How to Find More Cash for School – 9 Financial Aid Options

As an undergrad, I financed my way through college with grants and student loans – but there was a time when I didn’t have enough money for basic living expenses.

Sure, I had a place to live on campus, but I didn’t have much money for anything else.

So if you ever find yourself worried about financing your education (like I have), here are some ways to cover your college tab:

Federal Pell Grants
The Federal Pell Grants are financed by our federal government – and typically get awarded only to undergrads. These don’t ever need to be repaid. It’s essentially free money to attend class. The maximum amount of money you may get is $4,731 (through June 30, 2009).

Supplemental Educational Opportunity Grants (SEOG)
The SEOG grants are paid to you to help cover your financial needs. These can be awarded to both part-time and full-time students. Grants range between $100 and $4,00 per year (depending on need).

Stafford Loans
Stafford loans need to be paid back, but the interest is subsidized while you’re in school And you don’t need to start paying it back until 6-months after you graduate.

Federal Perkins Loans
The Perkins loans are available for both undergrads and graduate students. Interest rates on these loans is about 5% right now (03/08). Undergrads can get up to $4,000 per year, and graduate students can get $6,000 per year.

College Scholarships
There are tons of free college scholarships out there – it’s just a matter of taking the time to apply. Some people think that you have to have a perfect G.P.A. to qualify, but that’s not the case. There are thousands of scholarships based on other factors; including: athletics, community service, arts, etc.

Plus Loans
You may not know this, but you can get a loan to cover the cost of your education through your parents. Your parents are allowed to borrow the amount of money you need to cover the cost of your education (minus any other financial aid you receive).

Veterans Administration
You don’t have to be a military veteran to qualify for a financial aid. If you’re mother or father served in the military, you might qualify to get some financial help for school.

Company Assistance Programs
I work for a company that is paying my way through graduate school. And I’m not alone – there are many corporations that will pay for schooling and training of its employees. Most of the time you need to work fulltime, which can be a strain on study time – but it relieves the stress of paying the semester bill.

Social Security
I know you probably think social security is only given to older people, but that’s not the case. Social security payments are available people up to age 18 for unmarried students with a deceased parent or a parent who is disabled or drawing social security benefits.

Organize Your Life with Google Calendar

If you haven’t started using Google calendar, we highly recommend it. Not only can you keep track of all your weekly activities online, but you can have the event reminders emailed directly to you. Pretty cool, huh? And you can also import concert calendars, sporting event calendars, and your friend’s calendars into yours so you don’t miss anything. This is definitely worth checking out.

101+ Web Resources for Students

Im in the middle of writing a lengthy paper – and Ive discovered a bunch of useful websites.

Here is a collection of over 100 web resources that you might find useful as well:

Almanacs

Biographies

Dictionaries

Encyclopedias

General Research

Journal Article Databases (Free Access from Campus Library)

Literature

Social & Economic Issues

Statistics

Style Manuals

Yearbooks

15 Online Notepads You Should Check Out

There must be over 100 different websites out there offering web-based notepads to students.

Some of these websites are pretty cool, but most of them need a major design overhaul.

Well, were going to review each one eventually, but well provide you links to each one so that you can check them out for yourself. Check them out:

Feel free to leave a comment below about which online notepad you enjoy using. And please let us know if theres a particular online notepad that you think should be reviewed here.

Where to Find Online Tutors

Summer is a great opportunity to get some extra tutoring in subjects that you might need a little help in.

Here are a variety of places you can visit online to get tutoring without leaving your computer:

  • Smart Thinking
    Topics: Accounting, Economics, Finance, Medical Assisting, Neuroscience, Nursing, Medical Surgery, Pharmacology, Online Writing Lab, Spanish
  • Tutor.com
    Topics: English, Math, Science, Social Studies
  • Tutor Vista
    Topics: Math, English, Language Arts, Physics, Chemistry, Biology
  • Class of 1
    Topics: Math, Physics, English, Chemistry, Economics, Statistics, Accounts, Finance, Human Resources Management, Corporate Strategy and Marketing Management
  • Tutorzilla
    Topics: Math & Science
  • Tutor Nation

Please let me know of any others you think should get added to this list.

Recommended Reading:

6 Cool Online Office Applications You Should Know About

Here are 6 web-based text documents that you can use to store and share your documents online:

ThinkFree
ThinkFree provides you with a web-based document that looks almost exactly like Microsoft Word. These online documents can be shared with your friends and edited by anyone you give access to. You can also publish your document directly on your blog if you want.

Writeboard
Writeboard is another free web-based document application that allows you to share your documents with friends—and it will even track everyone’s changes. What’s nice about this application is that you can subscribe to these docs via RSS, so you’ll immediately know after someone’s finished editing the text.

GOffice
GOffice is an online word processing application that gives you unlimited text storage space. Yeah, unlimited! And this site also allows you to fax your online document anywhere in the United States for free. There’s also a nifty PDF converter (in case you want to download a PDF version of your doc).

ajaxWrite
ajaxWrite is one of our favorite online word processing programs because it allows you to read and edit Microsoft Word and Excel documents. You can work on your file and then immediately download it to your computer when you’re done. The only problem is that you need to have the Firefox web browser to use this program.

Zoho Writer
Zoho Writer is another online processor that allows you to import documents in a variety of formatsincluding Microsoft Word and HTML. Multiple users can edit the same document at the same time.

Google Docs and Spreadsheets
We can’t write an article about web-based office applications without mentioning Google Docs and Spreadsheets. Google’s online docs is a great way to write, store, edit, and share documents with anyone. Anyone who has an email account can gain access to this free application.

Free Math Help

Hotmath.com is a website that provides free math help for a variety of homework problems from over 150 math textbooks. The site also offers free online math calculators and math workbooks and games. The site currently serves over a million students, and can provide you free help in algebra, geometry, trigonometry, precalculus and calculus. There are also free video lessons and practice tests to help you sharpen your math skills. This site looks very helpful, so check it out if you need some math help. Let us know what you think.

How to Deal with Exam Stress

We love The Student Room (the United Kingdom’s largest online student community) website.

They have a cool wiki project with students posting tips and advice on a variety of subjects—everything from anthropology to veterinary medicine. The wiki project just launched, and were excited to already see students submitting helpful content.

Anyway, they have a great collection of tips on how to deal with test stress.

Here are some of our favorites:

  • If your mind goes blank, don’t panic. If you worry and panic, it will make it harder to recall the information. Focus on some deep breathing for a few minutes. The information is there, you just have to get to it. If after relaxing for a few minutes, you still can’t remember the answer, move onto the next question and come back to this one later.
  • Don’t try to be perfect. We all want the best possible grades that we can get, but sometimes it just doesn’t work like that. If you think that ‘anything less than an A means I’ve failed’, then you are just creating unnecessary mountains of stress for yourself. Try to do your best, but remember that we can’t be perfect all the time.
  • The night before your exam, make sure you have a relaxing evening, doing as little revision as possible. Get a good night’s sleep, and try your best not to worry; you have already done all your revision anyway! On the day, make sure you have plenty of time to get ready, have a good breakfast and arrive at college or school in plenty of time.

Check out the rest of the test taking strategies to reduce stress.

The Nuts and Bolts of Time Management

If youve been reading productivity blogs for a while, you probably already know the basics of time management:

  • Making your “To Do” list
  • Focusing on one task/goal at a time
  • Creating deadlines for yourself
  • Rewarding yourself for accomplishing your goals
  • Avoiding procrastination
  • Making time to relax

Its easy to understand these basics, but its another to actually apply them in real-world situations.

As you know, its very easy to lose focus on our daily goals – especially with email, Digg.com, Google Reader, yada, yada, yada.

So thats why Ive found these online resources on time management very practical:

Managing Your Time
Dartmouth developed a nifty list of online resources for time management. The article includes links to a time management video, planning documents, and free calendars to download in both Word and Excel.

Beating Procrastination
The best way to defeat procrastination is to identify it the moment its happening. This article provides 3 practical steps to overcome this weakness in all of us.

10 Tips for Time Management in a Multitasking World
Even though this article is focused on todays office environment, it definitely fits with the life of a busy student.

12 Hours to Better Time Management
Lifehack.org developed a great article on time management. Pay close attention to the first section that discusses how to set up your calendars.

61 Time Saving Tips
This article starts by saying that You DO have enough time for everything and then gives you a laundry list of ways to help you accomplish all your goals.

8 Ways to Avoid Managing Your Time Effectively
Sometimes it helps to read the opposite advice to think clearly about what were doing to waste time.

Time Management Principles for Students
The University of Minnesota Duluth compiled this list of time management strategies for students. Simple and practical.

TimeTracker
TimeTracker is an online tool to help you track the time you spend on each of your tasks. It can help keep you on focused – which is helpful when you need to write a lengthy paper.

Time Management [Video] – Randy Pausch
This lecture was recorded at the University of Virginia – and runs over an hour. Its both informative and entertaining.

Cheat Sheets

Heres a list of some helpful cheat sheets from around the web . . .

Algebra Notes
23 pages filled with every formula and rule you need to know for Algebra.

Algebra Cheat Sheet
A down and dirty guide to Algebra – in just 4 pages. Theres even a shorter cheat sheet here.

Calculus Cheat Sheet
6 pages of Calculus notes to help you master Calculus.

Chemistry Cheat Sheet [pdf]
This pdf provides a list of math and chemistry tips.

Computer Science Cheat Sheets
10 pages of theoretical computer science formulas.

English Grammar for Dummies
Somebody uploaded the entire English Grammar for Dummies book. Get the pdf while its still available. 388 pages.

Geometry Fact Sheet
Everything you need to know about Geometry.

GMAT in a Nutshell
A helpful list of info to help you prepare for the GMAT exam.

GMAT Tips
Grad Student Mirna Safi developed this document to help others study for the GMAT.

Grammar Cheat Sheets
Franklin provides you with a quick and dirty cheat sheet covering some of the most common grammar errors students make.

Law School – Bar Exam Cheat Sheets
35 pages of notes to help students pass the Bar exam.

MCAT Mnemonics
A giant list of mnemonics to help you prepare for the MCAT.

Pharmacology Notes
A huge list of pharmacology terms.

Physics, Calculus & Astrophysics Cheat Sheets
Harvard student Friedman provides everyone his personl cheat sheets in Calculus, Multivariable Calculus, Physics, Quantum Mechanics, Optics, Relativity, Astrophysics, and tons more. Everything can be easily viewed or saved as a jpg.

Physics & Calculus Cheat Sheets
Dana provides his personal cheat sheets in Calculus and Physics. These are zip files that you can easily download.

Physics Final (Cheat Sheet)
A student posted his personal cheat sheet for his High School physics exam. Its complete with problems from the test.

Trigonometry Cheat Sheet
All the Trig formulas you need to know.

Vocabulary Cheat Sheet
This pdf is designed for those preparing for the GMAT, but will also help for the GRE. 96 pages.

Can you recommend any others?