Scholarships, Grants, and Loans – What’s the Difference?

10245170 s Scholarships, Grants, and Loans – Whats the Difference?

Understanding Scholarships, Grants, and Student Loans

Just about every graduate student needs some kind of assistance to pay for college. There are several types of financial aid for grad school that you might use to fund your degree. It is your job to select the right kind of aid for your school, degree, and financial status. Let’s take a closer look at the difference between scholarships, grants, and student loans so you can figure out which option is right for you.

What Are Scholarships?

Scholarships are the ideal forms of financial aid because you don’t have to pay them back. You can get a scholarship based on your grades, income, lifestyle, race, religion, major, talent, or anything else along those lines. Most scholarships are available through clubs and private organizations, but you can sometimes find them through businesses or individual people. No matter what you get, you won’t have to pay any of the money back

What Are Grants?

Grants are like scholarships in the sense that you do not have to pay them back. Most of these are funded through the government, like the well-known Pell Grant. However, there are plenty of private parties that issue grants as well, and most of them do so based on financial need. If you come from a low income household, this would be a great venue for you to explore.

What Are Student Loans?

Student loans should be considered your last source of financial aid. As the name implies, these loans have to be paid back. Most of them come with low interest rates, but they can quickly add up over time. If you get too many of them, you may actually end up way over your head in debt by the time you get out of school. Your income might be able to support that debt over time, but you will have to pay it no matter what until then. If you can get a grant or scholarship to pay for school, that would be the ideal option for you.

Note that there are many different forms of student loans, from private student loans to Stafford Loans from the government. The way you qualify for these loans and the way you go about paying them back will vary from one provider to the next. Make sure you understand all of the terms of your loan and your repayment program before you sign up for a long-term debt.

Other Forms of Financial Aid

There are other financial aid options to choose from, like fellowships or work study programs. Check out as many opportunities as you can to hopefully pay off your expenses in college. You can never have too much financial aid available to you, so you might as well apply for anything you possibly can. The more money you get, the better off you will be in the long run.

How to Win a Bowling Scholarship

Bowling 1024x768 How to Win a Bowling Scholarship

Make Money from Your Bowling Skills

Don’t you wish your bowling skills could get you more than trophies and local fame? If you apply for a bowling scholarship, they very well could. Bowling scholarships are set up by the Professional Bowling Association and independent bowling leagues to give promising bowlers a chance to get a good education. You don’t have to become a professional bowler to earn one, but you do have to meet certain academic and participatory requirements. Every bowling scholarship is a little different, so you need to check with the official rules before you apply to one. Here is a basic guide explaining how to win a bowling scholarship.

Find the Right Scholarship

You can apply for as many bowling scholarships as you want, but some may be more “up your alley” than others. (Forgive the corny joke there!) For instance, some bowling scholarships are set up in a tournament fashion, where applicants compete against each other just like they would in any other bowling tourney. If you are a really good bowler, this may be a perfect setup for you. If you are an amateur who just happens to love the sport, you may want to look for an essay contest or a bowling shirt design contest – something that does not require playing to win. Search your local bowling centers, bowling clubs, bowling leagues, and bowling associations for potential scholarship opportunities and then go through the steps to apply.

Maintain Your Grades

Even though bowling scholarships aren’t specifically set up for academics, many of them do require you to have good grades to qualify. You may be 16 years old with a 230 average, but having a 2.0 GPA won’t get you anywhere. The scholarship committee wants to see that their money is going to be put to good use. Thus you need to prove yourself beyond the lanes. Don’t lose track of your school work, and hopefully you’ll have the grades to win a bowling scholarship.

Practice Your Game

If you are going to enter a tournament style bowling scholarship contest, you need to practice as much as possible. See if you can work something out with your local bowling alley to practice without paying every time you use the lanes. Some bowling centers will give you free play opportunities if they know you’re working toward a scholarship. Play in bowling leagues and go out with friends as often as possible in preparation for the big day.

Apply Often and Early

Since there are a lot of bowling scholarships that come up, you need to apply to as many of them as you can. The earlier you start, the more chances you will have. Once you get a feel for how these scholarships work, you’ll be able to dominate every time you try to get one. Hopefully you win a ton of money for your tuition.

Don’t Stop at Bowling Scholarships!

Chances are bowling isn’t your only skill, and even if it is, you shouldn’t limit yourself to just filling out applications for bowling scholarships. Check out other financial aid opportunities that you may qualify for so you can diversify your options and generate as much income as possible.

Using YouTube to Make Money Online

youtube Using YouTube to Make Money Online

Learn How to Make Money on YouTube

Surely you have heard of YouTube by now and you know that you can use it to get a bunch of views for stupid videos online. What you may not realize yet is there are a lot of different ways that you can potentially make money through YouTube, even though it is free to use. There is no better satisfaction in life than getting money in return for using a free program. How you go about making money will depend on the type of videos you want to put out and the amount of time you want to devote to this process. Here are a few ideas to help you see the potential that YouTube could provide for you.

YouTube Partner Program

The Partner Program from YouTube is similar to Google Adsense. You can potentially get paid to have advertising around your videos. Any time someone clicks on an ad, you earn money in your account. If your videos go viral, that could lead to huge profits for you over time. Here is some information directly from YouTube that you can keep in mind about this option:

“Created in 2007, we now have 20,000+ partners from 22 countries around the world. Hundreds of partners are making six figures a year, and the number of partners making over $1,000 a month is up 300% since 2010.”

Sounds like a good setup to me!

Product Advertising

If you have a new product or service that you are trying to promote, you can get it out there through YouTube. Then you will be able to draw in potential customers that are interested in whatever it is you have to offer. This is a form of video marketing that can be used to generate direct revenue for your business. All you have to do is make a video about your product or service and get it out on the web. If you do this correctly, you should be able to make some pretty decent money from your YouTube videos.

Making Videos for Other People

If you have a good face, a good voice, or a good camera presence, you may be able to make money by filming videos for other people to use on YouTube. Look on online job boards like UpWork or Elance for video spokesperson work, or ask companies in your local area if they would like to pay you to make videos for them. You may only make $20 a video or so, but it may not take you long to do this. Once you become a highly sought after spokesperson, you can charge more money or potentially ask for a share of the profits from the videos.

Try to think outside the box, and you should be able to come up with a few options to make money through YouTube. With the amount of viewers this site has every day, there is bound to be a money-making option out there for you.

How to Make Money with CafePress

cafepress How to Make Money with CafePress

Using CafePress to Pay for College

CafePress is an online store that sells thousands of t-shirts, mugs, calendars, and other merchandise with custom designs from creative minds. If you have one of those creative minds or you simply want to explore new ways to make money online, this could be a great opportunity for you. There are several ways to make money through CafePress, whether you have a store on the site or not. You just have to know how to use it to your advantage. Here are some of the many ways you can potentially make money through CafePress.

Start a Store

Most people make money on CafePress by starting their own store. If you do this, you will basically have a section of the site to post products that you have designed. These products could include cool graphics, pictures, quotes, or whatever else you want. You just have to make sure the images you use are yours to sell because you could get in a lot of trouble otherwise. For every product you sell in your store, you will get a certain percent of the sales price. You don’t have to pay any money to do this. You just have to put up the products and promote them.

Create Designs for Other People

If you have a natural artistic talent, you could use it to make money on the side. Promote yourself to local businesses and see if you can create a new logo or line of merchandise for them. You can charge a flat fee for the design, or you could ask for a certain percentage of the sales they generate. The flat fee will provide you with guaranteed money, but the sales portion may yield more profits in the long run.

Note that you may be able to apply this idea beyond CafePress. Talk to a local screenprinting shop and see if they are in need of an artist. You could design products for their clients and get paid to do something you love. This is a more direct way of working that may provide better returns overall.

Become an Affiliate

If you do not want to make a store on CafePress, you can still earn money by promoting other stores. You could add a CafePress widget to a blog you run, or you could insert banners for the site on your personal website. Affiliates make a portion of the money earned from each sale as a result of their link. In other words, you will make money if someone clicks on your link and then buys something on CafePress. The more traffic you bring the site, the more money you have the potential to make.

You can become an affiliate for your own store if you want to, and that will allow you to make even more money from each sale. Explore some of the different options you have on the site, and you will soon see why so many people love selling their products on CafePress.

You Could Get Paid to Go to College

get paid You Could Get Paid to Go to College

How to Earn an Income from Your Financial Aid

Wouldn’t it be awesome to get paid to go to college? Believe it or not, that may not be such a crazy dream. If you get more scholarship money than you need for school, you will inevitably get money back to pay for your living expenses and other needs. There are plenty of college students who purely live off their financial aid, and they graduate debt free. Want to know how that process works? Read on to discover how to get paid to go to college.

Find Excessive Financial Aid

The key to getting paid to go to college is to apply for as many scholarships and grants as possible. Explore different types of scholarships you may qualify for, and set goals for the number of applications you complete per day or per week. The more effort you put into your scholarships, the less you will have to pay for school. Eventually, you will have leftover money that the school has to send you each semester.

Keep up Your Grades

Finding a lot of aid is not enough to keep you going through college. You need to make sure that you meet the requirements for that aid so you can continue to get paid in the future. One of the main components of this will be your grades. You cannot let your grade point average slip because that could mean losing one or two of your scholarships.. Find out what sort of requirements you need to abide by, and do everything you can to stick to those.

Set up Direct Deposit

If you do get paid to go to school, you will need a way to receive your money. You can wait for a check to come in the mail, but that will take a lot longer than a direct deposit. You can have the money automatically put into your bank account, saving you waiting time and check cashing time. Most schools will allow you to set this up online, so you just need to speak with someone in financial aid to figure out what you need to do. If everything works out well, you should be able to get most or all of your money before the semester even starts.

Get a Job

You may not see a reason to get a job if you are getting paid to go to school, but this will give you the work experience you need to get a job in the future. Plus, some scholarship committees will set guidelines that your spending has to follow. If you spend money in a way that is not in compliance with the rules of the aid, you could actually have your scholarships taken away from you. You need to have a job for any extra money that you want, like beer money or clothing money. With the right job and the right financial aid setup, you should be good to go for the entire time you are in college.

Avoiding Debt in College

college debt Avoiding Debt in College

Most college students have some kind of debt to cover after graduation. Some have more than others, but the vast majority will have bills to cover immediately when they get out of school. This can be an incredibly stressful experience for someone, especially if he or she is having trouble finding a job. Luckily, there are some ways students can avoid this pressure-filled debt and start their lives fresh. Here are a few tips to help you make sound financial decisions in school.

Get Scholarships and Grants

The easiest way to avoid going into debt will be to get financial aid to cover your costs. Scholarships and grants don’t have to be paid back at any time, and they can provide all the money you need to cover tuition, fees, supplies, and more. You can find scholarships online or through local organizations, depending on where you live. If you get more money than what you actually need, consider it an opportunity to save. You could literally get paid to go to college if you apply for the right amount of aid. It’s just a matter of being willing to do that.

Live at Home

Most students want to move out the moment they turn 18, but that move can come with a ton of financial responsibility. If you have the ability to live at home for just a few more years, you may want to do that to save money. Sure, you’ll have to follow some rules that you may not like, but you’ll be able to save in the process. The financial freedom you’ll get later on will be well worth the struggle.

If you cannot live with family because you are attending school in another area, try to live with roommates off campus. Most on-campus housing costs significantly more than something you may find a few minutes away. As long as you have adequate transportation to get to school, you can live affordably and still get through your degree.

Pay in Cash

When you pay for the things you need in cash, you are less likely to overdraft an account or spend more than you should. You only have a finite amount of money to work with, so you’re forced to control yourself. Those little plastic wonders are great for convenience, but they can also lead you into a lot of debt very quickly. It’s in your best interest to avoid them at all costs.

Learn to Live on a Budget

At the end of the day, you just have to consciously look at your finances and determine what you can and cannot buy. You may not have a big budget to work with, but it’s important to only live within your means. Do not be fooled by tempting credit card offers and loans that you may qualify for. They are not worth the headaches that comes later on. Establish a clean financial slate for yourself, and you’ll be much better off in the long run.

Can You Make Money on eBay? Part 2

ebay Can You Make Money on eBay? Part 2

Continued from Part 1

The Pros and Cons of Selling on eBay (Continued)

Profit Margins

Most people try to make at least a 50% profit on everything they sell, whether it’s a cell phone, a Christmas ornament, or something else along those lines. Obviously this percentage goes down as the value of the item goes up because you can’t expect to make 50% on a car. For many eBay sellers, the profits only add up to about 15%, which really isn’t enough to justify the time spent listing and shipping out the items. This all depends on the product, the season, and the state of the market, but chances are you won’t make much more than your overhead.

Of course, there are always ways to improve your profit margins. The bet plan to follow is to buy low and sell high. If you get items for super cheap from a garage sale, you may be able to turn them for a big profit on eBay. This process takes time though, so don’t expect to be rolling in the money overnight.

Customer Conflicts

If you sell items in a store, you can deal with your customers directly. You can tell them to get lost, or you can pay to cover whatever damage you may have done. You can do the same on eBay, but you have to go through customer service to do so. This department seemingly favors the buyers because they will often take their side instead of the seller’s. If you ship out an item to a customer that does not meet his or her expectations, you could be out all of the money for the shipping on the item, plus any PayPal fees you may have come across during the transaction. You may also have to pay for the return shipping if the buyer sends back an item, depending on how the case goes.

Shipping Rates

eBay rewards sellers who offer free shipping by putting their ads above similar ones. The only problem with this is that shipping can cost a lot of money. You might be able to save money with the flat rate boxes at the post office, but you are still going to have to pay for shipping in general. If you decide to ship items internationally, you will have to deal with a whole new set of fees. Add in the cost of bubble wrap, tape, receipt paper, and everything else, and you will soon see all of your profits flying away.

So, can you make money selling on eBay?

There is money to be made in this kind of business, but it is not necessarily easy to come by. It may be in your best interest to work in a traditional college job throughout the day and then reserve eBay for some side money. If you rely on it for a full-time income, you will have to sell a lot of products to make the kind of money you need. Keep all of the information above in mind as you start exploring your opportunities online, and you will be able to come up with an option that works for you.

Can You Make Money on eBay? Part 1

high school scholarship Can You Make Money on eBay? Part 1

The Pros and Cons of Selling on eBay

eBay used to be a site where people could put up their old junk and hope other people would bid on it. Nowadays though, it is actually a venue for money making online. If you have been looking for a new career at home, you may think about selling products on eBay. There are pros and cons that come along with this, so you need to be really careful about jumping into that kind of work. It may not be as profitable as you think it is. Here is an overview of the money you could logically make on eBay to determine if it is a good income source for you.

The Fees on eBay

There are tons of fees on eBay any time you make a post, more so than most people realize. Here are just some of the many fees that you could come across with your eBay business:

  • Posting fees: you have to pay a certain amount of money for posting an item on eBay, regardless of whether or not it sells. The more you do with the posting, the more money you will have to pay. Little things like adding a purple border to it or adding a Buy It Now option will boost the cost of your posting. If you consistently struggle to make a sale, you will be forced to pay out without making any money in return.
  • Selling fees: If you happen to sell an item on eBay, you will be charged with a percentage of the sale price. This is a sum of money on top of your posting fee. The value of your selling fee will depend on the cost of your item, but it will quickly eat away at your profits.
  • PayPal fees: If you manage your money through PayPal, you may have to pay a fee for the money you transfer. This will depend on the type of PayPal account you have and the amount of money that you are transferring from place to place. For instance, you may have to pay a fee to send your money to your bank account if you need it sent instantly. You can look into PayPal’s terms of use for more information on that regard.
  • Shipping fees: You will obviously have to pay money to ship out whatever item you sell. We will discuss this in greater detail in a section below, but just note that shipping is often more expensive than you think.
  • Taxes: On top of all of the fees above, you will have to pay taxes on the amount of money you make from eBay, assuming you turn this into a career. Self-employed taxes are 15.3%, so kiss 1/6 of your money goodbye from the start.

As you can see, there are a ton of costs that come along with selling items on eBay. You have to factor in all of those fees into the equation to determine just how much money you’ll make – if any – from your ads.

Continue to Part 2

Make Money with Arts and Crafts

make money Make Money with Arts and Crafts

How to Earn Money from Arts and Crafts

Want to make money from your artwork? It’s easier than you think! We’ve all heard stories of starving artists who never make it past poverty, but you don’t have to start your career there. Even if you’re a college student who enjoys crafting on the side, you may be able to earn an income from your creations. Here is a simple guide showing how to make money with arts and crafts.

Craft Shows and Trade Shows

Craft shows and trade shows give artists a chance to showcase their work with other artists. People are able to travel from booth to booth to see this work and potentially buy something they like. Some cities are great for craft shows, and others do not yield much profit at all. You can visit a show in your area and ask some of the booth owners if they do well there. If not, you may have to look into a different option on this list.

Note that having a booth at one of these shows will cost money. You will need to factor that into your pricing or subtract it from your final revenue.

Online Auctions and Websites

You can sell your arts and crafts projects online if you do not want to work from home. Note that there are fees involved with most craft sites and auction sites, and you will have to pay for shipping your items. The more delicate they are, the more they will cost to ship. You could use a basic site like eBay to hold auctions for your items, or you could set a “buy it now” price for them there. You could also use a site like Etsy, which is specifically designed for arts and crafts. Check out some of the products that are already on there and you will see what people are earning money from.

Consignment Stores and Thrift Shops

Consignment shops will allow you to sell items so that the owner of the store gets a certain percentage of the sales price. If you sell a $10 item on a 30% consignment, you make $7 and the shop owner makes $3. This covers his cost for housing the items and marketing his store, and it still gives you a chance to sell the things you make. Some thrift shops, interior design studios, pawn shops, and more will buy your items outright to sell in their stores. If you make jewelry, you may contact a local jeweler to see if he is interested in your products. The more you think outside the box, the better your opportunities will be.

Your Own Store

If you find out that your arts and crafts are rather successful, you may consider opening a shop for them. Running this will cost a lot of money, especially if you have to hire employees. If you work out the logistics though, this could be a fantastic way to support your family. Consider all of the ways you can make money with arts and crafts, and give one of them a try today.

Scholarship Tips for Parents

high school scholarships Scholarship Tips for Parents

Help Your High Schooler Pay for College

If you have a child in high school, you know how close college is for him. Your child may not be thinking about it now, but you probably worry about it every single day. For most parents, the fear is less about their child being accepted into college and more about finding a way to pay for it. That is where this little article might help you out. Here are some simple ways to help your high schooler pay for college if you are not able to do so on your own.

Pay for the PSAT

Encourage your child to take the PSAT in his junior year. This test will determine whether or not he is considered a National Merit Scholar. If your child is smart enough to become one of those individuals, you will not have to worry about financial aid whatsoever. Just about any college he applies to will offer him a full ride, including room and board. Study with your student to ensure his or her success on that exam. It will make a big difference in the future.

Apply Early for College

A lot of colleges will use a student’s admissions application as an application for scholarships issued through the school. Thus you could fill out a number of scholarship applications just by applying to schools. Granted, you will have to pay to apply to the schools, so be careful about which ones you choose. Make sure your child meets all of the entrance requirements before you waste your money on a pointless shot.

Convince Your Child to Get a Summer Job

At this point, your child should be old enough to work during the summer. He may not pull 40 hours a week like you do, but he should find a part time job at a store or restaurant. This will give your child money to spend on clothes, books, a car, housing – whatever the case may be. You can still provide for him as much as possible, but the extra income will take a little weight off your shoulders.

Look Everywhere for Scholarships and Grants

You can find scholarships just about everywhere, from the internet to local organizations. If you see a scholarship contest in your area, get your child to apply for it. If you have some free time on the weekend, look for opportunities online. While you’re there, fill out your child’s FAFSA to see if he qualifies for a Pell Grant. You could subscribe to popular scholarship blogs online and get news about financial aid sent right to your email account. You could even fill out no essay scholarships for your student without having him around. The more work you put into finding financial aid, the more your child will put in as well.

You can never have too much financial aid for college. Save whatever money you can on your own, and make a positive effort to find the rest of it with your kid. Make sure he does some of the searching too, just so you have the best possible chance of getting the money he needs for college. This will teach him good habits for when he gets out on his own.

 

Scholarships for Height, Weight, and More!

beautiful woman Scholarships for Height, Weight, and More!

Using Your Looks to Pay for College

The title of this post implies that we’ll be talking about beauty pageants and modeling, but that is far from the case. If you have a quirky trait related to your body’s exterior, you might be able to use it to pay for college. Those big ears from Grandpa Joe and that short stature from Great-Aunt Betsy could actually turn into positives if you give them a chance. Here is a look at some of the physical traits you could win scholarships for.

Height

Tired of being six inches taller than everyone around you? Don’t complain too much. That height could land you a Tall Clubs International Scholarship, which is specifically designed for the “giants” of the modern world. If you are a woman over 5’10” or a man over 6’2″, this could be a great opportunity for you.

On the opposite end of the spectrum, people with forms of dwarfism may qualify for the Little People of America Scholarships. There are different stipulations for different awards, but they’re all meant to give short people a chance to stand tall in college.

Weight

Being “big boned” may have gotten you made fun of in high school, but you can take all that pain straight to the bank. National Association to Advance Fat Acceptance Scholarships are designed to help overweight individuals fund their degrees. There are several scholarships to apply for, but you must be a member of the NAAFA to participate. If you are one already, this could be your chance at success.

Left Handedness

Did you make it out as a left-hander, despite those nuns trying to slap you in the wrist for it? Believe it or not, you could get a scholarship because of that. Juanita College offers the Fredrick and Mary F Beckley Left Handed Scholarship, specifically for people with dominating left hands. This might not be the first trait you would associate with a college scholarship, but it could help you cover part of your costs in school.

Hair Color

Proud redheads can turn their fiery follicles into cold-hard cash for college, thanks to The Scholarship for Redheads. This award is as simplistic as it sounds, made for people who were born with red hair. It is completely legitimate, and the prize money seems to grow every year. If you can prove your roots are ginger, you can apply for this scholarship.

Think about the physical traits that make you stand out, and then look for scholarships related to them. You might be surprised by the opportunities coming your way.

 

Frequently Asked Questions about FAFSA

FAFSa Frequently Asked Questions about FAFSA

A College Student’s Guide to the FAFSA

A FAFSA is a Free Application for Federal Student Aid, and it is something you will have to fill out every year if you want financial aid in college. Most grant holders require FAFSA information before releasing money to a student, but a lot of scholarship committees have started asking for the same. This begs the question: What is the point of a FAFSA? What does it tell other people that makes it so important in getting financial aid? Let’s take a look at this application a little more closely so you can learn why you have to fill out a FAFSA every year.

What Is FAFSA Used for?

For the most part, a FAFSA is meant to help the government establish how desperate your financial need is for college. They do this by assessing your tax information or the tax information for your parents. If you are married, this assessment will be based on the combined income levels of you and your spouse. If you are not, the assessment will be based on information from your parents. After assessing the different information from your tax returns, the government calculates an expected family contribution for you. The lower that number is, the more money you could get to pay for school.

How Do I Fill out a FAFSA?

You can fill out your FAFSA online or through a paper form you can get through your school. Most people just do the application on the web because it processes faster that way and is much more convenient to use. The site stores your information from previous years, so you don’t have to enter quite as much information year after year.

You can fill out your FAFSA without your tax information (or your parent’s income information), as well as personal data like your address and Social Security Number. Everything is thoroughly explained on the application, so you just have to fill out the sections one by one.

What Happens If I Lie on My FAFSA?

If you are thinking about lying on your FAFSA, don’t. Your information will be checked and double checked to determine authenticity. Your school may ask you to send in a copy of your tax forms, so there is no reason to say you made less money than you did last year. If you remain honest from the start, you will have the best chance at securing financial aid as a whole.

When Should I Fill out My FAFSA?

Some forms of federal aid are only available in limited quantities, so try to fill out your application as soon as possible. If you do not have your tax information yet, you can approximate your earnings or let the form do so from your previous year’s tax return. You can always go back and edit this later on. If you get your app in early enough, you could snag enough money to pay for most of your college education.

How Much Does a FAFSA Cost, and How Long Does It Take to Complete?

A FAFSA is free to fill out, and it should not take more than 30 minutes of your time. The first application is usually the most time consuming because you have to enter all of your information in by hand. Next year, most of this will be pre-filled for you, so all you have to do is update contact details, school info, income information, etc. Get started with your FAFSA right away, and you can lock in much-needed financial aid for college.

4 Businesses That Are Always Hiring

hiring 4 Businesses That Are Always Hiring

Businesses That Always Have Jobs Available

If you are tired of looking for a job, you are not alone. A few years ago, you could walk into just about any store and find an open position to fill. Now it seems more like job applications are lottery tickets than actual employment opportunities. Before you get incredibly discouraged about this process, you may want to figure out which businesses always need workers. Then you can at least fill out apps for those places and hopefully land a job. Here are a few businesses that seem to always have jobs available.

Pizza Places

Pizza places are always looking for delivery drivers and cooks to work in the back. If you have a Pizza Hut, Domino’s, Papa John’s, or something else like that in your area, you should have no trouble finding work within it. These types of jobs only pay minimum wage usually, but they are in demand at all times. That is because most people do not last long in them. They get tired of working long hours for minimal pay, and they find something else to do. You could use this as a temp job while you go in search of something better. At least it will put some money in your pocket.

24 Hour Stores

Stores that are open 24 hours a day are almost always looking for people to work the night shift. Most people only want to work the standard 9-5 schedule, so they will not take a shift that lasts form 3 AM to noon. If you can take over some of the odd hours for a business, you may get paid more money and have no trouble getting a job. Sure, your schedule will be a little off, but that is a sacrifice you may just have to make. Otherwise, you’ll just need to get used to not having a paycheck.

Carwashes

Most carwashes do not have attendants on duty, but there are a few that do. If you know of a car wash in your area that has an attendant working at it periodically, you may be able to find a job doing that. This is especially true if you are willing to work over the weekends because that is the time when most places have a hard time finding employees. You’d be amazed by the kinds of opportunities out there if you look around.

Ticket Booths

Ticket booths for parking lots and other facilities are usually in need of workers because of the monotony of the job. Most people do not want to sit in a box all day counting change, so there are always positions like this available. If you have a toll booth system where you live, you may be able to make money as a toll booth operator. It just depends on what your options are.

Take a look around at the businesses in your area, and think a little outside the box with your applications. If you open your mind at the right time, you may be able to snag a job when you least expect it. There is nothing wrong with working an odd job until you can find your dream position after college.

Making Sure Your Financial Aid Arrives on Time

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How to Get Your Scholarship Money Fast

A lot of college students use their financial aid as a source of income or a way to pay for all the school supplies they have to buy each semester. If you are one of those students, you need to make sure that your financial aid money comes in on time. You can’t just assume that it will all come in properly and get sent directly to you like it is supposed to. That rarely happens. Most of the time, you have to check in on the aid in order for it to get to you as quickly as it possibly can. Listed below are some ways you can go about checking on your financial aid to ensure that it arrives when you need it.

Check the Forms You Need for Your Aid

Every scholarship and grant that you apply for is going to have different paperwork that you have to turn in. On top of all that, the school you attend will also have forms that you need to fill out. Try to talk to the scholarship committees and the school you are working with to make sure that you have everything filled out from the start. Otherwise, you may end up missing that one form that you need to get your financial aid money on time.

Apply for Scholarships Early

We emphasize this step pretty often around here, but that is because it has such a big impact on your ability to pay for college. By filling out your applications early on, you can give yourself the best chance at getting financial aid fast. Some scholarships take longer to pay out than others, so if you have a lot of them coming in, chances are at least a couple will arrive in time for you to pay for your supplies.

Check the Status of Your Aid Regularly

It’s important that you stay on top of the financial aid department in order to get the funds you need. They are busy, and it is hard for them to process everything in a timely manner without a little pressure from you. You don’t have to talk to the people long, but you need to make sure that everything is going well with your paperwork. This gives you a chance to have new people look at your account so that you can make sure that you have everything you need in place. One person may catch something that the other person missed, so you have to make an effort to check in on things. If you ask the right questions to the right person, you will be able to start the process of getting his financial aid for the semester.

Focus on the Small Details

If you have to fill out a form for your financial aid, make sure you fill out every single little piece of information you need on the form. All it takes is one tiny missed detail for the scholarship money to get delayed or even declined. If you have to fill out a new form, you may need to have your application reviewed all over again. Avoid the stress and get everything right the first time.

 

Rent Your Textbooks and Save Big Money!

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How to Save Money with Textbook Rentals

If there is one thing that college students hate more than midterms, it’s paying outrageous prices on textbooks. If you are tired of paying for your textbooks, you may consider renting your books instead. There are tons of websites and stores that have textbook rental programs nowadays, and any one of them could help you save money on your education. You just have to know how to use their services to your advantage.

How Textbook Rentals Work

Every textbook rental program follows the same basic process. You pay for a small portion of the textbook you need and have it delivered right to your door (unless you pick it up in a store). You can use the textbook throughout the semester just like you want to. Write on it, bookmark it, sleep on it, or do whatever else you need to do with the book. Then when classes are over, you simply send the book back to the place you got it from and order another set of books for next semester. This is the same as any other rental program, but this could actually help you land a career in the future.

The Cost of Renting Textbooks

The price you pay for a textbook rental will depend on the book you need. Some books are in higher demand, or they are more abundantly available. If you need an expensive, rare book that is in high demand, you’re going to pay a pretty hefty price to get the book. This will be less than what you would pay for it outright, but it will still be more than you would pay for a cheap book that the store has a million copies of.

You will pay more for new textbook rentals than you will for used textbook rentals. Most rental companies make all of their money for the books within the first two or three rentals, and then the remaining rental periods are just profit for them. That is why you can get a cheaper book after the company has had it for a bit. If you want the lowest price possible on your textbooks, you need to find a used rental for every single class you take. This may not always be an option, but it is something to consider.

Where to Rent Textbooks from

There are several venues you can go to when you want to rent a textbook. Most people first turn to the internet because it usually has the lowest prices and the widest selection. The most popular textbook rental site online is Chegg because it has a huge selection to choose from, and it usually has the best prices around. If it doesn’t have the best prices, it has a coupon code somewhere online to reduce the cost lower than anyone else. Chegg is also unique because it has a tree planting program, where you can basically use the trees you saved by renting rather than buying to grow a new forest somewhere in the world. Chegg plants a tree or several in your honor, which can lead to an odd sense of accomplishment that you may not get with another rental program.

Aside from Chegg and other sites like it, you can also contact local book stores to see if they have any rental programs for you. Most college bookstores have started doing this for books that come in demand year after year. You may still have to buy one or two of your books outright, but that beats the heck out of buying all of them. No matter where you choose to go, you will save a ton of money through the textbook rental process.

Ways to Make Money with a Blog

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How to Make Money Blogging

If you are a college student living on a tight budget, you may want to consider running a blog to make money. This is not going to happen overnight, but it could potentially provide you with a little extra money in your pocket. Here are a few steps you could take to turn your free blog into a money maker.

Affiliate Advertising

One of the easiest ways to make money with a blog is to find sites that you can affiliate with. A lot of websites will offer affiliate programs where you essentially promote their sites in exchange for money. You may post a banner or a link to the site on your blog, and then you can get paid every time someone clicks on the link and actually uses a website. For instance, look at the ads on the right side of KrazyCouponLady.com. Any time you click on one of those, the blog owners get a small amount of money. Some of the best online universities offer programs like that for you to make money through, where you get paid for sending students to their school. Explore your options, and see what sort of affiliates you could hook up with. As long as you pick ads that are relevant and not too overbearing, you could make some decent money with affiliate marketing.

Google Adsense

Google Adsense is a program that allows you to put links for other sites on your site and get paid per click those links get. This is one of the most popular ways that free websites generate revenue, and the fact is that it works. The advertisers only pay for the leads they get, and you get paid for the traffic you send their way. If you have a decent number of readers, you can bring in great passive income just in Adsense. You might even be able to find an add-on for it in your blog’s administration panel, depending on the platform you use for your blog. You just have to look around at your options.

Link Backs

Some sites will actually pay you just to put a link to their site in one of your posts. This usually happens after your blog has gotten a little popular as people want to gain access to your audience. If you have a relatively successful blog at the moment, you may want to look around for paid backlinking programs you could enroll in. You might actually be surprised how many of those are in the writing jobs and gigs sections of Craigslist. Look there for people wanting to promote themselves on your site, and you may be able to snag some extra money just by putting a link into a post.

Running Someone Else’s Blog

You can earn a living online just by writing for other people’s blogs. You will need to have a decent grasp of the English language in order to do this, but once you get the hang of it, you can bring in vastly more than minimum wage just by typing at your computer. If you enjoy blogging and want to make it more than just a hobby, you could look for jobs on UpWork or other freelancing websites to make a living just writing words on a page. Get creative with your money search and you will find a profitable solution in no time.

How to Spot Scholarship Scams

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“You’re an instant winner! Claim your free $50,000 scholarship right now!*

*Disclaimer: We will need a copy of your social security card, birth certificate, bank account records (with numbers), and your soul to process payment.

It’s easy to fall for a scholarship scam when you’re desperate for money to pay for college. Most of them aren’t as obvious as the example above, but they include the same warning signs you need to look for. Take off the rose-colored glasses and put on your skeptical spectacles. You’ll soon be able to see what sorts of scholarships you need to avoid. Here are five ways to spot scholarship scams before signing your life away.

Give Money to Get Money

No legitimate scholarship offer is going to ask you to put forth money in exchange for money. If you have to pay a “processing fee” or an “acceptance fee,” you’re going to get scammed. Those people will take your money or your credit card information and go to town at your expense. You should be particularly careful about scholarship offers you never even applied for, as those are usually the ones that just pulled your information out of a database. Think logically before giving out any payment information.

Send Part of Your Money Back

Another scam that is becoming popular nowadays is the “We’ll send you a check and you’ll send part of it back” offer. In this case, a supposed scholarship committee will issue a check directly to you, requesting that you send part of it back to them to cover some sort of expense. All these people want to do is get the money and stick you with the bounced check fees from your bank. You’re the one taking on all the risk at this point. The vast majority of scholarship committees will send the money directly to your college, so try to stick with those.

Transfer Money to Your Credit Card

Have you ever been asked for your credit card information, even if it had nothing to do with the scholarship? That my friend is a scam. Some companies claim that they will deposit money onto your credit card, rather than sending you a check in the mail. The offer seems tempting, but it’s just a way for them to get your card information. The same theory goes for scholarship committees who ask for your PayPal information. Don’t give out this kind of information when it just doesn’t fit the opportunity.

Do Nothing to Get a Full Ride

If a scholarship seems like it is blatantly too easy to win, chances are it is. That doesn’t mean that you can’t find genuine no essay scholarships in the world. There are plenty of them out there. The catch is that those awards are $500 – $2,000, not $50,000. You can apply for easy scholarships all you want, but make sure the award values match the amount of work you put into them. You’ll be able to tell if things don’t add up.

Click 20 Links to Make $20,000

Perhaps the most frustrating scholarship scam of all is the one that makes you click on the links to a million different websites before you can get to (or complete) your application. A lot of sites make money from affiliate marketing, so every click you give them is just more money in their pockets. At the end of the huge journey, you find out that the scholarship is no longer available or “Unfortunately, you weren’t selected as an instant winner.” This is all a waste of time.

Be cautious the next time you want to apply for scholarships. You should keep your options open, but don’t get gypped in the process. If something sounds too good to be true, it probably is. Stay far, far, far away from it.

 

5 People Who Should Review Your Scholarship Essays

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Get a Second Opinion for Your Scholarship Essays

If you are trying to write an essay for a college scholarship, you might want to get it checked out by a couple different people before turning it in. They will be able to give you feedback on your writing so that you can make your essays as good as they can possibly be. It can’t hurt to have multiple people look over your essay because that will give you different ideas to play around with. You just have to make sure you contact the right guys (or girls) for the job. Here are five people you should ask to review your scholarship essays.

Professors or Teachers

Your instructors are going to be the best people to review your scholarship essays. Ideally, you need to ask your English teacher or professor to look over everything to check for grammar and punctuation. You might also want to ask an instructor related to the subject of the essay, like having a history professor read an essay about an event from the past.

Academic Advisors

Your guidance counselor or academic advisor might be more in tune with what scholarship committees look for than other people would be. Have him or her look over your essay from a board member’s perspective. If you know someone on the scholarship committee for the award you are applying for, you could speak to them about ways to improve your essay. That person many not be able to give you a direct opinion, for neutrality purposes, but he or she could point you in the right direction.

Financial Aid Advisors

If you are in college or you have access to the college you want to attend, contact a financial aid advisor for help with your essays. If they cannot assist you directly, they may be able to tell you about other essay review resources available through the school. Many colleges these days have writing centers that you can visit to get helpful advice from graduate students, assisting professors, and other qualified people who can improve your writing.

Your Friends and Classmates

Your friends are going to be brutally honest with you, so at least you can get the truth out of them. They may not fully know what to look for, but they can tell you if your essay sounds like a bunch of bull.

Also, have a couple of your peers review your essays and offer to do the same for them. These should be people who do not know you well. Hopefully they will give unbiased opinions that will help you out in the long run.

Successful Scholarship Recipients

If you know other people who have received the scholarship you want, ask them to look over your essay. They obviously know what they’re doing, so they can theoretically help you find the same success. Some scholarship search programs, like ScholarshipOwl, will allow you to connect with past winners online to get advice on what they did to win their awards. If you can apply those theories to your essays, you have a good chance at winning the scholarships you want.

If you can get some honest opinions from those people, you should be well on your way to getting the money you need for college.

5 Ways to Make Money Online to Pay for College

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Best Online Jobs for College Students

Most college students have a hard time working in “regular” jobs because their schedules don’t coincide with the traditional 9-5 setup. Those students that do have free time throughout the day don’t have enough of it to work 40+ hours a week. Nevertheless, every freshman, sophomore, junior, and senior needs a way to pay for his or her daily expenses. What’s the solution? The internet. There are tons of jobs online for college students, and those jobs offer the flexibility and high pay rates these people need to cover their monthly expenses. Here are five ways to make money online to pay for your costs in college.

Freelance Writing

Just about every word you will ever read on the internet is written by a freelance writer. Some freelance writers get paid by the hour, and others get paid by the project. In general though, you can expect to make at least $15-$20 an hour doing this, with a potential to earn much more if you’re good at your job. As long as you can write an article based on a keyword someone gives you, you can make a living as a freelance writer.

Data Entry

Data entry jobs are incredibly simple, which is why they are perfect for stressed out college students with little brain power. In this case, all you have to do is copy information from one place to another, be it a web page, an Excel sheet, or something else along those lines. A lot of employers outsource this kind of work overseas, so you might have to compete with people who only charge $1 an hour. Nevertheless, you should eventually find someone who is willing to pay minimum wage or more to work with someone in the states.

Tutoring

If you’re really knowledgeable about a certain subject, you might be able to make money as a tutor online. You could either sign up to work under a tutoring organization, or you could start working on your own. All you’d have to do is pick up clients and schedule video chats for your tutoring sessions. Most people make about $20 an hour doing this, depending on the subject they are teaching.

Virtual Assistance

If you are used to doing secretarial work, you might be able to take your talents to the World Wide Web. Some clients will pay you to answer emails, make phone calls, organize virtual documents, or do something else along those lines. If you have keen organization skills and a general ability to multi-task, this could be a great opportunity for you. You probably won’t make much more than minimum wage, but that is just because it is easy for employers to find cheap labor. You have to compete with very low pay rates to land a job.

Paid Surveys

Surprisingly enough, you can actually get paid to take surveys online. These may be about a product you have tried or a restaurant you have visited, depending on the surveying party. This work doesn’t pay much at all, but it might be a fun way to earn a little extra pocket change.

Test out some of the jobs listed above, and you should find something to help you pay your way through school.

Organizing Your Computer for College

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Cut out the Computer Clutter to Reduce Your Stress in College

College is a messy time in a person’s life. The dorm room is messy, the bank account is messy, the car is messy, and of course, the computer is messy. All of this mess can make simple tasks take much longer than they should simply because there is a lack of organization in place. We can’t make you clean your room or the floorboard of your car, but we can help you clean up your computer while in college. Here are some tips that are sure to make you more efficient in the coming months.

Folders, Folders, Folders

We can’t say this enough…folders. Having a clean set of folders on your computer will make finding files so much easier. This is like having a box of papers versus a filing cabinet where everything is neatly placed. Which one would you rather search through? Try to create folders for different classes, different semesters, different software programs, and more. When you look at your desktop, you should see very little clutter there whatsoever.

Get Rid of Old Files

If you have files on your computer that you know you will never need, just get rid of them. They take up extra space for no reason, and they can prevent you from finding the things you actually need to find. After you delete the files, make sure to clean out the recycling bin. This is something that people often miss, so the files still eat up valuable space. You can simply right click on the bin and clear it, or you can use a free program like CCleaner to do it for you. That will clean up other random files on your computer left by programs you’ve installed or uninstalled.

If you aren’t sure if you’re going to use a certain file you want to delete, put it on the cloud or in an external hard drive. That way it’s at least accessible, even if it’s not on your computer. If you happen to need it in the future, you have a way to find it.

Clean up Your Programs

Every semester, you should go through your computer and perform a “spring cleaning” of sorts. Uninstall programs you no longer use, and clear out any files you don’t see yourself needing. Essentially you need to make sure you have a clean slate to work on next semester. If things get messy somewhere along the way, at least you don’t have semester after semester worth of junk lying around. You’ll feel better about yourself if you have a clean computer to work on. We guarantee it.

The next time you find yourself procrastinating with your computer organization, think about what happened the last time you needed a file you couldn’t find. It was probably an hour before a deadline, where you barely made it to class on time to turn in a big paper. Do you want that to happen again? If not, follow the tips above and you’ll be ready to go at any time.