Category: Scholarships

  • Tips for Scoring a Scholarships

    Tips for Scoring a Scholarships

    Let’s get real. Post-secondary education is expensive and very few people have thousands of dollars casually lying around the house. Most of us are in search of cash — the type that you don’t have to pay back. In other words, we’re all searching for those illustrious scholarships. If you’re new at this whole “applying-for-scholarships-because-I-need-money-to-pay-for-school-which-suddenly-isn’t-free-anymore” thing, then you’ve come to the right place.

    Here are seven helpful tips that could help you score some extra cash!

    1. You do not get scholarships for simply existing. Almost every scholarship application that you come across is going to inquire about your extracurricular activities and community involvement. You need to do something, be a part of something, or participate in something. You don’t necessarily need to be the three-time reigning champion of every competition you compete in, or the newly-elected President for every fancy club that you’re a part of. You simply need to get out there and participate.

    2. One of the hardest parts of getting free money is finding free money. Luckily, there are people who dedicate themselves to doing it for you! Make sure to check out websites like Scholarship Canada. They have information on hundreds of scholarships— both large and small. Also, take a glance at your school’s website. The majority of Guidance Councillors will actually post a list of scholarships that they’ve come across. But don’t stop there. Go the extra mile and go digging through the websites of other schools. You’re guaranteed to come across a fresh new list filled with new opportunities.

    3. Keep your eye out for obscure scholarships offered by smaller organizations. This may require an advanced Google search and some serious digging but this very well might be the key to your first scholarship. Most students set their targets on big scholarships offered by well-known companies. There’s no harm in applying for those, but your chances quickly diminish when you’re facing so much competition. However, with the lesser-known scholarships that might be sitting on page 17 of a Google search, your chances of standing out in the significantly smaller crowd are far higher.

    4. Your best bet to scoring a scholarship is to apply to as many as possible. This may sound frighteningly obvious but you would be surprised by how many people lay all of their eggs in one basket. Yes, it’s time-consuming and painstakingly tedious but you need to apply, apply, and apply some more!

    5. If a scholarship application sounds too long, too boring, or too overwhelming, there’s a pretty good chance that other students are going to think the same thing and avoid it all together. This, of course, means that you should go ahead and do it! The more tedious the application is, the less competition you’re going to have. So suck it up and get writing!

    6. Never lie. Don’t lie about your qualifications, achievements, activities, awards, or anything of the sort. Just don’t! If you get caught, you’ll suffer from third-degree embarrassment and, even worse, you may sever some really important connections.

    7. Most organizations will release profiles of the previous year’s winner. Take a look at those to find out what kind of people they’re looking for. This might give you some ideas on what to include in your own application.

  • Grants for Students with Disabilities

    Grants for Students with Disabilities

    Am I eligible?
    You are eligible if you:
    – apply and qualify for a Canada Student Loan;
    – are enrolled in a full-time or part-time program (minimum 32 weeks) at a designated post-secondary institution;
    – meet the criteria for students with permanent disabilities; and
    – include one of the following with your loan application as proof of your disability: a medical certificate, a psycho-educational assessment, or documentation proving receipt of federal or provincial disability assistance.

    What’s available?
    $2,000 per academic year (August 1 to July 31).
    This grant is available for each year of post-secondary studies, provided you continue to meet the eligibility criteria. This includes post-secondary studies beyond the undergraduate level. Grant money is issued by your province or territory of permanent residence at the beginning and in the middle of the school year.

    Since grant amounts are fixed, the amount you receive may exceed your assessed need.
    Example: If you qualify for the grant and you have an assessed need of $1,400, you will receive a $2,000 grant. In this case, the grant would cover your assessed need, so you would not need a student loan.

    How do I apply?
    The application process for this grant differs in each jurisdiction. To make sure you meet all the application requirements, contact your province or territory’s student financial assistance office.

  • Scholarships and Bursaries for Aboriginal Students

    Scholarships and Bursaries for Aboriginal Students

    Bursaries and Scholarships
    The Aboriginal Financial Officers Association of Canada is dedicated to helping Aboriginals reach the highest standard of excellence in finance and management. AFOA’s initiatives in the development of Awards and Scholarships are examples of that commitment.

    See link below for scholarships and bursaries:
    http://www.metisnation.org/programs/education–training/education/bursaries–scholarships

    Want even more options? Check out the scholarships and bursaries for Aboriginal students that we found:

    The Aboriginal Canada Portal
    Offers an online Aboriginal funding tool that offers a way to search for scholarships, bursaries, loans & grants according to your needs.

    Canada Post Aboriginal Education Incentive Award
    The Aboriginal Education Incentive Award is part of Canada Post’s nation-wide scholarship program and commitment to furthering individual potential. Each of Canada Post’s eight regions across the country will grant three awards annually: Two $1,000 scholarships for the return to and successful completion of one full year of high school and One $1,000 scholarship for the return to and successful completion of one full year of post-secondary education, including vocational or trade skills training.

    FAAY (Foundation for the Advancement of Aboriginal Youth)
    FAAY is a scholarship program operated by the Canadian Council for Aboriginal Business. CCAB is dedicated to developing the future generations of Aboriginal leaders. They have scholarships for high school or post-secondary students.

    AMMSA (Aboriginal Multi- Media Society)
    Large listing of scholarships and bursaries available to Aboriginal people (including youth) in a variety of educational programs. You can look up educational institutions and find the awards available to their Aboriginal students only.

    Royal Bank of Canada Aboriginal Scholarships 
    Royal Bank offers scholarships to all Aboriginal people and also has a summer placement program as an award to qualified applicants. Royal Bank has employment opportunities for Aboriginal students in grade 9-12 for summer employment.

  • October Scholarships of the Month – Apply Now!

    October Scholarships of the Month – Apply Now!

    Warm up those typing fingers – it’s time to go after that free money! Check out the scholarships and bursaries we have discovered this month. When it comes to funding your education, nothing beats the assistance that a scholarship can provide.

    1. Dalton Camp Award – will go to the winner or winners of an essay competition on the link between democracy and the media in Canada. Amount: $5000. Deadline: November 15, 2014.

    2. ACL & Associates Ltd. Bursary – Open to students in any field of study at Seneca College of Applied Arts and Technology. Amount: $400. Deadline: October 31, 2014.

    3. Scotiabank Customer Scholarship – Be a Scotiabank customer (or meet the “No Purchase” entry requirements) – see website for full details. Amount: $1000. Deadline: November 5, 2014.

    4. Canada’s Luckiest Student – Open to all Canadian students. Amount: Up to $75,000. Deadline: December 31, 2014.

    5. Nova Scotia Lieutenant Governor’s Respectful Citizenship Award – This award recognizes students in grades Primary to 12 in public schools, private schools, and those that are home schooled and registered with the Nova Scotia Department of Education and Early Childhood Development, who are making a positive difference in their schools, their communities and their province. Amount: Varies depending on need. Deadline: November 28, 2104.

    6. Terry Fox Humanitarian Award Program – In keeping with the spirit of his achievements, the Terry Fox Humanitarian Award program is intended to encourage Canadian youth to seek the high ideals represented by Terry Fox by the granting of commemorative awards for the pursuit of higher education. The awards will be of particular interest to graduating secondary level students and those currently studying towards a first undergraduate degree or diploma in a Canadian university or college. Award recipients must be Canadian citizens or landed immigrants. Approximately 20 awards are granted each year. Amount: Up to $7000. Deadline: February 1, 2015.

    7. TD Scholarships for Community Leadership – The TD Scholarship for Community Leadership rewards students who have shown leadership in many areas, including environmental cleanup, the promotion of social justice, and the fight against child poverty. Amount: Up to $70,000. Deadline: November 28, 2014.

  • The Scholarship Application Process

    The Scholarship Application Process

    If you have decided that you would like to apply for a scholarship then you will need to start by finding one. You will also need to apply early because you do not want to be rushed and pressured to get your application in on time. If you have really good grades and you have been able to maintain them for most of your academic career, look for academic scholarships. If you are really good in sports, then this is where you may want to focus your attention and you will want to conduct a search for these types of scholarships. Just take your time. You will find a large list of different scholarships online, at your local library or even from your school counselor.

    Take some time and really think about your positive qualities. What are you good at? What do people like about you? Do you have any experience or hobbies that make you special or help you stand out from others? What makes you the best person for the scholarship that you are looking at? If you are able to write these things down, you will be more prepared for the entire process when you are ready to start applying and completing applications. It is always best to brainstorm because you will not feel stuck the further along you get.

    Once you have your list of available scholarships you will need to get ready to apply. You should never start this process without taking your time and reading through all of the qualifications and directions very carefully. You may also find a large amount of small print on the pages and you must be sure that you are reading that as well.

    Something that you should look for when it comes to reading the application is to search for anything that says if you will be given special consideration for any work that you have completed in the past. For example, if you volunteered you may be able to write an essay about that and it can greatly improve your chances of getting the scholarship over those individuals that did not volunteer.

    Many of the scholarships that you find are going to require you to apply in the form of an essay. Always have someone read through what you have prepared to ensure that the questions were answered completely and that your spelling and grammar is correct. You will make a very poor impression if you do not do this and your essays are incomplete.

    As you can see, it can be very easy to apply for scholarships as long as you are taking your time. You may be a little bit concerned about this in the beginning but the more scholarships that you apply for the more you will be learning. It becomes easier the more that you do it and you will find that you will be more relaxed as time goes by.

    You never want to let your nerves get the better of you and you shouldn’t give up just because you are unsure about something. What you need to remember is that in many cases you may never meet the individuals that are giving you the scholarship. So, you should just try to relax and put in your best effort. If you do not succeed then no one needs to know. You can just apply for the next one and try even harder. Always try to find out why you did not get the scholarship because this can really help you determine what you may be able to do differently on the next one that you apply for. You can learn from your mistakes and that can really help you in the future if you are willing to turn a negative into a positive when it comes to your college career and your life goals.

  • Cash Advance Loans and Students – A Dangerous Mix

    Cash Advance Loans and Students – A Dangerous Mix

    Are you a college student wondering how online cash advance/payday loans fit into your finances? If you are a smart college student, then you will know online payday loans are only for emergencies. The payoff comes in just a few short weeks, so steady income is a must in order to pay it off without putting more damage into your finances.

    Here are five tips for college students who are looking to get their finances off on the right foot.

    1. Take your time getting new credit. For every creditor you apply with, there will be a mark left on your credit score. Hard inquiries to your credit done by potential creditors looking up your history will take a few points off your score for a year or two at a time. When your finances are just starting, this could bring you low really fast. Low credit scores will be denied. Too many creditors applying at once is also a warning sign for potential creditors that the applicant is desperate for cash. New creditors may take a different approach and offer incentives for the new debtor to spend more. A college student is an easy target for many marketing campaigns. Newcomers to finances are often attractive to reward programs which can trap the debtor into spending more than intended.

    2. Don’t spend your credit on frivolous things then leave yourself no room for emergency costs. Emergency costs do not need to be funded by online cash advance loans when you have room on your credit card to lighten the load. When you use and manage your credit account wisely, they are a great source of third party money to help you get by and build your credit at the same time. Make your payments on time and keep the balance below 30% whenever possible.

    3. If you are having trouble finding a creditor to approve you, you can fall back on being an authorized user on one of their accounts or have them be a co-signer to start you out on your own. The issue here is that your parents, or whomever you choose as your co-signer, will be responsible for any debt you accrue. They will also be privy to what you charge, when you charge it and where. This may not matter to some people but if you are one who may not be the best manager of money, it could be a sticky point in the relationship. If you are going to take this route, make it work for you so your credit will build into something helpful when you graduate.

    4. Are you coming out of college and are finding your student loan debt to be financially draining? Don’t default on these loans. The federal government is not a creditor you want to have after your money. Before you miss a payment, look into finding a way to defer the starting date if you still have not gotten full-time work. Ask about reduced payments or changing your payment dates to better fit your pay cycle. If you have multiple loans, try to consolidate them for a lower monthly payment. Managing your money by making on time payments may best be done with automatic payments. Some people are not organized enough to make on time payments even when they have the cash in the bank.

    5. Look into your options, which include deferring payments for a short amount of time, making reduced payments, or re-configuring your current payment schedule. Also consider consolidating multiple loans into one new loan. This often results in a lower monthly payment. Have the loan amount directly withdrawn from your bank account so you never pay late.

    Cash advance loan lenders offer emergency cash for those times when there is no other place to turn. College students often do not have the income needed to support an approval. A responsible lender will not want loan to someone without a certain income. College students have it tough in the beginning but will have great financial success when managed correctly.

  • Grants for Students with Disabilities

    Grants for Students with Disabilities

    Am I eligible?
    You are eligible if you:
    – apply and qualify for a Canada Student Loan;
    – are enrolled in a full-time or part-time program (minimum 32 weeks) at a designated post-secondary institution;
    – meet the criteria for students with permanent disabilities; and
    – include one of the following with your loan application as proof of your disability: a medical certificate, a psycho-educational assessment, or documentation proving receipt of federal or provincial disability assistance.

    What’s available?
    $2,000 per academic year (August 1 to July 31).
    This grant is available for each year of post-secondary studies, provided you continue to meet the eligibility criteria. This includes post-secondary studies beyond the undergraduate level. Grant money is issued by your province or territory of permanent residence at the beginning and in the middle of the school year.

    Since grant amounts are fixed, the amount you receive may exceed your assessed need.
    Example: If you qualify for the grant and you have an assessed need of $1,400, you will receive a $2,000 grant. In this case, the grant would cover your assessed need, so you would not need a student loan.

    How do I apply?
    The application process for this grant differs in each jurisdiction. To make sure you meet all the application requirements, contact your province or territory’s student financial assistance office.

  • Scholarships and Bursaries for Aboriginal Students

    Scholarships and Bursaries for Aboriginal Students

    Bursaries and Scholarships
    The Aboriginal Financial Officers Association of Canada is dedicated to helping Aboriginals reach the highest standard of excellence in finance and management. AFOA’s initiatives in the development of Awards and Scholarships are examples of that commitment.

    See link below for scholarships and bursaries:
    http://www.metisnation.org/programs/education–training/education/bursaries–scholarships

    Want even more options? Check out the scholarships and bursaries for Aboriginal students that we found:

    The Aboriginal Canada Portal
    Offers an online Aboriginal funding tool that offers a way to search for scholarships, bursaries, loans & grants according to your needs.

    Canada Post Aboriginal Education Incentive Award
    The Aboriginal Education Incentive Award is part of Canada Post’s nation-wide scholarship program and commitment to furthering individual potential. Each of Canada Post’s eight regions across the country will grant three awards annually: Two $1,000 scholarships for the return to and successful completion of one full year of high school and One $1,000 scholarship for the return to and successful completion of one full year of post-secondary education, including vocational or trade skills training.

    FAAY (Foundation for the Advancement of Aboriginal Youth)
    FAAY is a scholarship program operated by the Canadian Council for Aboriginal Business. CCAB is dedicated to developing the future generations of Aboriginal leaders. They have scholarships for high school or post-secondary students.

    AMMSA (Aboriginal Multi- Media Society)
    Large listing of scholarships and bursaries available to Aboriginal people (including youth) in a variety of educational programs. You can look up educational institutions and find the awards available to their Aboriginal students only.

    Royal Bank of Canada Aboriginal Scholarships
    Royal Bank offers scholarships to all Aboriginal people and also has a summer placement program as an award to qualified applicants. Royal Bank has employment opportunities for Aboriginal students in grade 9-12 for summer employment.

  • September Scholarships of the Month – Apply Now!

    September Scholarships of the Month – Apply Now!

    Is the financial reality of post-secondary education starting to settle in? Never fear – free money is here in the form of scholarships and bursaries! Get applying and help ease the financial constraints of your educational dreams.

    1. Johnson Scholarship – open to children and grandchildren of Johnson Affinity group members and/or Home-Auto clients. Students must be completing high school in 2014 and beginning post-secondary education in the fall of 2014. Amount: 50 awards of $1000. Deadline: October 15, 2014.

    2. Tronia Systems Scholarship – open to all students enrolled in an agribusiness or related program. Amount: 2 awards of $1000. Deadline: October 3, 2014.

    3. Scotiabank Customer Scholarship  – open to students enrolled in the 2014/2015 academic year at a Canadian post-secondary school who are Scotiabank customers. Amount: 6 awards of $1000. Deadline: November 5, 2014.

    4. CN Diversity Scholarship Program – open to students who meet specific criteria: please visit their website for complete eligibility requirements. Amount: $3000. Deadline: December 31, 2014.

    5. CBC Literary Prizes – These prizes recognize the best original, unpublished writing by Canadians in poetry, short story & creative nonfiction. Amount: $6000. Deadline: Varies depending on competition. Please consult website for specifics.

    6. Government of Canada Grant for Part-Time Studies – open to part-time students who have applied for a student loan through the Government of Canada. Amount: $1200. Deadline: Varies depending on your program start date. Please consult website for specifics.

    7. Traditional Fulbright Student Awards – open to Canadian citizens who are graduate students, prospective graduate students, or promising young professionals who wish to study and/or conduct research in the United States. Amount: $15,000. Deadline: November 15, 2014.