Stephen T. Kugle 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!

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!

A letter of recommendation (letter of rec) is a letter written by someone in your life who can speak to your achievements, positive traits, and potential. It's basically a summary of why you're great and deserve the scholarship or funding you're applying for! Typically, students ask teachers, mentors, coaches, or employers (never family or friends). FYI: You have to ask someone to write a letter of rec for you.

Yes! But make sure to read each scholarship application's essay guidelines and requirements, and personalize your essay to each scholarship you apply to. Using the same essay for multiple applications can be a time-saver, but changing just a sentence or two can make a difference!