Top 10 Scholarship Essay Tips

College Scholarship Essay Writing Guide

Scholarships can be a great way to get help paying for college, but unfortunately the competition for these awards can be intense. Many college scholarships require writing an essay as a part of the application process.

Writing an exceptional college scholarship essay stand out is just one thing that can help set your application apart from the rest. Continue reading for tips on crafting a strong college scholarship essay.

Key Points

•   Planning ahead is crucial when writing a scholarship essay, allowing ample time for drafting, revising, and meeting deadlines for multiple applications.

•   Customizing the essay for the scholarship provider’s values and mission enhances its impact, making it more memorable to the reviewers.

•   Following all application instructions carefully is essential, as failure to do so can lead to disqualification regardless of the essay’s quality.

•   Crafting a compelling introduction and maintaining a consistent style throughout the essay can significantly improve the reader’s engagement and impression.

•   Highlighting personal achievements and goals, while thoroughly proofreading for errors, ensures a polished and persuasive scholarship application.

1. Plan Ahead

Let’s start with one of the most practical tips for writing a scholarship essay. The first step to success when writing a college scholarship essay is to not procrastinate. Plan ahead to make sure there is plenty of time to write the essay, review it, and edit it.

It’s also important to write down the deadline and to set reminders as that deadline nears. If you’re applying for multiple scholarships consider setting up a tracker with important deadlines and application requirements so you can stay on top of the needs for each application.

Allowing enough time to write and edit can help you improve the quality of the essay, instead of trying to cram at the last minute.

2. Write to Your Audience

All scholarship providers are looking for students who meet certain criteria. Often this criteria includes students who have experiences or interests that match the mission of their organization.

Spending some time researching the organization offering the scholarship can help give essay writers the ability to customize their essay to their unique audience. If their writing can illustrate an alignment of values, their essay may be more memorable.

3. Read the Instructions and Follow Them

Before starting an essay, students should take their time to carefully read all application instructions and make a plan to follow them. No matter how strong an essay is, if the applicant fails to follow the instructions they may find themselves disqualified from the competition.

4. Pick a Topic You Care About

Because scholarship application essays can feel like a lot of work, it’s helpful if the writer chooses a topic they are really passionate about. Their essay will come across as more genuine and meaningful if they care about what they are writing about which will make a stronger impact on the scholarship committee than if they chose to write about a more generic topic.

5. Crafting a Strong Introduction

The introduction is the first chance the student has to capture the attention of their essay reviewer. It’s a good idea to spend some extra time crafting a compelling introduction so that the reader is interested, and excited, to finish the essay.

6. Pay Attention to Style

College scholarship essay reviewers will be more impressed by essays that take spelling, grammar, and general style into account. Read and re-read your essay to ensure that the tone of voice is consistent and there are no grammatical errors. Get some other opinions on the writing too. Consider asking teachers, counselors, or trusted friends or family members to review the essay before submitting it. A second set of eyes can go a long way in catching spelling, grammar, or style issues.

7. Follow a Pre-Planned Structure

To avoid having a messy essay, starting with an outline can help. Sit down and create a pre-planned structure before starting to write the actual essay. It can be helpful to think about how to incorporate the following messages into the outline.

•  Who are you? And why are you who you are?

•  What have you accomplished?

•  What are you hoping to accomplish in school and after school?

•  Why do you need a scholarship?

•  How will a scholarship make a difference?

8. Show, Don’t Tell

Another key scholarship application essay tip is to show, not tell. What do we mean by that? Instead of telling the reader exactly what they need to know, show them what they need to know.

For example, if a student wants the reader to know they are committed to their community, instead of saying “I am committed to my community” they can show this by saying, “I volunteer at my local dog shelter and beach clean up organization to help improve the life in our community for all residents and pets.”

9. Sell Yourself

It’s important to use the space in a college scholarship application to highlight achievements and how the scholarship will make it possible to achieve future goals. Pick a few select accomplishments or traits to focus on so the essay isn’t too heavy handed, but don’t shy away from being complementary.

10. Reread and Spell Check, Spell Check, Spell Check

We mentioned paying attention to spelling and grammar earlier, but as a friendly reminder don’t forget to do one last spell check at the end. This is one of the most important scholarship essay writing tips to keep in mind.

Our eyes get used to seeing what we type, so print out the essay and review it on paper to catch typos you may have missed on the screen. This is another time it’s a good idea to ask for a second set of eyes to look at the essay and to flag any errors. Be especially careful to double check the spelling of the name of the scholarship or organization.

Alternatives to Scholarships

Scholarships generally don’t need to be repaid and finding this free money for college can be an incredibly helpful resource for students trying to pay for college. Spending time applying for scholarships is well worth it. In addition, students may also rely on alternative funding sources to pay for college.

Some common funding sources include grants, federal student loans or private student loans. To apply for federal financial aid, students will need to fill out the Free Application for Federal Student Aid (FAFSA®) each year. This application will allow students to find out if they qualify for federal grants, scholarships, work-study and federal student loans. Some colleges use information provided on the FAFSA to determine institution-specific awards. Continue reading for more information on alternatives to scholarships.

Grants

Similar to scholarships, recipients of grants don’t usually need to pay back the money they’re given. Students can check with their college’s financial aid office to learn more about available grants and can fill out the FAFSA annually to see if they qualify for any grants.

Financial Aid

Alongside grants and scholarship, students can also consider pursuing other types of financial aid such as work-study jobs designed to help students earn money to pay for school. Those who served in the military or are the spouse or child of a veteran may be eligible for aid and students who are studying internationally may qualify for unique types of financial aid.

As mentioned, to apply for federal financial aid students will need to fill out the FAFSA each year they are in school.

Private Student Loans

Private student loans come from a variety of different financial institutions and they can help fill any financial gaps left after using financial aid and federal student loans to pay for college. To apply, students will need to file applications directly with the private lenders.

Private student loans don’t necessarily offer the same benefits as federal student loans — like deferment options or income-driven repayment plans. For this reason, students generally consider private student loans after thoroughly reviewing all other options.

Federal Student Loans

Whether someone is an undergraduate or graduate student, federal student loans — which are funded by the U.S. Department of Education — usually have better interest rates and terms than private student loans do and they come with unique federal protections like income based repayment plans.

The Takeaway

Scholarships are a great way to get some financial relief when paying for school, but students shouldn’t expect scholarships to cover all of their higher education expenses. Many students will use a combination of scholarships, grants, savings, and student loans to pay for their education.

When federal student loans and other sources of funding aren’t enough to fully foot the bill, private student loans can be an option to consider. SoFi private student loans have absolutely no fees and allow borrowers to select one of four flexible repayment plans.

SoFi private student loans offer competitive interest rates for qualifying borrowers. Find out if you prequalify in just a few minutes.

3 Student Loan Tips

1.   Can’t cover your school bills? If you’ve exhausted all federal aid options, private student loans can fill gaps in need, up to the school’s cost of attendance, which includes tuition, books, housing, meals, transportation, and personal expenses.

2.   It’s a good idea to understand the pros and cons of private student loans and federal student loans before committing to them.

3.   Even if you don’t think you qualify for financial aid, you should fill out the FAFSA form. Many schools require it for merit-based scholarships, too. You can submit it as early as Oct. 1.

FAQ

How do you start or address your scholarship essay?

To start off a college scholarship essay, it can be helpful to address: what, what, when, where, and why. This way the reader will know the basics of who the student is and why they are applying for the scholarship.

What is the most important thing to avoid in a scholarship essay?

Unnecessary mistakes are the most important thing to avoid when writing a scholarship essay. Double check for spelling or grammatical errors, make note of any key deadlines, and be sure you are fulfilling all application requirements.

How long should scholarship essays be?

All scholarship essays will have different length requirements. Double check the desired word count for the essay before submitting it.


About the author

Jacqueline DeMarco

Jacqueline DeMarco

Jacqueline DeMarco is a freelance writer who specializes in financial topics. Her first job out of college was in the financial industry, and it was there she gained a passion for helping others understand tricky financial topics. Read full bio.



Photo credit: iStock/InspirationGP

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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.

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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Top Medical School Scholarships For Students

Top Medical School Scholarships For Students

Attending medical school can be an extremely rewarding path, but it can also be an expensive one. Luckily, there are some great medical school scholarships that can help ease the financial burden. Students thinking about attending medical school, or those who are currently enrolled, may want to look into scholarships for medical school.

There are plenty of scholarships for medical students as well as general scholarships that could help you cover the cost of college. Here’s a roundup of the best medical student scholarships, how much they’re worth, and how to apply for them.

Brown Medical and Educational Foundation Scholarship

Dollar amount: Approximately $1,000

Application process: To apply for this scholarship, students must complete an application, submit an official college or university transcript in a sealed envelope, and submit three letters of recommendation.

Eligibility: To qualify for this scholarship, which could help with paying for college, students must be an undergraduate or graduate student pursuing a degree at a U.S. based four-year university while studying a healthcare degree such as nursing, dentistry, medicine, and allied health. They must have a GPA of 2.5 or higher. Recipients must also identify as a member of select ethnic groups and must be U.S. citizens.

Recommended: Finding Free Money for College

Chinese American Physicians Society Scholarships

Dollar amount: $3,000 to $5,000

Application process: The application for the 2023-2024 school year is set to open in December 2023. Applicants can expect to submit essays as a part of the application.

Eligibility: To receive a Chinese American Physicians Society Scholarship, applicants must be a student at a U.S.-based medical school. Applicants are judged on their financial needs, academic achievements, essays, and community service records. Special credit is given to applicants who are planning to serve Chinese communities after they graduate.

Dolores Zohrab Liebmann Fund

Dollar amount: Covers the cost of tuition, plus an additional stipend for living expenses

Applicant process: The Dolores Zohrab Liebmann Fund requires students to submit their application through the dean of the university at the school they are attending for graduate studies. Students can connect with their school’s fellowship or financial aid office to learn more about what the application process looks like for students at their school. Only certain schools participate in this program.

Eligibility: Students must be U.S. citizens and attend a U.S.-based accredited and designated higher education institution as a graduate student in the fields of humanities, social sciences or natural sciences. They must have an outstanding record as an undergraduate and have financial need. National descent is not taken into consideration.

Recommended: Finding & Applying to Scholarships for Grad School

The Hispanic Health Professional Student Scholarship

Dollar amount: For the 2023-2024 school year, the National Hispanic Health Foundation will give awards of $5,000 annually for up to four years, plus individual scholarship awards of $2,00 each. Overall, the NHHF has awarded $1,954,000 to 346 awardees as of January 2023.

Application process: By September 15, 2023, applicants must submit the following supporting documents as a part of their application for the The Hispanic Health Professional Student Scholarship:

•   Personal statement or essay that is double-spaced and a maximum of two pages outlining their career goals

•   Curriculum vitae that shares up to date employment experience, education history, extracurricular activities, and awards

•   One letter of recommendation

•   Proof of their U.S. citizenship DACA status, or residency

•   Unofficial copy of their school transcripts

•   Proof of enrollment

Eligibility: To be eligible for this scholarship opportunity, students must have a 3.0 GPA and be currently enrolled full time in a U.S. graduate program studying one of the following subjects:

•   Medicine (allopathic or osteopathic)

•   Dentistry

•   Pharmacy

•   Nursing (including BSN)

•   Public Health

•   Physician Associate

Joseph Collins Scholarship

Dollar amount: $10,000

Application process: Applicants for the Joseph Collins Scholarship must demonstrate an interest in the arts and letters or another type of cultural pursuit that falls outside of the field of medicine and needs to show an intent to specialize in psychiatry, neurourology, or become a general practitioner.

Eligibility: The moral character of the applicant and their scholastic record will be taken into account. Students who are attending medical schools east of the Mississippi river and are ranked in the top 50% of their class are eligible to apply.

The National Health Service Corps Scholarship Program

Dollar amount: Full year of scholarship support (tuition and fees plus monthly stipends) for up to four years).

Application process: To apply for the National Health Service Corps Scholarship Program, applicants must pass an eligibility screening, submit general information about themselves, their degree, and their backgrounds, as well as providing two letters of recommendation, and writing an essay.

In return, recipients of this scholarship will work in primary care in Health Professional Shortage Areas (HPSAs). The time commitment may vary based on how much aid the student received.

Eligibility: To be eligible for this scholarship, applicants have to be either a U.S. citizen or a U.S. national and be able to submit proof of their status. Applicants must also be enrolled as full-time students and attend an accredited school or academic program in the U.S. or in a U.S. territory. They must be studying to be a physician, dentist, nurse practitioner, nurse midwife, or physician assistant.

MPOWER Global Citizenship Scholarship

Dollar amount: One $10,000 award and two $2,000 awards

Application process: To apply for this scholarship program, applicants must complete the application form provided by MPOWER. There is one essay question.

Eligibility: Recipients of the MPOWER Global Citizenship Scholarship must be international students that are legally allowed to work and attend school in either the U.S. or Canada. They must also be enrolled in a U.S. or Canadian school that MPOWER supports.

Paul & Daisy Soros Fellowships for New Americans

Dollar amount: Up to $90,000 in financial support over two years.

Application process: In order to apply for the Paul & Daisy Soros Fellowships for New Americans, students must submit the following information and materials in an online application.

•   Personal and contact information

•   Higher-education history

•   Information about the graduate program they are seeking support for

•   Three to five recommendations

•   Resume

•   Two essays

•   College and graduate school transcripts

•   Standardized test scores

•   Optional exhibits (such as artwork, examples of written work, and so on)

Eligibility: Applicants must be aged 30 or younger by the time of the application deadline and need to plan on either starting or continuing a full-time graduate degree program in the U.S.

Students may apply before they begin graduate school or while they are enrolled. Applicants must also meet the scholarship’s definition of “new American,” which is an individual whose birth parents were born outside of the U.S. as non-U.S. citizens.

Pisacano Scholars Leadership Program

Dollar amount: $7,000 per year up to four years.

Application process: Applications can be mailed or emailed and must included the following information:

•   Official copy of undergraduate and graduate school transcript if applicable

•   Official copy of medical school transcript

•   Copy of MCAT scores

•   Copy of USMLE score or COMLEX score

•   Copy of current CV

•   Essay

Eligibility: In order to qualify for the Pisacano Scholars Leadership Program, applicants must be third-year medical students who have demonstrated a strong commitment to the specialty of family medicine.

Leadership skills, academic achievements, communication skills, identifiable character and integrity, and community service involvement will all be taken into consideration.

How Student Loan Refinancing Can Help

Those students who already have medical school debt and may no longer be eligible for medical school scholarships may want to consider refinancing their existing student loans. Under the right terms, refinancing student loans could help lower their monthly payments. Refinancing student loans involves consolidating student loans through a private lender into a new loan that ideally comes with a lower interest rate and better term.

If the applicant can secure a better interest rate, they may end up paying less over the life of their loan. However, if they lengthen the term of the loan to reduce their monthly payments, they may end up paying more in interest over the life of the loan.

When a borrower applies to refinance their loan or loans, the lender will generally take their credit score, credit history, and other key financial information into consideration to determine their rates and terms.

It’s important to know that refinancing federal student loans into private ones causes the borrower to lose out on federal protections such as forbearance, deferment, and income-driven repayment plans.

Recommended: Private vs. Federal Student Loans

The Takeaway

Scholarships can be an effective way to help medical students pay for med school.

Application processes and eligibility requirements will vary from scholarship to scholarship so it may be helpful to explore and research different scholarships that fit your unique educational and personal profile.

If you’re interested in refinancing your student loans, SoFi offers loans with flexible terms and no fees. A student loan refinance calculator can help you determine if refinancing makes good financial sense for you.

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


About the author

Jacqueline DeMarco

Jacqueline DeMarco

Jacqueline DeMarco is a freelance writer who specializes in financial topics. Her first job out of college was in the financial industry, and it was there she gained a passion for helping others understand tricky financial topics. Read full bio.



Photo credit: iStock/JohnnyGreig

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.

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.

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.


SoFi Student Loan Refinance
Terms and conditions apply. SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Lowest rates reserved for the most creditworthy borrowers.
Learn more at SoFi.com/eligibility. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

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What Is a Fully Funded PhD Program and How Do I Find One?

If you are motivated, you may decide to pursue a PhD program in your given field of study. However, you are probably aware that doing so not only requires time and energy but can also be an expensive proposition. According the Education Data Initiative, the average cost of a doctorate degree (which typically takes four to eight years) is $150,835. The average student loan debt for this kind of degree is $112,080.

That can be a daunting sum, but a fully funded PhD program can offset part or all of these costs. In addition to financing tuition and fees, these programs usually provide a stipend to help cover living expenses. Some may also pay for any research and travel necessary for students to complete their graduate degrees.

Since this can make a huge difference in a prospective student’s financial outlook, here’s a closer look at fully funded PhD programs, how they work, and how they can help lower the cost of a degree.

Key Points

•   Fully funded PhD programs cover all tuition fees and often provide a stipend for living expenses.

•   These programs may also support research and travel necessary for students to complete their degrees.

•   Prospective students should explore various funding sources, including federal grants, state and local grants, and private scholarships.

•   Debt forgiveness programs, such as Public Service Loan Forgiveness, are available for qualifying graduates in specific sectors.

•   Applying for fully funded positions is competitive, and candidates are advised to thoroughly research and apply to programs that align with their academic and professional goals.

What is a PhD Program?

PhD programs, also known as doctoral programs, are often a next step after a master’s degree. They give students the opportunity to do graduate-level research in the field of their choice and earn the highest degree possible (sometimes referred to as a terminal degree). They span a variety of subjects, such as engineering, English, public health, and computer science.

The application process for a PhD program can be competitive, and the programs themselves can be very time-consuming, taking (as mentioned above) on average between four and eight years. Working while pursuing these specialized degrees can be challenging, which is why it can be so helpful when a program offers an annual stipend.


💡 Quick Tip: Ready to refinance your student loan? You could save thousands.

What Does Fully Funded Mean?

In a fully funded PhD program, the student typically receives full tuition reimbursement and a stipend to help cover the cost of living while pursuing the degree. Programs have varying funding requirements.

In some cases, students may receive a “no-strings-attached” fellowship. This means they receive funding but don’t owe the university anything aside from their research.

In many cases, to receive funding, a student will need to work part-time for the university by providing teaching or administrative assistance. These experiences can give students an opportunity to build out their resume while helping them pay for graduate school.

More often than not, these graduate fellowship positions are the main way to receive full funding to attend a PhD program and are commonly offered in research-based degree programs. Some fellowships may be offered in the form of scholarships or stipends, which are not usually taxed as income by the IRS (Internal Revenue Service).

Schools may also offer assistantships, where students earn an income from the university. Generally, these positions are given to doctoral students who are doing research in order to complete their theses or dissertations. Assistantships can be taxed as income.

While all PhD programs have their own unique funding packages, many fully funded programs are designed to help students cover a variety of costs. Here are some common ones.

Tuition and Fees

Typically, fully funded PhD programs provide students with so-called “tuition waivers.” The waivers cover the cost of attending the university, including tuition and fees. In some cases, book stipends, reduced-fare transit passes, and other benefits are included to lessen the student’s financial burden.

Recommended: How to Pay for Grad School

Living Expenses

Whether through fellowship funding or a university job, students in a fully funded PhD program can receive a stipend to pay for food, rent, transportation, and other living expenses.

Depending on a student’s cost of living and lifestyle choices, these lump sums might not be enough to fully cover costs. This may be especially true during the summer, when stipends are less likely to be given out. If their program does not offer summer funding, students might choose to work part-time or take out loans to make ends meet.

Recommended: Using Student Loans for Living Expenses Off Campus

Health Insurance

While many doctoral programs include health insurance benefits, some do not. As you’re exploring graduate school programs, it’s a good idea to find out if it provides this important type of coverage.

Generally, student health insurance packages only cover care and services at on-campus facilities. Some programs automatically enroll their students in one type of healthcare plan, and others allow students to choose their plan during the annual open enrollment period.

If a student is married or has dependents, they may be able to add them to their student health insurance plan for an additional cost.

Research and Travel Funding

If necessary, some programs allow doctoral students to apply for funding to help them conduct their research or travel to conferences, archives, or summer programs. This is something students apply for on an as-needed basis and is not a guarantee.

In some cases, students will pay the costs up front and then be reimbursed. Grants and scholarships can also help cover research and travel expenses.

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How to Find a Fully Funded PhD Program

There are sites that allow you to search for various PhD programs around the world. But one of the best ways to discover which programs are fully funded can be by conducting your own research.

•   Before submitting an application to a PhD program, learn more about the university’s resources, faculty members, and requirements for graduation. Look into the specifics of the funding options available at each university you plan to apply to, as PhD programs may address funding differently. Often, schools will include information about these opportunities on their website.

•   While some universities automatically give grants or fellowships to their admitted students, others make their students complete a separate funding application. These applications can require submitting letters of recommendation or personal statements and can have deadlines that are different from the application deadline for the doctoral program.

Recommended: what is considered full time student

Examples of Fully Funded PhD Programs

It’s possible to find fully funded PhD programs across a variety of subjects at many different schools. From a PhD in biological sciences at Harvard to education at Stanford to nursing at Duke, fully funded PhD programs cover an array of study areas.


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Paying Down Student Loan Debt

If you have student loan debt from an undergraduate or master’s degree that you want to pay down before or during a PhD program, you might consider exploring student loan refinancing. Refinancing could help you save money in interest over the life of the loan and pay down your debt faster.

Student loan refinancing involves taking out a new loan at a new interest rate and/or a new term that can be more favorable than the current rate or terms you currently have. It is possible to refinance both federal and private student loans.

But there are two important caveats:

•   When you refinance federal student loans with private loans, you forfeit access to federal benefits and protection, such as forbearance, forgiveness, and income-driven repayment plans.

•   Also, if you refinance for an extended term, while your monthly payments may decrease, you can pay more in interest over the life of the loan.

Think carefully about these points when deciding if refinancing could be the right option for you.

The Takeaway

Pursuing the highest possible graduate degree can be expensive, but a fully funded PhD program can offset all or part of the costs. Programs vary from school to school, but they typically cover the cost of tuition and may include a stipend to help finance living expenses and more. In some cases, PhD candidates will be required to do research or teach as part of the agreement to receive funding. Students can also explore other ways to cover the cost of school, including scholarships or grants.

In addition, PhD candidates who are paying off student loans from an undergraduate or master’s degree may want to consider student loan refinancing. Doing so with federal loans via a private loan means forfeiting federal benefits and protections. Also, refinancing for an extended term could mean paying more interest over the life of the loan.

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.


About the author

Jacqueline DeMarco

Jacqueline DeMarco

Jacqueline DeMarco is a freelance writer who specializes in financial topics. Her first job out of college was in the financial industry, and it was there she gained a passion for helping others understand tricky financial topics. Read full bio.



SoFi Student Loan Refinance
Terms and conditions apply. SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Lowest rates reserved for the most creditworthy borrowers.
Learn more at SoFi.com/eligibility. SoFi Refinance 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.


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.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

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Best Scholarships for High School Juniors: Class of 2026

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.

Key Points

•   Scholarships can help high school juniors reduce college costs without needing repayment.

•   Merit-based awards often require strong academic performance, leadership roles, or community service.

•   No-essay scholarships, like sweepstakes and video-based awards, are easier to apply for but highly competitive.

•   Top scholarships include the United States Senate Youth Program, Voice of Democracy, and Create-a-Greeting Card Contest.

•   Applying early and to multiple scholarships increases the chances of receiving financial aid for college.

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 2025 and 2026:

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

Ashley Kilroy

Ashley Kilroy

Ashley Kilroy is a seasoned personal finance writer with 15 years of experience simplifying complex concepts for individuals seeking financial security. Her expertise has shined through in well-known publications like Rolling Stone, Forbes, SmartAsset, and Money Talks News. Read full bio.



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.

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Who Actually Owns My Student Loans?

Your student loans are owned by the government or a financial institution like a bank, credit union, or online lender. Who owns your student loans depends on the type of loans you have.

Knowing which organization or entity owns your student loans is important for managing your payments — and for anyone who wishes to be an informed consumer. Here’s how to find out who owns your student loan debt.

Overview of Student Loan Ownership

Federal student loans are typically owned by the U.S. Department of Education (DOE), while private student loans are owned by the private lender who issued them.

However, both the DOE and private lenders may partner with a third party known as a loan servicer to manage your loans. The loan servicer handles billing and can also help you with repayment options, such as loan consolidation or income-driven repayment (IDR) plans for federal loans. Whether your loans are federal or private, your loan servicer is your resource for any questions or issues.

Student loan servicers can change, however. This can happen if your student loan is sold to another company, for instance. In this case, you should receive a notification by mail or email about who your new servicer is and where to send your payments. But even if you miss the notice, it’s still your responsibility to make sure your loan payments get to the new loan servicer by the due date.

If you choose to refinance your student loans, potentially for a more favorable interest rate or term, you will get a new lender and loan owner in the process.

💡 Quick Tip: Refinancing comes with a lot of specific terms. If you want a quick refresher, the Student Loan Refinancing Glossary can help you understand the essentials.

Identifying Federal Loan Servicers

Your federal loan servicer is typically who you reach out to for anything related to your federal student loans. It’s important to know who they are and how to reach them.

How to Find Your Federal Loan Servicer

Once the DOE disburses your federal student loan, they will assign a loan servicer to manage it. The loan servicer will usually contact you directly. That way, when it’s time to start paying back student loans, you’ll know who to reach out to.

If you didn’t save their contact information, finding common student loan servicers is usually simple. Just log into your account dashboard at StudentAid.gov and go to the “My Loan Servicers” section. Or call the Federal Student Aid Information Center (FSAIC) at 800-433-3243.

The DOE sometimes moves student loans from one loan servicer to another. This transfer simply means a different company will be handling your loan and helping you manage it. For instance, you could talk to them about different student loan repayment options if you’re looking for another plan.

If your loan is transferred, the new loan servicer will typically inform you of the change by email or letter. Update your payment information with your bank or adjust the payment method for your monthly student loan bill to make sure your payments go through smoothly. Also, set up an account with the new servicer and double-check that your personal information is accurate so they can reach you if needed.

Identifying Private Loan Lenders

Determining who owns your private student loan can be a little more complicated. Here’s how to do it.

Checking Private Loan Ownership

There’s no one central website for private student loan servicers like there is for federal loans. To find out who owns your private student loans, you’ll need to individually contact each of your lenders.

Another option is to get your credit report from one of the three credit bureaus. Private lenders usually report loans, including student loans, to the credit bureaus, and the loan servicer should be listed on the report.

Why Loan Ownership Matters

Knowing who owns your student loan is critical for managing your student loan debt. Whether you’re still in college and not yet repaying your loans, or you’re paying off student loans early, your loan servicer is the one who handles the transactions and answers any questions you might have. They can also explain different repayment options and be a resource if you’re facing financial difficulties.

If you don’t know who your servicer is, you might miss important updates, payment deadlines, and opportunities to adjust your repayment plan.

The Takeaway

If you have federal student loans, the government owns your loans. With private loans, your loans are owned by a private lender. Both entities often use loan servicers to handle payments for your loan, so be sure to find out who your loan servicer is.

The owner of your loan may change over time. Student loans can be transferred or sold to other lenders. And if you decide to refinance your student loan — say, because you qualify for a lower interest rate or better term — you’ll get a new lender as part of that process.

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

Can student loans be sold to other lenders?

Yes, a lender can sell your student loans. They may do so to free up capital and make other loans. Typically, the new owner of the loan will notify you of the change of ownership. Be sure to update your payment information with the new lender.

How can I find out who services my loans?

If you have federal student loans, you can log in to your account dashboard at StudentAid.gov and click on the “My Servicers” section to see who your loan servicer is. For private student loans, contact your lender directly for the information or pull your credit report, which should have the loan servicer listed.

What if I don’t recognize my loan servicer?

If you come across a loan servicer you don’t recognize, it’s a good idea to make sure they’re legitimate. Check with your lender to find out if this is the servicer they’re working with. Don’t give out any personal or sensitive information to anyone you don’t know. Be alert for scammers offering to help you with payments or loan forgiveness. Report anything that feels off or questionable. You can file a complaint online with the Department of Education’s Federal Student Aid.


About the author

Ashley Kilroy

Ashley Kilroy

Ashley Kilroy is a seasoned personal finance writer with 15 years of experience simplifying complex concepts for individuals seeking financial security. Her expertise has shined through in well-known publications like Rolling Stone, Forbes, SmartAsset, and Money Talks News. Read full bio.



Photo credit: iStock/Pla2na

SoFi Student Loan Refinance
Terms and conditions apply. SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Lowest rates reserved for the most creditworthy borrowers.
Learn more at SoFi.com/eligibility. SoFi Refinance 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.


Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

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.

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.

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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