One of the most stressful things about attending college is figuring out how to afford it. Paying for college doesn^D>'t have to be impossible and students don't have to be wealthy in order to get a quality education. There are a number of ways that almost anyone can afford to pursue the career of their dreams with the education they deserve.
Many traditional colleges and universities offer a convenient payment plan, which can be divided up into 10-12 months. After determining the entire yearly cost, that figure would be divided by the number of monthly payments and paid at the college^D>'s billing office. Payments are usually determined from one year to the next and students must finish paying for one year of college before entering into a payment arrangement for the next. An example would be a college that would cost $12,000.00 per year in courses, meals and living on campus. In this scenario, many students can pay $1,000.00 per month for one year. For many families, a payment plan is much easier than trying to come up with a lump sum payment upfront.
Every year, many students qualify for federal student loans. Applications and information can be obtained at a high school guidance counselor's office and/or the college of interest^D>'s billing office. Applications for student loans are accepted each year and are generally required to be submitted at, or near, each new year. In order to be considered, student^D>'s must be willing and able to provide documented income for themselves and their family so that their loan application can be properly assessed.
Local businesses, organizations and even colleges often provide scholarships to students who they believe will excel at college studies. These scholarships are usually available to high school seniors and are based on a number of factors, including grades, participation in school activities, employment and a personal interview. In order to be considered for a scholarship, students must apply by obtaining an application at their high school guidance counselor's office or from the organization granting the scholarship.
Many parents and students think that scholarships are only for students with excellent grades, low income, or athletic skills. An example of the numerous scholarships available to students include: handicapped student scholarships, members of a church scholarships, scholarships for "C" students, veterans' children's scholarships, scholarships for minorities, and much, much more.
Though the majority of scholarships are from the federal government and are merit-based and/or for students with low incomes, billions of dollars are available to students from private-sector scholarships. Private-sector financial aid often goes unused because parents and students do not know how or where to apply.
There are organizations that research scholarship sources. The U.S. Commission for Scholastic Assistance--College Bound supplies the public with over 700 different private scholarship sources. Scholarship information includes names/titles, addresses, application deadlines, summaries, and the amount each scholarship pays.
Many scholarships pay the entire tuition; others can be applied towards tuition, living expenses, and/or other fees. Most scholarships can be used at junior colleges, career and vocational schools, four-year colleges, graduate schools, or medical and law schools.
For information on obtaining these scholarship lists, send a self-addressed business-size envelope to:
The U.S. Commission for Scholastic Assistance
P.O. Box 668
O'Fallon, IL 62269
Reprinted from accessAbilities 13 (1997-1998): 1
If you're thinking about going to college, you've probably been mulling over two key questions: Which college should I attend and how will I pay for it?
The answer to the first question will depend on several factors, including your desired course of study, your grades, and your geographic preferences. The latter question can be trickier. I've got a website that may help you find some of the answers to your questions about picking the right college.
MatchCollege.com features 6,000+ public and private colleges/universities, providing detailed information regarding admissions, financial aid & tuition, employment, housing, athletics and much more.
Click this link to visit http://www.matchcollege.com.
Thankfully there are numerous organizations, foundations and agencies that offer scholarships and grants for students who are blind or visually impaired. While only a few scholarships are sufficient to cover the full-cost of tuition and expenses, every little bit helps.
The following links will lead you to organizations that either offer scholarships to students who are blind or visually impaired, or have information that can help you in your search.
Google Lime Scholarship for Students with Disabilities
Google has partnered with Lime (http://www.limeconnect.com) to offer scholarships to students with disabilities who are pursuing university degrees in the field of computer science in Canada or the U.S. Lime is a not-for-profit organization that brings together global corporations and people with disabilities, bringing to light an untapped source of talent. Scholarships will be granted for the 2009–2010 academic year, and recipients will be invited to attend an all-expenses-paid retreat at the Googleplex in Mountain View in 2010.
Google hopes this program will increase opportunities for students with disabilities and encourage them to pursue careers in computer science. They also hope to foster long-lasting relationships through which these students can support each other over the course of their academic studies.
"As part of Google's ongoing commitment to advancing computing and technology, we are pleased to provide scholarships to encourage students to excel in their studies and become active role models and leaders. We hope these programs also help in dismantling barriers that keep women and minorities from entering computing and technology fields."
The deadline to apply for this year's Lime Scholarship is June 1, 2009. For complete details, visit http://www.google.com/jobs/scholarships.
Article Source:
Official Google Blog
Student Financial Aid
This site provides access to information on colleges and universities throughout the United States, free college scholarship and financial aid searches, SAT and ACT test preparation tips. Also provides graduate school preparation with tips for GRE, GMAT, MBA programs, and more at 101 Top College, University and Scholarship Pages.
Click this link to visit the Student Financial Aid page of the St. Ambrose University website.
The American Foundation for the Blind, http://www.afb.org has a comprehensive list of foundations, universities and service groups offering scholarships and grants for students who are blind or visually impaired. While there are no links to follow to gather additional information from these organizations while online, mailing addresses and phone numbers are provided.
American Foundation for the Blind
11 Penn Plaza, Suite 300
New York, NY 10001
Phone: (212) 502-7600
E-mail: info@afb.org
Internet: American Foundation for the Blind, www.afb.org
Association of Blind Citizens, http://www.assocofblindcitizens.org offers a $1000 annual scholarship to a college-bound student who is blind or visually impaired. The scholarship may be applied to tuition, living expenses or related expenses resulting from vision impairment. Scholarship application instructions and requirements are provided at the association's web site.
Association of Blind Citizens
PO Box 246
Holbrook, MA 02343
Telephone: (781) 654-2000
Fax: (519) 275-6713
Email: president@assocofblindcitizens.org
Internet: Association of Blind Citizens, www.assocofblindcitizens.org
The American Council of the Blind http://www.acb.org awards scholarships to exceptional graduate and undergraduate students who are blind. A person wishing to apply for an ACB scholarship needs to obtain an application form. The form is available on the ACB web site or by writing or calling ACB at the following address and phone number:
American Council of the Blind (ACB)
Scholarship Office
1155 15th Street NW Suite 1004
Washington, DC 20005
Phone: 800-424-8666
Email: info@acb.org
Internet: American Council of the Blind, www.acb.org
Blindskills Inc. http://www.blindskills.com/scholar.html is a nonprofit corporation that publishes DIALOGUE, a magazine written specifically for persons who are blind or are experiencing sight loss. A past issue of DIALOGUE contains the article "Scholarships for Blind and Visually Impaired Post Secondary Students" and it includes a lengthy list of scholarship opportunities and contact information.
Blindskills Inc.
P.O. Box 5181
Salem OR 97304-0181
Phone: (800) 860-4224
Fax: (503) 581-0178
E-Mail: blindskl@teleport.com
Web Site: www.blindskills.com
Collegeboard.com http://www.collegeboard.com is the web site for the College Board, a not-for-profit association of colleges and universities (and also the developers and administrators of the Scholastic Aptitude Test or SAT). The site has an online searchable database of more than 2,000 scholarship and grant resources. There is a simple online form which allows the user to tailor his or her search according to individual preferences. Searches can be customized to find scholarships for students who are blind or visually impaired. There are no fees for using this service.
The College Board
45 Columbus Avenue
New York, NY 10023-6992
Phone: (212) 713-8000
Internet: collegeboard.com http://www.collegeboard.com/
FreSch, the Free Scholarship Search, http://www.freschinfo.com web site, has an extensive database of scholarships, including scholarships for students who are blind or visually impaired. To get a listing of these scholarships, follow the link to Browse the scholarship database. You can then select a category to browse: choose Disabilities. When the form loads, indicate Blind and then submit. FreSch will compile a list of scholarships that are currently accepting applications. For a complete list of scholarships, including those with deadlines that have passed, uncheck the box for "Only show scholarships that the deadline has not passed" and submit.
FreSch
Internet: www.freschinfo.com
The National Federation of the Blind, http://www.nfb.org has its own scholarship program. Each year the organization awards approximately 22 NFB scholarships to support students whose interests run from computer science to teaching foreign languages. The NFB administers an additional scholarships on behalf of individuals and other foundations. Among these scholarships are:
- The Kenneth Jernigan Scholarship: a $10,000 scholarship given by the American Action Fund for Blind Children and Adults.
- Melva T. Owen Memorial Scholarship: a $7,000 scholarship given to a student whose course of study is "directed towards attaining financial independence."
- Michael and Marie Marucci Scholarship: The winner of this $3,000 scholarship must be "studying a foreign language or comparative literature; pursuing a degree in history, geography, or political science with a concentration in international studies; or majoring in any other discipline that involves study abroad."
- Frank Walton Horn Memorial Scholarship: A $3,000 scholarship awarded with preference toward those studying architecture or engineering.
National Federation of the Blind
Scholarships Committee
805 Fifth Avenue
Grinnell, IA
Phone: (641) 236-3366
Email: nfb@nfb.org
Internet: National Federation for the Blind, www.nfb.org
U.S. Commission for Scholastic Assistance--College Bound is a printed resource with listings for more than 700 private scholarship sources. Millions of dollars of private sector (individual, company, etc.) scholarships are available to students every year. To get information on obtaining these scholarship sources, send a self-addressed business-size envelope to:
The U.S. Commission for Scholastic Assistance
PO Box 668
O'Fallon, IL 62269
The Student Aid Audio Guide is an online, simulated telephone conversation that that provides information on the following topics on Financial Aid from the U.S. Department of Education.
Introduction and Contents
Sources of Nonfederal Aid
The Federal Student Aid Programs and General Eligibility Requirements
How to File the Free Application for Federal Student Aid (FAFSA)
Determining Whose Information to Report and Completing Your Application
What Happens After I Apply?
Making Adjustments
Meeting Deadlines and Verifying Your Application
Federal Pell Grants
Campus-Based Aid: Common Provisions
Campus-Based Grant and Work-Study Programs
Federal Perkins Loans
Obtaining Loans for Students - Direct and FFEL (Federal Family Education Loan) Stafford Loans
Repaying Loans for Students - Direct and FFEL Stafford Loans
Loans for Parents - Direct and FFEL Plus Loans
Direct and FFEL Consolidation Loans
Please note: to listen to any of the content on the page, you must have The RealPlayer from Real Systems Inc. installed on your computer. To learn more, click the following link.
The Student Aid Audio Guide, http://studentaid.ed.gov/students/publications/student_audio_guide/index.html
College Scholarships for Individuals with Parents with Disabilities
In recognition of the more than nine million parents with disabilities in the U.S. and their families, Through the Looking Glass (TLG), non-profit organization, is pleased to announce the College Scholarship Fund specifically for graduating high school seniors who have parents with disabilities.
Scholarships funds are available to graduating high school students who:
- demonstrate academic and personal achievement;
- have grown up with at least one parent with a disability; and
- will be a high school graduate or graduating senior by the Summer
This award is one of several projects of Through the Looking Glass' National Resource Center for Parents with Disabilities. This National Center is funded by the National Institute on Disability Research and Rehabilitation (NIDRR), U.S. Department of Education.
More information and application forms are available on the Through the Looking Glass website: www.lookingglass.org Forms may also be requested by calling 1-800-644-2666.
Founded in 1982, Through the Looking Glass (TLG) is a nationally recognized center that has pioneered research, training, and services for families in which a child, parent or grandparent has a disability. Since 1998, TLG has been funded by NIDRR as the National Resource Center for Parents with Disabilities.
The overall goal of this national center is: To increase knowledge regarding parenting with a disability and support more accessible and disability-appropriate resources for diverse parents with disabilities and their children. The Centers services and activities include: national toll-free information and referral; technical assistance and consultations; professional trainings, workshops and presentations; national library and resources clearinghouse; publications and training modules; a national parent-to-parent network of parents with disabilities; international newsletter; website and bulletin boards; and regional and statewide systems development.
Through the Looking Glass
2198 Sixth Street, Suite 100
Berkeley, CA 94710
Toll Free: (800) 644-2666 ext. 172
Phone: 510-848-1112 ext. 172
Web: http://www.lookingglass.org
FAFSA4Caster: http://www.fafsa4caster.ed.gov was created by The Department of Education to give students an early estimate of their eligibility for federal financial aid for college.
Fynanz
Fynanz is a social lending program designed for student loans. Students and parents can request a loan and lenders will make loan offers covering all or part of the loan request. Unlike a typical student loan from a bank, the money lent through Fynanz comes from private individuals.
One benefit of Fynanz for borrowers is that the typical loan received has an interest rate that is 1% to 1.5% lower than typical bank rates. Another benefit of Fynanz is that it rewards good students by offering lower interest rates to students with outstanding grades. Finally, Fynanz lowers the interest rate on your loan by 1%for every 10% of principal repaid.
For individuals interested in lending money through Fynanz, the site provides loan guarantees up to 100% of the value of a loan. Fynanz's lender program should eliminate many of the typical worries associated with social lending.
Click this link to learn more at http://www.fynanz.com.
For students who are not eligible for the above options, but still want to attend college, there is an alternate option that will gradually help them to work toward their degree. College courses are offered at a certain cost, which is calculated on a credit hour basis. Many colleges allow students to enroll in several classes without becoming a full-time student and being required to pay the full tuition. These students can often pay as they go, which means they only pay for the course(s) they are taking at the time and this will be a much more affordable way to pay for college. It will take longer to obtain a degree, but anything worth having is worth waiting for.
Christian Record Services
Christian Record Services provides free Christian publications and programs for people with visual impairments. The goal of the many volunteers, employees, and trustees of Christian Record Services is to reach every blind or visually impaired person in North America with their free Christian publications and services. Services include:
- Subscription Magazines are available in braille, large print, and audio cassette.
- Full-Vision Books combine braille and print, enabling blind parents to read to their sighted children and sighted parents help their blind children learn
to read braille.
- The Lending Library lends more than 2,000 volumes in braille and audio cassette.
- Gift Bibles and Study Guides are available in braille, large print, and audio cassette.
- National Camps for Blind Children are operated throughout North America.
- Scholarship Assistance is given on a limited basis to blind young people trying to obtain a college education.
For more information, contact:
Christian Record Services, Inc. / National Camps for Blind Children
4444 South 52nd Street
Lincoln NE 68516-1302
Phone: 402-488-0981
Fax: 402-488-7582
Email: info@christianrecord.org
Web: http://christianrecord.org
Disability Scholarships for the Blind
There are a variety of different disabilities scholarships and grant programs available to the visually impaired, and it is important to explore these opportunities if you are looking for a way to pay for a higher education. College is not out of reach for those with disabilities, especially the blind.
Click this link to visit DisabilityScholarships.us to learn about several scholarships, specifically for people who are blind or visually impaired.
The HEATH Resource Center has also created a list of thirty SCHOLARSHIPS for Legally Blind / Visually Impaired College Students.