4 Places to Find Last-Minute Scholarships

Check your college financial aid office, your employer and local organizations for last minute scholarships.
Anna Helhoski
By Anna Helhoski 
Updated
Edited by Des Toups
last-minute-scholarships

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

MORE LIKE THISLoansStudent loans

You may be able to find scholarships to college even if you waited until the last minute.

Here are four resources to find a scholarship to help pay for college before classes begin.

Student loans from our partners

Sallie Mae Undergraduate Student Loan logo
Check Rate

on Sallie Mae

Sallie Mae

4.5

NerdWallet rating 
Sallie Mae Undergraduate Student Loan logo

4.5

NerdWallet rating 
Fixed APR 

4.5% - 15.49%

Min. credit score 

Mid-600's

Check Rate

on Sallie Mae

College Ave Private Student Loan logo
Check Rate

on College Ave

College Ave

5.0

NerdWallet rating 
College Ave Private Student Loan logo

5.0

NerdWallet rating 
Fixed APR 

4.07% - 15.48%

Min. credit score 

Mid-600s

Check Rate

on College Ave

Ascent Private Student Loan logo
Check Rate

on Ascent

Ascent

5.0

NerdWallet rating 
Ascent Private Student Loan logo

5.0

NerdWallet rating 
Fixed APR 

4.09% - 15.71%

Min. credit score 

Low-Mid 600s

Check Rate

on Ascent

1. Your college's financial aid department

Contact your school’s financial aid department to find out if any institutional scholarships are left. There may be money left behind from a student who decided not to attend. Or a financial aid department may have inside information on available award opportunities.

At the University of San Francisco, Christopher Simpson, associate director of the school’s financial aid and veteran student services, recently heard from an administrator at the East Bay College Fund. The nonprofit couldn’t find a recipient that fit its scholarship’s profile: a student from Southern California attending a school in Northern California and not living on campus.

“By chance, I had a student who I could pass along the resource to,” says Simpson.

2. Your employer or your parents' employer

Ask your parents if their employers have scholarships available. One in 10 companies has employer-sponsored scholarship programs for members of their employees’ families, according to the 2018 Survey of Benefits by the Society for Human Resource Management, a trade association.

If you’re working yourself, even part-time, find out if there is a scholarship program for employees.

3. Scholarship search engines and contests

Find late-deadline scholarships using search engines like the U.S. Department of Labor’s CareerOneStop scholarship finder, College Board Big Future scholarship search tool, Scholarships.com, FastWeb, FinAid and Peterson’s. You can filter by due date or find ones that accept applications year-round. You may also search for scholarships on social channels, using hashtags.

Monthly scholarship contests may pop up on search engines, too. They’re simple to enter and often don’t require an essay. Typically, awards are around $1,000.

Never enter a contest or apply for a scholarship online if you’re required to submit money or private information, like your Social Security number; that may signal a scam.

4. Local organizations

Find organizations in your hometown that award scholarships. These tend to be less competitive than national awards because recipients usually must be local. Start by inquiring with your high school’s guidance office or college career center to find community-based scholarships that have gone unclaimed.

“Local organizations often won’t have a recipient, so they’ll extend their deadline and they don’t always advertise that,” says Jennifer Horner, director of financial aid at Eastern Connecticut State University in Windham, Connecticut.

Reach out to community organizations, foundations and charities in your hometown or state to find out if they have scholarships still available. On scholarship search engines, you can usually filter awards by geographic location to find nearby awards.

You can also look for career- or major-related scholarships through professional associations and national student organizations. These may be tougher to get at the eleventh hour, but are still worth a shot.

Get your ducks in a row

To make the late-scholarship-application process easier, polish your resume and have a basic essay template on hand. The template should include information about yourself, why you’re attending school and why you need the money.

“If you can have those things on hand, in your mind or written down somewhere, then in most cases you've got most of your essay done and you’re just tying it back to the objective of that particular organization,” says Simpson.

What to do when you get a scholarship

Once you receive a scholarship award, contact your school’s financial aid office. Scholarship money is factored into your entire aid package. If you receive more gift aid than your determined financial need, it can impact need-based aid you receive and may even reduce institutional scholarships you’ve already been awarded.

If you have student loans, a scholarship can help you lower how much you need to borrow. Ask your financial aid office about returning loan money that could now be covered by your scholarship.

Make a scholarship plan for next year

Plan ahead to apply for scholarships to pay for the spring semester or the next academic year. Apply for renewable and large-dollar scholarships to reap the biggest benefits. Track upcoming deadlines so you won’t have to scramble for last-minute awards next year.

This article was written by NerdWallet and was originally published by The Associated Press.

Get pre-qualified in just 3 minutes with Credible
Check multiple student loan lenders to get accurate, pre-qualified rates with no impact to your credit score.

Powered by

Spot your saving opportunities
See your spending breakdown to show your top spending trends and where you can cut back.