How to Apply for College Financial Aid Scholarships

If you want to go to college but don’t know how you are going to pay for it, you should definitely apply for financial assistance. There are lots of college financial aid scholarships, loans and grants to help you handle the high costs of a university education. You should begin the financial aid process as far ahead as you possibly can. If you are preparing to attend college one of your first stops should be the financial aid office of the university.

The counselor there can advise you on all the different types of assistance you can apply for. One type of assistance is of course the scholarship. Scholarships are awarded to deserving students who show financial need and/or those who have earned the scholarship. There are scholarships awarded for good grades, extracurricular activities, community service works, essay packages and more. You can apply for as many scholarships as you want or need to. The important thing is to adhere to all application instructions and get your application turned in before the deadline.

You may also want to apply for government funded student loans such as the Stafford loan. These types of loans are provided by the U.S. Department of Education and are based on your income and the cost of your education. Another possibility is the grant. A grant is money you can get from the government and/or private and public providers that you do not have to pay back. It is similar to a scholarship in this way. If you are unfamiliar with the grant application process you may want to check out some books on the subject or speak to a university advisor.

It is important to understand that anyone seeking college financial aid scholarships can find them easily if they know where to look. In addition to the financial aid office at the university you are planning to attend, you might also want to check the Internet. You can find lots of information about many different scholarships, grant programs, student loan programs and other types of financial assistance for students by doing online research. Once you’ve found the information, it is your job to properly complete the applications and do the best job possible on any required essays.

Money for College – where is it and how do I get it?

College is expensive – but money is available to help you pay the way! By doing a little research and filling out a few forms, you can find money through scholarships, grants, loans, and tuition assistance such as work study.


There are more than one million scholarships available each year to reward students who have distinguished themselves academically, athletically, musically, or in some other way. Scholarships pay for some or all of a student’s college costs through cash or tuition reimbursements.

The primary government counterpart for scholarships is the Reserve Officers’ Training Corp (ROTC) program. Through ROTC, military branches offer full scholarships to students who agree to serve in the military for a certain number of years after graduation. Religious groups, professional associations, and civic organizations are other sources of scholarships.


Grants are financial aid awards that do not need to be repaid. There are Federal, state, and private grants available.

Federal: There are two main types of Federal grants:
-The Pell Grant is the largest federal grant program. It provides up to $3000 per year based on financial need
-The Federal Supplemental Educational Opportunity Grant provides from $100-$4,000 per year, depending on when you apply, your level of need, the funding level of the school you’re attending, and the policies of the Financial Aid Office where you attend school

Special grant programs through the National Health Services Corps and the Armed Forces are available for students entering the health and medical field. Another great example of this is the HESC TAP grant.


All states provide some type of grant, scholarship, or tuition assistance programs.

Your state’s higher education agency can give you information about state grants, including the State Student Incentive Grant (SSIG) Program. This program is funded jointly by individual states and the U.S. Department of Education.

Private: Many private grants are available. Your university may offer institutional grants from its own resources.


Once you have exhausted all the scholarships and grants available to you, it is time to look at loans. Federal loans are the largest source of financial aid available. Check the information below for information about the major types of Federal loans:

A Perkins Loan is need-based and you must be at least half-time student. The interest rate is fixed at 5 percent and you can borrow up to $3,000

A Subsidized Stafford Loan is need-based and you must be at least half-time student. The interest rate is variable with 8.25% cap. You can borrow up to $2,625 year 1, up to $3,500 year 2, and $5,500 for years 3-5

An Unsubsidized Stafford Loan is available for any student who is at least a half-time student. The interest rate is variable with 8.25% cap. You can borrow up to $2,625 year 1, up to $3,500 year 2, and $5,500 for years 3-5

A Parent PLUS Loan is for the parent of a dependent attending at least half-time. The interest rate is variable with 9% cap and it can cover the cost of attendance less total financial aid offered. It is available year round and can even pay for back expenses.

If you don’t qualify for Federal loans, private loans are also available through banks and credit unions.

Work Study

The Federal Work-Study Program provides jobs for undergraduate and graduate students with financial need, allowing them to earn money to help pay education expenses.

So how do I get all this financial aid?

Your first step in applying for any government money, whether federal or state, is to complete the Free Application for Federal Student Aid (FAFSA).Other ways to find out about financial aid sources include:

-Check with state agencies in both your home state and the state in which you will attend college to find out about grant opportunities
-Check with your college Financial Aid Office about institutional grants and scholarships
-Check with your high school career counselor about grants and scholarships you may be eligible for
-Search the internet for student loans, scholarships, and other financial aid opportunities
-Check with the your parents’ employers to see if they offer any scholarships
-Check with the advisors of any clubs you belong to, about scholarships that might be available

As you can see there are many ways to get money for school. Make sure you cover all bases and try to get the free money first, and use student loans if the need arises, and you will end up paying for school in the most efficient manner possible.

The Internet & Education: One Mom’s Perspective

On many a Friday night my daughter and I can be found in front of the computer playing an online game based upon “Who Wants to Be a Millionaire”. The differences are that all the questions are related to science, we can’t actually win a million dollars, it’s absolutely free, and we are the players. It isn’t unusual for us to spend a couple of hours playing this game. I am always amazed by how much she knows as her age as well as how much I seem to have forgotten at mine.

Many years ago while developing and teaching Air Force training courses for U.S. Space Command, I became fascinated with the use of computers in learning. Also while working in the training area, I became a fan of the basic premises of Thorndike’s Laws of Learning. Although some would characterize them as almost forgotten and even sometimes discredited, I have found the laws to be helpful in flagging what works and what does not in educating my child as well as adults and youth in other programs I have managed. I have realized much success incorporating the essence of those laws of learning and computer technology as I have dealt with my child’s learning. Thorndike’s laws are pretty simple:

The Law of Readiness deals with ensuring a child is ready to learn–making sure the student is fed, free from too much worry, comfortable, and well aware of the importance of what is to be learned. In other words the student must be prepared to learn. One exercise I have done with my child dealing with this law is researching the admissions criteria for different schools. We found sites like, a site providing loads of information and virtual tours of different college campuses, to be a handy reference for this exercise. We have even gone as far as to look at scholarship requirements using scholarship databases such as and

We have also compared the costs of different institutions. We have been doing this since the sixth grade. By understanding the requirements now, hopefully, we won’t be running around in her junior and senior years trying to get things in order. It is awfully difficult to bring up that grade point average in a couple of semesters, especially if the young person is stressed by time constraints. Getting my child prepared now is my way of ensuring we are prepared when the time comes. A worksheet for this exercise can be downloaded from my website

The Law of Exercise relates to making sure that practice is part of the study routine—especially when dealing with essential facts and rules. The Internet and various software can be very useful in providing repetition in a not-so-routine manner. Games such as Basket Math at where your child actually makes a hoop each time he or she gets the correct answer can make rote learning of multiplication tables a tad more interesting than just repeating the multiplication tables over and over.

I remember clearly when I began to dislike math—a subject I had loved until, I believe, I ran into the wrong teacher. I remember my worst days in school. I remember my best days. I remember the teachers who were creative and inspiring and know that the best skills I possess today are in the areas they taught. That is the Law of Effect at work. I look very hard for sites that are good learning websites and share them with my daughter. I don’t want her to be turned off by sites that are really advertising monsters, just enticing you to a point of enjoyment and then launching an advertising scheme where you must make a purchase before you can go any further. Certainly I understand that many websites survive through their ability to sell products, however I believe this can be accomplished without bait and purchase gimmicks.

Goodness, have you ever tried to unlearn something you learned how to do wrong? This is the Law of Primacy, which states that what is learned first is learned best. You really have to make sure that the resources that your child uses are good resources. Every textbook is not a good textbook; every website is not a good website; and every teacher is not a good teacher. And assuming that these tools are good simply because they exist or because the school system uses them can cause your child a world of harm. A parent really has to do more than have these tools available. If you tryout a piece of software or an Internet resource and you cannot follow the instructions, then there is a very good chance your child may not be able to effectively use the resource either. And the same rule applies with other resources as well. Some sites such as and gave really simple step-by-step instructions to concepts my child was learning in school, yet I had long forgotten. I was able to refresh my memory and to get her on track using these resources.

The Law of Intensity deals with the vividness of the learning experience. If I take my child to the zoo to learn about animals, he or she will learn more than if I just explain the animals. One of my favorite sites for young kids is My younger nieces and nephews are fascinated with the animals they are familiar with, but just spillover with excitement as they manipulate the animals to make new ones. I think that my daughter and I are really supposed to be a little old for the activity, but in all truthfulness we have a great time with it too. There are so many places out there that I neither have the time nor the money to take my child. The Internet has been especially useful in getting my child to those places. At our fingertips we have the Virtual Smithsonian Institute and the National Gallery of Art in Washington DC. At we have in living color enjoyed films and photos of Madagascar, Tibet, the Amazon and several other far away places.

Through the gateway of, we have viewed museums all over the world including my personal favorite the web only exhibits of our National Museum of Air and Space in Washington DC. And let’s not forget the brick and mortar library. Before computers the library is how my parents took me to far away places. It still works and every library that we have visited recently also has wonderful computer resources as well. So, if you don’t have a computer at home, that is certainly no excuse for not spending some time with your child using this wonderful technology. And I still buy books for presents—wonderful, exciting, colorful books.

Staying with the Law of Intensity for a few more moments, think about the many schools in this country that remain segregated. While the war rages on in this country regarding the legalities of segregation in our school systems, many children attend schools each and every day where they have little exposure beyond television to peers from different cultures and backgrounds. Their teachers who are certainly figures of authority are their most vivid, and perhaps their only, link to other cultures. Websites such as the Academy of Achievement featuring diverse faces from different walks of life and Get Smarter providing children with the opportunity to interact with young people of different cultures are additional learning resources. While certainly not substitutes for eye-to-eye interaction, these types of websites provide additional opportunities for young people to interact with peers from other cultures and backgrounds.

Knowledge learned most recently is remembered best is the essence of Thorndike’s Law of Recency. And that is why those reviews right before the test are so very important. We have also found the hundreds of little quizzes on the Internet to be helpful in this area, for instance the quizzes on U.S. States and rivers and more, the Purdue University Online Writing Lab (OWL) writing exercises, and the Who Wants to Win $1,000,000 ?—The Science Game.

Thorndike’s laws are by no means the last word in the education of children, and because of that I spend a lot of time at sites such as the The Education Place and Education World– The Educator’s Best Friend. These sites and the many others like them, including my own website featuring the websites I have used in educating my child, keep us updated on the newest and the best resources in education and help us in making decisions regarding our children’s education.

We have heard it time and time again—whether we believe it or not. There is just not enough time in the school day for your child to learn all the things he or she needs to learn. I have found it to be equally the case that there is also little time after school for me to dedicate to my child’s learning. It seems after career, housework and the business of running a household, the time I want to spend with my child is not teaching time but chill out time.

But be that as it may, I have tried hard to make time for teaching as well. And the resources on the Internet have definitely helped. While I’m doing some of those household duties, I can park my child right in front of that computer at a website that I have reviewed. And then we can get together afterward and talk about the site as well as the rest of our day. These sites have also helped with the budget because free resources are definitely cheaper than a lot of the software out there—although I have definitely invested in that for Christmas and birthdays.

If you think that I have developed a computer geek, you are wholly wrong—although I don’t think this would necessarily be a bad thing. This a child who in addition to the Honor Roll, is a member of the school basketball team, several clubs and organizations, a team leader for the Odyssey of the Mind competition, the first runner-up for her school pageant and a social butterfly.

I truly believe that the resources of the Internet have helped my daughter to tap into all of her talents and have the potential to help other children to do the same.

Weird scholarships

There are quite literally millions of dollars that are allocated every year for various grants and scholarships. Some of the more popular scholarships include academic college or university scholarships, college sports or athletic scholarships, philanthropic scholarships and community based scholarships. However, not everybody fits into the more mainstream scholarships that are on offer. Thankfully, these days there are some weird scholarships on offer, for people who are not looking for the same old, more traditional scholarships. With everything from culinary scholarships to zany dress up contests, there is something for everybody.

Let’s take some time to look at some of the more weird scholarships that you could apply for if you were so inclined:

•  If you like basketball but you are not the tallest option in your local team, then don’t worry there is a scholarship for you. Men 6’2″ or taller and women 5’10” or taller can apply for the Tall Clubs International Scholarship. All you need to do is write an essay on “What Being Tall Means to Me,” and you can be in the running to vie for a $1,000 scholarship.

•  If didn’t win the “Best Dressed” award at your recent school dance then have no fear. The Duck Brand Duct Tape Stuck on Prom Contest allows you to compete for $2,500 for yourself and $2,500 for your school. All you need to do is attend your prom wearing complete attire or accessories made from duct tape!

•  If you are one of those unique left handed people in America then you will be eligible for the Juniata College (Huntingdon, PA) $1,000 scholarships. They offer two of these scholarships for left handed citizens per year. Call them on 814-641-3142 for more information.

•  If you fancy yourself as a bit of a savvy duck caller then the Chick and Sophie Major Memorial Duck Calling Contest awards are for you. This contest offers a $1,500 scholarship to the winner, with first runner-up getting $500, second runner-up getting $300, and third runner-up getting $200. You can call 870-673-1602 for more information.

Potential chefs or cooks are encouraged to apply for the Culinary Institute of America’s (Hyde Park, NY) All-American Apple Pie Recipe Contest. The winner receives a very worthwhile $25,000 scholarship to the school. Second and third prizes are $15,000 and $10,000 scholarships. You can call 800-CULINARY for details or an information package.