Playing and Winning the

Scholarship Game

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.

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).

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.

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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