Merit Blog

The college money guide families actually need.

Clear, honest answers about financial aid and merit scholarships.

73%
of families don't understand their financial aid offer.
May 1
Decision Day deadline. The date you must commit to a school.

How to Read a Financial Aid Award Letter

The BasicsMar 16, 2026

I Just Got My Financial Aid Offer — Here Are the First 5 Things to Do

Financial aid offers are arriving now. Before you celebrate, panic, or commit — here are the five things every family should do in the next 48 hours.

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FAFSA & FormsMar 15, 2026

FAFSA vs. CSS Profile: Which Schools Require Which?

The FAFSA and CSS Profile are both financial aid forms — but they serve different purposes, go to different schools, and ask very different questions. Here's what you need to know about each.

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Need-Based AidMar 15, 2026

Financial Aid for Transfer Students: What's Different and What to Know

Transfer students face a different financial aid landscape than incoming freshmen. Here's what changes, what stays the same, and how to maximize your aid.

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Application StrategyMar 15, 2026

How to Appeal a Financial Aid Decision

Financial aid decisions aren't always final. Here's exactly how to appeal, what to say, and when you have the best shot at getting more money.

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The BasicsMar 15, 2026

How to Compare Net Price Calculators (And Why the Numbers Vary So Much)

Every college is required to have a net price calculator — but the estimates they give vary wildly in accuracy. Here's how to use them effectively and what to watch out for.

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The BasicsMar 15, 2026

What Happens If You Miss the May 1 Deadline?

May 1 is the standard enrollment decision deadline for most colleges. Here's what actually happens if you miss it — and what your options are.

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Need-Based AidMar 14, 2026

How to Compare Financial Aid Offers From Multiple Colleges

Aid offers use different formats and terminology. Here's how to cut through the confusion, calculate your true net cost, and compare offers accurately.

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Application StrategyMar 11, 2026

Can You Negotiate Merit Scholarships? Yes, Here's How

Merit scholarships are more negotiable than most families realize. Here's how to ask for more aid and when it actually works.

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Application StrategyMar 11, 2026

Early Decision and Financial Aid: What You Need to Know

Early Decision is a binding commitment that limits your ability to compare financial aid offers. Here's what families need to know before applying ED.

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Merit AidMar 11, 2026

Financial Aid Renewal: How to Keep Your Scholarships

Most scholarships come with renewal requirements, and losing one mid-college is more common than families expect. Here's what to ask before you accept.

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Application StrategyMar 11, 2026

Higher GPA = More Money

When colleges award merit aid, GPA is often the deciding factor. Here's how GPA thresholds, renewal requirements, and school selection can affect your offer.

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Application StrategyMar 11, 2026

Higher SAT / ACT = More Money

Test-optional for admissions isn't the same as test-optional for merit aid. Here's how your SAT or ACT score can still directly affect your scholarship offer.

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Merit AidMar 11, 2026

How Much Merit Aid Can You Expect?

Merit scholarships range from modest discounts to full rides. Here's what drives the size of your award and how to know if an offer is actually competitive.

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Application StrategyMar 11, 2026

How to Find Colleges That Give Strong Merit Aid

The best merit aid depends on your student's academic profile. Here's how to find colleges where they're positioned to receive a competitive offer.

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The BasicsMar 11, 2026

Is My Financial Aid Package Good?

A financial aid package can look generous while hiding thousands in loans or one-time awards. Here's how to evaluate whether your offer is actually competitive.

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Need-Based AidMar 11, 2026

Merit Aid vs. Need-Based Aid: What's the Difference?

Need-based aid depends on your finances. Merit aid depends on your achievements. Here's how both work and which one matters most for your situation.

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Merit AidMar 11, 2026

Outside Scholarships and Financial Aid: What Families Get Wrong

Winning an outside scholarship doesn't always add money to your bottom line. Here's how scholarship displacement works and when outside awards actually help.

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The BasicsMar 11, 2026

The Data Behind Why Families Overpay for College

EAB research shows families overpay for college not from bad decisions, but from bad information. Here's what the data reveals.

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The BasicsMar 11, 2026

What Is Cost of Attendance?

Cost of attendance is the full estimated price of one year at college and the starting number in every financial aid calculation. Here's how to use it.

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Merit AidMar 11, 2026

What Is Merit Aid?

Merit aid is money colleges award based on achievements, not financial need. Here's how it works, who offers it, and why it matters for college affordability.

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FAFSA & FormsMar 11, 2026

What Is the CSS Profile?

The CSS Profile is a separate financial aid form required by about 200 colleges. Here's how it differs from the FAFSA, who requires it, and when to file.

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The BasicsMar 11, 2026

When Do Financial Aid Offers Arrive?

Most financial aid offers arrive mid-March through early April. Here's what affects timing, what the May 1 deadline means, and what to do when offers arrive.

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The BasicsMar 11, 2026

Why Comparing Financial Aid Offers Is So Hard (And What to Do About It)

Colleges present aid in different formats and terminology. Here's why comparison is so hard, and what families can do to cut through the noise.

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FAFSA & FormsMar 11, 2026

Why You Should Fill Out the FAFSA (Even If You Think You Won't Qualify)

Skipping the FAFSA because you think you won't qualify is one of the costliest mistakes in college planning. Here's what filing actually unlocks.

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The BasicsMar 7, 2026

How to Read a Financial Aid Award Letter

Financial aid award letters are surprisingly hard to understand. Here's how to break down your offer and determine what college will actually cost.

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