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Chon attends Howard High, a Title I school, which means there is a high percentage of low-income students. In fact, at Howard, 99% are considered economically disadvantaged like herself. My dad said, we can t send you to a school that has any out-of-pocket costs, she said. Unlike a student loan, a scholarship is essentially free money, which means it does not need to be repaid. In addition to the gift aid offered by colleges and universities, there are private many scholarships available, often funded by foundations, corporations and other independent organizations. Even small awards add up over time. Every dollar you win is a dollar less you will have to borrow, said higher education expert Mark Kantrowitz. ....