Scholarships

• Managing Student Loan Debt: The Ultimate Guide for Graduating Students [2026-02-17]

  Graduation day is a momentous occasion, a celebration of years of hard work, dedication, and dreams realized. But for many, the joy of receiving that diploma is accompanied by a looming question: “What about my student loans?” If you’re feeling a mix of excitement and apprehension as you think about the managing student loan debt you’ve taken on while in college, you’re certainly not alone.

  With over 45 million Americans currently carrying student loan debt, navigating the repayment landscape can feel overwhelming. It’s challenging enough to understand the exact amount you’ve borrowed, let alone who you owe it to, and precisely when you need to start repayment. But don’t despair! This guide from ScholarshipOwl is designed to empower you with the knowledge and strategies you need to tackle your student loan debt confidently, both now and in the long term.

   

  Unearthing Your Debt: How Much Have You Actually Borrowed?

   

  The first step to managing student loan debt is understanding its full scope. It’s common for students to lose track of individual loan amounts and lenders, especially if they’ve borrowed over several years. Fortunately, there are clear paths to get this information:

   

  Federal Student Loans

  For federal student loans, your go-to resource is StudentAid.gov. You’ll be able to find out all about your federal student loans so that you can take proactive steps to manage your debt.

   

  Private Student Loans

  If you have taken out private student loans, you’ll need to review your personal records, such as promissory notes or loan agreements, or contact the financial aid office at your institution for assistance. Alternatively, you can check your credit report with one of the three major credit bureaus (Experian, Equifax, or TransUnion) to see a list of all your loans, both federal and private.

   

  The Repayment Clock: When Do Payments Begin?

  For most federal student loans, you’ll have a grace period after you graduate, leave school, or drop below half-time enrollment. This grace period typically lasts six months (though some loans, like Perkins Loans, may have a nine-month grace period). During this time, you are not required to make payments. This period is designed to give you some breathing room to find a job and get your finances in order before repayment begins. Private loan grace periods can vary, so be sure to check your loan agreements for specific details.

  Be aware that if you have private student loans and/or federal unsubsidized student loans, then you are responsible for the interest that accrues while you are in school. Even though you aren’t required to make payments on your loans while in school, it is to your advantage to make payments on accrued interest while in college if you can. Any unpaid interest on unsubsidized federal student loans will be added to the principal balance of your loan, resulting in you having to pay interest on a higher principle amount.
  If you have federal subsidized student loans, then the federal government will pay for the interest that accumulates while you are in school. This is what makes these loans “subsidized.” Of course, you’ll be responsible for both the principal and interest that accumulates after you exit school or reduce to less than part-time status.

  Laying the Groundwork: What to Do While Still in School

   

  Even before graduating, there are proactive steps you can take to make managing your student loan debt easier:

   

  Know Your Loan Servicer

  While still in school, try to identify your loan servicers. These are the companies that will handle your billing and other services related to your loans. Knowing who they are and how to contact them early can save you stress later. To find out who is servicing your loan, go to StudentAid.gov.

   

  You might be wondering why you would need to proactively seek out this information. This is because lenders will often re-sell their loans to other loan servicers. What this means for you is that the lender who originally lent you the funds for college might not be the same company who is currently servicing your loan. So even if you remember the name of your original lender, you’ll need to check with the StudentAid.gov website to get the most accurate and up to date information about your current loan servicer.

   

  Create a Budget

  Get into the habit of budgeting now. Track your income and expenses to understand where your money goes. This practice will be invaluable when you have to factor in loan payments.

   

  Make Interest-Only Payments If You Can

  As indicated above, any unsubsidized federal loans and private loans accrue interest while you’re in school. If you have the financial capacity, making interest-only payments during college can significantly reduce the total amount you’ll owe over the life of the loan. This prevents interest from capitalizing (being added to your principal balance) when repayment begins, which means you’ll pay interest on a smaller amount overall.

   

  Make Principal Payments If You Have Extra Funds

  If you’re in an even stronger financial position, consider making principal payments. Even small amounts can make a difference in the long run.

   

  Prioritize Scholarships Over Loans

  As you plan for future semesters, actively seek out and apply for scholarships. Every dollar you receive in scholarship money is a dollar you don’t have to borrow, directly reducing your future debt burden. Consider part-time jobs during college to earn income and reduce your reliance on loans.

   

  The Countdown to Commencement: Steps to Take Before You Graduate

   

  As graduation approaches, it’s crucial to finalize your student loan game plan:

   

  Confirm Your Loan Servicer(s)

  Re-confirm who your loan servicer(s) are. If you have federal loans, check StudentAid.gov again. For private loans, review your records or contact your lender.

   

  Create Your Loan Servicer Portal Account

  As soon as you know your servicer, visit their website and create an online account. This portal will be your hub for managing your loans, viewing statements, and making payments.

   

  Update Your Contact Information

  Ensure your loan servicer has your most current contact information. Crucially, switch from your school email address to a personal email address you’ll use long-term. Your school email will likely be deactivated after graduation, and you don’t want to miss important communications regarding your loans.

   

  Choose a Repayment Plan

  Federal student loans taken out prior to July 01, 2026 offer several repayment plans, including standard, graduated, extended, and various income-driven repayment (IDR) plans. Research these options carefully to find the one that best fits your financial situation and goals. IDR plans can be particularly helpful if you anticipate a lower starting salary.

   

  Federal student loans taken out as of July 01, 2026 or later have just two options: The Standard Repayment Plan and the Repayment Assistance Plan (RAP). The RAP Plan is the only income-driven repayment plan available as of this date and going forward due to legislative changes made in the One Big Beautiful Bill Act (OBBBA). In addition, if you have older loans and want to take out NEW federal student loans on or after July 01, 2026, then you’ll need to choose one of the two new plans for ALL of your loans. This is because the legislation requires that all loans have the same repayment plan.

   

  If you have private loans, you’ll need to check with your lender to learn about repayment plans available to you.

   

  Don’t Hesitate to Call Your Loan Servicer

  If you have questions about your loans, your repayment options, or are concerned that you won’t be able to make your minimum payment amount, call your loan servicer immediately. They can guide you through your options, such as deferment, forbearance, or changing repayment plans. Avoiding communication will only lead to greater problems.

   

  Ensuring Repayment Success: Making Your Loan Payments Manageable

   

  Being able to consistently make your loan payments is key to financial stability after college:

   

  Job Search Early and Strategically

  Begin your job search well before graduation, ideally seeking a position in your field that will be waiting for you upon receiving your diploma. A steady income is your best defense against debt.

   

  Build a Realistic Budget and Stick to It

  Create a post-graduation budget that accounts for all your living expenses (rent, utilities, food, transportation, insurance, etc.) AND your student loan payments. Be honest with yourself about what you can afford, and look for areas to cut back if necessary.

   

  Plan for Independent Living

  If you plan to live independently after graduation, ensure you have sufficient funds to cover your living expenses in addition to your loan payments. This might mean saving a security deposit, first month’s rent, and a few months of emergency funds before you move out.

   

  Consider Living with Family

  If moving back in with family is an option, it can provide significant financial relief during your first few years out of college, allowing you to save more aggressively or make larger loan payments.

   

  Preventing Deeper Debt: Prioritize Smart Financial Choices

   

  If you’re still in college and have future years of study ahead, continue to be strategic about your finances:

   

  Scholarships Over Loans, Always

  This cannot be stressed enough. Dedicate time to finding and applying for scholarships. Every scholarship awarded means less money you have to borrow. ScholarshipOwl is an outstanding resource for scholarship opportunities.

   

  Work While You Study

  Earning income from a part-time job or internship can help cover current expenses and reduce your need for additional loans. Even a small amount can make a difference.

   

  Only Borrow What You Absolutely Need

  When it comes to student loans, treat them like a last resort. Borrow only the minimum amount necessary to cover your essential educational expenses. Avoid borrowing extra for non-essential items or lifestyle upgrades.

   

  Why ScholarshipOwl is Your Best Alternative to Loans

   

  While loans simply delay your financial responsibility, scholarships provide true financial freedom by offering “free money” that never has to be repaid. Embracing a “Scholarships First, Loans Last” mentality is one of the most impactful decisions you can make for your long-term financial health.

   

  Using a dedicated platform like ScholarshipOwl offers several unique advantages over traditional funding:

   

  Massive Opportunity Pool

  You can access hundreds of thousands of dollars in active, year-round scholarships all in one centralized location.

   

  Smart Matching Technology

  Instead of mindlessly searching, an AI-powered system analyzes your unique profile to match you with scholarships where you have the best chance of winning.

   

  Strategic Insights

  Only ScholarshipOwl offers you strategic insights into scholarships that you won’t find anywhere else:

  • • • View Number of Applicants: You can see the number of applicants for each scholarship, allowing you to prioritize those with less competition and stack the odds in your favor.
      • Access Credibility Scores: Our exclusive credibility scoring system shows you which scholarships are most worth your time and effort, helping you to avoid scholarship scams.

   

  Maximum Efficiency:

  • • • Universal Application: Your profile data automatically fills out application forms, eliminating hours of repetitive data entry.
      • AI Essay Assistant: Quickly generate relevant essay drafts to speed up the application process for high-reward opportunities.
      • Automatic Re-application: The platform can automatically resubmit your applications for recurring “no requirement” scholarships while you focus on other tasks.

   

  By making scholarship applications a priority through a streamlined system, you can significantly reduce—or even completely eliminate—your reliance on student loans.

   

  The Marathon, Not a Sprint: Long-Term Debt Management

   

  For most borrowers, managing your student loan debt is a marathon, not a sprint, with many taking 20 years or more to become debt-free. Long-term success requires consistent effort and smart strategies:

   

  Avoid Negative Credit Ratings

  Your student loan payment history directly impacts your credit score. Missed or late payments can severely damage your credit, making it harder to secure housing, get favorable interest rates on future loans (like a car or home loan), or even land certain jobs. Set up automatic payments to avoid missing due dates.

   

  Don’t Bury Your Head in the Sand

  If you find yourself struggling to make payments, do not ignore the problem. Your loan servicer is there to help. Proactively communicate with them to explore options like income-driven repayment plans, deferment, or forbearance. These options can temporarily reduce or postpone your payments, preventing delinquency and default.

   

  Avoid Aggressive Collection Efforts, Including Wage Garnishment

  The Trump Administration has made student loan collection efforts a priority, especially for borrowers with defaulted loans. In 2026, wage garnishments are expected to begin for those in default, so ensuring your loans are in positive status is imperative.

   

  Consider Federal Student Loan Consolidation

   

  A Direct Consolidation Loan allows you to combine multiple federal student loans into a single loan with one monthly payment and one loan servicer.

   

  Advantages:

  • • • • Simplified Repayment: You will have only one monthly bill to track, reducing the risk of missed payments.
        • Access to New Plans: It can make older loans (like Perkins or FFEL loans) eligible for income-driven repayment (IDR) plans and Public Service Loan Forgiveness (PSLF).
        • Fixed Interest Rate: If any of your current loans have variable rates, consolidation will lock you into a single fixed interest rate for the life of the loan.
        • Lower Monthly Payments: By extending your repayment term up to 30 years, you can significantly lower your required monthly payment.

   

  Disadvantages:

  • • • • Higher Total Interest: Because extending the term means you are paying for longer, you will likely pay more in total interest over the life of the loan.
        • Slightly Higher Rate: Your new interest rate is the weighted average of your current loans, rounded up to the nearest one-eighth of 1%.
        • Capitalized Interest: Any unpaid interest on your original loans is added to your new principal balance, meaning you will now pay interest on that interest.
        • Loss of Benefits: You might lose specific borrower benefits from your original loans, such as interest rate discounts or certain loan cancellation perks.

   

  Explore Refinancing (Carefully)

  Once you have a stable job and good credit, you might consider refinancing private student loans (and sometimes federal loans, though this means losing federal benefits). Refinancing can potentially lower your interest rate or monthly payment, but be sure to understand the pros and cons.

   

  Make Extra Payments When Possible

  Whenever you have extra income (a bonus, a tax refund, an inheritance), consider putting it towards your student loans. Even small extra payments can help you in managing your student loan debt by shortening your repayment period and saving on accrued interest.

   

  Live Below Your Means

  Post-graduation, resist the urge to immediately upgrade your lifestyle. Continue living frugally, especially in the early years of repayment. The more aggressively you can pay down your debt, the sooner you’ll achieve financial freedom.

   

  A Bright Future Awaits

  
  While the journey to student loan freedom might seem daunting, it’s a completely achievable goal. By taking proactive steps, understanding your options, and maintaining open communication with your loan servicer, you can navigate this challenge successfully. Your college education is an investment in yourself and your future, and managing student loan debt is a crucial part of maximizing that investment. Embrace the challenge, stay informed, and know that with a solid plan, you’ll not only conquer your college debt but emerge with invaluable financial wisdom and a clear path to a bright and financially secure future!

  The post Managing Student Loan Debt: The Ultimate Guide for Graduating Students appeared first on ScholarshipOwl.

• “About Yourself” College & Scholarship Essay Examples (2026) [2026-02-13]

  A popular scholarship essay prompt is “Tell us about yourself.” This question is relatively open-ended, which may make it difficult to answer at first glance. What should I tell them about myself? My struggles, my goals, my passions…? These may all be fitting topics, depending on the scholarship. We’ll show you some scholarship essay examples about yourself, along with writing tips to guide you along the way.

  What they want to know about you

  As you prepare to write, think of the topics the scholarship committee would be interested in. These may include:

  • Your current degree, as it applies to your overall career goals. You can explain why you chose your current educational path and what you want to do with that.
  • Your short-term and long-term professional goals. Frame your answer as if to say “Where will you be in 5 years? Where will you be in 10 years?” Scholarship committees like to reward people with defined aspirations.
  • Past experiences that sparked your passions. You could talk about an influential person in your life, but make sure most of the essay focuses on you. After all, you are talking about yourself.
  • Something about you that relates to their organization. With any scholarship essay, you should try to connect yourself with the organization providing the funding. Don’t force a connection. Find one that naturally fits. Mention hobbies, experiences and goals that match what the review committee is looking for.
  • Something unique that sets you apart from other applicants. This may be volunteer experience, career specialties, situational differences (growing up in an area that didn’t encourage education), etc.

  Note that you do not have to throw all this information into one essay. Choose the elements that best fit the scholarship. If you were on the review board, what would you want to learn about each applicant? What would make you choose one applicant over another? Keep this in mind as you develop your thoughts.

  What they don’t want to know about you

  There is plenty of information you could include in an about yourself scholarship essay. There is just as much information to avoid though. Some topics to keep out of your essay include:

  • False information. Do not make up stories or fabricate goals to fit the prompt. The scholarship committee can instantly tell when someone is lying, and they will disqualify you immediately.
  • Past struggles that do not pertain to the essay topic. You can briefly mention struggles from your past, as long as you mention how you’ve learned from them. Do not make your essay a long story about the hard life you’ve led. Focus on your triumphs, not your obstacles.
  • Vague goals and aspirations. Scholarships are usually given to students who have a plan. If you say, “I’m not sure what I’m doing yet,” the committee will select a more motivated candidate. If you have a plan and a backup plan, that’s fine. Just make sure you mention both options and show which one you favor.
  • Cliché stories that most people tell. There is something that makes you stand out as a person. Use that to your advantage. Don’t rely on generic information they’ll find with other applicants.
  • Unrelated elements of your personal life. In most cases, you should not mention your significant other in the essay. You might mention a spouse if you need to reference your children or a turning point in your life, but these personal details do not fit most essays. Any information that seems frivolous or ill-placed should be removed from the essay.

  Read through your essay carefully. If you stop at one point to say, “Why did I mention that?” get rid of the corresponding information. Showcase the best elements about yourself in a fluid and cohesive manner.

  Short scholarship essay example: Tell us about yourself (100 Words)

  With 100 words, you can only focus on one or two elements of your life. Think about your biggest selling points – the things that show you are the ideal candidate. Start by introducing yourself and your educational status. Then jump into the main topic of the essay. You may not have room to mention how the scholarship will help your education. Instead, mention how your education can help your career. The other information will be implied.

  My name is Christian Wood. I am a high school senior who will be attending the University of Nevada, Reno in the fall. I want to become an online journalist. My goal is to work for the Wall Street Journal, Bloomberg, Huffington Post, or another news outlet that has a strong online presence. Most people already get their news on the internet, and the industry will be even bigger by the time I graduate. Getting a degree in journalism with a focus on digital media will set me up for a fulfilling, fast-paced career fit for the future.

  Word Count: 96

  Medium scholarship essay example: Tell us about yourself (250 Words)

  With a mid-length scholarship essay, you have more space to explain how your past has influenced your present and future goals. You should have rom for an intro paragraph, a few body paragraphs, and a conclusion (maybe incorporated into the last body paragraph). Think of a few main points you want to touch on, and write those down first. If you still have room, you can add more details about yourself.

  My name is Sarah, and I spent most of my childhood on the wrong medication. I experienced a problem common in clinical psychology – misdiagnosis. Professionals provide inaccurate diagnoses for many reasons – from antiquated testing methods to limited education. I want to open my own psychological testing facility and help change that. Therefore, I am pursuing a Ph.D. in Clinical Neuropsychology. 

  I was diagnosed with ADHD as a child because I had trouble focusing in school. The medication my doctor prescribed to me only made me numb to the world around me. I couldn’t think or process emotions, or had no emotions at all. After several years my parents finally decided to get a second opinion.

  I saw a specialist and she concluded that I didn’t have ADHD, but a combination of dyslexia and dysgraphia (difficulties with reading and writing). She sent us to a therapist who helped me learn how to work around my conditions, and my life improved tremendously. I went from being a lifeless student with barely passing grades to an honor roll student full of joy and excitement.

  Unfortunately, my story is not one of a kind. There are countless children in America who are put on mind-altering medications that do not adequately address their needs. I cannot help all of those children, but I can provide a better alternative for the ones in my area. Through proper education, funded by financial aid, I can learn about psychological evaluations and provide the most accurate diagnoses possible.

  Word Count: 249

  Long scholarship essay example: Tell us about yourself (500 Words)

  Scholarship essays that are 500 words or longer let you tell the whole story. You can discuss your past, present and future in a comprehensive manner. Avoid rambling and make sure each topic contributes to the overall essay. If one piece feels out of place, remove it and elaborate more on the existing elements. By the end of the essay, the reader should have a full understanding of who you are and what you want to accomplish.

  My name is Sierra Breault, and I am a junior at Murray State University. I am double-majoring in Criminal Justice and Forensics Science, and I will graduate in 2024 with two bachelor degrees. My career goal is in social justice, so I can contribute to criminal justice reform. I want to ensure that those who commit crimes are treated fairly. 

  I come from a small town where excessive force and even death by cop incidents are often committed, especially against minorities. A few years ago, one of my relatives was charged for a crime although the crime scene evidence wasn’t properly obtained, catalogued and analyzed. 

  This experience played a big part in my wish to study criminal justice. I started exploring the career more when I decided that a desk job just wasn’t for me. Throughout high school I struggled because of the routine nature of it all. I saw the same people and attended the same classes every single day. I knew I didn’t want a job that would be that stagnant. That’s when I got the idea to work in law enforcement, because there would always be a new challenge for me to tackle. After researching the field even more, I set my sights on crime scene investigation.

  I have performed much better academically in college than I ever did in high school. That’s because there is no routine to the experience. Every week, I have new projects to complete, tests to study for, and activities to try. I have been involved with the campus Crime Stoppers organization all three years of college, and I was elected president for the upcoming term. This lets me work closely with law enforcement to supplement my college education and further my career.  

  After graduating, I will apply for work as a dispatcher in a state organization, such as the Department of Criminal Investigation. While my ultimate goal is to work as a forensic analyst or crime scene investigator, those positions usually only go to people within the organization. Dispatch is the most direct option for career entry, giving me the best chance to pursue my dream career.

  I am applying for this scholarship to help me finish the last two years of my degrees. As a college junior and soon-to-be senior, my scholarship opportunities are limited. Most awards are reserved for freshmen. I took advantage of those early on, and I have one recurring scholarship that covers half of my tuition. However, I need additional financial aid to cover the remainder of my academic costs. I appreciate your consideration, and I hope that you can help me pursue a profession in criminal justice. This is my passion, and I have a clear plan to turn that passion into a lifelong career.

  Word Count: 463

  YOU SHOULD ALSO READ

  Why I Deserve This Scholarship Essay Examples

  Essay: How Will This Scholarship Help You Achieve Your Goals (W/Example)

  Scholarship Essay Examples – Career Goals

  Financial Need Scholarship Essay Examples

  How to Write a Scholarship Motivation Letter

   

  The post “About Yourself” College & Scholarship Essay Examples (2026) appeared first on ScholarshipOwl.

• Student Loan Debt 2026: Survey Shows 71% of Borrowers Already Regret Their Loans [2026-02-06]

  The start of a new year often brings a sense of renewal, but for millions of American students, there is a familiar, heavy shadow: student loan debt 2026. As tuition costs continue to climb and the economic landscape shifts, the dream of a “debt-free” education feels more like a financial gamble than a guarantee. ScholarshipOwl believes that transparency is the first step toward change. That’s why we surveyed over 12,000 students this month—to capture the real-time financial pressures facing the next generation and to illuminate a more sustainable path forward.

   

   

  The 2026 Student Debt Landscape: National Statistics

  To understand the weight of our survey results, we must look at the current state of borrowing in America. As of early 2026, the student debt crisis has reached a critical “default cliff”:

   

   

  Total Borrowers

  Approximately 45 million Americans currently hold student loan debt, totaling over $1.75 trillion.

   

  The Default Crisis

  Recent data indicates that nearly 9 million borrowers are currently in default (270+ days past due), a sharp increase following the expiration of pandemic-era protections.

   

   

  The “Danger Zone”

  The number of borrowers struggling to keep their heads above water is staggering. Approximately 5.8 million borrowers are currently 90 days or more past due on their payments—the highest delinquency rate ever recorded.

   

  Rising Delinquency

  Roughly 21% of all borrowers have reported a recent delinquency, returning to and exceeding pre-pandemic levels as economic uncertainty persists.

   

  Who Participated in the Survey?

  In January 2026, ScholarshipOwl surveyed 12,654 high school and college students on the ScholarshipOwl scholarship platform to find out more about how they feel about student loan debt and its implications on their future.

   

  Among the respondents, 59% were female, 39% were male, and 2% identified themselves as a different gender identity or preferred not to respond to the question. Just over half (55%) were Caucasian, 16% were Black, 16% were Hispanic/Latino, 6% were Asian/Pacific Islander, 1% were American Indian/Native American and 6% selected “other” or preferred not to respond to the question.

   

  Nearly one-third (29%) of the respondents were high school students, with the overwhelming majority high school seniors; more than half (57%) were college undergraduate students, primarily college freshmen and college sophomores; 10% were graduate students and 4% identified themselves as adult/non-traditional students.

   

   

  Question 1: Have you already taken out one or more student loans?

   

  Amongst the respondents, just under one-quarter (22%) said yes, and nearly two-thirds (61%) said, that they hadn’t yet taken out student loans, but that they expect they will need to, bringing the total to 83% of respondents who either are already in student debt or plan to be. Just 16% said they have not taken out student loans yet, and that they won’t be in the future.

   

   

  Question 2: If yes, do you already regret taking on student debt? 

  Amongst the 3,473 respondents who already have taken out student loans, nearly three-quarters (71%) acknowledged that they already regretted taking on student debt, while just under one-third (29%) said they do not.

   

  Question 3: What are your concerns about future student loan repayment? Select all that apply.

  Among the respondents, just 1,388 students (11%) said that they will not be taking out any student loans to pay for college, so they won’t have to worry about how to repay them. Excluding those students from the calculation, the remaining 11,266 respondents indicated they were concerned about having student debt and potentially struggling to repay it. The overwhelming majority (90%) selected more than one response.

   

   

  • 69% selected “I’m concerned that my monthly minimum loan payment will be higher than I can afford”
  • 57% selected “On-going economic uncertainty feels stressful, so it’s hard to plan for my financial future”
  • 37% selected “I am concerned that there aren’t going to be as many loan repayment options, so my choices will be limited”
  • 35% selected “I’m worried it will be hard to find a job in my field after I graduate”
  • 35% selected “I’m afraid I’ll have to move back in with my family due to my loan payments”
  • 33% selected “Trying to understand what I owe and how to pay it back is confusing”
  • 22% selected “I’m not sure if my degree will have been worth the debt I’m taking on”
  • 16% selected “I’m worried that AI might make my planned career obsolete”
  • 5% selected “I don’t have any concerns about repaying my loans, as I know my income will be enough to cover my monthly payments”
  • 2% selected “My family will be repaying my student loans, so it’s not something I’m worried about”

   

  Analyzing the Survey Results: A Generation at Risk

   

  Our student loan debt 2026 survey reveals a student body that is acutely aware of the “debt trap.” The results highlight a significant disconnect between the need for an education and the ability to afford it.

   

  The Debt Expectation

  The survey found that borrowing is no longer the exception; it is the rule. A combined 83% of respondents are either already in debt or expect they will need to take out loans to finish their education. Only a small fraction (16%) believe they can navigate college without borrowing.

   

  Immediate Regret

  For those who have already signed on the dotted line, the honeymoon phase ended quickly. Of the 3,473 respondents currently holding debt, 71% already regret the decision. This suggests that the reality of interest rates and repayment terms is hitting home far sooner than in previous generations.

   

  The Repayment Anxiety Gap

  When we look at the 11,266 students who expect to face repayment, the concerns are multifaceted. It isn’t just about the money; it’s about the loss of a predictable future:

   

  • • • • 69% fear their monthly payments will simply be unaffordable.

        • 57% point to on-going economic uncertainty as a barrier to financial planning.

        • 35% are terrified that debt will force them to move back in with family, delaying their independence.

        • Notably, 16% are now factoring in AI’s impact, fearing their degree might become obsolete before the debt is even paid off.

   

  How to Build a Debt-Free Path to Graduation

   

  The data proves that relying on loans is a high-risk strategy. To avoid becoming a statistic, students should prioritize these four pillars of debt-free funding:

   

  Maximize Free Government Aid with FAFSA

  Always start with the Free Application for Federal Student Aid (FAFSA). When you submit the FAFSA, you’ll be applying to find out if you are eligible for need-based federal and state grants which do not have to be repaid. You can also apply to be considered for federal work-study. In addition, should you want to take out federal student loans, you can only do so after you’ve submitted the FAFSA.

   

  Work Your Way Through College

  We recommend students begin working part-time at age 16 and continue through college, transitioning to full-time work during summer breaks. “Cash-flowing” even a portion of your living expenses can prevent thousands in high-interest debt from accumulating.

   

  Prioritize Earning Scholarships

  Treat scholarship applications like a part-time job. Unlike a paycheck, scholarship awards are generally tax-free when used for tuition and books.

   

  Community College and Transfer

  Consider completing your first two years at a community college where costs are significantly lower, then transferring to a four-year institution.

   

  The ScholarshipOwl Advantage

   

  Searching for scholarships can feel like a second full-time job. ScholarshipOwl was designed to eliminate the “grind” so you can focus on winning.

   

  Universal Application

  No need to fill out endless repetitive applications. With ScholarshipOwl, your profile serves as a universal application. So it’s one and done, just complete your profile and we’ll port that data into all of the applications you want to submit!

   

  AI-Powered Recommendations and Unparalleled Matching

  Our advanced platform matches you with scholarships where you are most competitive based on your unique profile.

   

  Vetted Opportunities

  Our exclusive credibility scoring system analyzes every scholarship on our platform, assigning a credibility score so that you’ll know which scholarships to focus your time and energy on as you apply.

   

  Application Management

  Track your deadlines and submissions in one dashboard, making it easy to track and monitor your applications.

   

  Not yet a member of ScholarshipOwl? Sign up for a free 7-day trial at www.ScholarshipOwl.com.

   

  Conclusion

   

  The student loan debt 2026 survey data is a wake-up call, but it doesn’t have to be your personal reality. Our survey shows that while the majority of students feel forced into debt, the anxiety and regret that follow are heavy burdens to carry. By leveraging grants, maintaining a consistent work schedule, and using smart tools to streamline your scholarship search, you can take control of your financial destiny. You deserve an education that empowers your future, rather than one that bills you for it for the next thirty years.

   

  So apply for scholarships and jobs, not loans. Get started today at www.ScholarshipOwl.com!

  The post Student Loan Debt 2026: Survey Shows 71% of Borrowers Already Regret Their Loans appeared first on ScholarshipOwl.

• How to Find Paid Internships in 2026: Land Your Dream Role [2026-01-31]

  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. Your university career center will have a direct link you can use, or you can access opportunities at www.JoinHandshake.com.

   

  LinkedIn & Indeed

  Both LinkedIn and Indeed are great for volume, but use the “Posted in the last 24 hours” filter to stay ahead and to ensure you are applying to opportunities soon after they are posted.

   

  WayUp

  WayUp is a specialized platform 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.

  • • • NVIDIA
      • Google
      • Microsoft

   

  Finance

  The fastest path to a six-figure starting salary.

  • • • J.P. Morgan
      • Goldman Sachs

   

  Engineering

  Hands-on experience with cutting-edge hardware.

  • • • Lockheed Martin
      • SpaceX
      • Tesla
      • Boeing

   

  Retail / Corporate

  Diverse roles in marketing, supply chain, and HR.

  • • • Target
      • Walmart
      • Proctor & Gamble

   

  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.

   

  • • • • • Your education should be listed in reverse chronological order, with your current college first, followed by previous colleges / trade schools. One exception to this: If you are currently enrolled in a certificate or associate degree program now, and have already earned a bachelor’s degree, you might want to list the bachelor’s degree first – the choice is yours.
          • If you are a recent high school grad, you can also include your high school diploma as well as any special certificates / organizations you were involved in while in high school, especially if they are relevant to your college major.

   

  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

  • • • • Resume: Is it 1 page? Do my employment dates match the dates of my work experience on my LinkedIn profile?
        • Cover Letter: Did I customize my letter to align my skills with the job description?
        • LinkedIn: Is my “Open to Work” status set for recruiters only?
        • AI Check: Did I remove the “robotic” phrases from my AI-generated draft?

   

  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”

   

  • • • Select a quiet, private location where you can participate in the interview. Avoid coffee shops and other public areas. If you’ll be in your bedroom, make sure you are in a room by yourself, and that your door is shut. If you are in a shared living space, ask your roommate(s) if they could plan on going somewhere else during the time of your interview.
      • Plan what you’ll wear for the interview. Even though your interview(ers) will only see your head and shoulders, you should still appear professional from the waist up. Avoid t-shirts / shirts with screen print graphics on them.
      • Use a neutral background, high-quality lighting, and look directly at the camera lens, not the screen.
      • If possible, for better audio quality, use an external mic connected to your computer rather than your laptop’s integrated microphone.
      • Download and install the latest desktop app of the software that will be used for the virtual interview well in advance of the interview (Zoom, Teams, Google Meet, etc.)
      • Test your virtual setup with someone else in advance so you can make sure that all is running well. Schedule a meeting with that person through the software, and then both of you should login to the meeting.
        • Look at your personal appearance as well as your environment as it appears on-camera. Determine if you’ll want to style your hair differently and/or apply makeup, etc.
        • You may be surprised that your camera captures more of your living space than you had anticipated. If your space needs tidying up, do so prior to your interview.
        • Make sure that your friend can hear you well during your practice meeting, and make sure that you can hear your friend as well. Adjust camera / mic / speaker settings as needed.

         

      • On the day of your interview, login at least 10 minutes earlier than the agreed-upon start time. That way, you’ll ensure that you don’t have any technical issues that need to be addressed. Your interview host likely will login at the appointed time, which is fine. That gives you several minutes to breathe and get focused!

   

  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

  • • • • • • Bring 3–5 high-quality printed copies of your resume.
            • If you are applying for a creative role, plan on bringing a physical portfolio with high-quality prints of your best samples OR a laptop or tablet of your best samples. Avoid showing samples that are not your best work.
            • If you are applying for a role that relates to research or writing, bring relevant examples of your writing or research.
            • If applying for roles involving web development, programming, etc., then show your working prototypes or final projects on your laptop.

   

  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.

• Write a Killer Cover Letter for a Scholarship with Example (2026) [2026-01-26]

  It’s easy to get put off by scholarship applications that require a cover letter. Cover letters may seem annoying but there is a bright side here. A simple letter gives you another opportunity to convince the scholarship committee that you deserve to win the award.

  So how do you start? What should you include in the letter? How should you end it?  In this post, we’ll answer all these questions and we’ll even provide a sample letter that you can use as a template in the end. 

  What Is a Cover Letter? 

  Let’s start with the basics. A cover letter for a scholarship is similar to a cover letter you’d submit for a job. What does that mean exactly?

  It’s simply a letter you write to the scholarship committee. In the letter you should explain what makes you a great candidate for the award. You should also talk about how the scholarship will help you reach your educational and career goals. 

  The scholarship committee wants to find the most fitting students to invest their money in. Make them see the reasons why they should they invest in you. 

  Why a Cover Letter? 

  There are a lot of students out there who fit the bill of a great scholarship candidate. They may have straight A’s on their academic records. They may have excellent test scores. They may have a list of extracurricular activities to boast about. 

  Whether you have those things or not, many scholarship committees look for something else.  They look at students who have overcome struggles. Students who are leaders in their community. And students who have unique hobbies. Your cover letter is the place to show off your unique self.

  Although not every scholarship application requires students to submit a cover letter, when they do, it’s a great idea to submit a great one. Use the opportunity to think about how can you make yourself stand out from other applicants. What is unique to you that other applicants don’t have? Brainstorm and show it off!

  What Should Your Cover Letter Accomplish? 

  Your cover letter should do the following: 

  • Highlight your strengths: Why do your strengths make you a good match for the scholarship? 
  • Express what your plans are for the future: How will this particular scholarship help get you there? 
  • Convey a clear structure: Your cover letter should flow in a clear and concise manner. 

  Of course, make sure you spell check your cover letter and proofread it several times. A cover letter with grammar mistakes will not make you look like a professional and well-educated student. 

  Cover letters can be a great opportunity for you to convince the scholarship committee that you are the best candidate for the scholarship. Take time writing your cover letter and don’t wait until the final days before the deadline to start writing. A little bit of effort, could be the difference  that helps you win the award! 

  Scholarship Cover Letter Example

  Alexis Smith
  4519 Owl St.
  Bend, OH 45052

  The Scholarship Committee
  University of Pennsylvania
  3440 Market Street
  Philadelphia, PA 19104

  To Whom It May Concern, 

  My name is Alex Smith and I am a high school senior in Bend, Ohio. In the fall of 2019, I will be starting my freshman year at the University of Pennsylvania at the Annenberg School of Communication with an intended major in communications.

  Since my freshman year of high school, I have served on my school’s journalism team. During freshman and sophomore year, I worked as a writer. By junior and senior year, I became the senior editor and co-manager of the school paper. Throughout my four years of being part of the club, I have learned so much about journalism; from pitching creative ideas, to carrying out interviews, and writing up an article. I have also learned about editing and publishing. Although these tasks intimidated me in the beginning, I can confidently say that I now feel very skilled and knowledgeable about the field. 

  I am particularly passionate about giving the underserved population a voice to be heard. Some of my favorite interviews and articles I have published have been with female refugees from the community here in Ohio. Some of my articles have been published in our local paper in Bend. 

  Of course, there is so much that I still have and want to learn. I am eager to start my undergraduate education and learn from experts in the field. I am excited to take journalism, communication, and marketing courses and learn everything there is to know. I am also hoping to work with the Pennsylvania Daily and join the journalism club on campus. I want to take advantage of every opportunity offered to further my career and personal growth.

  As you are well aware, the cost of college is very high. As much as I have saved during high school, I will still have to take out loans to fund my college education. I am planning to work part-time during my studies, but I don’t want work to interfere too much with my school work. This scholarship would greatly help me cover some of these fees and give me more time to focus on school.

  I am very hardworking and creative, and I can’t wait to contribute my talents to the University of Pennsylvania. I would be so grateful to receive a scholarship. Thank you for your time and I look forward to hearing from you soon.

  Sincerely, 

  Alexis Smith

  The post Write a Killer Cover Letter for a Scholarship with Example (2026) appeared first on ScholarshipOwl.

• City of Boston Summer Internship Program 2026 [2026-02-17]
  Deadline: March 6, 2026 Applications are open for the City of Boston Summer Internship Program 2026. The City of Boston Summer Internship Program invites motivated, service-driven individuals to dive into the fascinating world of municipal government. This is more than just a summer internship, it’s an opportunity to launch your career while making a real [...]
• Council on Foreign Relations (CfR) Technologist-in-Residence Fellowship 2026-2027 [2026-02-17]
  Deadline: February 28, 2026 Applications are open for the Council on Foreign Relations (CfR) Technologist-in-Residence Fellowship 2026-2027. The Technologist-in-Residence Fellowship, sponsored by the Eric and Wendy Schmidt Fund for Strategic Innovation, seeks to enhance the knowledge, broaden the expertise, and enrich the perspectives of early- and mid-career technologists by providing them with a substantive opportunity [...]
• World Bank Group Youth Summit 2026 [2026-02-17]
  Deadline: March 11, 2026 Applications are open for the World Bank Group Youth Summit 2026. The World Bank Group Youth Summit returns for its 13th edition, inviting young people to engage with the most urgent issues their generation faces, while bringing together thousands of participants from across the globe. Under the theme #FutureWorks: Designing Jobs for the [...]
• UNESCO-Sharjah Prize for Arab Culture 2026 ($60,000 total prize) [2026-02-17]
  Deadline: February 28, 2026 Nominations are invited for the UNESCO-Sharjah Prize for Arab Culture 2026. Established in 1998, the UNESCO-Sharjah Prize for Arab Culture rewards, each year, two laureates – individuals, groups or institutions – who, through their work and outstanding achievements, endeavour to disseminate greater knowledge of Arab art and culture. In order to [...]
• Hauwa Ojeifo Scholarship to Attend One Young World Summit 2026 (Fully-funded to Cape Town, SA) [2026-02-17]
  Deadline: March 27, 2026 Applications are open for the Hauwa Ojeifo Scholarship to Attend One Young World Summit 2026. Now in its second year, the Hauwa Ojeifo Scholarship was created to empower young leaders who are committed to addressing the urgent and deeply interconnected challenges facing women and girls today. The scholarship equips emerging changemakers [...]

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PhD & Academia

• 01/15/21 PHD comic: 'NEW BOOK! Out of Your Mind!' [2022-01-31]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "NEW BOOK! Out of Your Mind!" - originally published 1/15/2021

  For the latest news in PHD Comics, CLICK HERE!

• 08/31/23 PHD comic: 'New Book! Oliver's Great Big Universe!' [2021-12-14]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "New Book! Oliver's Great Big Universe!" - originally published 8/31/2023

  For the latest news in PHD Comics, CLICK HERE!

• 10/22/21 PHD comic: 'Current Status' [2021-10-25]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "Current Status" - originally published 10/22/2021

  For the latest news in PHD Comics, CLICK HERE!

• 09/24/21 PHD comic: '...Said No Academic Ever.' [2021-09-27]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "...Said No Academic Ever." - originally published 9/24/2021

  For the latest news in PHD Comics, CLICK HERE!

• 09/17/21 PHD comic: 'The COVID-19 Virus Explained' [2021-09-18]
  Piled Higher & Deeper by Jorge Cham www.phdcomics.com title: "The COVID-19 Virus Explained" - originally published 9/17/2021

  For the latest news in PHD Comics, CLICK HERE!

• Corporate Influence as the Modern ‘Thought Police’ of AI Research [2026-02-03]

  Scientific inquiry has long been at the heart of societal progress and innovation. Yet today, it faces subtle but profound pressures that are reshaping the questions scientists can ask and the projects they can pursue. Increasingly, funding patterns and institutional dependencies are shifting power away from public institutions and towards actors whose priorities may not align with open…

  Source

• Ecology at a Crossroads: The Tension Between Publishing and Innovating [2026-01-12]

  Modern scientific publishing is often portrayed as a neutral system advancing knowledge through merit and debate, but in practice it operates as a competitive economy of prestige, metrics, and scarcity. Academic survival increasingly depends on publishing frequently and rapidly in a narrow set of high-impact journals, shaping not only how research is evaluated but also which questions are asked…

  Source

• The Global Decline of Research Communications in the Disinformation Field [2025-11-18]

  In recent years, academic research has become a target of political hostility. Governments and partisan movements have delegitimized, defunded, or discredited entire scholarly fields, while those working on topics that intersect with politics, media, or technology have faced escalating scrutiny. This has been observed particularly in environments where research findings challenge powerful…

  Source

• The invisible orchestrator: How ChatGPT-5 redefines scientific reproducibility [2025-10-09]

  Following considerable anticipation, ChatGPT-5 has arrived. Instead of the much-touted artificial general intelligence (AGI), OpenAI has delivered a more intelligent, orchestrator model that now internally selects the appropriate sub-model to perform a given task. For a simple request, it will choose a smaller, faster model. For a complex one, it will employ models that require more computational…

  Source

• Populism, platforms, and the challenges of science communication [2025-07-07]

  What is disinformation and how does the spread of disinformation affect liberal democracies worldwide? I notice, the longer I work on this topic, that “disinformation” is really an umbrella term—in the sense that it covers many different phenomena, each of which may have its own logic, but they are all grouped under the same label. I find this relevant because I’m particularly interested in a…

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