The best way to find scholarships is to start early and use a mix of online tools, local resources, and school support. Scholarships are available for a range of students, including those with financial need, specific career goals, or unique backgrounds. Unlike student loans, you don't have to repay scholarships, and multiple small scholarships can add up to a meaningful reduction in college costs. The key is knowing where to look.
This guide covers the best places to search, the most common award types, and tips to improve your search.
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What to watch out for: Many federal, state, and school-specific scholarships and grants require you to submit the Free Application for Federal Student Aid (FAFSA). Apply early, since some aid is limited. Maximize your free financial aid and federal loan options before turning to private student loans.
Where to search for scholarships
If you're looking for scholarships, these tools and resources can help you find awards you're eligible for and apply more efficiently.
1. Online scholarship search engines
Scholarship search engines gather thousands of legitimate opportunities in one place, making it easier to get started. Many platforms let you create a profile and receive personalized scholarship matches based on your background, interests, and academic goals.
Some of the most popular and trusted search tools include:
2. Your high school or college
Schools are one of the best resources to find scholarships, especially local or program-specific awards. If you're in high school, talk to your guidance counselor about scholarships available in your area or through your school. If you're in college, check in regularly with your academic adviser.
“Once you've declared a major, ask the program coordinator every semester if they know about any scholarship programs you might be eligible for,” Bishop advises.
3. State and federal sources
Government programs can be a valuable source of scholarships and grants, especially if you have financial need.
- State: Check your state's higher education agency for scholarships and grants you may qualify for. Many states offer programs for residents who attend in-state schools.
- Federal: The federal Pell Grant is one of the largest sources of need-based aid. For the 2026-27 school year, the maximum award amount is $7,395. To qualify, you must complete the Free Application for Federal Student Aid (FAFSA) and meet income and eligibility requirements.
Important
Filling out the FAFSA can also qualify you for school-specific scholarships. Many colleges offer their own need-based scholarships, and the FAFSA is often required to be considered.
4. Employers and professional organizations
Many companies and industry groups offer scholarships to eligible students tied to a career path or a community. If you or a parent works for a large company, check with HR about any education benefits or scholarship programs.
Professional groups in your field are also worth a search. For example, the National Society of Professional Engineers (NSPE) offers multiple scholarships for engineering students at various levels of study.
National scholarship programs
Some national programs offer awards worth applying for, but competition can be steep. They include:
- The Coca-Cola Scholars Foundation awards $20,000 scholarships to 150 high-achieving high school seniors nationwide.
- The Dell Scholars program supports students with financial need with a $20,000 scholarship, plus a laptop, textbook credits, and an emergency fund.
- The Hispanic Scholarship Fund awards $500 to $5,000 scholarships each year. It’s open to students of any race who identify as Hispanic.
5. Community and religious groups
Local organizations, religious institutions, and community foundations often offer smaller scholarships with fewer applicants, making them easier to win. For example, local Rotary Clubs frequently award scholarships to students who demonstrate leadership and a commitment to community service.
Many Jewish Community Foundations (JCFs) also offer scholarships based on academic merit, financial need, or Jewish community involvement, though availability and criteria vary by region.
Ask your place of worship, community center, or local nonprofits about scholarships you may be eligible for.
Editor insight: “Scholarships aren't limited to incoming freshmen. I recommend setting time aside each year to revisit your scholarship search, since your eligibility may change as you choose a major or meet new criteria.”
— Kelly Larsen, Student Loans Editor, Credible
Types of scholarships
No matter your background, there's likely a scholarship you qualify for. Here are some of the most common types:
Merit-based
Merit-based scholarships are awarded based on achievement — whether academic, athletic, artistic, or leadership-related. These are the types of awards most people think of when they picture college scholarships. But they're not just full rides for top students or athletes. Many merit-based scholarships are smaller awards given to students who've stood out in a specific area or shown resilience in the face of challenges.
Need-based
Many scholarships and grants are awarded based on financial need. These are typically designed for students from low-income families and take into account your household income, family size, and other financial factors.
To qualify for most need-based aid, you'll need to submit the Free Application for Federal Student Aid (FAFSA). The information you provide helps schools, state agencies, and scholarship organizations determine your eligibility.
Identity-based
Some scholarships are awarded based on your background or personal identity. These might be offered to students based on race, ethnicity, gender, religion, LGBTQ+ status, or other characteristics. Many are created to support underrepresented or marginalized groups and help make college more accessible.
“There are scholarships for just about every interest and identity,” says Bishop. “Do some digging, and you might find a few hundred dollars for being from a particular town, having a rare talent, or simply existing.”
Field-specific
If you plan to study a specific subject or enter a particular career, you may qualify for scholarships tied to that field. These awards are often sponsored by professional associations, companies, or academic departments that want to support students entering the industry.
You can find scholarships for a wide range of fields, including STEM, business, nursing, education, graphic design, arboriculture, filmmaking, and culinary arts.
Unique scholarships
Not all scholarships are based on academics or financial need. Some reward creativity, hobbies, or unusual traits. If you have a niche skill or stand-out characteristic, it's worth searching for scholarships that match.
For example, the Duck Brand Stuck at Prom scholarship gives students money for designing prom outfits out of duct tape. Other unique scholarships exist for duck callers, exceptionally tall students, and even Minecraft players.
When to search for scholarships
Here’s generally when you should look into and apply for scholarships:
Winter: Begin writing personal statements and essays Spring: Request recommendation letters from mentors and teachers | |
Winter: Finalize and submit major scholarship applications Spring: Check for local, school-specific, and niche awards | |
Scholarship search tips
These search strategies can help improve your chances of winning a scholarship:
- Start early: Don't wait for senior year to start thinking about scholarship applications. Some deadlines are as early as junior year of high school.
- Apply for many smaller scholarships: Legitimate scholarships don’t charge an application fee. Some paid services aren’t automatically scams, but check the price before you sign up, and don’t pay to apply for a scholarship. Other red flags include requests for sensitive information, money-back guarantees, and pressure to act quickly.
- Avoid scams: Legitimate scholarships don’t charge an application fee. Some paid services aren’t automatically scams, but check the price before you sign up, and don’t pay to apply for a scholarship. Other red flags include requests for sensitive information, money-back guarantees, and pressure to act quickly.
- Look beyond your GPA: Your grades are important, but they're not everything. Many awards focus on community service, passion projects, or career goals.
- Stay organized and persistent: You'll have more success if you treat applying to scholarships like a part-time job.
How to apply for scholarships
Each scholarship comes with its own requirements, but these tips can help you improve your chances of getting awarded:
- Follow the exact scholarship instructions: Missing a document or leaving out a required detail can cost you the scholarship. “I know a student who missed out on $20,000 because they forgot to send in a form and headshot,” says Bishop.
- Tailor your application: Many scholarships are tied to a specific theme or mission. The strongest applications clearly show how your goals or background align with what the organization values.
- Stay organized: It's easy to lose track of deadlines, eligibility rules, and other requirements if you're applying to several scholarships, so set up an easy organization system. A spreadsheet is a good way to track scholarships, since it allows you to sort awards and include links and other important information.
- Keep a folder of scholarship essays: “You can likely reuse parts of your essays for multiple applications,” recommends Bishop, although you'll still need to personalize each one.
- Ask for recommendation letters: Strong recommendation letters from teachers, employers, or community leaders can help strengthen your scholarship application.
FAQ
When should I start searching for scholarships?
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How do I find scholarships I qualify for?
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Do I need to fill out the FAFSA to get scholarships?
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Can graduate students get scholarships?
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Are scholarships taxable?
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