National Scholarship: I Have to Pay for College

I Have to Pay for College… Part One: Student Loans

If you are like most high school graduates or thinking of going back to college, the prospect of having to pay for it can be overwhelming if you don’t have a lot of money saved. According to a survey completed in 2015 of 5,000 Americans by marketwatch.com, approximately 62% only had about $1,000 in savings, and another 20% didn’t even have a savings account. Additionally, the average cost of college tuition in America today according to collegedata.com for the 2015-2016 school year is $9,410 for in-state residents at a public college, $23,893 for out-of-state residents attending a public college, and $32,405 for private colleges. These costs do not include text books or living expenses if you are not going to be living at home or with family who can help support you. Finally, there are supplemental expenses to consider such as computers, lab fees, tutoring, etc. So, the big question is, how does a person pay for it all?

The answer is not simple; paying for college usually involves multiple strategies. Assuming you have nothing saved for college, the most obvious solution would be complete the FAFSA, or the Free Application for Federal Student Aid, with the United States Department of Education on their website. By doing so, you will find out if and what types of students loans you may qualify for. This is usually the best option if you have to borrow money to help pay for college, because interest rates are typically lower and the term of repayment is more flexible. However, you should only borrow money if no have exhausted all other options in paying for your education, because a large student loan debt upon graduation can be burdensome. Interest will continue to accrue on your student loan if you wait to start making payments, only adding to the total amount you owe and make paying back your loan even more difficult. Consider any type of loan as if in the same category as an emergency; don’t borrow the money unless you absolutely have to!

I Have to Pay for College… Part Two: Free Money

Have you ever heard the term, “nothing is ever free”? Well, “free money” for college such as scholarships and grants are essentially “free money”, with some other form of cost involved. For example, Fund for Thought requires that you complete and application and write an essay in order to be considered for a scholarship. The cost in this example would be the application fee ($20), and the time spent completing the essay packet. The “cost” is low compared to the possibility of receiving $2000 of “free money” towards college. Scholarships and grants are “free money” because you are not required to pay them back, they are an award for some sort of qualification or achievement.

You should apply to as many scholarships and grants as you can find. The best places to look are scholarship databases online, a high school guidance counselor, or the financial aid office of the university you will be attending. These places usually have extensive lists of current scholarships available, and can help if you have questions about the application. Additionally, local civic organizations, churches, and businesses will sponsor scholarships available to students in their area. Check your local newspaper and community announcements and you may find “free money” with little competition. The bottom line is that if you put in the time to search for scholarships and grants, the chances of receiving “free money” for college are greater.

I Have to Pay for College… Part Three: Scholarship Search

We wanted to elaborate on the scholarship search because there are so many resources out there, it can be a daunting task for the individual scholar. There are several different types of scholarships available, and be categorized by different attributes. We thought that it would be best to compose a list to help give you some ideas and direction when beginning your search.

1. scholarships for high school students

2. undergraduate scholarships

3. masters scholarships

4. national scholarships

5. international scholarships (Canadian scholarships, exchange student scholarships)

6. free scholarships

7. online scholarships

8. full ride scholarships

9. community service scholarship

10. company sponsored scholarships (Pepsi scholarship, Walmart scholarship, McDonald’s scholarship)

11. race/ethnic origin scholarships (native american scholarships, Hispanic scholarship fund)

12. area of study scholarships (journalism scholarships, law school scholarships)

13. scholarships in areas of need (teach scholarship, early intervention scholarship)

14. merit based scholarships based on academic or sports achievement

This list is by no means extensive, but the goal is to get you started. Receiving free money for college is possible for everyone. By applying to as many scholarships as you can, you will increase your chances of an award.

How to Easily Pay Off Student Loans

No one said that paying off a student loan or getting a college education is easy. Everyone encourages us to go to school and get a great education, but, where are those same people when it is time to pay for it all? As we start to research aspects of getting our college education, we quickly see that every university worth going to requires us to pay a hefty sum. Many new university students must take on college loans to pay for school. There are many ways to pay off these loans, but, having a rich uncle or a rich father figure sure could help. Where is that sugar daddy that will help pay off the student loan? If you are the sugar daddy type, you already know that the sugar daddy and sugar baby relationship is extra special. As a sugar daddy who is seeking arrangements starts to do his research, he will see that there are many benefits to establishing a sugar daddy and sugar baby relationship. A sugar baby who is going to college will appreciate the allowance her sugar daddy gives her to help her pay off student loans. If there is one thing we can count on, the cost of tuition will continue to get higher each year.

When it comes to a world class education, financial aid and student loans seem to be how most students get through the university year. Every school suggests that the students get financial aid. As an example, Berkeley talks about the cost to attend which is around $40,000 as a base rate. As with every university there are more costs that get added into that figure. Some of those costs are tuition and fees, books and supplies, room and board, personal costs, transportation, health insurance and more. Students apply for financial aid and they get it, but, it is limited and the student has to take out more loan to pay for the education. Looking at all of these figures and the staggering cost, you start to wonder how the university student makes it without a sugar daddy in the first place. It is not uncommon for a university student to graduate with honors and experience a delay in getting their dream job or any job at all for that matter. The worst part is that these student loans and the money borrowed still drag on long after the graduate has left the university.

During the college education years, many young students look for a father figure that they can relate to. This figure head or Mentor can help them with financial issues like paying off debt associated with student loans or buying new clothes, school supplies and more. Most often this father figure, often called a sugar daddy, will establish a set amount of money for the student he is helping out. Many people wonder why this type of relationship is so easy for both parties to work with and the answer is fairly simple. Just like any relationship, the secret is open communication between the two people. For example, the sugar baby says to the sugar daddy something like, “I would like $300.00 spending money and I need $800.00 to help pay rent and $1000.00 per month for my student loan repayment.” The daddy suggests a figure he can live with based on his needs and the needs of the sugar baby. A winning situation is created with crystal clear communication and everyone is happy. Perhaps the reason these types of relationships work so well is that everything is talked about and agreed upon. Why shouldn’t it be? It is so much easier to plan your life when you have all the facts.

As with everything in life, including college, there can be a learning curve. As the student is experiencing this learning curve associated with adapting to university life, it is much easier for the student to adjust if that student does not have to worry about financial pressures. Many sugar daddy’s love seeking arrangements that allow them to help pay off student loans and get an inside look at the sugar baby’s university life style. Sometimes the sugar daddy is called a guardian and the sugar baby is called a brat. The term brat is often used because the guardian loves to take great care of the brat and spoil their brat rotten with all kinds of gifts, money and more. Both the brat and the guardian become very happy with the fact that they can set their own relationship standards and come up with any arrangement that suits them. There are many times when details of the arrangements are kept solely between the two consensual parties. However, there are also times when some issues are openly aired. One of the many issues that are freely talked about is that the two people involved are highly satisfied with the terms of the agreement. The guardian loves being able to spoil the brat and the brat loves to be spoiled by her guardian. They both love the fact that the relationship is on their terms and they are in complete control.

Having a drama free relationship that has no strings attached might be in the best interest of both people. Every year more and more university students are seeking arrangements that offer a beneficial circumstance for everyone concerned. A brat often looks to her guardian like he is a father figure. She will come to him for advice and offer him clear communication. She will often send him photos and video chat that will be a real treat for the guardian. A reality show this good cannot be scripted and is meant to be an enjoyable experience that becomes limited only by the imagination of the people involved. It is more fun to create your own real life show without all the drama that is associated with the wonderful world of television reality shows.

One of the greatest experiences that a college student can have is the experience of paying off student loans without the stress and worry. The real experience in getting the education is not in the stresses of loan payments and expenses. The real joy of the experience starts with the friends that are made and the fun that is being had by the student during their university years. For many young students, the experience of being around older, more experienced people helps to enrich the real world experience.

Having a sugar daddy or guardian is such a blessing, not just because of financial support. The guardian takes on the role of a father figure who is helpful to the university student in several ways. As a guardian you play a lot of roles. A guardian is a friend, a daddy, a support system and company for the student. A guardian helps a university student secure their potential and helps to save them from occurring debt and encouraging them to have some fun and gain some experience that is helpful in the world. Some of the social experiences that a guardian can help with are helpful for a university student later on in their dating years. It is the dream of every male to date a girl who is rich in worldly experience and well educated. Helping a student pay off student loans and enjoy life is an important part of the overall college experience, but, the experience goes so much deeper.

Much of the experiences that the guardian helps the brat with are going to become helpful in the working world too. The guardian helps to teach financial management skills because the brat must manage the allowance given to her. There are also the skills of time management. When the guardian tells the brat that he is sending a car to pick her up, be ready by eight o’clock, it teaches the brat to manage time, another important worldly skill. Other patterns come up that involve choices, like buying a red dress or a black one and weighing all the options that go with these choices. Just because the guardian is helpful and supportive that does not mean that the relationship is all fun and games, often the relationship is helping to teach important life lessons while keeping the brat in a protective environment. This type of education helps to establish the pattern that learning life lessons can and should be fun.

An important life lesson that is instilled throughout this whole process is that people help other people whenever they can. The brat knows that with daddy’s support she can worry about her studies and passing tests that are required of her. The daddy knows that he can reach out to the brat and she will send him some photos to give him an in-depth look into her personal and university life. This relationship of sugar daddy and sugar baby creates what everyone is looking for, that is, a creative, co -supportive relationship.

If you need to pay off your student loans, maybe the sugar baby lifestyle is right for you. On the other hand, if you love to adopt a brat and have the means, why not become a guardian? There are rewards on both sides of this relationship and there is way less drama. You owe it to yourself to check it out for yourself and see where you want to take it.