Future Teachers – Top 25 Scholarships for Educators

Becoming a teacher requires a bachelor’s degree and passing certification exams. Depending on the type of school setting, location, and subject area, educators may also need to earn a graduate certificate or degree. Fortunately, there are many teacher scholarships that can help make pursuing a career as an educator more affordable.

Below are 25 scholarships for aspiring teachers that can help cover the cost of undergraduate and graduate degree programs in education.

Key Points

•   Scholarships are available based on academic excellence, financial need, and commitment to teaching, offering opportunities for a variety of candidates.

•   Similar to grants, scholarships provide money you can use toward college tuition and expenses without having to pay it back.

•   Some scholarships encourage recipients to teach in underserved or high-need areas, providing financial incentives to address teacher shortages.

•   Top scholarships for teachers include the TEACH Grant and the STEM Teachers for America’s Future Graduate Scholarships.

•   In addition to scholarships, future teachers can apply for grants, federal student loans, and private student loans to fund their college education.

1. TEACH Grant

The U.S. Department of Education provides Teacher Education Assistance for College and Higher Education (TEACH) Grants of up to $4,000 per year for undergraduate and graduate students pursuing a career as a teacher. Applicants must be eligible for federal student aid programs, be enrolled at a participating school, and meet academic requirements.

Recipients must fulfill a service obligation to teach a highly needed subject in a low-income area or where there’s a teacher shortage, or else have their TEACH Grants converted to a Direct Unsubsidized Loan.

Recommended: How College Financial Aid Works

2. STEM Teachers for America’s Future Graduate Scholarships

The AFCEA Educational Foundation offers scholarships of $2,500 to graduate students pursuing a degree or credential to teach science, technology, engineering, or math (STEM) subjects to grades K-12 in the U.S. Applicants must have a GPA of 3.5 or higher and complete a B.S. degree in a STEM field.

3. James Madison Graduate Fellowship

The James Madison Memorial Fellowship Foundation provides around 50 awards of $12,000 per year for college seniors and college graduates who intend to become secondary school teachers of U.S. history, government, or civics. Recipients are expected to complete graduate programs within two academic years and teach for a duration equivalent to the fellowship funding received.

Recommended: 10 Most Common Types of Scholarships

4. Glenn Moon Scholarship

The Association of Retired Teachers of Connecticut offers the Glenn Moon Scholarship, consisting of multiple scholarships of $2,000 per year for students pursuing a teaching degree. Applicants must be residents of Connecticut to be eligible.

5. SoFi Scholarship Giveaway

In addition to teacher scholarships, registering for SoFi’s $2,500 scholarship sweepstakes is another opportunity to get free money for college. Scholarships are awarded on a monthly basis, and registration takes just a couple steps.

6. Barbara Lotze Scholarship for Future Physics Teachers

The American Association of Physics Teachers issues approximately five scholarships of up to $3,000 for U.S. citizens pursuing a degree leading toward a career as a high school physics teacher. High school seniors and current college students are eligible to apply for funding for each year of their degree program.

7. Nancy Larson Foundation College Scholarship

The Nancy Larson Foundation awards a minimum of five $1,500 scholarships to students preparing to become elementary school teachers. Juniors, seniors, and graduate students who have declared an elementary education major are eligible to apply for the Nancy Larson Foundation College Scholarship.

8. TeachDFW Scholarship

The TeachDFW Scholarship awards up to $1,000 to any future educator applying to a teaching program. The scholarship is aimed at addressing the teacher shortage and improving education quality in local Dallas-Fort Worth schools by empowering aspiring teachers.

9. South Carolina Teaching Fellows Program

The SC Teaching Fellows Program provides professional development opportunities and funding for up to 200 high school seniors who have demonstrated community service experience, high academic achievement, and a desire to become a teacher in South Carolina. Fellows can receive up to $24,000 in funds, or up to $6,000 a year for four years, while earning a degree that leads to initial teacher certification.

Recommended: Explaining Student Loan Forgiveness for Teachers

10. National FFA Alumni and Supporters Agricultural Education Scholarship

The National Future Farmers of America (FFA) Organization offers $1,000 scholarships to students pursuing a degree leading to a career as an agriculture teacher. Applicants must be high school senior FFA members or FFA alumni enrolled in a two- or four-year degree program.

11. Joseph T. Weingold Scholarship

The Arc New York Joseph T. Weingold Scholarship awards four New York Arc Chapter employees $3,000 scholarships per year for those enrolled in a New York State degree program, leading to a special education certification.

12. International Teacher Education Scholarship

The Alpha Delta Kappa Foundation grants up to seven awards of $10,000 annually to women from outside the U.S. pursuing a graduate degree in a field of education in the U.S. To be eligible, applicants must have a bachelor’s degree and reside outside the U.S. prior to enrolling in graduate school.

Recommended: 10 Popular Scholarships for Women

13. Next Generation Hoosier Educators Scholarship

The Next Generation Hoosier Educators Scholarship provides awards of up to $10,000 each year for Indiana residents pursuing a career in education. Recipients may renew the scholarship for four academic years. Additionally, recipients agree to teach for five years at an eligible school in Indiana or repay the prorated amount of the scholarship award.

14. High School Senior Scholarship for Future Teachers

The Georgia Association of Educators provides up to 10 awards of $1,000 for high school seniors in Georgia who will attend an accredited college or university and plan to major in education. Applicants must submit two letters of recommendation and complete a 500-word essay on “Identify the Teacher Who Inspired You to Consider Becoming a Teacher and Why?”

15. College Junior/Senior Scholarship for Future Teachers

The Georgia Association of Educators provides awards of $1,000 for rising college juniors and seniors enrolled in an accredited education program at a Georgia college or university. Applicants must submit two letters of recommendation and complete a 500-word essay on “Why Do You Choose to Become a Teacher and What Do You Hope to Accomplish in this Profession?”

16. Underwood-Smith Teaching Scholars Program

The Underwood-Smith Teaching Scholars Program provides 25 awards of $10,000 per year to students enrolled at a West Virginia college or university and pursuing a degree in math, science, elementary education, or special education. Recipients may receive funding for up to four years, and are required to teach in a West Virginia public school for at least five years after graduation.

17. Martin Luther King, Jr. Memorial Scholarship Program

The California Teachers Association (CTA) provides multiple teacher scholarships of up to $6,000 for California residents pursuing a degree, credential, or certification for a teaching-related career. Applicants must be a member of a defined BIPOC group and either an active member of CTA or CTA Aspiring Educators, or a dependent child of a CTA member.

18. Dakota Corps Scholarship

The Dakota Corps Scholarship provides full-tuition scholarships to South Dakota students who commit to working in critical-need fields within the state, such as teaching, nursing, or engineering, after graduation. It’s awarded based on academic performance and a willingness to serve in high-demand professions in South Dakota’s rural or underserved areas.

19. Al Mance Memorial Scholarship

The Tennessee Education Association provides an Al Mance Memorial Scholarship (in addition to other scholarships) of $1,000 to a male undergraduate or graduate student of color who is enrolled in an education degree program at a Tennessee college or university.

20. Winifred R. Reynolds Educational Scholarship

The Denver Foundation provides awards of $1,000 to $7,000 for Colorado residents enrolled or planning to enroll in a master’s or doctorate level program in early childhood education, child development, or educational psychology. Applicants must demonstrate financial need and a cumulative GPA of 3.5 or higher.

Recommended: How Much Does GPA Matter When Applying to College?

21. Clara Onishi Educator Scholarship

The Clara Onishi Educator Scholarship, part of the Odo Scholarship Foundation, awards one scholarship of $1,250 each year for students enrolled in an accredited teacher education program. Recipients must be a Hawaiian resident and show intent to teach in Hawaii.

22. Minority Teachers of Illinois (MTI) Scholarship Program

The Illinois Student Assistance Commission provides scholarships of up to $7,500 each year for minority students who are enrolled at an Illinois undergraduate or graduate program that qualifies recipients to be licensed teachers upon completion. Recipients must be in-state residents and committed to teaching in Illinois after graduation.

23. Victoria Soto Memorial Scholarship

This four-year renewable scholarship of up to $12,000 is awarded by the Vicki Soto Memorial Fund to four recipients per year: two graduates of Stratford High School, one Connecticut recipient, and one national recipient. Applicants must be pursuing a college degree in education at an accredited school.

24. Teacher Education Scholarship

The Oregon PTA Teacher Education Scholarship offers scholarships of $1,000 for in-state residents studying at an Oregon public college or university to become elementary or secondary school teachers. The scholarship is a one-time award and available to graduating high school seniors or current college students.

25. First-Year Teacher Scholarships

The Texas Retired Teachers Foundation First-Year Teacher Scholarship provides numerous awards of $1,000 to recent college graduates entering their first year of teaching in Texas. Funds may be used to reimburse applicants for the costs of teaching certifications and classroom materials.

Recommended: How Much Does a Teacher Make a Year?

The Takeaway

Applying for multiple teacher scholarships can be a useful strategy to help pay for the cost of college, graduate school, and becoming an educator. The application processes can vary, so it may be helpful to explore and research scholarships that best fit your personal situation and educational and career goals.

It’s not uncommon for students to use multiple funding sources, including grants, scholarships, federal student loans, and private student loans to help cover the cost of college.

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

What types of scholarships are available for aspiring teachers?

Scholarships for aspiring teachers include merit-based awards, financial need scholarships, and those focused on specific teaching areas such as STEM, special education, or early childhood education. Some scholarships are also offered for teachers pursuing advanced degrees or certifications in specific subjects.

How do I apply for a scholarship for teachers?

To apply for a teaching scholarship, you typically need to complete an online application, submit transcripts, write an essay, and provide letters of recommendation. Some scholarships may also require proof of enrollment in a teaching program or a commitment to work in underserved schools.

Are there scholarships for current teachers pursuing professional development?

Yes, many scholarships are available for current teachers looking to further their education, pursue advanced degrees, or earn additional certifications. These scholarships often focus on supporting teachers who want to specialize in areas like leadership, technology, or special education to enhance their professional skills.


Photo credit: iStock/Choreograph

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Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.


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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.

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My School Won’t Certify My Private Student Loan

When you take out private student loans, your lender works with your school to certify the loan before disbursing funds. But what happens when a school won’t certify private loans for college?

If private student loan certification isn’t granted, there are steps students can take to address the issue.

Here’s an overview of how private student loan certification works, potential reasons for having certification denied, and some options to remedy the situation.

Understanding Private Student Loan Certification

Private student loan certification is often a required step for funds to be disbursed by a lender to your school. This is intended to protect student borrowers by ensuring that they’re informed about their federal financial aid options and the school’s cost of attendance when taking out private student loans.

With school-certified private student loans, borrowers fill out and sign a Private Education Loan Applicant Self-Certification form after receiving loan approval. This form provides lenders with a student’s enrollment information and any financial assistance they’ve received, such as grants or scholarships.

Next, lenders send the private student loan information to the school for certification. Schools are responsible for confirming that students are enrolled and that the loan amount does not exceed the cost of attendance: tuition, fees, books, living expenses, transportation costs, and dependent care (if needed). If this information checks out, the certification moves forward and the loan funds will be disbursed without any further action required by students.

While waiting, you might be wondering “how long do private student loans take to process?” It can take anywhere from two to 10 weeks for a student loan to process, depending in part on any issues in the student loan certification process.

When the student loan certification is complete, borrowers receive a final loan disclosure from their lender. This indicates the loan amount, which could be adjusted by the school if the requested funds exceed the total cost of attendance. Borrowers are then offered a three-day waiting period after receiving the final disclosure, known as the right-to-cancel period, to cancel the loan with no penalty.

Do private loans go directly to the school or student? With school-certified loans, the lender disburses loan funds directly to the school.

Recommended: Student Loan Basics

The Role of Schools

After issuing loan approval, a lender forwards a certification request to your school’s office of financial aid. This involves verifying certain information provided when applying for the loan, including enrollment status, expected graduation date, year in the program, and requested loan amount.

Federal regulation prohibits students from receiving student aid that exceeds the cost of attendance. To determine the maximum amount of loan funds, the school financial aid office deducts all other types of financial aid — scholarships, grants, and federal student aid — from the school’s cost of attendance for that semester or academic year.

A key difference with private student loans compared to federal loans is that schools do not consider the Student Aid Index (SAI) when calculating how much can be borrowed in private student loans. Additionally, maintaining satisfactory academic progress could be required by schools to certify private student loans.

With all this information, schools will either certify, certify with changes, or deny certification. For instance, loans could be certified for a lesser amount than what was initially requested if it surpasses the school’s cost of attendance.

Recommended: Undergraduate Private Student Loan Rates

Reasons for Certification Denial

There are a few possible reasons why a school won’t certify private loans. Resolving any such issues — whether on behalf of the student or school — is necessary for the disbursement of student loan funds to move forward.

Common Scenarios for Student Loan Certification Refusal

Here’s a look at some common scenarios where schools might refuse private student loan certification.

Exceeding Cost of Attendance

As mentioned above, schools are prohibited from certifying a loan amount that’s greater than the cost of attendance, minus any financial aid awarded.

Note that schools may list different dollar amounts for the cost of attendance depending on a variety of factors. For instance, students living on campus may have a different cost of attendance than those living off campus. Whether you’re paying in-state vs. out-of-state tuition and attending undergraduate vs. graduate school can also impact how your school calculates your cost of attendance.

Schools may break out the cost of attendance into separate expenses. This means that student loan certification could be denied for specific expense categories (e.g., housing costs) if they’re higher than what’s allowed by the school.

Satisfactory Academic Progress Issues

Students are required to maintain Satisfactory Academic Progress (SAP) at their school to continue receiving financial aid. Each school sets its own SAP policy, but generally students need to maintain a 2.0 GPA to maintain eligibility.

While private student loans typically don’t have SAP requirements, losing financial aid could impact your ability to pay for college.

Recommended: Comparing Private Student Loans

Enrollment Status Discrepancies

It’s not uncommon for students to adjust their course load, but a change in enrollment or incorrect reporting of enrollment status could lead to certification denial.

Student loan certification often occurs in the weeks preceding the start of the semester, so it’s important to ensure you’ve successfully enrolled before then. Additionally, a discrepancy could occur if dropping or adding classes impacts enrollment as a full-time vs. part-time student.

Steps to Take When Loan Certification Is Denied

If private student loan certification is denied by your school, there are a few options to consider to avoid delayed or halted disbursement.

Recommended: How Are Private Student Loans Disbursed?

Request an Explanation from the School

Your school’s financial aid office is usually the point of contact to understand the rationale for certification denial and the necessary steps to resolve the problem. Errors with enrollment status or personal information can usually be addressed quickly, but it’s important to reach out promptly.

Appeal the Decision

If the denial involves exceeding the cost of attendance, students may need to appeal the decision with their school. Often referred to as a professional judgment, this appeal aims to increase the student’s cost of attendance to be eligible for additional student loan funding.

Financial aid offices typically consider professional judgment on a case-by-case basis, so it’s important to have documentation to support the request for revising the cost of attendance. For example, a student living off-campus could provide their renewed lease to show an increase in rent. Other circumstances that could warrant a professional judgment include childcare, disability-related expenses, and medical costs.

Explore Alternative Funding Sources

Students often use multiple funding sources to pay for college.

Applying for college scholarships and grants could secure financial aid to help cover tuition, room and board, and other school expenses. This type of aid is usually awarded based on academic merit or financial need, and doesn’t need to be paid back.

To apply for most scholarships and grants, you’ll need to fill out the Free Application for Federal Student Aid (FAFSA). After completing the FAFSA, students receive a financial aid package from the schools they’ve been accepted at, outlining eligible financial assistance, including federal student loans, work-study, grants, and scholarships.

Managing Private Student Loan Debt Responsibly

Staying on top of private student loan debt is essential for long-term financial health. Understanding your loan terms, including the interest rate and repayment plan, is key to developing a payback strategy that avoids fees and penalties.

After graduation, students may have a grace period before they need to start repaying their private student loans. Once repayment begins, setting up automatic payments could provide a discount on the loan interest rate and help ensure you’re sticking to your debt payoff goals.

Recommended: Private Student Loan Forgiveness

The Takeaway

Private student loan certification is a required step for funds to be disbursed to your school. If your school doesn’t certify your private student loans, don’t panic. Reach out to your school’s financial aid office to determine if any errors have been made, then take the necessary steps to resolve it.

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

Can schools deny private student loan certification for any reason?

No. Schools deny private student loan certification if the amount exceeds the cost of attendance or if there are discrepancies in a student’s enrollment status.

What happens if a private student loan is disbursed without certification?

Private student loans cannot be disbursed until a school completes the certification process. In rare circumstances, students may be eligible for a false certification discharge if a loan was disbursed despite a student being ineligible to receive a loan.

Are there limits on the amount schools can certify for private student loans?

Yes, schools cannot certify private student loans exceeding the cost of attendance, minus any financial aid. Note that students can request a professional judgment to increase their cost of attendance, but these are granted on a case-by-case basis.


Photo credit: iStock/recep-bg

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.


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.

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College Scholarships for LGBTQ+ Students

Students who are looking for LGBTQ+ scholarships can find a wide range of options. Scholarships are considered gift aid, which means they don’t need to be repaid.

LGBTQ+ scholarships are offered by schools, organizations, cities, and states. There are also national scholarships available.

Read on to learn about scholarships for LGBTQ+ students, plus tips for applying for these awards that may help boost your chances of success.

Overview of LGBTQ+ Scholarships

Scholarships for LGBTQ+ students are essentially free money. Because scholarships do not have to be repaid, they can be an ideal way to make college more affordable and avoid student loan debt.

There are many different types of scholarships for LGBTQ+ students. For example, there are national scholarships as well as awards funded at the state and local level (in specific counties, cities, and municipalities), and at certain colleges and universities.

While some LGBTQ+ scholarships are based on academic achievement, it’s possible to find non-academic scholarships as well. Cast a wide net to see what’s available.

One good way to track down LGBTQ+ college scholarships is to use scholarship search tools and search engines like Campus Pride, Fastweb, Unigo, and the Human Rights Campaign.

National LGBTQ+ Scholarships

National LGBTQ+ scholarships are open to eligible students across the U.S. Here are some of the available options to explore

•   Aritzia scholarship: Established by fashion brand Aritzia, the Aritzia scholarship offers four one-time scholarships. Students must identify as lesbian, gay, bisexual, transgender, queer, intersex, asexual, or two-spirit, and be currently enrolled in an undergraduate or graduate program at a school in the U.S. They must also plan to work in, or show a strong commitment to, the fields of fashion design, retail management, mental health, or social justice advocacy.

Amount: $5,000

•   Traub-Dicker Rainbow scholarship: This one-year scholarship is for lesbians pursuing higher education. Eligible students can be graduating from high school or in any year of college, including graduate school. Applicants may qualify based on their academic achievement, community involvement, leadership, or commitment to LGBTQ+ issues.

Amount: $4,000

•   Point Foundation Flagship scholarship: Offered by the Point Foundation, the largest LGBTQ scholarship nonprofit organization, the Flagship scholarship is for lesbian, gay, bisexual, transgender, and queer students who are enrolled (or planning to enroll) at an accredited college or university in the U.S. To qualify, a student must be in a bachelor’s, master’s, or doctoral program, or in a professional degree program (such as medicine or law).

Amount: Based on need. The scholarship may be renewed for up to four years.

•   Point Foundation Community College scholarship: This scholarship is for LGBTQ+ community college students in the U.S. who are studying for an associate degree or are planning to transfer to a four-year college or university. They must have one to two years of community college left and be enrolled at least half-time.

Amount: $2,400 per semester or $4,800 per academic year

•   Point Foundation BIPOC scholarship: Students who identify as Black, indigenous, or a person of color, and LGBTQ, and are enrolled (or intending to enroll) in a postsecondary institution in the U.S. are eligible for this scholarship. To qualify, applicants must intend to pursue an associate, bachelor’s, master’s, doctoral, or professional degree.

Amount: Up to $1,500

Top 10 State-Specific LGBTQ+ Scholarships

In addition to national scholarships, there are a number of state-specific LGBTQ+ college scholarships students can also apply for.

LGBTQ+ Scholarships by State

The following states offer LGBTQ+ scholarships. If your state isn’t on the list, do some research to see if you can find applicable scholarships in your region to help with the cost of college. Other options to help cover the expense include grants, financial aid, and federal and private student loans.

1.    California: The Markowski-Leach Scholarships are for undergraduate or graduate LGBTQ+ students who are working to achieve a significant positive goal in academics, employment, committee work, or volunteering. Applicants must attend San Francisco State University; Stanford; the University of California, Berkeley; UC College of the Law, San Francisco; or the University of California, San Francisco; be enrolled in a full-time program leading to a degree or teaching credential, and earn at least a 2.5 GPA.

Award: $2,500 for up to two years of eligibility

2.    Colorado: The PFLAG Denver Scholarship Program offers scholarships to LGBTQIA+ students who demonstrate advocacy and a drive to build a more just and inclusive world.

Award: $2,500

3.    Florida: The Tampa Pride Foundation Scholarships are for LGBTQ+ students in Hillsborough, Pinellas, Polk, and Pasco counties that demonstrate financial need. Students must be U.S. citizens age 26 or younger who have completed high school or a GED. Preference is given to those who have overcome discrimination or marginalization, demonstrate leadership qualities, and have a strong academic performance.

Award: Up to $1,500

4.    Illinois: The Acorn Equality Fund provides scholarships to LGBTQ+ students who live in downstate Illinois (except for Cook, DuPage, Grundy, Kane, Kendall, Lake, McHenry, and Will counties) and attend an accredited post-secondary educational institution. Scholarships are awarded in six categories.

Award: $1,000 to $4,000

5.    Kentucky: Frontrunners Lexington offers two scholarships for LGBTQ+ seniors in public or private high schools planning to attend trade school, community college, or a four-year college or university. Students must reside in Anderson, Bath, Bourbon, Clark, Fayette, Franklin, Garrad, Harrison, Jessamine, Madison, Mercer, Montgomery, Powell, Scott, or Woodford counties.

Award: $2,500

6.    Missouri: Missourians can tap into a variety of scholarship opportunities through the Missouri Courage Scholarship, including the Missouri Courage Award, Rural Courage Award, Trans Courage Award, Fortier Courage Award, and Pay it Forward Award.

Award: $500 to $2,000

7.    New York: The Little Bird Scholarship for LGBTQ+ Immigrants offers financial help to refugees and individuals who are seeking or have been granted asylum. Applicants must be undocumented and enrolled at an accredited, nonprofit school in New York City. They must also be rising juniors or seniors.

Award: $18,000 for up to two years of school

8.    North Carolina: The Carter Stroupe Memorial Scholarship offers qualifying LGBTQ+ students and LGBTQ+-allied students scholarships for educational expenses. Students must exhibit courage and leadership in their schools and communities and reside in Guilford, Rockingham, Randolph, or Alamance County. Eligible applicants must also demonstrate service in the LGBTQ+ community or a desire to serve.

Award: Up to $2,000

9.    Upper Midwest: To qualify for the PFund Scholarship, applicants must be 17 or older, from the upper Midwest (Minnesota, Iowa, Wisconsin, North Dakota, or South Dakota), and enrolled in or admitted to a GED program, community college, four-year college or university, graduate school, trade school, professional certificate program, or apprenticeship program.

Award: $1,000 to $12,000

10.    Washington: Washington state residents can apply for the GSBA Scholarship and Education Fund. Applicants must identify as LGBTQ+, as a member of a LGBTQ+ family, or as a cisgender/straight ally who has demonstrated active support of the community. They should be enrolled at a community college, four-year public institution, or vocational/technical/trade school.

Award: $3,000 to $7,500

Tips for Applying for LGBTQ+ Scholarships

Once you’ve found LGBTQ+ scholarships you’d like to apply for, follow these five steps to make your application as strong as possible.

•   Review the requirements and directions. Make sure you meet all the scholarship’s eligibility requirements; find out what paperwork is needed, such as school transcripts; and double check the application deadline.

•   Ace the essay: If the scholarship application involves an essay component, be sure to highlight your achievements and accomplishments — this isn’t the time to be modest. Explain the impact you hope to make through your education, and how the scholarship would help you achieve your goals. This scholarship essay guide may be helpful as you’re putting your essay together.

•   Check your work. Proofread your entire application carefully. Look for any errors or typos. Make any necessary edits or tweaks to your essay.

•   Ask for letters of recommendation right away. If recommendations are required, reach out to a teacher or employer who can attest to the quality of your work and other achievements. Give them plenty of time to write the letter. You don’t want them to feel rushed.

•   Be prompt. Submit your application before the deadline.

The Takeaway

There are a wide range of scholarship opportunities for LGBTQ+ students that can help make college more affordable. Use scholarship search tools to look for state, local, and national scholarships. Because you don’t have to repay them, scholarships are a smart way to help reduce your education costs.

Another option to potentially help with student debt is to refinance your student loans. With refinancing, you replace your existing loans with a new loan with a private lender. You may be able to get a lower interest rate and better terms if you qualify for them. Just keep in mind that when you refinance federal student loans, you lose access to federal programs and protections like deferment and income-driven repayment.

Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.

With SoFi, refinancing is fast, easy, and all online. We offer competitive fixed and variable rates.

FAQ

How can I find LGBTQ+ friendly colleges?

One way to find LGBTQ+-friendly colleges is to use an online tool like the Campus Pride Index. It allows you to search a database of hundreds of colleges and universities across the U.S. that have worked to improve the academic experience and campus life for LGBTQ+ students. You can search for LBGTQ+-friendly colleges by region, state, and institution type.

What documents are required for LGBTQ+ scholarships?

Each LGBTQ+ scholarship has specific requirements. You may be asked to demonstrate financial need, send in school transcripts, and submit letters of recommendation, for instance. Read over each scholarship’s requirements and gather together all the materials you need before you apply.

How do LGBTQ+ guidelines differ from academic scholarships?

Some LGBTQ+ scholarships may be non-academic, which means you aren’t required to have a certain GPA to qualify. Other LGBTQ+ scholarships may have an academic component you’ll need to meet. Each scholarship for LGBTQ+ students is different. Review the requirements carefully so you understand exactly what’s needed for every scholarship you apply for.


Photo credit: iStock/RealPeopleGroup

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SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.


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.


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.

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.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

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.

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Guide to Student Loans from Credit Unions

Credit union student loans are offered by member-owned financial institutions to help you cover college costs. While banks and online lenders also offer private student loans, credit unions often stand out by providing no-fee loans with competitive interest rates.

In this guide, we’ll walk you through how credit union student loans work, explore your options, weigh the pros and cons, and explain how to apply.

What Are Credit Union Student Loans?

Credit union student loans are private loans offered by credit unions to help students pay for college or other educational costs. Depending on your situation, they can be a good alternative to loans from big banks or once federal student loans have been exhausted.

Advantages of Credit Union Student Loans

Credit unions are all about putting their members first. Because they prioritize people over profits, they can offer perks like lower interest rates and fewer fees. Some credit unions even team up with others to share resources, making things more convenient and affordable for you.

Advantages include:

Lower costs: As nonprofits, credit unions don’t focus on making money for investors. This allows them to pass savings on to you through lower interest rates and fewer fees, helping you save on loans.

Member-focused: Credit unions are dedicated to helping their members. You’re likely to receive personalized attention and support from representatives who take the time to understand your needs and recommend the best services for you.

Flexibility: Credit unions may be more flexible with loan eligibility requirements for members. They might be more willing to work with students who are considered high-risk or don’t have a cosigner.

Eligibility Requirements

To get a student loan from a credit union, you typically need to be a member. Each credit union usually has its own membership guidelines, which might require you to work in a specific industry, belong to a certain group, live in a particular area, or attend a specific school.

If you have a family member who’s already a member, you might be able to join through them. Many credit unions allow immediate family members to become members, which could give you access to a student loan.

Keep in mind, though, there might be a membership fee, typically between $5 and $25.

When it comes to getting a student loan, each credit union has its own criteria, just like banks and online lenders. While private lenders often look for a credit score of 670 or higher, you might still qualify even if your score is lower.

Recommended: Do Credit Unions Help You Build Your Credit Score?

Types of Credit Union Student Loans

Here’s a look at the types of student loans offered by credit unions. Keep in mind, though, that options vary by credit union.

Private Student Loans

Private student loans from credit unions are a way to help cover college costs. While it’s recommended to use federal financial aid first, a private student loan from a credit union may help bridge the gap. These loans often have competitive interest rates and flexible terms, making them an appealing option to finance higher education costs.

Unlike federal student loans, though, how much you can borrow and the interest rate you get usually depend on your credit and income.

Student Loan Refinancing

Some credit unions offer student loan refinancing options, which may help you streamline your student debt and potentially save you money. When you refinance with a credit union, you’re essentially getting a new loan to pay off your existing ones, whether your loans are federal or private.

In other words, credit union refinancing for student loans lets you consolidate your loans into one payment, potentially with a lower interest rate and better terms if you qualify. And with just one monthly payment to manage, handling your debt could become much less stressful.

Keep in mind, though, that refinancing federal student loans into private student loans makes it so you’re no longer eligible for federal benefits, such as student loan forgiveness programs and income-driven repayment plans.

Recommended: Pros and Cons of Student Loan Refinancing

How to Apply for a Credit Union Student Loan

Applying for a student loan from a credit union is a straightforward process, but it’s important to understand the eligibility requirements, necessary documentation, and application process.

Step 1: Check Eligibility

Before applying for a student loan from a credit union, you’ll typically need to become a member. Some credit unions will let nonmembers apply, but to receive a loan you must be a member. If you’re already a member, make sure you meet their lending requirements — like being enrolled at least half-time.

Also, double-check to see if your school qualifies for private student loans. If you’re attending a community college or trade school, not all schools may be eligible, so it’s important to confirm.

Step 2: Gather Required Documents

If you meet the eligibility requirements, you can typically apply online, by visiting a branch, or by reaching out to the credit union directly.

When you’re ready to apply, you’ll typically need to share some basic information, like your name, Social Security number, and proof of income. It’s a good idea to check your credit score first, as lenders typically look for borrowers with a solid credit history, a good credit score (670-739), and a certain level of income.

If you’re concerned you might not qualify on your own, think about getting a cosigner. A student loan cosigner could increase your chances of getting approved and might even help you get a lower interest rate and better terms.

Step 3: Compare Loan Options

You may want to compare lenders in order to get the best rate and terms for your situation. Some lenders let you get prequalified, which helps you explore your options. Since prequalifying only involves a soft credit check, it won’t affect your credit score and you can see potential rates and terms without any worries.

In addition to exploring credit unions, it’s worth checking out other lenders that might offer competitive rates and terms.

Step 4: Submit Your Application

Once you choose your credit union or another lender, you can submit your official application. The lender will then usually do a hard credit check, and you’ll get the final approval decision.

Repaying Your Credit Union Student Loan

With some private student loans, you’ll need to make payments during school, while others let you hold off until you’ve graduated. To find out which one applies to your loan, check with your loan servicer or take a look at your loan documents.

It’s also a good idea to ask if the interest that builds up during the time you’re in school will be added to your principal balance when repayment starts.

When it comes time to make your payments, where you pay depends on your loan servicer. Most servicers let you pay online, but it’s smart to confirm this before your payments begin.

Many servicers also offer automatic payments, which automatically deduct your monthly payment from your bank account. This can help you avoid missing payments or getting hit with late fees.

Recommended: 6 Strategies to Pay Off Student Loans Quickly

Tips for Managing Credit Union Student Loans

Here are a few tips for managing your credit union private student loans.

Make a budget. Knowing where your money goes each month is key to setting aside funds for loan payments. Review your income and expenses to see where you can cut back, and try to allocate more toward paying off your loans.

Compare repayment options. Unlike federal loans, repayment options with credit unions and other private lenders can vary. If you’re struggling to keep up with payments, check if your lender offers plans like interest-only repayments, which allow you to defer the principal.

Make extra payments. Whether it’s biweekly payments instead of monthly or tossing in extra cash when you can, paying a bit more here and there can help you pay off your loans faster. Just be sure to request that any extra funds go directly toward the principal balance.

Sign up for autopay. Many private lenders offer an automatic payment option. By enrolling in autopay, you can ensure you never miss a payment.

Focus on high-interest debt. If you have multiple student loans, paying off the one with the highest interest rate first could save you money in the long run.

Consider refinancing your loans. If managing your payments feels overwhelming, you can refinance your student loans. This allows you to combine multiple student loans into one, ideally with a lower interest rate or more favorable terms.

The Takeaway

Credit unions offer private student loans to help cover college expenses like tuition and books. Unlike federal student loans, these private loans don’t offer the same flexible repayment options or borrower protections. It’s best to use your federal aid first, and then turn to private student loans if needed.

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

Can you use a credit union for a student loan?

Yes, some credit unions offer private student loans to their members. These loans work similarly to those provided by banks or online lenders, often with competitive interest rates and additional member perks.

Are student loans from credit unions considered private?

Yes, student loans from credit unions are considered private since they’re funded by the credit union, not the government. While they don’t offer the same federal benefits and protections, they often come with competitive rates and special perks for members.

Is it more difficult to get a student loan from a credit union?

Getting a student loan from a credit union usually depends on your credit history and being a member. Membership might require living in a certain area or belonging to a specific group. But once you’re in, you could benefit from more personalized service and potentially better rates than what you may find with other lenders.


Photo credit: iStock/hobo_018

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.


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.

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What Is a Minor in College? A Comprehensive Guide

All college students are required to declare a major, but what about a minor? This is a question many students find themselves asking halfway through their college curriculum.

Knowing about what a minor is, what it entails, and if it’s something that can bolster your career can help determine if it’s really right for you.

Keep reading to learn more about what a college minor is, how it differs from a major, and the pros and cons that come with it.

Defining a College Minor

A college minor, sometimes referred to as a “mini major,” is a group of courses you take in a certain discipline. Minors in college can complement your chosen college major or be totally unrelated.

While most colleges don’t require a student to declare a minor, some do. Schools may have a definitive criteria about your choice of minor. For instance, you may not be able to pursue a minor in the same department as your major.

For the most part a college minor is voluntary, and a student may not feel it’s important enough to take on the additional coursework in addition to their main area of study. Instead, they may want to have complete freedom to use those class credits for electives that may not be as labor intensive.

Differences Between a Major and Minor

Your major is the main area of specialty that determines the type of bachelor’s degree you’ll earn. It’s the field of study you’ve chosen based on your professional aspirations. One way to think of it is that your major is your primary job and your minor is more of a side gig.

When you’re finally awarded your college diploma, it will be for your major, not your minor. That’s because a college minor is typically considered optional and not a requirement for your core curriculum. Even if your school is one that does require you to choose a minor, it won’t be reflected on your degree unless your school is one with an exception to that rule. However, it will most likely be included in your college transcript.

Another key distinction between a college major and a minor is the amount of coursework you have to complete and how much it counts toward your final credits. Depending on your school, a major will make up one-third to one-half of the school’s credits needed to graduate, which is typically 120 credits for a four-year program.

In general, a college major will require you to complete at least 10 courses compared to five to seven classes for a minor. A minor typically requires anywhere between 16 and 30 credits.

Recommended: Credit Hours: What Are They & Why They Matter

Benefits of Pursuing a College Minor

There are many upsides to tacking on a college minor. If you’re wondering whether or not it’s worth pursuing, consider these pros:

Explore Complementary Interests

A college minor related to your major allows you to expand your expertise in that related field. For instance, if you’re a biology major and decide to minor in chemistry, you’re already familiar with the basics of science and look at things from a scientific perspective. There are similar analytical skills you can apply.

But even if your minor is in a different area, there are still ways it can positively impact your major. An example is if you’re majoring in political science, you may want to minor in public speaking, which can be helpful if you have any ambitions to run for elected office.

You may even find your minor is more exciting and decide to change your major to that area of interest, or decide to combine the two disciplines and pursue a double major.

However, before making any big changes, it’s a good idea to talk to your academic advisor. Depending on when you decide to do a change-up, it could add extra time toward getting your degree. This can translate into additional costs and more student debt.

Develop Secondary Skill Sets

Regardless of whether your minor directly corresponds to your major, you’re acquiring and polishing both hard and soft skills. Those more technical hard skills can be directly applied to the type of work your career requires. Soft skills, on the other hand, are more of a social and interpersonal nature. Both are important to employers and offer skills they want their prospective employees to have under their belt.

Enhance Marketability and Job Prospects

Homing in on a subject offers you the opportunity to develop more of an in-depth knowledge and expertise. A minor shows your well-roundedness, flexibility, and the ability to wear other hats. For example, a marketing major who minored in communications can be an asset in the areas of advertising, journalism, and public relations.

A complementary minor can also give you a more solid base and deeper understanding of some issues you may deal with in your occupation. If a nursing major chooses to minor in psychology, it can help them better understand patient behavior.

Overall, a minor shows a level of seriousness and willingness to challenge oneself. These are qualities that can go a long way and put you at an advantage when applying for your first job out of school, graduate school, or even for a college internship.

Recommended: 6 Ways to Save Money for Grad School

Popular College Minor Options

There are certain college minors that attract more students than others. Here are some popular ones:

STEM Minors

STEM, which stands for science, technology, engineering, and math, consists of natural, physical, and life sciences; computers; electronics and other types of tech; all kinds of engineering; mathematics; and areas that rely on the principles of math. Examples of STEM minors include computer science, kinesiology or exercise science, civil engineering, and statistics.

Deciding on a STEM subject for your minor can give you a leg up in the job market. According to the U.S. Bureau of Labor Statistics, job opportunities in the STEM field are expected to grow 7% by 2032, compared to 2% for all occupations.

Business Minors

With a business minor, you can take classes in accounting, marketing, human resources, and e-commerce. Choosing business as a minor allows you to learn the fundamentals of business, which can be extremely valuable and practical out in the real world.

Knowing more about how business is conducted and becoming more savvy about finance benefits you both professionally and personally. Career-wise, it can come in handy if you’re applying for a job that may require a deeper understanding of certain business practices. In your own life, you may even get a better handle on your own financial situation when it comes to managing private student loans and staying on top of how to pay for college.

Recommended: 4 Student Loan Repayment Options and How to Choose the Right One for You

Liberal Arts Minors

Liberal arts is a field with a broad range of disciplines, including creative arts, social sciences, humanities, and more. People who decide to minor in liberal arts may choose sub-studies in English, psychology, sociology, anthropology, philosophy, or communication.

For someone with a very demanding major, a liberal arts minor can offer a less taxing curriculum. Instead of being geared toward technical skills, liberal arts classes give students an opportunity to focus on critical thinking, collaboration, creativity, and verbal and written communication skills.

Language and Cultural Minors

Minors specializing in different aspects of cultural heritage and language can expose a student to different world views, beliefs, and practices.

A foreign language minor allows you the ability to become bilingual or multilingual, which is a huge asset in the workforce where there’s an increasing demand for people who speak other languages. You may want to expand on your high school language classes or minor in a completely new one.

A language minor may also be one in linguistics, which is the study of language structure, including phonetics, syntax, semantics, and the history of how language has changed over time. Students may also find there’s an option at their college to minor in American Sign Language.

Cultural studies minors are designed to study all types of cultures, their histories, and perspectives. These can include groups based on class, gender, ethnicity, race, religion, and geographical location. Classes in popular culture, women’s studies, world religions, and African-American or Asian studies are some examples of cultural studies minors.

Choosing a Complementary College Minor

Picking a minor in general adds extra knowledge and allows you to build more expertise in another subject. Minoring in a complementary course of study, however, shows you’re serious about exploring an area that closely aligns with your major.

Regardless of whether your minor directly corresponds to your major, you’ve decided to use a portion of your credits toward another group of required classes, and that indicates a commendable level of focus and commitment.

Potential Drawbacks of a College Minor

There are some cons that can come with declaring a minor. For one, a minor can take up a lot of time, so you’ll want to make sure it’s an area you’re genuinely curious about and have a real interest in. Consider the amount of work you’ll have to do, such as writing papers, studying, and taking exams. These additional classes could end up adding unnecessary stress to your major’s workload.

A minor could also end up costing you more money, especially if you declare a minor late in the game. You may not be able to get all the necessary classes before graduation, which means you may have to extend your education by a semester or more.

The Takeaway

A minor is, in most cases, an optional supplementary course of study that can broaden your knowledge, expand your skill set, and open up more career options after graduation. Having a college minor can also make your undergrad studies a lot more fun, especially if it’s a topic where you have a strong personal interest.

Ways to finance your minor include cash savings, scholarships, grants, and both federal 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

What’s the difference between a minor and concentration?

A minor can be a secondary course of study in any area, while a concentration is a sub-group of structured classes that directly relate to your major. For example, if you’re an English major, your concentration may be in creative writing, made up of poetry, fiction, nonfiction prose, and dramatic writing classes.

Do minors appear on your diploma or transcript?

Minors will appear on your transcript, but the mass majority of colleges and universities don’t include it on your diploma. The standard practice is to list only the student’s major on their bachelor’s degree.

How late in your college career can you add a minor?

Most colleges ask students to choose their major by the end of sophomore year or beginning of their junior year, which can also be an ideal time to choose a minor. You could declare it before you start your senior year, but it’s important to consider the fact you’ll have to cram all of that minor’s classes into one year’s time. This could impact your graduation date if you need to carry your studies over to another semester in order to fulfill your minor’s requirements.

Do minors impact financial aid eligibility?

It depends. Federal financial aid rules mandate only courses required for your major and degree program are eligible. However, classes required for a minor may be eligible for financial aid if they also satisfy major, core, or elective requirements for your degree. Otherwise, financial aid will be reconfigured or removed to reflect eligibility based on qualifying courses.


Photo credit: iStock/Drazen Zigic

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.


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.

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