Myth: I Should Start Searching for Scholarships During Senior Year

Did you know you can win a scholarship as early as kindergarten? That’s right, scholarships aren’t just for graduating high school seniors. This means you don’t have to wait until senior year to start searching for, applying to, and winning scholarships—and here’s why you shouldn’t wait:

Students holding open textbooks against their legs.

Start as Early as Possible

Ideally, you should start applying to scholarships ASAP. Even at the beginning of freshman year in high school. College may feel like it’s a long way away still, but there’s no such thing as starting a college fund too early.

Scholarships Add Up

The more you win in scholarship money, the less you have to take out in student loans. Scholarships don’t have to be repaid with interest, after all, and are by far the best way to pay for college because of that.

If you get a head start on winning scholarships, you’ll have that much more money in your college pocket.

Sallie Mae logo.

3 Repayment Options

Variable rates from 6.37% - 16.70% APR with auto-debit

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More Time, Less Stress

Junior and senior year get pretty busy. There are college visits, ACT/SAT study sessions, writing college app essays, submitting applications, and regular school on top of it all. While you should still definitely apply for scholarships during those years, it can lower your stress levels knowing you already have a few scholarships tucked under your belt.

Use College Raptor’s new Student Loan Finder to discover personalized loan options. Compare lenders and interest rates to find the ideal student loan—for FREE!


Lender Rates (APR) Eligibility
Citizens logo.
6.98%-15.04%* Variable
5.99%-14.00%* Fixed
Undergraduate and Graduate
Sallie Mae logo.
6.37% - 16.70% Variable
4.50% - 15.49% Fixed
Undergraduate and Graduate
Credibe company logo.
4.98% - 16.85% Variable
4.07% - 16.49% Fixed
Undergraduate and Graduate
Lendkey company logo.
6.07% - 11.31% Variable
4.39% - 10.39% Fixed
Undergraduate and Graduate
Ascent company logo.
6.24% - 15.85% Variable
4.29% - 15.76% Fixed
Undergraduate and Graduate
6.54% - 11.08% Variable
3.95% - 8.01% Fixed
Undergraduate and Graduate
Earnest company logo.
5.62% - 18.26% Variable
4.11% - 15.90% Fixed
Undergraduate and Graduate
4.98% - 12.79% Variable
8.42% - 13.01% Fixed
Undergraduate and Graduate
College Raptor is not a loan lender and does not assume responsibility for suggesting a loan to a user who may not be eligible for it. Rates, terms, conditions, eligibility, approval, and other considerations are the decisions of the lenders and may vary depending on which lender or marketplace the user selects. We urge users to carefully consider and review all loan options and terms before committing to taking out a loan.

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