More Scholarships equals Less Loans

More Scholarships equals Less Loans

Cheap original soccer cleats my daughter is a Junior at St John’s University in New York City. $24,400 x 3 = $72,000 over 3 years (according to my calculations). So where did the other $10,012.36 come from?FEES New Student Fee, University General Fee, Student Activity Fee, Late Payment Fee, ID Card Replacement Fee, A/R Interest (what’s that?).

And this doesn’t even include books (which average about a hundred bucks each), food, transportation or room and board. cheap original soccer cleats And she doesn’t even live on campus.

According to St John’s University the cost of attendance nike mercurial cr7 for the 2007 2008 Academic Aid Year will be:

Books and Supplies. $1,000.00

Fees $640.00

Total: A Whopping $33,440.00Her grades are pretty good All A’s and a couple B’s. You’d think she could get some grants and scholarship money since she’s a good student. Well, she can. But not $33,440.00 worth.

Which means the balance will have to come from loans. By the time she graduates, she AND I, will be up to our eyeballs in student loans and debt.

Now I don’t know about you, but it took me years and years to pay off my own student loans. Now I have to start all over again by taking out Parent Plus Loans to help pay for my daughter’s education.

So, what’s the solution? The solution is MORE SCHOLARSHIPS. More Scholarships = Less Loans.

College is more expensive than ever. The scholarships you win can change your life forever.

Example If you can pull off a $5,000 scholarship, that’s $5,000 less in student loans you have to take out. A $5,000 student loan means 10 YEARS of paying about $100 a month EVERY MONTH!Instead of paying that money to the government in the form of student loan repayment, you could save about $12,000 or so for your retirement.

Assuming a modest 8 percent rate of appreciation, that $12,000 can easily grow nike mercurial cr7 to over $120,000 in 30 years. In 40 years, it’ll grow to over $260,000!That’s a serious life style change. And that’s just for a small $5,000 scholarship. Just imagine what a $10,000, $20,000 or more in scholarships can do for your lifestyle.

Billion$ of dollars are available in scholarship money. But the irony is that most students (and their parents) don’t know where, and more importantly HOW to apply for scholarship money.

Here are a few tips on writing your scholarship essay.

1) Heavy emphasis is placed on “work ethic, Whether you work hard in the home with “family responsibilities” or are involved in cheap original soccer cleats student organizations or are on the varsity sport field, you have to “Tell Your Story,

Otherwise, the scholarship committee doesn’t know. And if you are facing hardships, the key to winning the scholarship is the part where you turn it around and talk about how you are overcoming the cheap original soccer cleats hurdles to achieving your goals, (not by telling a sob story).

2) Scholarship committees like it when you’ve helped people. Most scholarships go to those students who spend time by helping other people, whether through a job, work outside the classroom or volunteer work.

3) When possibe, go into detail. Although most scholarship essays have word limits of some kind, don’t summarize the most telling parts of your story. Describe it passionately and give as nike mercurial cr7 much detail as space permits.

4) Use a high quality paper.

This may sound a little mundane but consider this 95% of all essay papers received have been printed on “copy paper” cheap original soccer cleats.