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					                           SCHOLARSHIP INFORMATION – MAY 2009
For more information about these scholarships, circle the ones you are interested in and drop off at the
Guidance Office. If it says that applications must be completed on-line, no further information is available.
In a few days you will receive copies of the applications or details about them.

NAME: ________________________________________________________________________________

Continental Building Systems
Eligibility:  Seniors with a 3.0 enrolling in post-secondary institute, need, academics,
              character, essay.
Award:        $1,000 renewable
Deadline:     May 31 Applications available in the Guidance Office

DeVry University
Eligibility: DeVry applicants with a 2.7 or higher qpa
Award:       $1,000
Deadline:    Get more information and apply on-line at: high-school.devry.edu/students

Dollars for Scholars
Eligibility:   Seniors with financial need. Guaranteed to South Side students meeting eligibility
Award:         $ varies according to need.
Deadline:      ASAP

Masonic Scholarship
Eligibility: Must be a ―relationship to a PA Mason or membership in a PA Masonic-sponsored
             youth group.‖
Award:       $ varies
Deadline:    Deadlines and scholarship amount vary. Apply on-line at
             www.pagrandlodge.org/pmyf

Military Families & their Children/Dependents
Many options available for the children or dependents of military personnel for post-secondary
training. For example – The Education Gratuity Program, POW_MIA Program, Survivor’s and
Dependents Educational Assistance Program. For more information, contact PHEAA at
www.pheaa.org or www.gibill.va.gov

Model UN Scholarship
Eligibility: For students involved in the Model UN and who are continuing their education at
             Gannon University
Award:       up to $16,000
Deadline:    For more information call: 814-871-7000

Moody’s Mega Math Challenge 2009
Eligibility:  Juniors and Seniors. ―Math competition with a focus on real-world issues.
Students solve an open-ended, realistic applied math-modeling problem.
Award:        $20,000
Deadline:     More information available at: m3challenge.siam.org

National Federation of the Blind
Eligibility:  Applicants must be legally blind and planning to pursue a post-secondary
              education.
Award:        $1,000 - $12,000
Deadline:     August 31 Applications available in the Guidance Office

PA American Legion
Eligibility: Seniors can enter an Oratorical Contest/Essay Contest.
Award:       $200 - $3,500 for Essay, $1,500 - $18,000 for Oratorical
Deadline:    see web site for details: www.legion.org
PSEA – Michael Hornick Memorial Scholarship
Eligibility: Child of a member in good standing of PSEA who works for a school district in
             Beaver County
Award:       $2,500
Deadline:    May 15. Applications available in the Guidance Office

RMU Engineering, Math, Science
Eligibility: Academic talent and financial need
Award:       $6,000 a year renewable
Deadline:    Apply on-line at www.rmu.edu/sems

John G. Williams Scholarship Fund
Eligibility:  3.0, financial need, demonstrate ―personal initiative and civic responsibility‖, essay
Award:        $TBA
Deadline:     June 15 - See web site for details: jgwfoundation.org

Youngstown State University
Eligibility: Seniors SAT 1860, top 15%
Award:       Full tuition, renewable

Things to Note:

PSU offers SAT Review classes. Contact the Beaver Campus for details and costs. 724-773-
3700.

TeenCentral.net is a ―unique, personalized, anonymous and safe internet resource to help kids
face and overcome crisis and life’s daily challenges. Helps kids deal with issues relating to
smoking, death of a friend or relative, struggles with weight, grades, etc.

Heritage Valley Health System is looking for volunteers age 16 and above. Contact them at 724-
773-2054

Interested in being an EMS - Emergency Medical Technician? Check out this web site:
www.pa-ems.org

Sunday, May 10th is the Susan G. Komen Race for the Cure at Schenely Park. Register online
at www.komenpittsburgh.org to support breast cancer diagnostic and treatment programs in our
community.

SUMMER PROGRAMS:
Many colleges and universities offer summer programs for high school students interested
in a variety of fields. Call the school of your choice to see what is offered. Here are a few
samples of summer programs.

American Legion/Auxiliary - Boys State and Girls State programs. For more information go to:
www.boysandgirlsstate.org

Trooper D – PA State Police Camp
August 9-14th in Prospect, Butler County. Students learn about fellowship, build character,
discipline, team building, problem solving. $30 fee for the week.
For more information go to: troopdampcadet.org

Ohio University – for students in 9, 10, 11th grade. June 22 – July 25
For more information go to: www.ohio.edu/honorsacademy

Job Training Youth Program for students 15-21. Provides work opportunities throughout the
county. Need copies of your social security cars, birth certificate, proof of all family income,
verification of a disability, etc. Applications are available from the Guidance Office.
Camp Good SAM – for children ages 6-18 who have experienced a significant loss. Held from
August 13-15 in Fombell, PA. More information available from the Guidance Office.

Bethany Leadership Academy for Student Training – June 21-24. Designed to enhance the
leadership skills of students. Cost $250. For more information email: BLAST@bethanywv.edu

Point Park Summer Program – variety of summer programs for high school students interested in
journalism, film, writing, dance. Email them for more information:
summerprograms@pointpark.edu.

Friendship Ridge – looking for volunteers ages 14-18. Also – there is a $2,000 scholarship
awarded each year to a senior involved in this program.

Health Career Academy – July 13-17 @ University of Pittsburgh – School of Medicine. 9th & 10th
graders interested in a future in health careers. Applications available from the Guidance Office.

PA State Police - Camp Cadet - August 9-14 at Camp Lutherlyn in Prospect, Butler County. For girls and
Boys ages 12-15. Call them for more information – 724-284-1134 x 249

Keystone Boys Program – June 21-27 at Shippensburg University. This is an ―experientially
based government exercises … assist you in expanding leadership and problem solving skills.‖

PA State Police Youth week – sophomores and juniors. June 14-20 in Scotland, PA. This
program ―introduces students in all procedures of law enforcement … including forensics, riot
control, self-defense, and physical training.‖
Get more information and apply to: www.pa-legion.com

There are also many scholarship listings on the WEB. If you do not have access to the WEB at home, you
can use the Internet connection in the Guidance Office.
Check out these sites:           www.collegeboard.com                   www.collegequest.com
www.fastweb.com                  www.fafsa.ed.gov                       www.psu.edu
www.finaid.org                   www.horatioalger.org/scholarships      www.collegeview.com
www.pheaamentor.org              www.petersons.com                      www.aessuccess.org
www.collegenet.com               www.petersons.com                      www.ed.gov./prog_info/SFA
www.collegeispossible.org        www.educationplanner.org               www.tuitionfundsourses.com
www.pheaa.org                    www.collegenet.com                     www.collegeedge.com
www.collegexpress.com www.review.com                                    www.scholarstuff.com
www.yahoo.com/education/financial_aid                                   www.meritaid.com
www.pa.cx.bridges.com (User Name: 0046273, password: south)




                       Economy Causes Panic over Paying for School
Featured Author: Mark Kantrowitz is a nationally recognized financial aid expert and publisher of FinAid.org,
He is ABD on a PhD in computer science from Carnegie Mellon University (CMU). He has Bachelor of
Science degrees in mathematics and philosophy from MIT and a Master of Science degree in computer
science from CMU.

This year more than ever, the economy is making it more difficult for families to pay for college. The number
of financial aid applications is up more than 10% over last year. Lenders are suspending loan programs and
tightening credit standards. Families are concerned — really concerned — about obtaining loans and paying
for college. Add in the possibility of job losses and plummeting college savings plans, and you’ve got a
recipe for panic. But don’t panic just yet— here are 12 tips that can help you make your tuition, without
losing it.
Here are a dozen tips that can help you pay for college.
1. Minimize debt. Take advantage of grants and scholarships and other sources of free money for college
before resorting to loans. If you will be borrowing more for your entire education than your expected starting
salary, consider switching to a less expensive college.
Live like a student while you are in school so you don’t have to live like a student after you graduate.
2. Submit the Free Application for Federal Student Aid (FAFSA). You can submit the FAFSA online at
www.fafsa.ed.gov. It’s free and is the first step toward money from the government and most colleges.
Submit the FAFSA every year, even if you didn’t qualify last year. Financial aid rules change every year.
If you have unusual financial circumstances, such as a big drop in income or high un-reimbursed medical
expenses, ask the college for a professional judgment review. Give them photocopies of independent third
party documentation of the unusual financial circumstances.
3. Search for Scholarships. Search for scholarships at free scholarship matching sites like FastWeb.com
as soon as possible. You don’t have to be a high school senior to search for and apply for scholarships. The
more scholarships you win, the less you’ll need to borrow.
4. Education Tax Benefits. File for education tax benefits on your federal income tax return. These include
the Hope Scholarship, Lifetime Learning Tax Credit and the Tuition and Fees Deduction. (Congress just
increased the maximum Hope Scholarship to $2,500 and made it available for four years.) Up to $2,500 in
student loan interest is deductable even if you don’t itemize.
5. Borrow Federal First. Federal education loans are cheaper, more available, and have better repayment
terms than private student loans. You can get the unsubsidized Stafford loan and the Parent PLUS loan
even if you do not have financial need.
Let your college’s financial aid office know if your parents were denied a Parent PLUS loan, as they can
make you eligible for higher unsubsidized Stafford loan limits.
6. Apply for private student loans with a creditworthy cosigner. Applying with a cosigner not only
increases your chances of getting the loan, but also often results in a lower cost loan as the interest rates
and fees are based on the higher of the two credit scores.
7. Pay at least the interest that accrues while you are in school. This avoids the capitalization of interest,
which adds the interest to the loan balance. This will keep your loan balance from growing because of
negative amortization. Some lenders offer lower fees on private student loans for borrowers who pay the
interest instead of deferring it.
8. Talk to the Lender to Get Repayment Relief. If you are having trouble affording the monthly payments
on your education loans, talk to the lender. Lenders can offer a temporary suspension of payments through
a deferment or forbearance. You lose these options if you default first. Lenders can also provide alternate
repayment plans, such as extended repayment and, starting July 1, 2009, income-based repayment. (Try to
avoid overusing these options, as it can cost you. Interest may continue to accrue during a deferment and a
forbearance. Alternate repayment plans cut the monthly payment by increasing the loan term, which
increases the total interest paid over the life of the loan.) Additional repayment options may be obtained by
consolidating your federal loans. If you are having trouble finding a lender to consolidate your federal
student loans, use the Federal Direct Consolidation Loan Program at loanconsolidation.ed.gov.
9. Ask the bursar about tuition installment plans. Most colleges offer these plans, which let you spread
out the college bills over 9-12 months for a one-time fee of $50 to $100.
10. Continue saving for college. 529 college savings plans remain one of the best ways of saving for
college. Many offer low-risk investment options. Investing a fixed amount every month gets you the benefit
of dollar cost averaging, a strategy that works best when the stock market is volatile. Be sure to use an age-
based asset allocation strategy, where the mix of investments becomes more conservative as college
approaches. This will protect your savings from losses. (When your children are young you can afford to use
a more aggressive strategy as the potential losses are smaller and there’s more time to recover from market
downturns.)
11. Beware of Scholarship Scams. It is especially important to be vigilant about scholarship scams and
advance fee loan scams. If you have to pay money to get money, it’s probably a scam. Do not give out your
bank account number, credit card number or social security number to apply for a scholarship. Education
loans never require up front payment of fees. Instead, they deduct the fees from the disbursement check.
12. Cut College Costs. To cut college costs, try to graduate in three years instead of four by taking extra
classes or getting credits through Advanced Placement tests. Double major to get two degrees for the price
of one. Live at home or get a roommate to save on housing costs. Buy used textbooks or sell your textbooks
back to the bookstore at the end of the semester.                                             April 21, 2009

				
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