There are many sources of scholarships. Work closely with your high school guidance counselor. Fill out and submit the Free Application for Federal Student Aid (FAFSA); your child may be eligible for federal grants and loans. Colleges or universities that accept your child will consult the FAFSA and may offer a scholarship as part of the admissions package.

Contact business, civic, or religious groups in your community to see what's available. Apply for as many as possible. These can really add up, and remember, you'll never get anything if you don't apply.

There are sources that students should look into when trying to locate additional scholarship or grant money. One is The Scholarship Book: The Complete Guide to Private-Sector Scholarships, Grants, and Loans for Undergraduates (Daniel J. Cassidy). This book lists thousands of private-sector scholarships, grants, loans, fellowships, internships, and contest prizes. Students should also contact the colleges and universities that they are interested in to see what types of assistance programs they offer to students. In addition, there are many Internet sites related to scholarship searches.