Finding Financial Aid

Paying for College: Financial Aid ans Scholarship Sites
  Dept Ed. Federal Student Aid
  FAFSA Student Aid Deadlines Fin Aid

 Scholarship Sites:

  Hispanic Scholarships

  Houzz Scholarships
  United Negro College Fund Scholarship Opportunities
  NSHSS Foundation STEM

  NSHSS Scholarships:
  Coca-Cola Scholars Foundation

  UNCF Merck Science

  UNCF Scholarships
  Student Scholarship Search

  Varsity Tutors Essay Contest
   Society of Women Engineers

  Am. Dental Ed. Assoc. Scholarships
   Medical Assistant Programs Scholarship
   American Psychological Assoc.

Scholarships, Grants & Awards
  RSP Financial Aid

Warning:  Not all web scholarship searches may be worth it. Use the free resources first. When deciding, ask yourself is this a money making business or a free search site?  

Can You Go Back to School if You Are in Default on a Student Loan?

Not sure which school ?

Visit your top 3 school choices when they are in session. Make sure you like the atmosphere.  Schools where student commute are very different from those with dorms. 

Pick a major using common sense, your skills and your personality.  Take a look at job sites like, and See who employers are hiring now. Gear your major to be an in demand jobs!

If you can't get a job, how will you be able to pay your rent?

Be Alert

The Financial Aid Time Line

Many colleges use data from the CSS/Financial Aid Profile. In October begin applying on line for non-federal financial aid at:

In January start filling out the Free Application for Federal Student Aid (FAFSA). Be aware that many states require additional forms. Visit for more info.  You may also want to register for a PIN at

In February start your search for scholarships. Check to see what is your state's financial aid deadline. Some are as early as March 1st.

In April discuss the financial aid package from each school with your family. Calculate how much is still needed. Decide if you need a private loan or more scholarships to make ends meet. Remember to include the cost of books which can add $700 to $1200 a semester.

Borrowing from Your 401(k) Think Twice: It Could Cost You

Pros & Cons of Borrowing from your 401(k)

Paying for a College Education

You will be paying your school a very large sum of money, so you better be happy with your choice of school and the career that comes after it. Make sure the tuition is affordable before you set your heart on one that is really out of reach.

The college board's research indicates that you may want to work during high school to start saving. College Board Work Guidance

Part Time Jobs

Look for a part time job!

Don't expect that a scholarship is going to solve all your money problems. You'll need income from a part time job too.  Try your college job center and these job sites:

Dept of Ed. Work Study Programs

Do a job for $5.00

Simply Hired Part Time Jobs

She Knows P/T Jobs

  Colorado Christian University named the #1 college in CO for the lowest average student loan debt at graduation in a study of over 1,300 schools in US.

Ask your guidance counselor for a job forecast report.  IMPORTANT: also ask to be tested to find out the kind of job for which you are best suited.


Note: new bankruptcy laws will not allow student aid debt to be forgiven.  Be prepared to pay off your loans in full.  Yea, it's scary, but good financial advisors will tell you it is worth it to borrow for a job targeted education.  Don't worry - you can do it.  Have faith in yourself.  

Be sure to choose a major you like and which is employable (e.g. not Art History or Journalism).  Check the employment ads where you want to live and see the kinds of skills which employers need.


Check out job sites such as to see what is in demand now.

Look at job forecasts to see what will be in demand when you graduate. See Career



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