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How to Get a Full Scholarship

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Apply to your top schools in state first. There are two major ways to get a big scholarship to attend school as an undergraduate: winning a scholarship from the school itself, or winning a private or federal scholarship that can be used at any school. Both varieties of scholarship are typically given for a combination of demonstrable financial need and excellence in achievement. To start narrowing it down, think about nearby schools that will value in-state applicants.

• Typically, but not in all cases, state schools offer more full scholarships to in-state applicants with fewer criteria that need checked off to apply. In other words, the only criteria to apply needs to be that you're a resident of the state in which you're applying, in many cases. Because the rent covered by the full scholarship is a lesser amount, more of these scholarships are sometimes offered. Smaller, more expensive private schools out of state typically offer the fewest scholarship options.
• Getting a big scholarship will have more to do with how well the application board thinks you'll fit in with their mission for the university, meaning that you'll stand a better chance of big scholarships at schools where you think you'll fit in.

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Find out what financial aid options your top schools offer. The scholarship opportunities and financial aid packages that each school offers will vary based on a number of factors, including the school's endowment, the enrollment numbers in a given year, and their focus on attracting specific varieties of students. Each school will offer a limited number of scholarships to students based on merit and other factors.

• Typically, you can learn everything you'll need to know on the website of the university to which you're applying by clicking on "Financial Aid" and selecting "Scholarships." Most schools will separate the scholarships available to in-state, out-of-state, and international students, so you can find the scholarships available to you.

Demonstrate financial need. Full scholarships are primarily offered to in-state applicants who wouldn't be able to pay for college otherwise, with some being offered to exceptional students and athletes variously, depending on the institution. On your FAFSA application, then, it's important that you demonstrate a lack of the essential funds and holdings that would make you able to pay for your education otherwise, and for your application to be as strong as possible in demonstrating your potential to succeed at the school you choose.

• For most students, applying for FAFSA as a dependent means that you won't qualify for any full scholarships offered by the university that are offered on a need basis. If you're up in the air about how to apply, it might be smarter to apply as an emancipated or an independent student.

INSURANCE


Knowing how to choose insurance company is not an easy task, nor is it an exciting one, but you will be glad you took the time to find the right one for you if you ever need to file a claim. When choosing your insurance carrier, there are several factors you should consider to help you make a wise decision. A great way to start is to review the insurance company. What is the quality rating of the insurance company, as published by the main rating agencies (Moody's, Standard & Poor's, and AM Best), in comparison with their peers? This rating indicates the ability of the provider to pay a claim and the potential longevity of the company.

Things to Consider When Choosing a Company


Another question to ask is if the insurer is a specialist in the area of insurance coverage you are considering. If you require specific or less common coverage, be sure the company you're considering can meet those needs. For example, when considering travel insurance, buying it from a well-known company, like Allianz Global Assistance or Travel Guard, owned by AIG. Both companies were named some of the best in travel insurance in 2018 by Forbes magazine.



In today's tech-heavy world, it is easy to find yourself wading through voicemail prompts instead of talking to a live agent. It is worth finding out if you can easily reach a "live" agent and will that agent be assigned to you, rather than a random operator. Using a company that provides you with a personal agent to talk to can be very valuable when you have a problem or need to file a claim.

What are the Premiums and Deductibles?

In an important thing to ask is, "Are the premiums cost-effective when compared to similar insurance companies?" While it is important to consider the amount you will be paying in premiums, this is not the only factor. Carriers that offer really low rates may be new to the market, or a policy with a lower premium may not provide as much coverage. Ask each potential insurer, "What are your deductibles on the policy?" A deductible is the amount you will be responsible for paying if you file a claim. A lower deductible often means you are paying a higher premium, and vice-versa, so you need to decide what makes the most sense for your situation.


Every insurance company sets up its own claim paying process. If you have an accident or injury, the easier the process the better. Find out the process for claim pays upfront.