmates and hopes to attend law school in the near future.

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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Sallie Mae to Cut Student Loan Interest Rates

May 17, 2011

by Suada Kolovic

Here at Scholarships.com, we love the idea of students going to college debt-free but the reality is that student loans, for the most part, are a necessity in today’s educational world. And while private student loans should be a last resort when paying for college, it can help bridge the gap for families who have maxed out federal loan limits. The silver lining: Sallie Mae is lowering its interest rates on student loans.

The new cap on Sallie Mae’s rate will be 9.875 percent plus LIBOR, which is the interest rate that banks charge each other for loans. The new lowest available rate will be LIBOR plus 2 percent, which reflects a half percent rate reduction. But remember, the exact interest rate Sallie Mae assigns to a specific loan will vary depending on the borrower’s credit score and repayment option. They’re also offering students the option to make $25 monthly payments while they’re in school to counter interest costs or defer payments until graduation. Another added bonus: For loans disbursed between July 1 and Oct. 1, Sallie Mae is offering free tuition insurance for a year.

All these perks aside, Sallie Mae can’t compete with federal loans that come with a fixed rate of 6.8 percent but a cut in student loan interest rates is still a win in my book.

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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All Media Are Not Created Equal

Tablet, Smartphone Interest Soars While E-books Fail to Gain Traction

May 13, 2011

by Alexis Mattera

With the popularity of wireless computing devices among college students, it would seem that e-textbooks would be just as attractive for this tech-savvy generation. Not so, according to a new survey: The printed textbook is still the big man on campus.

Student Monitor’s survey of 1,200 full-time students at four-year institutions revealed that although 54 percent of respondents owned smartphones, 87 percent owned laptops and nearly 50 percent reported interest in purchasing a wireless reading device, only 5 percent of respondents purchased access to an e-textbook this spring – and usually only because professors required them to. The proportion of students who rented at least one printed textbook, however, doubled to 24 percent from last spring. With campus bookstores and independent sites like Chegg.com making book rental easier and more available, the trend is only expected to grow: Thirty-six percent of underclassmen said they are either likely or very likely to rent at least one textbook next semester.

The main reason students are renting textbooks instead of buying the electronic versions? The savings, which were reported as about $127. With that kind of money back in the bank, students could splurge on their other "likes" the survey revealed...or maybe get a head start paying off some of those student loans. Which side are you on in the textbook debate – Team E-book or Team Rental – and why?

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

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Financial Aid Applications Increase for 2011-2012

National Need Mirrored in the Buckeye State

Apr 26, 2011

by Alexis Mattera

If you are attending college, you probably need some form of financial aid to pay for tuition, room and board, books and other living expenses. Next year, it’s likely you’ll need a little bit more.

The Columbus Dispatch recently reported the number of students in the U.S. who have filed forms for federal financial aid for the 2011-2012 academic year has increased by about 1 million from last year. At Ohio State alone, requests are up about 10,600 from two years ago - a 22-percent jump, says financial aid director Diane Stemper. Ohio University’s Sondra Williams reports a similar trend with a 12-percent increase in federal financial aid applications. The reasons for the increased need aren’t surprising. "Many people who used to have the resources to send their children to college have lost their jobs or been downsized," Stemper said, adding lower home and stock values and rising food and gas prices are also culprits.

Though more students are getting the aid they require – OSU has seen an increase in Pell Grant recipients enrolled and OU has more students receiving subsidized loans – the financial relief may be short-lived: Governor John Kasich’s state budget proposal has public universities in Ohio could increasing tuition by up to 3.5 percent. Current undergraduate and graduate students, do you need more financial aid now than you did when you first enrolled? High schoolers and incoming freshman, how do you plan to pay for school?

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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Alaska Governor Stresses Need for State-Funded Scholarship Dollars

Mar 29, 2011

by Alexis Mattera

Here at Scholarships.com, our goal is to make finding money for college as easy as possible. Paying the full cost of tuition out of pocket isn’t in the cards for most college-bound students and high-interest loans aren’t the most desirable options for others, meaning some students’ quests for postsecondary degrees must be funded solely by scholarships, grants and fellowships. Can it be done? Of course it can. You just need the right people on your side.

Alaska Governor Sean Parnell recently requested the funding of the incoming Alaska Performance Scholarship program, a nurse training proposal and a handful of other educational priorities from state lawmakers. While Parnell feels students have worked hard to earn state-funded performance-based scholarship dollars and would be "out to dry" without it, senators worry the program could leave rural students behind if aid is distributed unevenly across the state...not to mention create a potential legal problem given the state constitution’s promise of fair education services. Students seeking need-based grants do have the existing AlaskAdvantage program to turn to but it is significantly underfunded. It could, however, gain support through Senate Bill 43, which calls for AlaskAdvantage to receive $7 million of the proposed $21 million in state college scholarship funding on an annual basis.

Will it happen? Our Magic 8-Ball says "cannot predict now" but we hope it goes through for the sake of the many students in need. How are you currently paying for or planning to pay for school? What programs have you found most helpful in securing the funding you need?

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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College Costs (Literally) an Arm and a Leg

Parent Offers to Become Live Cadaver to Pay Off Children's Student Loans

Feb 28, 2011

by Alexis Mattera

There's been a lot of talk about Harvard lately – its reinstatement of early action, a graduate winning the Best Actress Oscar, another Winklevoss lawsuit against Facebook, etc. – but this next story doesn’t fall within the boundaries of its ivy-covered campus...and not that far away, either. An arm’s length, shall we say?

Desperate to pay off their children's $20,000 worth of student loans, a Boston-area parent recently posted on Craigslist that he or she was willing to sell their body parts to combat the mounting debt. The posting did not include a name, gender or exact location but listed the "live cadaver" was 5 feet 10 inches tall, 200 pounds and had all organs in working order. "If you eliminate my children's student loans, I will give you my life!" the poster wrote. "Take my blood, take my plasma. Drill into my brain, my leg, my arm. Tap my heart, my liver, my kidney," the poster wrote, adding, "I am very very serious."

There are a lot of options out there to limit exorbitant loans (scholarships, grants and fellowships, to name a few) and consolidation can simplify the loan repayment process by allowing the borrower to combine several types of federal student loans and repayment schedules into one...but selling off one’s body parts piece by piece? We’re all for finding interesting ways to pay for school but this is just plain crazy. Would you ever consider taking this route to keep loan collectors at bay?

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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