CAP’s Weekly Private Scholarship List June 17th – 30th, 2025 

Looking for scholarships to help fund your education? College Aid Pro presents its latest weekly selection of private scholarships, tailored to meet a wide array of student needs. From high school graduates to current undergraduates and those considering studying abroad, you’ll find potential opportunities here. Act fast, as deadlines are near! Take a look at the list and keep in mind that increasing your application submissions directly increases your likelihood of receiving financial support.

Here’s a look at CAP’s curated private scholarship list with scholarship opportunities that have deadlines closing within the next week. 

Top 29 Private Scholarships for the weeks of June 17th – 30th, 2025: 

The Martin Duffy Adult Learner Scholarship:

Amount: $500
Closing Date: June 17, 2025
Open To: High School & In-College Students
Description: The Martin Duffy Adult Learner Scholarship will be awarded to Union members of Minnesota AFL-CIO affiliated unions (not high school graduating dependents). All scholarship funds are applicable only to accredited educational institutions such as universities, colleges, or vocational schools. There are no academic performance standards or records required for eligibility. Applicants must be a member in good standing of a Minnesota AFL-CIO local union; or an AFL-CIO member on lay-off status who has a valid withdrawal card, has recall rights and was in good standing for six months prior to lay-off; or a retired or disabled AFL-CIO member who was in good standing in his or her Local Union at the time of retirement or disablement. Please visit the scholarship’s website for more information. 

Women in Aerospace Foundation Scholarship:

Amount: $5,000
Closing Date: June 18, 2025
Open To: High School & In-College Students
Description: The WIA Foundation is pleased to provide scholarships to those who identify as women, who are interested in a career in the aerospace field to pursue higher education degrees in engineering, math or science. An applicant must have completed at least two and a half academic years of full-time college work at the time of application and must be currently enrolled in an accredited college or university in the United States or its territories, and plan to be enrolled in the subsequent academic year. Two letters of recommendation from a professor, or a supervisor of summer or Co-op work experience, or a supervisor of research work must be submitted. Recommendations from relatives will not be accepted. Please visit the scholarship’s website or contact the Foundation for more information. 

$1000 Legit Course Reviewers Scholarship Program:

Amount: $1,000
Closing Date: June 20, 2025
Open To: High School & In-College Students
Description: In education, not everyone gets the same chance to do well. To help students and discuss online learning, Legit Course Reviewers made a scholarship program. The Legit Course Reviewers $1000 Scholarship Program wants to help students and talk about education. By asking applicants to think about online learning, they hope to learn more about modern education. Applicants have to be in the US or Canada legally or have a student visa. Applicants must also be in college in the US or Canada. Please visit the scholarship’s website for more information.

Chief Manuelito Scholarship Program:

Amount: $3,000 – $7,000
Closing Date: June 25, 2025
Open To: High School & In-College Students
Description: The Navajo Nation established the Chief Manuelito Scholarship program in 1980 to recognize high achieving high school graduates and undergraduate students. High school graduates must be admitted to a post-secondary institution with the required minimum ACT (SAT scores will be converted) composite score in combination with a minimum cumulative GPA. They must have completed required courses including Navajo Language and Navajo Government prior to their high school graduation date. Students, who do not have access to either Navajo Language or Navajo government classes, have online options to fulfill the requirement. Applicants must have scored 85 percent or better on the Navajo Language Renaissance (NLR) exam to fulfill the Navajo language requirement. Applicants must also complete coursework from American Academy to fulfill the Navajo government and/or language requirement. Undergraduate applicants must complete 24 semester college-level credit hours (or equivalent trimester or quarter credit hours) with a cumulative GPA of 3.0 or higher. Students seeking an Associate of Applied Science, Bachelors of Applied Science or Certificate are not eligible as the scholarship is limited to college-level courses. The online application for the 2024-2025 academic year opens on March 15 and closes on June 25, 2024. The application deadline for the 2025 winter/spring term is November 25, 2024. Please visit the award’s website or contact ONNSFA for more information.

ONNSFA Financial Need-Based Award:

Amount: $2,500
Closing Date: June 25, 2025
Open To: High School & In-College Students
Description: The ONNSFA Graduate Award will be provided to Navajo students seeking graduate-level degrees. Graduate applicants shall pursue only one degree at the same level: a master’s degree, an education terminal degree, or a doctorate’s degree. Full-time graduates or postgraduates must earn nine or more semester credit hours with a term grade point average of 3.00 or higher. Medical, veterinary, and law student applicants shall be a “full-time graduate applicant” and earn no less than a 2.00 GPA or “passing” grade at the end of each academic term. To be considered eligible, students must be officially and fully admitted to a post-secondary institution accredited by one of the regional accrediting associations recognized by the Navajo Nation. The online application for the 2024-2025 academic year opens on March 15 and closes on June 25, 2024. The application deadline for the 2025 winter/spring term is November 25, 2024. Please visit the award’s website or contact ONNSFA for more information.

ONNSFA No Need-Based Award:

Amount: $1,000
Closing Date: June 25, 2025
Open To: High School & In-College Students
Description: The ONNSFA No Need-Based Award will be provided to students who are deemed to have enough resources to meet the cost of attendance at a college or university of their choice. To be considered eligible, students must be officially and fully admitted to a post-secondary institution accredited by one of the regional accrediting associations recognized by the Navajo Nation. The online application for the 2024-2025 academic year opens on March 15 and closes on June 25, 2024. The application deadline for the 2025 winter/spring term is November 25, 2024. Please visit the award’s website or contact ONNSFA for more information. 

Kimbo Foundation Scholarship:

Amount: $2,500
Closing Date: June 28, 2025
Open To: High School & In-College Students
Description: The Kimbo Foundation has been one of the largest and oldest scholarship foundations in the United States for the Korean community. The foundation started to give scholarships to Black and Hispanic students to improve racial harmony since 2013. Applicants must be 2024 fall college entering students or college students. Students should apply to certain areas of Korea Daily where the college they are currently attending; 2024 fall college entering students should apply to the area that the high school is located: Los Angeles, New York, Atlanta, San Francisco, Washington D.C., Chicago, and Denver. The foundation chooses scholarship recipients primarily based on academic achievement, essay, recommendation letter, community activity, and financial needs. Applicants must be full-time students, however, part-time students may apply if the applicant takes at least 6 units and works more than 20 hours a week. Applicants must submit a letter of recommendation from either a Professor, Teacher, clergy, etc. The applicants must also submit their parents’ 2023 Tax Report. The applicant’s Community Volunteer and Internship List and any award winning carrier List must also be submitted. Graduating high school students must submit their college admission letter. Please visit the scholarship’s website for more information.

New York State Tuition Assistance Program:

Amount: $500 – $5,665
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The New York State Tuition Assistance Program is available to students attending full-time, part-time, and in non-degree workforce credential programs. Applicants must be a legal New York State resident for 12 continuous months prior to enrolling or qualified under NYS DREAM Act. For academic year 2023-2024, the NYS net taxable income cannot exceed $80,000 for dependent students; $40,000 for married students with no dependents; and $10,000 for independent single students with no dependents. The scholarship will be awarded for 3 years to students pursuing their associate degree full-time; 4 years to students pursuing their bachelor’s degree full-time; and 5 years to students in approved five-year degree programs. Applicants must have graduated from high school in the United States, earned a high school equivalency diploma (GED), or passed a federally approved “Ability to Benefit” test. Applicants must also attend an approved college, be enrolled in a degree-granting program of study and maintain good academic standing, and be charged at least $200 for tuition per year. Please visit the scholarship’s website for more information.

NYS Regents Awards for Children of Deceased and Disabled Veterans:

Amount: $450
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The NYS Regents Awards for Children of Deceased and Disabled Veterans were created to provide financial aid to students whose parent(s) served in the U.S. Armed Forces during specified times of national emergency. Students whose parent(s) served in the U.S. Armed Forces during specified periods of war or national emergency and, as a result of service, died, suffered a 40 percent or more disability, was classified as missing in action, or was a prisoner of war are eligible to apply. The veteran must currently be a New York State resident or have been a New York State resident at the time of death. The applicant must be pursuing an approved undergraduate degree at a college or university located in NYS. Once you have established your eligibility you must complete the Free Application for Federal Student Aid (FAFSA) and apply for the Tuition Assistance Program (TAP). Please visit the scholarship’s website for more information.

Radiology Centennial Scholarship:

Amount: $2,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Radiology Centennial Scholarship will be awarded to a student who demonstrates outstanding academic achievement and a potential for continued achievement beyond graduation. The scholarship award is available to students enrolled in an accredited Oral and Maxillofacial Radiology graduate program beyond the first year at the time of applying for the award. Previous winners of this Award are not eligible. Applicants are not eligible for the Howard R. Raper Award. Applicants should be members of the American Academy of Oral and Maxillofacial Radiology or should have applied for such membership. Three letters of reference are required; one reference must be from a dentist or a dental school representative, preferably an Oral & Maxillofacial Radiologist. The other recommendations are the choice of the student. Please visit the award’s website or contact the American Academy of Oral & Maxillofacial Radiology for more information.

Greek Women’s University Club Scholarships:

Amount: $5,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The EOK scholarship program is for deserving young women who have demonstrated community service, leadership, and academic achievement. Previous applicants may apply but must submit a new application. Prior recipients are not eligible. Applicants must submit their verification of enrollment in an accredited US college or university as a degree candidate for undergraduate or graduate study (i.e. letter from advisor, letter of matriculation, tuition bill). Recommendation forms from two academic, professional, or personal references must also be submitted. Applications may also be submitted through email or mail to Jackie McCabe from Hellenic Women’s Club, Inc., EOK Scholarship Committee. Please visit the scholarship’s website for more information.

Joseph Frasca Excellence in Aviation Scholarship:

Amount: $2,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Joseph Frasca Excellence in Aviation Scholarship was established through the University Aviation Association to encourage others to reach the highest level of achievement in their aviation studies. Applicants must have evidence of excellence in activities, studies, events, organizations, etc., related to aviation. They must also have Federal Aviation Administration certifications or qualifications in either aviation maintenance or flight. Applicants must also have membership in at least one Aviation organization such as Alpha Eta Rho, NIFA Flying Team, Experimental Aircraft Association, Warbirds of America, etc. They must also demonstrate involvement in Aviation activities, projects, events, etc., which will demonstrate an interest and an enthusiasm for aviation. Applicants must be currently enrolled in a University Aviation Association (UAA) member institution. Preference will be given to applicants with demonstrated interest or experience in aviation simulation; demonstrated interest or experience in aircraft restoration; demonstrated interest or experience in aerobatics; work experience in aviation; work experience while in school; and financial need. An essay is optional and may be submitted. Completion of it will enhance the applicant’s application packet and non-completion will not eliminate them from consideration. Please visit the scholarship’s website for more information.

Sue Marsh Weller Memorial Scholarship Fund:

Amount: $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Sue Marsh Weller Memorial Scholarship Fund provides funding for at least one scholarship for applicants entering or currently enrolled in an ALA-accredited program of graduate study specializing in children’s librarianship with plans to work with children or youth. This scholarship is typically awarded depending upon hours enrolled. Each applicant must accept employment in an Indiana library within one year after completing their library education and must continue to work in an Indiana library for at least one year after accepting employment. If a recipient does not comply with these conditions, the scholarship must be repaid as a loan. Two letters of recommendation are required. At least one recommendation must be from a librarian. All letters of recommendation should be of a professional nature. References from current or previous employers, library trustees, current or previous teachers or professors, or others who comment on your potential as a library professional are acceptable. Please visit the scholarship’s website for more information.

Esther Schlundt Memorial Scholarship Fund:

Amount: $750 – $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Esther Schlundt Memorial Scholarship Fund provides scholarship funding for one or more applicants entering or currently enrolled in an ALA-accredited graduate degree program in library and information science or seeking a Library Technical Assistant Associate Degree (until Ivy Tech phases out) or enrolled in courses in an approved public library certification program. This scholarship is typically awarded in the amount of up to $1,000 for students pursuing the graduate degree and up to $750 for students seeking the Library Assistant Associate degree or public library certification courses, depending upon hours enrolled. Each applicant must accept employment in an Indiana library within one year after completing their library education and must continue to work in an Indiana library for at least one year after accepting employment. If a recipient does not comply with these conditions, the scholarship must be repaid as a loan. Two letters of recommendation are required. At least one recommendation must be from a librarian. All letters of recommendation should be of a professional nature. References from current or previous employers, library trustees, current or previous teachers or professors, or others who comment on your potential as a library professional are acceptable. Please visit the scholarship’s website for more information.

Annual AMN/HCC Scholarship Essay Contest:

Amount: $3,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: HCC is proud to recognize success in the field of communications by presenting one or more students with a scholarship for their passion for healthcare. High school seniors and college students currently enrolled in a San Diego, Orange, Los Angeles and Riverside school district who plan to enter the field of healthcare upon graduation are invited to submit an application for the opportunity to win a scholarship. Every application must include the completed HCCSC Scholarship Cover Sheet. A letter of recommendation must accompany each entry. The letter may be written by a teacher, principal, counselor or professional presently working in the healthcare field. College students must submit both of their high school and college unofficial transcripts. Please visit the scholarship’s website for more information.

Maine Osteopathic Association Scholarship:

Amount: $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Maine Osteopathic Association Scholarship will be awarded to the successful applicant who is a resident of Maine and able to present proof of enrollment at an approved osteopathic college. Students are eligible only if they can provide acceptable evidence of legal residence in the state of Maine for a period of not less than three years prior to their first application. Residence in Maine for the purpose of post-secondary education only is not considered evidence of Maine residency for this program. Preference is given to applicants who evidence an interest in returning to Maine to practice primary care. Please visit the scholarship’s website or contact the Maine Osteopathic Association for more information.

Marsha’s Angels Scholarship:

Amount: $2,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: Marsha’s Angels is a scholarship fund honoring the memory of Marsha Yarnell and her more than 30 years of nursing. For her last 22 years, Marsha was a labor and delivery nurse in Wichita, Kansas. She was an inspiration to family, friends and co-workers. Successful scholarship applicants will demonstrate the desire to share Marsha’s love for helping others and for quality patient care. Qualified students will have completed all prerequisites and be ready to enter the first year of an accredited two-year nursing program (RN). Students in a four-year BSN program will have completed the first two years of general studies and pre-requisites and be ready for the final two years of nurse’s training (RN). A student who will be taking part in a qualified program in the fall of 2024 may submit an application as soon as acceptance to that program has been established. Applicants eligible for the 2024 scholarship will be graduating in the spring of 2026. Applicants living in Sedgwick County, Kansas or one of the surrounding counties may use the scholarship to attend an accredited nursing program anywhere in the United States. Those living elsewhere in the United States may use the scholarship to attend an accredited nursing program in Sedgwick County, Kansas or one of the surrounding counties or St. Luke’s College of Health Sciences in Kansas City, Missouri, Marsha’s alma mater. Please visit the scholarship’s website or contact the Scholarship Fund for more information.

David Malcolm Scholarship:

Amount: $2,500
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The David Malcolm Scholarship is for students who have overcome obstacles to educational achievement and require help to continue on the path to success. Eligible applicants are high school seniors or college students who have already shown perseverance in pursuing a college degree. The essay submission should not exceed 1,000 words. Please visit the scholarship’s website for more information.

Cafe Bustelo El Cafe Del Futuro Scholarship:

Amount: $5,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Cafe Bustelo El Cafe Del Futuro Scholarship will be awarded to college students at institutions that are members of the Hispanic Association of Colleges and Universities (HACU). The scholarship is open to legal residents of the 50 United States, D.C. and Puerto Rico, who are currently enrolled as a student at a HACU member institution and are of Latino descent: Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin. After applying, finalists will be notified to submit the following supporting documents: a letter of recommendation from a school advisor, community leader or mentor that includes a description of how the student has demonstrated commitment to their education and community; enrollment verification form; and official transcript from the college or university attending. Please visit the scholarship’s website for more information.

Quality Company Formations Scholarship:

Amount: $631 – $820
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: QCF specializes in providing a full range of company structures for new start businesses. We fully appreciate how challenging it can be to start a new business, particularly for those who are also studying at university or college. That’s why we offer scholarships devoted exclusively to aspiring entrepreneurs. This is a one-off payment, and should be utilized to further develop each winner’s business concept. The QCF scholarship is open to both current and incoming undergraduate and postgraduate students, currently enrolled at an accredited learning institution in the UK or the US. Please visit the scholarship’s website for more information.

Do-Over Scholarship:

Amount: $1,500
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Do-Over Scholarship is open to all U.S. students who are 14 and older and who are currently enrolled (or enroll no later than fall of 2026) in an accredited postsecondary institution of higher education. Please visit the scholarship’s website for more information. 

AAJA Seattle Founders’ Scholarship:

Amount: $1,500
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The AAJA Seattle Founders’ Scholarship will be awarded to those who would like to attend the 2024 national Asian American Journalists Association convention in Washington, DC. Applicants are eligible if they are either: on the path to graduating from or have graduated from a Washington state high school; or attending a public or private college in Washington state. Applicants do not need to identify as a student of color to apply for this scholarship. Strong preference will be given to applicants who demonstrate an understanding of and commitment to the importance of diverse cultural backgrounds and experiences in newsrooms. Please visit the scholarship’s website for more information.

Digital Privacy Scholarship:

Amount: $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: It’s important to understand that almost anything you post on the Internet is neither temporary nor private. And posting too much information can have devastating consequences. Forty-three percent of employers who checked on social media have decided not to hire someone, according to a CareerBuilder survey. Twelve percent of college admissions officers who checked Facebook decided not to admit an applicant according to a Kaplan Test Prep survey. The purpose of this scholarship is to help you understand why you should be cautious about what you post on the Internet. Applicants must be a high school freshman, sophomore, junior, or senior or a current or entering college or graduate school student of any level. Home schooled students are also eligible. There is no age limit. Please visit the scholarship’s website for more information.

Beacon Scholarship for Rural America:

Amount: $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Beacon Scholarship for Rural America will award $1,000 scholarships to one winner for the Spring and two winners for the Fall semester, to graduating high school seniors, current college students or adult learners planning to enroll in an accredited college program. Applicants must also reside in a rural area and meet the low-income criteria. Two letters of recommendation from teachers, coaches, counselors, other academic professionals or colleagues must be submitted. The Fall 2024 deadline is June 30, 2024; and the Spring 2025 deadline is November 30, 2024. Please visit the scholarship’s website or contact Carrot-Top Industries, Inc. for more information.

Sharing is Caring Scholarship:

Amount: $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: Did you know you can win a $1,000 scholarship just by sharing Scholarships360 with your friends? The Sharing is Caring Scholarship is open to all Scholarships360 users who refer their friends to Scholarships360. The more people you refer, the higher your chances of winning. To apply, just send your personal referral link to your friends. For every person who creates a Scholarships360 account using your personal referral link, you’ll gain an entry to the Sharing is Caring Scholarship. This scholarship is open to all high school, college, community college, graduate, technical, and vocational students who are U.S. Citizens or Permanent Residents. Please visit the scholarship’s website for more information.

Dottie Sanders Memorial Flight Scholarship:

Amount: $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Dottie Sanders Memorial Flight Scholarship will be awarded to help women fund their flight training. Applicants must reside in eligible counties or be a member of any chapter of the Southwest Section of the Ninety-Nines. PPL applicants must have passed the written and solo-ed. If the award will be used for an advanced rating or certificate, the applicant must have a Private certificate. Funds may be used to help fund Private Pilot training or if a certified pilot applicant, may be used to fund training for the Instrument, Commercial, Multi Engine, or any Flight Instructor certificates. There is a 90 day limit to apply funds towards training. Up to three letters of recommendation from persons knowledgeable about the applicant’s interest or accomplishments in aviation and/or someone they have flown with may be submitted. Please visit the scholarship’s website for more information.

Around the Corner from College $1,000 Scholarship:

Amount: $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: The Around the Corner from College $1,000 Scholarship was created to help students get started with identifying what they need to do to get prepared for everything that the college process entails. This scholarship is open to current high school students: freshman, sophomores, juniors, and seniors. Students can either be living in the US (as a US citizen, permanent resident, or with DACA status) or living internationally, but must be planning to attend a college or university in the US. The deadlines for the scholarship are December 31st and June 30th of each year. Please visit the scholarship’s website for more information.

Kinetix “The Future of IT” Scholarship Program:

Amount: $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: Kinetix understands that the demand for skilled professionals in Information Technology (IT) and Computer Sciences in Michigan has never been higher. However, pursuing a degree in IT often comes with financial challenges that can hinder the dreams of many aspiring students. Kinetix’s “The Future of IT” Scholarship Program aims to assist the next generation of IT and Computer Science professionals. Applicants must be enrolled in an information technology or computer science program. The application process for the scholarship is simple. Take a photo of yourself (or selfie), include the hashtags #kinetixITscholarships and #FutureIT, then post it to one of your social media outlets: Facebook, Instagram, or X (Twitter). Please note, that your social media post, not profile, must be set to public. Insert your post link in the “Social Media Link Share” area in the application, then check the photo waiver box. We would be honored if you liked or followed us on the platform you submitted your photo. Applicants must also provide a copy of their student ID or proof of attendance, only if they are selected as an awardee. Please visit the scholarship’s website for more information. 

Good Lawyers / Good People Scholarship:

Amount: $1,000
Closing Date: June 30, 2025
Open To: High School & In-College Students
Description: One of the rewarding things about being a personal injury attorney is helping people overcome difficult challenges. We truly enjoy using our abilities and knowledge to help others. We want to help make the same opportunities to help available to others who aspire to use the law to achieve justice and make the world a better and safer place. We are therefore happy to offer two annual scholarships, one for the fall semester and one for the spring semester, to deserving and qualified students. Applicants must be currently enrolled or accepted as an undergraduate or law student. They must not be related to any current Simeone & Miller employee. Applicants must submit a written statement (800-1,000 words) or a video presentation (3-5 minutes) describing the value of using the law to improve people’s lives. Applicants must submit their statement and include the following: full name, address, phone number, email address, school name, and expected year of graduation. For the Fall scholarship, students may apply between May 15 and June 30; for the Spring scholarship, students may apply between September 15 and October 31. Please visit the scholarship’s website for more information.

Final Thought: Scholarships = Free Money.

The best part? Every dollar in scholarships = one less dollar in loans. The earlier you start, the better.

Want a smarter way to plan for college costs and find scholarships that fit your family’s budget? Create your free MyCAP account today and start getting real numbers—because paying for college shouldn’t be a mystery.

Get Started for Free Today

Are you a parent worried about how to pay for your child’s college education? You’re not alone—and now, there’s a scholarship designed just for you. College Aid Pro has launched the MyCAP 2.0 No-Essay Parent Scholarship Giveaway, offering parents a simple, stress-free opportunity to win $1,000 toward college costs.

Whether you’re saving for next semester or just starting the financial aid journey, this scholarship could be the break you’ve been looking for. And the best part? No essay required.

What Is the MyCAP 2.0 No-Essay Parent Scholarship?

The MyCAP 2.0 Scholarship is the first of its kind: a scholarship exclusively for parents who are navigating the complex world of college funding.

Key Details:

• Award: $1,000 (no strings attached)
  
• Eligibility: Must be a parent with a MyCAP account (free or premium)
  
• Essay Required? Nope!
  
• Deadline: Submit Entry by August 18th, 2025
  
• Social Media Requirement: Follow @collegeaidpro on Instagram
  
• Bonus Entry: Premium MyCAP members get double entries
  

Why This Scholarship Stands Out in 2025

In a world filled with scholarships demanding essays, GPA minimums, and time-consuming applications, the MyCAP 2.0 Parent Scholarship flips the script:

• No essay: You won’t spend hours trying to craft the perfect personal statement.
  
• Quick entry: Fill out a simple form, follow on Instagram, create a MyCAP account and you’re in.
  
• Tailored for parents: This isn’t just a general scholarship—it’s made for the people footing the bill.
  

It’s the only scholarship of its kind focused solely on the financial reality that parents face when sending their kids to college.

How to Apply in 3 Easy Steps

Applying takes just a few minutes. Here’s what you need to do:

1. Create a Free MyCAP Account

Create a free MyCAP account or if you don’t already have one, you can skip this step! Premium users get an automatic double entry, and you can upgrade for just $4.99/month directly through your account. 

2. Follow @collegeaidpro on Instagram

Stay connected to expert advice, FAFSA tips, and future scholarship opportunities by following College Aid Pro on Instagram.

3. Submit the Entry Form

Visit the official scholarship page and complete the simple entry form. No essay, no recommendation letters, no GPA checks—just submit and you’re in.

Enter the MyCAP 2.0 Scholarship Now

What Is MyCAP—and Why Should Parents Use It?

MyCAP is an all-in-one college planning platform that helps families:

• Compare real college costs across schools
• Understand and project financial aid packages
• Calculate net cost and out-of-pocket expenses
• Build a custom strategy to save thousands on tuition

With a free account, you’ll gain access to tools that help you avoid overpaying for college—and with a premium upgrade, you unlock more personalization, school-specific insights, and bonus scholarship entries.

Who Should Apply?

This scholarship is perfect for:

• Parents of high school students planning to go to college
  
• Families applying for college this year
  
• Parents managing multiple kids in college
  
• Anyone navigating FAFSA, the CSS Profile, or college offer letters
  

You don’t need to be a financial expert—you just need to be a parent trying to make college affordable. And if you’re already using MyCAP, applying for the scholarship is a no-brainer!

Tips to Maximize Your Chances

While this scholarship is a random drawing, here’s how to give yourself a small edge:

Upgrade to Premium for a double entry
Share the opportunity with other parents (it’s a win-win!)
Stay engaged on Instagram for announcements and more giveaways

Final Thoughts: Win $1,000 the Easy Way

Paying for college is one of the biggest financial challenges parents face today—but it doesn’t have to be overwhelming. The MyCAP 2.0 No-Essay Parent Scholarship Giveaway is a fast, free way to lighten the load.

It’s more than just $1,000. It’s a gateway to smarter college planning, better financial decisions, and less stress during application season.

Ready to Apply?

Don’t miss your chance!
Head to MyCAP to create your account, follow us on Instagram, and enter to win.

Good luck—and happy college planning!

If you’ve taken out a private student loan, chances are you needed a co-signer to get approved—especially if you had little or no credit history. But what happens once you’ve built up financial independence and want to take full responsibility for your loan? That’s where co-signer release comes in.

You might be wondering questions like…

What is co-signer release on a student loan?

How do I remove my co-signer from my student loan?

This blog will walk you through everything you need to know, from the eligibility requirements to the step-by-step process, including insights into how private lenders like Ascent make it easier to release a co-signer.

What Is a Co-Signer Release on Your Student Loan?

Co-signer release is a process that allows a borrower to remove their co-signer—often a parent or guardian—from the student loan agreement. This release relieves the co-signer of any legal obligation to repay the loan if the borrower defaults.

This can be a major relief for co-signers who want to reduce their financial liability or improve their own credit profile. For borrowers, it’s a milestone that often comes after proving financial responsibility and the ability to repay the loan independently.

Why Co-Signer Release Matters

Releasing your co-signer has several benefits for both parties:

• Financial independence: You’re showing lenders and credit bureaus that you can manage your debt alone.
  
• Improved credit for co-signers: Your co-signer’s debt-to-income ratio improves once they’re released, which could help them qualify for other loans or credit.
  
• Peace of mind: Both you and your co-signer can feel more secure knowing that the loan is now fully your responsibility.
  

Step-by-Step: How to Release Your Co-Signer

While every lender may have slightly different procedures, the general steps for co-signer release typically look like this:

Step 1: Review Your Loan Terms

Start by checking your loan agreement or logging into your loan servicer’s portal to see if co-signer release is even an option. Not all lenders offer it. Fortunately, some private lenders—like Ascent—make the process transparent and attainable.

Step 2: Meet the Eligibility Requirements

Before applying for co-signer release, you usually need to meet a few key criteria:

• Make on-time payments for a specific period (typically 12 to 48 consecutive months).
  
• Demonstrate sufficient income and employment history.
  
• Pass a credit check to show you can qualify for the loan on your own.
  
• Have no recent bankruptcies or delinquencies.
  

Ascent, for example, allows co-signer release after just 24 consecutive on-time principal and interest payments, making it more attainable than other lenders with longer timelines.

Step 3: Submit a Co-Signer Release Application

Once you meet the criteria, you can fill out a co-signer release application. This usually involves:

• Verifying your identity and loan account.
  
• Providing income documentation (pay stubs, tax returns, etc.).
  
• Agreeing to a credit check.
  

Step 4: Wait for Approval

After you submit your application, the lender will review your creditworthiness and payment history. This process can take a few weeks. If you’re approved, the co-signer will be officially removed from the loan agreement.

If you’re not approved, most lenders will let you know why and what you can do to qualify in the future—like improving your credit score or reducing other debts.

How Private Lenders Support Co-Signer Release

Many private lenders now recognize the importance of co-signer release and have built policies to make it easier. Here’s how some, like Ascent, stand out:

• Transparent policies: Ascent clearly outlines its co-signer release requirements and doesn’t hide the fine print.
  
• Shorter payment windows: While other lenders require 36 or even 48 months of payments, Ascent allows release after 24 months.
  
• No fees: There’s typically no fee to apply for co-signer release.
  
• Flexible credit review: Ascent considers both your credit history and your current financial situation.

Click Here to Get Your Rate from Ascent

This kind of support can make a big difference for borrowers looking to take full control of their student debt. Compare all Private Lenders here. 

Tips to Help You Qualify for Co-Signer Release

If you’re aiming to release your co-signer, here are a few strategies to boost your chances:

1. Make automatic payments: This reduces the risk of late payments and demonstrates responsibility.
   
2. Build your credit score: Use credit cards wisely, pay off other debts, and avoid hard inquiries.
   
3. Increase your income: Take on side gigs, promotions, or new jobs to raise your income-to-debt ratio.
   
4. Stay in touch with your lender: Ask for updates on your eligibility and get prequalified if possible.
   

What If Your Lender Doesn’t Offer Co-Signer Release?

If your current lender doesn’t offer co-signer release—or if you’ve been denied—you have other options:

• Student loan refinancing: Refinance the loan in your name only. This pays off the original loan and creates a new one without a co-signer.
  
• Loan consolidation: If you have multiple loans, consolidating them might make the process more manageable (though this doesn’t guarantee co-signer removal).
  

Just be aware that refinancing can affect your interest rates and loan terms, so always read the fine print.

Choosing the Right Student Loan for You — With Co-Signer Release in Mind

Now that you understand the importance and process of co-signer release, it’s time to think strategically about your borrowing choices—especially if you’re still in the early stages of funding your education or considering refinancing options. Choosing the right student loan upfront can make it much easier to remove your co-signer down the road.

Here’s a simplified guide to help you make informed borrowing decisions that support your long-term financial independence:

Step 1: Prioritize Federal Direct Student Loans First

Always start with federal student loans. These typically offer lower fixed interest rates, flexible repayment plans, and borrower protections. For undergraduates, Federal Direct Loans can cover up to $5,500 your freshman year, increasing slightly in later years. These loans don’t require a co-signer, which means you’re already in full control from day one.

Step 2: Explore Ascent Student Loans with Strong Co-Signer Release Options

If federal loans don’t fully cover your needs, turn to private lenders—but choose wisely. Focus on those that not only offer competitive rates, but also clear and achievable paths to co-signer release.

Check Your Rate with Ascent

Why Ascent?

• Fixed APRs starting as low as 3.44%*
• Soft Credit Pull – No impact to your credit score
• Co-Signer Release Program available
• No Origination Fees
• Transparent, competitive rates you can trust
• Direct support to guide you through your options
• Exclusive, favorable terms available through the College Aid Pro community

Thanks to the strength and influence of the College Aid Pro community, we’ve secured exclusive student loan options with Ascent—available only to CAP families!

Step 3: Compare Additional Private and State Loan Options

Don’t stop at one lender. Compare offers from others like SoFi and Abe Student Loans, and check for state-specific options in places like Massachusetts, Rhode Island, and Iowa. Many of these also offer co-signer release—but always read the fine print to understand the timeline and requirements.

Step 4: Stack Up Offers Against Federal PLUS Loans

Before finalizing any private loan, compare it with the federal Parent PLUS loan. While these are federally backed, they come with a ~9% rate for Parent PLUS loans, plus the 4% origination fee. In many cases, borrowers with strong credit can find loans with better rates and more flexibility through private lenders.

Final Thoughts

Co-signer release is a significant milestone on your journey to financial independence. It’s a win-win for both you and your co-signer, and with the right planning, it’s well within reach.

If you’re asking, “What is co-signer release on a student loan?”—now you know it’s more than a technical process. It’s a powerful financial move. And with private lenders like Ascent offering clear and borrower-friendly paths, there’s never been a better time to explore your options.

Your Step-By-Step Guide to Choosing the Best Student Loan 

When it comes to financing college, student loans can be an essential tool for many families. But with so many options available, how do you know which loan is right for you? With Parent PLUS loans typically carrying 9% interest rates and an origination fee of up to 4%, the uncertainty surrounding the future of this loan program has made private loans a more appealing option for many borrowers with good credit. In this guide, we’ll walk you through a step-by-step approach to securing the best student loan for your needs.

Step 1: Maximize Federal Direct Student Loans

Before diving into private loans, start with Federal Direct Student Loans. These loans often have lower interest rates and more flexible repayment options compared to private loans, making them an ideal first option for many families.

For the Freshman year, Federal Direct Student Loans can cover up to $5,500 of your gap in funding. These loans are typically subsidized (meaning the government covers the interest while you’re in school) or unsubsidized, depending on the student’s financial need. If you haven’t already explored federal loan options, be sure to fill out the FAFSA to determine your eligibility.

Step 2: Get Approved with Ascent Student Loans

Click Here to Get Your Rate

If federal loans don’t cover all your college expenses, the next step is exploring private student loans. Ascent Student Loans offer competitive rates with some excellent benefits for borrowers, especially those in the College Aid Pro community.

Why consider Ascent?

• Fixed APRs starting at 3.44% – A highly competitive rate compared to Parent PLUS loans.
  
• No origination fees – Unlike federal loans or many private lenders, Ascent doesn’t charge fees to apply or disburse the loan.
  
• Soft credit pull – Get your rate without impacting your credit score.
  
• Co-signer release program – After a set number of on-time payments, you can release your co-signer from the loan.
• Exclusive CAP community terms – Thanks to College Aid Pro’s partnership with Ascent, CAP families get access to exclusive, favorable loan terms you won’t find elsewhere.
  

With a fixed APR starting as low as 3.44%, Ascent could be a smart, cost-effective option for students and families looking to avoid high interest rates.

Step 3: Explore Other Lenders – State & Private

While we spotlight Ascent Students Loans because of their preferential treatment of our CAP families, it’s always a good idea to compare offers from other private lenders. Here are some additional options:

Sofi 

Abe

Citizens

College Ave

Sallie Mae

Earnest

Be sure to compare offers from these lenders to find the best loan terms and rates for your unique situation.

Click Here: Compare All Private Lenders

You can also explore state-specific lenders in regions like Massachusetts, Rhode Island, and Iowa, which may offer lower rates or specific terms for residents of those states. Some of the state lenders will allow for out-of-state borrowers to participate. 

Step 4: Compare Private Loan Rates to the Federal PLUS Loan

The next step is to compare the private loan rates you receive with the Federal Parent PLUS Loan rates. The Federal PLUS Loan typically has an interest rate of 9.08% for the 2024-2025 school year, plus an origination fee. If the rates you receive from private lenders, such as Ascent or College Ave, are lower, it could be a more financially sound decision to go with a private loan.

Be sure to compare loan terms, interest rates, and repayment options to find the best deal for you and your family. In many cases, private loans can offer significant savings over the long term.

Featured Lender Spotlight: Ascent Student Loans

Ascent offers fixed APRs ranging from 3.44% to 13.96%, depending on your credit profile. Plus, they provide these great perks:

• Zero fees: No application, origination, disbursement, early repayment, or late fees.
• 1% cash back at graduation: Celebrate your achievement with a reward.
  
• 0.25% – 0.5% autopay discount: Reduce your interest rate by enrolling in autopay.
• 12-month co-signer release: After making on-time payments, your co-signer can be removed from the loan.
  

These benefits make Ascent Student Loans a standout option for many College Aid Pro families.

Final Thoughts

Choosing the right student loan is a crucial part of your college planning strategy. By following this step-by-step guide, you can make informed decisions about how much to borrow, which lenders to choose, and how to minimize the total cost of your loans.

Remember, it’s important to max out the Federal Direct Student loan option first, then explore private loans with favorable terms like those offered through Ascent. Take the time to compare all your options, and don’t hesitate to reach out to our experts for guidance.

Starting June 1st, MyCAP 2.0 Pricing is Just $4.99/Month!

Exciting news! With the new MyCAP 2.0 pricing, you get access to MyCAP Premium for just $4.99/month, giving you all the tools and expert guidance you need to make the college planning process much easier. This affordable pricing makes it easier than ever for families to streamline college planning, save money, and reduce stress. Let’s dive into the details of why this is an absolute no-brainer for anyone looking to lower college costs.

Why the New MyCAP 2.0 Pricing?

So why did we drop the price to just $4.99/month (cancel anytime)? It’s simple! At College Aid Pro, we believe that every family deserves access to the best college planning software, resources, and expert support, no matter their budget. We made becoming a MyCAP Premium member an easy, affordable decision.

This small investment will save you time, reduce stress, and—most importantly—help cut down on college costs. We understand that with college tuition staring you in the face, it can be hard to think about spending more. But here’s the deal—we can almost guarantee a huge return on investment with this affordable $4.99/month subscription. You’ll get the expert guidance and software you need to make smarter college decisions, save time, and ultimately lower overall college expenses.

What You Get with MyCAP Premium Pricing

1. Full Access to MyCAP 2.0

With MyCAP Premium pricing, you get access to a full suite of college planning tools that guide you through every phase—from school selection to financial aid. MyCAP breaks it all down into simple, easy-to-follow steps.

2. Expert Guidance at Your Fingertips

When you sign up for MyCAP Premium pricing, you unlock exclusive Member-Only Workshops and Bi-Weekly Office Hours. Get real-time advice from experts to help you navigate everything from scholarships to FAFSA and comparing college costs.

• Member-Only Workshops: Attend workshops that cover everything from scholarship strategies to the latest changes in financial aid policies. You’ll always be a step ahead.
• Bi-Weekly Office Hours: Drop in during live sessions to ask your burning college questions and get real-time advice from experts.

3. Scholarship and Financial Aid Insights

With access to every scholarship at every school and tools to predict your student’s potential financial aid, you’ll have a leg up in securing the best deals. Maximize your chances to save!

4. Exclusive Discounts on 1:1 Services

Need personalized help with CSS Profile, FAFSA, or reviewing your student’s college offers? As a MyCAP Premium member, enjoy exclusive discounts on 1:1 consultations with our experts. We’ll help you navigate your family’s unique financial situation and maximize financial aid.

5. Personalized 1-Click Cost Projections & Customizable College Budgeting

Estimate the true cost of attending various colleges with MyCAP’s net price calculators and customizable budgeting tools. You’ll be able to compare colleges based on tuition, fees, room and board, and financial aid, helping you make informed decisions about your student’s future.

6. Cancel Anytime

Life happens. You’re not locked into any long-term commitments. With MyCAP Premium pricing, you can enjoy all these benefits for just $4.99/month, and cancel at any time—no questions asked.

Start Your College Planning Journey with MyCAP Premium Pricing

For just $4.99/month, MyCAP 2.0 pricing gives you all the tools and expert support you need to navigate college planning. Whether you’re tackling scholarships, financial aid, or school selection, MyCAP Premium helps make it easier.

Sign up today and join thousands of families making smarter, more informed decisions about college costs. This is the affordable, flexible solution you’ve been waiting for!

Create Your Free MyCAP Account or Upgrade to MyCAP Premium Today!

What are Federal Student Loans?

These are loans given out by the federal government.  It’s the governments way for encouraging young adults to pursue a post-secondary education by softening the financial burden by offering these loans.

There are 2 types of federal student loans; subsidized loans and unsubsidized loans.

Subsidized Federal Student Loans

These loans the government pays the interest on the loan or loans until 6 months after the student graduates from college. You must have Need-based aid eligibility in order for a college to award to award a student a subsidized loan.

Unsubsidized Federal Student Loans

These loans are awarded to a student by a college if they are not need-based aid eligible, but still need to take out a loan to pay for school. These loans start accruing interest at the beginning of the loan that the student is responsible for.

*With unsubsidized federal student loans you lose the perk of the government covering your interest until you graduate.*

How Do you Get Federal Student Loans?

In order to be eligible as a student for a federal student loan, you MUST submit your FAFSA form. It must be submitted each year you plan on using a federal student loan.

Are They Good Loans to Take Out?

If you are going to need to borrow money for college, federal student loans are your best place to start.  These loans have a fixed interest rate for that year of the loan.  Each May the loan goes to auction and the interest rate is reset for the next school year’s loan.   This means for example, that you may pay 7% interest one year and 10% interest another year based on the 10 year treasury note. Most private loans for college have variable interest rates, meaning your interest rate can change throughout the year.  The fixed rate federal loan stays at the same interest rate for that entire school year. Read more here to learn about loan rates.

Also, these loans are exclusively under the student’s social security number.  This means two things. First, no one else is on the hook to pay back the money, not mom or dad or a spouse; only the student. It can’t affect anyone else’s credit history or credit score. Second, this is a great opportunity for your student to start building credit; something they will need post college to rent an apartment or buy a car.  If they are paying off their loan payments on time, they will have a good credit report and not need a parent or friend to co-sign for loans.

How Much can You Borrow in Federal Student Loans?

This depends on what type of loan you have and what year you are in college

Subsidized Federal Student Loans

• Freshman- $5500 maximum loan amount
• Sophomore- $6500 maximum loan amount
• Junior- $7500 maximum loan amount
• Senior- $7500 maximum loan amount
• Total over four years of school- $27,000

Unsubsidized Federal Student Loans

• Freshman- $3500 maximum loan amount
• Sophomore- $4500 maximum loan amount
• Junior- $5500 maximum loan amount
• Senior- $5500 maximum loan amount
• Total over four years of school- $19,000

Remember, loans are money that you borrow and are required to pay back.  It’s important to figure out what the right amount to borrow is for you.  Don’t forget to look at all your other funding options before you turn to loans.  While lots of families will still find themselves borrowing some money, there are MANY other college funding options to consider as well.

Let’s talk about something that makes a lot of parents feel nervous: asking a college for more money after your child has been accepted.

You’ve got a high school senior. They’ve applied. They got in—yay! And now the college sent you a financial aid letter. It shows how much money they’re giving your student, including things like scholarships, loans, work-study, and any free money from the college itself (this is called endowment money). But… the numbers don’t quite work for your family.

So now you’re wondering:
If we ask for more money, could that hurt our child’s spot at the school? Could they take back the offer?

Take a deep breath. I’ve got great news for you: asking for more money will NOT hurt their admission.

Colleges Expect Appeals

Colleges know that families might need to ask for more help. It’s totally normal. They’ve got people and systems in place for this. Will they always say yes? Nope. But they are absolutely ready to listen. And they expect families to reach out.

I’ve been doing this work for over 10 years. I’ve helped lots of families. Not once—not ever—have I seen a college take away an offer because someone asked for more money. The worst thing that happens? They say no, and you’re out some of your time.

Two Kinds of Appeals: Merit and Need

Now let’s talk about how you ask—because it’s different depending on the type of money.

1. Appealing for Merit Aid

This is money your child got because of how awesome they are—grades, leadership, talents, things like that.

If you’re asking for more merit aid, the student should be the leading the way on this one. They should begin by writing a letter to the admissions office or their admissions rep. And this is the moment for a little heart.

Have your kid explain:

• Why they love the school.

• What they plan to do there.

• How they’ll add to the community.

This kind of letter can be personal, excited, and honest. It’s like saying, “I really want to come here. Here’s why I think I’m a great fit—and I’d be so grateful if you could help a little more, because that’s the only way this is going to work.”

2. Appealing for Need-Based Aid

This is about your family’s finances. It’s money based on income, savings, and what the government says you can pay (now called your Student Aid Index, or SAI—used to be called EFC).

If you’re appealing for need-based aid, this should come from the parent and go to the financial aid office. Keep it simple, clear, and honest.

Explain:

• What’s changed since you filled out the financial aid forms.

• Any big costs or hard situations (medical bills, job loss, family emergencies).

• Attach documents to prove it—pay stubs, bills, whatever shows the full picture.

A Warning: Don’t Appeal If You’re Doing Better Now

This is super important. If your financial situation has gotten better since you filled out the forms, don’t appeal for need-based aid.

Here’s why:
When you ask for more need-based help, the college might ask to see your updated info. If your current year is better than the year you reported (remember, they look back two years), they could give you less money—not more.

This doesn’t happen often. But it can, especially if you don’t understand how the system works. If you’re not sure, please ask for help before you reach out to the college.

Still Worried? Don’t Be.

Let me say it one more time—because I know it’s stressful:

Asking for more money will NOT change the fact that your child got in.

They’ve already been accepted. That part is done. You’re just talking now about how to make it work financially.

This is one of the final steps in the college process. It can feel big and emotional. But it’s okay. Colleges expect it. They’ll listen. Sometimes they say yes. Sometimes they say no. But it never hurts to ask.

Final Thoughts from a Mom Who’s Been There

I’ve walked this road myself—with two kids. I’ve been where you are. And I want you to know you’re doing great.

Appealing for more aid is just part of the journey. Do it with care. Know who should be writing and what kind of aid you’re asking for. Be honest, be clear, and be brave.

And most of all? Know that your child still has that acceptance letter. That’s not going anywhere.

Happy planning. You’ve got this.

A question on the minds of most parents with college-bound high school students. The answer depends on several factors, with parental income being one of the most important. Let’s walk through who typically qualifies for need-based aid in 2025 and how you can estimate whether your student might.

Who Qualifies for Need-Based Financial Aid?

It varies widely from one college to another.

That said, here are some general patterns:

• Families with yearly incomes under $150,000. Once family income surpasses $100,000, the number of schools offering need-based aid tends to shrink fast. Often, it’s the highly competitive, selective colleges that still offer generous need-based aid — and they tend to meet 100% of demonstrated need.

• Families with more dependents. While the FAFSA no longer offers a break for having multiple students in college at the same time, the overall size of your household — and how many people it supports — still plays a role in determining your Student Aid Index (SAI).

• Students accepted to elite colleges. The most selective schools (think Ivy League and other top-tier institutions) generally offer the most generous need-based aid packages. These schools typically use more than just the FAFSA to calculate aid and often meet full demonstrated need.

Important Change: No More Sibling Discount

Previously, having multiple students in college meant your Expected Family Contribution (EFC) would be divided across those students. That’s no longer the case.

Starting with the 2024-25 FAFSA, the Department of Education eliminated this discount. The EFC is now called the Student Aid Index (SAI), and it no longer adjusts based on how many kids you have in college. This is one of the most significant and challenging changes for families with more than one college-bound student.

However, some private colleges and a few public institutions that use the CSS Profile may still consider siblings in college when awarding institutional aid. That’s a crucial planning opportunity to keep in mind if you’ll have overlapping college years for multiple kids.

Estimating Your Student’s Need-Based Financial Aid

The best place to start: figure out your family’s estimated SAI and compare it to how colleges assess your financial need.

The Best Tool to Use

Use MyCAP — It’s an instant net price calculator that covers every college on your list.

Why it’s better than the calculators on college websites:

• We update our data constantly.

• We factor in both merit scholarships and need-based grants.

• We handle complex family situations — like divorced or separated parents, or families who own small businesses or farms — far better than most school tools.

Click here to learn why school net price calculators are often inaccurate and outdated.

Don’t Stop There: Run Comparisons

Whether you’re using MyCAP or other tools, make sure to estimate your SAI for a wide range of school types, such as:

• In-State Flagship University

• In-State Smaller Regional Public University

• Out-of-State Public University that has a reciprocity agreement with your state (discounted out-of-state tuition)

• Out-of-State Public University that does not have a reciprocity agreement with your state
• Regional Private College

• Top-tier, highly selective admissions schools

• Any other colleges your student has expressed an interest in

This gives you a clearer picture: are you eligible for need-based aid at most schools, or only at the most selective/highest-cost ones?

Why the Difference? Three Key Factors

1. Aid Methodology

   Schools use different systems to calculate what you can afford:

   • Federal methodology: Uses only the FAFSA to assess aid.

   • Institutional methodology: Uses both the FAFSA and the CSS Profile.

2. Home Equity

Here’s where things get murky.

• Home equity = the value of your home minus any mortgage debt.

• Schools that use the CSS Profile may consider home equity as an asset.

• But how they do it — and how much weight they give it — varies a lot.

  • Some cap the value they assess.

  • Some include all equity.

  • Some say it’s a “holistic review,” which is often code for “we’re not telling you.”

Even worse, schools can change how they treat home equity from year to year. This makes it difficult to plan without a tool like MyCAP, which stays on top of those shifts.

(Crazy that they consider the equity in your home as money you could use to pay for college, right?)

1. Generosity of the School

   Some schools meet 100% of need. Others fall well short. And they all define “need” in their own way — based on their aid methodology, your SAI, and internal policies.

   That’s why comparison shopping — with accurate numbers — is critical.

What’s Next?

We know this can feel overwhelming. That’s where College Aid Pro comes in.

• Get a Premium MyCAP membership for just $4.99/month.

• Want more personalized guidance? One-on-one help is available.

We’re here to help you get the most accurate estimates and uncover all your opportunities for need-based aid — before it’s too late.

You don’t have to be among the hordes of confused students when it comes to understanding college financial aid award letters. Find out here when to expect them, how to interpret the lingo, and how to compare them.

Timelines

Early Decision – Students applying Early Decision usually get an award letter with their acceptance letter or shortly thereafter and usually by mid December. By applying Early Decision, you are telling the school that you plan to attend if you are accepted, so you don’t have the opportunity to compare offers from other schools. You should, however, compare your offer to what you were expecting to get to make sure it seems reasonable for someone with your academic and financial profile. You can always appeal an early decision offer if it doesn’t line up with reasonable expectations or you have extenuating circumstances.

Early Acceptance – If you apply to one or more schools based on their Early Acceptance timeline, your offer may come with or shortly after you receive the offer of admission. This does not mean that you must accept right away. Be patient and wait for all of your offers to come in before making a decision.

Regular Decision – The timing of financial award offers can vary greatly depending on the school. Some schools will send award letters on a rolling basis as admission decisions are made. Most will send them by the end of March at least, giving students a month or so to make a final decision. Some may come later. You should get your financial aid forms in early to avoid delays and have the highest chance of receiving the best package.

Waitlisted – Being waitlisted means you will not know until after May 1st if you are admitted. It also may mean that, if you are admitted, you may not get the best financial package as most of the school’s resources may have been offered to other students.

Your award letter will likely come with or soon after your admittance. The opportunity to compare it against other awards will have passed as most schools require a response on or around May 1. Because of that, consider accepting an offer from another school before its deadline and paying the deposit. However, be aware that If you later choose to accept an offer of admission from your waitlist school, you will lose your deposit. This may be preferable to potentially losing the opportunity to start school somewhere in the fall.

Learn more about being waitlisted: The Pros and Cons of Being Waitlisted

A Few Tips

• Stay on top of deadlines for each school. 
• Check email, mail, and school portals regularly for notifications about admissions and awards.
• Respond to additional information inquiries and verification requests promptly.
• Pieces of the package may trickle in, wait until you have the whole package to make a decision. 
• Resist the temptation to accept early, you may be pressured by the school to do so. Notate your deadline on a spreadsheet or calendar, and give yourself plenty of time to do your analysis and compare all options before making a final decision.

Understanding Award Letters

Award letters come in many formats and are often difficult to compare apples to apples. Here is a breakdown of what you need to know. See below for some actual examples of how different award letters may look.

Financial Award Letter vs. Financial Aid Award

You may not get just one award letter. The Admissions Office may send you a letter regarding your merit aid offer, whereas the Office Of Financial Aid will usually send a letter including both need and merit aid awards. It is important that you have both pieces of the puzzle before beginning your comparison. Talk to your admissions counselor if you do not get an award letter that addresses all aspects of your financial award offer. They can help you understand when to expect it and in what format. 

Furthermore, you may get offers for different awards that trickle in over a period of time before you get a consolidated award letter. For example, you may get your Financial Aid Award Letter from the Office of Financial Aid, an email from the school of engineering notifying you of an award from the engineering department, a notice that you have qualified for a merit based award, and a housing discount all from different sources. When this happens, you’ll definitely want to make a call to your admissions counselor to get a consolidated account of all of your awards before making a decision. 

Renewable Aid

Make sure you find out, for each type of award you are offered, whether it is renewable and for how many years. Most merit aid awards are automatically renewable for 4 years whereas you usually must prove your continued eligibility for need based awards year after year. If the school has offered special discounts, find out how long you will be eligible for the discount. 

Types Of Aid

Free Money

Grants – Typically, awards based on financial need are called grants. The Federal Pell Grant is a common example. Grants do not need to be repaid, however, a student must typically reapply to prove eligibility annually.

Scholarships – The school may offer scholarships based on merit or achievements such as GPA, test scores, athletic performance, or artistic talent. Scholarships do not need to be repaid and are usually renewable as long as certain criteria are met such as minimum GPA or continued participation on teams or in band or orchestra.

Not So Free Money

Work study – Students who qualify for some need-based aid are often awarded the opportunity to apply for paid work on campus. This does not mean that they will automatically be given such a position. These campus jobs are meant to help students offset the cost of school. This can be helpful to students needing some extra cash during college but shouldn’t be seen as free money because, as a student, you will be giving up your time to work, and that is only if you are able to land a qualifying on-campus job. The opportunity cost is that you will have less time to seek an off-campus job or participate in other extracurricular activities.

Costly Money

Direct Subsidized Student Loans – Federal student loans that don’t accrue interest while you are still in school are considered subsidized loans. Because they are federal loans, they have quite a bit of flexibility when it comes to repayment and may qualify for deferment, forgiveness and cancellation programs. 

Direct Unsubsidized Loans – Federal student loans for which interest accrues while you are still in school are considered unsubsidized. However, these loans still have the benefit of repayment flexibility and may qualify for deferment, forgiveness and cancellation programs. 

Parent PLUS Loans – The federal government has a loan program for students’ parents or legal guardians. To qualify, the parent/guardian must not have certain negative items on their credit report, although a parent in such a situation may be able to get around that issue by using a co-signer or by proving extenuating circumstances. The interest rate for Parent PLUS Loans is considerably higher than for Federal Direct Student Loans. There is also no limit on how much a parent may borrow under this program, so it is easy for some parents to get in over their heads.

Learn more about Federal Loan Options: Understanding Federal Student Loan Options

How To Compare Offers

Now that you know what types of aid you might see on your Financial Award Letter, you can start to compare awards side by side. Make sure to include all four years of college in your comparison. You can ask your admissions counselor for an estimate of how much tuition and fees may go up from year to year. 

Step 1 – Add up all of the costs associated with attending each school for each year. Include estimates for travel, books and other expenses if applicable.

Step 2 – Subtract from each yearly total the amount of free money (grants and scholarships) you expect to receive for that year. This will tell you your net cost.

Step 3 – Add up the net cost for all four years. This is your total cost for each school. 

Notice that these steps don’t factor in work study or loans. That’s not an oversight. Your total net cost will have to be covered in some way that will cost you. Period. Your plan for paying that cost will not differ much no matter which school you choose, so the most important thing you need to know to compare your options on a financial basis is that net cost number.

Before You Accept

Schools may be pushing you to go ahead and accept an offer. Don’t feel pressured by their communications to that effect. Even after you have all of your offers in hand, there is still more you can do to try to reduce your cost. You’ll want to assess your offers to see if you got what would be expected for someone like you.
Ready to learn if you were offered the best award package, or if you could possibly get more? Create a free MyCAP account today and upload your financial aid award letters under the “Compare Awards” section of your profile.  Our appeals evaluator will analyze your offer and let you know if you got a fair deal – or if you could go back and ask the school for more money!

You don’t have to figure this out on your own. Want our step-by-step guide to successfully appealing financial aid awards? Click Here!

In today’s world, the cost of college continues to rise. Many families can’t pay out of pocket for a college degree. That’s where financial aid comes in. The Pell Grant is a crucial part of this aid, making it possible for lots of students to afford college. In this complete guide, we’ll break down everything you need to know about the Pell Grant, from the basics and who qualifies to the recent changes due to the FAFSA Simplification Act. By the end of this, you’ll have the knowledge to navigate and understand the world of Pell Grants with confidence.

What is the Pell Grant? 

The Pell Grant is a cornerstone of federal financial aid that aims to make higher education more accessible for financially disadvantaged undergraduate students. Think of it as a helping hand from the government to make college more affordable for your child. It is a need-based grant, meaning eligibility is determined primarily by a student’s financial need, which is calculated through the Free Application for Federal Student Aid (FAFSA). The Pell Grant does not need to be repaid.

The amount awarded through the Pell Grant can fluctuate from year to year and hinges on several factors. These include the Student Aid Index (SAI), formerly known as the Expected Family Contribution (EFC), the cost of attendance at the student’s chosen institution, and whether the student intends to attend full-time or part-time. The grant’s primary objective is to provide financial support to individuals who might otherwise find college expenses insurmountable.

Pell Grant Eligibility 

Beginning with the 2024-2025 aid year, the Pell Grant amount a student can be eligible to receive is no longer determined by the SAI and Pell Charts. 

Maximum Pell Grant Eligibility

• Eligibility for the Maximum amount of Pell is determined by a student’s adjusted gross income, tax filing status, and the annual U.S poverty level guidelines for family size and state of residence. 
• SAI is -1500 to 0

Student Aid Index (SAI) Calculated Pell Grant Eligibility

• For students who do not qualify for Maximum Pell, they may be eligible to receive a Pell amount calculated by their SAI.
• Maximum Pell Amount – SAI = Calculated Pell Grant Amount rounded to the nearest $5.

Minimum Pell Grant Eligibility

• Students who do not qualify for the Maximum Pell or Calculated Pell may be still be eligible to receive the Minimum Pell Grant based on adjusted gross income, tax filing status, and the annual U.S poverty level guidelines for family size and state of residence.  

Not eligible for Pell Grant

• Students whose calculated SAI is greater than the Maximum Pell Award OR the calculated Pell amount is less than the Minimum Pell Award will not qualify for the Pell grant.

Families making less than 175% and single parents making less than 225% of the federal poverty level will see their students receive a maximum Federal Pell Grant award. Minimum Pell Grants will be guaranteed to students from households below 275%, 325%, 350%, or 400% of the poverty level, depending on household structure. Pell awards between the maximum and minimum amounts will be determined by SAI.

Here are a few more eligibility factors:

1. Enrollment Status: You must be enrolled or accepted for enrollment as an undergraduate student in an eligible degree or certificate program.
2. Citizenship Status: You must be a U.S. citizen, U.S. national, or an eligible non-citizen with a valid Social Security number.
3. Degree Pursuit: Pell Grants are generally awarded to students seeking their first bachelor’s degree. However, in some cases, students pursuing post-baccalaureate teacher certification may also be eligible.
4. Satisfactory Academic Progress: You must maintain satisfactory academic progress, as defined by your institution, to remain eligible for the Pell Grant.
5. Default Status: Being in default on a federal student loan, owing a refund on a federal grant, or exceeding the lifetime Pell Grant limit will disqualify you from eligibility.

Meeting these criteria does not guarantee that you will receive a Pell Grant, as the grant’s amount depends on factors such as federal funding and the number of eligible applicants.

Pell Grant Updates and Limits Based on the FAFSA Simplification Act 

The FAFSA Simplification Act, which brought about significant changes in the financial aid application process, has implications for Pell Grants. Here are some noteworthy updates and limits under this act:

1. Simplified FAFSA: The act streamlines the FAFSA, making it easier to complete and understand. This simplification will hopefully encourage more students to apply for financial aid, potentially increasing the number of Pell Grant recipients.
2. Expansion of Income Eligibility: The act increases the income limit for automatic zero SAI/EFC, allowing more families with moderate incomes to qualify for the maximum Pell Grant award.

Eligibility for federal student aid will also be expanded by removing the questions related to Selective Service registration and drug conviction status, and restoring access to Pell Grants for incarcerated students under specific programs.

3. Increased Grant Amounts: While the act does not directly dictate Pell Grant amounts, by simplifying the FAFSA process and expanding eligibility, it indirectly supports the goal of increasing the maximum Pell Grant amount, making higher education more affordable.
4. Access to Data Retrieval Tool: The act requires the use of the IRS Data Retrieval Tool within the FAFSA, ensuring that applicants can easily and accurately input their financial information.
5. Streamlined Dependency Status: Dependency status determination has been simplified, making it easier for students to understand their eligibility status.

Adjustments to the new Student Aid Index (SAI) calculation and eligibility formulas are estimated to increase the number of Pell Grant recipients by nearly 15%. 

Potential Pell Grant Dollar Amounts 

The exact dollar amount you may receive through a Pell Grant depends on various factors, including your financial need, the cost of attendance at your chosen institution, and your enrollment status (full-time or part-time). However, it’s essential to understand the maximum and minimum amounts possible:

1. Maximum Pell Grant Amount: The Maximum Pell Grant award for the 2025-26 aid year is $7,395.  This amount remains unchanged from last year, but it is reevaluated each year based on federal appropriations and other factors, and can change.
2. Minimum Pell Grant Amount: Pell Grants can be as low as a few hundred dollars per year, depending on your SAI/EFC and other factors. Some students may receive small grants to help cover educational expenses.
3. Proration for Part-Time Students: If you’re enrolled part-time, your Pell Grant amount will be prorated based on your credit hours. Part-time students receive a reduced grant compared to full-time students.

The Pell Grant is a lifeline for many students who want to go to college, especially with tuition costs going up. Understanding how the Pell Grant works and how much money you might receive, can really make a big difference in your education.

With recent changes that make it easier to apply for financial aid, now is a good time to check if you qualify, and get the help you need to make your academic dreams come true. Whether you’re going for a bachelor’s degree or aiming for post-baccalaureate teacher certification, remember that the Pell Grant can be a valuable help on your way to success.

Are You Pell Grant Eligible?

The first step in determining your Pell Grant eligibility is learning what your SAI is.  Your SAI is calculated through your FAFSA.  If you haven’t submitted your FAFSA yet and you are a rising college freshman, or already in college make sure you get this submitted! The FAFSA opens on October 1 for the following school year.  If you aren’t eligible to submit a FAFSA yet – you are a freshman, sophomore, or junior in high school, or you are a senior and it is before October 1 you can calculate your estimated SAI here using MyCAP – our college planning search engine and net price calculator all in one tool!