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  • Bursaries, Grants and Scholarships: What is the difference?

    Bursaries, Grants and Scholarships: What is the difference?

    What is a bursary? I am sure you have heard this term in passing while in your career class, or in an information session about university or college. A bursary is a sum of money that you do not have to pay back. ScholarshipsCanada.com defines a bursary as a sum of money that is given to a student who is very much in need of financial assistance in order to attend a post-secondary institution.[1] Some students are more in need of assistance than others, and bursaries can help them achieve their goals of going to school.

    The word bursary is similar to the word “grant” when it comes to giving money to students for school. In the same right, it is a sum of money that can be given to a student through a business, organization or private source, for free. The Government of Canada also gives many grants to students who want to attend post-secondary education, depending on their financial situation.

    “When you apply for student financial assistance, your eligibility for most Canada Student Grants will automatically be assessed. You may be able to get more than one grant at a time.”[2]

    So, if you apply for a student loan, in other words, you will also be applying to grants on top of your student loan application. The website http://www.canlearn.ca/ is a great place to start when looking for grants or bursaries.

    Like grants, scholarships do not have to be paid back in any way. In most cases, scholarships are awarded on the basis of academic merit. However, scholarships can also be given to students that have illustrated great athletic achievement-often called an “athletic scholarship”. A student can also apply for scholarships that look at their accomplishments in volunteer work.

    If you are planning on going to university or college, you must explore every option for financing. Tuition fees are only going up, as well as the cost of living. It is important to confront these realities in order to succeed in your goals for the future. More and more students in Canada are getting in debt, which leads to problems in the future. If you do not have a job coming out of university, it can be very challenging to “keep up with the joneses”. In a report from CBC News, it states that university tuition has risen 3.2% to an average of $6191.00 in 2015, alone.[3]

    Sources:

    [1] http://www.scholarshipscanada.com/News/8/2974/Scholarships,-Bursaries,-Loans,-and-Awards-What-s-the-Difference?

    [2] http://www.canlearn.ca/eng/loans_grants/grants/index.shtml

    [3] http://www.cbc.ca/news/business/university-tuition-average-cost-1.3220538

  • July-September Scholarships: Apply Now!

    July-September Scholarships: Apply Now!

    For most, summer has begun. That doesn’t mean there aren’t any scholarships to prepare for! When it comes to financing your future, you should always be looking ahead. New scholarships pop up every day. We’ve listed some scholarships for the summer and all the way up to September, 2015. Be sure to check out some of the all-year submission scholarships, too!

    Best of luck!

    • Arctic Physical Therapy Scholarship

    Scholarship Value: $500

    Awards Available: 1

    Award Deadline: August 31, 2015

    http://www.physicaltherapistanchorage.com/

     

    • Odenza Marketing Group Scholarship

    Scholarship Value: $500

    Awards Available: 1

    Award Deadline: September 30, 2015

    http://odenzascholarships.com/awards/8/eligibility_odenza_marketing_group_scholarship.php

     

    • Starfleet Scholarships

    Amount $1,000

    Provided by Starfleet International

    Deadline July 15, 2015

    Website http://www.sfi.org/

    Application Address: http://www.sfi.org/scholarships/#

     

    • Algoma University Alumni Entrance Award III

    Amount $2,000

    Provided by Algoma University

    Deadline August 15, 2015

    Website http://www.algomau.ca/awards/entrance_scholarships/

     

    • Atlas Shrugged Essay Contest

    Provided by Ayn Rand Institute Canada

    Deadline September 17, 2015

    Website http://aynrandnovels.com/essay-contests.html

    Application Address http://essaycontest.aynrandnovels.org/Anthem.aspx?theme=blue

    * Entrant must be a 12th Grader, College Undergraduate, or Graduate Student. Visit website for more details. First Prize: $10,000 3 Second Prizes: $2,000 5 Third Prizes: $1,000 25 Finalists: $100 50 Semifinalists: $50 (All Prize Amounts US$).

     

    • Bill 7 Award

    Amount $2,000

    Provided by Bill 7 Award

    Deadline August 08, 2015

    Website http://bill7award.ca/apply/

    Application Address http://bill7award.ca/application-form/

    *The Bill 7 Award is open to individuals who meet ALL of the following criteria: individuals who are attending a Post-Secondary Educational Institution in the Province of Ontario; who have demonstrated financial need; who are attaining their FIRST post-secondary program of study; and who identify as lesbian, gay, bi-sexual, transgender, transsexual, two-spirited, and/or queer (LGBTTTQ2S). Applicants must submit the following documents, along with their complete applications. These documents may be attached in .pdf, .doc or .txt format.

    • a copy of OSAP estimate (if applicable)
    • Proof of registration / Acceptance from the post-secondary institution
    • Reference letter
    • A letter of reference from a teacher, guidance counsellor, coach, employer, community or social worker, doctor, religious leader or similar professional who can support your application
    • A personal statement, 250 words or fewer, detailing why you should be selected as the recipient of the Bill 7 Award.
    • You may wish to consider how your studies or future work will contribute to the improvement of the LGBTTTQ community and/or provide us with any other information you feel we should know about you that will make you a good candidate, such as children, family, relationships, disabilities, experiences of discrimination, living situation, geographic context, etc.

     

     

    • Ipsos $2,000 Scholarship

    Amount $2,000

    Provided by Ipsos – North America

    Website https://rec.i-say.com/research/links/20504/index.php?id=&utm_source=edgi&utm_placement=q2&utm_content=banner&utm_campaign=yps

    Application Address https://rec.i-say.com/research/links/20504/index.php?id=&utm_source=edgi&utm_placement=q2&utm_content=banner&utm_campaign=yps

     

    • Student Assistance Bursary (SAB)

    Amount $1,000

    Provided by Algonquin College

    Website http://www.algonquincollege.com/ro/pay/financial-aid/bursaries/

    Application Address http://www.algonquincollege.com/ro/pay/financial-aid/bursaries/financial-aid-fall-bursaries/

     

    • Angus Reid Forum Panel Contest

    Amount $1,000

    Provided by Vision Critical

    Website https://www.angusreidforum.com/R.aspx?a=9111&rm_state=b$22d2a103281c4df79f2bdf6946cc2757|e$0|l$0|u$&utm_source=edge&utm_name=genpop&utm_medium=FS

    Application Address https://www.angusreidforum.com/R.aspx?a=9111&rm_state=b$22d2a103281c4df79f2bdf6946cc2757|e$0|l$0|u$&utm_source=edge&utm_name=genpop&utm_medium=FS

     

    • Oil and Gas, Trades and Technology Award – Apprenticeship

    Deadline: Open all year

    Application form: https://indspire.ca/wp-content/uploads/2014/11/indspire-ogtt-apprenticeship-2014.pdf

    *Successful futures are created through hard work, creativity, and perseverance. Each one of us has a unique potential to achieve, and for First Nation, Inuit, and Métis students, Indspire is here to help make that happen.

     

     

  • Government Grants For Students in Canada

    Government Grants For Students in Canada

    Money is always hard to come by when getting ready for University or College. Thankfully, the Government of Canada can help students at different income levels, achieve their educational goals. As a student wanting to go to College or University, you should explore all the options you can.

    Click on the links below to find out how the Government of Canada can help you, no matter what your financial situation:

    • For Low-Income Families:

    http://www.canlearn.ca/eng/loans_grants/grants/low.shtml

    • For Middle-income Families:

    http://www.canlearn.ca/eng/loans_grants/grants/middle.shtml

    • For Full-time students with Dependents:

    http://www.canlearn.ca/eng/loans_grants/grants/dependants.shtml

    • Grants for Part-time studies:

    http://www.canlearn.ca/eng/loans_grants/grants/part_time.shtml

    • Grants for Part-time students with dependants:

    http://www.canlearn.ca/eng/loans_grants/grants/part_time.shtml#dependant

    • Grants for students with permanent disabilities:

    http://www.canlearn.ca/eng/loans_grants/grants/disabilities.shtml

    • Grant for services and equipment for students with permanent disabilities:

    http://www.canlearn.ca/eng/loans_grants/grants/disabilities.shtml#service
    International Grant and Scholarship Options:

     

  • I Didn’t Get a Scholarship… Now What?

    I Didn’t Get a Scholarship… Now What?

    Money should not, under any circumstances, serve as a barrier to education, yet the reality for many students can be quite different. Faced with consistently increasing tuition, student fees, and costs of living, many students find it difficult to imagine how they will be able to afford post-secondary. Scholarships are great ways to fund your education, but they certainly aren’t the only option.

    If you applied for a scholarship but unfortunately did not receive one, don’t give up on your education yet. There are a variety of other options available that you may not have thought about. Finding money to go to school may be difficult, but do not let your apparent lack of funds stop you from pursuing your degree.

    Here are some of the things you can do if you need help financing your education.

    Speak to your parents/guardians. In fact, this is something you should do even if you have received a scholarship! Make your financial situation clear from the start, and see whether your family is able or willing to support you, and in what capacity. See what funds you have available before starting to panic.

    Work. Start searching for opportunities to make the money yourself, including part-time jobs, summer employment, or work-study positions. You may not be able to earn the full cost of your tuition, but you can certainly make a dent in it. Keep in mind that most students, even those who receive financial assistance or compensation, take on a job anyway in order to cover excess costs.

    Find out about grants and bursaries. Post-secondary institutions typically offer different types of financial assistance. Aside from scholarships, there are probably also grants and bursaries available for students who demonstrate financial need. To qualify for this option, you will likely have to complete a financial assessment according to your institution’s guidelines.

    Take on a student loan. It might seem scary to spend money you don’t have, but loans are a reality not only for students, but for individuals later in life (cars, property mortgages, etc.). Student loans are typically offered alongside special benefits, such as reduced interest rates and increased flexibility when paying back the money. In Canada, each province handles student loans differently, so research your situation thoroughly before going to the bank.

    If at first you don’t succeed… There should be plenty more opportunities for you to obtain a scholarship once you enter post-secondary. Do your research early, and see what options you have available in later years. If you work hard, there’s no reason why the scholarship board won’t reconsider you for sponsorship in the future.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.