Scholarship – Fall 2018

12M Loans Scholarship 2018


Treating our customers with care, and working with them in a friendly and transparent way is the right instrument to motivate and teach them to use their money correctly.

We truly believe that building financial literacy should start at an early age. And just because we strive to be better at what we are doing, at 12M Loans we are launching now a scholarship for students in order to contribute to their financial education, and further to a better, more financially-independent world.


We are proud to present to you our Winners, who stood out of the majority given their visions, ambitions, and desire to learn.

After a thorough analysis of all the submissions based on correctness, originality, quality of content, and applicability of suggestions the following candidates have been selected so far as Winners in our Scholarship Contest.
Meet our Summer 2018 Scholarship WinnerAbiodun Oni!
Meet our Spring 2018 Scholarship WinnerEdidem Ekpoudom!

Scholarship Winners

Scholarship Information

12M Loans will grant a quarterly $500 Scholarship to students for covering education costs. The Scholarship will be recurring, and we will award it four times a year.

Scholarship Eligibility

- At least eighteen (18) years old;
- Full-time or part-time enrolled in a U.S. school, college, professional, trade school or accredited university;
- U.S.A. citizen or resident;
- Having a minimum cumulative GPA of 2.8.

Scholarship Eligibility and Information

12M Loans 2018 Scholarship topics

Our Scholarship Topics

You should submit an original video or infographic accompanied by an essay in English of no less than 750 words. Your application should reflect one of the following topics:
- What I Had to Sacrifice to be Able to Attend College
- My Strategy on Increasing the Chances of Getting a Job After College

Just Submit Your Application!

We are waiting for the applications (the link to the video or the infographic and the essay) at

All incoming e-mails should contain student’s contact information (name, date of birth, University, the city of residence, etc.), and the academic transcript for 2017 or the last semester.

The Deadline for submission is 10.31.2018.

Scholarship application

We Engage to

Analyze all incoming applications based on the criteria of correctness, originality, quality of content, and applicability of suggestions until 11.15.2018. We will announce the winner by e-mail within two weeks after deadline, requesting additional information to make the bank transfer.

Important Additional Aspects

- We will disqualify you if your work will be plagiarized, and will not comply with our requirements.
- We will not consider applications received after the deadline.
- If you send your application, you accept to make your name and photo public, in case of winning the scholarship or in case of qualifying as a finalist.
- In case of winning the scholarship or being selected as a finalist, we may post the work on our website without further notice.
- We do not apply any fees for taking part in our contest.

By applying for a 12M Loans Scholarship, you agree to the following terms and conditions:

  • Scholarship is intended for covering winner’s education costs.
  • Scholarships are awarded based on eligibility criteria established and outlined on the dedicated scholarship page of our website.
  • All correspondence between the applicant and 12M Loans (referred to as ‘the company” herein) will be operated primarily via email.
  • An applicant may apply for more than one scholarship.
  • The company has sole discretion of selecting scholarship recipients.
  • Scholarship winners will be contacted by e-mail within two weeks of the scholarship application deadline.
  • If winner will not reply by the date specified in the company’s message, the company reserves the right not to award the scholarship to the winner.
  • The scholarship may be awarded to another applicant in case the winner refuses to accept the scholarship.
  • The decision of all selection committees is final.
  • It is the responsibility of scholarship applicants to notify the company of any changes in contact information that may affect company’s ability to reach them during the award period.
  • Recipients may only win once at any given time.
  • Any successful applicant may be required to show proof that they are enrolled on, or have been accepted on, an accredited university.
  • Not presenting the necessary proof according to the eligibility criteria described on the dedicated page will result in disqualifying the applicant.
  • Scholarships will be remitted to the school the student attends, based on the information provided by the winner on where at the institution to send the award payment.
  • The scholarship can be paid into winner’s nominated bank account, or by other means, to be discussed between the company and the applicant.
  • The company reserves the right to make final decision on how payment is made, and can withdraw the offer of scholarship if an amicable and realistic payment process cannot be reached.
  • The application process is free of charge.
  • The scholarship winner will be required to submit a current photo, and a short information about his\her self.
  • By applying for the scholarship, the applicant grants the company permission to use the submitted materials on company’s site.
  • By applying for the scholarship, the applicant grants the company permission to use their photo and short biography on company’s site in case of winning, or in case of being selected as a finalist.
  • The company reserves the right to change the scholarship program at any time, including available scholarships, deadlines, requirements, award amounts or other program details.
  • The company reserves the right to cancel the Scholarship program at any point.
  • The company reserves the right to answer to all inquiries related to this topic within 72 hours from the receipt of the e-mail.
  • Applicant’s personal information will be treated in compliance with company’s Privacy Policy in force.
  • All information provided in the scholarship application is confidential and will be treated as such. The company will not share address or contact information with third parties.
  • Any complaints or inquiries can be sent to

Important details to consider

We Wish You Good Luck!

Summer 2018 Scholarship Contest Winner

Abiodun Oni Photo Name: Abiodun Oni
Institution: Johns Hopkins University
Major: Chemistry
Graduation Year: 2020
Social Profiles:   facebook icon
Abiodun has submitted an extraordinary essay and an explicit video on “Her Top 3 Financial Strugles in College”.


Spring 2018 Scholarship Contest Winners

Edidem Ekpoudom Photo Name: Edidem Christopher Ekpoudom
Institution: Clayton State University
Subject: Administrative Management
Graduation Year: 2022
Social Profiles:   facebook icon
Edidem has submitted an useful essay and an explicit video on “How to Build Healthy Borrowing Habits”.