Ngaio Warrington is the second scholarship winner because she manipulated the rules — and we loved it.

Ngaio Warrington is only 18, but she she’s already won $19,000 in scholarships — for doing nothing.

The Georgia high school grad will attend Stetson University this fall. The small private school in the middle of Florida ain’t cheap, but Warrington will receive nearly $20,000 to cut into the bill, courtesy of a faculty scholarship that required no application.

“You don’t do anything,” Warrington says. “They just look at your transcripts, your SAT scores…”

But Warrington isn’t lazy. And she’s not wealthy.

“I have $19,000 left to pay for my first year of college,” she says. Her plan for paying that off? “If I receive about 38 $500 scholarships, the amount of money I owed for college would be $0.”

It’s a logical strategy for the woman who wants to be a computer engineer for Google. Big-dollar scholarships attract more applicants, so Warrington is hunting down the smaller ones — like the Scholarship For Aggressive Scholarship Applicants.


Warrington is the second winner of our scholarship. How’d she do it? She gamed the system, and we approve.

“When I saw your scholarship and that you had to apply for others, that’s when I just applied for as many as I could find,” she says.

She applied for nearly 20 scholarships in just a couple days. Which is just what we want to hear. Warrington divined our evil purpose — not only to dole out $500 every two months, but encourage students to avail themselves of all the free money out there.

Of course, it doesn’t hurt that Warrington was an honor-roll student with a 3.8 GPA and an IT internship. But she won for her determination, and her honesty.

“Applying for scholarships is like taking up another job,” she wrote in her cover letter. “It’s stressful and it takes a lot out of you, but every time I apply for another scholarship I feel a little more hope.” And maybe a little more money.

Meet the Author

Michael Koretzky

Michael Koretzky


Koretzky is a PFE-certified debt management professional and the editor of


college savings, save money, Scholarship Winner, student loans

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Article last modified on February 21, 2018 Published by, LLC . Mobile users may also access the AMP Version: How To Hack's Scholarship - AMP.