Where to Find FREE Money for College

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Where to
Find
FREE Money
for College

By Shay Spivey, BSW, MSW
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Copyright 2016 Shay Mays Published by
Shay Mays. All rights reserved. No part of
this publication may be reproduced, stored
in or introduced into a retrieval system, or
transmitted, in any form, or by any
means (electronic, mechanica
l, photocopying, recording,
or otherwise), without the prior written
permission of both the copyright owner and
the above publisher of this book. Every
effort has been made to ensure that
the information contained is valid,
truthful, up-to- date, and correct at time
of publication. However, by the time this
book is published, some of the information
may have changed. The author makes no
warranty to the accuracy, applicability,
or completeness of
said information. By reading this
book, you
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acknowledge that you will not hold the
author liable for any loss or other damages
that may occur. This is a guide. By
reading this book you acknowledge that
submitting an application does not guarantee
admission or an award. Winners are chosen at
the discretion of the individual
entities. Layout Shay Mays Cover
Design McLabz Soultions Printed in the
United States of America
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Table of
Contents Brief Summary About the
Author Introduction Understanding
Scholarships and Financial Aid Federal
Financial Aid State Financial Aid Local
Library Free Websites College Financial
Aid Office College Scholarships
Office College Mentoring Programs Schola
rship Books and Directories
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High School Counselors Trio
Programs Private Scholarships College
Preparatory Programs Community
Service Religious Organizations Athletic
Scholarships Business and Professional
Organizations Charities and Nonprofit
Organizations Tuition Reimbursement by
Employer Work for the University Local
Community Programs Military College
Resident Assistant Positions Free Tuition
Colleges Scholarships for Older
Adults What to Avoid
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Summary The Next Step is Up to
You Other Books by Shay Spivey Contact
Shay Spivey
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Brief
Summary If you cannot afford to pay for
college, this guide is for you! College
is expensive, and many families cannot
afford to pay the high cost of tuition.
Student loans are one option, but an
expensive one that often leads to years of
debt. Fortunately, there are various
alternative ways to pay for college that
are often overlooked, forgotten, or simply
unknown. Do you want to know Where to
Find Free Money for College? Well, you
are in the right place! This book shows you
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over 20 places to find scholarships
and free financial aid. You CAN go to
college without taking out a fortune in
student loans. Where to Find Free Money for
College is a great resource for high school
and college students, families
, teachers, and
counselors looking
for college
scholarships and financial aid.
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About the
Author Author and Social Worker, Shay
Spivey, was awarded over 100,000 in
college scholarships to
fund her college
education. Shay earned her
Bachelor and Master of Social Work from
Indiana University. Today, the
Scholarship Advisor Program founder has
written several books that show students and
families how to access free money for
education. In an effort to pay it forward,
Shay teaches scholarship
workshops in partners
hip with s
chools and
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organizations that make education
more accessible for disadvantaged students.
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Introduction Thank you for taking the time
to read my book and congratulations on
your decision to search for alternative
ways to pay for college! Scholarships
are a hot topic! This guide shows you Where
to Find Free Money for College. As a
scholarship winner and college graduate, I
have developed proven tips and techniques
that helped me win over 100,000 in college
scholarships and free financial aid. I am
devoted to helping others find, apply for,
and win
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free money for college. You CAN go to
college without taking out a fortune in
student loans. Where to Find Free Money for
College is your resource for finding
alternative ways to pay for college outside
of student loans. If you cannot afford to
pay for college, this guide is for you!
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College is Expensive College is
expensive and tuition rates are continuing
to increase. The average cost of tuition
can range between 9,000 and 32,000 a year
depending on which college you attend.
Whether it is public or private in-state
tuition or out-of-state tuition
non-profit or
for-profit community or Ivy
League, or a combination of the two or more
of these affect tuition costs. Student
Loan Debt Crisis Fact Americans have
accumulated more
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than 1 trillion dollars in student
loan debt. Students need to
understand the impact of student loan debt
on their future and the financial strain the
debt can cause after graduation. Student
loan debt is an enormous financial burden
for college graduates. It is important that
students make an effort to apply for free
money to pay their college tuition before
accepting student loans. Scholarships
and free financial aid can help students
avoid trap of student loan debt.
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The Solution Education
changes li
ves and scholarships
make it affordable. Looking for free money
for college? Scholarships are out there, and
I will show you where to look.
When searching for scholarships and
free financial aid, I recommend
using multiple met
hods. Sometimes, s
cholarships that are listed in one
source may not be listed in another. Also,
I recommend that students start
their search early.
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Understand
ing Scholarships
and
Financial Aid Scholarships Scholarship
s are financial aid that does not require
repayment. Applicants must meet basic
eligibility criteria to be considered. G
rants Grants are financial aid that does
not require repayment. Student
Loans Student loans are available as a means
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of funding your education. Unlike
gift aid, such as scholarships or grants,
loans must be repaid. -A
subsidized student loan has
no interest charged while the borrower is
in school. -An unsubsidized student
loan charges interest at all periods, even
while the borrower is enrolled in school.
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Types of Scholarships Merit-Based
Scholarship Merit-based awards are based on
a student's academic, artistic, athletic
or other abilities. Need-Based
Scholarship Need-based awards are based on
the student and family's financial record
and require them to fill out a
Free Application for Federal Student
Aid (FAFSA) in order to qualify. Student
-Specific Scholarship
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Student-specific awards are given
to applicants that identify with a
specific group (gender, race, religion,
family and medical history, etc.).
Career-Specific Scholarship Career-spe
cific scholarships
are awarded to students
who plan to pursue a specific field of
study. Often, the most generous awards are
for students that pursue careers in
high-need areas. College-Specific
Scholarship College-specific
scholarships are
offered by individual colleges to
highly qualified applicants. These
scholarships are awarded based on academic
and
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personal achievement
or personal circumstanc
es.
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Types of Financial Aid Scholarships
Financial aid that does NOT have to be paid
back. The Federal Pell Grant Financial
aid that does NOT have to be paid
back. Apply with the FAFSA. State
Incentive Grant Financial aid that does NOT
have to be paid back. Apply with the
FAFSA.
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