Paying for college can feel impossible — but it doesn’t have to be. Scholarships and grants are free money that help cover your education costs without the burden of student loans. The best part? You don’t have to pay them back.
Whether you’re a high school senior, college student, or returning adult learner, there are thousands of opportunities waiting — you just need to know where to look and how to apply.
What’s the Difference Between Scholarships and Grants?
Scholarships are usually awarded based on merit, such as academic achievement, leadership, athletic ability, or unique personal background.
Grants are typically need-based and awarded based on your financial situation. The most well-known is the Federal Pell Grant, but many states and colleges offer their own.
Both can be stacked to reduce (or eliminate) your tuition bill.
Step 1: Fill Out the FAFSA
Before anything else, complete the Free Application for Federal Student Aid (FAFSA) at fafsa.gov.
This form determines your eligibility for:
- Federal grants (like the Pell Grant)
- Work-study programs
- Low-interest federal student loans
- Many state and school-specific scholarships
Tip: The earlier you submit it, the better your chances of getting aid.
Step 2: Search for Scholarships That Fit You
There are scholarships for just about everything — your background, major, hobbies, career goals, location, and even random things like left-handedness or love for video games.
Start with these websites:
Also check with:
- Your school counselor
- Local organizations and nonprofits
- Your (or your parents’) employer
- Your state’s education department
Step 3: Stay Organized and Apply Early
Make a list of scholarships with deadlines, requirements, and how much they’re worth. Create a calendar reminder for each.
Tips for applying:
- Reuse and tweak your essays (but personalize them)
- Ask teachers or mentors for strong recommendation letters
- Proofread everything — don’t let typos ruin your chances
- Apply to both big and small scholarships (the small ones add up!)
- Don’t skip the “weird” ones — fewer applicants means better odds
Step 4: Don’t Overlook Institutional and State Grants
Besides federal grants, your state or college may offer:
- State aid programs (visit your state’s higher ed website)
- College-specific scholarships for majors, athletics, or need
- Diversity-based programs for underrepresented communities
- First-generation or immigrant student scholarships
Tip: Once you’re accepted to a college, call the financial aid office — they’ll often have opportunities you didn’t even know existed.
Final Thought
Scholarships and grants are out there — but no one will apply for you. The students who win free money aren’t always the smartest or the most accomplished. They’re the ones who took the time to apply.
Treat your search like a part-time job for a few weeks. Every dollar you earn through scholarships is a dollar you don’t have to borrow.