There are two types of scholarships:

1. Merit-based scholarships that may be awarded when a student meets or exceeds certain standards or criteria set forth by the scholarship provider. This may include academic, sports, musical talent or a particular trait; or, a combination of criteria.

2. Need-based scholarships, which are given based on financial need. Scholarships are gifts and are not paid back.

The number of scholarships available nationwide is vast. No single complete list exists anywhere, not even in the U.S. Office of Education. This is due to the sheer volume of available scholarships, but also because new scholarships can crop up at any time and old ones are withdrawn at any time by their sponsors.

There is no simple answer to the question of whether or not an individual student may qualify for financial aid or a scholarship, since eligibility is determined by a number of factors, including income, assets, liabilities, number of children attending college, scholarship, school and community activities.

Each college has its own special and ever-changing list of scholarships available to entering students. It is helpful to contact the financial aid office at the college for more information on available scholarships. In addition, students should research other sources of scholarships such as parents’ employers, private clubs that parents belong to, religious affiliations, and school clubs.

Some scholarships require a letter of recommendation. Students can complete a resume form to include school and community activities as well as information on college and career plans to help recommenders write a letter. Ask community members or teachers if they would be willing to write a letter of recommendation for you. If they agree, offer them a copy of the resume to assist them in writing it. A minimum of 3 weeks should be allowed. Write a thank you to anyone who writes a letter.

Be careful of scholarship scams! While the information you enter in the FAFSA is secure and encrypted, you should not be asked to provide personal information for scholarships. This includes your bank account numbers, driver’s license number, social security number, or credit card information. Also, you should not have to pay a processing fee to apply for a scholarship or agree to pay for any services that cost money, especially if they offer “guarantees” for a high price. If you are ever unsure, please speak with a school counselor or visit your college and career center with questions or concerns.