From the Heart to Higher Education: The 2021 College Essays on Money
Each year, we ask high school seniors to send us college application essays that touch on money, work or social class. Here are five from this year’s incoming college freshmen. Read More
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From the heart to higher education: the 2021 college essays on money.
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***Despite the loud busking music, arcade lights and swarms of people, it was hard to be distracted from the corner street stall serving steaming cupfuls of tteokbokki — a medley of rice cake and fish cake covered in a concoction of hot sweet sauce. I gulped when I felt my friend tugging on the sleeve of my jacket, anticipating that he wanted to try it. After all, I promised to treat him out if he visited me in Korea over winter break.The cups of tteokbokki, garnished with sesame leaves and tempura, was a high-end variant of the street food, nothing …
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College Essays About Money Highlighted in The New York Times
Similarly, when you write your college essay, writing your authentic personal story in your own voice makes all the difference. Even though money and status can seem intimidating or even off-limits as topics, they are also worth exploring if they have truly shaped your life experience. A thoughtful exploration of a complex topic makes for a much more interesting read than a topic that plays it safe.
In what has become a yearly tradition, the New York Times recently selected seven stellar examples of college essays about money and work that tackle these complex subjects with honesty and perspective. We’ve selected two of our favorite excerpts to point out the importance of writing in your own unique voice.
1. Rob Henderson’s story speaks for itself and thus his simple telling is hugely effective, showcasing his experiences in all their complexity. The drama of his experience trying understand his mother’s divorce situation unfolds naturally and requires no embellishment. Let’s take a look:
She was a coworker of my mother’s named Shelly. She related that when adults are hurt, they can behave irresponsibly. I was grateful for her honesty and we became close. My mother soon entered a relationship with her. As a young boy, I was puzzled that my mother could now be in a relationship with Shelly. My mother explained that in our society young gay people are often socialized into believing they’re heterosexual and then, as adults, embrace their attraction to the same sex. This blew my 9-year-old mind and intensified my interest in the complexities of human behavior. My mother and her partner Shelly raised me into adolescence. Shelly was shot when I was 14. I was terrified that she wouldn’t survive; I felt great affection for her. I was rejected by other parental figures, yet Shelly chose to help care for me. She survived after extensive surgery and received an insurance settlement which she and my mother used to buy a home. One year later, our home was foreclosed. I’d developed enough resilience to overcome the ordeal and I decided to take initiative.
You couldn’t possibly pack more feeling into this essay. Sometimes a good story just needs to be told and adding extra bells and whistles can lead to overwriting that distracts the reader. Writing in your own natural voice demonstrates both authenticity and self control.
2. Adriane Tharpe begins her essay about working at Domino’s with a description of her fluid identity: “Whenever I donned my black visor and navy blue polo, customers didn’t see an art school feminist who loved banned books, French films and protest songs. I was a face, a face who took orders and tossed pizzas.” From there, her essay continues in its earnest yet quirky exploration of the ways in which pizza can unite people and reveals her to be a keen observer of the world around her.
Domino’s was like an Island of Misfit Toys floating in the middle of Alabama. My coworkers all joked about each other for what made us different: Richard was a walking Star Wars database, Mike was O.C.D. when it came to stacking pizza boxes, I was a vegetarian who often had to package the meat. Kristen, now 40, had worked at pizzerias since she was 14 and was currently filing applications to enroll in college. Terry preached to a small congregation when he wasn’t delivering. Ever since I moved here, I’ve felt like an outsider in my community. I live for the arts while my town prioritizes football and fishing. The general population is Caucasian, Christian, Republican, anti-gay, and pro-guns — or so I thought. At Domino’s, three of my coworkers fasted for Ramadan, one of the drivers read novels while waiting for deliveries and both of my bosses were women. The people who came in were far from homogenous, as diverse as the pizzas they ordered: Caucasian, Asian, African-American, and Mexican lawyers, firemen, construction workers, stay-at-home mothers, house painters. Many were married, some were divorced and some were single. Many had kids. Many were still kids. I couldn’t help but admire them.
Adriane’s most effective strategy is pointing out a host of details, which reveal not only a keen eye but a genuine compassion for those around her. This ultimately builds to a much larger observation about community and identity.
These are but two small excerpts from a series of stellar highlighted essays. As you can imagine, all are worth a full read.
Read the rest via The New York Times .
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Read our guide to the 2015-16 common app essay., read more about the college essay advisors process ..
About Thea Hogarth
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Written by Thea Hogarth
Category: College Admissions , Essay Tips
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I Signed Up to Write College Essays for Rich Kids. I Found Cheating Is More Complicated Than I Thought.
Like many English majors before me, I found myself walking across the graduation stage in 2019 knowing my college days were behind me—and that I’d soon be unemployed. Despite giving it my all and winding up with a near-perfect GPA, my only immediate options were continuing my part-time bartending job or going to grad school. Since I had already amassed nearly $70,000 in student loans, I chose the former.
For much of the next year, I bartended at the most popular pub in my college town, along with some freelance gigs. Then COVID hit. The bar closed. At first, they told us we’d only be off for two weeks to “stop the spread.” Two weeks turned to two months. Soon came a group text that the bar would be shutting down indefinitely.
When it came to stimulus checks and unemployment, part-time bartenders who are listed as dependents on their parents’ tax returns aren’t entitled to much. I was screwed. My self-esteem cratered. I was fighting with my parents daily. I had nothing to do, nowhere to go, and the countless work-at-home jobs I was applying to had landed me zero interviews.
Toward the end of April 2020, a college friend of mine reached out: “Are you looking for work? I work for this essay writing service, and they’re offering referral bonuses to anyone who joins the team.”
He told me he was writing essays for college kids for a website called Killer Papers, and he was making tons of money. The owner had claimed 30 percent sales growth since most students had moved to distance learning.
Just 24 hours later, I had already interviewed and written my first essay: $40 for a three-page “reflection paper” on how COVID had been affecting college students. Fitting.
I got a quick education on what this system for black-market essays really looks like. The overarching stereotype is that privileged sons and daughters of wealthy families use their money to cheat their way out of their work and into a degree. And … sure, this is often true.
“My parents are doctors, so we’re pretty loaded,” said one client, who claimed he was “cool with the owner of the site” and had been using it since 2017.
“Oh, nice!” I said as I ate my grilled cheese and typed my seventh paper of the day from the basement of my parents’ house.
More disappointing were the many parents who encouraged this behavior, with some going as far as requesting the essay and purchasing it all without their kid lifting a finger. Their children were so lazy that they couldn’t even work with me to get it done. “My son is on the lacrosse team, so try to incorporate a sports struggle into this narrative,” one mother instructed me. I did as I was asked, so long as they left me a tip so I could afford gas.
But for every privileged kid too lazy to write an essay, there was a more complex story. To my surprise, of the hundreds of clients I worked with, many—maybe most—students were simply desperate for the help.
They were not rich. Students would try to negotiate prices or work out payment plans. They said things like “I’ll be back to accept your offer on Friday when my check clears.” An assistant manager at Taco Bell, a drive-through operator at Wendy’s, a cashier at Whole Foods— you name it. My clients had a variety of low-income jobs and attended classes simultaneously. I’d ask them a question about their project, and they wouldn’t get back for a day or two. When I’d finally hear back, they’d say, “Sorry, I was working a double.”
And more often than not, it wasn’t students—or parents—at elite colleges purchasing papers. It was students at community colleges working for minimum wage who didn’t have time to write them.
It was single parents who had to balance work, child care, and college. They often had kids and multiple jobs, and they were just trying to advance their careers with a degree.
It was international college students. A few clients from China told me they could crush any American in calculus, but when it came to writing an English essay for their American lit class, they were at a major disadvantage, especially when COVID began and they went back to China.
The university writing centers that many relied on closed or moved online, but time zone differences meant it was tough to get the help they needed. When faced with the prospect of getting a poor mark or cheating, they chose the latter.
There was also the COVID factor. Variations of “I’ve been following Killer Paper’s Instagram page for years, but I never thought I’d use the site. I’m just so depressed, and my work is piling up” would fill my site inbox as quarantines continued to be extended.
And it got worse. My clients lost friends, family, and even professors. One customer told me that they were on their third professor of the semester for the same course last fall because the first two had died from COVID.
For all the official grumbling about services like mine among professors, I learned something else too: Many professors don’t want to be bothered with students’ struggles. As COVID marched on, so did the deadlines, and a lot of the professors were quite rigid with their rules. On the rubrics I would read from students, I remember seeing one that said, “No missed deadlines. I don’t want to hear your sob story.”
Many of my fellow essay writers themselves were in academia—they wrote papers for students because they couldn’t make ends meet.
If you had told me in March 2020 that in a few months, I’d be making more money as an academic ghostwriter than I ever had in my entire life, I’d have thought you were full of it. In the summer, it was never more than $500 a week for roughly 10 to 12 essays. But during the semester, it could be up to $2,000 a week for 30 to 40 projects—a numbing amount of writing, but a lot of cash.
By the time I started, I was too desperate to worry about the ethics. I felt more bad about the students who were scraping by and paying me for this work, but I developed a payment system where I cut minimum-fee deals for the clients who really needed it. And I justified it to myself, because I had been so out of options.
Eventually, I couldn’t do it anymore, and more opportunities opened up. I went back to bartending when my area reopened. I proofread ebooks, books, and college admissions essays, plus a little freelance writing like this. More “respectable.” But my own little slice of pandemic desperation gave me a window into what many others deal with no matter the times.
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NYTimes Annual College Admissions Essays on Money (Not Bad Things!)
Looking for more college admissions essay examples that tell a good story and effectively reflect on their anecdotes AND aren't about tough or traumatic topics?
Every year, the NYTimes publishes college admissions essays around particular themes. This year's essays around the topic of money are here .
Reading these essays is a great way to think about how you might take an ordinary topic or compelling anecdote and write engagingly about it -- and then reflect strongly on it. Telling a good story and telling why that story matters are the two most important parts of the college admissions essay!
Here are a few quick notes about why these essays work so well:
*Zoya Garg writes about another person (a supposed no-no) but we clearly see her own commitments (to feminism, to family, to helping others) shine through so this essay reveals as much about herself as it does about her mother.
*Adrienne Coleman's opening line is wrenching and infuriating to read. She follows it up with pointed and whip-like supporting anecdotes and brief, one-liners that encapsulate her fury, struggles to balance her beliefs with a world that doesn't give her that space, as she explores how these experiences help her to understand herself.
*Hoseung Nam's essay really caught me in one of his last paragraphs -- there's a long sentence that expertly balances his academic knowledge with his deepest worries and life experiences. The sentence starts out with a lot of economic jargon -- academic and very distant from his immediate experiences -- but then he concludes with a straight-forward and simple mathematical principle that shows how this academic knowledge reflects real-world problems. (The sentence starts "Although I can now conduct t-tests.")
*Neeya Hamed balances two stories -- the community she left behind in Sudan and the simultaneous welcome and repulsion she feels in America. There's a moment when she stops to reflect "I learned, however, that sometimes the color of my skin speaks before I can." It's a powerful, single line that conveys so much. This is the best way to include reflection in a story -- to tell a story, simply and engagingly, and then, almost casually, throw in the zinger that makes your audience sit up taller and listen harder than they were before. This is also a story about immigration, about feeling like you are in two places and want the best form both, but it doesn't focus on pain but on resilience.
*Chaya Tong nails the hook. She builds on it throughout her essay -- her line about being the "memory keeper" is outstanding. Her ability to not just see other people but to see herself in them, her compassion, is immediately compelling as is her absolute conviction that the ordinary matters, should be celebrated, should be remembered, and should be told.
Each of these essays avoids listing their accomplishments but instead reveals their writer's core values and shows how they demonstrate those values in their everyday. When they step back to reflect, they don't add a solid block of analysis (i.e. 'this is what I think,') but they add one-liners and asides that show us exactly what they are thinking and why that matters.
Hope you find reading these essays helpful as you think about how to share your own experiences and figure out how to be you in 650 words!
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May 27, 2021
The Influence of Money on College Essay Topics
They say that money doesn’t buy happiness. Well, it apparently also doesn’t buy wise decision-making when it comes to choosing a topic for the Personal Statement in college admissions. A piece in yesterday’s New York Times by Arvin Ashok entitled “ The Persistent Grip of Social Class on College Admissions ” focuses on a study that found college essay content is strongly related to household income. As an example, in the above chart from The New York Times compiled by the authors of the study , it seems that of the Personal Statements analyzed, students from more affluent backgrounds tend to write about travel, failure, and sports more so than do students from less affluent backgrounds. The study also finds that students from less affluent backgrounds are more likely to write about abuse, domestic instability, and immigration.
Loyal readers of our college admissions blog know that there are about six topics never to choose for a Personal Statement in elite college admissions. But if you’re a newbie to our blog, we’ll recap: sports, music, community service, grandparents, travel, and illnesses. So why oh why might you ask would affluent applicants choose to write about, say, travel? Why would they choose to flaunt their privilege in elite college admissions? Why would they choose to write about a trip to Costa Rica when the cost of that trip might well be a quarter of the annual salary of the very person evaluating the student’s case for admission? That admissions officer would likely love to hop on a jet to Costa Rica and take in some sun — jealousy is not exactly a motivating factor to offer a student admission. So, to answer the question, it’s because affluent students make the same sorts of poor choices in their college admissions essays as do students who do not come from low-income backgrounds. In fact, we’d argue affluent students so often make even more egregious errors in their college essays than do less affluent applicants. They flaunt privilege. It renders them unlikable.
One finding we most enjoyed from the study focused on the usage of commas. As Ashok writes in the piece in The New York Times , “The paper used software to classify essays written by nearly 60,000 applicants to the University of California system in 2016. The essays were quantified partly through syntax choices. The number of commas, total punctuation and longer words were correlated with higher household income, for example, although that doesn’t necessarily equate to better writing.” Yes, a plethora of commas does not necessarily equate to better writing. Who’d have ever guessed it?
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15 Great College Essays That Worked in 2021 With Examples
Let’s check out the list of college essay topics to choose from.
But before that:
We’ll have two interesting brainstorming exercises to help you find your own college essay topics
The question is; How do I know these exercises really work? Because over the years our team has worked with thousands of students, many of them of who are similar to you.
- Have satisfactory grades and a pretty good but not extraordinary SAT score
- Who are in doubt because they don’t have excellent extracurricular activities to write about
- They know their essay could make a difference in their college application but they don’t know where to start.
Do you find yourself in the same shoes?
What we can do is, we’ll go through step-by-step brainstorming exercises, find a topic that’s elastic, meaning a long enough topic talk, where there are lots of different parts of you, which is a feature you’ll find in most outstanding personal statements.
Great brainstorming leads to a great application. Check out an example of a student’s brainstorming exercises and the essays and applications that brainstorming led to.
The Values Exercise
With this exercise, you can identify your core values and your ambitions by answering this question: What do I value?
Values Exercise | College Essay Brainstorming Exercise
Download a printable version of the values worksheet, here
The Essence Objects Exercise
This brainstorming exercise has effective ways to create a lot of content for your personal statement and add flexibility to bring your essay to life.
Besides that, it’s just fun to do and a great way to reflect.
Have a look at this video and know what’s one of your essences objects
Essence Objects Exercise | College Essay Brainstorming Exercise
Check out the list of questions to help you with the exercise.
- What’s something you never leave home without?
- What’s a snack you crave?
- A food that reminds you of your family?
- A food that reminds you of home?
- A tradition that reminds you of home?
- What else reminds you of home?
- An object that represents your best friend?
- An object that represents your father? Your mother?
- Your grandparents, or lack thereof?
- Something you loved and lost?
- A toy you used to play with as a kid?
- Something that makes you laugh?
- A book you love? Best movie ever?
- Favorite guilty pleasure movie?
- An object that represents something abstract that you broke (a heart, a promise)?
- An object that represents a regret?
- A favorite gift you received? A favorite gift you gave?
- An object that represents a secret? (Don’t worry, this stays between us.)
- Something about you no one else knows?
- Something you stole?
- Something you found?
- Something that makes you feel safe?
- The worst thing that ever happened to you?
- The best thing?
- The logo on your imaginary business card?
- The image you’d like carved into your tombstone?
- An object that represents: a smell you love, a smell you hate, a taste you love, a taste you hate, the sweetest sound in the world?
- The most remarkable thing about science?
- Something you forgot?
- Something old? Something new? Something borrowed? Something blue?
- An accident?
- The best thing you ever found in the street?
- Best money you ever spent?
- Does your life lie? Your favorite object?
- Something from another country?
- Your favorite sentence?
- You’d cry if you lost this?
- An object that represents someone you’d like to know more about?
- Something you’ll never get rid of?
- A bad habit?
- A perfect moment?
- A time you laughed so hard you cried?
- A time you cried so hard you laughed?
- An image you’ll never forget?
- What they’d put in the museum of your life?
- The cover image on your first self-titled album?
- Three objects from your room?
- A near-death experience?
- A moment when you were so embarrassed you wanted to disappear?
- Recurring dream?
- Worst (actual) nightmare?
- When were you most afraid?
- If you had a clone, what would you have the clone do?
- First love?
- A time you were speechless?
- The moment you left childhood behind?
- A quotation you love?
- Your favorite photo?
The “Everything I want colleges to know about me.”
How to Figure out Everything You Want Colleges to Know About You
Create a list of things you want colleges to know about you.
- You can do this in a bullet point format or
- You can do this on a blank sheet of paper
- You can do it on a timeline
For more detailed instructions, head here.
College Essay Topic Examples
Check out the list of essay topics that actually worked
Essay topic title: The Burying Grandma
They covered the precious mahogany coffin with a brown amalgam of rocks, decomposed organisms, and weeds. It was my turn to take the shovel, but I felt too ashamed to dutifully send her off when I had not properly said goodbye. I refused to throw dirt on her. I refused to let go of my grandmother, to accept a death I had not seen coming, to believe that an illness could not only interrupt but steal a beloved life. To read the full essay, click here
Essay topic title: The “Laptop Stickers”
My laptop is like a passport. It is plastered with stickers all over the outside, inside, and bottom. Each sticker is a stamp, representing a place I've been, a passion I've pursued, or a community I've belonged to. These stickers make for an untraditional first impression at a meeting or presentation, but it's one I'm proud of. Let me take you on a quick tour. To read the full essay, click here
Essay topic title: The “Punk Rock Philosopher”
I am on Oxford Academy’s Speech and Debate Team, in both the Parliamentary Debate division and the Lincoln-Douglass debate division. I write screenplays, short stories, and opinionated blogs and am a regular contributor to my school literary magazine, The Gluestick. I have accumulated over 300 community service hours that includes work at homeless shelters, libraries, and special education youth camps. I have been evaluated by the College Board and have placed within the top percentile. To read the full essay, click here
Essay topic title: The “Granda’s Kimchi”
Every Saturday morning, I’d awaken to the smell of crushed garlic and piquant pepper. I would stumble into the kitchen to find my grandma squatting over a large silver bowl, mixing fat lips of fresh cabbages with garlic, salt, and red pepper. That was how the delectable Korean dish, kimchi, was born every weekend at my home. To read the full essay, click here
Essay topic title: The “Travel and Language”
When I was very little, I caught the travel bug. It started after my grandparents first brought me to their home in France and I have now been to twenty-nine different countries. Each has given me a unique learning experience. To read the full essay, click here
Essay topic title: The “Dead Bird” College Essay Example
Smeared blood, shredded feathers. Clearly, the bird was dead. But wait the slight fluctuation of its chest, the slow blinking of its shiny black eyes. No, it was alive. To read the full essay, click here
Essay topic title: The “I shot my brother”
From page 54 of the maroon notebook sitting on my mahogany desk:
“Then Cain said to the Lord, “My punishment is greater than I can bear. I shall be a fugitive and a wanderer on the earth and whoever finds me will kill me.” - Genesis 4:13. To read the full essay, click here
Essay topic title: The “Porcelain God”
Bowing down to the porcelain god, I emptied the contents of my stomach. Foaming at the mouth, I was ready to pass out. My body couldn’t stop shaking as I gasped for air, and the room started spinning. To read the full essay, click here
Essay topic title: The “Five Families” Essay Example
When I was 16, I lived with the Watkins family in Wichita, Kansas. Mrs. Watkins was the coordinator of the foreign exchange student program I was enrolled in. She had a nine-year-old son named Cody. I would babysit Cody every day after school for at least two to three hours. We would play Scrabble or he would read to me from Charlotte’s Web or The Ugly Duckling. He would talk a lot about his friends and school life, and I would listen to him and ask him the meanings of certain words. He was my first friend in the New World. To read the full essay, click here
Essay topic title: The “Happiness Spreadsheet” Essay Example
This one is Montage Essay, “Essence Object” Type
Meditation over a flaxen sunset with a friend and parmesan-topped spaghetti for dinner — “14.” Assignments piling up on my desk as a high fever keeps me sick at home — “3.” Taking a photo excursion through downtown Seattle for a Spanish project — “15.” For the past 700 days and counting, the Happiness Spreadsheet has been my digital collection for documenting numerical, descriptive, and graphical representations of my happiness. Its instructions are simple: Open the Google Sheet, enter a number between 1 and 20 that best represents my level of happiness, and write a short comment describing the day. But the practical aspect of the spreadsheet is only a piece of what it has represented in my life. To read the full essay, click here .
Essay topic title: The “food” essay example
Another Montage Essay, “I Love/I Know” Type
I’ve spent most of my life as an anti-vegetable carboholic. For years, processed snack foods ruled the kitchen kingdom of my household, and animal products outnumbered plant-based offerings. To read the full essay, click here .
Essay topic title: The “Translating” College Essay Example
Montage Essay, “Skill/Superpower” Type
".miK ijniM" This is how I wrote my name until I was seven. I was a left-handed kid who wrote from right to left, which made my writing comprehensible only to myself. Only after years of practice did I become an ambidextrous writer who could translate my incomprehensible writing. As I look back on my life, I realized that this was my first act of translation. To read the full essay, click here .
Essay topic title: Countdown days
Day 19: I am using my school uniform as a slate to tally the days. As the ink slowly seeps through the fabric of my shirt, I begin to understand that being a conscious Arab comes with a cost.
Day 7: I come across a live stream on social media, 1,200 Palestinian political prisoners are on their seventh day of a hunger strike against the Israeli occupation. It is the first I have heard of its occurrence. I allow myself to follow the news daily through social media while regional mainstream media and our local news channels refrain from reporting any news of the strike. To read the full essay, click here .
Essay topic title: My journey in Hajj
Day 1: “Labbayka Allāhumma Labbayk. Labbayk Lā Sharīka Laka Labbayk,” we chant, sweat dripping onto the wispy sand in brutal Arabian heat, as millions of us prepare to march from the rocky desert hills of Mount Arafat to the cool, flat valleys of Muzdalifa. As we make our way into the Haram, my heart shakes. Tears rolling down my cheeks, we circumvent the Ka’ba one last time before embarking on Hajj, the compulsory pilgrimage of Islam. It became the spiritual, visceral, and linguistic journey of a lifetime. To read the full essay, click here .
Essay topic title: 12
12 is the number of my idol, Tom Brady. It’s the sum of all the letters in my name. It’s also how old I was when I started high school. In short, I skipped two grades: first and sixth. Between kindergarten and eighth grade, I attended five schools, including two different styles of homeschooling (three years at a co-op and one in my kitchen). Before skipping, I was perennially bored. To read the full essay, click here .
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Chaos, Injustice and Joy: This Year’s College Essays About Money
Each year, we ask teenagers to send us their application essays about work, money or social class. Here are four, from California to Cambodia.
Left to Right; Sydney Carroll, Sam Smith, Haley Song and Shane McDermott Credit... Photos by Hailey Sadler, Peter Hoffman, Tina Hsu and Lee Klafczynski for The New York Times
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By Ron Lieber
- Dec. 16, 2023
Some of the most basic questions about money are also central to figuring out what and who you want to be: What do I have, what do I want, how does that compare to others around me and how should I feel about it?
In The New York Times’s 10th year of publishing teenagers’ college application essays about money, work, social class and other related topics, all four writers grappled with these questions in their own ways.
How should I handle my parents making a drastic change in how they earn their living? What will I do to get money, and why? What can I learn from careful attention to physical money itself? And how should I best process the riches and poverty that coexist within feet of each other — and of me?
None of the questions have easy answers, or correct ones, necessarily. But learning to ask the hard ones is a giant step toward understanding your place in the world.
Sydney Carroll
“We took ‘family owned and operated’ to a new level.”
Franklin, Tenn. — Battle Ground Academy
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Essays That Worked
The essays are a place to show us who you are and who you’ll be in our community.
It’s a chance to add depth to something that is important to you and tell the admissions committee more about your background or goals. Below you’ll find selected examples of essays that “worked,” as nominated by our admissions committee. In each of these essays, students were able to share stories from their everyday lives to reveal something about their character, values, and life that aligned with the culture and values at Hopkins.
Read essays that worked from Transfer applicants .
Hear from the class of 2027.
These selections represent just a few examples of essays we found impressive and helpful during the past admissions cycle. We hope these essays inspire you as you prepare to compose your own personal statements. The most important thing to remember is to be original as you share your own story, thoughts, and ideas with us.
Ordering the Disorderly
Ellie’s essay skillfully uses the topic of entropy as an extended metaphor. Through it, we see reflections about who they are and who they aspire to be.
Pack Light, But Be Prepared
In Pablo’s essay, the act of packing for a pilgrimage becomes a metaphor for the way humans accumulate experiences in their life’s journey and what we can learn from them. As we join Pablo through the diverse phases of their life, we gain insights into their character and values.
Tikkun Olam
Julieta illustrates how the concept of Tikkun Olam, “a desire to help repair the world,” has shaped their passions and drives them to pursue experiences at Hopkins.
Kashvi’s essay encapsulates a heartfelt journey of self-discovery and the invaluable teachings of Rock, their 10-year-old dog. Through the lens of their companionship, Kashvi walked us through valuable lessons on responsibility, friendship, patience, and unconditional love.
Classical Reflections in Herstory
Maddie’s essay details their intellectual journey using their love of Greek classics. They incorporate details that reveal the roots of their academic interests: storytelling, literary devices, and translation. As their essay progresses, so do Maddie’s intellectual curiosities.
My Spotify Playlist
Alyssa’s essay reflects on special memories through the creative lens of Spotify playlists. They use three examples to highlight their experiences with their tennis team, finding a virtual community during the pandemic, and co-founding a nonprofit to help younger students learn about STEM.
More essays that worked
We share essays from previously admitted students—along with feedback from our admissions committee—so you can understand what made them effective and how to start crafting your own.
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Read the college essay by Zoya Garg published in the New York Times, The 2021 College Essays on Money, then answer the following questions: This essay breaks a cardinal rule of college essay writing: Dont write about your mother! But by writing about her mother, what did the author reveal about herself? Identify at least three qualities the reader learns about the author, and the details from the text that support those qualities: 1. 2. Heart to 3. How does the vocabulary used in the essay facilitate or impede the readers experience? Explain. 4. What is one theme of this essay? How does the author develop this theme? Be specific. 5. In your opinion, why was this essay chosen to be featured in the New York Times? Why did the Times think that its readers would appreciate it? Write at least 250 words to support your response. Continue on the back, if necessary. 6.
%username% is waiting for your help., expert-verified answer.
- %answers_count% answers
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Final answer:
Garg’s essay illuminated her empathy, ambition and self-awareness through her mother's experiences. The sophisticated vocabulary invites reflection, enriches the reader's experience and develops the theme of overcoming adversity. It was probably chosen by the Times for its relatability and eloquence.
Explanation:
In The 2021 College Essays on Money by Zoya Garg, she bravely breaks a common rule of college essay writing, which is not to write about one's mother. By doing so, however, she reveals several intrinsic qualities about herself.
Firstly, she displays a deep sense of empathy by writing about her mother's struggles which shows her emotional intelligence. Secondly, she shows her resilience and determination to overcome challenges that her mother faced, displaying her ambition and drive. Thirdly, through her detailed reflections about her mother's impact on her life, Garg demonstrates a depth of self-awareness and personal insight that is both remarkable and inspiring.
The use of sophisticated vocabulary in the essay facilitates the reader's experience by inviting a deeper reflection on the themes and experiences discussed thereby engaging a vast range of readers.
A prominent theme in this essay is overcoming adversity . Garg develops this theme by sharing her mother's struggles, her empathetic reactions, and her personal growth as a result. The New York Times likely chose this essay due to its display of raw vulnerability, personal introspection, and the eloquence in tackling a sensitive subject that many could relate to; the complexities of maternal relationships.
Learn more about Analyzing Zoya Garg's Essay here:
brainly.com/question/31562216
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Get more answers for free, expand your knowledge with related topics.
- Essay on Overcoming Hardships
- Overcoming Adversity Essay Writing
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Top 70 No Essay Scholarships in June 2024
Will Geiger is the co-founder of Scholarships360 and has a decade of experience in college admissions and financial aid. He is a former Senior Assistant Director of Admissions at Kenyon College where he personally reviewed 10,000 admissions applications and essays. Will also managed the Kenyon College merit scholarship program and served on the financial aid appeals committee. He has also worked as an Associate Director of College Counseling at a high school in New Haven, Connecticut. Will earned his master’s in education from the University of Pennsylvania and received his undergraduate degree in history from Wake Forest University.
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One of the biggest misconceptions about scholarships is that they all require an essay. This is not true. In fact, there are many great scholarships that don’t require an essay at all. These no essay scholarships can range from quick scholarships that you can apply to in a few minutes to other scholarships that are focused on students with a specific talent.
Some no essay scholarships focus on art or other creative achievements. Still other no essay scholarships focus on students with a talent in more specific areas, such as filmmaking, physics achievement, or even duck tape prom creations! Whether you are a prospective high school, college, or graduate student, there are sure to be some “no essay” scholarships that are right up your alley!
Why choose Scholarships360
We helped over 4 million students find scholarships in 2023
We've spent over 4,000 hours reviewing 3,000 scholarship programs
13+ years of experience helping students make smart education decisions
The Scholarships360 Research Team reviews all scholarships individually and strives to exclude any scholarship where any of the below applies:
- The scholarship requires a fee to apply
- The scholarship provider’s privacy policy allows for the misuse of student data
- The scholarship requires paid membership in an organization (with certain exceptions for reputable trade organizations and others)
- Student are required to sign up for a site or service to apply*
- The scholarship seems primarily used for lead generation** or idea harvesting purposes***
- The scholarship website has many grammatical errors and/or advertisements
- The scholarship or scholarship providing organization seem untrustworthy
- There is no evidence the scholarship was previously awarded
- The scholarship has not been awarded in the past 12 months
- There is no available contact information
If you believe a scholarship has been published in error, please reach out to [email protected] and we’ll take a look!
* There are certain exceptions to this, for example if the sponsoring organization is a major corporation or nonprofit with its own scholarship application system. ** Lead generation scholarships will require students to sign up for an app or website and require minimal (if any) application requirements. ***Idea harvesting scholarships will require students to submit blog posts or other materials that companies may use for marketing purposes.
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$10,000 “No Essay” Scholarship This scholarship has been verified by the scholarship providing organization.
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The Scholarships360 $10,000 “No Essay” Scholarship is open to all students who want some extra help paying for their education. Whether you are a high… Show More
The Scholarships360 $10,000 “No Essay” Scholarship is open to all students who want some extra help paying for their education. Whether you are a high school student who hopes to go to college, a graduate student who’s in a master’s program, or an adult learner who wants to return to school, you are eligible for our no essay scholarship. This scholarship will be awarded to students who get the most out of Scholarships360 scholarships and content. You will be a strong applicant if you apply to scholarships with the Scholarships360 platform. Finalists for this scholarship will be interviewed about their process for funding their education. Show Less
$2,000 Sallie Mae Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by Sallie Mae
Sallie Mae will award $2,000 each month to eligible entrants. No essay or account sign-ups, just a simple scholarship for those seeking help paying for…
Sallie Mae will award $2,000 each month to eligible entrants. No essay or account sign-ups, just a simple scholarship for those seeking help paying for school.
$40,000 Build a College List Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by The College Board
Create a college list with six schools you're considering - no minimum GPA or essay required!
$10,000 CollegeXpress Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by CollegeXpress
Annual $10k scholarship from CollegeXpress open to all high school freshmen, sophomores, and juniors.
Niche $10,000 “No Essay” Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by Niche
Easy scholarship open to all high school and college students, as well as anyone looking to attend college or graduate school in the next year!
$25k “Be Bold” No-Essay Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by Bold.org
Open to high school students, college students, community college students, and graduate students.
$1,000 Appily Easy College Money Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by Appily
This easy scholarship from Appily is open to U.S. high school students (Class of 2025, 2026, 2027) and college transfer students. One scholarship will be… Show More
This easy scholarship from Appily is open to U.S. high school students (Class of 2025, 2026, 2027) and college transfer students. One scholarship will be awarded each month. Show Less
$5,000 Christian Connector Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by Christian Connector
Students applying to the $5,000 Christian Connector Scholarship must be current high school students (Class of 2025, 2026, or 2027) interested in attending a Christian…
Students applying to the $5,000 Christian Connector Scholarship must be current high school students (Class of 2025, 2026, or 2027) interested in attending a Christian university or college.
$2,000 No Essay CollegeVine Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by CollegeVine
Easy scholarship open to current high school students and college applicants. A free CollegeVine account with a completed chancing profile required to enter.
$2,000 Niche “No Essay” College Scholarship This scholarship has been verified by the scholarship providing organization.
Easy scholarship from Niche open to all high school, college, and graduate students.
ScholarshipOwl $50,000 No Essay Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by ScholarshipOwl
Easy scholarship open to all US-based high school, college, and graduate students. Each month, 4 winners will be selected to earn $1,000 each. In December… Show More
Easy scholarship open to all US-based high school, college, and graduate students. Each month, 4 winners will be selected to earn $1,000 each. In December 2023, there will be 2 additional winners earning $1,000 each. Applicant must be a resident of any of the 50 United States, District of Columbia or US Territories except for Rhode Island and Michigan. Applicant also must be 16 years of age or older and either be enrolled now, or will be enrolled within three months of registration in the Scholarship Sweepstakes, in a qualified high school, college or university within the United States. Show Less
$2,500 ScholarshipPoints Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by ScholarshipPoints
Easy $2,500 scholarship from ScholarshipPoints open to all students.
Unigo $10,000 Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by Unigo
This easy scholarship is open to all high school students who are at least 14 years of age. To apply, students must respond to the… Show More
This easy scholarship is open to all high school students who are at least 14 years of age. To apply, students must respond to the following essay prompt in 250 words (or less): "Would you rather be smart, funny or rich? Why?" On or about March 31, 2025, a qualified panel of judges will select one (1) potential winner based on the criteria of writing ability (25%), creativity (25%), originality (25%), and overall excellence (25%). Show Less
US Bank Student Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by U.S. Bank
The US Bank Student Scholarship is a no-essay scholarship opportunity for U.S. residents aged 17 or older who have been accepted to or are enrolled… Show More
The US Bank Student Scholarship is a no-essay scholarship opportunity for U.S. residents aged 17 or older who have been accepted to or are enrolled in a post-secondary institution to receive help funding their education. Each year, the scholarship awards up to $20,000 to multiple incoming and current undergraduate students who complete some of the U.S. Bank's "financial education lesson" modules. Each module takes approximately 1-2 minutes to complete, and the more that students complete, the more money they become eligible to earn. Applicants who complete 25+, 50+, 100+, and 200+ modules are eligible to receive $2500, $5000, $10,000, and $20,000, respectively. If this scholarship sounds like a fit for you, keep on reading for more application details. Show Less
FMAA Scholarship Program
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The FMAA Scholarship Program is funded by the Flag Manufacturers Association of America, an organization that educates the American public on issues pertaining to the construction and sale of the nation’s flag. Each year, the FMAA Scholarship Program awards up to $2,000 to multiple college-bound high school seniors who create a video about what the American flag means to them. If this scholarship sounds like a fit for you, keep on reading for more application details. Show Less
One Earth Young Filmmakers Contest This scholarship has been verified by the scholarship providing organization.
Offered by One Earth Film Festival
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Whether you're in third grade or are a post-graduate, if you love filmmaking, we may have the perfect opportunity for you: the Young Filmmakers Contest! Each year, the contest awards between $100 and $1,000 to applicants who submit videos about environmentalism. While there are seven categories split by age group and video type, each applicant’s video must relate to conservation or environmentalism in some way. While those in grade 11 and under are restricted to more specific topics, those in grade 12 and above have more freedom. Submissions may also be submitted individually or in groups. The contest is offered by the One Earth Film Festival, the Midwest’s premier environmental film festival that “creates opportunities for understanding climate change, sustainability and the power of people.” If you want to express your love for the earth through film, we encourage you to apply to the Young Filmmakers Contest! This is a great opportunity not just to earn money for college, but also to gain more film experience and bring awareness to important issues. Here are the full contest rules. Show Less
$2,000 CampusReel Virtual Tour Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by CampusReel
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CollegeXpress $1,500 Great Outdoors Scholarship This scholarship has been verified by the scholarship providing organization.
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The CollegeXpress $1,500 Great Outdoors Scholarship is an easy scholarship from CollegeXpress open to students who are 13+ and a legal resident of the 50 U.S. or D.C. A winner will be randomly chosen from among the applicants. If you're eligible, we encourage you to apply! To enter, simply apply on CollegeXpress and answer the following question: If you could travel to anywhere in the US, where would you go? Show Less
Slumber Search Scholarship
Offered by Slumber Search
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Are you a current or incoming undergraduate student with a passion for entrepreneurship and/or business? If so, consider applying for the Slumber Search Scholarship! Each year, the scholarship awards $1,000 to one current or incoming college student with a minimum 3.0 GPA who creates a short video (maximum of 5 minutes) answering the question "If you were to create a product or business to disrupt a current industry, what would you do and what would it be?" If this sounds like a good opportunity for you, we encourage you to apply! Keep on reading to learn more. Show Less
$2,000 Juno Scholarship This scholarship has been verified by the scholarship providing organization.
Offered by Juno
Easy $2,000 monthly scholarship from Juno open to all US-based students!
Top 5 no essay scholarships
Our editors hand-picked the following 10 no essay scholarships with an eye for large awards, prestigious organizations, and scholarships that are open to a wide variety of students. Apply with confidence to the following no essay scholarships:
- Coca Cola Scholarship – $20,000 scholarship for college-bound high school seniors
- Dell Scholars Program – For Pell Grant-eligible high school seniors who participated in a college readiness program. Worth $20,000 with 500 scholarships awarded every year. Recipients also receive a free laptop, textbooks, and more
- Taco Bell Live Mas Scholarship – Video scholarship for students between 16 and 26 with a passion for the field they are pursuing. Worth up to $25,000
- Burger King Scholars – Scholarship for high school seniors worth up to $50,000
- Doodle for Google Scholarship – Scholarship for K-12 students who submit a Doodle to be featured on Google’s homepage. Worth up to $55,000
Tips for students applying to no essay scholarships
Look for competitions rather than randomized drawings.
No essay scholarships are alluring because they do away with the pressure that comes with writing an essay for your application. Between your other academic responsibilities, extracurriculars, and other commitments, these essays can present a big roadblock for applicants.
However, you should bear in mind that you are not the only student with this idea. Many applicants are attracted to opportunities that are easy to apply to, and since many no essay scholarships are essentially scholarship sweepstakes, that means you have a very low chance of actually winning.
This is not to say that you should not apply to these opportunities, but that you should seek out scholarship opportunities that assess some materials submitted by applicants. Whether this is a video submission, a portfolio, or a photograph you took, it can help your chances greatly.
Be wary of scholarship scams
No essay scholarships are very popular with students because they typically don’t take much time to apply to. Unfortunately, this makes them all the more popular with scammers.
Before applying to any scholarship, and especially no essay scholarships, ensure that you are not giving away any personal information that could be used to steal your identity. Additionally, you should never pay a fee to enter a scholarship competition. For more information on how to avoid scholarship scams, check out our article on how to spot them .
If at first you don’t succeed…
Many no essay scholarships, especially the random drawings, select a winner each month and then reopen. To maximize your chances of winning, make sure to check back each month to throw your hat back in the ring.
Check out similar scholarship categories
If you are looking to apply for scholarships without putting too much time into essays, check out our lists of video scholarships and easy scholarships . While some of these may include short essays, they are generally much less of a commitment than typical scholarship applications.
Don’t over-rely on no essay scholarships
No essay scholarships can be a great no-effort way of applying for educational funding, but make sure that your overall scholarship strategy makes use of all potential funding sources. Make sure especially to seek out local scholarships through community organizations and your high school counselor.
Don’t forget financial aid
If you have demonstrable financial need, there is one source of free funds for your higher education that is even easier to get than no essay scholarships. This is federal financial aid, including the Pell Grant . Make sure to fill out the FAFSA on-time and send your results to your school in order to gain eligibility for federal, state, and institutional financial aid.
Apply to affordable schools
In addition to scholarships, it’s a good idea to ensure that you apply to some colleges that are known for offering an affordable education to their students. In-state public schools offer steep tuition discounts to their students, and tuition reciprocity agreements extend these benefits to some neighboring states as well. We also have a list of the best schools in the country for affordability . These schools are known for charging low tuition, offering generous financial aid, and offering a good value to their students.
Frequently asked questions about no essay scholarships
Are “no essay” scholarships legit, how can i increase my chances of winning a no essay scholarship.
- For scholarships with a creative or artistic element, make sure that you put all of your effort into your project! Remember, your application will be completely assessed on your creative project as there is no essay required.
- For scholarships that have minimal requirements, you should apply to them as often as possible to increase your odds. However, these types of scholarships should not be the only part of your application strategy.
Who can apply for no essay scholarships?
What qualifies as a no essay scholarship, are there gpa requirements for no essay scholarships.
Also see: How to write a scholarship resume
Explore these other scholarship categories:
- Top easy scholarships
- Scholarships for high school seniors
- Top scholarships for college students
- Top STEM scholarships
- Scholarships for women
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- Best Money Market Accounts
9 Best Money Market Accounts June 2024: Up To 5.48%
Updated: Jun 10, 2024, 8:30am
The best money market accounts (MMAs) offer high rates, minimal fees and low minimum deposit requirements. Many also provide easy access to funds, allowing account holders to write checks or make debit card purchases from the account. The right money market account for you will depend on your financial goals and how much cash you’re prepared to deposit.
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Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the banking methodology for the ratings below.
- 59 money market accounts studied
- 44 nationwide banks and credit unions considered
- 14 data points probed
Best Money Market Account Rates of June 2024
- Money Market Account Promotions for 2024
Best Money Market Accounts 2024
Are money market accounts worth it, current money market rates, money market rates trends, complete guide to money market accounts, what is a money market account, can you lose money in a money market account, pros and cons of money market accounts, who should get a money market account, how to choose a money market account, how to open a money market account, alternatives to money market accounts, methodology, money market account faqs, next up in money market accounts.
- Best CD Rates
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Here’s a list of the best money market accounts our experts have found, ordered from the highest to lowest annual percentage yield (APY).
- Best for Emergency Funds: First Internet Bank Money Market Savings — Up to 5.48% APY
- Best for Parking Cash: Vio Bank Cornerstone Money Market Account — 5.30% APY
- Best for Debit Card: Quontic Bank Money Market Account — 5.00% APY
- Best for Deposit Insurance Coverage: Zynlo Bank Money Market — 5.00% APY
- Best for Savings Goals: Sallie Mae Bank Money Market Account — 4.65% APY
- Best for Guaranteed Competitive Rates: EverBank Yield Pledge Money Market — Up to 4.30% APY
- Best for Access to Cash: Ally Bank Money Market Account — 4.20% APY
- Best for Check-Writing Privileges: Connexus Credit Union Money Market Account — Up to 3.91% APY
- Best for Mobile Banking: Bethpage Federal Credit Union Money Market Account — Up to 2.00% APY
See below to learn more about why we picked each account, the pros and cons, and to access individual bank reviews.
Annual percentage yields (APYs) and account details are accurate as of June 6, 2024.
Quontic Bank Money Market Account
Annual Percentage Yield
Minimum Deposit Requirement
Monthly Maintenance Fee
| Account | Company - Logo | Forbes Advisor Rating | Forbes Advisor Rating | Best For | Annual Percentage Yield | Minimum Deposit Requirement | Learn More CTA text | Learn more CTA below text | Learn More |
|---|---|---|---|---|---|---|---|---|---|
| Connexus Credit Union Money Market Account | 4.8 | Best Money Market Account With Check-Writing Privileges | Up to 3.91% with $1,000,000 minimum balance | $1,000 | On Bankrate.com's Website | ||||
| Quontic Bank Money Market Account | 4.7 | Best Money Market Account With a Debit Card | 5.00% | $100 | On Quontic Bank's Website | ||||
| Zynlo Bank Money Market | 4.7 | Best for Deposit Insurance Coverage | 5.00% on balances of $250,000 or less | $10 | On Bankrate.com's Website | ||||
| First Internet Bank Money Market Savings | 4.5 | Best Money Market Account for Emergency Funds | Up to 5.48% | $100 | On Bankrate.com's Website | ||||
| Ally Bank Money Market Account | 4.4 | Best for Access to Cash | 4.20% | $0 | On Bankrate.com's Website | ||||
| Sallie Mae Bank Money Market Account | 4.4 | Best for Savings Goals | 4.65% | $0 | On Bankrate.com's Website | ||||
| EverBank Yield Pledge Money Market | 4.4 | Best for Guaranteed Competitive Rates | Up to 4.30% | $0 | On Bankrate.com's Website | ||||
| Vio Bank Cornerstone Money Market Account | 4.1 | Best for Parking Cash | 5.30% | $100 | On Bankrate.com's Website | ||||
| Bethpage Federal Credit Union Money Market Account | 4.0 | Best for Mobile Banking | Up to 2.00% | $1 | On Bankrate.com's Website |
| Year | Average Annual APY |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 | |
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Money market accounts (MMAs) are a type of deposit account—offered by traditional banks, credit unions and online banks—that generally walk the line between checking and savings accounts. You get the interest-earning power of a high-yield savings account and, with many MMAs, the accessibility of a checking account, including a debit card and check-writing privileges.
Money market accounts don’t offer as much liquidity as checking accounts because the number of transactions you can make per statement cycle is often limited. But they tend to provide more access to your cash than a savings account.
What Is a High-Yield Money Market Account?
A high-yield money market account is a money market account that pays an interest rate multiple times higher than the average money market account rate, as determined by the FDIC. You can typically find high-yield money market accounts at online banks and credit unions.
How Does a Money Market Account Work?
Money market accounts work similarly to savings accounts in that you earn interest on the funds you deposit. These accounts aren’t meant for everyday spending, like a checking product. But they tend to offer limited liquidity and access to funds—you may be able to write checks or make debit transactions.
Money market accounts are considered safe investments so long as funds are held at a financial institution insured by the FDIC at banks or the NCUA at credit unions. The FDIC insures funds held at banks up to $250,000 per depositor, for each account ownership category, in the event of a bank failure. The NCUA provides similar coverage for all federal and most state-chartered credit unions.
Money market accounts are also safe because they are not investment accounts. Your deposits are held securely until you need them, not invested in risky assets such as stocks. Except for fees and penalties, there is no way to lose insured deposits in an MMA .
Money market accounts offer a middle ground between savings and checking, providing the interest earnings of a savings account and the liquidity (check-writing and debit card capabilities) of a checking account. However, they’re not without drawbacks and might be too restrictive for some savers.
| Many money market accounts come with checks and debit cards, allowing you to spend your savings, make withdrawals and transfer funds. | Many banks and credit unions impose transaction limits and charge a fee for excess withdrawals. |
| Money market accounts earn interest on funds you keep on deposit. These rates often compete with the best high-yield savings accounts. | The rate of interest on a money market account isn’t fixed, meaning it can fluctuate. You won’t know exactly how much you will earn over time. |
| MMA funds are insured when held with banks backed by the FDIC or credit unions backed by the NCUA. | Many money market accounts require high deposits to open and high balances to earn the best rates and avoid monthly fees. |
Money market accounts might be worth considering if you:
- Want to earn a higher APY on your savings
- Need easy access to your funds in case of an emergency
- Prefer a savings account that comes with checks or an ATM card
- Enjoy the flexibility of being able to deposit and withdrawal funds whenever you want
When To Use a Money Market Account
When you have enough money to meet minimum balance and deposit requirements for a money market account, it might be time to open one. Money market accounts may require anywhere from $500 to $5,000 to open and earn interest, which is significantly higher than most savings accounts. Hold off on opening one if you can’t meet these requirements.
Money market accounts can help you save for both short- and long-term goals, so you can find many opportunities to use them. If you can meet minimums comfortably, you might decide to open a money market account instead of or in addition to a savings account. Money market accounts are more flexible because they often come with a debit card or check-writing capabilities, giving you easy access to money you want to save but may need.
You can also use a money market account for secondary expenses, almost like an additional checking account. This way, you can maximize your interest while keeping cash close.
In considering the best money market account for your needs, weigh the pros and cons. Here’s what to consider when shopping for a money market account:
- APY. One of the most important aspects of a money market account is the rate at which it earns interest or dividends, that is, its APY . Look for an account that offers a competitive APY while meeting your other needs.
- Fees. Watch out for monthly fees , excessive transaction fees and other fees that can eat into your returns.
- Minimums. Minimum deposit and balance requirements vary by institution. Generally, lower minimum requirements make it easier to maintain the account. Find an account with minimums that you can afford.
- Customer experience. Especially if you’re banking at an institution with limited branch access, make sure the bank or credit union offers customer care representatives that are accessible and responsive to your requests.
- Digital banking. Consider the online and mobile banking features you use most often. Then look for accounts at banks and credit unions that meet or exceed those expectations.
- Accessibility. Banks and credit unions vary on how they allow you to withdraw funds from a money market account. Some offer check-writing and debit card privileges. Although the Federal Reserve Board has suspended Regulation D , which restricts the number of transactions a saver can make per cycle from their savings account, each institution has its own policies. Ask about withdrawal options and the excess transaction fee of each institution before you open an account.
- Safety. Look for an account insured by the Federal Deposit Insurance Corporation ( FDIC ), which provides up to $250,000 in insurance per depositor, per bank, for each account ownership category, in the event of a bank failure. At credit unions, make sure the account is similarly insured by the National Credit Union Administration ( NCUA ).
You can open a money market account in person or online by following these steps:
- Gather the required documentation, such as your Social Security number and proof of identity.
- Compare money market accounts from different financial institutions to find the best rates and fees.
- Complete the online application process with your chosen financial institution—or visit a branch if online applications aren’t available.
- Fund your account via direct deposit, a check or a transfer from an existing account.
Confirm your account is open and in good standing by checking your money market account balance regularly.
You may find that other savings products meet your financial needs better than a money market account. Below are some of the alternatives you may want to consider.
Money Market Account vs. Savings Account
When comparing a money market account to a savings account , you’ll find that a money market account is a type of savings vehicle that often includes some checking account features like check-writing privileges and a debit card.
Money market accounts usually require a higher initial deposit and may have minimum balance requirements to earn the APY.
Find The Best High-Yield Savings Accounts Of 2024
Money market account vs. certificate of deposit (cd).
Unlike a money market account, CDs are time-deposit accounts that generally lack liquidity. With these products, you agree to lock up your money for a certain period of time. In return, you earn a fixed rate of interest on your principal balance. Money market accounts earn variable rates that can change at any time. Though many factors influence the interest rates available on both accounts, money market rates can be competitive with CD rates .
The better you understand the differences between money money accounts and CDs , the better savings decisions you can make.
Money Market Account vs. Money Market Mutual Fund
Money market accounts are interest-bearing savings accounts through financial institutions, while money market mutual funds are low-risk investment funds available through brokers. A money market account is FDIC-insured, but a money market mutual fund is not.
To create this list, Forbes Advisor analyzed 59 money market accounts at 44 financial institutions, including a mix of traditional brick-and-mortar banks, online banks and credit unions. We ranked each account on 14 data points within the categories of APY, minimum requirements, customer experience, digital experience, fees and accessibility of funds. All of the accounts on our list are online-based accounts.
Here’s the weighting assigned to each category:
- Minimums: 15%
- Customer experience: 10%
- Digital experience: 10%
- Accessibility of funds: 10%
Banks and credit unions offering the highest APYs rose to the top of this list, as did those with low fees and easy-to-meet minimum deposit and balance requirements. Accounts with high customer experience ratings and highly rated online and mobile banking tools were also ranked higher. And we prioritized money market accounts offering check-writing and debit card privileges.
We also considered whether there were complex tier structures or requirements to earn the APY or other stipulations to earn the APY. High minimum deposit and balance requirements affected scores negatively. The money market account must be nationally available to appear on this list.
To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Reviews Banks .
Banks We Monitor
Our research is sourced from the following financial institutions: ableBanking , Ally Bank , Axos Bank , BankDirect, BankPurely, BankUnitedDirect, Bethpage Federal Credit Union , BMO Harris , BrioDirect Banking , CFG Community Bank, CIT Bank , Connexus Credit Union , Discover , First Internet Bank, iGoBanking, Investors eAccess, Keybank, Memory Bank, My eBanc , NASA Federal Credit Union, Nationwide Bank, NBKC Bank , Northern Bank Direct , Northpointe Bank , Pacific National Bank, Pen Air Federal Credit Union, PenFed , PNC Bank , Presidential Bank FSB, Quontic , Redneck Bank, Regions Bank, SalemFiveDirect, Sallie Mae Bank , Synchrony Bank , TAB Bank , EverBank , TotalDirect Bank , U.S. Bank , UFB Direct, Virtual Bank , Vio Bank , Zions Bank and Zynlo Bank .
Who has the best money market rates?
Vio Bank, Connexus and Ally Bank currently offer among the highest money market rates on accounts with no or a low minimum balance requirement. First Internet Bank and Connexus also offer some of the best MMA rates if you can meet the higher minimum balance required to earn the full APY.
Are online banks the best choice for money market accounts?
It depends. Because they have lower overhead costs, many online banks pay higher interest rates than traditional banks. When researching money market accounts, pay attention not only to the annual percentage yield (APY) but also to the minimum deposit requirements, minimum balance requirements and any associated fees.
Are money market accounts FDIC insured?
Yes, so long as they are at a financial institution insured either by the FDIC or the NCUA . All of the banks on our list are FDIC insured up to $250,000 per depositor, for each account ownership category, in the event of a bank failure. The NCUA provides similar coverage for all federal and most state-chartered credit unions. Connexus Credit Union is insured by the NCUA.
Can you write checks from a money market account?
This practice varies. Some money market accounts allow you to write checks from the account or make debit card transactions. Generally, you’re limited to making six transactions per statement cycle, but each institution makes its own policies. Before opening an account, make sure to ask about withdrawal and excess transaction fees.
Are money market account rates fixed?
No, money market accounts have variable interest rates that can move up or down over time. Consider another banking product, like CDs, if you’d like a fixed interest rate.
How do you close a money market account?
If your account is in good standing, you can withdraw the account balance and request an account closure at a branch, by phone or online. Depending on the bank, you may not be able to close your account online. Some banks may assess a fee if you close your account within a few months of account opening.
Is a money market account a savings account?
Yes, a money market account is a type of savings account. You earn interest on the funds you deposit, and the interest you earn is compounded and deposited into your account.
What is the risk of a money market account?
Like other bank accounts, money market accounts are insured by the FDIC or NCUA up to $250,000 per depositor per account in case of bank failure. This means you can rest assured that your money market account funds are safe up to this limit. If you need to deposit more than this amount, there are options for insuring your excess funds . But remember that money market accounts, while safe places to stash your money, are not the most lucrative and don’t always outpace inflation. You’ll need to be comfortable with risk—i.e., investing in stocks—to maintain your money’s buying power.
Are money market accounts taxable?
Yes, money market accounts are taxable. Any interest earned in a money market account is considered income by the IRS. Your bank or credit union should provide a 1099-INT form each year reporting taxable interest payments made to your account. If you don’t receive this form, you still must report taxable interest alongside your income when doing your taxes. And because MMAs are not tax-advantaged, everything you contribute is post-tax earnings.
- Best Business Money Market Accounts
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Managing Editor, Global Data and Automation for Forbes Advisor. Mitch has more than a decade of experience as personal finance editor, writer and content strategist. Before joining Forbes Advisor, Mitch worked for several sites, including Bankrate, Investopedia, Interest, PrimeRates and FlexJobs.
Kevin has been writing and creating personal finance and travel content for over six years. He is the founder of the award-winning blog, Family Money Adventure, and host of the Family Money Adventure Show podcast. He has been quoted by publications like Readers Digest and The Wall Street Journal. Kevin's work has been featured in Bankrate, Credible, CreditCards.com, Fox Money, LendingTree, MarketWatch, Newsweek, New York Post, Time, ValuePenguin and USA Today.
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June 18, 2021 | Cohen & Associates
From the heart to higher education: the 2021 college essays on money.
Each year, we ask high school seniors to send us college application essays that touch on money, work or social class. Here are five from this year’s incoming college freshmen.
Read more here:: NY TIME Your Money
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2024 Memorial Tournament purse, prize money: Payouts from $20M pool as Scottie Scheffler sets money record
Another significant paycheck was on the line at muirfield village.
The PGA Tour's seventh signature event of the season is in its final round as the 2024 Memorial Tournament takes center stage at Muirfield Village. While the Memorial marks one of the last big-money tournaments on the PGA Tour schedule, it also kicks off a highly lucrative three-week stretch in professional golf.
A combined $60 million will be up for grabs between the Memorial, the U.S. Open and Travelers Championship -- two signature events surrounding the third major of the season -- over the next three weeks. Muirfield Village ultimately welcomed 73 players this week, and it was once again Scottie Scheffler that claimed victory at a significant tournament and brought home a massive check to go with it.
Scheffler, back in form after a couple recent hiccups, won for the fifth time in his last eight events . Those five wins are the most in a single season for any PGA Tour golfer since 2017 (Justin Thomas), and given what remains on the calendar, Scheffler now has an opportunity to join the rare eight-win club.
What he has already accomplished, though, is setting a new PGA Tour earnings record for a single season. Collecting $4 million for winning the Memorial, Scheffler has now claimed over $24 million this season -- $3 million beyond what he earned in 2023 when he last set the PGA Tour earnings record.
The $4 million paid out to Scheffler matched the sum up for grabs at the Genesis Invitational and Arnold Palmer Invitational on the PGA Tour calendar. And if Scheffler remains on a heater, he could clean up close to eight figures over the next couple of weeks.
Those inside the top 11 all cleared $500,000, while every player inside the top 21 made more than $250,000 with those inside the top 50 bringing home at least $52,000.
Let's take a look at the payout list for the 2024 Memorial Tournament.
2024 Memorial Tournament prize money, purse
Total purse: $20 million
1st: $4,000,000 -- Scottie Scheffler 2nd: $2,200,000 3rd: $1,400,000 4th: $1,000,000 5th: $840,000 6th: $760,000 7th: $700,000 8th: $646,000 9th: $600,000 10th: $556,000 11th: $514,000 12th: $472,000 13th: $430,000 14th: $389,000 15th: $369,000 16th: $349,000 17th: $329,000 18th: $309,000 19th: $289,000 20th: $269,000 21st: $250,000 22nd: $233,000 23rd: $216,000 24th: $200,000 25th: $184,000 26th: $168,000 27th: $161,000 28th: $154,000 29th: $147,000 30th: $140,000 31st: $133,000 32nd: $126,000 33rd: $119,000 34th: $114,000 35th: $109,000 36th: $104,000 37th: $99,000 38th: $94,000 39th: $90,000 40th: $86,000 41st: $82,000 42nd: $78,000 43rd: $74,000 44th: $70,000 45th: $66,000 46th: $62,000 47th: $58,000 48th: $56,000 49th: $54,000 50th: $52,000 51st: $51,000 52nd: $50,000 53rd: $49,000 54th: $48,000 55th: $47,000 56th: $46,000 57th: $45,000 58th: $44,000 59th: $43,000 60th: $42,000 61st: $41,000 62nd: $40,000 63rd: $39,000 64th: $38,000 65th: $37,000 66th: $36,000 67th: $35,000 68th: $34,000 69th: $33,000 70th: $32,000
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Each year, we ask high school seniors to send us college application essays that touch on money, work or social class. Here are five from this year's incoming college freshmen.
From the Heart to Higher Education: The 2021 College Essays on Money. Each year, we ask high school seniors to send us college application essays that touch on money, work or social class.
What can you learn from the Times' college essays about money, work and class? How can they help you craft memorable, standout essays? We made you a guide!
From the Heart to Higher Education: The 2021 College Essays on Money. Bill Muskegy June 18, 2021 *** In spite of the loud busking audio, arcade lights and swarms of people today, it was really hard to be distracted from the corner street stall serving steaming cupfuls of tteokbokki — a medley of rice cake and fish cake lined in a concoction ...
Posted on June 18, 2021 by Stylianos Hatzakis From the Heart to Higher Education: The 2021 College Essays on Money. Home » News, Insights & Trends » Business » From the Heart to Higher Education: The 2021 College Essays on Money. Share ***Despite the loud busking music, arcade lights and swarms of people, it was hard to be distracted from ...
Similarly, when you write your college essay, writing your authentic personal story in your own voice makes all the difference. ... In what has become a yearly tradition, the New York Times recently selected seven stellar examples of college essays about money and work that tackle these complex subjects with honesty and perspective. We've ...
Jun 18. Jun 18 2021 College Essays on Money (New York Times) Megan Freitas. These are beautiful examples of the power of the college essay to give a glimpse into a student's life experiences beyond anything a transcript or test score could demonstrate. If you have a rising senior in your life , summer is the time to dive into college essays.
He told me he was writing essays for college kids for a website called Killer Papers, and he was making tons of money. The owner had claimed 30 percent sales growth since most students had moved ...
Check out these outstanding college essay examples. Learn how to write your personal statement and supplemental essays for college applications.
Reading these essays is a great way to think about how you might take an ordinary topic or compelling anecdote and write engagingly about it -- and then reflect strongly on it. Telling a good story and telling why that story matters are the two most important parts of the college admissions essay! Here are a few quick notes about why these ...
Family income is a predictor of essay quality, says the study. But admissions officers can tell when an essay has been ghost written by a high-priced consultant.
The Influence of Money on College Essay Topics. There was a great piece in yesterday's The New York Times focusing on a study that analyzed college essays. They say that money doesn't buy happiness. Well, it apparently also doesn't buy wise decision-making when it comes to choosing a topic for the Personal Statement in college admissions.
Are you looking to find your own college essay topics? In this article, I'll give you 15 College Essays That Worked in 2021 With Examples
Each year, we ask teenagers to send us their application essays about work, money or social class. Here are four, from California to Cambodia.
Find essays that "worked," as nominated by our admissions committee, to share stories that aligned with the culture and values at Hopkins.
In 2021-22, average published tuition and fees for full-time in-district students at public two-year colleges range from $1,430 in California and $1,950 in New Mexico to $8,600 in Vermont.
In The 2021 College Essays on Money by Zoya Garg, she bravely breaks a common rule of college essay writing, which is not to write about one's mother. By doing so, however, she reveals several intrinsic qualities about herself.
Apply for these no essay scholarships that are open to high school students, college students, and graduate students today!
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The best money market accounts are offering up to 5.48% APY from First Internet Bank and 5.30% APY from Vio Bank.
From the Heart to Higher Education: The 2021 College Essays on Money Each year, we ask high school seniors to send us college application essays that touch on money, work or social class. Here are five from this year's incoming college freshmen.
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If you're eligible for a fee waiver, you can take the SAT for free and get other benefits. SAT fee waivers are available to low-income 11th- and 12th-grade students in the U.S. or U.S. territories. If you qualify, benefits include two free SAT tests, unlimited score reports to send to colleges, and waived application fees at participating ...
Apply for an ROTC scholarship in order for the Army to help you pay for college, all while gaining invaluable leadership skills.
2024 Memorial Tournament purse, prize money: Payouts from $20M pool as Scottie Scheffler sets money record Another significant paycheck was on the line at Muirfield Village