Scholarships are the holy grail of financial aid. You don’t have to pay them back, and they don’t come with added interest. If you think collegiate scholarships are hard to come by, think again. Research shows that 58% of families use scholarships to fund all or part of college tuition.
- Enter for your chance to win a share of $50,000 – No essay required
- Personalized scholarship recommendations & matching
- 7-day free trial available for all premium features
- AI-powered essay assistance & scholarship credibility scores
Many scholarships have limited application windows and may not be available year-round. If you still have a funding gap, private student loans can help cover remaining costs while you continue your scholarship search.
Information advertised valid as of 09/01/2026. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s).
All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit.
College Ave Student Loan Servicing, LLC, NMLS#1263410 NMLS Consumer Access
College Ave’s student loan products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or BTG Pactual Bank, N.A., member FDIC
Information advertised valid as of 09/01/2026. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s).
All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit.
College Ave Student Loan Servicing, LLC, NMLS#1263410 NMLS Consumer Access
College Ave’s student loan products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or BTG Pactual Bank, N.A., member FDIC
Information advertised valid as of 09/01/2026. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s).
All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit.
College Ave Student Loan Servicing, LLC, NMLS#1263410 NMLS Consumer Access
College Ave’s student loan products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or BTG Pactual Bank, N.A., member FDIC
Interest Rates Disclosure
Actual rate and available repayment terms will vary based on your financial profile. Our lowest rates are only available for the most credit qualified existing cosigned loan borrowers who receive the 0.25% Loyalty discount and requires selection of our shortest term offered, full principal and interest payment while in school, and enrollment in our 0.25% Auto Pay discount. Enrolling in Auto Pay is not required as a condition for approval. Interest rates are subject to change.
Loyalty Discount
To be eligible for the Loyalty Discount, applicants must have previously obtained an Earnest Private Student Loan and apply using the same email address associated with that loan. Only one Loyalty Discount may be applied per eligible Earnest Private Student Loan. Not all applicants may qualify. This offer cannot be combined with Earnest’s Rate Match program. Earnest may modify or discontinue this offer at any time and without notice, however, once a Loyalty Discount is earned, it will not be taken away.
In-School Loans Disclosures
Earnest Private Student Loans are subject to credit approval. Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need: 1) Look for funds you don’t have to pay back, like scholarships, grants, and work-study opportunities. 2) Next, fill out a FAFSA® form to apply for federal student loans options. 3) Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2. For more information, visit the Department of Education website at studentaid.gov.
Auto Pay Discount
You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. It is important to note that the 0.25% Auto Pay discount is not available when loan payments are deferred during the interim period as a result of selecting the deferred repayment option.
Cosigner Release
To qualify for automatic cosigner release, the outstanding principal balance of your loan must be paid down to 50% or less of the original principal balance. The primary borrower must have made 36 months of required payments after the end of the Interim Period. The primary borrower must meet our eligibility and minimum credit requirements. Additional terms and conditions may apply.
To request cosigner release, the primary borrower must have made 12 consecutive, monthly on-time principal and interest payments (or an amount equal thereto) immediately preceding the cosigner release application. The primary borrower must satisfy certain eligibility and credit criteria at the time of application. Additional terms and conditions may apply.
Grace Period
Nine-month grace period is not available for borrowers who choose our Principal and Interest Repayment plan while in school.
Loan Cost Examples
Available interest rates are subject to change. Interest rates as of 03/19/2026. Earnest’s Loan Cost Examples:
1.) These examples provide estimates based on principal and interest payments beginning immediately upon loan disbursement. Variable annual percentage rate (“”APR””): A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% interest rate without Auto Pay (16.85% APR) would result in a total estimated payment amount of $27,511.20. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $150.30) and a 16.49% interest rate without Auto Pay (16.49% APR) would result in a total estimated payment amount of $27,054.10.
2.) These examples provide estimates based on interest-only payments while in school. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% interest rate without Auto Pay (16.85% APR) would result in a total estimated payment amount of $35,515.14. For a variable loan, after your starting rate is set, your rate will then vary with the market. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $140.42 for 57 months. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $150.30) and a 16.49% interest rate without Auto Pay (16.49% APR) would result in a total estimated payment amount of $34,886.94. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $137.42 for 57 months.
3.) These examples provide estimates based on fixed $25 payments while in school. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $253.39) and a 16.85% interest rate without Auto Pay (14.92% APR) would result in a total estimated payment amount of $47,035.20. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $246.61) and a 16.49% interest rate without Auto Pay (14.65% APR) would result in a total estimated payment amount of $45,814.80. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $25.00.
4.) These examples provide estimates based on deferred payments. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $275.17) and a 16.85% interest rate without Auto Pay (14.67% APR) would result in a total estimated payment amount of $49,530.60. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $268.03) and a 16.49% interest rate without Auto Pay (14.39% APR) would result in a total estimated payment amount of $48,245.40. Your actual repayment terms may vary. Other repayment options are available. It is important to note that the 0.25% Auto Pay discount is not available when the deferred repayment option has been selected and the loan is in the interim period. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $0.
Loan Minimum
Residents of Hawaii must request a loan of at least $1,501.
Repayment Terms and Options
Repayment terms and repayment options available vary based on loan type.
Skip a Payment
Earnest clients may skip a payment through a single, one-month forbearance during a 12 month period. Your first request to skip a pay can be made once you’ve made at least 6 months of consecutive on-time full principal and interest payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Any unpaid accrued interest may capitalize (added to the principal balance) at the end of the forbearance period by adding unpaid accrued interest to the outstanding principal as permitted by law and the terms of the loan agreement. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.
No Fees
Earnest does not charge fees for origination, late payments, returned check, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.
Earnest Private Student Loans are made by FinWise Bank, Member FDIC. FinWise Bank, 756 East Winchester, Suite 100, Murray, UT 84107. Earnest student loans are serviced by Earnest Operations LLC, 300 Frank H. Ogawa Plaza, Suite 340, Oakland, CA 94612. NMLS #1204917, with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770). FinWise Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.
Interest Rates Disclosure
Actual rate and available repayment terms will vary based on your financial profile. Our lowest rates are only available for the most credit qualified existing cosigned loan borrowers who receive the 0.25% Loyalty discount and requires selection of our shortest term offered, full principal and interest payment while in school, and enrollment in our 0.25% Auto Pay discount. Enrolling in Auto Pay is not required as a condition for approval. Interest rates are subject to change.
Loyalty Discount
To be eligible for the Loyalty Discount, applicants must have previously obtained an Earnest Private Student Loan and apply using the same email address associated with that loan. Only one Loyalty Discount may be applied per eligible Earnest Private Student Loan. Not all applicants may qualify. This offer cannot be combined with Earnest’s Rate Match program. Earnest may modify or discontinue this offer at any time and without notice, however, once a Loyalty Discount is earned, it will not be taken away.
In-School Loans Disclosures
Earnest Private Student Loans are subject to credit approval. Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need: 1) Look for funds you don’t have to pay back, like scholarships, grants, and work-study opportunities. 2) Next, fill out a FAFSA® form to apply for federal student loans options. 3) Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2. For more information, visit the Department of Education website at studentaid.gov.
Auto Pay Discount
You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. It is important to note that the 0.25% Auto Pay discount is not available when loan payments are deferred during the interim period as a result of selecting the deferred repayment option.
Cosigner Release
To qualify for automatic cosigner release, the outstanding principal balance of your loan must be paid down to 50% or less of the original principal balance. The primary borrower must have made 36 months of required payments after the end of the Interim Period. The primary borrower must meet our eligibility and minimum credit requirements. Additional terms and conditions may apply.
To request cosigner release, the primary borrower must have made 12 consecutive, monthly on-time principal and interest payments (or an amount equal thereto) immediately preceding the cosigner release application. The primary borrower must satisfy certain eligibility and credit criteria at the time of application. Additional terms and conditions may apply.
Grace Period
Nine-month grace period is not available for borrowers who choose our Principal and Interest Repayment plan while in school.
Loan Cost Examples
Available interest rates are subject to change. Interest rates as of 03/19/2026. Earnest’s Loan Cost Examples:
1.) These examples provide estimates based on principal and interest payments beginning immediately upon loan disbursement. Variable annual percentage rate (“”APR””): A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% interest rate without Auto Pay (16.85% APR) would result in a total estimated payment amount of $27,511.20. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $150.30) and a 16.49% interest rate without Auto Pay (16.49% APR) would result in a total estimated payment amount of $27,054.10.
2.) These examples provide estimates based on interest-only payments while in school. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% interest rate without Auto Pay (16.85% APR) would result in a total estimated payment amount of $35,515.14. For a variable loan, after your starting rate is set, your rate will then vary with the market. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $140.42 for 57 months. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $150.30) and a 16.49% interest rate without Auto Pay (16.49% APR) would result in a total estimated payment amount of $34,886.94. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $137.42 for 57 months.
3.) These examples provide estimates based on fixed $25 payments while in school. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $253.39) and a 16.85% interest rate without Auto Pay (14.92% APR) would result in a total estimated payment amount of $47,035.20. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $246.61) and a 16.49% interest rate without Auto Pay (14.65% APR) would result in a total estimated payment amount of $45,814.80. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $25.00.
4.) These examples provide estimates based on deferred payments. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $275.17) and a 16.85% interest rate without Auto Pay (14.67% APR) would result in a total estimated payment amount of $49,530.60. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $268.03) and a 16.49% interest rate without Auto Pay (14.39% APR) would result in a total estimated payment amount of $48,245.40. Your actual repayment terms may vary. Other repayment options are available. It is important to note that the 0.25% Auto Pay discount is not available when the deferred repayment option has been selected and the loan is in the interim period. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $0.
Loan Minimum
Residents of Hawaii must request a loan of at least $1,501.
Repayment Terms and Options
Repayment terms and repayment options available vary based on loan type.
Skip a Payment
Earnest clients may skip a payment through a single, one-month forbearance during a 12 month period. Your first request to skip a pay can be made once you’ve made at least 6 months of consecutive on-time full principal and interest payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Any unpaid accrued interest may capitalize (added to the principal balance) at the end of the forbearance period by adding unpaid accrued interest to the outstanding principal as permitted by law and the terms of the loan agreement. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.
No Fees
Earnest does not charge fees for origination, late payments, returned check, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.
Earnest Private Student Loans are made by FinWise Bank, Member FDIC. FinWise Bank, 756 East Winchester, Suite 100, Murray, UT 84107. Earnest student loans are serviced by Earnest Operations LLC, 300 Frank H. Ogawa Plaza, Suite 340, Oakland, CA 94612. NMLS #1204917, with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770). FinWise Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.
Interest Rates Disclosure
Actual rate and available repayment terms will vary based on your financial profile. Our lowest rates are only available for the most credit qualified existing cosigned loan borrowers who receive the 0.25% Loyalty discount and requires selection of our shortest term offered, full principal and interest payment while in school, and enrollment in our 0.25% Auto Pay discount. Enrolling in Auto Pay is not required as a condition for approval. Interest rates are subject to change.
Loyalty Discount
To be eligible for the Loyalty Discount, applicants must have previously obtained an Earnest Private Student Loan and apply using the same email address associated with that loan. Only one Loyalty Discount may be applied per eligible Earnest Private Student Loan. Not all applicants may qualify. This offer cannot be combined with Earnest’s Rate Match program. Earnest may modify or discontinue this offer at any time and without notice, however, once a Loyalty Discount is earned, it will not be taken away.
In-School Loans Disclosures
Earnest Private Student Loans are subject to credit approval. Before applying for private student loans, it’s best to maximize your other sources of financial aid first. It’s recommended to use a 3-step approach to assembling the funds you need: 1) Look for funds you don’t have to pay back, like scholarships, grants, and work-study opportunities. 2) Next, fill out a FAFSA® form to apply for federal student loans options. 3) Finally, consider a private student loan to cover any difference between your total cost of attendance and the amount not covered in steps 1 and 2. For more information, visit the Department of Education website at studentaid.gov.
Auto Pay Discount
You can take advantage of the Auto Pay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment from a checking or savings account. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in Auto Pay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. It is important to note that the 0.25% Auto Pay discount is not available when loan payments are deferred during the interim period as a result of selecting the deferred repayment option.
Cosigner Release
To qualify for automatic cosigner release, the outstanding principal balance of your loan must be paid down to 50% or less of the original principal balance. The primary borrower must have made 36 months of required payments after the end of the Interim Period. The primary borrower must meet our eligibility and minimum credit requirements. Additional terms and conditions may apply.
To request cosigner release, the primary borrower must have made 12 consecutive, monthly on-time principal and interest payments (or an amount equal thereto) immediately preceding the cosigner release application. The primary borrower must satisfy certain eligibility and credit criteria at the time of application. Additional terms and conditions may apply.
Grace Period
Nine-month grace period is not available for borrowers who choose our Principal and Interest Repayment plan while in school.
Loan Cost Examples
Available interest rates are subject to change. Interest rates as of 03/19/2026. Earnest’s Loan Cost Examples:
1.) These examples provide estimates based on principal and interest payments beginning immediately upon loan disbursement. Variable annual percentage rate (“”APR””): A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% interest rate without Auto Pay (16.85% APR) would result in a total estimated payment amount of $27,511.20. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed APR: A $10,000 loan with a 15-year term (180 monthly payments of $150.30) and a 16.49% interest rate without Auto Pay (16.49% APR) would result in a total estimated payment amount of $27,054.10.
2.) These examples provide estimates based on interest-only payments while in school. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $152.84) and a 16.85% interest rate without Auto Pay (16.85% APR) would result in a total estimated payment amount of $35,515.14. For a variable loan, after your starting rate is set, your rate will then vary with the market. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $140.42 for 57 months. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $150.30) and a 16.49% interest rate without Auto Pay (16.49% APR) would result in a total estimated payment amount of $34,886.94. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $137.42 for 57 months.
3.) These examples provide estimates based on fixed $25 payments while in school. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $253.39) and a 16.85% interest rate without Auto Pay (14.92% APR) would result in a total estimated payment amount of $47,035.20. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $246.61) and a 16.49% interest rate without Auto Pay (14.65% APR) would result in a total estimated payment amount of $45,814.80. Your actual repayment terms may vary. Other repayment options are available. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $25.00.
4.) These examples provide estimates based on deferred payments. Variable interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $275.17) and a 16.85% interest rate without Auto Pay (14.67% APR) would result in a total estimated payment amount of $49,530.60. For a variable loan, after your starting rate is set, your rate will then vary with the market. Fixed interest rate: A $10,000 loan with a 15-year term (180 monthly payments of $268.03) and a 16.49% interest rate without Auto Pay (14.39% APR) would result in a total estimated payment amount of $48,245.40. Your actual repayment terms may vary. Other repayment options are available. It is important to note that the 0.25% Auto Pay discount is not available when the deferred repayment option has been selected and the loan is in the interim period. The calculation assumes that the “in-school” period is 4 years (48 months) and includes our 9 month grace period, during which the monthly payment will be $0.
Loan Minimum
Residents of Hawaii must request a loan of at least $1,501.
Repayment Terms and Options
Repayment terms and repayment options available vary based on loan type.
Skip a Payment
Earnest clients may skip a payment through a single, one-month forbearance during a 12 month period. Your first request to skip a pay can be made once you’ve made at least 6 months of consecutive on-time full principal and interest payments, and your loan is in good standing. The interest accrued during the skipped month will result in an increase in your remaining minimum payment. The final payoff date on your loan will be extended by the length of the skipped payment periods. Any unpaid accrued interest may capitalize (added to the principal balance) at the end of the forbearance period by adding unpaid accrued interest to the outstanding principal as permitted by law and the terms of the loan agreement. Please note that skipping a payment is not guaranteed and is at Earnest’s discretion. Your monthly payment and total loan cost may increase as a result of postponing your payment and extending your term.
No Fees
Earnest does not charge fees for origination, late payments, returned check, or prepayments. Florida Stamp Tax: For Florida residents, Florida documentary stamp tax is required by law, calculated as $0.35 for each $100 (or portion thereof) of the principal loan amount, the amount of which is provided in the Final Disclosure. Lender will add the stamp tax to the principal loan amount. The full amount will be paid directly to the Florida Department of Revenue. Certificate of Registration No. 78-8016373916-1.
Earnest Private Student Loans are made by FinWise Bank, Member FDIC. FinWise Bank, 756 East Winchester, Suite 100, Murray, UT 84107. Earnest student loans are serviced by Earnest Operations LLC, 300 Frank H. Ogawa Plaza, Suite 340, Oakland, CA 94612. NMLS #1204917, with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770). FinWise Bank and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.
Did you know? 96% of private undergraduate student loans have a cosigner.
We’ve gathered scholarships for students with various GPAs, talents, and even heights. (You read that right: heights.) Keep reading for everything you need to know about college scholarships.
Table of Contents
- No-essay scholarships
- Merit-based scholarships
- Scholarships for low GPAs
- Transfer scholarships
- Scholarships for past-due tuition
- Service scholarships
- Scholarships for felons
- Scholarships for athletes
- Scholarships by height
- Scholarships by hair color
- Scholarships for lefties
- Scholarships for people with glasses
- Mental health scholarships
- Scholarships for students with disabilities
- Scholarships for students with disabled parents
- Scholarships for women
- Scholarships for LGBTQ+ students
- Scholarships for brand loyalists
- Fast food scholarships
- Lion’s Club scholarships
- Weird scholarships
- What can I do if I don’t qualify for these scholarships?
- How to apply for a scholarship
- Avoid scholarship red flags
No-essay scholarships
Many scholarships don’t require a personal statement or essay at all. With no or minimal GPA requirements and quick, streamlined applications, no-essay scholarships are some of the easiest opportunities to apply for. Learn more about no-essay scholarships and explore options below.
| Scholarship | Amount | Deadline |
| ScholarshipOwl | $1,000 | Ongoing (awarded monthly) |
| Appily Easy Money Scholarship | $1,000 | Ongoing (awarded monthly) |
| Niche “No Essay” Scholarship | $2,000 | September 30 |
| The “No Sweat” Scholarship | $2,500 | September 30 |
Merit-based scholarships
Merit-based scholarships are awarded based on a student’s achievements: academic, athletic, artistic, or extracurricular. These awards can come directly from the university or from independent organizations that want to support high-performing students. We’ve listed some examples below.
| Scholarship | Amount | Deadline |
| St. John’s University Freshman Merit Scholarship | Varies | With admission application; December 1 for early action or February 1 for regular decision |
| SBB Research Group STEM Scholarship | $2,500 | November 30 |
| Gen and Kelly Tanabe Scholarship | $1,000 | December 31 |
Scholarships for low GPAs
You don’t need a perfect 4.0 to get a scholarship. Eligibility for some scholarships isn’t solely tied to your academic performance, making them accessible to a broader range of students. Read more about low-GPA scholarships here, and explore some of our recommendations below.
| Scholarship | Amount | Deadline |
| Equitable Excellence Scholarship | $20,000 | Sign up for 2027 updates |
| Courage to Grow Scholarship | $1,000 | September 30 |
| E-waste Scholarship | $1,000 | April 30 |
Transfer scholarships
Transfer scholarships are designed specifically for students moving from one college or university to another—often from a community college to a four-year institution. These awards can help cover tuition gaps and recognize academic achievement, leadership, or financial need during the transition.
| Scholarship | Amount | Deadline |
| St. John’s University Transfer Distinction Award | $23,000 | With admission application; December 1 for early action or February 1 for regular decision |
| St. John’s University Transfer Merit Scholarship | Up to $26,000 | With admission application; December 1 for early action or February 1 for regular decision |
| Jack Kent Cooke Foundation Undergraduate Transfer Scholarship | Up to $55,000 | December 9 |
Collegiate scholarships for past-due tuition
Falling behind on tuition payments doesn’t necessarily mean your college journey has to end. Some scholarships and emergency aid programs are designed specifically to help students cover past-due balances. Read more about scholarships and loans for past-due tuition.
| Scholarship | Amount | Deadline |
| UNCF Emergency Student Aid (ESA) | Up to $10,000 | Multiple scholarships due on different dates in September |
| Bold.org Scholarships Finder | Varies by scholarship | Multiple scholarships due on different dates |
Service scholarships
Service scholarships are awarded to students who serve their communities—or whose family members do. This includes children of police officers, firefighters, EMTs, and military service members. Some awards come from individual colleges, while others are national programs available to anyone who meets the criteria.
Scholarships for children of public servants
| Scholarship | Amount | Deadline |
| St. John’s University Service Awards (Children of police officers, firefighters, or military service members) | Up to $2,000 each for up to 4 years | With admission application; December 1 for early action or February 1 for regular decision |
| First Responders Children’s Foundation Scholarships | Varies by scholarship | TBA |
Scholarships for veterans and military families
| Scholarship | Amount | Deadline |
| Paralyzed Veterans of America (PVA) Scholarship | $1,000 – $2,500 | Spring |
| Kathern F. Gruber Scholarship Program | 4 awards valued at $2,500 each | April 30 |
| CTU Patriot Scholarship | Full tuition | June 30 |
Tip: Even if you don’t see your school listed here, many colleges offer their own scholarships for public service or military families. Always ask your financial aid office what may be available.
Scholarships for felons
In recent years, federal legislation expanded financial aid access to people impacted by incarceration. Scholarships for people with felonies, like those listed below, continue to be a consistent source of educational funding.
| Scholarship | Amounts |
| The Prison Education Foundation (PEF) Scholarship | 4 – 16 credit hours |
| Transcending Through Education Foundation (TTEF) Scholarship | $1,000 |
| Charles W. Colson Scholarship | Assistance with full tuition and on-campus room and board for single students. Full tuition and housing for married students. |
| Willy the Plumber Scholarship | Varies |
Collegiate scholarships for athletes
Student-athletes can take advantage of a vast pool of scholarships, particularly if they perform well academically while giving it their all during matches and competitions. Whether you’re a star quarterback or captain of the dance team, learn more about athletic scholarships here and check out specific examples below.
| Scholarship | Amount | Deadline |
| Michigan High School Athletic Association Scholar-Athlete Award | $2,000 each | December 4 |
| Women’s Western Golf Association (WWGA) Scholarship | $20,000 | March 7 |
| National Strength and Conditioning Association (NSCA) Scholarship | Varies | October 15 |
| National Collegiate Athletic Association (NCAA) Walter Byers Graduate Scholarship | $24,000 | January 5 |
Dance scholarships
Dance scholarships recognize students with exceptional talent, dedication, and potential in dance. Offered by colleges, private organizations, and foundations, they often require an audition, portfolio, or personal statement. These awards help reduce educational costs while supporting artistic growth.
| Scholarship | Amount | Deadline |
| Hope College Distinguished Artist Awards for Dance | $3,000/year | February 22 |
| National YoungArts Foundation – Dance | $250-$10,000 | October 6 |
| Princess Grace Foundation – Grace Kelly Training Scholarships | $10,000 | Feb. 15, 2025 |
| Princess Grace Foundation – Grace Kelly Scholarships | $6,000 total | TBA |
Swimming scholarships
Swimming scholarships recognize student-athletes who excel in academics and competitive swimming. They may be awarded by colleges, athletic foundations, or major scholarship programs, with eligibility often based on GPA, leadership, community involvement, and ongoing participation in the sport.
| Scholarship | Amount | Deadline |
| University of Georgia Swimming Scholarship Endowment Program | Varies | TBA |
| Walter Byers Postgraduate Scholarships Program | $24,000 | January 5 |
Weightlifting
While few scholarships are exclusively for weightlifters, there are several awards that support students in fitness-related fields or who compete in strength-based events. These scholarships often emphasize personal drive, community involvement, and passion for fitness—whether or not you’re pursuing an athletic major. Read more about options here and check out the example below.
| Scholarship | Amount | Deadline |
| Arnold Sports Festival Columbus Rotary Scholarship | $2,000 | February 15 |
Scholarships by height
Not all scholarships are based on academics or athletics—some are awarded based on physical traits like height. Whether you’re tall or short, there may be money on the table just for being you.
Scholarships for tall people
Women around 5’10” or higher and men generally at least 6’2″ may qualify for scholarships meant for tall people. Read more about scholarships for tall people and check out examples below.
| Scholarship | Amount | Deadline |
| Tall Club International (TCI) Memorial Scholarship | At least $1,000 | TBA: Registration opens in January |
| Boston Beanstalks Tall Club (BBTC) Scholarship | $500 | TBA |
Scholarships for short people
Some scholarships support students of shorter stature, often focusing on those with forms of dwarfism or related conditions. These awards typically consider factors like community involvement, academic achievement, and membership in relevant organizations. Read more about scholarships for short people here.
| Scholarship | Amount | Deadline |
| Little People of America (LPA) Scholarship | $250 – $1,000 (sometimes more) | April 5 |
Scholarships for redheaded students
Yes—you read that right. Some scholarships are awarded based on your hair color (or at least use it as a quirky theme for eligibility or selection). These lighthearted awards could give you a financial boost, and a good story to tell.
Read more about scholarships for red-haired students here.
| Scholarship | Value | Deadline |
|---|---|---|
| RedHead Scholarship | $500 | TBA |
Scholarships for lefties
While scholarships exclusively for left-handed students are rare, a few still exist—and they often reward uniqueness, creativity, and personal growth. Whether you’re pursuing culinary arts or simply want to showcase your southpaw story, these scholarships for lefties are a great place to start.
Scholarships for people with glasses
You can find scholarships for students with impaired vision, like these.
| Scholarship | Amount | Deadline |
| Fred Scheigert Scholarship Program | $3,000 | February |
| National Federation of the Blind | $10,000 | TBA |
| American Council of the Blind (ACB) Scholarship | $2,000 – $7,500 | February 14 |
Mental health scholarships
Scholarships exist that are specific to students with mental health diagnoses and students who have struggled with their mental health.
| Scholarship | Amount | Deadline |
| Jared Monroe Foundation Scholarship | $250 – $2,300 | May |
| The Andrew Q. Peschard Memorial Scholarship | $1,000 | March |
Scholarships for students with disabilities
Some scholarships are reserved for students with mental, physical, and intellectual disabilities, including the ones below. Learn more about paying for college for people with disabilities.
| Scholarship | Amount | Deadline |
| The Lep Foundation for Youth Education | Up to $5,000 | May |
| Jack Scura Fund Annual Scholarship | $10,000 | TBA |
| Buckfire & Buckfire, P.C. Disability Scholarship Program | $1,000 | October 1 |
Collegiate scholarships for students with disabled parents
Even if you don’t have a disability yourself, you might qualify for scholarships for students impacted by a relative’s disability.
| Scholarship | Amount | Deadline |
| Mesothelioma.com Scholarship | $4,000 | March 31 |
| Millie Brother Scholarship | Varies | February |
Scholarships for women
Women, too, have historically been barred from pursuing higher education opportunities. These scholarships for women can help make earning a college degree more affordable.
| Scholarship | Amount | Deadline |
| Women in STEM Scholarship | $3,000 | April 30 |
| American Association of University Women (AAUW) fellowships | Varies | Sept. 30, 2026 |
| Rae Lee Siporin Scholarship for Women | $1,000 | TBA |
Scholarships for LGBTQ+ students
Queer and transgender students continue to face barriers to access when it comes to critical needs, like healthcare, housing, and education. Admission to a college or university can help LGBTQ+ students meet those needs, making scholarships for LGBTQ+ students an invaluable funding resource.
| Scholarship | Amount | Eligibility |
| Stonewall Community Foundation scholarships | $5,000 – $7,500 each | TBA |
| LEAGUE Foundation Scholarships | Varies | April |
For additional scholarships, browse the Horizon Foundation LGBTQ+ scholarship directory.
Scholarships created by companies
While many scholarships come from nonprofit or athletic organizations, you’ll also find several scholarships from big-name companies. You might recognize some of your favorite brands and banks in the list below.
| Scholarship | Amount | Deadline |
| U.S. Bank Student Scholarship | Up to $20,000 | October 30 |
| Dell Scholars program | $20,000 | February 15 |
| Coca-Cola Scholars Foundation | $20,000 | September 30 |
| Pepsi Community Scholarship Fund | $1,000 | March |
Fast food scholarships
Working or having ties to the fast food industry can open doors—literally. Several chains offer scholarships to support students pursuing higher education, often rewarding leadership, community service, and resilience. Whether you’re flipping burgers or envisioning a future in management, these programs can provide serious financial flavor. Learn more about fast food scholarships.
| Scholarship | Amount | Deadline |
| KFC REACH Educational Grant Program | Up to $20,000 | TBA |
| McDonald’s HACER National Scholarship | Not disclosed | TBA |
| Taco Bell Live Más Scholarship | Not disclosed | TBA |
Lion’s Club scholarships
Lions Club scholarships are typically offered by local chapters of Lions Clubs International, aimed at high school seniors who demonstrate academic dedication, community involvement, and good citizenship. Since each chapter sets its own criteria, awards can vary widely—but for students rooted in their communities, these local scholarships are well worth exploring.
| Scholarship | Amount | Deadline |
| Sanibel Captiva Lions Club – Francis Bailey Scholarship | $3,000/year (renewable up to 4 years) | May 1 |
| Union Lions Club (Northern IL) | $1,500 | April 5 |
| 4 County Lions Club (MD) | Varies; based on application | March 31 |
Weird scholarships
Sometimes the most unusual paths lead to money for school. If you’re ready to think outside the box—and maybe even outside the realm of logic—here are a few scholarships that reward the delightfully odd. Read our full scholarship guide here.
| Scholarship | Award | Deadline |
| Theodore Gordon Flyfishers Founders Fund Scholarship | $5,000 | June 30 |
| The Vegetarian Resource Group Scholarships | $5,000 – $10,000 | February 20 |
| Illustrators of the Future Contest | $500 each per quarter | First quarter: December 31 Second quarter: March 31 Third quarter: June 30 Fourth quarter: September 30 |
What can I do if I don’t qualify for these scholarships?
We understand that college is expensive. Scholarships can be a great way to pay for school, but if you don’t see a scholarship that you’re eligible for and you’ve applied for no-essay scholarships like ScholarshipOwl, there are still plenty of options.
Check with community service and faith-based organizations in your area, and research professional groups for the degree programs or career fields you’re considering.
You might also have luck perusing our list of one-of-a-kind scholarships you probably didn’t know existed.
If you’ve exhausted all options and still face a tuition shortfall, borrowing may be your next step. Compare the pros and cons of private student loans to determine if it’s the right choice to close your funding gap.
How to apply for a scholarship
Every scholarship has its requirements, and how you’ll apply depends on what kind of organization sponsors the scholarship:
- Private scholarships: These are offered by corporations, small businesses, and nonprofits. You usually have to apply to these one by one.
- Institutional scholarships: These are offered by colleges, universities, and trade schools. You may be required to apply to these individually, or your school may automatically consider you for its scholarships when you’re granted admission.
You shouldn’t have to complete the FAFSA as part of a private scholarship application. However, your school may require you to submit the FAFSA before it can disburse scholarship awards.
If you’re applying for individual scholarships, whether private or school-based, this is what you can expect to do:
- Understand the scholarship’s requirements: Read through the eligibility and application requirements list and note the deadline. Gather any listed materials well in advance of the due date.
- Update your resume: You may need to list your academic accomplishments, extracurricular activities, or work or volunteer experience.
- Request transcripts and letters of recommendation: You might have to show proof of academic achievement or provide character references. If you’re requesting college transcripts, you may have to pay a small processing fee (usually no more than $20).
- Enter your personal and academic information: You’ll need to provide your name and contact details. You may also need to share what school you’re attending and what you plan to study.
- Answer application questions or write supporting essays: You may need to convince the selection committee why you’re the best pick or tell them how the scholarship will help further your education.
- Upload audition tapes, highlight reels, or copies of your work (if needed): This usually only applies to scholarships for musicians, athletes, and artists.
- Submit your application, and hang tight for a decision: The next step is often getting a yay or nay from the scholarship committee. However, you may be asked to participate in interviews or in-person auditions before finding out if you’re selected.
If you’re awarded a scholarship, the selection committee will let you know how it’ll disburse those funds. Usually, your scholarship money will go directly to your school. Sometimes, though, you might get the funds as a paper check or bank deposit.
Tips for scholarship applications
Scholarships are arguably the most affordable way to pay for college, and they can be competitive. Read through these tips before you apply for scholarships to up your odds of getting free money for school:
- Start early: Applications take time, especially if you need reference letters or transcripts. Plan for a minimum of two weeks to request and receive those documents, and give yourself plenty of time to fulfill any additional requirements in advance of the deadline.
- Tailor your resume to each scholarship: If you have to submit a resume, draw the committee’s attention to your most relevant extracurriculars, academic achievements, and professional or community service experience.
- Provide your resume when you request letters of recommendation: When you do this, you’re basically saying, “These are things I want the scholarship committee to know about me.” Don’t assume your recommenders know what to include or what to highlight.
- Tell your recommenders about the scholarship: The more information your recommenders have about the scholarship and its selection criteria, the better equipped they’ll be to focus on the right things in your letter of recommendation.
- Submit your documents correctly: Each application may require you to use certain file types or restrict your ability to see your letters of reference. Follow instructions to the letter, or risk your application being denied on a technicality.
- Be authentic: Unless you’re applying for the World’s Best Rocket Scientist Scholarship (which isn’t a thing, by the way), the scholarship committee isn’t expecting you to be a Nobel Prize-level candidate. They’re looking for real students with real goals and real potential. You don’t need to lie or embellish; you just need to be yourself.
Just as importantly, don’t get disheartened if you’re not selected. Some scholarships have thousands of applicants, and others draw winners at random. It’s not a reflection of your ability or value if you aren’t chosen.
Continue applying to other scholarships in the meantime, and reapply to any scholarships you missed out on during the next submission cycle.
You could even ask the scholarship committee for insight on how to improve your application the next time around. They may or may not be able to provide that feedback, but it’s worth a shot.
Avoid collegiate scholarship red flags
As you apply for scholarships, stay alert for scams. Less-than-reputable scholarship sites can mimic legitimate ones quite well, and other “scholarship opportunities” are just data-mining operations in disguise. If you see any of these red flags, steer clear:
- Too many pop-ups, and zero privacy disclosures: If a scholarship site flashes ad after ad and doesn’t have an easy-to-find privacy policy, something’s amiss.
- Sensitive information required: No legitimate scholarship will ask for your Social Security number, bank account details, or credit card information.
- No contact information listed: If a scholarship application asks for your details but doesn’t provide any of its own, hit the back button immediately.
- Sounds too good to be true: Scholarships aren’t guaranteed. Any site that makes lofty promises likely isn’t operating on the up and up.
- Pay to apply: Scholarships don’t cost money, ever. If you’re asked to pay a fee as part of your application, run.
- Unsolicited contact: If you get a text, call, or email from someone claiming that you won a scholarship you never applied to, it’s likely a scam. This is especially true if the spammer creates a sense of urgency around accepting your “award.”
Of course, scholarship green flags exist, too. Here are signs that a potential scholarship opportunity is legit:
- The website is compliant: The privacy policy, terms of use, and terms and conditions are all accessible and updated within the last year.
- Eligibility criteria are clearly listed: Even if a scholarship has lenient requirements, awards are financial in nature and subject to regulation. That regulatory information, at the very least, should be readily accessible.
- The sponsoring organization exists outside of the application page: If you find news articles and active social media accounts for the company funding the scholarship, that’s a good sign. (Bonus points if those articles or posts feature past winners!)
- You can easily contact the scholarship committee: Working contact information is another indicator that you’ve found a reputable opportunity.
When in doubt, reach out. Ask questions about the scholarship, and gauge how helpful the organization’s responses are. A trustworthy scholarship source will be forthright and transparent.
If at any point you feel pressured, uncomfortable, or guilty for doing your research, trust your gut and walk away. There are far too many ways to pay for college to risk your information falling into the wrong hands.
About our contributors
-
Written by Sarah Sheehan, MATSarah Sheehan is a writer, educator, and analyst who focuses on the impact of health, gender, and geography on financial equity. Her ultimate goal? To live beyond the confines of chasing the next dollar—and to teach everyone else how to do the same.
-
Edited by Amanda HankelAmanda Hankel is a managing editor at LendEDU. She has more than seven years of experience covering various finance-related topics and has worked for more than 15 years overall in writing, editing, and publishing.
-
Reviewed by Gail Urban, CFP®Gail Urban, CFP®, AAMS®, has been a licensed financial advisor since 2009, specializing in helping individuals. Before personal financial advising, she worked as a business financial manager in several industries for about 25 years.