In 2026, the traditional college degree is only half of the equation. As AI reshapes the workforce, employers are no longer just looking at your GPA—they are looking for applied experience. An internship is no longer a “summer extra”; it is a 10-week-long job interview that can define your career trajectory. But what you might not know is that MANY college internships are PAID, putting money in your pocket that you can use to help pay for college! It’s truly a win-win! Whether you are aiming for a Fortune 500 powerhouse or a high-impact local startup, with this guide, you’ll discover how to find paid internships in 2026, even in today’s competitive job market.
Why Internships Are Key to Career Success
Internships are the most effective bridge from the classroom to a high-paying career. But given current economic challenges and and uncertain job market, it’s not easy to find paid internships in 2026. That’s why these success strategies are so important.
Direct Pipelines
Over 70% of interns at major firms receive full-time return offers.
Skill Validation
Internships prove you can handle professional tools (like AI-driven project management and remote collaboration) that aren’t always taught in school.
The Salary Bump
Students with two or more internships on their resume see an average 32% higher starting salary than those with none.
When Should Students Begin Their Internship Search?
Timing is everything. For Summer 2026 roles, the window opens sooner than you think:
High Finance, Tech, & Consulting
Recruitment sometimes begins as early as August for the following year; however, students are often successful at landing summer or fall internships as long as they prioritize searching for them in January / February of the current year. Which means that you should be searching for internships right now.
General Corporate & Creative
Peak search time is January through March for summer or fall internships.
The “Golden Rule”
Start your search at least 6–8 months before your intended start date.
How to Find Internship Opportunities
Don’t limit yourself to a single search bar when you are trying to find paid internships in 2026. Use a multi-channel approach to bypass the “AI filters” used by major sites.
Digital Platforms
Handshake
The #1 tool for college students; it connects your university directly with recruiters.
LinkedIn & Indeed
Great for volume, but use the “Posted in the last 24 hours” filter to stay ahead.
WayUp & Chegg Internships
Specialized platforms for early-career talent.
On-Campus Resources
Campus Career Center
Your college career center is staffed with a team whose entire job is to help you how to find paid internships in 2026! If you aren’t well-connected with your campus career center, you’ll missing out on services that can make or break your early career success.
Faculty Members
Your professors are industry experts who likely can suggest companies that have hired other students, whether for internships or regular positions. So become a frequent visitor during professor office hours, and take advantage of the networking relationships that your professors have built. Don’t wait for a professor to recommend you to a particular company. Ask for that recommendation and contact information so you can pursue those opportunities directly and start building your own network.
Alumni and Current Upperclassmen
Network with alumni and upperclassmen in your major. Ask them for recommendations for where you might find internships. Who knows? They might be able to connect you with one of their contacts to help ease your path from search to hire.
Major Employers Offering Paid Internships in 2026
If you are looking for high pay and structured mentorship, these “Gold Standard” employers lead the pack:
Technology and AI
Industry-leading pay + housing stipends.
Finance
The fastest path to a six-figure starting salary.
Engineering
Hands-on experience with cutting-edge hardware.
Retail / Corporate
Diverse roles in marketing, supply chain, and HR.
Finding Local Paid Internships: The “Hidden” Market
Not every great role is in Silicon Valley. Local internships offer lower competition and higher community impact.
Chamber of Commerce
Check your local directory for mid-sized firms that need fresh talent.
Municipal Government
Cities and counties hire paid interns for everything from data analysis to urban planning.
University Research Parks
Look for startups located near your campus for flexible, paid “Co-op” roles.
Strategies for Peaking Interest from Hiring Managers
In a sea of thousands of applicants, you need to stand out. Keep these strategies in mind when you are trying to find paid internships in 2026
The 24-Hour Rule
Apply to new postings within a day to be at the top of the recruiter’s inbox.
The Portfolio Link
Even for business roles, include a link to a “Featured” project on your LinkedIn or a Google Drive.
The “AI-Plus” Strategy
Use AI to help draft your resume, but manually add specific achievements that only a human could write.
Your Internship Search Toolkit
To win in 2026, your application cannot look like a template. You need a “digital identity” that proves you are ready for a professional environment. Here are the essential materials and the AI tools to help you build them.
The “Master” vs. “Targeted” Resume
The Master Resume
A 2-3 page document containing everything you’ve ever done. This is for your records.
The Targeted Resume (The One You Send)
A 1-page document tailored to the specific job description.
AI Boost
Use tools like Jobscan or Rezi to compare your resume to the job description. It will tell you exactly which keywords you are missing to pass the initial AI screen.
Dynamic Cover Letter
The era of the “Generic Cover Letter” is over. Every letter must answer: Why this company? and Why now?
AI Boost
Use Claude, Gemini, or ChatGPT to assist with the structure.
The Prompt Strategy
“Here is my resume and here is a job description for [Role]. Write a cover letter draft that connects my experience in [Specific Skill] to their need for [Specific Requirement]. Keep the tone professional but energetic.”
Pro Tip
Always edit the AI output! Recruiters are adept at spotting AI writing, so make sure you personalize and customize your cover letter.
Your LinkedIn Profile
In 2026, recruiters will Google you before they call you. Your LinkedIn is your landing page.
Profile Photo
Choose a professional-style head and shoulders portrait of yourself. Avoid selecting a “selfie-style” photo or a picture of yourself in cap and gown. If you don’t have a suitable photo to use, ask someone to take some photos of you and then select one that works for LinkedIn.
Headline
Don’t just put “Student.” Customize your headline, targeting what you are currently pursuing. Example: “Aspiring [Role] | [Major] at [University] | Specializing in [Skill 1] & [Skill 2].”
Featured Section
Upload PDFs of your best class projects or a link to your portfolio.
About Section
Write this in the first person. Tell a brief story about why you chose your field. Incorporate your skills and experience that are most relevant to the internships you are pursuing.
Education Section
Include all colleges / trade schools attended, especially if you have earned degrees or certificates from those programs.
Experience Section
Include all paid and unpaid work experience in this section, listing the most relevant work experience first, followed by unrelated work experience after. For example:
If you are a graphic design major, and interned at a marketing agency last year, but are currently a Barista at Starbucks, then you’ll want your marketing agency internship to be listed first, followed by Starbucks.
AI Tools to Supercharge Your Search
AI isn’t just for writing; it’s for search automation and market research. In fact, AI tools are key when you are trying to find paid internships in 2026
Perplexity AI
Use this for deep company research. Ask: “What are the biggest challenges [Company Name] is facing in 2026?” Use the answer to impress them in your cover letter.
Loop CV / Teal
These platforms help you track your applications, manage different versions of your resume, and even automate the submission process for certain roles.
Grammarly / Hemingway
Use these to ensure your tone is confident and free of the “passive voice” that often weakens student applications.
Checklist Before You Apply
Interview Strategies for 2026
Virtual Interviews
Today, many hiring processes begin with one or more virtual interviews. Even though you may feel familiar with common tools and software used, it’s important to plan ahead for virtual interviews. Here are some key tips”
Mastering In-Person Interviews
In 2026, being invited to an “on-site” interview is a significant signal—it means you are likely in the top 3-5 candidates. At this stage, they know you have the skills; they are now checking for presence, soft skills, and culture fit.
Interview Attire
Dress codes have shifted, but “dressing up” for an interview still signals respect. Always dress one level above the daily office attire. If they wear t-shirts, you wear a polo or blouse. That said, recommended interview attire depends on the industry:
Finance/Law
Full business professional (Suit jacket/blazer with slacks; skirt/dress/slacks with blouse/blazer, etc.)
Tech/Creative
Business casual (Slacks and a polished shirt/sweater; perhaps a blazer without a tie).
What to Bring to Your In-Person Interview
Even in a paperless 2026, having physical materials shows a level of preparation that digital-only candidates lack.
Resume and Portfolio Materials
A Professional Notebook
Take manual notes. It shows you are actively listening and value the information they are sharing.
A “Cheat Sheet”
It’s okay to have a few pre-written questions in your notebook to refer to at the end. Only ask questions that haven’t been answered already during the course of the interview.
Interview Arrival Planning
The “First 5 Minutes” Rule
The interview begins the moment you step onto the company property, even before you walk in the door.
Lobby Etiquette
Be exceptionally polite to the security guard and receptionist. Recruiters often ask the front desk, “How did they act while waiting?”
Arrival Time
Arrive exactly 10 minutes early. Any earlier and you disrupt their schedule; any later and you’ve already failed the reliability test.
Body Language & Energy
In a world of Zoom fatigue, high-quality in-person energy is a competitive advantage.
The Handshake/Greeting
A firm handshake (or a professional nod depending on regional culture) and a genuine smile go a long way.
Posture
Sit upright and lean slightly forward to show engagement. Avoid crossing your arms, which can appear defensive.
Eye Contact
Maintain eye contact the best you can, even if you are nervous. It builds trust and shows confidence in your answers.
Interview Strategies
The “STAR+L” Method
Prepare for interview questions that align with the Situation, Task, Action, Result (STAR) method, and use the STAR + Learning (L) method when responding to those questions. What does this look like in practice? Describe a situation you were in, detailing your tasks / challenges, describe the actions you took, what the results were, and what you learned from the experience.
Ask Smart Questions
Ask questions that show you’ve already done your homework about the company and the role you’re pursuing. Questions where answers could easily be found on the company website should be avoided.
Also – avoid asking about compensation, benefits, time off, etc. These kinds of questions are premature in an interview setting when you are applying for internship opportunities. The interviewer might feel that you are more interested in what you’ll gain financially from the opportunity rather than what you’ll learn, and what you’ll contribute to the company. Should you be offered the role, you can discuss pay and benefits at that time, if the internship is designated as a paid opportunity.
Conclusion
When you are trying to how to find paid internships in 2026, you’ll need to leverage a mix of early timing, strategic networking, and a results-driven resume. By targeting both major national employers and local gems, you maximize your chances of success. And before you know it, you’ll not only have landed an internship; you’ll also be primed and ready to apply for paid positions in your field as you approach college graduation.
Ready to fund your education while you build your career? Start your free 7-day trial at www.ScholarshipOwl.com to find scholarships to cover college costs so you can focus on preparing for your dream career!
The post How to Find Paid Internships in 2026: Land Your Dream Role appeared first on ScholarshipOwl.
For twenty years, the federal Grad PLUS loan served as a financial safety net, allowing graduate students to borrow up to the full cost of attendance to pursue their dreams. However, that era is coming to a close. With the passage of the “One Big Beautiful Bill Act” (OBBBA), the federal government is moving away from unlimited lending toward a system emphasizing fewer loan repayment options and loan caps.
As these changes loom for the 2026–27 academic year, ScholarshipOwl surveyed over 22,000 students to gauge how these limits will reshape their futures. The results are a sobering look at a generation of students who may be forced to choose between their career aspirations and their financial survival.
Decoding the “One Big Beautiful Bill Act”
Signed into law on July 4, 2025, the OBBBA introduces strict limits on federal borrowing to curb rising tuition and national debt. While undergraduate limits remain stable, the graduate landscape is fundamentally changing:
Grad PLUS Loans Are Phasing Out
Grad PLUS Loans will no longer be available to new borrowers starting July 1, 2026. New graduate students will still be able to borrow federal unsubsidized student loans; however, Grad PLUS Loans will not be an option. Existing graduate students will have access to both Grad PLUS Loans and unsubsidized federal student loans until June 30, 2028.
Loan Caps for “Standard” Graduate Programs
For most master’s and doctoral degrees, federal borrowing is now capped at $20,500 annually and $100,000 lifetime, not including undergraduate student loans.
The “Professional” Distinction
The Department of Education has designated a select group of “professional” programs—including Medicine (MD/DO), Law (JD), and Dentistry (DDS/DMD)—for higher caps of $50,000 annually and $200,000 lifetime, not including undergraduate student loans. While these caps are higher, the costs of these programs often exceed these higher caps, which will necessitate private loan borrowing for many of these students.
The Total Ceiling
A new total lifetime limit of $257,500 now applies to all combined undergraduate and graduate federal borrowing.
The “Professional Degree” Controversy
The Trump Administration’s recent rulemaking has sparked intense debate. By excluding critical fields like Nursing, Physical Therapy, and Mental Health Counseling from the “professional” designation, the Department has effectively categorized these high-cost, high-impact careers as “standard” graduate degrees. This means a student pursuing a Master of Science in Nursing (MSN) or a Doctorate in Physical Therapy (DPT) will face the same $20,500 annual limit as a student in a lower-cost humanities program, despite the significantly higher tuition typical of clinical healthcare training.
Some of the programs of study expected to be designated as “standard” degrees include:
Due to the high cost of many of these programs of study, there is concern that fewer students will be able to pursue graduate education in these fields. Given our aging population, the declining birthrate, and the shortage of healthcare professionals, the possibility that these loan caps will prevent students from pursuing graduate degrees in healthcare is particularly concerning.
Who Participated in the Survey?
Between December 03, 2025 and January 18, 2026, ScholarshipOwl surveyed 22,646 high school and college students on the ScholarshipOwl scholarship platform to find out more about how students pursuing a master’s degree or a doctorate will be impacted by the “One Big Beautiful Bill Act.”
Among the respondents, 60% were female, 39% were male, and 1% identified themselves as a different gender identity or preferred not to respond to the question. Half (50%) were Caucasian, 19% were Black, 18% were Hispanic/Latino, 6% were Asian/Pacific Islander, 2% were American Indian/Native American and 6% selected “other” or preferred not to respond to the question.
Over half (57%) of the respondents were high school students, with the overwhelming majority high school seniors; nearly one-third (32%) were college undergraduate students, primarily college freshmen and college sophomores; 7% were graduate students and 4% identified themselves as adult/non-traditional students.
Question 1: How will the new federal student loan caps established by the “One Big Beautiful Bill Act” impact your academic or career plans?
Amongst the respondents, nearly half (48%) said the legislation will have significant impact on their grad school plans, stating it is unlikely they would be able to afford grad school, and that they may need to change their plans. More than one-third (36%) said that the legislation may impact them, but they aren’t sure if they plan to go to grad school. Less than one-fifth (12%) said that the legislation is unlikely to impact them, as they expect their grad school costs will fall under the loan cap. Less than one-fifth said that the legislation won’t impact them because they either aren’t planning to pursue education beyond a bachelor’s degree (9%) or that they are currently enrolled in a graduate education program (2%) so the legislation won’t apply to them.
Question 2: Are you considering one day obtaining a master’s degree OR a doctoral degree in any of the following fields? Select all that apply.
The listed fields of study are currently expected to fall under the “standard” loan caps, as the Trump Administration deems them to not be considered a “professional program” that would enable students to borrow larger amounts for their education.
Nearly three-quarters (71%) of respondents said that they are considering pursuing graduate education in one or more of the listed fields. More than one-third (37%) are considering earning a graduate degree in a healthcare field, and nearly one-fifth (19%) are interested in a graduate degree in a business / finance field. The remaining respondents are interested in a graduate degree in engineering (13%), education (9%) or architecture (3%). Here is the full breakdown:
Healthcare Fields
Business / Finance Fields
Other
Question 3: Which of the following outcomes do you think are most likely for the above programs deemed as “non-professional,” with federal loans capped at an aggregate maximum of $100,000?
Most respondents expressed multiple concerns for what might happen to these programs, as well as the students interested in pursuing them.
More than two-thirds (68%) predicted that fewer people will enter the listed professions.
Nearly half (45%) said that students will prioritize scholarships to help pay for grad school, while an even greater number (48%) said that students interested in these careers will turn to private loans to cover costs beyond the federal student loan cap. More than half (52%) said that students will delay attending grad school to work and save to help cover costs.
Respondents also were concerned about the impact on colleges, with nearly half (43%) saying that colleges may cut these programs due to low enrollment caused by the loan caps, and nearly one-fifth (18%) said that they think that some colleges will close entirely as a result.
About one-quarter of students (28%) are hoping for some positive outcomes, with 18% saying that some colleges may lower the cost of these programs to attract students, and 10% saying that employers may help pick up the slack and contribute to paying for their employees’ education to help them obtain an advanced degree.
The Looming Talent Gap
The survey results highlight a disconnect between federal policy and student reality. With 71% of respondents considering degrees in fields now subject to the lower “standard” cap, the “One Big Beautiful Bill Act” could inadvertently create a national workforce crisis.
Key Takeaways & Outcomes
Healthcare in Jeopardy
37% of students surveyed are eyeing graduate healthcare roles. If federal loans cover only a fraction of their tuition, we risk a “brain drain” in nursing and therapy—fields already reeling from historic shortages.
The Shift to Private Debt
48% of students expect to turn to private loans. Unlike federal loans, private lending lacks income-driven repayment safety nets and often requires a co-signer, potentially shutting out first-generation and low-income students.
Scholarships as a “Must-Have” Strategy
Nearly half (45%) of respondents stated they will now prioritize scholarships as their primary method to bridge the funding gap. With federal limits effectively “starving” high-cost programs, students are shifting their focus away from loans and toward merit- and need-based aid to ensure they can finish their degrees without insurmountable debt.
Institutional Instability
With 43% of students predicting program cuts, smaller colleges that rely on graduate enrollment may face a “death spiral” as students flee to more affordable or better-funded institutions.
A New “Gap Year” Culture
52% of students plan to delay grad school to save money. While fiscally responsible, this delay slows the entry of new professionals into the economy at a time when the “Silver Tsunami” of retiring Baby Boomers requires an immediate influx of skilled labor.
Additionally, it is anticipated that students that initially plan on taking a “gap year” might end up not pursuing their graduate studies at all due to work and family responsibilities that pull them further away from their education and career aspirations.
A Call for Strategic Planning
The “One Big Beautiful Bill Act” was designed to bring fiscal discipline to higher education, but our survey shows it may be bringing a “freeze” to student ambitions. As the July 2026 deadline approaches, the burden of funding is shifting from the government back to the individual and the private sector.
For students, the message is clear: the era of “borrowing whatever it takes” is over. Success in the OBBBA era will require a multi-pronged strategy: aggressive scholarship hunting, employer tuition assistance, and a careful evaluation of the ROI for every credit hour.
At ScholarshipOwl, we remain committed to helping students bridge this new funding gap. The rules of the game have changed, but the goal remains the same: an education that empowers your future without shackling your finances. Whether you are a high school student, college undergrad or graduate school student, we have plenty of scholarships available for you on the ScholarshipOwl platform! Start your free 7 day trial at www.ScholarshipOwl.com!
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In recent years, the conversation around higher education has shifted. While the traditional four-year university path is still a mainstay, there has been a massive surge in interest in certificate programs, bootcamps, and two-year associate degrees, leading to a career in the trades. In fact, undergraduate certificate programs saw a nearly 5% increase in enrollment this past year, and “high vocational” public two-year colleges saw a staggering 13.6% jump in enrollment in 2024—the second year of double-digit growth.
As more students pivot toward these career-focused pathways, a common question arises: “Is there financial aid for this?” Many students mistakenly believe that federal financial aid and scholarships are reserved for those heading to big-name universities. The reality? Financial aid and scholarships for trade schools and community colleges are a vital tool for making these programs accessible for everyone.
What Exactly Is a Certificate or Two-Year Degree?Before diving into funding, it’s important to understand what you’re signing up for. Many students are surprised to learn that these programs aren’t just “shorter versions” of a university degree—they are actually built differently for students interested in a career in the trades OR for students interested in upskilling for career advancement.
Career Education (CE)Many trade school and community college programs focus on “Career Education,” which prioritizes hands-on learning. Instead of sitting in a lecture hall for four years, you are in a lab, a shop, or a clinical setting, working with the actual tools of your trade for much of your time spent in school. This direct work-based learning experience makes graduates highly attractive to employers who need people who can do the job on Day One. These programs typically culminate in either an associate degree or certificate. This creates a fast-track to a high-paying career in the trades.
Associate Degree (2 Years)A traditional four-year degree usually consists of two years of general education (math, history, English) and two years of major-specific courses. In a two-year associate degree, you typically complete one year of general education and one year of major-specific credits. This is perfect for students who want to enter the workforce quickly but also want the option to transfer those credits to a bachelor’s degree either right away, or later on after they have worked in their field.
Certificate (Short-term)Certificate programs strip away the general education requirements entirely. You spend 100% of your time on classes related to your career goal. Certificate programs are designed for students who want to get trained and go to work immediately, often in under a year. They are also an outstanding option for working adults who want to upskill for advancement in their current career OR who want to get trained in an entirely new career.
Which Is Best? A Community College or a Private Trade School?Both community colleges and private trade schools are great options for a career in the trades. Which is best for you depends on your academic and career goals, budget, and other factors such as location, flexibility of class schedule, etc.
Advantages of Community College ProgramsCommunity colleges are low-cost, and are located right in your community, enabling you to live in your current home and commute to school. These colleges offer a wide variety of programs, but be aware that not all programs are at all community colleges. As such, once you know which program interests you, you’ll need to find out if a nearby community college offers it.
One big advantage of community colleges is that they often partner with local employers as well as in-state public universities. The programs are typically structured in a way that targets local workforce needs while also simultaneously creating a transfer pathway for those interested in transferring to obtain a bachelor’s degree. Additionally, community colleges also offer certificate and degree programs in the arts and sciences as well as career education, enabling you to change majors or career interests without changing colleges.
For students who want to have greater options, flexibility, convenience and a low cost, a community college is an outstanding choice for a career in the trades.
Advantages of Private Trade School ProgramsPrivate trade schools tend to be more expensive than community colleges. This can deter prospective students from attending; however, there are some positives about these programs. Sometimes the career you’re interested in simply isn’t taught at a community college near where you live, but a private trade school might be within commuting distance.
Trade schools tend to be smaller and more focused on just a few career paths. It may be exciting to attend college with students who are all interested in pursuing your same career path. This can make it easier to build friendships as well as spur networking opportunities. On the other hand, if you really want more of a “college experience,” a community college may be a better choice for you, as a community college will have a larger campus, indoor and outdoor gathering spaces, clubs and events for social engagement, and more.
Similar to community colleges, private trade schools partner with industry associations and employers to help structure their programs as well as to help graduates obtain employment. When considering a private trade school, focus on programs that offer internship opportunities with area employers as well as a high training-related job placement rate for recent graduates of the program. This can make a huge difference when pursuing a career in the trades.
Be aware that credits earned at trade school programs may not be accepted as transfer credit to other institutions. As such, if you feel that you may want to change schools or change majors at some point, or that you may want to obtain further education later on, it’s best to attend a community college with clear transfer pathways rather than a private trade school.
Certificate or Associate Degree Career PathsBecause career education programs focus on specialized skills, they can launch you into high-demand, high-paying fields faster than a traditional degree. Here are some of the most popular career education pathways for 2026:
HealthcareThis remains the largest growth sector for two-year graduates, driven by an aging population and a focus on preventative care.
Dental Hygienists: Professionals in this field perform cleanings and exams, earning a mean salary of $94,260.
Diagnostic Medical Sonographers: These specialists operate ultrasound equipment to create internal images, with a mean salary of $89,340.
Registered Nurses (ADN): Entering the field with an Associate Degree in Nursing (ADN) allows you to start practicing sooner, with a mean salary of approximately $80,660.
Radiation Therapists: A highly specialized role that often only requires an associate degree, earning a mean salary of $101,370.
Technology & CreativeYou don’t need four years to code or design.
Information Security Analysts: Crucial for protecting data, these roles earn a mean salary of $118,070.
Web Developers & Digital Designers: With an associate degree or certificate, the mean salary is roughly $72,821, with top earners in tech hubs exceeding $100,000.
Graphic Designers: Those with an associate degree see a mean salary of approximately $55,218.
Skilled Trades & Green EnergyThese are some of the most “AI-proof” jobs available, often requiring only an associate degree or vocational certificate.
Electronics & Robotics Technicians: As automation booms, these specialists earn a mean salary of $72,430, with experienced techs in high-tech hubs reaching $105,000+.
Engineering Technicians: Those working in civil, mechanical, or industrial engineering tech earn a mean salary of $75,290.
Auto Mechanics: With the rise of complex EV systems, specialized technicians earn a mean salary of $51,940, though top-tier master techs at dealerships often exceed $100,000.
Construction Trades: Skilled professionals like Electricians and Plumbers are seeing a surge in pay, with mean salaries reaching $65,000–$85,000 as the industry competes for talent.
Wind Turbine Technicians: One of the fastest-growing roles in the US, with a mean salary of $62,580 (and up to $94,000 in states like California).
Solar Photovoltaic Installers: These key players in the green energy boom earn a mean salary of $78,666.
Specialized Technical RolesHigh-stakes roles like Air Traffic Controllers (mean salary ~$144,000) and Radiation Therapists (~$101,000) often require only a specialized two-year degree and certification.
Financial Aid and Scholarships for Community College and Trade School StudentsWhen launching your career in the trades, you can access financial aid and scholarships to fund your education.
Federal Pell GrantsFor undergraduate degree or certificate programs that are at least one year in length.
Workforce Pell GrantsCreated by the One Big Beautiful Bill Act, these expand Pell eligibility to short-term programs that are between 8–15 weeks in length. The legislation states that Workforce Pell Grants will be available starting in the 2026-27 school year.
State AidMany states offer grants or scholarships and/or “Promise” programs that may cover as much as 100% of tuition costs. Check your state to see what is available as well as the eligibility criteria.
Institutional AidColleges and trade schools have their own scholarship programs for their students. Some are need-based, and some are merit-based. To find out what you may qualify for, contact the school’s financial aid and scholarship office.
Scholarships Offered By Businesses and OrganizationsAll students have the opportunity to apply for scholarships offered by businesses and organizations. You may be surprised to discover that many of these scholarships don’t require you to be enrolled in a bachelor’s degree program. Most providers only ask that applicants be pursuing a degree or certificate program. So don’t skip applying for scholarships, or you’ll miss-out on debt-free funding for your education!
Dispelling the Scholarship MythOne of the biggest hurdles for students pursuing a career in the trades is the perception that “financial aid and scholarships aren’t available for me.” The data tells a different story:
High Award RatesAt many vocational and trade schools, between 75% and 80% of students receive some form of financial aid or scholarship awards!
Private Trade School BoomPrivate trade school enrollment is projected to grow by 6.5% annually through 2030, significantly outpacing the growth expected for traditional four-year universities.
Targeted FundingCorporations like DEWALT, Lockheed Martin, and Lincoln Tech are funneling millions into “Vocational” and “Technical” scholarship tracks to fill the nationwide skills gap.
Under-claimed FundsMillions of dollars in trade scholarships go unclaimed every year simply because students don’t apply!
Where to Find Your FundingFinding these opportunities doesn’t have to be a scavenger hunt:
The ScholarshipOwl Advantage: Your Fast-Track to FundingFor students in shorter-term certificate or associate programs, time is your most valuable asset. You don’t have months to spend on a “scholarship hunt.” ScholarshipOwl is designed to streamline that entire process, acting as a personal project manager for your financial aid.
Smart Matching and AI-Powered RecommendationsWhen you complete your profile on the ScholarshipOwl platform, we’ll match you to the scholarships best-fit for you! So many scholarship providers love to award scholarships to students pursuing an associate degree or certificate, so you’ll have plenty to apply for!
One Universal ApplicationOne of the biggest drains on your time is filling out repetitive information into multiple scholarship application forms, like your name, address, email address, phone number, your major, etc. etc. But with ScholarshipOwl, you won’t have to do that! We use your profile data to automatically populate applications so you can really streamline your process.
Focus on Low-Competition ScholarshipsOnly ScholarshipOwl shows you exactly how many other students on our platform have applied to each scholarship! Armed with this information, you can purposely focus on low-competition scholarships with fewer applicants so you can truly boost your chances of winning!
The AI Essay AssistantIf a trade scholarship requires a personal statement about your career goals, you don’t have to start from a blank page. The ScholarshipOwl AI Essay Assistant helps you generate a customized draft based on your profile. You can then refine it to tell your unique story, enabling you to apply to essay scholarships in a fraction of the time.
Credibility ScoresThe platform assigns a Credibility Score to every scholarship. This helps you to focus your time and energy on legitimate, high-quality awards from reputable businesses and trade organizations.
Innovative Ways to ApplyScholarshipOwl is always looking for opportunities to make it faster and easier for students to apply for scholarships! Did you know that with ScholarshipOwl, you can:
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As the calendar turns to the Spring semester, a familiar feeling often settles over classrooms: the mid-year fog. You’ve made it through the first half of the year, but you’re struggling to finish the school year strong.
If you find yourself staring at your textbook while your mind wanders to literally anything else, you aren’t alone. You’re experiencing the mid-year slump that all students encounter. At ScholarshipOwl, we want you to help you finish strong so that you can earn the grades you want, get into the colleges you’re targeting, and get the scholarships you’re applying for! But to do that, you’ll need to avoid distractions, re-focus, and do the work needed to achieve your goals.
Why the Spring Semester Feels Different
It’s important to realize that struggling to focus during this time is a universal experience. Whether you are a freshman just getting your bearings or a senior with one foot out the door, nearly every student hits a wall between January and May.
If you are feeling unmotivated, it isn’t a reflection of your intelligence or your potential—it’s often just a side effect of the academic cycle. The novelty of new classes has worn off, and the “long haul” of the second semester can feel like an uphill climb.
The Perfect Storm of Distractions
Why is it so much harder to focus now than it was in October? The Spring semester is packed with “academic kryptonite”:
The Weather
As the days get longer and warmer, sitting in a windowless library feels like a chore.
Major Milestones
Events like Prom, spring sports, and graduation ceremonies start to dominate the social calendar.
Senioritis
For high school seniors, the excitement of college acceptances can make current high school coursework feel “finished” before it actually is.
Spring Break
Having a week of freedom in sight makes it difficult to settle back into a routine once you return.
The Real Risks of Losing Focus
While the distractions are understandable, the consequences of letting your grades slip now can be long-lasting:
GPA Impact
A poor second semester can drag down your cumulative GPA, which is a key metric for college admissions and scholarships.
College Admissions
For juniors, these are the last grades colleges see before you apply. For seniors, a significant drop in performance (especially grades below a C) can actually lead to rescinded admissions offers.
Scholarship Stakes
Slacking off doesn’t just hurt your transcript; it puts your financial future at risk. A lack of motivation can lead to missed scholarship application deadlines, while a dip in academic performance might make you ineligible for merit-based aid or cause you to lose out on competitive awards that require a high GPA.
The “Hidden Cost” of Cutting Classes
It can be tempting to skip a class when the weather is nice, but the risks go beyond an attendance mark. Missing live instruction is a double-whammy: you aren’t there to hear the teacher’s specific tips for the exam, and you’ll spend twice as long later trying to teach yourself the material you missed.
Foundation Gaps
Many Spring subjects build the foundation for next year’s courses. Checking out now makes next September much harder.
Strategies to Re-Focus
You don’t need a total life overhaul to get back on track. Try these small shifts:
The 25/5 Rule
Use the Pomodoro technique—study for 25 minutes, then take a 5-minute break. It’s easier to focus when you know a break is coming.
The “Just Show Up” Commitment
On days when you really want to skip, make a deal with yourself to just get to the classroom. Often, the hardest part of avoiding “cutting” is the mental debate beforehand. Once you’re in your seat, the “FOMO” (Fear Of Missing Out) on vital exam hints disappears, and you’re much more likely to stay engaged.
Avoid Distractions
If you find that it’s hard to concentrate, make changes to your environment that improve your focus. Examples:
Audit Your To-Do List
Break large projects into tiny, manageable “micro-tasks” so you can check things off daily.
Streamline Your Scholarship Application Process with ScholarshipOwl
Applying for scholarships can feel stressful and overwhelming. One of the best ways to find your scholarship motivation is to utilize the ScholarshipOwl platform! ScholarshipOwl makes the entire application process faster, easier, and more likely to result in scholarship wins! If you aren’t yet a member of ScholarshipOwl, try it out with our free 7-day trial at www.ScholarshipOwl.com!
Navigating “Distracted” Friend Groups
It’s even harder to focus when your friends are also checked out. If your social circle is prioritizing hanging out over studying, try creating a Buddy System so you and your friends can finish the school year strong!
Instead of choosing between seeing your friends and doing your work, invite them to a “Productive Hangout.” Set a timer for one hour of silent work, and reward yourselves with a snack or a movie afterward. By tackling the slump together, you turn peer pressure into peer support.
When to Seek Extra Support
If you’ve tried to re-focus but find that you’re still falling behind or feeling overwhelmed, don’t wait until finals week to speak up. Reach out for help if:
You don’t understand the core concepts being taught in class.
Your anxiety about your grades is preventing you from starting your work.
You’ve fallen more than two weeks behind in assignments.
Talk to your teachers, a school counselor, or a tutor. They would much rather help you course-correct in March than try to save your grade in June.
You’ve Got This!
The finish line is closer than it appears. While the distractions of Spring are real, your ability to push through them is a skill that will serve you well for the rest of your life. Take a deep breath, tackle one assignment at a time, and remember: you have already done the hard work of getting this far. Finish the school year strong!
The post Beating the “Spring Slump”: How to Avoid Distractions and Finish the School Year Strong appeared first on ScholarshipOwl.
As the 2026-27 academic year approaches, the landscape of college financing continues to shift. Between legislative changes—such as the One Big Beautiful Bill Act—and the ongoing evolution of the FAFSA, students and families are navigating a complex financial environment. To better understand how the next generation of students is paying for college, ScholarshipOwl conducted a survey of over 24,000 students in December 2025.
The results offer a revealing look at the state of college affordability: while FAFSA completion remains high, a significant portion of students are finding that federal aid isn’t meeting their expectations, leading to heavy reliance on external funding sources including scholarships and student loans.
Who Participated in the Survey?
In December 2025, ScholarshipOwl surveyed 24,332 high school and college students on the ScholarshipOwl scholarship platform to find out more about how they will be paying for college.
Among the respondents, 60% were female, 39% were male, and 1% identified themselves as a different gender identity or preferred not to respond to the question. Nearly half (47%) were Caucasian, 22% were Black, 18% were Hispanic/Latino, 6% were Asian/Pacific Islander, 2% were American Indian/Native American and 6% selected “other” or preferred not to respond to the question.
More than half (55%) of the respondents were high school students, with the overwhelming majority high school seniors; more than one-third (34%) were college undergraduate students, primarily college freshmen and college sophomores; 7% were graduate students and 4% identified themselves as adult/non-traditional students.
Question 1: Have you submitted the 2026-27 FAFSA that opened in late-September yet?
Amongst the respondents, nearly two-thirds (65%) confirmed they had already submitted their FAFSA, while over one-quarter (28%) haven’t yet submitted the FAFSA, but still plan to do so. A small percentage (4%) do plan to attend college in the 2026-27 school year, but they don’t plan to submit their FAFSA. The remaining students (3%) won’t be attending college in 2026-27, and as such, they will not be submitting the FAFSA for that academic year.
Question 2: If yes, in your FAFSA submission summary, which of the following are you eligible for? Select all that apply.
A total of 15,755 students said that they had submitted the FAFSA, so only those students’ responses were incorporated into the results for this question.
College Funding That Must Be Repaid
Loans
It should be noted that ALL students who submit the FAFSA are eligible to take out federal student loans:
In addition, parents of students who submit the FAFSA are able to take out Parent PLUS Loans to help pay for college, as long as the borrowing parent can pass the required credit check. Be aware that beginning on July 01, 2026, there are new loan caps on Parent PLUS Loans:
College Funding You Don’t Have to Borrow
Grants
In addition to loan options, just over half (51%) of those who had already submitted their 2026-27 FAFSA said they were eligible to receive a Pell Grant.
A very small number of students (6%) indicated they were eligible for the Federal Supplemental Educational Opportunity Grant (FSEOG) which is available only to students with exceptional financial need.
Just 2% said they were eligible for the Teacher Education Assistance for College and Higher Education (TEACH) Grant, which is reserved for those pursuing a career in teaching, and who agree to teach in a high-need field at a school that serves low-income students for at least four years.
Federal Work Study
One-third (33%) of students who had already submitted their 2026-27 FAFSA said they were eligible for federal work-study. Federal work study enables eligible students to obtain a job on campus to help them pay for college. While all students can obtain a part-time job either on campus or in the nearby community, students who have a work study job have certain advantages:
Question 3: How well does your FAFSA Submission Summary match with your expectations for your eligibility for need-based aid?
Amongst the 15,755 of students who had already submitted the FAFSA, nearly half (44%) said that their FAFSA Submission Summary was worse than they had expected, and half (50%) said that their FAFSA results were about what they had expected. Just a small percentage (6%) said that their FAFSA results were actually better than they had expected.
Question 4: Which of the following will you rely on to help you pay for college costs not covered by federal grants? Select all that apply.
Most students selected multiple funding sources from the list to help them achieve their goal of paying for college:
The Shifting Tide of College Financing
The survey results reveal several critical trends that will define the 2026-27 school year:
The Expectation vs. Reality Gap
Perhaps the most striking finding is that 44% of students felt their FAFSA results were “worse than expected.” With only 6% finding their results “better,” there is a clear disconnect between what families hope to receive and what the federal government actually provides. This suggests that as the cost of attendance rises, the federal formula for “need” may not be keeping pace with the lived reality of middle-class and working families, making paying for college more challenging.
Scholarships Are No Longer “Extra”—They Are Essential
With 88% of respondents indicating they will rely on scholarships to pay for costs not covered by federal grants, scholarships have moved from being a “bonus” to a primary pillar of the college budget. This exceeds the reliance on jobs (56%) and far outpaces federal student loans (38%), signaling that students are becoming more debt-averse and are proactively seeking “free money” to avoid the burden of high-interest borrowing. Clearly, paying for college with scholarships and other debt-free sources is preferred by Gen Z students.
The Impact of Loan Reform
The data shows that only 8% of students plan to use Parent PLUS loans and 3% plan to use Grad PLUS loans. This low engagement may be a direct reaction to the 2026-27 loan caps and the elimination of Grad PLUS for new programs. As federal borrowing options become more restricted, we see a corresponding rise in students looking toward personal savings (41%) and family support (39%) to make ends meet.
Proactive Financial Planning
Despite the complexities, 65% of students had already submitted their FAFSA by December. This high early-filing rate shows that students are aware of the “first-come, first-served” nature of many state and institutional grants, demonstrating a high level of financial literacy and proactivity among the current applicant pool.
Still, the fact that 28% of respondents haven’t yet submitted the FAFSA despite their plan to do so demonstrates that some families may need additional information and support to complete this essential financial aid step.
Key Takeaways
The December 2025 survey results serve as a wake-up call for the higher education community. The “Expected vs. Reality” gap is real, and it’s driving students to look beyond the federal government for help. With nearly 9 out of 10 students now targeting scholarships as their primary secondary funding source, the competition for private aid is higher than ever.
For the 2026-27 school year, the message from students is clear: federal aid and loans are no longer enough. To achieve a debt-free degree, students must take a multi-pronged approach—balancing early FAFSA filing with a consistent, aggressive scholarship strategy and part-time employment.
Don’t Leave Your Future to Chance
With scholarship competition at an all-time high, you need every advantage to stand out and stay organized. Don’t wait until the fall tuition bill arrives to begin applying. Start your ScholarshipOwl 7-day free trial today to access personalized matches, automated applications, and a streamlined dashboard that helps you leverage every opportunity to fund your education debt-free!
The post How Students Are Paying for College in 2026: Why 88% of Students Are Turning to Scholarships appeared first on ScholarshipOwl.
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