Scholarship Opportunities

scholarshipScholarships are the best way to make college affordable! The largest scholarships are generally the academic scholarships which are determined by GPAs and test scores received from college exams such as the ACT, the SAT and now the CLT. Being awarded multiple scholarships is an opportunity for high school students to make college affordable without the stress of having to take out huge loans or requiring students to work several jobs while in college. Below are links to independent scholarship opportunities as well as articles that are subject appropriate.

Raising Scores to Earn More Money: When students take college exams seriously then raising their scores in order to earn higher scholarship amounts is a goal that can be reached. Take early tests such as the PSAT and the CLT10 because they come with scholarship potential (and, generally, the more times a student takes a test the more relaxed they will be and they will perform better)! There are multiple free tutorials on-line as well as practice tests available. Two programs that many homeschooling families use are 36 University (register with the code word Bryan and save $3 per month, reducing the price from $15 to $12) and College Prep Genius. Many families have found it worthwhile to invest in preparing their students for these tests by hiring private tutors, or by taking part in test prep classes.

There are several types of scholarships, as follows:sharon-mccutcheon-552616-unsplash

  • State
  • Federal
  • College
  • Independent

State Grants:  Before (or when) your students enter high school, research the grants and scholarships offered by the state in which you live and compare them to the scholarships and grants in the state where the college is located that your students may want to attend (if outside of your state of residence). These scholarships are based on test scores, GPA and/or community service. Students will usually only qualify for state money if they have been a resident of that state during the students’ senior year (or for a year prior to attending college). For some, moving to the state where a college is located in order to qualify as in-state residents and to receive state grants is worth relocating! Knowing ahead of time what is offered will give families time to jump through required hoops or to make a move! We moved back from Florida to Tennessee before my 7th child’s senior year so he would qualify for scholarships specific to the county and to the state. (Bryan College offers a large scholarship to local seniors who attend Bryan and when we coupled that with state and federal grants his tuition was covered.)

Federal Grants: Every student (and their parents) should fill out the FAFSA in October of the senior year. The amount of money a student is eligible for is determined by the EFC (expected family contribution). Some money is limited and distributed on a first-come-first-serve basis so filling out the FAFSA as soon as possible is advised.

boy at boardCollege Scholarships: Almost every college offers a variety of scholarships. Some stack and some do not. Research the scholarship possibilities at the top colleges of your choice to find out what your students might be able to receive. At some colleges the academic and athletic scholarships do not stack. A word of advice: If your student can earn an equal amount with an academic scholarship as with an athletic scholarship, take the academic scholarship. Athletes get injured or dropped from the team and there goes the scholarship. At Bryan College the athletic and academic scholarships stack so students do not have to choose between the two. You might be surprised at some of the scholarships offered by colleges. Because Bryan College is a Christian college, they offer scholarships for students whose parents are in full time ministry. In addition there are scholarships for children of alumni, homeschooled students, and more. Bryan also has a full tuition scholarship for students living in Tennessee whose parents make less than $35,000 a year. Bryan College has scholarships related to music, theater, martial arts, the honors program and more! This is another reason to have your top college choices narrowed down, in order to compare apples with apples once you are familiar with the scholarship possibilities from each school.

Work Scholarships: Many businesses will reward high school students with financial aid for college. If a student is going to have a steady job during high school then finding a company that will help with college would be a bonus. In the past I have heard that Chic fil A, Publix and UPS have such programs, but I have not confirmed that information. If you know of businesses that do this, send me a message or comment on this post!

Independent college scholarships: Before you even begin applying for independent scholarships, set up a separate email address. Why? Because you will be bombarded with emails and offers and your contact information will be shared with other organizations. Is it worth applying for independent scholarships? Absolutely! Every little bit helps. Below are links to get started, but be sure to research your area for local scholarship opportunities that might not be offered anywhere else. Ask friends and family members if they are aware of any local businesses that offer scholarships. It may take some time and effort, but the payoff could be huge. And this article includes a list of independent scholarships. Below is a list of additional links as well as some articles to consider. michael-longmire-689531-unsplash

Scholarship Search Guide

State Scholarships 

Home Education Scholarships

Graduating Debt Free

Scholarship Sharing

Tuition Funding Source

Fast Web

Wells Fargo

Additional Outside Scholarships (Scroll down this page to see numerous additional scholarships.)

bc_9x12Added Bonuses: Check with the colleges you are considering to see if they have any  offers unique to their schools. Bryan College offers students the possibility of earning a tuition free Masters Degree if they come to Bryan after high school and graduate with a 3.5 GPA.

By the junior year in high school students should have a few top choice colleges in mind so that they will be aware of scholarship potential, both from the college as well as the state where the college is located (assuming they will reside there during their senior year). It is okay to apply to several colleges so that one can better compare the offers that come from the financial aid departments. Remember to ask about any specific scholarship opportunities available to seniors. Pursing each and every opportunity available could pay off big time. As we tell our children, “Work hard and sling mud because some of it is bound to stick.” Go get ’em!

 

Eight Mistakes Often Made by Homeschooling Parents of High School Students

Matt and able at graduationPreviously I wrote a blog post on preparing your students for college. Some students are convinced that they are not going to attend college when, in fact, they discover later that college is, in fact, needed for the career they plan to pursue. This is one of many mistakes students make that could easily be avoided. Read on in order to avoid the mistakes made by Christian homeschooling parents and their high school students. This post addresses students who attend a four year college. In general, attending a community college lessens both the preparation needed for admission as well as the need for top scholarship dollars.

Mistake #1: Not preparing for college. It is better to be prepared and not need college then to find out your students do need/want to go to college and they missed out on opportunities and experiences that would have made the transition to college easier and more affordable.

Mistake #2: Waiting until the senior year (or the summer after) to begin choosing a 32104565_1710862605671951_341012414663229440_ocollege. Discovering 2 or 3 colleges of choice should be done before the senior year so that students can take every advantage afforded them as prospective students. It is recommended that they visit the campuses and ask pertinent questions in order to find out what all needs to be completed in order to be accepted at the top colleges of their choice. Yes, I put colleges – plural. It is not unusual to apply to several colleges in order to receive financial aid packages, allowing you to compare apples with apples. Also, it is important to find out which college exams each college accepts, if they want to the writing portion included, if dual enrollment hours will transfer, and/or if the college accepts CLEP or AP credit.

Mistake #3: Not allowing students to be invested. Homeschooling parents are notorious for being over-involved in their students’ lives (been there, done that). I understand, but the more ownership your students take towards their future, the better things will go! On the other hand, if your child is apathetic and you know at some point he will regret that, do what you can to encourage him to be pro-active about his future! I often teach workshops on preparing for college and I encourage parents to bring their teens to the workshops with them. The more teens are aware of the opportunities and experiences available to them, as well as discovering ways to make college affordable, the more invested they become.

Mistake #4: Not being aware of the scholarship potential. For years I had no idea that the PSAT test score is what determines National Merit Scholarships. (Even semi-finalist can scholarshipearn a full ride to Bryan.) This is an affordable test that 9th and 10th graders can take, but the score that counts is the score earned the junior year. There are four different types of scholarships: Federal, State, college and independent. Do your research. The more a student earns in scholarship funds, the better!! A student in Tennessee can earn at least three different grants from the state if qualified! Bryan College has scholarships for homeschoolers, music, theater, Martial Arts, honor students and more! Our athletic and academic scholarships stack (and we had the #1 fishing team in the nation last year). Bryan College hosts two scholarship events each year (one per semester), and each student who attends receives a minimum of $500 in additional scholarship funds up to a full ride. Don’t miss out on scholarship opportunities! There are two highly recommended affordable prep sites that many homeschooling families use for these exams. One is 36 University and the other is College Prep Genius. Also, be sure you fill out the FAFSA in October of your student’s senior year.

Mistake #5: Not taking college exams seriously. For years I did not place an emphasis on these tests because I did not believe that they are accurate indicators of how well a student will do in college. I still maintain that belief, but I now realize that the highest scholarships are often awarded to those who achieve high scores on these exams. As a CLT logoresult, my older children received less scholarship funding than they could have earned had we put more emphasis on excelling on these tests. Once I accepted this fact, I began spending more time preparing our children for these tests. The ACT and SAT have been the two tests available to students for many years, but now there is a third college exam, the CLT, that over 100 Christian colleges and a few secular colleges accept! Here’s a post that shares more on college testing.

Mistake #6: Assuming you can’t afford a private college. Yes, college is expensive. Yes, moneythere are states that offer college tuition-free to students. However, a free education could be quite costly depending on the out-come. One regret I hear often from Christian parents is sending a student to a secular campus. That is not to say that some students won’t do well on a secular campus, because they can excel there as well (three of my nine will graduate from a secular college). As Christians, we want our students where the Lord wants them. Oftentimes, decisions are made simply on financial concerns without even pursuing enrollment at a private college. I understand! If you had told us (as parents of 9 without spare change) that any of our children would attend and graduate from a private college we might have laughed, but that’s exactly what has happened with several of our children and they have graduated (or will graduate) without student debt. The scholarships offered by colleges can be quite large, especially if they have scholarship events (such as the ones Bryan offers) that include additional scholarship awards!!

Mistake #7: Dual enrolling on a secular campus during high school (not for every student, but for some). Many states offer free dual enrollment opportunities to high school students. In many states, for the students to take advantage of this offer they have to attend a secular college (but not always.) In Tennessee there is a dual enrollment grant and students are able to choose the schools they want to attend, including Christian colleges. Dual enrolling can save a lot of money by allowing students to earn college credit while still in high school, but it is not without dangers. Here’s a post that talks more about this issue. If your students’ only option for taking dual enrollment classes is with a secular college, then you may find that on-line classes are preferable to taking classes on campus.

Mistake #8: Not taking advantage of assistance offered by umbrella organizations. Yes, many families are signed up to homeschool independently, but if you use an umbrella organization find out what is offered, particularly for high school students. In addition to providing needed transcripts, there may be additional options worth pursuing. For instance, Home Life Academy charges a $50 fee only for high school seniors and paid only once during high school years. This covers transcripts (up to one year after graduation), diplomas (cover not included), reviews and counseling during the senior year.

Being aware of this information by the time your student begins high school will help you better prepare for your students’  life after high school! Plan ahead so that you will not miss opportunities and later have regrets! If you have not downloaded the free e resource I put together to help plan for the high school years, you can do so at the e book inquiry found on this page.  Research, plan, prepare, and enjoy the high school years without repeating mistakes often made by homeschooling families!

(By the way, that top photo is my son, Matt, holding a nephew at his graduation from Bryan College and in the picture of two girls, the gal on the left is my daughter, Courtney, who  graduated from nursing school and now lives in Uganda as a missionary.)