Scholarship Secrets: How to Avoid Student Loans and go to College for Free! - Amyl Jaylen (2024)

With college student loan debt totaling to $1.48 trillion dollars, many people are left wondering if going to college is worth the cost. The answer to that question is YES! Earning a college degree proves to be the most reliable and effective path to obtaining a career that can support our wants and needs.

I have applied for dozens of scholarships and won a fair amount of money to help me pay for my education. Over time, I have figured out what seems to work and what does not for me personally.In this post, I will share my top seven secrets that will help you to win scholarship money.

Tip #1: Stay organized.

Keep a spreadsheet with all of the scholarships that you intend on applying to or that you have already applied to. Record the name of the scholarship, a link to the application, the deadline, scholarship amount, and the status of your application. This will help you to stay organized by keeping track of which scholarships you have already completed and it will also allow you to easily see what deadlines are coming up.

Scholarship Secrets: How to Avoid Student Loans and go to College for Free! - Amyl Jaylen (1)

Tip #2: Find scholarships.

There are a number of websites out there that help you to find scholarships for free. Two of my favorites are Fast Web and College Greenlight. These sites allow you to create a profile to find scholarships that you are eligible for based on where you live, your GPA, your age, your background, etc. Be sure to check with your school’s financial aid department because they typically have resources available that many students fail to take advantage of which raises your chances!

Tip #3: Ask for letters of recommendation in advance.

Most scholarships require that you include letters of recommendation in your application. Ask for at least two letters of recommendation prior to applying for any scholarships. I recommend asking a teacher, advisor, or another adult that you have a good relationship with and one that knows your qualities and work ethic. Be sure to ask if you can have copies of the letter so that you can use them for future purposes. It does not look good when you ask for a letter of recommendation for a scholarship that is due in a week so avoid this by being prepared.

Tip #4: Reuse old essays.

Many scholarship essays have pretty generic prompts such as what are your career aspirations or how will this scholarship help you to accomplish your academic goals. There is no need to spend hours writing essays when you can simply tweak old essays that you have written in the past. If you reference a company or the name of the scholarship in your essay, do not forget to edit it out along with any dates.

Tip #5: Apply for local scholarships.

Many people try to apply for popular scholarships because they are drawn to their large awards. While the dollar amount may seen enticing, your chances of winning these scholarships are slim because of the large number of other students also applying for the same reason. The competition for local scholarships is much less than that of well known nation-wide scholarships. Ask within your communities, work, clubs, friends and family to see if they know of any opportunities. I recommend that you still apply for scholarships with large awards, but your main focus should be on local scholarships even if the award is less. Remember that there are many expenses that have to be paid for in college and any amount of money can help.

Tip #6: Apply for scholarships that require more work.

Scholarships that require lengthy essays or videos are likely to have less applicants simply because they take more time and effort to complete. Give yourself enough time to break these large projects into smaller tasks that are more manageable. Although these applications may take longer, they often allow you to have so creative freedom so have fun with it.

Tip #7: Be creative.

As I mentioned previously, many scholarships have generic prompts and many of the responses are probably similar. It is important to make your essays stand out from the others. Use scholarships as an opportunity to share your experiences and unique perspectives.

BONUS TIP: It is kind to send to send a thank you note or email if you receive a scholarship. This helps you stand apart from other candidates or recipients. It could even potentially help you to develop professional relationships and build a network.

Remember that it is very competitive to win scholarships so remain consistent and hopeful. Set a goal for yourself to apply for a certain number of scholarships each week or month. If you follow these tips, over time you will see money start rolling in.

Good luck and feel free to contact me with any questions or comments you may have!

Scholarship Secrets: How to Avoid Student Loans and go to College for Free! - Amyl Jaylen (2024)

FAQs

How is it possible to attend college while being free of debt? ›

Apply for scholarships and grants.

There is an abundance of free college money available to those who qualify for financial aid and for those who take the time to apply for college scholarships. Contact Student Financial Services for assistance with applying for financial aid.

What are 4 ways you can avoid taking out student loans but still go to college? ›

Tips to Avoid Student Debt
  • Embrace Hybrid Learning. ...
  • Determine to Pay Cash for Your Education. ...
  • Transfer Credits. ...
  • Apply for All Aid You Can. ...
  • Test Out of Courses. ...
  • Work On-Campus. ...
  • Take on a Part-Time Job. ...
  • Discuss Repayment Plans.

How can I avoid paying student loans? ›

Options to Get Out of Repaying Student Loans Legally
  1. Loan Forgiveness Programs. ...
  2. Income-Driven Repayment Plans. ...
  3. Disability Discharge. ...
  4. Temporary Relief: Deferment or Forbearance. ...
  5. Student Loan Refinancing. ...
  6. Filing for Bankruptcy: A Last Resort.

How to go to college debt free? ›

17 Ways to Go to College Debt-Free
  1. Attend a Public School as an In-State Student. ...
  2. Attend Community College. ...
  3. Attend Online College. ...
  4. Attend a No-Loan College. ...
  5. Save With a 529 Plan. ...
  6. Earn Scholarships. ...
  7. Earn Grants. ...
  8. Participate in a Work-Study Program.

How to pay for college without parents? ›

8 Tips for paying for college on your own
  1. Plan ahead. ...
  2. Consider all your post-secondary education options. ...
  3. Use your personal savings and income for college. ...
  4. Apply for scholarships. ...
  5. Apply for financial aid. ...
  6. Compare and evaluate your financial aid offers. ...
  7. After savings and free money, consider student loans.

What happens if you never pay college debt? ›

Failing to pay your student loan within 90 days classifies the debt as delinquent, which means your credit rating will take a hit. After 270 days, the student loan is in default and may then be transferred to a collection agency. Keeping up with your student loan payments helps improve your credit score.

Why avoid student loans? ›

Key Takeaways. Carrying student debt can affect your ability to buy a home if your debt-to-income ratio is too high. If you have too much student loan debt, you won't be able to save as much for retirement. Student loan debt can lower your credit score, especially if you fail to make on-time payments.

How to stop being a poor college student? ›

That being said, here are some tips for getting the most out of college without going broke.
  1. Create a Budget. ...
  2. Take Advantage of Student Discounts. ...
  3. Make Shopping Lists (and don't shop when you're hungry) ...
  4. Keep Snacks With You During the Day. ...
  5. Going out? ...
  6. Get Involved with Campus Activities. ...
  7. Carpool.

How can I stop student loans while in school? ›

If you enroll at least half-time but do not automatically receive a deferment, you should contact the school where you are enrolled. Your school will then report information about your enrollment status so that your loan can be placed into deferment. Complete the In-School Deferment Request.

What is the new student loan forgiveness? ›

Under Public Service Loan Forgiveness, borrowers in public service for 10 years who have made 120 months of qualifying payments can get their remaining student debt canceled.

Who qualifies for student forgiveness? ›

You may be eligible for income-driven repayment (IDR) loan forgiveness if you've have been in repayment for 20 or 25 years. An IDR plan bases your monthly payment on your income and family size.

What happens if you don't pay off student loans in 25 years? ›

Any borrower with ED-held loans that have accumulated time in repayment of at least 20 or 25 years will see automatic forgiveness, even if the loans are not currently on an IDR plan. Borrowers with FFELP loans held by commercial lenders or Perkins loans not held by ED can benefit if they consolidate into Direct Loans.

How many college students are debt free? ›

More than four in ten students at public four-year universities complete their degree with zero debt. Nearly eight in ten students graduate with less than $30,000 in debt. Among those who do borrow, the average debt at graduation is $27,400 — or $6,850 for each year of a four-year degree at a public university.

Is possible to get through college and graduate debt-free? ›

There are ways to get through grad school debt-free, including research or teaching assistant positions, merit scholarships, one-year programs, working while going to school, attending a public school, finding niche programs, working before going to grad school, and finding a job with tuition reimbursem*nt programs.

Why college should be free debt-free? ›

In a 2021 poll by the National Association of Realtors, 60% of millennials said student loans were preventing them from buying a house. Tuition-free college would obviously help reduce that burden. Students might still require loans for living expenses and related costs, but it certainly would amount to less.

What are the disadvantages of being debt-free? ›

This can make it harder to rent an apartment or even get good car insurance rates. Living debt-free can sometimes result in being overly cautious with money. Avoiding all debt means you might miss out on investment or business opportunities that require upfront capital.

Is it worth going to college and being in debt? ›

With careful planning, student debt is worth it

But the data clearly show that incurring a carefully calculated amount of student debt to earn a marketable degree and enter a well-compensated, in-demand profession is very likely to pay off. In the end, it's a personal choice.

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