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Playing and Winning the Scholarship Game

by: Dan Rosenfield

OK, you don't have a 4.0 GPA, you're not the senior class president, you can't throw a football fifty yards, and your SAT scores aren't generating letters or phone calls from Harvard, Yale or Princeton. So, you'll never qualify for a college scholarship, right?

Not necessarily. There are lots of scholarships, and other kinds of financial aid for which you might qualify. Some colleges may offer you academic grants with a GPA of 3.0 and SAT scores of 1000. Ashland University offers scholarships to twins. Many church affiliated colleges offer grants to students who are members of their religious denomination. And that's just the beginning.

If you are the son or daughter of a military veteran, if either of your parents work for a major corporation, if your mother or father is a member of a fraternal or civic organization, or if you are preparing for a career in a particular profession, there may be substantial scholarships for which you can apply, even if you're not a top student or student leader.

Are you good at writing essays? If you are, your writing skills may be the ticket to a scholarship. There is even a scholarship for students who agree to abstain from using tobacco and alcohol while in college.

You may even qualify for a scholarship because of where you live, your last name, your ethnic heritage or race, or a disease or handicapping condition you may have. Get the idea yet? There are all kinds of scholarships, grants, and financial aid programs out there. Some require economic need or have other restrictions, others do not.

You can search through hundreds of thousands of possible scholarships (free!) in more than twenty different data bases at http://www.college-scholarships.com. While you're there, you can sign up for a free email newsletter with articles on college admission, scholarship and financial aid programs, college survival tips, and income opportunities for college students.

At http://www.guaranteed-scholarships.com you�ll find scholarships given by individual college to all enrolled students meeting the listed criteria.

Student-athletes may visit http://www.college-athletic-scholarships.com to find the information needed to secure an athletic scholarship (or an opportunity to compete in a Division III or other non-scholarship program).

Don't forget your school counselor, as he or she can be a great source of information about local scholarship sources. In fact, most high school guidance offices maintain a list of locally based scholarships. Parents and students would be well advised to explore the range of scholarships for which they may qualify as early as the ninth or tenth grade so they can plan to meet the requirements of as many as possible.

You should be aware that many private colleges offer substantial scholarships and grants in order to be more competitive with lower cost public institutions and/or attract students who might otherwise enroll elsewhere. These monies are often offered to students with very little or no demonstrated financial need. In fact, many private colleges frequently "rebate" 30%-35% (or more) of their tuition revenue in the form of institutional financial aid. When these funds are factored in, private colleges may ultimately be little or no more expensive for some students to attend than public colleges and universities with lower published fees.

If you can demonstrate financial need, as established by your answers on the FAFSA
form at http://www.fafsa.ed.gov/ , you may want to apply to at least a few colleges which meet 100% of demonstrated financial need and do so with a reasonable proportion of gift aid to self-help aid (loans and/or work-study funds). Take note that although some relatively small number of colleges will meet the full need of all enrolled students, many more will be far more likely to meet or nearly meet the full need of stronger students.

To position yourself well to be a competitive candidate for scholarships, students should take the most challenging classes available, work diligently to learn as much as possible (not just to get grades), and get involved in co-curricular, community, charitable and/or public service activities. Here�s a good rule of thumb for all students; the more you have to offer the more you're likely to be offered.

Remember three words�research, research, and research. The more time you spend investigating scholarship opportunities, the more likely you are to find scholarships for which you may be eligible.

Don't let anyone discourage you. There are lots of people "out there," including some educators, who are inadvertently spreading their serious misconceptions about who may qualify for financial aid and what is required to do so. Most important of all, do not fail to investigate or apply to a college you like because you think it is too expensive. That is one of the most common and worst mistakes a family can make. Remember, you never know what kinds of scholarships and/or financial aid you might receive.

However, just like you should have "fall back" or "safety" colleges in case you are not admitted to your first choice institutions, you should choose and apply to colleges that will be affordable if you do not receive the financial assistance for which you hope.

Obvious as it may be, I feel obligated to remind you to pay attention to details and deadlines when applying for scholarships because so many students fail to do so. I could hardly believe it when an independent educational counselor who probably earns in the neighborhood of $1,000 for helping a student identify and gain admission to appropriate colleges asked (on an email list serve) how many words above the limit one of her counsulees could go on his college application essay. Don�t make the mistake that she did by assuming there will be no penalty if you �come close� to the requirements or are �only a few days beyond the deadline�. If you don�t pay attention, be prepared to pay for your mistakes.
But, do it right and you have a great chance of getting some scholarship and or financial aid help. Good luck.

About the author:
Dan Rosenfield is a university dean who creates educational websites as a hobby. Among his sites is , one of the most popular college admissions and scholarships websites on the net. You can reach Dan at .

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More Article Pages 1 - 2

An Education in Saving on Textbooks

Every year students flock to the college bookstore to purchase the various textbooks that they require for their classes. Little do these students realize that, in doing so, they are throwing good money away. As unbelievable as it may seem textbooks, in some cases, actually cost as much, if not more, than tuition.

On the surface the college bookstore may seem like a convenient source for textbooks. Titles are usually in-stock and students may purchase new textbooks or opt for the cheaper alternative of used books. In truth the money saved by purchasing used textbooks from the college bookstore is only a fraction of the amount that students could be saving if they shopped online.

More and more online booksellers have begun selling textbooks at a considerable discount off of the cover price. In fact, many major booksellers now have special areas of their web sites that are devoted to selling nothing but textbooks. Online used bookstores are another source for college books as they stock a large number of textbooks, which means sizable savings for students. There are also web-based retailers whose inventory is entirely devoted to college books.

Students should avoid purchasing their textbooks at the first store that they browse. Instead, they should investigate the alternatives offered by other online booksellers. Price isn't the only factor to consider when making an online purchase. Students should also factor in shipping costs and delivery time when making their buying decision.

Online auctions are another option for students seeking a bargain. This option, however, has its pros and cons. A plus is that students can get incredible bargains when obtaining books via online auctions. One downside is that established retailers have channels in place to ensure that you receive your order within a reasonable amount of time. With an auction purchase, however, you are at the mercy of the auction seller's timetable.

One way that students can really save is by obtaining books for free. Project Gutenberg is one resource that English majors will find invaluable. At this site students can peruse a vast collection of classics that have entered the public domain. In the past students seeking assistance with their studies had to pay for the privilege of that help by purchasing study guides. Today that is no longer the case. Cash-strapped students can now visit Spark Notes for free downloadable study guides as well as free downloadable classics.

Students who elect to buy online will no longer be able to resell their books to the college bookstore at the end of class, but that doesn't mean that they are stuck with the textbooks. Many web sites that sell textbooks also offer students the option of selling their books to fellow bargain-seekers. This allows students to easily recouping a portion of their money.

Textbooks normally consume a major portion of a student's budget, but that doesn't have to be the case, because while the cost of tuition may be set in stone the price of textbooks isn't. By taking the time to do a little research on the best textbook values available college students can save money now rather than acquiring debt to be paid back later.

Heather Wallace is founder of http://www.BargainMartian.com Visit to take advantage of the out of this world bargains from leading merchants found in this comprehensive directory of deals, rebates, bargains, coupons, and money-saving offers.

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An Education in Saving on Textbooks