SoFi

As of 2025, the average cost of a wedding is approximately $36,000, according to data from Zola, a wedding registry platform. When you think about all that goes into a wedding, you may understand how the figure can get so high. There’s the venue (whether you book an event space or have a party tent in a backyard), food and drink, music, photography and videography, the dress and the ring, hair and makeup, flowers, and more.

But whether you want to have a destination wedding or one at home, you’ll likely want to understand what others spend, whether the average expense accurately reflects what most people pay, and how you can develop and wrangle your own budget. Read on for the need-to-know info so you can plan for what may just be the happiest day of your life.

What Is the Average Cost of a Wedding?

As noted above, the average cost of a wedding ceremony and reception for 2025 was documented at $36,000, according to Zola, a wedding registry platform. However, before thinking that you need to spend that much to get hitched, keep in mind a bit of basic math about average vs. median wedding costs.

•   Averages can be inflated by a few super-luxe weddings in the mix. To get the average, you add up the data points and then divide by the number of data points.

For instance, if eight out of 10 people spend $10,000 for their big day and two people spend $125,000 each, the average cost would be $33,000. Even though just two couples splashed out, it looks as if everyone is spending a sum of over $30K.

•   Because of how a few high figures can skew data, it may be more meaningful to look at the median cost. When a median is calculated, the data points are arranged from smallest to largest, and the median is the middle value for sets with an odd number of data points. When there is an even number of data points, the median is the average of the middle two.

If you use the same values as above, the median would be 10,000, because you are only looking at the middle two values when the 10 data points are arrayed from smallest to largest. In other words, the big spenders get eliminated.

So what would the current median cost of a wedding be? SoFi’s most recent research found that the median cost of a wedding is about $10,000.

Wedding costs will vary based on how elaborate the event and the unique vendor and venue costs of the region.

And whether typical costs are closer to $10,000 or $36,000, that’s a considerable investment: a five-figure amount to pull together or to finance with, say, a personal loan.

Average Wedding Cost by State

You’ve just learned that average wedding costs may be inflated vs. median costs. However, most of the world tallies data as averages. Here, you’ll see how much an average wedding costs by state, according to the most recent data from the wedding platform The Knot. Keep in mind that if you were to use medians, the dollar amounts could be significantly lower.

The price tag associated with this fantastic celebration for the couple and their friends and family differs by state. The variations in amounts may reflect how the cost of living by state can vary. This is where things stand as of 2025:

•   Alabama: $27,000

•   Alaska: Not available

•   Arizona: $26,830

•   Arkansas: $18,700

•   California: $39,170

•   Colorado: $31,130

•   Connecticut: $40,300

•   Delaware: $38,880

•   District of Columbia: $42,480

•   Florida: $32,560

•   Georgia: $28,800

•   Hawaii: $32,280

•   Idaho: $17,380

•   Illinois: $38,100

•   Indiana: $24,380

•   Iowa: $20,080

•   Kansas: $20,000

•   Kentucky: $21,680

•   Louisiana: $33,240

•   Maine: $36,000

•   Maryland: $39,460

•   Massachusetts: $45,000

•   Michigan: $28,330

•   Minnesota: $27,440

•   Mississippi: $21,280

•   Missouri: $25,040

•   Montana: $20,050

•   Nebraska: $20,870

•   Nevada: $19,890

•   New Hampshire: $36,080

•   New Jersey: $54,500

•   New Mexico: $22,260

•   New York: $47,800

•   North Carolina: $29,060

•   North Dakota: $21,080

•   Ohio: $28.300

•   Oklahoma: $19,590

•   Oregon: $23,290

•   Pennsylvania: $35,310

•   Rhode Island: $49,180

•   South Carolina: $36,170

•   South Dakota: $20,750

•   Tennessee: $24,040

•   Texas: $30,000

•   Utah: $17,380

•   Vermont: $44,720

•   Virginia: $33,760

•   Washington: $26,380

•   West Virginia: $19,080

•   Wisconsin: $28,730

•   Wyoming: $16,750

Recommended: Wedding Cost Calculator

Average Wedding Cost in Major US Cities

In general, cities can be expensive. The cost of living can be higher because the demand is more intense.

Here, according to The Knot, is how much it costs on average to finance a wedding in some popular American cities, in descending order:

•   New York City: $87,700

•   Chicago: $54,190

•   San Francisco: $51,500

•   Boston: $51,260

•   Los Angeles County: $44,740

•   Philadelphia: $40,230

•   Houston: $33,000

•   Detroit: $32,000

•   Dallas/Fort Worth: $31,580

•   Denver: $31,440

•   Seattle: $31,320

•   Phoenix: $27,040

•   Las Vegas: $22,140

•   El Paso: $20,490

Average Wedding Cost by Number of Guests

If you’re curious about how the number of guests will impact your wedding costs, consider this data about getting married from The Knot. In 2025, the most recent year studied, the average number of guests at a wedding was 116, up slightly from the year prior.

Of course, just because that’s the average number of attendees doesn’t mean it’s right for you. Some people with large families and circles of friends could have twice that amount, while others might prefer an intimate ceremony with just one or two dozen guests.

In terms of cost per guest, the latest figures are $284 per person. Once again, keep in mind that these are averages, and the median cost could be significantly lower. Nevertheless, that can be a considerable sum to pay. Looking into wedding loans could be a wise move.

Average Wedding Cost by Generation

Here’s a look at how age may impact your wedding costs. The wedding cost data from the most recent year studied (2025) reveals the following:

•   Average cost for Gen Z wedding: $27,000

•   Average cost for Millennial wedding: $38,000

•   Average cost for Gen X wedding: $23,000

Notably, Gen Z weddings tend to be smaller in size than those of older couples, which could explain the lower price. In addition, Gen Xers (born between 1965 and 1980) may have lower costs since they are older and have other financial priorities than a blowout bash (such as educational costs for children from a prior marriage or a mortgage).

Average Wedding Cost by Month

The time of year during which you host your wedding can impact the cost. Interestingly, in generations past, June used to be the most popular and in-demand month for weddings. That’s a factor that can drive up costs. Now, September and October are the most popular months to get hitched.

However, there are regional differences in when people marry (for instance, a Florida February wedding will be very different from one in Maine), and many other factors impact which date you’ll pick. Here, a look at average costs by time of year to help you plan your budget well:

•   January-March wedding: $32,000

•   April-June wedding: $33,000

•   July-September wedding: $34,000

•   October-December wedding: $32,000

Recommended: The Cost of Being in Someone’s Wedding

The Takeaway

The current average cost of a wedding in the U.S. according to the data is $36,000. However, median costs of a wedding reveal a significantly lower figure of $10,000 for the big day. Keep in mind that average costs are just that: an average made up of numerous data points. It’s not how much you will or must spend. Planning a wedding doesn’t have to be a budget breaker, and there are various ways to finance the event, including gifts from family and personal loans. Think twice before turning to high-interest credit cards; a personal loan could be a wiser choice.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

SoFi’s Personal Loan was named a NerdWallet 2026 winner for Best Personal Loan for Large Loan Amounts.

FAQ

What is the average cost of a wedding in the United States compared to the rest of the world?

The average cost of a wedding in the U.S. is currently $36,000, and the median is $10,000. Wedding costs in America tend to be higher than elsewhere in the world, but figures vary tremendously depending on location, wedding size, and details of the ceremony and celebration.

What is the average cost of a destination wedding?

The current average cost of a destination wedding is $39,000, although the exact price can vary depending on where the wedding takes place, travel expenses, and size and style of the wedding.

How much should I plan to spend for a wedding with 100 guests?

Currently, the average cost per person for a wedding is $284, so a wedding for 100 guests would require a budget of $28,400.

What’s the best way to estimate the costs of a wedding?

In addition to looking at the data and talking to friends and wedding professionals, you can develop a budget and research costs for your intended ceremony, such as venue rental, flowers, music, dress, catering, and more.

Are there different ways to pay for a wedding?

Yes, there are options for financing a wedding, including savings, gifts of money from family and friends, and securing a personal loan.

---

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOPL-Q225-029

Read more

Today’s burgeoning bathroom trends range from bold wallpaper and maximalist touches to sleek Art Deco lines and natural materials. Whether you’re gut-renovating a primary bathroom or freshening up a powder room, you’re bound to find plenty of inspiration at all price points and levels of difficulty.

Keep reading to find bathroom remodel ideas for 2026, plus tips on how to budget for the home spa of your dreams.

8 Bathroom Ideas for 2026

The dominant bathroom remodel trends for 2026skew modern in nature with clean lines, organic materials, and a lot of warm, natural wood. At the same time, some homeowners are taking cues from their grandmothers, incorporating throwbacks to the 1960s with pink tile and patterned wallpaper. Whichever route you take, there’s little denying these bathroom ideas 2026have a little something for everybody.

1. Opt for Statement Wallpaper

Price: Low
Difficulty: Moderate
Style: Varies

Wallpaper with a major pattern is a quick way to give a bathroom loads of style. This isn’t a moment for small-scale patterns or neutral colors. Rather, designers and homeowners are embracing rich colors and bold imagery. For example, you might choose an exuberant Victorian floral against a black background or a mural-like forest motif.

Wallpaper prices can range from $10 to over $1,000 a roll, with an average of around $100. If you are DIYing it, you might want to choose from among the many forgiving peel-and-stick options on the market today.

Recommended: The Cost To Repair a Plumbing Leak

2. Get Wet

Price: High
Difficulty: Professional
Style: Contemporary

One big trend in bathrooms for 2026 is to have a bathroom that’s a wet room. This means the tub and shower are in their own zone, typically behind a glass partition. There’s a drain in the floor by the shower since it’s not enclosed by a door or curtain. In this open and flexible set-up, there’s more room for tile, giving you the freedom to make more of an impact with color and pattern, if you like, rather than plain white subway tile.

3. Design for the Senses

Price: Moderate
Difficulty: Varies
Style: Contemporary

Who doesn’t want their bathroom to be an immersive space that soothes their senses? That’s what this 2026 trend is all about. It could involve installing a rainfall shower; handcrafted, tactile ceramic tiles that add texture; and adjustable ambient lighting. Smaller touches can include plants and soundscapes, courtesy of a next-gen audio system.

4. Double Up on Showerheads

Price: Low
Difficulty: Moderate
Style: Contemporary

Adding side-by-side showerheads is one of many shower remodel ideas you may choose to add to your bath remodel. Not only does it add symmetry to your shower, but it allows more than one person to shower at a time. That can come in handy if you have children you’re trying to bathe simultaneously, or spouses who get ready for work at the same time.

5. Embrace Art Deco

Price: Moderate
Difficulty: Easy to Moderate
Style: Retro

Designers are finding the vintage appeal of Art Deco style from the 1920s and 1930s is a hot way to make a bathroom look chic. That can mean anything from adding the era’s signature sunburst mirrors to one wall or updating your faucets with sleek, curvy chrome ones. Larger projects could include geometric black and white tile floors or marble counter tops. Want a quick hit of retro style? Swap a utilitarian lighting fixture for a chandelier.

6. Add Touches of Black

Price: Varies
Difficulty: Easy to moderate
Style: Contemporary

Black is back in bathroom trends 2026. Taking a page out of Scandinavian design (which is fond of mixing black with natural wood), interior designers are using black walls, floors, and stone to make a strong statement. It looks newest and freshest paired with white fixtures and brass touches. This works well for those who love the color but don’t want their entire bathroom to be a single color.

7. Be Bold

Price: Varies
Difficulty: Moderate
Style: Varies

On the flip side of the sleek black trend of 2026, you’ll also find maximalist color and design. Adding a splash of color to your bathroom is one way to up the wow factor. Dare to go all pink — from a dusty rose floor tile to a blush-dominant floral wallpaper. Or mix mega-patterned wallpaper with towels in bright, saturated colors. Or cover the walls with framed prints and drop a sink into a reclaimed antique chest so it becomes your vanity. This will add loads of signature style to the space.

8. Go High-Tech

Price: Moderate
Difficulty: Moderate
Style: Contemporary

As home technology continues to advance, so do homeowners’ desires to operate everything via apps and devices. Many homeowners opt for wall-mounted digital interfaces that operate everything from the shower heads to stereo speakers. Adding heated flooring and high-tech bidets are also among the top bathroom ideas 2026.

Recommended: How To Pay for Emergency Home Repairs

How To Budget for Your Bathroom Reno

According to the home improvement site Angi, the average bathroom remodel in 2026 costs $12,119. If you are, say, gutting your space, moving plumbing lines, and buying new, high-end fixes, the amount could be considerably more.

As you might guess, budgeting wisely is a key part of your bathroom update (and any remodeling project, for that matter). When researching materials, start with what you know you need: tile, faucet, paint, etc. For things like tile and paint, plan on purchasing 20% more than your square footage requires. It’s always better to have a little too much in case of installation errors vs. too little. Then consult DIY sites to make sure you include all the necessary incidentals to complete the project. For a DIY tiling project, for example, you’ll need grout, a grout float, thinset, sealant, drop cloths, etc.

The most expensive part of a bathroom reno can be a combination of materials and labor. Angi’s latest data indicated that cabinets and shelving can account for 25% of a budget; the shower and tub 22%; and the contractor 13%. However, full bathroom updates typically require a number of specialists, such as plumbers, electricians, and tile installers. That can mean labor costs wind up being 40% or more of your budget. Even for smaller updates, a general contractor can cost $50-$150 an hour.

Keep Resale Value in Mind

The good news is that bathroom updates do increase your home’s value — but there are limits. Typical updates recoup about 70% of their cost, according to Angi as of 2026.

The upshot: You’ll enjoy a better bang for your buck by keeping updates modest and avoiding anything too trendy or unique (ahem, red bathtub).

Recommended: Your Guide to Unsecured Personal Loans

Consider Your Financing Options

Before you commit to any of these bathroom remodel ideas, you’ll need to figure out how you’re going to finance your home improvement project. A personal loan, credit card, savings, or home equity loan are all ways you might finance your bathroom remodel. No matter how you pay for your bathroom upgrades, it’s wise to weigh your options and compare terms, conditions, and interest rates upfront.

One of the most flexible ways to finance a bathroom remodel is with a home improvement loan, which is a kind of personal loan designed to help finance this kind of project. It offers a lump sum of cash that is then repaid with interest in installments, typically over a term of two to seven years. These loans usually offer more favorable rates than credit cards.

The Takeaway

Taking advantage of bathroom trends for 2026 can give your home a style refresh, make it function better, and improve its resale value. Current directions for bathroom design include everything from retro Art Deco lines to maximalist patterns, and from high-tech fixtures to glossy black accents. Whichever way your tastes lean, make sure you have the budget to do things right. A home improvement loan, which is a kind of personal loan, could be a better choice than relying on credit cards, since it typically offers a lower interest rate.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

SoFi’s Personal Loan was named a NerdWallet 2026 winner for Best Personal Loan for Large Loan Amounts.

FAQ

What color faucets are in?

When it comes to faucets, currently matte black and chrome are popular. But if you prefer, say, brushed bronze or polished brass, go for it. It’s your home, and you want faucets that will make you happy as you use them daily.

What is the trend in bathrooms 2026?

There are several bathroom designs currently. Some are about installing high-tech fixtures with spa-worthy functions; others are about using bold colors and patterns to enliven the space or adding Art Deco style for drama. There’s not one single look but rather options to suit every sense of style and performance goals.

How much does the typical bathroom remodel cost?

According to the home improvement site Angi, the average bathroom remodel costs around $12,000 in 2026. That said, there’s a huge range of prices possible. If you are just repainting or adding a bit of wallpaper, the price tag would be much lower. If you are doing a major overhaul with top-of-the-line fixtures and materials and a lot of work is needed by plumbers and electricians, your tab will be much higher.

---

Photo credit: iStock/LeoPatrizi

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

*Awards or rankings from NerdWallet are not indicative of future success or results. This award and its ratings are independently determined and awarded by their respective publications.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

SOPL-Q225-064

Read more

Cosmetology scholarships can be a game-changer for students who want to pursue their passion for hair, makeup, or skincare but worry about the cost. Scholarships are free money for your education, and you do not need to pay them back.

Cosmetology school costs can range quite a bit, but most programs cost less than $20,000. That’s still a significant amount of money, especially if you’re just starting out. Fortunately, cosmetology scholarships are out there to help lighten the financial load.

To help you offset the costs, here are some of the top cosmetology scholarships in 2026 and where to find them.

How to Find Scholarships for Cosmetology Students

When searching for scholarships for cosmetology school, there are plenty of resources available, including:

•   Free scholarship search tools, such as SoFi’s Scholarship Search Tool

•   High school guidance counselors

•   The financial aid office at your college or career school

•   Local resources, like libraries, businesses, and community groups

•   Nonprofits like the Professional Beauty Association

•   Your employer or your parents’ workplace

•   Professional organizations in your field of interest

How to Qualify for Cosmetology Scholarships

Every cosmetology scholarship has unique eligibility requirements, so make sure to review them carefully before applying.

Requirements might include things like:

•   Maintaining a minimum GPA

•   Completing a certain amount of community service

•   Being a U.S. citizen

•   Planning to enroll (or being enrolled) in an accredited cosmetology program

•   Demonstrating leadership skills or potential

•   Providing letters of recommendation

•   Submitting your resume

•   Submitting the FAFSA® (Free Application for Federal Student Aid)

Top Cosmetology Scholarships

Here are some top cosmetology scholarships to help you fund your education so you can kick-start your beauty career.

Buy-Rite’s Annual Beauty School Scholarship

Scholarship amount: $1,000

Application deadline: November 1

Buy-Rite’s Annual Beauty School Scholarship is a $1,000 scholarship for cosmetology and barber students who best embody Buy-Rite Beauty’s core values. To apply, you must submit an essay detailing your most meaningful achievement and explain how it relates to your future career in cosmetology.

Great Clips Great Scholarship Program

Scholarship amount: Up to $5,000

Application deadline: March 1

The Great Clips Great Scholarships Program is for future stylists and barbers in the U.S. and Canada, offering up to $5,000 to help launch their careers. To apply, answer the question, “What is exciting to you about a career in the cosmetology or barbering industry? Why?”

Beauty & Wellness Professionals Scholarship

Scholarship amount: $2,500

Application deadline: March 1

BeautySchoolDirectory.com offers a $2,500 Beauty & Wellness Professionals Scholarship twice a year for students and professionals passionate about making a difference in beauty and wellness. It’s open to both U.S. residents and international students. To be considered, you must submit a three-minute video answering one of the prompts on the application.

The Rosy Rewards Scholarship

Scholarship amount: $250

Application deadline: October 1

The Rosy Rewards Scholarship, offered by Rosy Salon Software, awards two $250 scholarships each year to cosmetology students who are passionate about the industry. To qualify, you must be enrolled in a cosmetology, barber, or esthetics program, and submit a letter of recommendation, resume, and two of your best pictures to showcase your skills.

The Joe Francis Haircare Scholarship

Scholarship amount: $3,000 or more

Application deadline: June 1

The Joe Francis Haircare Scholarship is a $3,000 scholarship (or more) that supports students pursuing a career in the beauty industry. To apply, you must fill out the application and submit two letters of recommendation.

Elevate Your Education Scholarship

Scholarship amount: $1,400 value

Application deadline: March 1, July 1, November 1

Elevate your education with Dermalogica offers scholarships to support passionate and talented new skincare professionals. These scholarships cover the cost of either the Expert Program or the Product Expert Program workshops, valued at over $1,400.

Sallie Mae Scholarship

Scholarship amount: $2,000

Application deadline: December 31

The Sallie Mae Scholarship Sweepstakes awards $2,000 to U.S. beauty students who are over 17 years old. A sweepstakes scholarship is a random drawing where winners are picked by chance, giving every eligible student an equal shot at the award.

SoFi Scholarship Giveaway

Scholarship amount: $2,500

Application deadline: Monthly

The SoFi Scholarship offers students a chance to win $2,500 every month through a sweepstakes. It’s an easy, monthly drawing that can provide some extra financial support for your education.

Recommended: How to Pay for College

Can You Get a Federal Student Loan for Cosmetology School?

Yes, as long as your cosmetology program is accredited, you can apply for federal student loans and other types of aid. To check if your school is accredited, you can use the Database of Accredited Postsecondary Institutions and Programs or just call the school directly.

Federal aid includes grants, work-study, and federal student loans. To find out what aid you qualify for, complete the Free Application for Federal Student Aid (FAFSA®). The FAFSA for the 2026-27 academic year will be available to all students on or before December 1, 2026.

How to Make Money While in Cosmetology School

While it’s important to prioritize your schoolwork, you can still find money-making opportunities that fit into your busy schedule. Options for making money while in cosmetology school include:

•   Find a full-time or part-time job. There are numerous jobs for students to make money during school. For example, you may consider working at a salon as an assistant or receptionist. By choosing a job within your field of study, you can earn money and gain hands-on experience.

•   Start a side hustle. If a flexible gig is more your style, think about ways to generate income in your free time, like driving for Uber, delivering food, or offering freelance beauty services for events. With a side hustle, you can usually set your own hours, allowing you to work around your cosmetology school schedule.

•   Offer your services to friends and family. Providing haircuts, manicures, and makeup services to people you know is another good way to make money and build your experience.

•   Start a beauty YouTube channel. If you love sharing beauty tips, consider starting a blog or YouTube channel. You can create tutorials, conduct product reviews, and feature other content so you can grow your audience and earn money through sponsorships and ads.

The Takeaway

If you’re looking for ways to pay for cosmetology school, applying for cosmetology scholarships can be a good option. While some scholarships are competitive, many others go unclaimed each year. It’s always worth it to apply since it doesn’t cost you anything and may significantly lower your out-of-pocket expenses.

You can also consider exploring other ways to cover college costs to find what works best for you. Options include cash savings, grants, federal student loans, and private student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

When should I start applying for cosmetology scholarships?

When it comes to applying for cosmetology scholarships, the earlier you start, the better. Applying early gives you access to more opportunities and helps you avoid that last-minute rush. It might feel a bit overwhelming at first, but starting early makes the whole process much more straightforward.

Can I get a scholarship for cosmetology school?

There are many scholarship opportunities available for students pursuing a career in the beauty industry. Whether you’re just starting or already enrolled, you can find scholarships tailored to support aspiring cosmetologists, estheticians, and other beauty professionals.

Does the FAFSA cover cosmetology?

If you’re enrolled in an accredited cosmetology school, you might qualify for federal financial aid by filling out the FAFSA. This can help cover tuition, fees, and other expenses, so it’s worth applying to see what kind of funding you can receive.

---

About the author

---

Photo credit: iStock/Sergey Pakulin

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

SOISL-Q324-091

Read more

With average annual tuition and fees reaching $11,260 for in-state students at public four-year colleges and $41,540 for private universities, covering college expenses can feel overwhelming. Scholarships for high school juniors may be just what you need to make college more affordable.

Whether you’re aiming for a four-year university or a community college, there are plenty of scholarships designed specifically for high school juniors in the class of 2026. Unlike student loans, scholarships are free money for college and don’t need to be paid back.

Keep reading to learn about some of the best scholarships available for high school juniors and how they can help you take that next step toward your college career.

How Do I Qualify for High School Junior Scholarships?

To qualify for scholarships as a high school junior, start by maintaining strong academic performance, since many scholarships are merit-based and require a minimum GPA.

Research scholarships that match your interests, background, or intended college major. You should also try to participate in extracurricular activities, leadership roles, and community service, which are often key factors for many scholarship applications.

Some scholarships may also consider financial need, requiring you to submit the Free Application for Federal Student Aid (FAFSA). Additionally, sign up and prepare for standardized tests like the SAT or ACT, because scores can be a qualifying factor for many awards. Keep deadlines in mind and apply early.

Recommended: What Types of Scholarships Are There?

How to Find Scholarships for High School Juniors

While you’re completing your junior year, there are plenty of resources to help you find scholarships, including:

•   The financial aid office at the college or career school you’re considering

•   Organizations and professional groups connected to your interests

•   Federal agencies that offer financial aid

•   Free scholarship search tools, like the Scholarship Search Tool by SoFi

•   Local organizations, such as libraries, businesses, nonprofits, and other community groups

It’s important to understand that not all scholarship opportunities are legitimate. For example, it’s probably a red flag if someone asks you to pay to apply or find scholarships. Remember that you should never have to pay to enter a scholarship, so it’s best to avoid those kinds of offers.

What Is the Easiest Scholarship to Get in High School?

While some scholarships require a good amount of work, like writing essays or gathering recommendation letters, others are much easier to apply for. For example, no-essay scholarships are often the easiest to apply for because they typically have minimal requirements, such as being a certain age.

There are two main types of no-essay scholarships: sweepstakes and video scholarships. With sweepstakes scholarships, you don’t typically need to submit grades, test scores, or essays. Instead, you might just need to fill out a short form, provide some basic information about yourself, or answer a few questions.

Keep in mind that since these scholarships are easier to apply for, there’s often more competition, which can lower your chances of an award. Even though junior year is busy, it’s a good idea to apply to as many as you can to boost your chances of receiving a no-essay scholarship.

On the other hand, video scholarships require you to create something, like a five-minute video explaining why you deserve an award. For some, this may be easier than writing an essay and gives you a different way to showcase your strengths.

Recommended: Enter SoFi’s Scholarship Giveaway for $2,500

Best Scholarships for High School Juniors

Here are some of the best scholarships for high school juniors to apply for in 2026 and 2027:

1. United States Senate Youth Program

Award: $10,000

The United States Senate Youth Program (USSYP) is open to high school juniors and seniors interested in a career in public service. Applicants must demonstrate leadership skills by serving in an elected or appointed role, such as student government, education, public affairs, or community service.

2. G2 Overachievers Student Grant

Award: $15,000

The G2 Overachievers Student Grant is for middle and high school honor roll students between the ages of 13 and 19. To apply, you must submit a 1,000 to 2,000 word handwritten essay about how you (or the person you’re nominating) are making a difference in your community and deserve to be recognized for it.

3. The Christophers High School Poster Contest

Award: $1,000

U.S. high school students, from freshmen to seniors, can enter the Christophers 35th Annual Poster Contest. To apply, simply create a poster featuring the phrase “You can make a difference” and illustrate how one person can positively impact the world.

4. Create a Greeting Card Scholarship Contest

Award: $10,000

The Create-a-Greeting Card Scholarship Contest is open to all U.S. high school and college students that are 14 years and older. To enter, simply create an original greeting card design. Your design can be a Christmas card, holiday card, birthday card, or an all-occasion greeting card.

5. Voice of Democracy Scholarship Competition

Award: $35,000

High school students can win the Voice of Democracy award by submitting a three- to five-minute audio essay on the topic “Is America Today What Our Forefathers Imagined?” The Veterans of Foreign Wars (VFW) also offers other scholarships, with awards ranging from $1,000 to $21,000.

6. We the Future Contest

Award: $2,000 – $5,000

High school students starting in freshman year can win the We the Future Contest by creating a 500-700 word essay, song, STEM project, short film, social media video, or public service announcement (PSA) on a Constitution-related topic.

7. Carson Scholars Fund

Award: $1,000

The Carson Scholars Fund is for students in grades four through 11 who do well in school and are committed to making a difference in their communities. To apply, you need a GPA of at least 3.75 and must show a strong commitment to community service.

Carson Scholars Fund

8. International Public Policy Forum (IPPF)

Award: $10,000

The Brewer Foundation and New York University (NYU) offer the International Public Policy Forum award to teams of at least three students from the same school. As a team, you’ll write a 3,000-word essay on “Resolved: Equitable access to pharmaceuticals should be prioritized over protecting intellectual property rights.” The top 64 teams will move to a written round, and the top eight teams will compete in a final oral debate.

Recommended: How to Pay for College

The Takeaway

Kicking off your scholarship applications during junior year gives you a head start and helps you find more options to pay for college. The more scholarship money you earn, the less you’ll need to pay in tuition and other expenses.

In addition to scholarships, students can pay for college with cash savings, grants, federal student loans, and private student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.

FAQ

Should you start applying for scholarships as a junior?

Even though your junior year is a good time to apply for scholarships, you don’t need to wait until then. You can start anytime in high school, which gives you a jumpstart and can open up more scholarship opportunities.

What is the youngest age you can get a scholarship?

You might be able to find scholarship opportunities for kids as young as the age of four. While this may seem a tad early, starting as soon as possible gives you more time to plan for future college costs.

What are the most sought after college scholarships?

Some of the most sought-after scholarships include The Gates Scholarship and the Coca-Cola Scholars Program. However, these popular scholarships are usually available only to high school seniors and can be pretty competitive. So, to increase your chances of winning, it’s a good idea to apply for a mix of different scholarships.

---

About the author

---

Photo credit: iStock/shapecharge

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

SOISL-Q324-089

Read more