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    COLLEGES OFFERING FREE TUITION BASED ON FAMILY INCOME:  15 Universities in Texas offer free tuition based on family income.  To view these schools and the requirements, google "Colleges Offering Free Tuition Based on Family Income."  Also, Harvard can be included with these TX schools.
     
    ABE AND ANNIE SEIBEL FOUNDATION.  Offering interest-free loans to US citizens and Texas residents.  Student must enroll as a full-time student at a Texas college/university.  Graduating seniors must be either in the top 10% of their high school graduating class OR have a minimum 1500 SAT or 22 ACT sscore.  College level students must maintain a 2.75 overall gpa. Contact the foundation after Nov.1 to be placed on the mailing list for the upcoming fall/spring long-term school year.  Application packets are accepted Jan 1 - Feb 28.   Address: Abe and Annie Seibel Foundation, % The Frost Bank - Trust Dept.,  Box 8210, Galveston, TX 77553-8210
     
      
    MILITARY FAMILIES:  IF YOU HAVE EVER SERVED IN THE MILITARY, YOUR DEPENDENT CHILD MAY BE ENTITLED TO FREE TUITION UNDER THE HAZELWOOD ACT.  THE REQUIREMENTS HAVE CHANGED AND YOU NO LONGER MUST BE DISABLED. COMPLETE THE FAFSA AND TAKE IT TO THE FINANCIAL AID OFFICER AT THE INSTITUTION THAT YOUR CHILD PLANS TO ATTEND.  THAT PERSON WILL CALCULATE HOW MUCH FREE MONEY YOU ARE ENTITLED TO.
     
       
    TEXAS GRANT for seniors who graduate on the Recommended Program and exibit a financial need.  Maximum awards:  $7,400 for public universities, $2,400 per year for publ8ic community college students, and $4,400 per year for public technical college students.  There is an information sheet in every senior's mailbox.  Please check it out.
     
      
     ************Remember to register with www.fastweb.com  for a free scholarship search tailored to your particular situation.  This free service will take information from the profile that you submit and find every national scholarship that you are eligible to apply for and e-mail it to you.  A great scholarship secretary free of charge!

     
    www.everychanceeverytexan.org/funding/aid/aidfed.php - Great information for Texas Students.  FIND FREE MONEY HERE!  FIND FREE MONEY HERE!
     
      
    www.gofreegovernmentmoney.com  $1.5Billion in grants.
     
    www.OEDb.org - Online education portal that has a comprehensive higher education resource specifically for residents of Texas.
     
     
     
     
    PLACES TO CONTACT FOR MONEY FOR COLLEGE:
       1.  College/University Financial Aid Officer - This person controls about ninety percent (90%) of all student financial aid available.  Contact the Financial Aid Office of the college/university or vocational/technical institute you wish to attend as soon as you have met entry requirements.
       2.  Institutional Scholarships - Various departments at the college (Art, English, History, Math, Computer Science, etc) may offer scholarships to students enrolled in specific majors.  Contact the major department at your school choice.
       3.  Special Programs/Grants - Various colleges have special programs or awards for specific groups of students (i.e., special assistance programs for minority students, church-related awards for members of a certain religious affiliation, dependent of clergyman, etc.).
       4.  Community Organizations - Many offer scholarships, grants, awards, loans, etc.  Check with your local organization.
       5.  Business Firms/ Unions/Ex-Military - Various businesses, especially large companies, have scholarships, grants, or awards for dependents of their employees, or in some cases for anybody.  The same holds true for some unions.  Military or ex-military organizations are also in this category.
       6.  Foundations - Check with your local foundations.  Many offer granats, scholarships, and/or loans.
       7.  Educational Loans - Loans are sometimes available at lower interest (in comparison to a regular "personal loan") from credit unions, commercial banks, savings and loan associations, etc.
       
     
    FEDERAL PELL GRANT
       This is a Grant and does not have to be repaid.  Available almost exclusively to undergraduates.  Pell Grants are the foundation of federal student financial aid, to which aid from other frederal and nonfederal sources might be added.
     
    FEDERAL SUPPLEMENTAL EDUCATIONAL OPPORTUNITY GRANT (FSEOG)
       This is a Grant that does not have to be repaid.  For undergraduates with exceptional financial need.  Federal Pell Grant recipients receive priority for FSEOG awards.  Funds depend on availability at school.
     
    TEACHER EDUCATION ASSISTANCE FOR COLLEGE AND HIGHER EDUCATION (TEACH) GRANT:
       This is a Grant and does not have to be repaid UNLESS you fail to carry out the service obligation to teach full-time at certain low-income schools and within certain high-need fields for at least four academic years within eight years after completing (or ceasing enrollment in) the course of study for which the candidate received a grant.  Available for undergraduate, post baccalaureate and graduate students.  The grant is converted to a Direct Unsubsidized Stafford Loan and must be repaid with interest if you do not fulfill your teaching agreement.  Consult the Financial Aid Administrator at your college for additional requirements.
     
    There are many loan programs available.  Contact the Financial Aid Officer at the college of your choice.  Loans must be repaid with interest - just like a car loan.
     
    AMERICORPS
    1201 New York Avenue, N.W.
    Washington, DC 20525
    800-942-2677
       This program provides full-time educational awards in return for community service work.  These awards consist of working before, during, or after your postsecondary education, and you can use the funds either to pay current education expenses or to repay federal student loans.  For more information:  contact Corporation for National and Communithy Service at above address.
     
    VETERANS AFFAIRS EDUCATIONAL BENEFITS FOR DEPENDENTS
       VA Regional Office, Western Region
       125 S. Main St.
       Muskogee, OK 74401-8888
    If you are the dependent of a veteran, there may be some educational benefits available to you, such as Survivors & Dependents Assistance (DEA) and transferred Post-9/11 GI-Bill Benefits (TEB).  Information available www.gibill.va.gov or call 1-888-442-4551.
     
    US BUREAU OF INDIAN EDUCATION
       Bureau of Indian Education
       1849 C Street NW/MS 3609 MIB
       Washington, DC 20240
       202-208-6123
     
       
     FEDERAL PERKINS LOAN
       This is a loan and must be repaid.  Must demonstrate financial need.  Interest charged on this loan is 5% for both undergraduate and graduate students enrolled at     least half-time.  Federal Perkins Loans have no additional fees or charges, other than interest.  Payment is owed to the school that made the loan.
     
     
    BORDERING STATES WAIVER
       This program provides a waiver of nonresident tuition for students from neighboring states (Arkansas, Louisiana, New Mexico and Oklahoma). 
       The institution must have an agreement in the student's home state to allow Texas residents to attend other state's institutions and pay a
       reduced rate.  Contact your college for additional information.
     
     
    ATTENTION JUNIORS: High School Aerospace Scholars is an interactive, online program for Texas high school juniors.  You participate in online space studies on how lunar exploration, Space Shuttle, and Space Station have/will prepare us for Mars exploration.  You spend six days at the NASA Johnson Space Center and participate in briefings by NASA engineers and scientists; team projects and hands-on engineering activities; tours of NASA facilities.  All expenses paid.  Go to http://www.HAS.aerospacescholars.org
     
     
    GREAT RESOURCE for help with the SAT.  http://www.mometrix.com/academy/sat-test/   Review videos for different sections of the SAT test.  The math section is very helpful.  Check it out!
     
     Link to SAT and ACT practice tests:  www.nctc.edu/StudentServices/SupportServices.aspx  Thank you NCTC!
     
     
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    *SCHOLARSHIPS*
    October Scholarships:
     
    NCTC SCHOLARSHIPS:
     
         Dual Credit - Scholarship Information-  Deadline for spring semester = October 15.  Hard copies of this
                    scholarship are available in the counseling center.
         Tuition Waiver for high school students who are on the free and reduced lunch program.  See Mrs. Cornelison for an application
         Mary Josephine Cox Scholarship - Seniors with 3.0.  $100 for each semester awarded if the student maintains 3.0.  Good for five semesters.  Go to
                   NCTC website.
         NCTC Foundation Scholarships.  One application for general NCTC Foundation and departmental scholarships.  Applications are available in the Financial Aid
                   Department and in the NCTC Foundation Office.  Amounts of the scholarships range from $500 - $2000.  To view a complete listing of scholarships
                   available through the NCTC Foundation see the Scholarship Handbook on the website. 
     
    November Scholarships:
    Hagan Scholarship Foundation- http://www.hsfmo.org


     
    March Scholarships: 
    Catholic Life Insurance- http://www.cliu.com 
     
     


     
    JUNE DEADLINES:
     
    BigSun Scholarship-  $500 to a student/athlete regardless of which sport they are participating in.   www.bigsunathletics.com 
    for application.
     
    ABBOTT AND FENNER  $1000 -  www.abbottandfenner.com/scholarships.htm