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The FAFSA: New Year Means New Application

by Scholarships.com Staff

Though it’s a day off from school and work, New Year’s Day is also a day to get down to business. While you’re starting in on your New Year’s resolutions, opening up a new calendar, and packing up the holiday decorations, there’s one more thing that college students and college-bound high school students should do each January. The Department of Education starts accepting the Free Application for Federal Student Aid (more commonly known as "FAFSA") on January 1 each year. State application deadlines fall soon after—as early as February in some cases. So while you might not start classes until August or September, you want to start applying for financial aid as soon as the FAFSA is available each year.

In order to complete a FAFSA, you will need the following:

  • your social security number
  • a driver’s license if you have one
  • bank statements and records of investments (if you have any)
  • records of untaxed income (again, if you have any)
  • your most recent tax return and W2s (2011 for the 2012-2013 FAFSA)
  • all of the above for your parents if you are considered a dependent
  • a PIN to sign electronically (go to pin.ed.gov to get one)

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Scholarships.com’s Awkward Back-to-School Photo Contest

by Scholarships.com Staff

Ah, the first day of school. You meticulously selected your outfit, you styled your hair just right but when you smiled for the camera, all that awesomeness translated into...complete and total awkwardness. It may be tempting to dispose of the evidence but don’t burn those negatives or delete those jpegs just yet: Those images could earn you $1,000 or a Kindle for college through Scholarships.com’s Awkward Back-to-School Photo Contest!

To enter Scholarships.com’s Awkward Back-to-School Photo Contest, simply “like” Scholarships.com on Facebook and upload your amateur, school-related photo (first day, class, prom, graduation, etc.) to Scholarships.com’s Facebook wall, making sure to tag yourself and Scholarships.com in the image. Following the October 31st deadline, the Scholarships.com Team will post our top finalists and users will have one week to vote for their favorite photo via comments and likes. The person who submits the photo receiving the most votes will win $1,000 and the individuals who submit the second and third highest-scoring images will receive one Kindle each.

Starts: September 15th

Ends: October 31st

Number of Awards: 3

Amount: $1,000 for one first-prize winner; one second- and one third-prize winner will be awarded one Kindle each.

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

Step 2: Post your school-related to Scholarships.com’s Facebook wall, making sure to tag yourself and Scholarships.com in the image. These photos must be amateur (i.e., not professionally taken), can be current or from years past and must feature the person submitting the photo.

Step 3: The Scholarships.com Team will select the top images submitted and let our fans choose a winner via their comments and likes.

Step 4: You may enter as many times as you want but please limit your photos to one per day. Those who do not observe this step or who do not tag themselves and Scholarships.com in their photos will be disqualified. You must also adjust your Facebook 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.

For more information and official rules, please click here.


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by Scholarships.com Staff

Cancellations and cutbacks to scholarship programs have been making the news a lot lately.  Michigan recently ended its state Promise Scholarship in the face of a budget crisis (though the state's governor vows to restore funding) and other states and companies are also having to make some hard cuts.  The latest round has left five high-achieving Arizona high school juniors without the four-year full-tuition scholarship they signed a contract to receive in the fifth grade.

Budgetary cutbacks aren't the only way that students can lose scholarship money.  Many scholarship funds are only designated for a set amount of time: four years, two years, or just one check.  Other awards are contingent on strict eligibility criteria.  A dip in your GPA, a semester where you drop below full-time, or a transfer to another college or university could potentially make you ineligible for a renewable scholarship award.  All of this can change your college funding picture dramatically from year-to-year.

Transfer Students

Students who are transferring will want to see if their new college offers scholarships for transfer students.  If your scholarship is from your college, it's unlikely to transfer to your new school unless there's a preexisting special arrangement between the two institutions.  However, if you've won an outside scholarship, especially one from a state or national organization, you should contact the provider to see if the award will transfer to your new school. You also will want to do a scholarship search--many national scholarship awards are designated specifically for transfer students, especially students who are moving from community colleges to four-year schools.

Lost Eligibility

Students who have lost their scholarship from not meeting eligibility criteria will often have a chance to appeal the decision to revoke the award.  Ask the scholarship provider if there's an appeals process, and follow the instructions exactly in as timely a manner as possible.  If there are extenuating circumstances that led to the situation, you may need to document them.  Above all, be polite and respectful and try to create a good impression, even if your appeal is denied. Awards that run out can also occasionally be appealed for an extension, or applied for again for a possible second round of funding.  Check the rules for the contest or ask the scholarship provider if this is the case.  Even if you lose eligibility for one award, it doesn't mean you're ineligible for all scholarship opportunities.  Search for scholarships to see what else you may be able to find.

Canceled Programs

Finally, if your scholarship program has been canceled, there are still things you can do.  Some providers, like our Arizona example above, will help students find alternate funding, and may even be able to supplement some of the difference between what they promised and what you can't find on your own.  Some colleges are also making up for cuts in high-profile state and local scholarship programs by creating their own scholarship funds for the students affected.  Other schools have emergency aid or one-time scholarships available to students who find themselves suddenly without the means to pay their tuition.  Check with your financial aid office to see if your school can help.

Students who have already succeeded at winning scholarships are also likely to win more, since so many scholarship providers have similar criteria. If you find yourself caught without scholarship money you had planned to use, try to find some time to apply for additional awards.  You may even win more money than what you lost.


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by Scholarships.com Staff

If you're planning to enroll in a community college sometime in 2009, be sure to plan ahead.  While in the past, late registration may have resulted in students not getting a class or two they wanted, increased interest in two year schools may produce an even more pronounced effect.  Community colleges across the country are receiving more applications and admitting more students for the 2008-2009 academic year than ever before, with some institutions reporting percentage growths in the double digits.  Many schools are seeing enrollment increases so dramatic that they lack the money and space to adequately accommodate the students turning up on their doorsteps.

Community colleges and four-year state colleges are contending with state budget cuts, declining endowments, and less fruitful fundraising efforts in the face of the worst economic situation in decades.  Meanwhile, the cash-strapped and the frugal are flocking to the least expensive educational options available, which are community colleges.  Community colleges are also seeing an uptick in nontraditional students, as the unemployed return to school for job training and certification to get back to work.  All of this adds up to a situation where more students need seats in classes, college services, and student financial aid than ever before, yet fewer resources are available to accommodate these needs.

While schools are doing their best to find space, add courses and sections, and increase campus-based aid where possible, budgetary difficulties are an unfortunate reality.  The economic stimulus bill currently in the works in Congress may help relieve some of this stress, but students should still be aware of potential snags in their college plans.  If you plan to enroll in a community college this summer or fall, here are some steps to take:

  1. Research costs and payment options now.  Do a scholarship search.  Many scholarships are available to community college students and some are awarded specifically to students at these institutions.
  2. Apply for admission and financial aid as early as possible.  While most community colleges have rolling admission, students who wait until the last minute to get in may find classes full and aid exhausted.
  3. Whether you're a new or returning student, register for classes as soon as you can and be sure to pay your bill on time, or early if possible.  If you get dropped or prevented from registering due to late payment, there's no guarantee a seat will still be there when you get your finances in place.
  4. Complete the FAFSA soon, even if you're not sure if or when you'll start college in 2009. FAFSA applications are up this year, as are most varieties of financial aid applications.  This could mean a lengthier processing time, both at the Department of Education and in your college's financial aid office.  The FAFSA is worth doing--many community college students don't apply for aid, even though they qualify.  Applying is free and having one on file can't hurt, even if you don't go to school right away.
  5. If your employer helps with tuition, find out beforehand whether they pay up front or reimburse you after the fact.  The earlier you know whether you need to come up with money on your own or the more warning they have before they need to pay, the better your chances are of being able to register on time.


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by Scholarships.com Staff

Scholarships.com has become the first free scholarship search website to adopt the Scholarship Data Standard, a time-saving open data standard that allows college and college-bound students to apply for multiple scholarships by completing one form.

While many colleges and universities share a common application for admissions, currently students must apply separately for each scholarship offered by a different provider. This repetition can deter families from seeking out scholarships as an alternative to depleted college savings plans and expensive student loans. To make the scholarship application process more streamlined and accessible, the Scholarship Data Standard was developed by the Michael and Susan Dell Foundation and the National Scholarship Providers Association. Using the Scholarship Data Standard, a student can visit the Dell Scholars Program website, create an application file containing commonly requested information, save it to their computer and use it to quickly complete a later scholarship search on Scholarships.com.

The Scholarship Data Standard will allow students to find, review and apply for multiple scholarships with just a few clicks. Emily Hilleren, the Director of Content at Scholarships.com, stressed the convenience of the Scholarship Data Standard, saying, “When you have to fill in the same basic info again and again, it takes time away from doing the parts of the application that matter most. Students have lives and jobs and coursework, too, and we're hopeful the data standard will help them win scholarships without giving up all of that.”

Scholarships.com is currently the only scholarship search website to allow students to upload Scholarship Data Standard files. A student can visit Scholarships.com and use saved data to create a user account and search a database of 2.7 million scholarship and grant opportunities worth over $19 billion. As more scholarship providers adopt the Scholarship Data Standard, Scholarships.com users will be able to use their Scholarship Data Standard file to complete scholarship applications across the Web.


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by Scholarships.com Staff

As we mentioned last month, financial aid application deadlines are fast approaching for the coming fall.  While students technically have until June 30, 2010 to complete a FAFSA on the Web for the 2009-2010 school year, state aid deadlines happen much sooner with some occurring as early as February--this February.  So if you're waiting to do your taxes first or just generally procrastinating on your application, check the deadlines below to make sure you don't miss out on state or campus-based aid programs

     
  • Alabama:   Check with your financial aid administrator
  •  
  • Alaska:  April 15, 2009
  •  
  • American Samoa:  Check with your financial aid administrator (additional forms may be required)
  •  
  • Arizona:  March 1, 2009
  •  
  • Arkansas
       
    • For Academic Challenge - June 1, 2009
    •  
    • For Workforce Grant - check with your financial aid administrator
    •  
    • For Higher Education Opportunity Grant - June 1, 2009 (fall term); November 1, 2009 (spring term)
    •  
     
  •  
  • California
       
    • For initial awards - March 2, 2009
    •  
    • For additional community college awards - September 2, 2009 - date postmarked (additional forms may be required)
    •  
     
  •  
  • Colorado: Check with your financial aid administrator
  •  
  • Connecticut: Priority deadline February 15, 2009 (additional forms may be required)
  •  
  • Delaware: April 15, 2009
  •  
  • District of Columbia: June 30, 2009 (additional forms may be required)
  •  
  • Federated States of Micronesia: Check with your financial aid administrator (additional forms may be required)
  •  
  • Florida: May 15, 2009 - date processed
  •  
  • Georgia: Check with your financial aid administrator
  •  
  • Guam: Check with your financial aid administrator (additional forms may be required)
  •  
  • Hawaii: Check with you financial aid administrator (additional forms may be required)
  •  
  • Idaho:  Opportunity Grant - Priority deadline March 1, 2009 (additional forms may be required)
  •  
  • Illinois
       
    • First-time applicants - September 30, 2009
    •  
    • Continuing applicants - Priority deadline August 15, 2009
    •  
     
  •  
  • Indiana: March 10, 2009
  •  
  • Iowa: July 1, 2009
  •  
  • Kansas: Priority deadline April 1, 2009 (additional forms may be required)
  •  
  • Kentucky: Priority deadline March 15, 2009
  •  
  • Louisiana: July 1, 2009
  •  
  • Maine: May 1, 2009
  •  
  • Marshall Islands: Check with your financial aid administrator (additional forms may be required)
  •  
  • Maryland: March 1, 2009
  •  
  • Massachusetts: Priority deadline May 1, 2009
  •  
  • Michigan: March 1, 2009
  •  
  • Minnesota: 30 days after term starts
  •  
  • Mississippi
       
    • MTAG and MESG Grants - September 15, 2009
    •  
    • HELP Scholarship - March 31, 2009
    •  
     
  •  
  • Missouri: April 1, 2009
  •  
  • Montana: Priority deadline March 1, 2009
  •  
  • Nebraska: Check with your financial aid administrator (additional forms may be required)
  •  
  • Nevada: Check with your financial aid administrator (additional forms may be required)
  •  
  • New Hampshire: May 1, 2009
  •  
  • New Jersey
       
    • June 1, 2009 if you received a Tuition Aid Grant in 2008-2009
    •  
    • All other applications - October 1, 2009, for fall and spring terms;
    •  
    • March 1, 2010, for spring term only
    •  
     
  •  
  • New Mexico: Check with your financial aid administrator (additional forms may be required)
  •  
  • New York: May 1, 2010 (additional forms may be required)
  •  
  • North Carolina: Check with your financial aid administrator
  •  
  • North Dakota: March 15, 2009
  •  
  • Northern Mariana Islands: Check with your financial aid administrator (additional forms may be required)
  •  
  • Ohio: October 1, 2009
  •  
  • Oklahoma: Priority deadline April 15, 2009 for best consideration
  •  
  • Oregon: Check with your financial aid administrator
  •  
  • Palau: Check with your financial aid administrator (additional forms may be required)
  •  
  • Pennsylvania
       
    • All 2008-2009 State Grant recipients and all non-2008-2009 State Grant recipients in degree programs - May 1, 2009
    •  
    • All other applicants - August 1, 2009 (additional forms may be required)
    •  
     
  •  
  • Puerto Rico: Check with your financial aid administrator
  •  
  • Rhode Island: Priority deadline March 1, 2009
  •  
  • South Carolina: Tuition Grants - June 30, 2009
  •  
  • South Dakota: Check with your financial aid administrator (additional forms may be required)
  •  
  • Tennessee
       
    • For State Grant - Priority deadline March 1, 2009
    •  
    • For State Lottery - September 1, 2009
    •  
     
  •  
  • Texas: Check with your financial aid administrator (additional forms may be required)
  •  
  • U.S. Virgin Islands: Check with your financial aid administrator (additional forms may be required)
  •  
  • Utah: Check with your financial aid administrator
  •  
  • Vermont: Check with your financial aid administrator (additional forms may be required)
  •  
  • Virginia: Check with your financial aid administrator (additional forms may be required)
  •  
  • Washington: Check with your financial aid administrator
  •  
  • West Virginia: Priority deadline March 1, 2009 (additional forms may be required)
  •  
  • Wisconsin: Check with your financial aid administrator
  •  
  • Wyoming: Check with your financial aid administrator (additional forms may be required)
  •  
 Additional information about federal and state financial aid application deadlines can be found on the official FAFSA website.  Deadlines for individual campuses may occur earlier than the deadline for your state.  Check with your college's financial aid office to find out deadlines for campus financial aid.


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by Scholarships.com Staff

While fall classes may still seem far off for many students, incoming college freshmen and transfer students are already attending summer orientation and registration sessions. Choosing classes leads directly to one of college's biggest sticker shocks: the price of textbooks for those introductory classes. With individual texts regularly carrying triple-digit price tags, a semester's worth of textbooks you may never touch again can seem an unreasonable expense.

Increasingly, students skilled in money management are finding an array of options to make acquiring textbooks less painful. Used bookstores abound just off campus at many colleges, giving the campus bookstore some competition and mitigating prices at least to some extent. Particularly on-the-ball students race to the university library or avail themselves of inter-library loan options to check out required reading for free. Other college campuses have begun renting popular textbooks for prices significantly lower than the cost of buying them new.

For other students, though, the Internet is the place to find discounted books for class. A number of popular retailers offer used textbooks, though students may run the risk of getting an outdated edition or an instructor's edition of any text they buy sight unseen. Students who buy books online also face the same problem as students who buy from the campus bookstore: after the semester's ended, you may well wind up stuck with an edition of a book you didn't really want to own in the first place.

A few companies are now offering services that combine the convenience of online textbook shopping and textbook rentals. The New York Times recently profiled Chegg.com, a website that allows students to rent textbooks online, similar to online video rental services. While paying $50 or more (plus shipping) for a book you don't even get to keep if you want it can be hard to swallow, online rentals do have advantages: Rental prices can be significantly cheaper than the price of purchasing a textbook, online rentals offer more selection and students don't have to worry about whether they'll be able to find a buyer for their unwanted books at the end of the semester.

Whether or not you choose to rent your books for class, it's nice to know that there are ways textbooks are becoming more affordable. Cheaper books mean your financial aid and college savings can be stretched further...and that's always a good thing.


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by Scholarships.com Staff

When choosing a college, a number of factors come into play, but for students applying for admission in the middle of a recession, expected salaries undoubtedly play a major role. The website Payscale.com recently published a list of both starting and mid-career salaries, as reported by users of the site, broken down by both college and major. The New York Times Economix blog provides a useful breakdown of this information, which may come in handy for students beginning the college search process.

In general, graduates of top colleges earned more than graduates of less competitive schools, especially at the mid-career point. Starting salaries were also high for graduates from schools that focus on training students for highly technical lines of work. Students majoring in engineering, economics, physics and computer science had the highest salaries, while social work, elementary education and theology were the lowest-paying majors. Music also falls near the bottom...not surprising since few musicians will have as lucrative of careers as, say, Michael Jackson, and "American Idol" often seems to be as viable a route to success as earning a music degree.

There were some surprises, though. For example, philosophy majors actually outranked information technology majors for mid-career salaries, and engineering schools ousted many Ivy League universities for top starting salaries. Additionally, the spread between the top salaries and bottom salaries at many universities was wide; for example, the top quarter of graduates from the lowest-paying school still earned more than the bottom 10 percent of those from the school with the highest median mid-career salary.

While the Payscale report relies on self-reported information from users of the site, rather than a scientific study with random data samples, it still could be useful in choosing a college or choosing a major, especially when paired with other information about the highest paying majors and the value of a college degree. In the end, your choice of major, your choice of college, and your personal drive and abilities will all affect your starting salary and lifetime earning potential. While choosing schools and majors that produce the highest salaries is tempting, playing to your stengths is still likely to pay off the most in the end, and may also give you a better college experience regardless of where you end up.


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by Scholarships.com Staff

Princeton Review released its annual college rankings yesterday, based on a survey of 122,000 students at colleges nationwide. The purpose of the list is to help students choose colleges based on what current undergraduate students at each school say, and rankings include such categories as best and worst dorm food, most politically engaged students, and most GLBT-friendly schools.

The most publicized of these rankings is the list of top party schools, with Pennsylvania State University unseating the University of Florida as number one this year. The party schools ranking is often seen as closely related to a combination of other rankings, which involve the availability of alcohol, the amount of time students spend studying and the presence of Greek life on campus. Many students at schools that top the party school list take pride in this designation, while university officials often see it as a cause for concern.

Other rankings may be more useful to many students and parents, especially the list of schools whose students are most satisfied with their financial aid packages. Swarthmore College, Stanford University, and Harvard University comprise the top three spots in the "Great Financial Aid" ranking, with a total of 13 colleges receiving an additional distinction from Princeton Review for receiving the highest possible rating for financial aid in their survey.

However, the self-reported nature of the information and relatively small number of students answering the surveys may not paint a wholly accurate picture of campus life, so incorporating other resources into your college search is important. This and other tools can help you find colleges to investigate further, but don't rule out a school entirely just because it is or is not on one of these lists.


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by Scholarships.com Staff

As our annual Resolve to Evolve scholarship essay contest draws to a close and we move closer to the time of year when a number of other scholarship competitions begin accepting applications, we thought it would be a good time to review an often overlooked aspect of applying for scholarships: the actual act of submitting your scholarship application.

By applying for a scholarship, you are making contact with someone who could potentially award you money, so you want to make sure that your application makes a good first impression before the reviewer even gets to the content.  At the very least, you certainly do not want your application to wind up in the discard pile due to a failure to follow the contest's official rules. While official rules for scholarship opportunities can often come across as dense and full of legal language, you should still take time to review them and ensure your application complies before you spend the time, money, and effort involved in creating and submitting a scholarship application.

A good idea is to make a note for yourself of the requirements for each scholarship for which you intend to apply. Print off sheets or make a spreadsheet on your computer. Get organized. We suggest including the following items in your list of rules to note:

Eligibility Requirements: This may seem like a no-brainer, but before you apply for a scholarship, make sure you're actually eligible to win. Pay attention to details like age, grade level, and enrollment status, since your answer for these could be different from what you think, depending on the scholarship provider's cutoff dates. For example, a scholarship could ask for "currently enrolled" students as of summer 2009, but if your first class starts during the fall term, you may not be eligible to apply. If you are not sure whether you are eligible based on the official rules, it doesn't hurt to contact the provider and ask.

Length and Format of Submission: Once you've made sure that you are eligible to apply, make sure what you plan to submit is eligible to win. Your 20-page scholarship essay may provide a brilliant analysis of the subject matter, but if the upper limit for the contest is 800 words, you are not going to win a scholarship with it. Your scholarship application also can't win if you forget to provide appropriate contact info or include required items, so make a list of what you need and check off each item as it goes into your application packet. Similarly, you'll want to pay attention to any rules about file format, typeface, and other details that may disqualify you, or at least generate the impression that you didn't carefully read the rules.

Submission Method: Does this scholarship contest ask for applications to be submitted via e-mail, via a form on their website, or via postal mail? Do they request that you use a specific mail carrier, or avoid using others (some scholarship providers will include stipulations such as sending your application only through the United States Postal Service)? Do they want you to label your submission in a particular way or address it to a particular person or office? All of these questions are important not only to make sure your application gets to where it needs to go, but also to demonstrate your interest in the award and your ability to follow instructions.

Deadline: If your essay is to be submitted online, make note of the exact time of day at which the contest ends. Is there a time zone indicated in the official rules? You don't want to find yourself searching for a scholarship submission form on a website at 11:50 PM PST when the contest closed at 11:59 PM EST. If your esay needs to be submitted through the mail, check whether the application deadline is a postmarked by date or a received by date.  For example, our Resolve to Evolve Essay Contest requires that applications be postmarked by July 31, so students who are sending them overnight on July 30 are unnecessarily paying more for postage. Meanwhile, students who attempt to submit an application for a scholarship with a received by date of July 31 would not want to simply stick a stamp on it today and hope it's still accepted.

In the end, your application will still be judged primarily on its merit, provided it meets basic requirements.  However, closely following rules for each contest and showing that you have a legitimate interest in the scholarship as more than just a potential source of easy cash will improve your chances of winning scholarships.


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