Help Applying For Scholarships, Paying For College |
We’re excited to share these upcoming scholarships with students residing in the North region of CA! Whether you’re ready to start the application process today or not, the Let’s Go team advises that you save these opportunities and get connected with the organizations who allocate these funds to further support your education.
As always, good luck with the process! If you have any questions or would like to access additional scholarship opportunities, follow us on Instagram @gotocollegeca
Dare To Dream Scholarship
Each year the Dare-to-Dream Scholarship Program provides higher education funding opportunities for a number of current or former foster high school graduates and GED recipients in VOA’s service areas. Scholarships are given to former foster youth who are motivated to attend college in order to build emotional, financial and social security.
Eligibility:
- Current or former foster youth living or have lived in Northern California
- Be a 2023 graduating high school student or has already earned a high school diploma or GED
- Accepted or expects to be accepted to an accredited 4-year college/university, community college or vocational program
- Current GPA of 2.0 or higher
Deadline
April 14, 2023
Chicana Latina Foundation Scholarship
Each year, CLF selects 40-45 students to be part of the Leadership & Scholarship Program. As a recipient, awardees will participate in a year long program in the following ways:
- Awardees will attend all Leadership Institute sessions in August 2023 and February 2024
- Awardees will receive a scholarship of $1,500, which is split into two payments.
- Awardees will be invited to attend the Annual Award Dinner in January 2024.
- Awardees will act as CLF Ambassador for 10 hours during the 2024 Application cycle by completing outreach on their campuses
Eligibility:
- Self-identify as a Chicana and/or Latina
- Be enrolled in an accredited college, university, or community college in one of the following California counties: Alameda, Contra Costa, Marin, Monterey, Napa, Sacramento, San Mateo, Santa Clara, Santa Cruz, Solano, San Francisco, Sonoma, or Yolo
- Commit to attending the CLF Leadership Institute Sessions & CLF Annual Awards Dinner
- Commit to volunteering 10 hours as a CLF ambassador before March 2024
Amount Awarded
$1,500
Deadline
March 31, 2023
10,000 Degrees Scholarship
10,000 Degrees proudly provides scholarships to students with significant financial need who exhibit a strong desire to go to college and accomplish their educational goals. Scholarship recipients will receive one-to-one support from trained Fellows who provide the student with ongoing mentorship both on campus and off during their entire college journey. After a student graduates, they will also have access to Career and Alumni Success services, and will be invited to stay connected to 10,000 Degrees through their Alumni LinkedIn group and Young Professionals and Alumni Council networking group!
Eligibility:
- Must demonstrate financial need in pursuit of your first associate’s degree, bachelor’s degree, teaching credential, or certification for a technical program
- Must be enrolled in 12 academic units or more
- Must be a student in the Bay Area: Marin, Sonoma, San Francisco, Contra Costa, San Mateo, Santa Clara, Napa, and Lake counties.
- Must have completed either the FAFSA or the California Dream Act Application
Amount Awarded
$1,500
Deadline
Rolling-basis until all funds are distributed
Don & Roy Splawn Scholarship
The Don and Roy Splawn Charitable Foundation West Scholarship Grant Program is open to financially disadvantaged students who wish to further their pursuit of post secondary education; whether it be of an academic or vocational nature.
Eligibility:
- Must be a High School Senior
- CA resident
- Must demonstrate financial need
- Must have a 2.6 GPA and above
- Must engage in paid or unpaid Community Service Extracurricular Activities
Amount Awarded
$200 – $2,000
Deadline
April 9, 2023
Career & Early Adulthood |
You see it all the time on movies and TV! People go shopping and pull out their nice sparkly credit card to pay for the charge, but what exactly is it? Credit cards are actually a staple in adult finances. Read below for more on what credit cards are and why they matter!
Q: What is a credit card?
During a transaction, a credit card will work the same as a debit card. Both cards have a 16-digit number, a security code, and an expiration date; however, the mechanics behind them are different.
While debit cards withdraw your own funds from the bank, credit cards draw from a loan. This “loan” is called your credit line. Banks will approve you for a certain loan amount and this loan is the maximum the bank is giving you to spend. If your credit line is $500, then you can only use $500. If your credit line is $1000, then you can only use $1000.
Because the money is not yours, you have to pay the money back month-to-month. Most banks have a listed minimum payment amount. For example, you may have used $300 of your $1000 credit line, and you’re required to make at least a $35 payment each month. The minimum payments vary from bank to bank.
Notably, credit cards charge you an interest rate. Because the bank is allowing you to use their money, they will charge you interest to make more money back. If your interest rate is 10%, then if you use $100, you have to pay the bank back $110 ($100 + $10 for interest).
There are different types of credit cards. Some are specifically meant for college students! As you grow older, you will have options to cards that are specific to travel, rewards shopping, and more.
Q: Why should I get a credit card?
Importantly, credit cards can help build and increase your credit score! A credit card is a perfect way to show lenders that you are a reliable consumer through on-time payments and credit usage.
If you pay your credit card bill every month on time, your credit score will go up! If you pay more than the minimum payment each month, your credit score will also go up!
Additionally, using only a portion of your credit limit is extremely beneficial! Financial experts recommend using only 30% of your credit limit. This indicates to other lenders that although you have access to more money, you do not need to use it all. So if you have a $1000 credit limit, it is recommended that you only use a constant $300. If you use more than 30%, your credit score may decrease, but if you manage to keep it at 30% or lower, your credit score will go up!
Q: Who can get a credit card?
There are a few requirements for a credit card. You must:
- Be at least 18 years old. At this age, you must have a reliable source of income (your financial aid counts);
- Have a social security number. If you are a DACA recipient, you can use the SSN assigned to you to apply;
Applications will then ask for other basic information such as your residence, birthdate, and more. Note that some banks may require that you have a co-signer. A co-signer is someone who becomes responsible for your debt if you cannot pay it back. If you miss your credit card payments, then the co-signer begins to be charged and becomes liable for the debt.
After submitting an application, you will know if you got approved or not within a few business days. Some cards let you know if you got approved instantly!
Q: How do I get a credit card?
The first step is choosing a credit card to apply to. Because we are not financial experts, we cannot recommend specific cards; however, there is plenty of information available online. Some cards are specifically designed for college students. While your credit limit may be lower, it will have more advantages for college students such as easy approval or no yearly charges.
Google, “best credit cards for college students,” and choose according to what you think is best! Remember that this is a huge financial decision and can impact you negatively if you get rejected. First, make sure that you can prove you have access to financial aid. A work-study or part-time job will always be a plus! If you have not worked for a few months anywhere, you should wait until you have a longer history of income. Credit cards are a safer option for people who have been working for at least a year or two.
Follow the links below for more resources on credit cards! Please remember that we at the Let’s Go team are not financial experts. More individualized advice is required by experts.
College Success |
By
MONICA AGUILERA
Boba-drinking, Zelda-playing, Horror-watching brown girl from Oaxacalifornia.
As students and educators go online, the digital divide between low income, BIPOC students, and other students has never become more apparent. According to a 2019 report by the Public Policy Institute of California, only ¨between 54% and 67% of low-income, rural, African American, and Latino households had broadband subscriptions in 2017, compared to 74% for all households¨. This means there are students without any internet connection to access their school work. In addition, in many of these cases, there is also no home computer, and if there is, it is being shared by multiple people.
California, however, has stepped in to make online learning accessible to everyone. About 56,700 laptops and 94,000 hotspots have been sent to districts across the state so far and the California Department of Education announced that it will be granting $5 million to local districts to purchase 20,000 more devices or hotspots. This will be a huge beneficiary to Black and Latinx students specifically in rural areas who typically lack this access even before the virus.
If you or someone you know needs internet access or an electronic device as we go digital, below are some resources you can access. In this list, you can find different internet providers that have lowered their cost for students, along with where you can find low-cost computers. In addition to these resources, feel free to contact your college to see if they have a loaner program for students regarding laptops or other electronic devices. You deserve all the tools to have a successful semester!
Human-I-T
Human-I-T believes that through social entrepreneurship, opportunities are created for our world to become more inclusive, sustainable, and bold. We inspire and empower people through technology and information to achieve their full potential. This isn’t just our mission. It’s our purpose.
Low-Cost Internet, Affordable Computers, Free Digital Training – Download flier here
Other reduced-cost or free internet access:
Information on low-cost computers:
Northern California: in English and Spanish
Southern California: in English and Spanish
