Scholarships

• Survey: 68% Say New OBBBA Loan Caps Will Slash Grad School Enrollment [2026-01-21]

  For twenty years, the federal Grad PLUS loan served as a financial safety net, allowing graduate students to borrow up to the full cost of attendance to pursue their dreams. However, that era is coming to a close. With the passage of the “One Big Beautiful Bill Act” (OBBBA), the federal government is moving away from unlimited lending toward a system emphasizing fewer loan repayment options and loan caps.

   

   

  As these changes loom for the 2026–27 academic year, ScholarshipOwl surveyed over 22,000 students to gauge how these limits will reshape their futures. The results are a sobering look at a generation of students who may be forced to choose between their career aspirations and their financial survival.

   

  Decoding the “One Big Beautiful Bill Act”

   

  Signed into law on July 4, 2025, the OBBBA introduces strict limits on federal borrowing to curb rising tuition and national debt. While undergraduate limits remain stable, the graduate landscape is fundamentally changing:

   

  Grad PLUS Loans Are Phasing Out

  Grad PLUS Loans will no longer be available to new borrowers starting July 1, 2026. New graduate students will still be able to borrow federal unsubsidized student loans; however, Grad PLUS Loans will not be an option. Existing graduate students will have access to both Grad PLUS Loans and unsubsidized federal student loans until June 30, 2028. 

   

  Loan Caps for “Standard” Graduate Programs

  For most master’s and doctoral degrees, federal borrowing is now capped at $20,500 annually and $100,000 lifetime, not including undergraduate student loans.

   

  The “Professional” Distinction

  The Department of Education has designated a select group of “professional” programs—including Medicine (MD/DO), Law (JD), and Dentistry (DDS/DMD)—for higher caps of $50,000 annually and $200,000 lifetime, not including undergraduate student loans. While these caps are higher, the costs of these programs often exceed these higher caps, which will necessitate private loan borrowing for many of these students.

   

  The Total Ceiling

  A new total lifetime limit of $257,500 now applies to all combined undergraduate and graduate federal borrowing.

   

   

  The “Professional Degree” Controversy

  The Trump Administration’s recent rulemaking has sparked intense debate. By excluding critical fields like Nursing, Physical Therapy, and Mental Health Counseling from the “professional” designation, the Department has effectively categorized these high-cost, high-impact careers as “standard” graduate degrees. This means a student pursuing a Master of Science in Nursing (MSN) or a Doctorate in Physical Therapy (DPT) will face the same $20,500 annual limit as a student in a lower-cost humanities program, despite the significantly higher tuition typical of clinical healthcare training.

   

  Some of the programs of study expected to be designated as “standard” degrees include:

   

  • Accounting
  • Architecture
  • Audiology
  • Business Administration
  • Counseling (School Counselor, Marriage & Family Therapist, etc.)
  • Education
  • Engineering
  • Nursing
  • Occupational Therapy
  • Physical Therapy
  • Physician Assistant
  • Public Health
  • Social Work
  • Speech Pathology

   

  Due to the high cost of many of these programs of study, there is concern that fewer students will be able to pursue graduate education in these fields. Given our aging population, the declining birthrate, and the shortage of healthcare professionals, the possibility that these loan caps will prevent students from pursuing graduate degrees in healthcare is particularly concerning.

   

  Who Participated in the Survey?

  Between December 03, 2025 and January 18, 2026, ScholarshipOwl surveyed 22,646 high school and college students on the ScholarshipOwl scholarship platform to find out more about how students pursuing a master’s degree or a doctorate will be impacted by the “One Big Beautiful Bill Act.”

   

  Among the respondents, 60% were female, 39% were male, and 1% identified themselves as a different gender identity or preferred not to respond to the question. Half (50%) were Caucasian, 19% were Black, 18% were Hispanic/Latino, 6% were Asian/Pacific Islander, 2% were American Indian/Native American and 6% selected “other” or preferred not to respond to the question.

   

  Over half (57%) of the respondents were high school students, with the overwhelming majority high school seniors; nearly one-third (32%) were college undergraduate students, primarily college freshmen and college sophomores; 7% were graduate students and 4% identified themselves as adult/non-traditional students.

   

  Question 1: How will the new federal student loan caps established by the “One Big Beautiful Bill Act” impact your academic or career plans?

   

   

  Amongst the respondents, nearly half (48%) said the legislation will have significant impact on their grad school plans, stating it is unlikely they would be able to afford grad school, and that they may need to change their plans. More than one-third (36%) said that the legislation may impact them, but they aren’t sure if they plan to go to grad school. Less than one-fifth (12%) said that the legislation is unlikely to impact them, as they expect their grad school costs will fall under the loan cap. Less than one-fifth said that the legislation won’t impact them because they either aren’t planning to pursue education beyond a bachelor’s degree (9%) or that they are currently enrolled in a graduate education program (2%) so the legislation won’t apply to them.

   

  Question 2: Are you considering one day obtaining a master’s degree OR a doctoral degree in any of the following fields? Select all that apply.

   

   

  The listed fields of study are currently expected to fall under the “standard” loan caps, as the Trump Administration deems them to not be considered a “professional program” that would enable students to borrow larger amounts for their education.

   

  Nearly three-quarters (71%) of respondents said that they are considering pursuing graduate education in one or more of the listed fields. More than one-third (37%) are considering earning a graduate degree in a healthcare field, and nearly one-fifth (19%) are interested in a graduate degree in a business / finance field. The remaining respondents are interested in a graduate degree in engineering (13%), education (9%) or architecture (3%). Here is the full breakdown:

   

  Healthcare Fields

  • • • Nursing: 15%
      • Counseling: 7%
      • Public Health: 7%
      • Social Work: 6%
      • Physical Therapy: 5%
      • Physician Assistant: 4%
      • Occupational Therapy: 3%
      • Speech Pathology: 1%
      • Audiology: Less than 1%

   

  Business / Finance Fields

  • • • Business Administration: 17%
      • Accounting: 5%

   

  Other

  • • • Architecture: 3%
      • Education: 9%
      • Engineering: 13
      • Not interested in grad school in the listed fields: 29%

   

  Question 3: Which of the following outcomes do you think are most likely for the above programs deemed as “non-professional,” with federal loans capped at an aggregate maximum of $100,000?

   

   

  Most respondents expressed multiple concerns for what might happen to these programs, as well as the students interested in pursuing them.

   

  More than two-thirds (68%) predicted that fewer people will enter the listed professions.

   

  Nearly half (45%) said that students will prioritize scholarships to help pay for grad school, while an even greater number (48%) said that students interested in these careers will turn to private loans to cover costs beyond the federal student loan cap. More than half (52%) said that students will delay attending grad school to work and save to help cover costs.

   

  Respondents also were concerned about the impact on colleges, with nearly half (43%) saying that colleges may cut these programs due to low enrollment caused by the loan caps, and nearly one-fifth (18%) said that they think that some colleges will close entirely as a result.

   

  About one-quarter of students (28%) are hoping for some positive outcomes, with 18% saying that some colleges may lower the cost of these programs to attract students, and 10% saying that employers may help pick up the slack and contribute to paying for their employees’ education to help them obtain an advanced degree.

   

  The Looming Talent Gap

   

  The survey results highlight a disconnect between federal policy and student reality. With 71% of respondents considering degrees in fields now subject to the lower “standard” cap, the “One Big Beautiful Bill Act” could inadvertently create a national workforce crisis.

   

  Key Takeaways & Outcomes

   

  Healthcare in Jeopardy

  37% of students surveyed are eyeing graduate healthcare roles. If federal loans cover only a fraction of their tuition, we risk a “brain drain” in nursing and therapy—fields already reeling from historic shortages.

   

  The Shift to Private Debt

  48% of students expect to turn to private loans. Unlike federal loans, private lending lacks income-driven repayment safety nets and often requires a co-signer, potentially shutting out first-generation and low-income students.

   

  Scholarships as a “Must-Have” Strategy

   

  Nearly half (45%) of respondents stated they will now prioritize scholarships as their primary method to bridge the funding gap. With federal limits effectively “starving” high-cost programs, students are shifting their focus away from loans and toward merit- and need-based aid to ensure they can finish their degrees without insurmountable debt.

   

  Institutional Instability

  With 43% of students predicting program cuts, smaller colleges that rely on graduate enrollment may face a “death spiral” as students flee to more affordable or better-funded institutions.

   

  A New “Gap Year” Culture

  52% of students plan to delay grad school to save money. While fiscally responsible, this delay slows the entry of new professionals into the economy at a time when the “Silver Tsunami” of retiring Baby Boomers requires an immediate influx of skilled labor.

   

  Additionally, it is anticipated that students that initially plan on taking a “gap year” might end up not pursuing their graduate studies at all due to work and family responsibilities that pull them further away from their education and career aspirations.

   

  A Call for Strategic Planning

   

  The “One Big Beautiful Bill Act” was designed to bring fiscal discipline to higher education, but our survey shows it may be bringing a “freeze” to student ambitions. As the July 2026 deadline approaches, the burden of funding is shifting from the government back to the individual and the private sector.

   

  For students, the message is clear: the era of “borrowing whatever it takes” is over. Success in the OBBBA era will require a multi-pronged strategy: aggressive scholarship hunting, employer tuition assistance, and a careful evaluation of the ROI for every credit hour.

   

  At ScholarshipOwl, we remain committed to helping students bridge this new funding gap. The rules of the game have changed, but the goal remains the same: an education that empowers your future without shackling your finances. Whether you are a high school student, college undergrad or graduate school student, we have plenty of scholarships available for you on the ScholarshipOwl platform! Start your free 7 day trial at www.ScholarshipOwl.com!

  The post Survey: 68% Say New OBBBA Loan Caps Will Slash Grad School Enrollment appeared first on ScholarshipOwl.

• 6 Figures in 2 Years, No Debt: Your Fast-Track to a Career in the Trades [2026-01-19]

  In recent years, the conversation around higher education has shifted. While the traditional four-year university path is still a mainstay, there has been a massive surge in interest in certificate programs, bootcamps, and two-year associate degrees, leading to a career in the trades. In fact, undergraduate certificate programs saw a nearly 5% increase in enrollment this past year, and “high vocational” public two-year colleges saw a staggering 13.6% jump in enrollment in 2024—the second year of double-digit growth.

  As more students pivot toward these career-focused pathways, a common question arises: “Is there financial aid for this?” Many students mistakenly believe that federal financial aid and scholarships are reserved for those heading to big-name universities. The reality? Financial aid and scholarships for trade schools and community colleges are  a vital tool for making these programs accessible for everyone.

  What Exactly Is a Certificate or Two-Year Degree?

  Before diving into funding, it’s important to understand what you’re signing up for. Many students are surprised to learn that these programs aren’t just “shorter versions” of a university degree—they are actually built differently for students interested in a career in the trades OR for students interested in upskilling for career advancement.

  Career Education (CE)

  Many trade school and community college programs focus on “Career Education,” which prioritizes hands-on learning. Instead of sitting in a lecture hall for four years, you are in a lab, a shop, or a clinical setting, working with the actual tools of your trade for much of your time spent in school. This direct work-based learning experience makes graduates highly attractive to employers who need people who can do the job on Day One. These programs typically culminate in either an associate degree or certificate. This creates a fast-track to a high-paying career in the trades.

  Associate Degree (2 Years)

  A traditional four-year degree usually consists of two years of general education (math, history, English) and two years of major-specific courses. In a two-year associate degree, you typically complete one year of general education and one year of major-specific credits. This is perfect for students who want to enter the workforce quickly but also want the option to transfer those credits to a bachelor’s degree either right away, or later on after they have worked in their field.

  Certificate (Short-term)

  Certificate programs strip away the general education requirements entirely. You spend 100% of your time on classes related to your career goal. Certificate programs are designed for students who want to get trained and go to work immediately, often in under a year. They are also an outstanding option for working adults who want to upskill for advancement in their current career OR who want to get trained in an entirely new career.

  Which Is Best? A Community College or a Private Trade School?

  Both community colleges and private trade schools are great options for a career in the trades. Which is best for you depends on your academic and career goals, budget, and other factors such as location, flexibility of class schedule, etc.

  Advantages of Community College Programs

  Community colleges are low-cost, and are located right in your community, enabling you to live in your current home and commute to school. These colleges offer a wide variety of programs, but be aware that not all programs are at all community colleges. As such, once you know which program interests you, you’ll need to find out if a nearby community college offers it.

  One big advantage of community colleges is that they often partner with local employers as well as in-state public universities. The programs are typically structured in a way that targets local workforce needs while also simultaneously creating a transfer pathway for those interested in transferring to obtain a bachelor’s degree. Additionally, community colleges also offer certificate and degree programs in the arts and sciences as well as career education, enabling you to change majors or career interests without changing colleges.

  For students who want to have greater options, flexibility, convenience and a low cost, a community college is an outstanding choice for a career in the trades.

  Advantages of Private Trade School Programs

  Private trade schools tend to be more expensive than community colleges. This can deter prospective students from attending; however, there are some positives about these programs. Sometimes the career you’re interested in simply isn’t taught at a community college near where you live, but a private trade school might be within commuting distance.

  Trade schools tend to be smaller and more focused on just a few career paths. It may be exciting to attend college with students who are all interested in pursuing your same career path. This can make it easier to build friendships as well as spur networking opportunities. On the other hand, if you really want more of a “college experience,” a community college may be a better choice for you, as a community college will have a larger campus, indoor and outdoor gathering spaces, clubs and events for social engagement, and more.

  Similar to community colleges, private trade schools partner with industry associations and employers to help structure their programs as well as to help graduates obtain employment. When considering a private trade school, focus on programs that offer internship opportunities with area employers as well as a high training-related job placement rate for recent graduates of the program. This can make a huge difference when pursuing a career in the trades.

  Be aware that credits earned at trade school programs may not be accepted as transfer credit to other institutions. As such, if you feel that you may want to change schools or change majors at some point, or that you may want to obtain further education later on, it’s best to attend a community college with clear transfer pathways rather than a private trade school. 

  Certificate or Associate Degree Career Paths

  Because career education programs focus on specialized skills, they can launch you into high-demand, high-paying fields faster than a traditional degree. Here are some of the most popular career education pathways for 2026:

  Healthcare

  This remains the largest growth sector for two-year graduates, driven by an aging population and a focus on preventative care.

  Dental Hygienists: Professionals in this field perform cleanings and exams, earning a mean salary of $94,260.

  Diagnostic Medical Sonographers: These specialists operate ultrasound equipment to create internal images, with a mean salary of $89,340.

  Registered Nurses (ADN): Entering the field with an Associate Degree in Nursing (ADN) allows you to start practicing sooner, with a mean salary of approximately $80,660.

  Radiation Therapists: A highly specialized role that often only requires an associate degree, earning a mean salary of $101,370.

  Technology & Creative

  You don’t need four years to code or design.

  Information Security Analysts: Crucial for protecting data, these roles earn a mean salary of $118,070.

  Web Developers & Digital Designers: With an associate degree or certificate, the mean salary is roughly $72,821, with top earners in tech hubs exceeding $100,000.

  Graphic Designers: Those with an associate degree see a mean salary of approximately $55,218.

  Skilled Trades & Green Energy

  These are some of the most “AI-proof” jobs available, often requiring only an associate degree or vocational certificate.

  Electronics & Robotics Technicians: As automation booms, these specialists earn a mean salary of $72,430, with experienced techs in high-tech hubs reaching $105,000+.

  Engineering Technicians: Those working in civil, mechanical, or industrial engineering tech earn a mean salary of $75,290.

  Auto Mechanics: With the rise of complex EV systems, specialized technicians earn a mean salary of $51,940, though top-tier master techs at dealerships often exceed $100,000.

  Construction Trades: Skilled professionals like Electricians and Plumbers are seeing a surge in pay, with mean salaries reaching $65,000–$85,000 as the industry competes for talent.

  Wind Turbine Technicians: One of the fastest-growing roles in the US, with a mean salary of $62,580 (and up to $94,000 in states like California).

  Solar Photovoltaic Installers: These key players in the green energy boom earn a mean salary of $78,666.

  Specialized Technical Roles

  High-stakes roles like Air Traffic Controllers (mean salary ~$144,000) and Radiation Therapists (~$101,000) often require only a specialized two-year degree and certification.

  Financial Aid and Scholarships for Community College and Trade School Students

  When launching your career in the trades, you can access financial aid and scholarships to fund your education.

  Federal Pell Grants

  For undergraduate degree or certificate programs that are at least one year in length.

  Workforce Pell Grants

  Created by the One Big Beautiful Bill Act, these expand Pell eligibility to short-term programs that are between 8–15 weeks in length. The legislation states that Workforce Pell Grants will be available starting in the 2026-27 school year.

  State Aid

  Many states offer grants or scholarships and/or “Promise” programs that may cover as much as 100% of tuition costs. Check your state to see what is available as well as the eligibility criteria.

  Institutional Aid

  Colleges and trade schools have their own scholarship programs for their students. Some are need-based, and some are merit-based. To find out what you may qualify for, contact the school’s financial aid and scholarship office.

  Scholarships Offered By Businesses and Organizations

  All students have the opportunity to apply for scholarships offered by businesses and organizations. You may be surprised to discover that many of these scholarships don’t require you to be enrolled in a bachelor’s degree program. Most providers only ask that applicants be pursuing a degree or certificate program. So don’t skip applying for scholarships, or you’ll miss-out on debt-free funding for your education!

  Dispelling the Scholarship Myth

  One of the biggest hurdles for students pursuing a career in the trades is the perception that “financial aid and scholarships aren’t available for me.” The data tells a different story:

  High Award Rates

  At many vocational and trade schools, between 75% and 80% of students receive some form of financial aid or scholarship awards!

  Private Trade School Boom

  Private trade school enrollment is projected to grow by 6.5% annually through 2030, significantly outpacing the growth expected for traditional four-year universities.

  Targeted Funding

  Corporations like DEWALT, Lockheed Martin, and Lincoln Tech are funneling millions into “Vocational” and “Technical” scholarship tracks to fill the nationwide skills gap.

  Under-claimed Funds

  Millions of dollars in trade scholarships go unclaimed every year simply because students don’t apply!

  Where to Find Your Funding

  Finding these opportunities doesn’t have to be a scavenger hunt:

  The ScholarshipOwl Advantage: Your Fast-Track to Funding

  For students in shorter-term certificate or associate programs, time is your most valuable asset. You don’t have months to spend on a “scholarship hunt.” ScholarshipOwl is designed to streamline that entire process, acting as a personal project manager for your financial aid.

  Smart Matching and AI-Powered Recommendations

  When you complete your profile on the ScholarshipOwl platform, we’ll match you to the scholarships best-fit for you! So many scholarship providers love to award scholarships to students pursuing an associate degree or certificate, so you’ll have plenty to apply for!

  One Universal Application

  One of the biggest drains on your time is filling out repetitive information into multiple scholarship application forms, like your name, address, email address, phone number, your major, etc. etc. But with ScholarshipOwl, you won’t have to do that! We use your profile data to automatically populate applications so you can really streamline your process.

  Focus on Low-Competition Scholarships

  Only ScholarshipOwl shows you exactly how many other students on our platform have applied to each scholarship! Armed with this information, you can purposely focus on low-competition scholarships with fewer applicants so you can truly boost your chances of winning!

  The AI Essay Assistant

  If a trade scholarship requires a personal statement about your career goals, you don’t have to start from a blank page. The ScholarshipOwl AI Essay Assistant helps you generate a customized draft based on your profile. You can then refine it to tell your unique story, enabling you to apply to essay scholarships in a fraction of the time.

  Credibility Scores

  The platform assigns a Credibility Score to every scholarship. This helps you to focus your time and energy on legitimate, high-quality awards from reputable businesses and trade organizations.

  Innovative Ways to Apply

  ScholarshipOwl is always looking for opportunities to make it faster and easier for students to apply for scholarships! Did you know that with ScholarshipOwl, you can:

  • • • Opt-in to automatic applications for “no requirement” scholarships?
      • Opt-in to automatic re-application for recurring scholarships?
      • Apply for certain scholarships via email?

  Not yet a member of ScholarshipOwl? Get started today with your free 7-day trial!

  Trade Organizations and Local Community Groups

  • • Trade organizations for specific industries offer dedicated funding for their future members. Look online to see which trade organization(s) serve the career area you’ve chosen and see what scholarship opportunities are available. (Example organizations include the Independent Electrical Contractors (IEC), the American Association of Medical Assistants (AAMA), etc.)
    • Service organizations like Rotary International, Elks Club, and Lions Club offer scholarships, and Chambers of Commerce love supporting students who will stay and work in the community!

  Local Businesses in Your Community

  • • Many local businesses offer scholarships to students. Your best resource for these scholarships is your school counselor! School counselors often maintain lists of local scholarships, enabling you to browse opportunities and apply.

  Career Education: A Smart Move for Your Future

  Choosing a certificate or associate degree program isn’t a “backup plan”—it’s a strategic career move. Whether you’re looking to avoid debt or gain a specific, high-demand skill, these programs offer a direct path to success for a career in the trades. By leveraging the new Workforce Pell Grant and using platforms like ScholarshipOwl, you can often complete your education for a fraction of the cost—or even for free. Don’t leave money on the table; start your search today.

  The post 6 Figures in 2 Years, No Debt: Your Fast-Track to a Career in the Trades appeared first on ScholarshipOwl.

• Beating the “Spring Slump”: How to Avoid Distractions and Finish the School Year Strong [2026-01-14]

  As the calendar turns to the Spring semester, a familiar feeling often settles over classrooms: the mid-year fog. You’ve made it through the first half of the year, but you’re struggling to finish the school year strong.

   

   

  If you find yourself staring at your textbook while your mind wanders to literally anything else, you aren’t alone. You’re experiencing the mid-year slump that all students encounter. At ScholarshipOwl, we want you to help you finish strong so that you can earn the grades you want, get into the colleges you’re targeting, and get the scholarships you’re applying for! But to do that, you’ll need to avoid distractions, re-focus, and do the work needed to achieve your goals.

   

  Why the Spring Semester Feels Different

   

  It’s important to realize that struggling to focus during this time is a universal experience. Whether you are a freshman just getting your bearings or a senior with one foot out the door, nearly every student hits a wall between January and May.

   

  If you are feeling unmotivated, it isn’t a reflection of your intelligence or your potential—it’s often just a side effect of the academic cycle. The novelty of new classes has worn off, and the “long haul” of the second semester can feel like an uphill climb.

   

  The Perfect Storm of Distractions

   

  Why is it so much harder to focus now than it was in October? The Spring semester is packed with “academic kryptonite”:

   

  The Weather

  As the days get longer and warmer, sitting in a windowless library feels like a chore.

   

  Major Milestones

  Events like Prom, spring sports, and graduation ceremonies start to dominate the social calendar.

   

  Senioritis

  For high school seniors, the excitement of college acceptances can make current high school coursework feel “finished” before it actually is.

   

  Spring Break

  Having a week of freedom in sight makes it difficult to settle back into a routine once you return.

   

  The Real Risks of Losing Focus

   

  While the distractions are understandable, the consequences of letting your grades slip now can be long-lasting:

   

  GPA Impact

  A poor second semester can drag down your cumulative GPA, which is a key metric for college admissions and scholarships.

   

  College Admissions

   

  For juniors, these are the last grades colleges see before you apply. For seniors, a significant drop in performance (especially grades below a C) can actually lead to rescinded admissions offers.

   

  Scholarship Stakes

  Slacking off doesn’t just hurt your transcript; it puts your financial future at risk. A lack of motivation can lead to missed scholarship application deadlines, while a dip in academic performance might make you ineligible for merit-based aid or cause you to lose out on competitive awards that require a high GPA.

   

  The “Hidden Cost” of Cutting Classes

  It can be tempting to skip a class when the weather is nice, but the risks go beyond an attendance mark. Missing live instruction is a double-whammy: you aren’t there to hear the teacher’s specific tips for the exam, and you’ll spend twice as long later trying to teach yourself the material you missed.

   

  Foundation Gaps

  Many Spring subjects build the foundation for next year’s courses. Checking out now makes next September much harder.

   

  Strategies to Re-Focus

   

  You don’t need a total life overhaul to get back on track. Try these small shifts:

   

  The 25/5 Rule

  Use the Pomodoro technique—study for 25 minutes, then take a 5-minute break. It’s easier to focus when you know a break is coming.

   

  The “Just Show Up” Commitment

   

  On days when you really want to skip, make a deal with yourself to just get to the classroom. Often, the hardest part of avoiding “cutting” is the mental debate beforehand. Once you’re in your seat, the “FOMO” (Fear Of Missing Out) on vital exam hints disappears, and you’re much more likely to stay engaged.

   

  Avoid Distractions

  If you find that it’s hard to concentrate, make changes to your environment that improve your focus. Examples:

   

  • • Do your homework in a quiet place, such as your room, a study space on campus, your school library, etc.
    • Put your phone away, as doom-scrolling and chat conversations are too tempting.
    • Refrain from doing homework in a room that has the TV on, and when listening to music, choose ambient music without vocals.

   

  Audit Your To-Do List

  Break large projects into tiny, manageable “micro-tasks” so you can check things off daily.

   

  Streamline Your Scholarship Application Process with ScholarshipOwl

  Applying for scholarships can feel stressful and overwhelming. One of the best ways to find your scholarship motivation is to utilize the ScholarshipOwl platform! ScholarshipOwl makes the entire application process faster, easier, and more likely to result in scholarship wins! If you aren’t yet a member of ScholarshipOwl, try it out with our free 7-day trial at www.ScholarshipOwl.com!

   

  Navigating “Distracted” Friend Groups

   

  It’s even harder to focus when your friends are also checked out. If your social circle is prioritizing hanging out over studying, try creating a Buddy System so you and your friends can finish the school year strong!

   

  Instead of choosing between seeing your friends and doing your work, invite them to a “Productive Hangout.” Set a timer for one hour of silent work, and reward yourselves with a snack or a movie afterward. By tackling the slump together, you turn peer pressure into peer support.

   

  When to Seek Extra Support

   

  If you’ve tried to re-focus but find that you’re still falling behind or feeling overwhelmed, don’t wait until finals week to speak up. Reach out for help if:

   

  • You don’t understand the core concepts being taught in class.

  • Your anxiety about your grades is preventing you from starting your work.

  • You’ve fallen more than two weeks behind in assignments.

   

  Talk to your teachers, a school counselor, or a tutor. They would much rather help you course-correct in March than try to save your grade in June.

   

  You’ve Got This!

   

  The finish line is closer than it appears. While the distractions of Spring are real, your ability to push through them is a skill that will serve you well for the rest of your life. Take a deep breath, tackle one assignment at a time, and remember: you have already done the hard work of getting this far. Finish the school year strong!

  The post Beating the “Spring Slump”: How to Avoid Distractions and Finish the School Year Strong appeared first on ScholarshipOwl.

• How Students Are Paying for College in 2026: Why 88% of Students Are Turning to Scholarships [2026-01-09]

  As the 2026-27 academic year approaches, the landscape of college financing continues to shift. Between legislative changes—such as the One Big Beautiful Bill Act—and the ongoing evolution of the FAFSA, students and families are navigating a complex financial environment. To better understand how the next generation of students is paying for college, ScholarshipOwl conducted a survey of over 24,000 students in December 2025.

   

   

  The results offer a revealing look at the state of college affordability: while FAFSA completion remains high, a significant portion of students are finding that federal aid isn’t meeting their expectations, leading to heavy reliance on external funding sources including scholarships and student loans.

   

  Who Participated in the Survey?

  In December 2025, ScholarshipOwl surveyed 24,332 high school and college students on the ScholarshipOwl scholarship platform to find out more about how they will be paying for college.

   

  Among the respondents, 60% were female, 39% were male, and 1% identified themselves as a different gender identity or preferred not to respond to the question. Nearly half (47%) were Caucasian, 22% were Black, 18% were Hispanic/Latino, 6% were Asian/Pacific Islander, 2% were American Indian/Native American and 6% selected “other” or preferred not to respond to the question.

   

  More than half (55%) of the respondents were high school students, with the overwhelming majority high school seniors; more than one-third (34%) were college undergraduate students, primarily college freshmen and college sophomores; 7% were graduate students and 4% identified themselves as adult/non-traditional students.

   

  Question 1: Have you submitted the 2026-27 FAFSA that opened in late-September yet?

   

   

  Amongst the respondents, nearly two-thirds (65%) confirmed they had already submitted their FAFSA, while over one-quarter (28%) haven’t yet submitted the FAFSA, but still plan to do so. A small percentage (4%) do plan to attend college in the 2026-27 school year, but they don’t plan to submit their FAFSA. The remaining students (3%) won’t be attending college in 2026-27, and as such, they will not be submitting the FAFSA for that academic year.

   

  Question 2: If yes, in your FAFSA submission summary, which of the following are you eligible for? Select all that apply.

   

  A total of 15,755 students said that they had submitted the FAFSA, so only those students’ responses were incorporated into the results for this question.

   

  College Funding That Must Be Repaid

   

   

  Loans

  It should be noted that ALL students who submit the FAFSA are eligible to take out federal student loans:

   

  • • • Undergraduate students are typically offered both a subsidized and an unsubsidized student loan. Annual caps:

  • • • • • $5500 for freshman year
          • $6500 for sophomore year
          • $7500 for junior year
          • $7500 for senior year

       

    • • Graduate students are eligible for unsubsidized student loans, and continuing graduate students are eligible for a Grad PLUS Loan; however, Grad PLUS Loans have been eliminated for students starting a new graduate program beginning with the 2026-27 school year, per the One Big Beautiful Bill Act.]

  • • • • Maximum graduate school loan is $20,500 per year for most graduate school programs, with a $100,000 maximum lifetime cap;
        • For “professional programs” (medical school, law school, dental school, etc.), the maximum loan amount is $50,000 per year, with a maximum lifetime cap is $200,000.
        • The aggregate maximum total lifetime borrowing cap for ALL federal student loans across both undergraduate and graduate programs is $257,000.

   

  In addition, parents of students who submit the FAFSA are able to take out Parent PLUS Loans to help pay for college, as long as the borrowing parent can pass the required credit check. Be aware that beginning on July 01, 2026, there are new loan caps on Parent PLUS Loans:

  • • • $20,000 per year per child
      • $65,000 maximum lifetime per child

   

  College Funding You Don’t Have to Borrow

   

  Grants

  In addition to loan options, just over half (51%) of those who had already submitted their 2026-27 FAFSA said they were eligible to receive a Pell Grant.

   

  A very small number of students (6%) indicated they were eligible for the Federal Supplemental Educational Opportunity Grant (FSEOG) which is available only to students with exceptional financial need.

   

  Just 2% said they were eligible for the Teacher Education Assistance for College and Higher Education (TEACH) Grant, which is reserved for those pursuing a career in teaching, and who agree to teach in a high-need field at a school that serves low-income students for at least four years.

   

  Federal Work Study

  One-third (33%) of students who had already submitted their 2026-27 FAFSA said they were eligible for federal work-study. Federal work study enables eligible students to obtain a job on campus to help them pay for college. While all students can obtain a part-time job either on campus or in the nearby community, students who have a work study job have certain advantages:

   

  • • Some campus jobs are designated as “work study only” or “work study preferred,” meaning that work study students are often prioritized amongst the applicant pool.
    • In addition, earnings from work study jobs are not counted as income on the next year’s FAFSA.

   

  Question 3: How well does your FAFSA Submission Summary match with your expectations for your eligibility for need-based aid?

   

   

  Amongst the 15,755 of students who had already submitted the FAFSA, nearly half (44%) said that their FAFSA Submission Summary was worse than they had expected, and half (50%) said that their FAFSA results were about what they had expected. Just a small percentage (6%) said that their FAFSA results were actually better than they had expected.

   

  Question 4: Which of the following will you rely on to help you pay for college costs not covered by federal grants? Select all that apply.

   

   

   

  Most students selected multiple funding sources from the list to help them achieve their goal of paying for college:

  • 88% selected “scholarships”
  • 56% selected “income from a job”
  • 41% selected “my personal savings”
  • 39% selected “financial support from family”
  • 38% selected “federal student loans”
  • 33% selected “state grants”
  • 17% selected “private student loans”
  • 8% selected “Parent PLUS Loan”
  • 3% selected “Grad PLUS Loan”

   

  The Shifting Tide of College Financing

   

  The survey results reveal several critical trends that will define the 2026-27 school year:

   

  The Expectation vs. Reality Gap

  Perhaps the most striking finding is that 44% of students felt their FAFSA results were “worse than expected.” With only 6% finding their results “better,” there is a clear disconnect between what families hope to receive and what the federal government actually provides. This suggests that as the cost of attendance rises, the federal formula for “need” may not be keeping pace with the lived reality of middle-class and working families, making paying for college more challenging.

   

  Scholarships Are No Longer “Extra”—They Are Essential

   

  With 88% of respondents indicating they will rely on scholarships to pay for costs not covered by federal grants, scholarships have moved from being a “bonus” to a primary pillar of the college budget. This exceeds the reliance on jobs (56%) and far outpaces federal student loans (38%), signaling that students are becoming more debt-averse and are proactively seeking “free money” to avoid the burden of high-interest borrowing. Clearly, paying for college with scholarships and other debt-free sources is preferred by Gen Z students.

   

  The Impact of Loan Reform

  The data shows that only 8% of students plan to use Parent PLUS loans and 3% plan to use Grad PLUS loans. This low engagement may be a direct reaction to the 2026-27 loan caps and the elimination of Grad PLUS for new programs. As federal borrowing options become more restricted, we see a corresponding rise in students looking toward personal savings (41%) and family support (39%) to make ends meet.

   

  Proactive Financial Planning

   

  Despite the complexities, 65% of students had already submitted their FAFSA by December. This high early-filing rate shows that students are aware of the “first-come, first-served” nature of many state and institutional grants, demonstrating a high level of financial literacy and proactivity among the current applicant pool.

   

  Still, the fact that 28% of respondents haven’t yet submitted the FAFSA despite their plan to do so demonstrates that some families may need additional information and support to complete this essential financial aid step.

   

  Key Takeaways

   

  The December 2025 survey results serve as a wake-up call for the higher education community. The “Expected vs. Reality” gap is real, and it’s driving students to look beyond the federal government for help. With nearly 9 out of 10 students now targeting scholarships as their primary secondary funding source, the competition for private aid is higher than ever.

   

  For the 2026-27 school year, the message from students is clear: federal aid and loans are no longer enough. To achieve a debt-free degree, students must take a multi-pronged approach—balancing early FAFSA filing with a consistent, aggressive scholarship strategy and part-time employment.

   

  Don’t Leave Your Future to Chance

   

  With scholarship competition at an all-time high, you need every advantage to stand out and stay organized. Don’t wait until the fall tuition bill arrives to begin applying. Start your ScholarshipOwl 7-day free trial today to access personalized matches, automated applications, and a streamlined dashboard that helps you leverage every opportunity to fund your education debt-free!

  The post How Students Are Paying for College in 2026: Why 88% of Students Are Turning to Scholarships appeared first on ScholarshipOwl.

• Making Your Admission Decision: Navigating Your College Admissions and Financial Aid Offers [2026-01-08]

  The silence of the “waiting period” is finally breaking. After four years of maintaining a high GPA, grinding through AP and IB classes and exams, and spending your weekends volunteering or on the field for your varsity sport, the moment has arrived. Your hard work has been packaged into an application, and now, the colleges are responding! It’s time to start making your admission decision!

   

   

  This phase is often more stressful than the application period itself because it involves making a life-changing financial and personal decision in a very short window. Here is your comprehensive guide to navigating the “Decision Season.”

   

  How Will I Be Notified About Each Admission Decision?

   

  The days of waiting by the mailbox for a thick envelope are largely over. Most colleges will notify you of their admission decision through your portal accounts. If you haven’t yet set up all of your portals, do so right away. That way, you’ll see messages about information that the college still needs from you to make their decision, and of course you’ll also see their admission decision post!

   

  Check College Portals Daily

  While it may be annoying to have to login to all of your portals on a daily basis, it’s important that you take the time to do so. Check for messages about documents they need to make their admission decision and/or to be able to complete your financial aid and scholarship offer.

  If documents are requested, submit them right away.

   

  Email Alerts

  Each college will ask you to setup a special email account that they will use to contact you. As with the college portals, if you haven’t yet set up your college email accounts, do so now. If possible, setup those email accounts to forward to your regular email address that you use daily. That will enable you to avoid having to check multiple email accounts daily.

   

  Once you have been offered admission through your portal, you will also likely receive an email letting you know that your admission decision is waiting for you in your portal.

   

  Be sure to also keep an eye on your “Promotions” or “Spam” email folders to ensure you don’t accidentally miss an important email notification.

   

  Admission Notification in the Mail

  If you are admitted, a formal packet often follows by mail 1–2 weeks later. This packet usually contains lots of fun stuff from the college, celebrating your admission offer. You might receive stickers, a college banner, socks, etc. in addition to a formal admission offer and detailed next steps.

   

  How Do I Compare Admission Offers to Know Which One Is Best for Me?

   

  Once the excitement of the “Yes” wears off, you need to compare your options objectively to be able to make your admission decision. Create a spreadsheet to evaluate:

   

  Academic Strength

  Look specifically at the department of your intended major. Does it have the internships, labs, or alumni networks you need?

   

  Retention Rates

  What percentage of freshmen return for sophomore year? High retention often signals a supportive campus environment.

   

  The Net Price

  Don’t get distracted by a $20,000 scholarship if the tuition is $80,000. Focus exclusively on the Net Cost (Total Cost minus Gift Aid). Remember: Loans are NOT gift aid, as they must be repaid with interest.

   

  Location

  Consider the location of the college in relation to what you hoped. Is it near home or far from home? Is it in an urban or rural setting? What kinds of jobs and internships are available on-campus an in the nearby community? What is the weather, and is it something you feel you can manage? How costly will it be for you to travel back and forth during breaks?

   

  Campus Culture

  What are your social and political views, and how well do they align with the college?

   

  Your Own Perception Based on Your Visit

  Have you visited the campus in-person? If not yet, it would be a good idea to do so if it is a college you are seriously considering. If you have visited, how did you feel while at the college? Did it feel like you would really enjoy your college experience there? Or did you feel like something wasn’t quite right? Visiting in person if at all possible can be a key factor in helping you make your admission decision.

   

  My Financial Aid Offers Are Confusing. How Do I Evaluate Them?

   

  Financial aid offers usually arrive within a few days of your admission. Choosing a college that is more affordable for you and your family is one of the best ways to ensure you are making the right admission decision. To compare them, you must distinguish between gift aid (awards you don’t pay back) and other types of financial aid.

   

  What is Gift Aid?

  Gift aid are funds that are offered that don’t require you to pay them back. They are literally “gifts” to you.

   

  • • • Federal grants are gift aid awarded based on your financial need as determined by the Free Application for Federal Student Aid (FAFSA). Low-income students will typically receive federal and/or state grants, and some middle-income students may receive them as well. Families with higher incomes typically are not eligible for federal grants.
      • State-funded grants and scholarships are also gift aid. In most cases, these awards are also based on financial need; however, some states do provide a guaranteed scholarship via a “Promise Program” for community college attendance or for attendance at an in-state public university. Check your state to find out what options may be available to you.
      • Institutional scholarships are awarded from the college, and can be either need-based or merit-based. Some colleges require that you submit the CSS Profile to apply for institutional scholarships, so make sure you know which colleges require this – click here to find out more. Always read the fine print regarding institutional scholarships. In some cases, the scholarships are a one-time lump sum award for a single year only, while others are renewable for all four years of college. For renewable scholarships, there are often terms and conditions that must be met, such as agreeing to live on-campus, achieving a specified minimum GPA, and remaining a full-time student throughout enrollment.

   

  What is Work-Study?

  Federal work-study is a program that enables students with financial need to be able to obtain a job on campus to help them pay for college. To ensure that you are considered for work-study, check the applicable box on your FAFSA. Only those who check that box will be considered for work-study.

   

  Note that even if you aren’t offered work-study as part of your financial aid offer, you can still obtain a part-time job on campus or in the nearby community. Most students who are diligent in their job search efforts can find a part-time job while in college.

   

  I Was Offered Student Loans. Should I Accept Them?

   

  Loans are not gift aid. Loans are a debt that you are being offered the “opportunity” to take on, with the understanding that you’ll repay that debt and all associated interest.

   

  Federal Student Loans

  Federal Student Loans have a fixed interest rate, and payment can be deferred until 6 months after you graduate. Once that 6 months elapses, you’ll need to start making payments on your loans whether or not you have found a job in your field.

   

  All students who complete the FAFSA are eligible to receive federal student loans, regardless of their credit history or income. Federal student loans do not require a co-signer. These loans offer certain borrower protections, and students can choose between the Standard Repayment Plan and an income-driven repayment plan called the Repayment Assistance Plan (RAP) as described in the One Big Beautiful Bill Act that went into effect in 2025.

   

  • • • • • Subsidized Loans are loans in which the federal government will take care of the accrued interest while you are in school.
          • Unsubsidized loans are loans in which you as the borrower will be responsible for paying that accrued interest, either while you are in school, or after you graduate.

   

  How Much Can I Borrow?

  The maximum allowed amount that students can borrow are listed below:

   

  • • • • • • • $5500 for freshman year
              • $6500 for sophomore year
              • $7500 for junior year
              • $7500 for senior year
              • $20,500 per year for most graduate school programs; $100,000 maximum lifetime cap (Federal Direct Unsubsidized Loans only)
              • $50,000 per year for designated “professional” programs such as medical school, law school and dental school; $200,000 maximum lifetime cap (Federal Direct Unsubsidized Loans only)
              •  $257,000 aggregate maximum total lifetime borrowing cap for ALL federal student loans across both undergraduate and graduate programs.

  Private Student Loans

  Private student loans are available through private lenders. These types of loans require that the student borrower have a co-signer, and both the borrower and co-signer will need to go through a credit check and income verification process to qualify.

   

  There are many lenders who offer private student loans. If you are considering taking on private student debt, you’ll want to compare the lenders to ensure you are choosing a reputable firm, and also to compare the available interest rates, as they do differ. The interest rate you’ll be offered will depend on the results of the credit check and income verification, the amount you are borrowing, and the interest rates available at the time that you are taking out the loans.

   

  Some private lenders do offer different kinds of repayment plans, while others do not. Research lenders carefully to make an informed decision.

   

  Ultimately, it is ALWAYS BEST to avoid taking out private student loans for undergraduate education. If you can’t afford a particular college without taking on private debt, it’s best to choose a more affordable college. If you are considering taking on private student loans for medical school, law school, or dental school, these programs typically are so expensive that it isn’t possible to attend without taking out some amount of private student loans. Other graduate programs such as master’s degrees may or may not be possible without private student debt. Be thoughtful and careful before deciding to take out private student loans, and explore all options to avoid it where possible.

   

  I Got Wait-Listed. What Should I Do?

   

  A waitlist offer means you are “admissible,” but there isn’t room in the freshman class yet. Wait-listed students may be moved off the wait list should enough accepted students decline their admission offers, freeing up spots for students on the wait list.

   

  The Odds

  Historically, waitlist movement is unpredictable. Some years a school might take 100 students; the next year, zero. As such, it’s important to not count on getting moved off the wait list.

   

  The Strategy

  If this is your top choice, you must formally “accept” your spot on the waitlist. Review the instructions for accepting your wait list spot. Sometimes it will be simply clicking a “yes I want to be on the wait list” box, while in other cases, you might be asked to write a formal Letter of Continued Interest (LOCI). If asked to write a letter, tell them specifically: “If admitted, I will attend.” 

   

  The Timeline

  You likely won’t hear back until after May 1st (Decision Day) – often well after that date. For wait listed students, you might not even hear until late-July or early-August if a spot has opened for you.

   

  As such, if you want to ensure you have a spot at one of the colleges you’ve applied to, be sure that you accept an admission offer by May 1st from one of the other colleges and also pay your enrollment deposit, and you may also need to pay a housing deposit. Focus on getting excited about the college you’ll likely be attending while waiting to find out if you will be offered an admission slot off the wait list.

   

  Be aware though that if you are eventually offered an opportunity to attend your wait-listed college that you will likely have to forfeit your enrollment deposit and housing deposit at the other college if you want to accept your newly-awarded admission offer. As such, moving off the wait list will cost you the amounts you’ve paid elsewhere, and then you’ll of course also have to pay a new enrollment deposit and housing deposit to move off the wait list. For this reason (among others), some students who are eventually offered admission off the wait list just decide to stay with the college that they already committed to.

   

  I Was Declined From a College I Really Hoped to Attend. What Can I Do?

   

  A rejection letter is a redirection, not a defeat.

   

  Process the Emotion

  It is okay to feel frustrated. You put a lot of work into that application.

   

  The Appeal Option

  You can appeal a denial, but only under specific circumstances: a significant error in your file (like a transcript mistake) or a major life event that wasn’t mentioned. General “I really want to go” appeals are rarely successful. And in general, it is quite rare for a college to change their mind and accept a previously declined student. But it CAN happen. So if this particular college is really important to you, it may be worth submitting an appeal.

   

  That said, similar to the above section regarding wait-listed students, appeals are often not reviewed until after May 1st, so you’ll want to secure your slot at a college that accepted you, pay the enrollment and housing deposits, and focus on getting excited about the college you committed to while waiting to hear back on your appeal.

   

  My Financial Aid Offer Was Less Than I Expected. Can I Ask for More?

  If your dream school gave you a “Yes” but the price tag is a “No,” you can appeal for more money.

   

  How to Appeal

  Submit a formal “Professional Judgment” request to the Financial Aid office.

   

  Leverage

  If a similar school offered you $5,000 more in merit aid, share that offer with your preferred school. They may match it to win you over; however, this usually is only something that a private or out-of-state college will be swayed by. Public in-state universities will typically not offer additional financial aid or scholarships unless you have special circumstances, as outlined below.

   

  Special Circumstances

  Highlight any “Special Circumstances” like a parent’s job loss, high medical expenses, living in an abusive home environment, being homeless or at risk of homelessness, or support of an elderly relative, etc. that isn’t reflected on the FAFSA.

   

  What Is the Best Source of Scholarships That Can Help Me Make Up My Funding Gap?

   

  Even with a great aid package, most families face a “gap” of several thousand dollars. This is where ScholarshipOwl really makes the difference.

   

  ScholarshipOwl Is More Than Just a Scholarship Website

  Most scholarship sites are just lists. ScholarshipOwl is a one-stop platform that streamlines the application process, AND helps you to prioritize the scholarships you have a better chance of winning!

   

  AI-Powered Scholarship Recommendations and Unparalleled Matching

  ScholarshipOwl uses your profile data to find scholarships you are actually eligible for, saving you hours of searching.

   

  Access Strategy Tools

  With ScholarshipOwl, you can focus on vetted scholarships with high credibility scores, and fewer applicants. You can also track the status of your submitted applications. Don’t love writing scholarship essays? Leverage the ScholarshipOwl AI Essay Assistant to help you get started on your essays! Or apply for tons of scholarships that don’t require an essay at all!

   

  Don’t Stop

  Many students stop applying for scholarships once they choose a college. The most successful students apply for scholarships year-round, aiming for 3 scholarships per week all the way until they finish their college education.

   

  Not yet a member of ScholarshipOwl? Start your free 7-day trial at www.ScholarshipOwl.com!

   

  I’ll Have to Borrow to Be Able to Afford the College I Want to Attend. Should I Take Out Loans?

   

  If you must borrow, prioritize federal student loans and avoid private student loans if at all possible. More details about loans can be found earlier in this blog post.

   

  If the only way to attend is via massive private loans, the school is likely not a sound financial investment and it will be best if your admission decision on these colleges is a “no.” Your future self will thank you for choosing a more affordable path!

   

  I’m a Parent Considering Taking Out Loans to Help My Child Pay for College. What Are My Options?

   

  Parents often feel a heavy burden to “give their child the best.” But it’s important to understand that taking on debt may not be in your best interest, and also may not be in the best interest of your child, who would likely need to take on federal student loans in addition to the loans you yourself are considering taking on.

  Before taking out debt, be sure you understand your options:

   

  Parent PLUS Loans

  Parent PLUS Loans are federal loans in the parent’s name. They have higher interest rates than student loans, and the debt is owned by the parent, not the student. As such, even if your child says they will pay back Parent PLUS Loans for you, they are not legally obligated to do so – only you are legally obligated to repay these loans.

   

  Many well-meaning students with the best intentions will agree to repay these loans, and may even sign a document agreeing to do so. But again, only you as the parent is legally bound to repay Parent PLUS Loans, and graduating students often find that they can’t afford to repay their own student loans as well as yours. On top of that, your newly-minted college graduate may not be able to afford paying their rent, utilities, car payment, car insurance, food, etc. along with loan debt. So the most sincere promises made might unfortunately be unkept.

   

  If you choose to take out Parent PLUS Loans to help your child pay for college, the annual maximum is $20,000 per child, with a lifetime maximum of $65,000 per child.

   

  Home Equity Line of Credit (HELOC)

  If you own a home and have a significant amount of equity in your home, you may want to consider taking out a HELOC to help your child pay for college. HELOC loans use your home as collateral, and you can generally write-off the interest you would pay on your HELOC if you itemize your taxes.

   

  Private Parent Loans

  Some parents take out personal loans to help their child pay for college. Your ability to do so will depend on your credit rating as well as your income, assets, etc.

   

  Now You Know Your Options. Should You Take On Debt to Help Your Child Pay for College?

  There is much to consider here. You should absolutely NOT feel that you “should” take on debt to help your children pay for college. Remember:

   

  • • Your child can borrow for college; you cannot borrow for retirement.
    • If you take on debt to help one child pay for college, you may feel personally obligated to do so for subsequent children. So think carefully before proceeding.
    • If you do decide to move forward, ensure the debt is manageable (no more than 10% of your monthly income) before signing.
    • Expect that any debt you take on will be YOURS to repay, not your child’s. Whatever they promised, and no matter how sure they were when making those promises, their income after graduating may be less than they anticipate and/or their monthly expenses may be higher than they anticipate.

   

  Are There Other Things I’m Not Thinking of that Could Help Pay for College?

   

  If the math isn’t adding up, consider these “under the radar” tactics:

   

  Get Your Employer to Help You Pay for College

  Work for a company that will help you for your degree via tuition reimbursement or other education benefits. There are actually MANY restaurants and retailers that will do this, even for part-time employees!

   

  Reframe the Definition of a “Dream School”

  Attending a lower-cost state school is often a better admission decision than attending a “prestigious dream school” that leaves you with tens of thousands in debt. Isn’t graduating debt-free the real dream??

   

  Start at a Community College

  Spending two years at a local college and then transferring to your top choice can save you $50,000+ without changing the name on your final diploma! Choosing to start at community college is a smart decision, both academically and financially! Sometimes this is absolutely the right admission decision you can make, regardless of how many universities accepted you.

   

  Gap Year for Savings

  Take a year to work full-time and prioritize applying for scholarships. You’ll be able to save a significant amount of money and apply it towards your education.

   

  Conclusion

   

  The next few weeks will be a whirlwind of emotions and numbers. Remember: the goal isn’t just to get into college; it’s to get through college and into a career without a mountain of debt. Evaluate your offers with a clear head, use ScholarshipOwl to bridge your funding gap, and make the admission decision that sets you up for long-term freedom!

  The post Making Your Admission Decision: Navigating Your College Admissions and Financial Aid Offers appeared first on ScholarshipOwl.

• European Parliament Sakharov Fellowship 2026 (Funded) [2026-01-26]
  Deadline: February 15, 2026 Applications are open for the European Parliament Sakharov Fellowship 2026. The European Parliament’s Sakharov Fellowship offers up to 14 human rights defenders selected from non-EU countries the opportunity to follow a two-week intensive training in Brussels and at another location in an EU Member State. The empowering programme for human rights [...]
• International Astronomy and Astrophysics Competition 2026 [2026-01-26]
  Deadline: April 17, 2026 Applications are open for the International Astronomy and Astrophysics Competition 2026. The International Astronomy and Astrophysics Competition is an educational science competition that enables students from all countries to test their skills in astronomy and astrophysics. Participants can receive certificates, awards, cash prizes, and global recognition. Since 2019, thousands of students [...]
• Efiwe Program 2026 – Building the World’s Next Generation of Software Developers [2026-01-26]
  Deadline: Ongoing Applications are open for the Efiwe Program 2026. Efiwe is a mobile-first launchpad for aspiring developers and digital learners who want to build real, job-ready coding skills using the device they already own. Powered by advanced artificial intelligence, Efiwe enables learners to master web development directly from their smartphones through interactive challenges, real-time [...]
• Inside the ODIC Journey: Real Stories from Impact Challenge Winners [2026-01-25]
  BackgroundEvery year, the OD Impact Challenge attracts thousands of young changemakers from across the world, each bringing bold ideas, lived experiences, and a desire to build meaningful impact. While the outcomes of the challenge are celebrated, the journeys behind those outcomes often remain unseen.Behind every shortlisted application, finalist email, and winning announcement is a process [...]
• How Artificial Intelligence Can Be Used as a Tool for Wealth Building [2026-01-25]
  Artificial intelligence is increasingly shaping how individuals and organisations create, manage, and grow economic value. Beyond speculation and trend-driven narratives, its real contribution to wealth building lies in how it improves decision-making, expands productive capacity, and reduces inefficiencies. When applied deliberately, AI functions not as a substitute for human judgment but as a tool that [...]

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PhD & Academia

• 01/15/21 PHD comic: 'NEW BOOK! Out of Your Mind!' [2022-01-31]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "NEW BOOK! Out of Your Mind!" - originally published 1/15/2021

  For the latest news in PHD Comics, CLICK HERE!

• 08/31/23 PHD comic: 'New Book! Oliver's Great Big Universe!' [2021-12-14]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "New Book! Oliver's Great Big Universe!" - originally published 8/31/2023

  For the latest news in PHD Comics, CLICK HERE!

• 10/22/21 PHD comic: 'Current Status' [2021-10-25]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "Current Status" - originally published 10/22/2021

  For the latest news in PHD Comics, CLICK HERE!

• 09/24/21 PHD comic: '...Said No Academic Ever.' [2021-09-27]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "...Said No Academic Ever." - originally published 9/24/2021

  For the latest news in PHD Comics, CLICK HERE!

• 09/17/21 PHD comic: 'The COVID-19 Virus Explained' [2021-09-18]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "The COVID-19 Virus Explained" - originally published 9/17/2021

  For the latest news in PHD Comics, CLICK HERE!

• Ecology at a Crossroads: The Tension Between Publishing and Innovating [2026-01-12]

  Modern scientific publishing is often portrayed as a neutral system advancing knowledge through merit and debate, but in practice it operates as a competitive economy of prestige, metrics, and scarcity. Academic survival increasingly depends on publishing frequently and rapidly in a narrow set of high-impact journals, shaping not only how research is evaluated but also which questions are asked…

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• The Global Decline of Research Communications in the Disinformation Field [2025-11-18]

  In recent years, academic research has become a target of political hostility. Governments and partisan movements have delegitimized, defunded, or discredited entire scholarly fields, while those working on topics that intersect with politics, media, or technology have faced escalating scrutiny. This has been observed particularly in environments where research findings challenge powerful…

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• The invisible orchestrator: How ChatGPT-5 redefines scientific reproducibility [2025-10-09]

  Following considerable anticipation, ChatGPT-5 has arrived. Instead of the much-touted artificial general intelligence (AGI), OpenAI has delivered a more intelligent, orchestrator model that now internally selects the appropriate sub-model to perform a given task. For a simple request, it will choose a smaller, faster model. For a complex one, it will employ models that require more computational…

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• Populism, platforms, and the challenges of science communication [2025-07-07]

  What is disinformation and how does the spread of disinformation affect liberal democracies worldwide? I notice, the longer I work on this topic, that “disinformation” is really an umbrella term—in the sense that it covers many different phenomena, each of which may have its own logic, but they are all grouped under the same label. I find this relevant because I’m particularly interested in a…

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• When scientists are targeted, what helps? [2025-06-30]

  A researcher receives anonymous death threats after appearing on TV. A climate scientist is publicly discredited by a powerful politician. A young academic switches research topics to avoid online harassment. Such stories are increasingly shared by the research community and could signal growing hostility towards science. In June 2025, a co-creative workshop was organised by the KAPAZ project…

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