David L. and Frances G. Ray Scholarship

Each scholarship has a set of requirements: specific factors that determine whether or not you're eligible to apply. You can visit the scholarship site to find this information, or fill out the Mos quiz to be automatically matched with scholarships you qualify for! FYI: the more information you share with Mos, the better scholarship matches Mos will make!

You'll typically need to create an account to apply for a scholarship, and submit your application through their website—this is called a scholarship application portal. Not all scholarship providers use portals—some will just require that the application materials be sent via email. Tip: it's a good idea to write down your usernames and passwords to keep track of all your applications!

Financial need is determined by the information you enter into your FAFSA. It's the difference between how much it's going to cost you to go to college, your 'cost of attendance (COA)', minus how much of this cost can you / your family cover, your 'Expected Family Contribution (EFC)'. If your EFC is lower than your COA, you have financial need! If you're not sure about your EFC or COA, reach out to a Mos advisor for help!

If you haven't heard back within a few weeks, reach out to the scholarship organization! Some scholarship organizations email all the applicants to let them know if they were selected or not, while others only contact the winners—it usually depends on the number of applicants. It never hurts to follow up.