A conservative estimate of college costs for a full-time student runs from $10,000-$30,000; high-cost colleges can run from $40,000-$100,000. Most parents and students think that scholarships are only for students with excellent grades, low-income families or the athletically inclined.

A small example of the numerous scholarships available to students include: handicapped student scholarships, members of a church scholarships, scholarships for "C" students, veteran children's scholarships, scholarships for minorities and much more.

Although the majority of scholarships are from the federal government and are merit and/or need-based, millions of dollars are available to students from private sector scholarships.

Much of private sector financial aid goes unused because the parents and students do not know how or where to apply.

There are organizations that have spent hundreds of hours in research locating scholarship sources.

The U.S. Commission for Scholastic Assistance - College Bound is such an organization and supplies the public with over 1,000 different private scholarships sources.

The scholarship list include the scholarship names, addresses, application deadlines, summaries about the scholarships and the amount the scholarship will pay a child.

Many scholarships pay the entire tuition; others can be applied towards tuition, living expenses or other fees. Most scholarships can be used at junior colleges, career and vocational schools, four year colleges, graduate schools, medical and law schools.

For information on obtaining these scholarship lists, send a self-addressed, stamped, business-size, 10, envelope to The U.S. Commission for Scholastic Assistance, P.O. Box 650067, Potomac Falls, VA 20165-0067.

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