European Stars and Stripes (Newspaper) - May 23, 1991, Darmstadt, Hesse                                Have you got the write stuff for a winning essay if so you could win a scholarship sometime the hardest part of pursuing a scholarship u finding the Lime to write an application essay. There ate Many Maryland scholars who Are never considered for financial awards simply because they do not Teeth la May ill a would Itkin to continue his education and earn As mba a apply for them he biggest problem for most people is that they done to take time to sit Down and apply said Keith Lulu an air Force senior master sergeant at his education Center Lutz read a brochure describing the various us scholarships in Europe and decided he might have the makings of a winning scholarship submission Good grades and something to shy., mis efforts paid off literally. Lutz s essay won him a Chancellor s Bucca laureate la vol award two years a ago it a president s scholarship in december 1990 enabled him to continue his education. A Lutz who is stationed at bad. Kreuz Nach with the 622nd tactical control flight urges others with Strong academic records to take the time and make the Effort. A if you done to get a scholarship you have Only lost a few  a Lutz has three More classes to take to finish his bachelors degree in computer studies which he Hopes to Maryland students Anita and dwt Olszyk Are married musicians computer studies a pcs and Maryland in Holanik a  it helps a lot to take the same courses a David said a we help each other along an. Army staff sergeant stationed with the 84th army band in Stuttgart David has played the Bassoon since High schools part of an English 101 assignment David wrote on essay for the president s baccalaureate scholarship sent it to the. Appropriate committee and won an award in december at the same time Anita won a presidents a award. Quot i d Tell scholarship applicants to go for it. Its Worth it a Anita said a that extra Money can really help if you have a family a. ,.Anita first decided to work on1 a degree with Maryland after she was trained on new computers on her Job. For the past two years she has been working and studying full time Anita studied cello at Rutgers University in new Jersey before marrying and moving to Europe. Man preferred Fain a a foot a a m adult a the said. Student tra in Dsa Beau a they warn to be  after graduating this May an Ltd piers to take some Omen to facies but wants break before starting graduate Segool ,. A. Quot # . A i appreciate the Opportunity i have to use the scholarship since i pay my own tuition a said Deborah formic another scholarship Winner a family member living in Eschborn she Doe not receive tuition  is working on herbs in business and management. Tomsic says Sho enjoys her classes because there Are a Many students who really put their hearts into their studies and really try a to learn/1 a when you begin writing your application essays a just write from your own experience a she advised. A it can t Hurt to try.�?�. Jack Hoxie whose wife is stationed at Iraklion air station on the Island of Crete said he could not have afforded his studies without the scholarships he received from Maryland. A i was Happy about the Chance to go to school Quot said heft la s be amp Klow student graduating with a Swinbu fes and management this month �?o1 consider myself Vety it sudsy ural Maryland offer Clasmae in Europe and that h provide source of fib Tuoti Aid such a this Scio Biship Hoade wrote in i application for a president scholarship. A full time student Hoxie it extremely serious about i studies. Scholarships have helped him offset the Cost of taking three classes each term. He will graduate after three and a half years of study. Hoxie even flew to Ramstein for two terms to attend six classes not often available in Greece in order for the couple to spend some time together his wife Kimberly came to visit him during a two week term break. A i laugh at those students who Are in classes Only to get credit and do the minimum to get by a Hoxie said a they Are Only hurting  if you have Good grades take the next step toward winning a scholarship apply today for More information about Maryland scholarships Contact a Field representative at your education Center. A. Most Maryland students could be eligible for financial Aid in the form of either a Grant or a loan students should Start now to be ready for the new academic year. ,. Where to Start begin by obtaining the 1991-92 european division financial Aid packet and the application for Federal student Aid from a Maryland Field representative at your education Center the us packet is designed to be your personal guide to applying for financial Aid through Maryland. Work car full through All the fact sheets tips and worksheets before attempting to fill out the Federal application. Once you have completed your Federal application mail it to the Federal processing Agency in Princeton new Jersey. Keep legible photocopies of All documents worksheets and application forms because you May need to submit these to Maryland As part of your 1991-92 financial Aid file first time applicants if you Are a first time applicant you should Start a 1991-92 Maryland financial Aid file by completing the financial Aid application Umfs-0g4 found in the us packet and sending it to the umps financial services office so in Heidelberg. You must also have financial Aid transcripts sent to Heidelberg from All colleges you have previously attended. Once you receive your student Aid report Sar from the Federal processing Agency mail it to the so by certified mail include signed photocopies of your and your family s 1990 irs tax returns the Federal and Maryland worksheets and copies of any other documents used to Complete your original Federal application. The so cannot process Grants or Loans until the financial Aid file is Complete. Using the student financial Aid checklist in / the us packet will help you keep track of the status of your application through the entire  returning recipients if you. Are a returning Marylain 1990-91 financial Aid recipient you must Start a 1991-92 Maryland a a Aid file by completing Law financial Aid applicant App i found in the us pact and to the so. Asm Etui recipient however Jou Needle i a it i a1.1 your valid 1991-9 your Maryland Fin the Federal proc your Sar for instance you will n forms financial d worksheets used to original Federal App Licati along with your iding ring a it Only Sei Sar of Tompley Cial Aid in Ulel ors have if cation. In to submit All tax mentation and Splete your Ipp Licati it the so Sar. Requirements Federal regulate Maryland financial services use the sarm a require mentation to do Ermine digit any Type of Finandal Aid. For financial Aid apr cants application procetakes1 weeks. For rcturningfl90-91 a financial Aid recipient however whole application process considerably less time. The University of Maryland participates in the five major Feder Dent Aid programs which Arl awarded to eligible students either if the form of arrant which does not have to be repaid or a student  who seek any Type of Federal financial Aid Are required by Federal regulations to apply for a Pell Grant before any other Type of financial Aid can be. Processed. For Many students Pell Grants provide a foundation of financial Aid to which assistance from other programs May be added. To a receive financial Aid students lust be enrolled in at least three Smester. Hours per term. Students eking Loans Are cautioned that Amft Nihil enrolment in three credits sch Tern a in the entire loan period lived if the loan Dis in sent has of arrived. Majol Grants programs Fange from $100 to 2,40 Lemd do no have to be repaid Ligi Biffle mined by the Federal a censors and Quot shown on the valid Lart 1991-92 Sar Pell Grants can bed concurrently with to or a but Sura cts must be enrolled in at least 3 Semese hours to be eligible. Grants Are also retroactively awarded to the beginning Bothe academic year applying or a Pell Grant May be Cas dered for four exams As flows Grants can provide up to Academe year to eligible Fuents Ith the highest financial Ever fiddling is very limited is Depp ruined by the so Are Jalme by the so directly to the a table students during the us year Stafford Loans formerly guaranteed student Loans allow Les men and sophomores to borrow up s $2,625 and juniors and seniors up to 1,000 each academic year. Students must find their own lenders obtain and Complete a loan application and submit it to the so. Eligibility is determined by the Federal processors. Borrowers must have a Complete Maryland financial Aid file. Interest is 8 percent and repayment begins six months after the student ceases to attend College on a half time basis. ,. Perkins Loans can provide Lon term Federal Loans of up to $1,000 per academic year to eligible students with the greatest financial need however funding is very limited. The current a interest rate is 5 percent and the University of Maryland acts As the Lender. Students must submit a formal letter by 30 nov. 1991 to the so which will notify awarded students directly. Repayment of the loan begins after the student ceases to be enrolled on at least a half time  Loans for students Sis and parental Loans plus allow eligible students or parents of students to borrow up to $4,000 per academic year. Students and parents find their own lenders to obtain. A Oan application Sis borrowers must have a Complete Umed financial Aid file and be considered for both a Pell ran and. A Stafford loan before an Sis loan can be processed. Interest is currently 10,45 percent. Repayment of the principal for Sis Loans can be deterred upon request. However repayment of the plus begins 60 Days alter disbursement. Remember financial Aid is available to most Maryland students but Only you can take the Steps necessary to receive that Aid. Start now and have your financial Aid approved and ready to use when the 1991-92 academic year begins in August. For More information Contact your Maryland Field representative or Call it Francial services office at Heidelberg military ets 370 6762 or 7157 or civilian 06221 378324