+

Cookies on the Business Insider India website

Business Insider India has updated its Privacy and Cookie policy. We use cookies to ensure that we give you the better experience on our website. If you continue without changing your settings, we\'ll assume that you are happy to receive all cookies on the Business Insider India website. However, you can change your cookie setting at any time by clicking on our Cookie Policy at any time. You can also see our Privacy Policy.

Close
HomeQuizzoneWhatsappShare Flash Reads
 

I grew up in poverty. Winning $13,000 in scholarships helped me graduate from college debt-free.

Apr 7, 2023, 22:20 IST
Insider
Javier Sarmiento graduated without debt.Javier Sarmiento
  • I grew up in poverty, so I couldn't take out loans when I enrolled in a four-year university.
  • I turned to scholarships — for months I kept applying and getting rejected.
Advertisement

I knew I wanted to go to college, but I didn't know how I would pay for it.

I'm from Harlem, New York, where I grew up in poverty. I lived in public housing, and my family used food stamps. When it came time for college, I struggled to understand how I could afford it.

I couldn't pay out of pocket. Student loans weren't an option either, because I knew I wouldn't be able to afford the monthly payments. I also didn't want my family to get stuck with the monthly payments, because they have nothing to give.

Instead, I focused on getting scholarships. Despite many setbacks, I earned over $13,000 in scholarships and thankfully graduated debt-free.

I started applying for scholarships in my junior year of college

Right out of high school, I enrolled in Stella and Charles Guttman Community College because it was close to home and affordable. Financial aid covered my entire tuition for the two years I attended.

Advertisement

After getting my associate degree, I enrolled in a four-year university named Buena Vista University. Again financial aid covered most of my tuition, but there was still a big chunk I needed to pay, and I didn't want to take out a loan.

The school was far from my home in Harlem, so I needed to move into a dorm on campus. The room and board brought my bill up. I needed to pay $2,500 before even starting my first semester.

That's when I turned to scholarships.

Searching for scholarships was like a full-time job

In 2019 I spent the summer researching and applying for scholarships. I spent several hours a day on my laptop, reading about deadlines and guidelines.

I scoured the web for resources. I tapped my community and professional contacts. I also turned to local organizations that offer funds to underrepresented people. I tried to stay as organized as possible by keeping all my research materials in a thick folder.

Advertisement

I wrote essay after essay. It was an extremely stressful time. For months I basically thought and dreamed about only scholarships.

But by the end of the summer, I'd won no scholarships. Zero.

Sixty scholarship competitions rejected me. I felt very disappointed. Part of me wanted to give up, but that isn't the person I am. I knew my hard work would pay off one day.

I'm thankful I didn't give up, because all that work paid off

In 2020 I received my first scholarship, for $500. I was excited; my perseverance had helped me score my first funding. Then I was offered a $1,000 scholarship. In 2022 I won 15 straight scholarships — the highest was $2,500.

In all, I earned $13,000 in scholarship funds. I was able to not only attend Buena Vista University and board there but also graduate debt-free.

Advertisement

This process built my character as I learned not to let rejection get in the way. Now as a graduate without debt, I feel like I'm exactly where I need to be.

Next Article