The term college refers to an educational establishment which grants bachelor degrees in science, liberal arts, both, or in one specific study area. On the other hand, a university encompasses undergraduate studies, graduate and professional schools. A university is composed of different colleges.

* What is the difference between a Major degree and a Minor degree?

A major degree covers academic subjects where your study is chiefly concentrated, while a minor degree is classified as your second choice for scholastic specialization. Most often, the minor requires fewer credit hours than the major field of study.

* What are some ways to prepare for college financially?

Parents often start preparing financially for college when a child is very young, by investing in educational plans or mutual funds and opening a college savings account in a bank. Students can also begin saving money for their college education by having part-time jobs while they are still in high school.

* When is a good time to start applying for financial aid?

Start early. The sooner the better. Once you decide to enroll in college and you think you will need financial aid, then it is best to apply as soon as you qualify with the entrance examination.

After your parents have obtained their financial documents and other pertinent data such as income tax returns, you can file for financial assistance.

* Where can you find information about available scholarships?

There are various ways to search for available scholarship grants. You may want to start asking your local government if they have scholarship aids being offered. You may also want to check other centers for you to obtain the scholarships that you want:

- Guidance counselors

- Church

- Community Foundations

- Other Volunteer Organizations

- Chamber of Commerce

* How do you apply for local scholarships?

You need to prepare all important documents such as your academic performance report and your parents' financial statements. Before you fill out any form, carefully read the eligibility terms for each scholarship and choose only the ones suited for you.

After you have chosen the appropriate local scholarship for you, then it is time to fill out the forms needed. One important document you need to provide, together with your scholarship forms, is your cover letter citing the need for financial aid.

* Can you be awarded more than one scholarship to the same school?

Yes. Depending on the school rules and regulations, you may be eligible to have more than one scholarship at the same school. Most often, several scholarships are granted if it is under the "school scholarships" category. However if it falls under the "college scholarship" category then you are more likely to obtain one scholarship but can still acquire others outside your college jurisdiction.

* When should I apply to the college of my choice?

You can start applying to colleges as early as your junior year in high school. Make sure. though. that before you fill out any college application forms, your SAT or ACT results are handy.

If you have not started processing college applications during your junior year, you can still do so in your senior year. You need to prepare pertinent documents and fill out applications, together with your cover letter. You may also visit the school's admissions office for further information.