College Loan Scams

If you are in college, then the word loan sounds quite lucrative. Isn’t it? These days the banks and other financial institutions are getting into a lot of action in the college loan segments. Just as it is beneficial for students in need of educational loan, similarly it affects them, when they fall under the false grip of college scams. But you need to identify the right institutions that provide you with authentic college loans.

Just when you complete your high school and move towards the threshold of college, your mailbox will be filled with all types of mails enticing you to take attractive college loans. Most of these institutions are fake and involved in college scams. These fraudulent offers might look highly attractive. But to ward off these offers and choose the right ones, you need to be a smart consumer. Do not opt for loans that promise you with no repayment in cash or kind, for it might be a type of college scams. Some of the institutions often tell that free loan is allowed because every year millions of money remains un-used. This fact is false as all real-loan-money institutions receive money from Federal Government or from individual colleges.

Here are some of the ways that you can detect the truth or falsity behind the college loan story. If the institutions promise money in return of money, it may be a college scams issue. Remember for these loans you just have to spend money for a postage stamp and nothing more. Sometimes the institutions might ask for upfront fees that will be arranged to look like prizes. They will just ask you to pay a certain amount as fee to get your prizes. Some college scams might even offer loans at very low interest than the usual interest rate charged by institutions. Remember education loans never require any upfront fee or will never offer loans at an interest rate than the usual interest rate of 8.5% [approx].

Diploma mills

With the growing trend of earning degrees online, there has also been a growing trend of fraudulent companies out to take your money.  Before you look into psychology degree programs online, you have to know what you are getting to avoid purchasing one of the many fake degrees online.

Online psychology degree programs have jumped in popularity quite rapidly.  The Internet is now readily available in most homes and at most jobs, people find that they can earn their degrees at their own pace and without leaving their current jobs.  As the popularity continues to increase, more and more universities are starting to offer programs online.  However, there has also been an increase in the number of “diploma mills” offering fake degrees online.

As with any other business, universities have to sustain a profit in order to keep up with their competition.  You will find that the cost may vary greatly from school to school when you research psychology degree programs. Legitimate universities have found that offering online courses means that they have to pay less for infrastructural expenditures, and that they can reach a whole new student base around the world. “Diploma mills”, on the other hand, see it as an opportunity to get rich quick by offering fake degrees online.  They may offer the fake degrees online at a lower cost, but to you it is just throwing your money away in exchange for a pretty piece of paper.

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Loan programs for graduate students

Loan programs for graduate students can prove to be highly beneficial for the following factors:
•    The sudents' can reduce monthly payment up to 60% or more
•    The students' help in making loan payment that occur only once in a month
•    The student can apply anytime and lock in a lower rate of interest for         the life of the loan
•    The student can reduce the rates of interests as much as an extra 1.5%         through the assistance of benefit packages
•    Applying for these loans are quite easy
•    The student need not pay any extra fees, credit checks, origination or         application charges associated with the application.
•    The student can significantly reduce monthly payment burden, lower their     debts to income ratio and highly improve on the credit status.

Another great advantage of enrolling in graduate consolidation loans program is extension of loan period from standard 10 years to 30 years depending on the amount of education loan of the student. Find out more at Easy College Loans

Eligibility

Sometimes the students do not at all apply for college loan consolidation because they think they are not eligible for it. But the reality is up to 70% or more percentage of people who apply for some sort of financial aid are completely capable of receiving it. Since the application is free so the students can apply for loan to get maximum benefits that will meet their educational purpose.

Some of the factors that affect eligibility for college loan consolidation are timing, parent’s income and student’s income. Timing is very important and the primary factor to decide for the loan. Make sure that if you apply for financial aid an there is no money for college loan left in your account, and then you will not receive a loan. Usually the semester fees are taken during June 1st, but the loan applications close within January 1st. But at majority times, you will not be turned down due to lack of funds.

Students’ income and parent’s income are second and third most important factors for eligibility of college loan consolidation. When it comes to determining eligibility for college loans, the student’s income is weighted as far more important than parent’s income. While 35% of the student’s assets and 50% of their income; 5.65% of parent’s asset and 47% of their income, is needed to determine the loan. If the student wants to take a loan before the age of 24, then parent’s income is the most important factor to determine eligibility for college loan consolidation.

The factors required for attaining eligibility for college loan consolidation are-- check Easy College Loans for more info

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Student Loan Advisors

When a student is interested in taking a loan, it is very important for the candidate to experience a mandatory loan counseling sessions personally with loan counselors for entrance and exit counseling. It requires that it is very essential for every student to undergo online counseling about loan consolidations processes before taking a loan.

Loan consolidating means a situation where multiple loans will be brought together and united into one single loan. This will help in reducing the rate of interest that students are paying monthly and also reduce the loan amount to a significant extent, when the student ultimately has to repay.


Following benefits will prove the need for consulting college loan consolidator’s advices:
Read them at Easy College Loans

Federal consolidation loan

One of the main advantages of Federal consolidation loan is your payments can be primarily less and you can take a much longer time to repay it. Complementary to this, it might also allow you to pay a lower interest rate than you are paying on existing multiple loans.

You can get Federal Consolidation loan through two different ways:
• Direct Consolidation Loan – the student or parents can contact the Direct Loan Origination Center’s Consolidation Department to get consolidated loans
• FFEL Consolidation Loan – the students or parents can contact the consolidation department to obtain consolidation loan from the holder.

While Direct Consolidation loan is available from the US department of Education, FFEL Consolidation loan is available from participating lenders like banks, credit unions, loan associations. Find out more at Easy College Loans

Student loans

Student loans are amounts given to students from banks and other financial institutions to meet the expenses incurred in completing education. With a consolidation loan, the students can perfrm the following activities:

1.    Receive an interest rate as low as 5.375%
2.    Reduce monthly payment by at least 40%
3.    Improves your credit scores
4.    Need no credit checks, co-signers or any fees
5.    Face no penalties for early repayment
6.    Take complete advantages of great borrower benefits
7.    Consolidation loan interest is highly Federal Income Tax deductible

The students should consolidate student loans because it allows them to bring multiple loans to one single unit and make repayment for that single loan. The interest rates are also significantly reduced; and the students can meet personal and educational expenses. A close consultation with the counselors helps the students to determine the right type of student loan. Find out more at Easy College Loans!

End Procrastination!

As a student, I was a bad procrastinator. I would leave my homework and reports until the last minute. Being blessed with good intelligence, I got away with doing this until my Junior year of College.
Most students dread writing assignments, putting them off to the last possible minute. Writing is one of the most important skills a student can develop. Click Here for some tips from great writers that can help you conquer the procrastination monster: 

Writing Skills

Good writing skills are a must for students as they progress throughout school. Too often, the public schools do a poor job of imparting the knowledge young people need to become good writers.
There is a wonderful new web site about Writing Skills called Good Writing.

Additionally, if a student would like some help learning how to study, I suggest that they check out
the site Studying made Easy

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SCHOLARSHIPS AVAILABLE BY CLICKING HERE

THE SCHOLARSHIP AND GRANT GUIDE

 

If you are at this blog, I would imagine that you are at least moderately interested in finding out information on scholarships and grants. Let your fingers do the walking…that is an old phrase that was used to promote the use of the telephone and the phone book to help you track things down instead of driving all over town from shop to shop.  That was obviously also before the advent of the internet.  Even with the comparative lightening fast speed of the internet you can spend a great deal of time trying to track down information on scholarships and grants and still end up at a lot of dead ends.

 

The Scholarship and Grant Guide by Jerry Bohlken is your one stop shopping source for currently available scholarships and grants.  The research in this guide is ongoing and contains up-to-date information compiled from over 40 different scholarship databases.  And it is important to note here that these scholarships are not just for those students who had great test scores or class ranks.

 

One small fee provides you with lifetime privileges to this guide.  If you find just one scholarship, you will probably make your money back.  If you are a parent with more than one child, this guide could be worth its weight in gold.

 

To check out Jerry Bohlken’s Scholarship and Grant Guide
<a href="http://maestra929.sgguide.hop.clickbank.net/" target="_top">Click Here!</a>

Rude awakening

So, I consolidated my student loans awhile back to have the benefit of a lower monthly payment. Little did I realize that I as actually adding about $500 to my indebtedness, and I only owed about $10,000 to begin with!! I feel used and mis-led. Sallie Mae, the one who had my loans originally is now being investigated by the government for fraudulent practices. I feel that the government should investigate every company in the entire industry!

Government Grant Programs you can use!

$5,000 for Women Who Support Families
Program Name: Women Opportunity Awards
Amount (Max): $5,000
Income Requirements: Financial Need
Geographic Requirements: Nationwide
Other Requirements: Eligible applicants must be women who provide the primary financial support for their families, and who are enrolled in or have been accepted to a vocational/skills training program or an undergraduate degree program.
Contact: Must apply through regional office. To locate office check www.soroptimist.org/sia/AM/Template.cfm?Section=WOMEN_S_OPPORTUNITY_AWARDS
Application: www.soroptimist.org/sia/AM/Template.cfm?Section=About_Us

$2,000 for Wal-Mart Employees
Program Name: Wal-Mart Higher REACH Scholarships
Amount (Max): $2,000
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Must be employee or Wal-Mart for at least one year.
Contact: Wal-Mart Higher REACH Scholarship Program, c/o Scholarship Program Administrators, Inc., P.O. Box 22492, Nashville, TN 37202; 866-524-7385; www.walmartfoundation.org
Application: https://www.scholarshipadministrators.net (Access key: WALMT)

Money For Lutheran Laywomen
Program Name: Opportunity Scholarships for Lutheran Laywomen
Amount (Max): Varies
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Must be 21 years old and member of the Evangelical Lutheran Church in America and have an interruption in education of two or more years. Provides assistance to women studying for a career other than the ordained ministry. May be enrolled in undergraduate, graduate, or vocational school.
Contact: Women of the ELCA, Scholarships Program, 8765 W. Higgins Rd., Chicago, IL 60631; 800-638-3522 ext. 2736; www.womenoftheelca.org
Application: www.womenoftheelca.org/whatWeDo/opportunity.html

$16,000 for Women to Study Accounting
Program Name: The "Women in Transition" Scholarship
Amount (Max): $16,000 over 4 years
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Money is for incoming or current freshmen and women returning to school with a freshmen status to pursue a degree in accounting. This is for women who do not possess a college degree or who have few marketable skills since they have focused on being a homemaker.
Contact: The Educational Foundation for Women in Accounting, National Headquarters, P.O. Box 1925, Southeastern, PA 19399-1925; 610-407-9229; www.efwa.org
Application: www.efwa.org/scholarships.htm

$2,000 for Your First Degree
Program Name: The "Women in Need" Scholarship
Amount (Max): $2,000 for 2 years
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Money is for incoming or current juniors to pursue a degree in accounting.
Contact: The Educational Foundation for Women in Accounting, National Headquarters, P.O. Box 1925, Southeastern, PA 19399-1925; 610-407-9229; www.efwa.org
Application: www.efwa.org/scholarships.htm

Money for Women 25 and Older
Program Name: Linda Lael Miller Scholarships for Women
Amount (Max): Varies
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: For women age 25 or older and are non-traditional students. Money can be used for tuition and books, as well as childcare, transportation, and other expenses.
Contact: Linda Lael Miller Scholarships for Women, c/o Nancy Berland Public Relations, Inc., 2816 NW 57th St., Suite 101, Oklahoma City, OK 73112
Application: www.lindalaelmiller.com/scholarships/scholarships.asp

Up to $10,000 for Women Engineers
Program Name: Society of Women Engineers Reentry Scholarships
Amount (Max): $10,000
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Scholarship is to assist women in obtaining credentials necessary to reenter the workforce as engineers. Must be out of school and workforce for at least two years.
Contact: The Society of Women Engineers, 230 East Ohio St., Suite 400 Chicago, IL 60611; 312-596-5223; www.societyofwomenengeers.org
Application: www.societyofwomenengineers.org/scholarships/schlrtn.htm

$5,000 for Royal Neighbor Members
Program Name: New Horizons Scholarships
Amount (Max): $5,000
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Must be member of Royal Neighbors of America for at least two years. Must be female member age 35 or older who is enrolled full or part-time in college, university, junior college, or vocational school.
Contact: Royal Neighbors of America, 230 Sixteenth St., Rock Island, IL 61201; 800-627-4762
Application: www.royalneighbors.org/MemberBenefits/scholarships.cfm

$1,000 for Golden Key Members
Program Name: Golden Key\'s GEICO Life Scholarship
Amount (Max): $1,000
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Must be member of Golden Key National Honour Society. Award is for those who are doing well in school with managing a family or career.
Contact: Scholarship Program Administrators, Golden Key Scholarships/Awards, P.O. Box 23737; Nashville, TN 37202; http://www.goldenkey.org/GKWeb
Application: www.goldenkey.org/GKweb/ScholarshipsandAwards/

$1,200 for Those 24 and Older
Program Name: Alpha Sigma Lambda National Honor Society
Amount (Max): $1,200
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Must be 24 years of age or older and enrolled in a two or four year college with an overall grade point of 3.4 (having completed 30 semester hours or 45 quarter hours).
Contact: ASL Adult Education Foundation, c/o ASL National Office, School of Continuing Education, Eastern Illinois University, 600 Lincoln Ave., Charleston, IL 61920; 217-581-7106; www.alphasigmalambda.org/foundation/index.php
Application: www.alphasigmalambda.org/foundation/index.php

Money for � Indian Displaced Homemakers
Program Name: AAIA Displaced Homemaker Scholarship
Amount (Max): $1,000
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Must be � Indian. Open to men and women who are having difficulty completing their education because of family responsibilities. Money can be used for child care, transportation, living expenses, as well as educational costs.
Contact: Lisa Wyzlic, Director of Scholarship Programs, Association on American Indian Affairs, 966 Hungerford Dr., Suite 12-B, Rockville, MD 20850; 240-314-7155; www.indian-affairs.org/
Application: www.indian-affairs.org/

$1,500 for Working Science or Technology Professionals
Program Name: AFCEA Scholarship for Working Professionals
Amount (Max): $1,500
Income Requirements: Financial Need
Geographic Requirements: None
Other Requirements: Must be employed in science or technology areas. This is for undergraduate or graduate students and enrolled part-time in a science or technology major.
Contact: AFCEA Educational Foundation, 4400 Fair Lakes Court
Fairfax, VA 22033-3899; 703-631-6149 or 800-336-4583 ext. 6149; www.afcea.org/education/scholarships/workingstudents/ws1.asp
Application: www.afcea.org/education/scholarships/workingstudents/ws1.asp

$2,000 for Mothers to Go to School
Program Name: Education Support Awards
Amount (Max): $2,000
Income Requirements: Financial Need
Geographic Requirements: Nationwide
Other Requirements: For low-income women, especially mothers, pursuing technical, undergraduate or graduate education.
Contact: Patsy Takemoto Mink Foundation, PO Box 60010, Florence, MA 01062; www.ptmfoundation.net/home.shtml or Patsy Takemoto Mink Education Foundation, PO Box 479, Honolulu, HI 96809
Application: www.ptmfoundation.net/edsupportappPDF.PDF

$500 or More to Train to Defend Your Country
Program Name: HORIZONS Scholarships
Amount (Max): $500
Income Requirements: Financial Need
Geographic Requirements: Nationwide
Other Requirements: For women who are pursuing or plan to pursue, careers related to US national security; must have a minimum GPA of 3.25 and be studying engineering, computer science, physics, mathematics, business, law, international relations, political science, operations Research, economics or other fields of study demonstrated relevant to a career in the areas of national security or defense.
Contact: HORIZONS, c/o WID, 2111 Wilson Blvd., Suite 400, Arlington, VA 22201; 1-703-247-2552; Fax: 1-703-522-1885; wid.ndia.org/horizon/
Application: wid.ndia.org/ScholarshipApp.pdf

$10,000 for Women to Study Computers
Program Name: Google Anita Borg Scholarship
Amount (Max): $10,000
Income Requirements: Financial Need
Geographic Requirements: Nationwide
Other Requirements: For women who are computer science, computer engineering, or related technical field majors. Students must be entering their senior year of undergraduate study or be enrolled in a graduate program.
Contact: Anita Borg Memorial Scholarship Program, Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043; www.google.com/anitaborg/; Email: anitaborgscholars@google.com

Free Tuition Plus a Guaranteed Job for Nurses
Program Name: University of the District of Columbia Scholarships
Amount (Max): FREE tuition, FREE books, a $250 monthly stipend, and guaranteed job placement as a nurse at Providence Hospital upon graduation
Income Requirements: Financial Need
Geographic Requirements: Nationwide
Other Requirements: For anyone between 18-28 years old who is interested in the nursing field.
Contact: Ms. Beshon Smith at 202-266-5481 or Email: Bsmith@urbanalliance.org

$2,000 Helps You Go to School if You\'ve Been Abused
Program Name: Women\'s Independence Scholarship Program (WISP)
Amount (Max): $2,000
Income Requirements: Financial Need
Geographic Requirements: Nationwide
Other Requirements: For survivors of domestic violence who will be full- or part-time students and interested in attending vocational, community college, four-year degree or graduate studies programs.
Contact: Women\'s Independence Scholarship Program, Sunshine Lady Foundation, Inc., 4900 Randall Parkway, Suite H, Wilmington , NC 28403; 1-866-255-7742 or 1-910-397-7742; Fax: 1-910-397-0023; www.sunshineladyfdn.org/wisp.html; Email: nancy@sunshineladyfdn.org
Application: www.sunshineladyfdn.org/wispbooklet.pdf

$3,000 to Further Your Education in Social Work
Program Name: Counselor, Advocate and Support Staff Scholarship Program (CASS)
Amount (Max): $3,000
Income Requirements: Financial Need
Geographic Requirements: Nationwide
Other Requirements: For workers already in the field of domestic violence to develop or enhance skills necessary to increase their effectiveness in serving their clients.
Contact: Sunshine Lady Foundation, Inc., 4900 Randall Parkway, Suite H, Wilmington, NC 28403; 1-866-255-7742 or 1-910-397-7742; Fax: 1-910-397-0023; www.sunshineladyfdn.org/cass.html; Email: jill@sunshinelady.org
Application: www.sunshineladyfdn.org/cassform.pdf

Scholarships Grants and Student Loans for Adults

Scholarships for Adults

Scholarships So Single Moms Can go Back to School
Program Name: Scholarship For Continuing Education
Amount (Max): Varies
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Available to single parent women who would like to go to school or continue with their education, but have been denied sufficient resources.
Contact: Raise The Nation, P.O. Box 8058, Albuquerque, New Mexico 87198; 1-505-265-1201

$10,000 to Study the Law
Program Name: Frederick B. Abramson Public Interest Fellowship Award
Amount (Max): $10,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: The recipients must commit to at least one year\'s employment with a non-profit organization in the District of Columbia.
Contact: The Frederick B. Abramson Memorial Foundation, 1050 Connecticut Avenue, NW, Suite 200, Washington, DC 20036; 202-828-5120; Fax: 202-828-6490; www.abramsonfoundation.org/fellowship/index.shtml; Email: info@abramsonfoundation.org
Application: www.abramsonfoundation.org/fellowship/fellowshipform.shtml

Money to Learn a Foreign Language
Program Name: Blakemore Freeman Language Grants
Amount (Max):Varies
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Must be pursuing an academic, professional or business career that involves the regular use of a modern East or Southeast Asian language. Refresher Grants are available to professionals.
Contact: The Blakemore Foundation, 1201 Third Avenue, Suite 4800, Seattle, WA 98101-3266; 206-359-8778; Fax: 206-359-9778;

Over $12,500 in Scholarships for Abused Women
Program Name: R.O.S.E. Scholarship Program
Amount (Max): $12,500 +
Income Requirements: None
Geographic Requirements: Any college or university in New England.
Other Requirements: Applicants must be nominated.
Contact: The R.O.S.E. Fund, Inc., 175 Federal Street, Suite 455, Boston, MA 02110; 617-482-5400; Fax: 617-482-3443

Truck Stop Employees Get $2,500 to go to School
Program Name: Bill Moon Scholarship Program
Amount (Max): $2,500
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Students must plan on enrolling on a full-time basis in postsecondary studies at an accredited school.
Contact: The NATSO Foundation, 1737 King Street, Suite 200, Alexandria, VA 22314; 888-275-6287 or 703-549-2100, ext. 8561; Fax: 703-684-9667

Private Student Loans

Private Student Loans

Loans that are made to students by banks or finance companies are called ‘private student loans’. These loans are different from the federal loans that are available to students because they are not guaranteed by a government agency.

The advantage of a private student loan is that they can offer more money to a student because of the loans higher limits. Also, students do not need to pay back a private student loan until after they have graduated, usually not until at least six months after their graduation.

The disadvantage of a private student loan is that it can be tied to the credit history of the student. So this can mean that students with poor credit history will generally have higher rates and a higher loan origination fee than students with excellent credit history.

However, since private student loans are not tied in to the financial need of the student, a private loan is of the greatest advantage to families that are not qualified for many federal student loans. This is because these families may have too many assets or too much income to qualify for federal aid, but still have a need for some type of financial assistance in order to pay for college.

Be sure to do your research on all the terms of individual private loans because they do are different from lender to lender. Consider not only the interest rate of the loan, but also consider the terms and benefits of each loan. For example, find out how long each lender will defer payments and also find out their forebearence terms (the time when a student is eligible for stopping payments on a loan due to hardship). These terms are not set by the Department of Education but on the contract between the financial institution and the student.

Receive student loans and grants

The cost of colleges in todays society, students are very fortunate to be able to receive student loans and grants.

The Staford/ford loan offers both Subsidized and Unsubsidized student loans. But how many people know the difference between the two. A Subsidized loan you have to prove that your in financial need. All interest on subsidized loans is paid by the government while the student is actually enrolled at least half time and during certain periods, such as grace and deferment.. Unsubsidized loans is where you do not have to prove anything. It is the students responsibility to pay all interest on this type of loan. The Direct PLUS program offers unsubsidized loans to parents of dependent students. The parents must pay all interest on Direct PLUS loans.

Another type of help is the Pell Grant. and it does not have to be paid back. Thats right its free money to the student to help pay for his or her college. The maximum you can receive with a pell grant is 3,000 dollars Pell grant funds are paid directly to the student by the school at least once each semester, trimester, or quarter.

So their is some help out there you just need to research for the information. I hope i was able to make the process a little easier.

With Loans the student doesn't have to repay it until 6 months after they graduate. The payments are reasonable and they give you very low interest rates.

IDENTITY THEFT

How To Prevent It, Stop It & Cure It !!

Discover How To Protect Your Name, Your Money, Your Family AND Your Future From Identity Theft & Online Scams

ID theft is one of the major ways your credit rating can be RUINED!!!

Did you know that Federal Authorities estimate over FORTY BILLION dollars is lost each year to Identity Theft in the United States and Canada....

...and it can take at LEAST A YEAR to sort out the mess (Source: FTC).

Did you also know that even famous multi millionaires like Bill Gates, Tiger Woods, Oprah Winfrey, Steven Spielberg and Donald Trump have all been attacked by identity thieves.....

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Have you heard about the Government computer stolen....

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Scholarships for Grown Ups-part two

$50,000 to Attend Graduate School
Program Name: Jack Kent Cooke Foundation Graduate Scholarship Program
Amount (Max): $50,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For college seniors or recent graduates to attend graduate or professional programs.
Contact: Jack Kent Cooke Foundation, 44325 Woodridge Parkway, Lansdowne, VA 20176; 800-498-6478; Fax: 703-723-8030; www.jackkentcookefoundation.org/jkcf_web/content.aspx?page=Grad; Email: jkc-g@act.org
Application: www.jackkentcookefoundation.org/jkcf_web
/content.aspx?page=GrAppMat&_redir=643

Education Grants for Family Members of 9/11 Victims
Program Name: Jack Kent Cooke Foundation September 11th Grant Program
Amount (Max): $120,000 ($15,000 per semester)
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For spouses and dependents of victims of September 11th or the 2001 anthrax attacks currently enrolled in college or trade school who demonstrate financial need.
Contact: Jack Kent Cooke Foundation, 44325 Woodridge Parkway, Lansdowne, VA 20176; 800-846-9025; Fax: 703-723-8030; www.jackkentcookefoundation.org/jkcf_web/content.aspx?page=Sept; Email: jkc@jackkentcookefoundation.org
Application: www.jackkentcookefoundation.org/jkcf
_web/content.aspx?page=SEAppMat&_redir=393

Up to $30,000 to Study Longer
Program Name: Jack Kent Cooke Foundation Undergraduate Transfer Program
Amount (Max): $30,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For students and recent alumni with a 3.5 or higher GPA from community colleges or two-year institutions that transfer to and will pursue bachelor's degrees at four-year institutions.
Contact: Jack Kent Cooke Foundation, 44325 Woodridge Parkway, Lansdowne, VA 20176; 800-498-6478; Fax: 703-723-8030; www.jackkentcookefoundation.org/jkcf_web/content.aspx?page=UnderG; Email: jkc-u@act.org
Application: www.jackkentcookefoundation.org/jkcf
_web/content.aspx?page=4425324&_redir=706

$5,000 to Pay for College Housing or Tuition
Program Name: Christermon Foundation and the Beverage Industry Scholarship Program
Amount (Max): $5,000
Income Requirements: None
Geographic Requirements: California
Other Requirements: For children, grandchildren or legal guardians of persons currently proprietor of, or employed full-time with, an individual or company holding a valid California liquor license. Can be community college transfer students.
Contact: Christermon Foundation, 9 Orchard Road, Suite 100, Lake Forest, CA 92630; 949-837-5291; Fax: 949-837-9481; www.christermon.com/scholarship/; Email: information@cfsc.occoxmail.com
Application: www.christermon.com/scholarship/applications.php

$60,000 Scholarship Grants for Outstanding College Students
Program Name: Two Ten Scholarships Program
Amount (Max): $60,000 ($3,000 per year for four years or $15,000 per year for four years for exceptional students)
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For students who are affiliated (themselves or through family) with footwear, leather or related industries.
Contact: Two/Ten International Footwear Foundation, 1466 Main Street, Waltham, MA 02451; 800-FIND-210, ext. 1503 or 781-736-1510; www.twoten.org; Email: scholarship@twoten.org
Application: www.twoten.org/Scholarship/Entry.aspx

Money to Learn a Foreign Language
Program Name: Blakemore Freeman Language Grants
Amount (Max):Varies
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Must be pursuing an academic, professional or business career that involves the regular use of a modern East or Southeast Asian language. Refresher Grants are available to professionals.
Contact: The Blakemore Foundation, 1201 Third Avenue, Suite 4800, Seattle, WA 98101-3266; 206-359-8778; Fax: 206-359-9778; www.blakemorefoundation.org/index.htm; Email: blakemore@perkinscoie.com
Application: www.blakemorefoundation.org/Application.htm

Scholarships up to $28,000 for Gay & Lesbian Students
Program Name: The Point Scholarship Foundation
Amount (Max): $28,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: All Point Scholars sign a Contract of Excellence, agreeing to maintain at least a 3.5 GPA, speak at The Point Foundation's (TPF) events, and give back to the LGBT community through completion of an individual service project.
Contact: Point Foundation, P.O. Box 11210, Chicago, IL 60611; 866-33-POINT (866-337-6468); Fax: 866-397-6468; www.thepointfoundation.org/scholarships.html; Email: applicationinfo@pointfoundation.org
Application: www.thepointfoundation.org/apply.html

$10,000 Scholarships for Young Adults
Program Name: Susan G. Komen Breast Cancer Foundation College Scholarship Program
Amount (Max): $40,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For young adults under age 25.
Contact: Susan G. Komen Breast Cancer Foundation, Attn: College Scholarship Program, 5005 LBJ Freeway, Suite 250, Dallas, TX 75244; 972-855-1616; Fax: 972-855-1640; www.komen.org; Email: collegescholarships@komen.org
Application: www.komen.org/stellent/groups/public/@dallas/documents/-komen_site_documents/2007scholarshipapplication.pdf

Over $46,000 Fellowships for Law Students
Program Name: Skadden Fellowship Program
Amount (Max): $46,000 +
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For graduating law students to work in public interest organizations and donate pro bono services.
Contact: Skadden Fellowship Foundation, 4 Times Square, Room 40-228, New York, NY 10036; 212-735-2956; www.skaddenfellowships.org
Application: www.skaddenfellowships.org/content/siteFiles/
FellowshipApp.pdf

Scholarship Money to Continue Your Education
Program Name: Coca-Cola Two-Year Colleges Scholarship Program
Amount (Max): $20,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Nominees may be first and/or second year students planning to continue their education at a two-year institution and may not be children of Coca-Cola employees.
Contact: Coca-Cola Two-Year Colleges Scholarship Program, P.O. Box 1615, Atlanta, GA 30301; 800-306-2653; www.coca-colascholars.org/cokeWeb/jsp/scholars/OtherScholarPrograms.jsp
Application: www.coca-colascholars.org/cokeWeb/jsp/scholars/
TwoYearInstructions.jsp

Over $12,500 in Scholarships for Abused Women
Program Name: R.O.S.E. Scholarship Program
Amount (Max): $12,500 +
Income Requirements: None
Geographic Requirements: Any college or university in New England.
Other Requirements: Applicants must be nominated.
Contact: The R.O.S.E. Fund, Inc., 175 Federal Street, Suite 455, Boston, MA 02110; 617-482-5400; Fax: 617-482-3443; www.rosefund.org/programs/scholarship.asp; Email: info@rosefund.org
Application: www.rosefund.org/programs/scholarship.asp

$200 to Take the GED
Program Name: GED Jump Start Scholarship
Amount (Max): $200
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For Child Nutrition Association members for GED classes, study materials, test fees, child care and transportation.
Contact: Child Nutrition Foundation, 700 S. Washington St., Suite 300, Alexandria, VA 22314; 800-877-8822, ext. 104; www.schoolnutrition.org/Index.aspx?id=1043; Email: sbleifield@schoolnutrition.org
Application: www.schoolnutrition.org/uploadedFiles/ASFSA/
continuinged/assistance/GEDapp05-06(1).pdf

$15,000 to Study Violence and Aggression
Program Name: Harry Frank Guggenheim Foundation Dissertation Fellowships
Amount (Max): $15,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For individuals who will complete the writing of a dissertation within the award year on subjects related to violence, aggression and dominance.
Contact: The Harry Frank Guggenheim Foundation, 25 West 53rd Street, New York, NY 10019; 646-428-0971; Fax: 646-428-0981; www.hfg.org/df/guidelines.htm; Email: hfgacf@aol.com
Application: www.hfg.org/df/application.htm

Truck Stop Employees Get $2,500 to go to School
Program Name: Bill Moon Scholarship Program
Amount (Max): $2,500
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Students must plan on enrolling on a full-time basis in postsecondary studies at an accredited school.
Contact: The NATSO Foundation, 1737 King Street, Suite 200, Alexandria, VA 22314; 888-275-6287 or 703-549-2100, ext. 8561; Fax: 703-684-9667; www.natsofoundation.org/scholarship/index.php; Email: foundation@natso.com
Application: www.natsofoundation.org/scholarship/application/

Over $14,000 for Graduate Students
Program Name: Graduate Scholarship Competition
Amount (Max): $14,000 +
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For full-time graduate students in communication sciences and disorders.
Contact: American Speech-Language-Hearing Association Foundation, 10801 Rockville Pike, Rockville, MD 20853; 301-897-5700, ext. 4314; Fax: 301-571-0457; www.ashfoundation.org/Foundation/grants/graduate
_scholoarships.htm; Email: ediaz@asha.org

$33,000 + Tuition for Education
Program Name: Hertz Foundation's Graduate Fellowship Award
Amount (Max): $165,000 ($33,000 per year for up to five years)
Income Requirements: None
Geographic Requirements: Must attend one of these schools: www.hertzfoundation.org/schools.shtml
Other Requirements: For graduate work leading to award of the Ph.D. degree in applications of the physical sciences.
Contact: Fannie and John Hertz Foundation, 2456 Research Drive, Livermore, CA 94550; 925-373-1642; Fax: 925-373-6329; www.hertzfoundation.org/awards.shtml; Email: askhertz@hertzfoundation.org
Application: www.hertzfoundation.org/application.shtml

Scholarships for Grown Ups

Higher education is an important tool for all of us to succeed in today's America. The idea of education and training can be very daunting due to the high costs, and also because "education" is often aimed at youth. The following programs are proof that you don't have to be a high school senior to take advantage of scholarships, grants, and other money assistance to go back to get your degree or to even take some basic training courses. Adults can get $2,500 to go back to school. Women over the age of 45 can receive up to $5,000 to get an education. In Indiana, adult students can get up to $25,000 to help them with college. There is money for men, women, people studying business, people who are unemployed, people who have had life changing experiences, and more.

You can find more programs on the federal level (Catalog of Federal Domestic Assistance: www.cfda.gov), the state level (every state has grants and other money available for higher education. Look for the state office of higher education. You can find them by dialing 411 and asking for your state capitol operator or by going to the web at www.govengine.com and clicking on your state) and local level (there are hundreds of directories you can look at; just go to your local library or bookstore and check them out).

There is also a free information clearinghouse, which offers free research either on the web or on the phone on any education topic, such as scholarship and financial aid for returning, non-traditional students: Education Resources Information Center (ERIC), 800-LET-ERIC (538-3742), www.eric.ed.gov.

No SATs Tests for Adults

One of the benefits of being an older student is that many schools do not require you to take the SAT or any other entrance exams, especially if you have been out of school for a long time. However, you should check with the school you want to attend. Each school will have their own requirements and even if they do not want you to take an SAT test, they might want you to do other aptitude tests in things like math and writing.

350 Colleges You Can go to for Free if You're 55-60

Believe it or not, more than 350 colleges and universities all across the country have special programs for adults who are interested in going back to school. This often means free or low-cost tuition, discounts on fees and books, and even special deals on housing. Anyone interested should contact the school they wish to attend to find out how to apply for a discount or waiver. Some limitations and restrictions may apply.

Over 100 Examples of Scholarships for Grown Ups

Listed below are a number of programs that can provide free money and help for your returning to school. If you are interested in thousands of additional programs like those presented below go to our Government Money Club at (www.myamericanbenefitsplan.com/trialregister704.php)

Over $140,000 to Help You Become a Chef
Program Name: Culinary Trust Scholarship Programs
Amount (Max): $5,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For the educational pursuits of beginning and/or currently enrolled culinary students as well as long-time culinary professionals seeking funding for continuing education and/or conducting independent study and research.
Contact: The Culinary Trust, 304 W. Liberty Street, Suite 201, Louisville, KY 40202; 502-581-9786, ext.264; Fax: 502-589-3602; Find Out More Here.

Scholarships So Single Moms Can go Back to School
Program Name: Scholarship For Continuing Education
Amount (Max): Varies
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Available to single parent women who would like to go to school or continue with their education, but have been denied sufficient resources.
Contact: Raise The Nation, P.O. Box 8058, Albuquerque, New Mexico 87198; 1-505-265-1201; Find Out More Here.

$7,500 to Study Math and Science
Program Name: Barry M. Goldwater Scholarship Program
Amount (Max): $7,500
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Must be college junior or senior studying math, science or engineering.
Contact: Barry M. Goldwater Scholarship and Excellence In Education Foundation, 6225 Brandon Avenue, Suite 315, Springfield, VA 22150-2519; 703-756-6012; www.act.org/goldwater/; Email: goldwater@act.org
Application: www.act.org/goldwater/yysnm.html

$25,000 Fellowships for Jewish Students
Program Name: Wexner Graduate Fellowships
Amount (Max): $75,000 ($25,000 each year for up to three years)
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Must be a college graduate who plans to pursue a career in the Jewish community.
Contact: The Wexner Foundation, Office of the Graduate Fellowship Program, 8000 Walton Parkway, Suite 110, New Albany, OH 43054; 614-939-6060; Fax: 614-939-6066; www.wexnerfoundation.org/
Application: wexnerfoundation.org/GFA/Fellowship_Eligibility.aspx and wexnerfoundation.org/Foundation/ (register here to apply online)

$37,000 Per Year to Get a Grad Degree
Program Name: STAR (Science to Achieve Results) Fellowship Program
Amount (Max): $37,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For master's and doctoral level students in environmentally-related fields of study.
Contact: U.S. Environmental Protection Agency, Ariel Rios Building, 1200 Pennsylvania Avenue, NW, Washington, D.C. 20460; 202-343-9656 or 800-490-9194; http://es.epa.gov/ncer/fellow/; Email: 2007FellowshipsRFP@epa.gov
Application:es.epa.gov/ncer/rfa/2007/2007_star_fellow.html#APPLICATION or es.epa.gov/ncer/rfa/forms/

$27,600 Per Year to Get a Higher Degree
Program Name: DHS Scholarship and Fellowship Program
Amount (Max): $27,600 ($2,300 per month for up to 12 months)
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Must be getting your graduate degree in the physical, biological, social, or behavioral sciences.
Contact: U.S. Department of Homeland Security, 245 Murray Drive, SW., University Programs, Washington, DC 20528; 202-282-8000; www.orau.gov/dhsed/; Email: dhsed@orau.gov
Application: www.orau.gov/dhsed/FellowsApplic2006.pdf

$14,000 Scholarship to Further Study Science
Program Name: DHS Scholarship and Fellowship Program
Amount (Max): $14,000 ($1,000 per month for up to 9 months and $5,000 for 10-week internship)
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Must be getting your degree in the physical, biological, social, or behavioral sciences.
Contact: U.S. Department of Homeland Security, 245 Murray Drive, SW., University Programs, Washington, DC 20528; 202-282-8000; www.orau.gov/dhsed/; Email: dhsed@orau.gov
Application: www.orau.gov/dhsed/ScholarsApplic2006.pdf

$80,000 for Students from Disadvantaged Backgrounds
Program Name: National Institutes of Health (NIH) Undergraduate Scholarship Program (UGSP)
Amount (Max): $80,000 ($20,000 per year up; can be renewed up to four years)
Income Requirements: up to $19,600 per person
Geographic Requirements: Nationwide
Other Requirements: Must be committed to careers in biomedical, behavioral, and social science health-related research.
Contact: Undergraduate Scholarship Program, National Institutes of Health, 2 Center Drive, Room 2E24, MSC 0230, Bethesda, MD 20892-0230; 888-352-3001; Fax: 301-480-3123; http://www.ugsp.nih.gov/home.asp?m=00; Email: ugsp@nih.gov
Application: www.ugsp.nih.gov/application_center/application
_center.asp?m=02&s=01

$30,000 to Attend Any College
Program Name: Harry S. Truman Scholarship Program
Amount (Max): $30,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: For college juniors who are preparing for a career in public service.
Contact: Harry S. Truman Scholarship Foundation, 712 Jackson Place, NW Washington, DC 20006; 202-395-4831; Fax: 202-395-6995; www.truman.gov/; Email: office@truman.gov
Application: www.truman.gov/candidates/candidates_show.htm
?cat_id=777&doc_id=246903 (sample applications)

$24,000 to Study Environmental Policy
Program Name: Morris K. Udall Fellowship Program
Amount (Max): $24,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: Recipients must be in the final, writing year of their Ph.D. work in the areas of environmental public policy or environmental conflict resolution.
Contact: Morris K. Udall Dissertation Fellowship Program, 130 South Scott Avenue, Tucson, AZ 85701-1922; 520-901-8500; Fax: 520-670-5530; www.udall.gov/udall.asp?link=400; Email: curlin@udall.gov
Application:www.udall.gov/udall.asp?link=403

$40,000 Per Year for Graduate School
Program Name: Scholarship For Service Program
Amount (Max): $40,000 ($12,000 stipend + costs for books, tuition, room and board)
Income Requirements: None
Geographic Requirements: List of participating institutions: hwww.sfs.opm.gov/ContactsPI.asp?p=st
Other Requirements: Students agree to work for the Federal Government for a period equivalent to the length of the scholarship or one year, whichever is longer.
Contact: Scholarship For Service Program Office, 8610 Broadway, Suite 305, San Antonio, TX 78217; 210-805-2423, ext. 506; www.sfs.opm.gov/; Email: sfs@opm.gov

$10,000 to Study the Law
Program Name: Frederick B. Abramson Public Interest Fellowship Award
Amount (Max): $10,000
Income Requirements: None
Geographic Requirements: Nationwide
Other Requirements: The recipients must commit to at least one year's employment with a non-profit organization in the District of Columbia.
Contact: The Frederick B. Abramson Memorial Foundation, 1050 Connecticut Avenue, NW, Suite 200, Washington, DC 20036; 202-828-5120; Fax: 202-828-6490; www.abramsonfoundation.org/fellowship/index.shtml; Email: info@abramsonfoundation.org
Application: www.abramsonfoundation.org/fellowship/fellowshipform.shtml