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4 Myths About Athletic Scholarships

Bruce Mesa Sr. knew a football scholarship could be a possibility when recruiters started visiting to see his son play as a junior at Catholic Memorial High School in Waukesha, Wisconsin.

An offensive lineman, Bruce Mesa Jr. was one of the few in the school’s history to play all four years on the varsity team.

Mesa Sr. knew his son wasn’t going to play for a NCAA Division I school — at 6’2″ Mesa Jr. didn’t have the height — but by focusing on smaller colleges, Mesa Jr. received some generous scholarship offers.

“He got a very handsome offer from St. Xavier,” Mesa says, adding that St. Xavier University‘s estimated cost of attendance is more than $45,000 per year. “He had to take out a Stafford loan for $5,500. They paid the rest, but you do still have to pay a portion.”

Athletic scholarships are rare. Only about 1 to 2 percent of undergraduate students in bachelor’s degree programs receive these awards, says Kathryn Randolph, contributing editor at FastWeb, an online scholarship matching and search service. But the amount athletes receive is about $1 billion a year, she says.

[Explore the ins and outs of getting an athletic scholarship at Division I schools.]

One of the biggest misconceptions among prospective student athletes and their families is that everyone gets a full ride, says Joe Leccesi, head recruiting coach manager at Next College Student Athlete.

Here are four myths and the truths about athletic scholarships.

Myth 1: Everyone on an athletic scholarship gets a full ride. Only some sports offer full-ride scholarships. These are called “head count” sports, Leccesi says. In the NCAA, these include only football for Division I-A and basketball for Division I.

For instance, an NCAA Division I Football Bowl Subdivision team is allowed 85 scholarships per year for 85 athletes. These cannot be divided among more athletes, Leccesi says.

For women, basketball, volleyball, tennis and gymnastics offer full-ride scholarships.

All other sports are called “equivalency” sports, which means the available scholarships for each team can be divided among players. There are no restrictions on how many athletes can be on scholarship, and the allotted number of awards can be divided in whichever way the coach chooses, says Leccesi. This includes all other Division I sports and all NCAA Division II sports, NAIA sports and junior colleges.

Myth 2: Scholarships are only available for football, basketball and baseball. Partial scholarships are available for everything from golf to water polo to rowing.

Lecessi says students should weigh a partial athletic scholarship against other financial aid offers. They may actually receive more financial aid from a school with a large endowment that can offer merit-based scholarships.

“Sometimes even when you get an athletic scholarship, it’s not going to be your best financial offer,” he says.

[Discover these college scholarships for lesser-known sports.]

Myth 3: You have to be able to play at the Division I level. Although NCAA Division I schools may be among the most prominent ones to offer athletic scholarships, talented student athletes can look to Division II, junior colleges or other conferences for scholarship offers.

Mesa Sr. says his son found he got a more lucrative offer from St. Xavier, which is in the National Association of Intercollegiate Athletics.

He says that an NCAA school “may tell you they want you to come play football, but they may only offer you 10 percent of your tuition and room and board.”

Division III schools do not award athletic scholarships, but they do grant other forms of financial aid, Randolph says. Often, schools will take into account extracurricular activities, such as sports, when awarding merit scholarships, she says.

“These Division III schools have athletic teams, and they do want good players on their teams,” she says. “They do take into account if a student is a student athlete, and they’re looking to recruit them to come to that Division III school.”

[Learn more about esports college scholarships.]

Myth 4: You don’t need good grades for a college scholarship. When students sign a letter of intent to play at a school, Randolph says there will frequently be stipulations attached, such as maintaining a minimum GPA and good conduct. Randolph advises students to be aware of what they’re committing to before they sign a letter of intent.

Mesa Sr. says it was clear that grades during the recruiting process and then for maintaining a scholarship were important to interested colleges. “It’s a job,” he says.

“They’re paying for your education. They’re paying for your food, room and board and everything else. Something is expected of you. You’re going to go out and perform on the football field, but you’re also going to be a person of character. You’re going to be a good ambassador of the school.”

Trying to fund your education? Get tips and more in the U.S. News Paying for College center.

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4 Myths About Athletic Scholarships originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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