finance student personal statement examples

Sample Personal Statement Accounting and Finance

by Talha Omer, MBA, M.Eng., Harvard & Cornell Grad

In personal statement samples by field.

The following personal statement is written by an applicant who got accepted to several top accounting and finance programs. Variations of this PS got accepted at the University of Michigan, Vanderbilt, and Indiana University. Read this personal statement to understand what a top essay in Accounting and Finance should look like.

Example Personal Statement Accounting and Finance

I have never made popular choices, whether academic or professional. Where high academic achievement irrefutably means pursuing a career in Medicine or STEM, I opted for a career in management. I was free to choose a path for myself, owing to my performance during an extensive pre-induction professional training program. Fortunately, I picked a path that everyone believed was insignificant.

My decision to move to a new city to pursue my path did not receive encouragement. Making my own decisions has given me the freedom to dream and make it a reality. It has strengthened my belief that I am the only one who can bring a difference for myself and those around me. Brazil’s institutions may seem frozen, yet, at the grassroots, Brazil is in perpetual motion with ceaseless creativity. To accelerate this motion, we need to bring better and more affordable solutions; I plan to do that.

Growing up in Brazil, I have constantly questioned why we are still not growing economically despite having abundant resources. I frequently discussed the economic factors affecting us with my father, leading me to work at local NGOs and attend voluntary programs. My interest intensified when I discovered during these experiences that the unequal distribution of resources was a major cause of our economic constriction.

Moreover, our medical, engineering and academic professionals would not work in rural areas due to a lack of facilities, further debilitating the imbalance. It made me realize that we could only reap the benefits of our efforts if there were a proportionate distribution of resources. Realizing how effective mobilization of resources can aid in eradicating social ills, I developed an interest in management. This equipped me with technical knowledge and provided room for opinion building.

Pursuing this path, I joined the leading undergraduate institution in the country. The zeal with which I made this decision led me to graduate summa cum laude. While studying, I taught communication skills to undergraduate business students from rural areas. Meeting these students compelled me to get involved even though I lacked formal teaching training. Through empathy and friendly get-togethers, I was able to help these students conveniently traverse in English. With this experience, I understood that my time and energy had been well spent and that as an agent of change, one does not necessarily need to be exceptional; instead, one requires creativity, patience, and emotional intelligence.

After graduation, I followed through with my goal of facilitating change by joining the banking sector as an accounting and finance trainee. By working in Brazil’s most vital financial sector, I was exposed to diversified experiences, from being as simple as issuing customer chequebooks to designing accounting and credit proposals to the tune of USD 1.2 billion. Furthermore, while working on individual projects, I developed an in-depth understanding of international accounting rules that regulated trade transactions; the learning opportunities were immense.

Two and a half years of experience in the finance sector brought me to work for the country’s central bank. The anxiety that accompanied moving away from home for the first time was overwhelmed by my professional and personal growth. Nine months of extensive training and on-the-job assignments exposed me to interminable learning opportunities. However, my real gain has been in the form of self-improvement and growth that accompanied my first experience living independently. Leaving the protective living that I enjoyed with my family is challenging, but it has developed and strengthened my capabilities of taking and owning my decisions. Above all, knowing that my family is not always around to guide me has instilled in me a greater sense of responsibility.

During the two a half years of experience in accounting and finance, I observed the financial exclusion experienced by some important yet financially constrained sectors of the economy. This exposure motivated me to join the Development Finance Department upon my appointment to the country’s central bank. Moreover, most of the firms operating in any country of the world are either small or medium enterprises. Thus, providing an enabling environment to such enterprises is significant for economic growth and employment generation.

In Brazil also, 90 percent of the enterprises are small and medium-sized, and lack of access to formal sources of finance is a significant impediment to these enterprises’ growth. Therefore, a huge room for improvement is available concerning the development of policy framework and market infrastructure for the financial inclusion of this sector. As a part of the central bank, I have been allowed to intervene in a system that is not effectively performing its role of financial intermediation. Innovation in financial products, development of accounting and risk mitigation strategies are requirements to alleviate this segment’s financial exclusion.

By broadening my exposure and enhancing my knowledge, I aim to equip myself better to address the shortcomings of one of the critical segments of the economy.

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• Finance Personal Statement Examples

Here are two finance personal statement examples from some of the best students in undergraduate and postgraduate programmes. Both examples you can use as inspiration and motivation to write your own personal statement for university . 

Finance Personal Statement

Ever since I discovered my passion for the finance industry at a young age, I have been determined to pursue a career as a financial consultant and advisor. It is this unwavering ambition that has led me to apply for the MSc course in Finance at the esteemed London School of Economics and Political Science (LSE). I firmly believe that this course will provide me with the necessary tools and knowledge to achieve my career goals by expanding my understanding of financial products, the intricate workings of financial markets, and investment banking.

The reputation of LSE as a university of academic excellence is one of the key reasons for my decision to apply. I am aware of the university’s ability to equip students with critical analysis skills that are essential for becoming leaders in their chosen sectors. Moreover, being located in the heart of London provides unparalleled opportunities for networking and professional development in the world of business and finance. The course’s comprehensive approach, which strikes a balance between theoretical and practical modules, is also highly appealing to me.

My educational background in accounting has laid a solid foundation for my advanced studies in finance. Through my coursework in accounting, I have developed strong numerical skills and gained practical experience in management accounting and reporting roles within financial firms. It was during my studies that I discovered a particular interest in Strategic Financial Management, where I was introduced to financial products such as equities, derivatives, fixed income, and bonds, along with their significance in financial markets. Building on this knowledge, I have become a qualified accountant and have gained valuable work experience as an Associate at Deloitte, where I am part of the project management team, responsible for decision support. This role has honed my ability to work under pressure and within tight time constraints, allowing me to meet urgent and conflicting deadlines.

To stay up-to-date with the dynamic financial market, I avidly follow financial news through subscriptions to reputable media platforms such as the Financial Times, the Economist, and Bloomberg. Additionally, I engage in various hobbies such as travelling, watching movies and documentaries, and reading to broaden my knowledge and stay informed about current affairs. As a sports enthusiast, I follow tennis, football, boxing, and Formula One racing. These diverse interests have cultivated qualities such as ambition, intuition, focus, and self-discipline, which drive me to excel in any endeavour. I value the input and opinions of others, making me an effective team player, while also possessing the independence and initiative to work autonomously. I firmly believe that these qualities will contribute to my success as a finance analyst and enable me to excel academically.

Looking toward the future, I aspire to establish a reputable financial consulting firm in my home country, Nigeria. This firm would provide a range of financial services to both companies and public institutions. I recognise that achieving this goal will require years of experience, cultivating the right connections, and personal determination. Pursuing an MSc in Finance from LSE will better equip me to manage corporate, strategic, and financial opportunities, while also providing the opportunity to learn from talented professors and compete with exceptional graduates. I am convinced that this course is a crucial step toward realizing my long-term aspirations.

The increasingly evident impact of financial risk on our world has captivated my interest like never before. The interplay between the financial sector, government, and the general public dominates news stories, emphasizing the significance of understanding the industry. With my passion for finance nurtured from an early age, I have dedicated myself to attaining a comprehensive understanding of both the theoretical and practical aspects of global finance through high-level studies and extensive work experience in diverse industrial and international contexts.

Currently, in my fourth year of a degree in Finance, Risk, and Investment at Caledonian University, I have developed a strong foundation of knowledge in the field. Moreover, I have delved deeper into specific areas

Finance Personal Statement Example

Since my early years, extensive international travel has shaped my perspective on the world, particularly the stark economic contrasts between the ‘Third World’ and the ‘Western World.’ Having the privilege of experiencing different cultures and economies through my parents, who have lived in Africa, Europe, and the USA, I have developed a deep curiosity about the mechanisms that drive global economies. This curiosity has led me to pursue Economics at A Level, as I believe it is at the core of world discussions and can provide a comprehensive understanding of current news articles and their correlation to the subject.

Through my readings, such as Tim Harford’s ‘The Undercover Economist,’ I have come to appreciate the analogy that economics is like engineering, offering insights into how things work and the consequences of changing them. I see economics as an intricate puzzle, requiring economists to integrate economic theories with government policies to solve complex economic problems. Attending conferences at prestigious institutions like the University of Warwick and Oxbridge has broadened my perspective on economics, with theories like Freakonomics intriguing me and sparking a desire to explore the unexpected links between seemingly unrelated phenomena.

My passion for economics is complemented by a strong affinity for mathematics , which has been nurtured since my childhood. From playing mental maths games to tackling complex problem-solving at A Level, I have developed analytical abilities that were put to the test during a taster day at Cass Business School. Through quick thinking and effective teamwork, I excelled in a trading shares simulation, resulting in my group being the most profitable. Furthermore, my participation in a business management enterprise day at the University of the West of England allowed me to showcase my skills, leading to the recognition of the ‘Best Business Idea.’

To gain practical experience in the finance sector, I sought work opportunities that would provide me with invaluable insights. My time at Britannia Building Society exposed me to the inner workings of retail banking, allowing me to shadow the branch manager, work closely with financial planning advisors, and handle transactions at the tills. This experience introduced me to financial assets, including options for investing in bonds, shares, and increasing savings. Additionally, working at Harrison’s Accountancy and Insolvency Agency gave me valuable knowledge about liquidations and insolvencies of businesses, further solidifying my interest in pursuing a career in finance.

Staying updated with current financial affairs is crucial to me, and I regularly read the economy sections of reputable sources such as the BBC website and The Economist. Subscribing to a weekly update from RBS provides me with topical developments in the financial markets. Alongside my commitment to academic and professional pursuits, I have also developed essential skills through my job at O2 Retail. This experience has sharpened my interpersonal skills and honed my ability to negotiate mutually beneficial deals for both customers and the company. As a captain of my football team, I have learned the value of leadership, motivation, and maintaining high team morale, skills that have translated into success in class debates and the trading shares simulation at Cass Business School.

During a recent trip to Switzerland, I had the opportunity to meet with the assistant vice president at Credit Suisse, who shared insights into exchange rate processes within a leading investment bank. These conversations further solidified my understanding of the close relationship between economics and the finance sector.

Through a comprehensive study of Level Economics and practical experiences, I have been able to bridge the gap between theory and real-world situations. Engaging with professionals in the field has deepened my appreciation for the vital connection between economics and finance. I am confident that pursuing a university education will equip me with the necessary knowledge and skills to navigate the dynamic and fast-paced world of financial markets.

My passion for finance and economics was sparked by the Lehman Brothers’ bankruptcy and the subsequent financial crisis when I was 21 years old. The events of that

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• Personal statement: finance and accounting

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Dr Fatimah Zainudin from the University of Southampton’s management school is looking for 'the "chemistry" that makes an applicant shine out,’ so try and demonstrate your enthusiasm about the course and the buzz you'll get from studying it.

'What we love to see is a passion for the subject itself. If you fall in love with the subject, that’s what will lead to success on the course; it will give you the right chemistry,' she says.

Demonstrate your enthusiasm

If you can demonstrate what's sparked your interest in finance and accounting, that's a good start – but it’s no good just saying you’ve got a passion for it, you have to show it.

If you’re not the kind of person who gets very passionate about things, don’t worry. But do still try to explain what it is that attracts you to studying it. Then back it up with evidence of your relevant skills, knowledge or experiences and show that you understand something about what’s involved. That should solve it.

See our in-depth guides to studying finance or accounting at university, from typical modules to career paths, for some inspiration.

Finance and accounting personal statement must-haves

• Get the basics right: good communication skills are essential to anyone working in the finance sector, so make sure your statement is well-written. Nobody is asking for a literary masterpiece here, just a well-structured and waffle- and error-free statement.
• Interest in the subject: Sheffield Hallam University is looking for you to demonstrate 'an interest in and awareness of accounting and finance, or some level of practical experience.' Similarly, Bristol is looking for 'interest and commitment to the subject.' This means conveying enthusiasm for studying it and showing that you understand something about it, whether that comes from reading, work experience, or studying relevant topics in your A level, BTEC, or Higher course.
• Business awareness: University of Bath selectors are expecting students to have an interest and aptitude for 'quantitative analysis of business issues.' Demonstrate this with evidence that shows your abilities for applying mathematical skills to the analysis of business problems.
• Beyond the classroom: The University of Bristol is looking for 'intellectual curiosity – reading or research beyond the A level (or equivalent) syllabus.’ This is always good practice in personal statements, provided you then reflect on what you learned from your wider reading or research – they don’t just want a list.
• Relevant outside interests: if you choose to include extra-curricular activities, make sure they are relevant or showcase appropriate personal characteristics, skills, or achievements. Apply the 'so what?' test: if you play the flute or basketball, can you make that relevant to your future success at university, or should other factors take priority in your 47 lines?

Make the most of any experience

If you’ve had some work experience , that’s great. It doesn’t matter whether it’s a couple of weeks spent shadowing an accountant, a couple of hours just talking to one, a part-time job in a financial, retail, or business environment, or a scheme like Young Enterprise. What does matter is that you write about something relevant that you have learned from it. But, as Sheffield Hallam and LSE say on their websites, experience is not essential, so don’t panic if you don’t have any.

Your commitment to studying accounting or finance as an academic subject is usually the key requirement. However, if you can also show that extra ingredient of passion and a glimpse of the ‘chemistry’ that exists between you and the subject, then your application really will stand out.

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How to Write an Amazing Personal Statement (Includes Examples!)

Lisa Freedland is a Scholarships360 writer with personal experience in psychological research and content writing. She has written content for an online fact-checking organization and has conducted research at the University of Southern California as well as the University of California, Irvine. Lisa graduated from the University of Southern California in Fall 2021 with a degree in Psychology.

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Zach Skillings is the Scholarships360 Newsletter Editor. He specializes in college admissions and strives to answer important questions about higher education. When he’s not contributing to Scholarships360, Zach writes about travel, music, film, and culture. His work has been published in Our State Magazine, Ladygunn Magazine, The Nocturnal Times, and The Lexington Dispatch. Zach graduated from Elon University with a degree in Cinema and Television Arts.

Bill Jack has over a decade of experience in college admissions and financial aid. Since 2008, he has worked at Colby College, Wesleyan University, University of Maine at Farmington, and Bates College.

Maria Geiger is Director of Content at Scholarships360. She is a former online educational technology instructor and adjunct writing instructor. In addition to education reform, Maria’s interests include viewpoint diversity, blended/flipped learning, digital communication, and integrating media/web tools into the curriculum to better facilitate student engagement. Maria earned both a B.A. and an M.A. in English Literature from Monmouth University, an M. Ed. in Education from Monmouth University, and a Virtual Online Teaching Certificate (VOLT) from the University of Pennsylvania.

The personal statement. It’s one of the most important parts of the entire college application process. This essay is the perfect opportunity to show admissions officers who you are and what makes you stand out from the crowd. But writing a good personal statement isn’t exactly easy. That’s why we’ve put together the ultimate guide on how to nail your personal statement, complete with example essays . Each essay was reviewed and commented upon by admissions expert Bill Jack. Let’s dive in!

Related: How to write an essay about yourself  

What is a personal statement? 

A personal statement is a special type of essay that’s required when you’re applying to colleges and scholarship programs. In this essay, you’re expected to share something about who you are and what you bring to the table. Think of it as a chance to reveal a side of yourself not found in the rest of your application. Personal statements are typically around 400 – 600 words in length. 

What can I write about? 

Pretty much anything, as long as it’s about you . While this is liberating in the sense that your writing options are nearly unlimited, it’s also overwhelming for the same reason. The good news is that you’ll probably be responding to a specific prompt. Chances are you’re applying to a school that uses the Common App , which means you’ll have seven prompts to choose from . Reviewing these prompts can help generate some ideas, but so can asking yourself meaningful questions. 

Below you’ll find a list of questions to ask yourself during the brainstorming process. For each of the following questions, spend a few minutes jotting down whatever comes to mind. 

• What experiences have shaped who you are? 
• What’s special or unique about you or your life story? 
• Who or what has inspired you the most? 
• What accomplishments are you most proud of? 
• What are your goals for the future? How have you arrived at those goals? 
• If your life was a movie, what would be the most interesting scene? 
• What have been some of the biggest challenges in your life? How did you respond and what did you learn? 

The purpose of these questions is to prompt you to think about your life at a deeper level. Hopefully by reflecting on them, you’ll find an essay topic that is impactful and meaningful. In the next section, we’ll offer some advice on actually writing your essay. 

Also see:  How to write a 500 word essay

How do I write my personal statement? 

Once you’ve found a topic, it’s time to start writing! Every personal statement is different, so there’s not really one formula that works for every student. That being said, the following tips should get you started in the right direction:  

1. Freewrite, then rewrite 

The blank page tends to get more intimidating the longer you stare at it, so it’s best to go ahead and jump right in! Don’t worry about making the first draft absolutely perfect. Instead, just get your ideas on the page and don’t spend too much time thinking about the finer details. Think of this initial writing session as a “brain dump”. Take 15-30 minutes to quickly empty all your thoughts onto the page without worrying about things like grammar, spelling, or sentence structure. You can even use bullet points if that helps. Once you have your ideas on the page, then you can go back and shape them exactly how you want. 

2. Establish your theme 

Now that you’ve got some basic ideas down on the page, it’s time to lock in on a theme. Your theme is a specific angle that reflects the central message of your essay. It can be summarized in a sentence or even a word. For example, let’s say you’re writing about how you had to establish a whole new group of friends when you moved to a new city. The theme for this type of essay would probably be something like “adaptation”. Having a theme will help you stay focused throughout your essay. Since you only have a limited number of words, you can’t afford to go off on tangents that don’t relate to your theme. 

3. Tell a story

A lot of great essays rely on a specific scene or story. Find the personal anecdote relevant to your theme and transfer it to the page. The best way to do this is by using descriptive language. Consult the five senses as you’re setting the scene. What did you see, hear, taste, touch, or smell? How were you feeling emotionally? Using descriptive language can really help your essay come to life. According to UPchieve , a nonprofit that supports low income students, focusing on a particular moment as a “ revised version of a memoir ” is one way to keep readers engaged. 

Related: College essay primer: show, don’t tell  

4. Focus on your opening paragraph

Your opening paragraph should grab your reader’s attention and set the tone for the rest of your essay. In most cases, this is the best place to include your anecdote (if you have one). By leading with your personal story, you can hook your audience from the get-go. After telling your story, you can explain why it’s important to who you are. 

Related:  How to start a scholarship essay (with examples)

5. Use an authentic voice 

Your personal statement reflects who you are, so you should use a tone that represents you. That means you shouldn’t try to sound like someone else, and you shouldn’t use fancy words just to show off. This isn’t an academic paper, so you don’t have to adopt a super formal tone. Instead, write in a way that allows room for your personality to breathe. 

6. Edit, edit, edit…

Once you’re done writing, give yourself some time away from the essay. Try to allow a few days to pass before looking at the essay again with fresh eyes. This way, you’re more likely to pick up on spelling and grammatical errors. You may even get some new ideas and rethink the way you wrote some things. Once you’re satisfied, let someone else edit your essay. We recommend asking a teacher, parent, or sibling for their thoughts before submitting. 

Examples of personal statements 

Sometimes viewing someone else’s work is the best way to generate inspiration and get the creative juices flowing. The following essays are written in response to four different Common App prompts: 

Prompt 1: “Some students have a background, identity, interest, or talent that is so meaningful they believe their application would be incomplete without it. If this sounds like you, then please share your story.”

When I was eight years old, I wanted a GameCube very badly. For weeks I hounded my dad to buy me one and finally he agreed. But there was a catch. He’d only get me a GameCube if I promised to start reading. Every day I played video games, I would have to pick up a book and read for at least one hour. At that point in my life, reading was just something I had to suffer through for school assignments. To read for pleasure seemed ludicrous. Needless to say, I wasn’t exactly thrilled about this proposed agreement. But I figured anything was worth it to get my hands on that shiny new video game console, so I bit the bullet and shook my dad’s hand. Little did I know that I had just made a life-changing deal. 

At first, the required hour of reading was a chore — something I had to do so I could play Mario Kart. But it quickly turned into something more than that. To my complete and utter surprise, I discovered that I actually enjoyed reading. One hour turned into two, two turned into three, and after a while I was spending more time reading than I was playing video games. I found myself captivated by the written word, and I read everything I could get my hands on. Lord of the Rings , Percy Jackson , Goosebumps — you name it. I was falling in love with literature, while my GameCube was accumulating dust in the TV stand. 

Soon enough, reading led to writing. I was beginning to come up with my own stories, so I put pen to paper and let my imagination run wild. It started out small. My first effort was a rudimentary picture book about a friendly raccoon who went to the moon. But things progressed. My stories became more intricate, my characters more complex. I wrote a series of science fiction novellas. I tried my hand at poetry. I was amazed at the worlds I could create with the tip of my pen. I had dreams of becoming an author. 

Then somewhere along the way my family got a subscription to Netflix, and that completely changed the way I thought about storytelling. My nose had been buried in books up until then, so I hadn’t really seen a lot of movies. That quickly changed. It seemed like every other day a pair of new DVDs would arrive in the mail (this was the early days of Netflix). Dark Knight, The Truman Show, Inception, Memento — all these great films were coming in and out of the house. And I couldn’t get enough of them. Movies brought stories to life in a way that books could not. I was head over heels for visual storytelling. 

Suddenly I wasn’t writing novels and short stories anymore. I was writing scripts for movies. Now I wanted to transfer my ideas to the big screen, rather than the pages of a book. But I was still doing the same thing I had always done. I was writing, just in a different format. To help with this process, I read the screenplays of my favorite films and paid attention to the way they were crafted. I kept watching more and more movies. And I hadn’t forgotten about my first love, either. I still cherished books and looked to them for inspiration. By the end of my junior year of high school, I had completed two scripts for short films. 

So why am I telling you all this? Because I want to turn my love of storytelling into a career. I’m not totally sure how to do that yet, but I know I have options. Whether it’s film production, creative writing, or even journalism, I want to find a major that suits my ambitions. Writing has taken me a long way, and I know it can take me even further. As I step into this next chapter of my life, I couldn’t be more excited to see how my craft develops. In the meantime, I should probably get rid of that dusty old GameCube. 

Feedback from admissions professional Bill Jack

Essays don’t always have to reveal details about the student’s intended career path, but one thing I like about this essay is that it gives the reader a sense of the why. Why do they want to pursue storytelling. It also shows the reader that they are open to how they pursue their interest. Being open to exploration is such a vital part of college, so it’s also showing the reader that they likely will be open to new things in college. And, it’s always fun to learn a little bit more about the student’s family, especially if the reader can learn about how the students interacts with their family. 

Prompt 2: “The lessons we take from obstacles we encounter can be fundamental to later success. Recount a time when you faced a challenge, setback, or failure. How did it affect you, and what did you learn from the experience?”

I remember my first impression of Irvine: weird. It was foggy, stock-full of greenery and eucalyptus trees, and reminded me of my 5th grade trip to a “science camp” which was located in the San Bernardino mountains. Besides Irvine, that was one of the few places in Southern California where you’d find so many non-palm trees. 

Of course, perhaps my initial impression of Irvine was biased, motivated by a desire to stay in my hometown and a fear of the unknown. While that was true to an extent, Irvine was certainly still a little peculiar. The city itself was based on a “master plan” of sorts, with the location of each of its schools, parks, shops, and arguably its trees having been logically “picked” before the foundation was poured. Even the homes all looked roughly the same, with their beige, stucco walls almost serving as a hallmark of the city itself.

Thus, this perfectly structured, perfectly safe city seemed like a paradise of sorts to many outsiders, my parents included. I was a little more hesitant to welcome this. As I saw it, this was a phony city – believing that its uniformity stood for a lack of personality. My hometown, although not as flawlessly safe nor clean as Irvine, was where most of my dearest memories had occurred. From the many sleepovers at Cindie’s house, to trying to avoid my school’s own version of the “infamous” cheese touch, to the many laughs shared with friends and family, I shed a tear at the prospect of leaving my home.

Moving into the foreign city, remnants of the hostility I held towards Irvine remained. Still dwelling in my memories of the past, I was initially unable to see Irvine as a “home.” So, as I walked into my first-ever Irvine class, being greeted by many kind, yet unfamiliar faces around me, I was unable to recognize that some of those new faces would later become some of my dearest friends. Such negative feelings about the city were further reinforced by newer, harder classes, and more complicated homework. Sitting in the discomfort of this unfamiliar environment, it started to seem that “change” was something not only inevitable, but insurmountable.

As the years went on, however, this idea seemed to fade. I got used to my classes and bike racing through Irvine neighborhoods with my friends, watching the trees that once seemed just a “weird” green blob soon transform into one of my favorite parts of the city. While I kept my old, beloved memories stored, I made space for new ones. From carefully making our way over the narrow creek path next to our school, to the laughs we shared during chemistry class, my new memories made with friends seemed to transform a city I once disliked into one I would miss. 

Through this transformation, I have come to recognize that change, although sometimes intimidating at first, can open the door to great times and meaningful connections. Although Irvine may have once seemed like a strange, “phony” place that I couldn’t wait to be rid of, the memories and laughs I had grown to share there were very real. As I move onto this next part of my life, I hope I can use this knowledge that I have gained from my time in Irvine to make the most of what’s to come. Even if the change may be frightening at first, I have learned to embrace what’s on the other side, whether green or not.

One huge plus to writing an essay that focuses on a place is that you might have it read by someone who has been there. Yet, what’s really helpful about this essay is that even if someone hasn’t been there, a picture is painted about what the place is like.  Admission officers have the hard task of really understanding what the student sees, so the use of adjectives and imagery can really help.  It’s also really clever to see that the green that’s mentioned at the beginning is mentioned at the end.  It’s a nice way to bookend the essay and tie it all together.

Prompt 6: “Describe a topic, idea, or concept you find so engaging that it makes you lose all track of time. Why does it captivate you? What or who do you turn to when you want to learn more?”

I like getting lost. Not literally, of course, but figuratively. Whether it be in the story of a love song by Taylor Swift, or in the memories brought back by listening to my favorite childhood video game’s background music, I’ve always appreciated music’s ability to transport me to another place, another time, another feeling. 

Alas, I cannot sing, nor have I practiced an instrument since my middle school piano class days. So, perhaps Kurt Vonnegut was right. As he puts it, “Virtually every writer I know would rather be a musician.” While I cannot speak for others, I have certainly not debunked his theory. Writing allows many, including myself, to attempt to mimic the transformative power of music – even if our singing voices aren’t exactly “pleasant.” Just as you can get lost in music, you can do so in a story. Whether it is in George Orwell’s totalitarian Oceania, or Little Women’s Orchard House, the stories outlined in novels can provide an amazing look into the lives and worlds of others, and an escape from the worries and problems of those in your own.

While I am certainly not claiming to have the storytelling abilities of the Orwells or Alcotts before me, I’ve had fun trying to recreate such transformative feelings for others. When I was nine, I attempted to write a story about a little girl who had gotten lost in the woods, only managing to get a couple pages through. As I got older, whenever I was assigned a creative writing assignment in school, I wrote about the same pig, Phil. He was always angry: in my 8th grade science class, Phil was mad at some humans who had harbored his friend captive, and in my 9th grade English class, at a couple who robbed him. 

Thus, when I heard about a writing club being opened at my school in 11th grade, I knew I had to join. I wanted to discern whether writing was just a hobby I picked up now and then, or a true passion. If it was a passion, I wanted to learn as much as possible about how I could improve. Although my high school’s writing club certainly wasn’t going to transform me into Shakespeare, I knew I could learn a lot from it – and I did. The club challenged me to do many things, from writing on the spot, to writing poetry, to even writing about myself, something that’s hopefully coming in handy right now. 

From then on, I started to expand into different types of writing, storing short ideas, skits, and more in appropriately-labeled Google Drive folders. At around the same time, I became interested in classic literature, which largely stemmed from a project in English class. We had been required to choose and read a classic on our own, then present it to the class in an interesting way. While my book was certainly interesting and unique in its own right, nearly everyone else’s novels seemed more captivating to me. So, I took it upon myself to read as many classics as I could the following summer.

One of the books I read during the summer, funnily enough, was Animal Farm, which starred angry pigs, reminiscent of Phil. I had also started going over different ideas in my head, thinking about how I could translate them into words using the new skills I learned. While the writing club helped reaffirm my interest in writing and allowed me to develop new skills, my newfound affinity for classics gave me inspiration to write. Now, I am actually considering writing as part of my future. In this endeavor, I hope that Phil, and the music I inevitably listen to as I write, will accompany me every step of the way.

Admission officers might read 70 (or more!) essays in one day. It’s not uncommon for them to start to blend together and sound similar. This essay might not make you laugh out loud. But, it might make the reader chuckle while reading it thanks to the subtle humor and levity. Being able to incorporate a little humor into your essay (if it is natural for you to do… do not force it), can really be a great way to shed additional light into who you are. Remember, the essay isn’t merely about proving that you can write, but it should also reveal a little bit about your personality.

Prompt 5: “Discuss an accomplishment, event, or realization that sparked a period of personal growth and a new understanding of yourself or others.”

I learned a lot of things during the summer I worked at Tropical Smoothie. I discovered the value of hard work. I figured out how to save money. I even mastered the art of the Mango Magic smoothie (the secret is lots of sugar). But most importantly, I learned the power of perspective. And I have Deja to thank for that. 

Deja was my shift supervisor, and one of Tropical Smoothie’s best employees. She was punctual, friendly, and always willing to lend a helping hand. She knew the store from top to bottom, and could handle pretty much any situation thrown her way. She made everyone around her better. On top of all that, she was four months pregnant! I was always impressed by Deja’s work ethic, but I gained an entirely new level of respect for her one day.

It was a Friday night, and Deja and I were working the closing shift together. It was very busy, and Deja and I were the only ones on shift. We managed to get by, but we were exhausted by the end of the evening. After wiping down the counters and mopping the floors, we closed up shop and went our separate ways. I was eager to get home. 

I walked a couple blocks to where I had parked my car. Well, it wasn’t my car actually. It was my dad’s ‘98 Chevy pickup truck, and it was in rough shape. It had no heat or A/C, the leather seats were cracked beyond repair, and the driver’s side door was jammed shut. I sighed as I got in through the passenger side and scooted over to the driver’s seat. The whole reason I was working at Tropical Smoothie was to save up enough money to buy my own car. I was hoping to have something more respectable to drive during my senior year of high school. 

I cranked the old thing up and started on my way home. But soon enough, I spotted Deja walking on the side of the road. There was no sidewalk here, the light was low, and she was dangerously close to the passing cars. I pulled over and offered her a ride. She got in and explained that she was on her way home. Apparently she didn’t have a car and had been walking to work every day. I couldn’t believe it. Here I was complaining about my set of wheels, while Deja didn’t have any to begin with.

We got to talking, and she confessed that she had been having a tough time. You would never know from the way she was so cheerful at work, but Deja had a lot on her plate. She was taking care of her mother, her boyfriend had just lost his job, and she was worried about making ends meet. And of course, she was expecting a baby in five months. On top of all that, she had been walking nearly a mile to and from work every day. The whole thing was a real eye opener, and made me reconsider some things in my own life. 

For one, I didn’t mind driving my dad’s truck anymore. It was banged up, sure, but it was a lot better than nothing. My mindset had changed. I appreciated the truck now. I began to think about other things differently, too. I started making mental notes of all the things in my life I was thankful for — my family, my friends, my health. I became grateful for what I had, instead of obsessing over the things I didn’t. 

I also gained more awareness of the world outside my own little bubble. My encounter with Deja had shown me first-hand that everyone is dealing with their own problems, some worse than others. So I started paying more attention to my friends, family members, and coworkers. I started listening more and asking how I could help. I also gave Deja a ride home for the rest of the summer. 

These are all small things, of course, but I think they make a difference. I realized I’m at my best when I’m not fixated on my own life, but when I’m considerate of the lives around me. I want to keep this in mind as I continue to grow and develop as a person. I want to continue to search for ways to support the people around me. And most importantly, I want to keep things in perspective.

Too often we can be focused on our own problems that we fail to realize that everyone has their own things going on in their lives, too.  This essay showcases how it’s important to put things in perspective, a skill that certainly will prove invaluable in college… and not just in the classroom.  Another reason I like this essay is because it provides deeper insight into the student’s life.  Sure, you might have mentioned in your activities list that you have a job.  But as this essay does, you can show why you have the job in the first place, what your responsibilities are, and more.

A few last tips

We hope these essay examples gave you a bit of inspiration of what to include in your own. However, before you go, we’d like to send you off with a few (personal statement) writing tips to help you make your essays as lovely as the memories and anecdotes they’re based off of. Without further ado, here are some of our best tips for writing your personal statements:

1. Open strong

College admissions officers read many, many essays (think 50+) a day, which can sometimes cause them to start blending together and sounding alike. One way to avoid your essay from simply fading into the background is to start strong. This means opening your essay with something memorable, whether an interesting personal anecdote, a descriptive setting, or anything else that you think would catch a reader’s attention (so long as it’s not inappropriate). Not only might this help college admissions officers better remember your essay, but it will also make them curious about what the rest of your essay will entail.

2. Be authentic

Perhaps most important when it comes to writing personal statement essays is to maintain your authenticity. Ultimately, your essays should reflect your unique stories and quirks that make you who you are, and should help college admissions officers determine whether you’d truly be a good fit for their school or not. So, don’t stress trying to figure out what colleges are looking for. Be yourself, and let the colleges come to you!

3. Strong writing

This one may seem a little obvious, but strong writing will certainly appeal to colleges. Not only will it make your essay more compelling, but it may show colleges that you’re ready for college-level essay writing (that you’ll likely have to do a lot of). Just remember that good writing is not limited to grammar. Using captivating detail and descriptions are a huge part of making your essay seem more like a story than a lecture.

4. Proofread

Last but not least, remember to proofread! Make sure your essay contains no errors in grammar, punctuation, and spelling. When you’re done proofreading your essay yourself, we would also recommend that you ask a teacher, parent, or other grammatically savvy person to proofread your essay as well.

Final thoughts 

With those in hand, we hope you now have a better sense of how to write your personal statement. While your grades and test scores are important when it comes to college admissions, it’s really your essays that can “make” or “break” your application. 

Although this may make it seem like a daunting task, writing an amazing personal statement essay is all about effort. Thus, so long as you start early, follow the advice listed above, and dedicate your time and effort to it, it’s entirely possible to write an essay that perfectly encapsulates you. Good luck, and happy writing!

Also see:  Scholarships360’s free scholarships search tool

Key Takeaways

• It may take some people longer than others to know what they want to write about, but remember that everyone, including you, has something unique to write about!
• Personal statements should be personal, which means you should avoid being too general and really strive to show off what makes you “you”
• Time and effort are two of the most important things you can put into your personal statement to ensure that it is the best representation of yourself
• Don’t forget to ask people who know you to read your work before you submit; they should be able to tell you better than anyone if you are truly shining through!

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Finance Personal Statement Examples

See our free Finance Personal Statement examples for students applying to study a bachelor’s or postgraduate degree in Finance at the university level.

Finance Personal Statement Example 1

My parents (accounting graduates) say that I always had a unique smile when I touched and counted money as a child, ever since I was young. The business world was introduced to me quite early, whereas my father saw the heights of the international market as a chartered accountant.

By the time I was thirteen, I could discuss assets and liabilities with my older peers, particularly with my father.

Thanks to my older friend, I discovered a book titled ‘Rich Dad, Poor Dad’ by Mr Kiyosaki, which gave my early experiences some structure and meaning. During that period, I was allowed to join a new school initiative on financial literacy.

The optional subject on Internationalisation that I studied during my undergraduate days taught me about the interdependence of developing countries, wealth and poverty, and financial inclusion in developing economies.

I found it appealing, just as Monopoly had before. As I studied Kiyosaki’s financial world, I realised that it was connected to the injustice occurring to the poor. Money, after all, holds the world’s economy together. 

After conducting an extensive study of access to finance in the petroleum industries in Africa in my undergraduate dissertation, I have gained some understanding of how our society depends on commodity exchange and its effects in the developing world. At the same time, I found myself enjoying the financial markets surrounding it.

I got an idea of what my dad did when he was an accountant during my internship at his office as an undergraduate student. I learned business skills that I then used to manage my mum’s school cafeteria’s finances. My contribution was to develop a new, simple Excel system that made the accounting process more transparent and comprehensible.

In addition to studying, I enjoy engaging in physical activity as well. In my early childhood, I played football and enjoyed how our team worked together.

Upon joining the initiative on financial literacy, I created an online football manager gaming community, and we’ve been getting together virtually for over three years since we graduated. Working together with other ex-classmates has taught me to learn to work with others and to plan resources accordingly.

My friends don’t remember ever seeing me in a bad mood, and I believe participating in sports makes me uncommonly happy. England is my choice for my future because I wish to study Finance in the English language and want to experience a multicultural environment. Having the opportunity to gain real-life experience and a wealth of practical education in finance at university simply cannot be refused, which is why I am so drawn to it.

I am looking for an excellent educational experience and want to establish myself in a well-located job after finishing graduate school. With a better understanding of what I could accomplish to better our global financial environment, I want to return home after my studies to apply my knowledge.

Since finance is my academic home and we live in a financial world, I want to be able to understand and contribute to its enhancement.

Please consider my Finance personal statement to study for a degree at your university.

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Personal statement examples by subject: complete list

Take a look at how other students have written their personal statements

When you're writing your university personal statement, a little inspiration can be handy.

On The Student Room, we have hundreds of real personal statements written by students when they applied for university in previous years.

You'll find all of these listed below, in order of subject. 

For more help with writing your personal statement, our personal statement section  is a good place to go. You can also find tips and discussion in the personal statement advice forum .

If you've already been to university, you can  add your own personal statement to the library  to help others.

And don't forget our sister site The Uni Guide , which has expert advice on getting your personal statement sorted.

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Last updated August 7, 2024

Every piece we write is researched and vetted by a former admissions officer. Read about our mission to pull back the admissions curtain.

Blog > Common App , Essay Examples , Personal Statement > 16 Amazing Personal Statement Examples (2024 Update)

16 Amazing Personal Statement Examples (2024 Update)

Admissions officer reviewed by Ben Bousquet, M.Ed Former Vanderbilt University

Written by Kylie Kistner, MA Former Willamette University Admissions

Key Takeaway

What’s that old saying? “The best way to learn is by doing.” Well, we believe that, in personal statements and in life, cliches like this should be avoided. That's why we recommend reading some example essays before you start writing your own.

Now, before we get into our examples, we should quickly talk about what admissions officers look for in personal statements in the first place.

What does an admissions officer look for in a personal statement?

Before we get to the essays, let’s briefly walk through what goes through an admissions officer’s head when they open an application.

Admissions officers (AOs) read hundreds to thousands of applications in a single year. Different institutions require admissions officers to use different criteria when evaluating applications, so the specifics will vary by school. Your entire application should cohere to form a seamless narrative . You'll be crafting that narrative across the following categories:

• Transcripts and course rigor : AOs look at the classes you’ve taken to assess how much you’ve challenged yourself based on the classes your school offers. They’re also looking at how well you've done in these classes each term.
• Extracurricular activities : When reading through your activities list, AOs look at the activities you’ve done, how many years you’ve participated in them, and how many hours a week you devote to them. They’re assessing your activities for the levels of magnitude, impact, and reach that they demonstrate. (Want to know more about these terms? Check out our extracurricular impact post .)
• Background information : This background information briefly tells admissions officers about demographic and family information, your school context, and any honors or awards you’ve received.
• Letters of recommendation : Letters of recommendation give AOs insight into who you are in the classroom.
• Essays : And, finally, the essays. Whether you’re writing a personal statement or a supplemental essay , essays are the main place AOs get to hear your voice and learn more about you. Your personal statement in particular is the place where you get to lay out your overall application narrative and say something meaningful about your personal strengths.

So, with all that in mind, what does an admissions officer actually look for when reading your personal statement?

A few traits tend to surface across the best personal statements, no matter the topic or format. There are four primary areas you should focus on as you craft your personal statement.

• Strengths : AOs want to know about your strengths. That doesn’t mean bragging about your accomplishments, but it does mean writing about a topic that lets you showcase something positive about yourself.
• Personal meaning : Personal statements shouldn’t be fluff. They shouldn’t be history essays. They should be personal essays that ooze meaning. The topic you choose should show something significant about yourself that the admissions officers won’t get from any other part of your application.
• Authenticity and vulnerability : These characteristics can be the most difficult to achieve. Being “vulnerable” doesn’t mean airing all your dirty laundry. It means revealing something authentic and meaningful about who you are. To be vulnerable means to go beyond the surface level to put yourself out there, even to admissions officers who you’ve never met.
• Clear organization and writing : And lastly, admissions officers also want your essay to be organized clearly so it’s easy to follow along. Remember that admissions officers are reading lots of applications, even in one sitting. So you want to make your reader’s job as easy as possible. Thoughtful and skillful writing can also help take your personal statement to the next level.

If you want to know more about how to incorporate these traits into your own essay, we have a whole guide about how to write the perfect personal statement .

But for now, let’s get into the examples.

We’ve broken up the example personal statements into three categories: best personal statement examples, good personal statement examples, and “bad” personal statement examples. These categories show you that there is a spectrum of what personal statements can look like. The best examples are the gold standard. They meet or exceed all four of the main criteria admissions officers are looking for. The good examples are just that: good. They’re solid examples that may be lacking in a specific area but are still effective personal statements. The “bad” examples are those that don’t yet stack up to the expectations of a personal statement. They’re not objectively bad, but they need some specific improvements to align with what admissions officers are looking for.

Here we go!

The Best Personal Statement Examples

Writing an exceptional personal statement takes a lot of time and effort. Even the best writers can find the genre challenging. But when you strike the perfect chord and get it right, it’s almost like magic. Your essay jumps off the page and captures an admissions officer’s attention. They feel like you’re right there with them, telling them everything they need to know to vote “yes” on your admission.

The following essays are some of our favorites. They cover a range of topics, styles, and student backgrounds. But they all tell meaningful stories about the writers’ lives. They are well-organized, use vivid language, and speak to the writers’ strengths.

For each essay, our team of former admissions officers have offered comments about what makes the essay exceptional. Take a look through the annotations and feedback to see what lessons you can apply to your own personal statement.

Personal Statement Example #1: Reinvention

For our first example, which we’ve titled “Reinvention,” we’re going to watch Alex break the essay down paragraph by paragraph. This one’s really good. Let’s take a look.

As Alex explains, this essay takes a couple of (very beautiful!) paragraphs to get to its central message: reinvention. Once we reach that turning point, the writer seamlessly introduces us to their engineering interests, then returns again to their mother’s influence. The metaphor of “watermelon rinds” ties everything together. The writer comes across as a clever, thoughtful person—one we would surely want on our campus.

(Want to see more video examples and get personalized application and essay help? Let’s work together. )

Personal Statement Example #2: Thankful

My family has always been broke. Saturday mornings and Thursday evenings, always the same drill: the kids (my brothers and me) would be loaded in the car with my parents and off we’d all go to the food pantry. New clothes were few and far between, and going on vacation was something that we could only dream of. Despite our financial struggles, one year, my parents decided to surprise us with a trip to Disney Land. It was a complete shock to me and my siblings. We were over the moon. In fact, the screams of excitement that emanated from my younger brother’s mouth still ring in my ears.

But as the trip drew close, my excitement tempered and I began to worry. Being poor when you’re young doesn’t just affect you materially. It also affects how you see the world and loads you up with a whole range of anxieties that, in an ideal world, no child should have to face. How were my parents going to afford this, I wondered? Would an expense like this push us over the brink?(( The beginning of this essay, and especially this sentence, show the writer’s empathy. They are not selfish; they understand their broader family context and take that into consideration.)) I didn't want to ruin the surprise by asking, but I couldn't shake the feeling of dread building inside of me.

The day of our trip arrived and we set off for the airport. In the car, my dad made an off-the-cuff comment about a new video game that he’d wanted to play but didn’t buy, and everything clicked—my parents had made the trip possible by saving for months, cutting back on expenses and sacrificing their own comforts to make the trip happen.

As we boarded the plane, I was filled with a mix of emotions. I was grateful beyond words for my parents' sacrifice, but I was also overwhelmed by the guilt of knowing that they had given up so much for us. I didn't know how to express my gratitude; when we deplaned in LAX, I gave my mom and dad a rib-crushing hug.

The trip itself was everything that I had dreamed of and more. We spent four magical days at Disney Land(( Nice use of vivid details here. The reader can picture the sights and smells of Disney—and the ensuing hunger when passing a churro stand.)) , speed running the roller coasters and campy boat rides from the 70s. Sure, we packed our own food and walked right by the churro stands with a hungry look in our eyes. But I will never forget the feeling of unmitigated joy that my family shared on that trip, the smiles that painted my parents’ faces.

But the trip itself was nothing compared to the gratitude I felt for my parents(( Here, the writer transitions to reintroducing the theme of gratitude.)) . They had given us the gift of a lifetime, and I knew that I would never be able to repay them for their sacrifice.

In the years since that trip, I have carried that feeling of gratitude with me. It has motivated me to work hard and to always strive to be the best person that I can be. I want to make my parents proud and to show them that their sacrifice was worth it(( Finally, the writer sums things up with an eye to the future. It’s helpful for an admission officer to picture what the essay’s lessons might mean for the student as a future community member.)) .

I will never be able to fully express my gratitude for what my parents did for us, but I will always remember their selflessness and their willingness to put their own needs aside for the sake of our happiness. It was a truly surprising and incredible act of love, and one that I will always be thankful for.

AO Notes on Thankful

This essay accomplishes a few things even though it essentially tells one story and offers a quick reflection. It gives some important context regarding the challenges of being from a lower-income family. It does that in a way that is authentic, rather than problem-focused. It also shows that the writer is empathetic, family-oriented, and reflective.

Why this essay stands out:

• Vulnerability : This essay is upfront about a challenging topic: financial insecurity. While you don’t have to tell your most difficult challenge in an essay, this writer chose to write about a circumstance that gives additional context that may be helpful as admissions considers their application.
• Personal : The writer gets into some family dynamics and paints a picture of how their family treats and takes care of each other.
• Values: We clearly see some values the writer has and that they don’t take their parents’ sacrifices for granted. As an admission officer, I can picture this student using their education to give back—to their family or to others.

Personal Statement Example #3: Pickleball

I’ve always been one to have a good attitude no matter the circumstances. Except when it comes to exercise. From dodgeball in PE class to family Turkey Trots, I’m always the first one out and the last one across the finish line. These realities aren’t from a lack of skill—I’m actually quite coordinated and fast. They are from a lack of effort(( This is a quick hit of… either humor or vulnerability. I chuckled at the blunt honesty, and am intrigued to learn more.)) . Despite my best intentions, I can never get myself to care about sports or competitions. So when my dad first asked me to be his pickleball partner last summer, I did nothing but laugh.

But soon, I realized that he was serious. My dad started playing pickleball two years ago as a fun way to exercise. He’d become a star in our city’s recreation league, and I always enjoyed cheering him on from the sidelines. When his doubles partner got relocated for work, my dad decided that the disruption was a good opportunity for us bond through pickleball. Even though I was mortified by the thought of running back and forth to hit a bouncing ball, I reluctantly agreed.

The next Saturday morning, we went to the court for our first practice. I was wearing sweatpants, an old sweatshirt, and a grimace. My dad showed me how to hold the paddle, serve, and return the ball to our opponents. He told me about staying out of the kitchen—an endearing pickleball term that references the “kitchen,” or the middle part of the court—trying to make me laugh. Instead, I sighed impatiently and walked to my end of the court, ready to get it over with.

My dad remained patient in spite of my bad attitude. He gently served me the ball, and I gave a lackluster attempt to return it. The ball bounced into the net. I hadn’t even made it to his side of the court. Trying his best to encourage me, my dad gave me the ball so I could serve it to him instead. I tossed the ball up and hit it underhand toward my dad. It hit the net again. I tried again and again, each attempt with less care than the last. I grew frustrated and threw my paddle down in anger(( Okay, this paragraph gives a good dose of openness to the emotions of the writer. They’ve served up an opportunity to learn a lesson soon…)) .

After seeing my mini-meltdown, my dad crossed the kitchen to talk to me. During our conversation, I began to ask myself why I got so frustrated when I wasn’t trying very hard in the first place. I thought pickleball was a miserable sport, but I realized that it wasn’t pickleball that I cared about. I cared about my dad. I wanted to make him proud(( Ah, and there it is! A realization. As the admission officer I’m thinking, “Go on…”)) . Playing pickleball with him was the least I could do to thank him for everything he’d done for me. I dusted off my bad attitude alongside my paddle, and I got up to try another serve.

That serve hit the net again. But more determined now, I kept trying until my serves went over the net and through my dad’s weak side. I couldn’t believe it. My attitude adjustment helped me see the game for what it was: a game. It wasn’t supposed to be agonizing or cruel. It was supposed to be fun.

I learned that my attitude towards sports was unacceptable. This experience taught me that it’s okay to have preferences about what you enjoy, but it’s important to always maintain a positive attitude(( And the lesson learned! )) . You may just enjoy it after all.

Now my dad and I are both stars in our recreation league. Soon, we will make our way to our league’s semi-finals. We’ve worked our way through the bracket and are close to the championship. What I appreciate more about this experience, however, is how close it’s brought my dad and I together. His patience, positivity, and persistence have and will always inspire me. I want to be more like him every day, especially on the pickleball court.

AO Notes on Pickleball

This is a strong “attitude adjustment” essay, a bit of a remix of a challenge essay. The challenge, in this case, was a fixed mindset about sports that needed to be adjusted. The writer takes us on a witty journey through their own attitude towards organized athletic activities and their father.

• Self-aware : Similar to the vulnerability of other essays, this writer is willing to criticize themselves by recognizing that they need an attitude adjustment. Even before they changed their attitude, we get the sense that they are at least aware of their own lack of effort.
• Strong conclusion : We see a nice lesson at the end that relates both to having an open mind and caring for others. They even make a point about simply enjoying things because they are fun.
• Life lesson : Beyond the stated lesson, as an admission officer with a few more years on this Earth than the writer, I can tell this lesson will apply beyond sports. In fact, I can easily picture this student trying a new class, club, or group of friends in college because they are now more open to novel experiences.

Personal Statement Example #4: The Bird Watcher

I’m an avid walker and bird watcher(( Okay, the writer gets right into it! I think this simple introduction of the topic works well because they are writing about a less common hobby among teenagers. If they had said “I am an avid baseball player”, I would have been less eager to learn more.)) . Growing up, I’d clear my head by walking along the trail in the woods behind my house. By the time I was immersed in the chaos of high school, these walks became an afternoon routine. Now, every day at three o’clock, I don my jacket and hiking shoes and set off. As I walk, I note the flora and fauna around me. The wind whispering through the trees, the quiet rustling of a chipmunk underfoot, and the high-pitched call of robins perched atop branches, all of it brings me back to life after a difficult day.

And recently, the days have been more difficult than not. My grandparents passing, parents divorcing, and doctor diagnosing me with ADHD have presented me with more challenges than I’ve ever experienced before. But no matter what’s going on in my life, the wildlife on my walks brings me peace. As an aspiring ornithologist, the birds are my favorite(( This paragraph accomplishes a lot: a montage of difficult circumstances, context for their application, and declares their future career.)) .

I became interested in ornithology during long childhood afternoons spent at my grandparents’ house. They would watch me while my parents finished up work. I’d listen to the old bird clock that hung on the wall in the kitchen. Each number on the clock corresponded with a different bird. Every hour, the clock would chirp rather than chime. When the cardinal sang, I knew my parents would be arriving soon. Those chirps are all seared into my memory.

Twelve o’clock: robin. The short, fast, almost laugh-like sound of the robin always makes me hungry. All those Saturday afternoons filled with laughter and good food have resulted in a Pavlovian response. I’d cook meatballs with my grandma, splashing sauce on her floral wall paper. We’d laugh and laugh and enjoy the meal together at her plastic-covered kitchen table. This wasn’t my home, but I felt at home just the same.

Three o’clock: blue jay. It’d chime as soon as we walked in the door after school. The blue jay was my grandpa’s favorite. It was also mine. Why he loved it, I’m not completely sure. But it was my favorite because it marked the beginning of the best parts of my day. Symbolizing strength and confidence, blue jays always remind me of my grandpa.

Six o’clock: cardinal. The sharp whistle and staccato of the cardinal indicated that it was almost time for me to leave. Like the whistle of a closing shift, I’d hear it and start to pack my things. The cardinal has always been my least favorite.

Nine o’clock: house finch. The high, sweet, almost inquisitive call of the house finch was the one my grandma loved most. It was also the one I rarely heard. Either too early or too late in the day, the house finch was reserved for the occasional weekends when I’d spend the night at their house. My grandma would explain that finches symbolize harmony and peace. They are petite but mighty, just like she was(( This is a clever and sweet way of describing summer days with grandparents, while sprinkling in some vivid details to bring the story to life.)) .

This past weekend was the anniversary of my grandpa’s passing. Longing for my grandparents, I went for a walk. Winter is approaching, so the sky was darkening quickly. I walked slowly. As the sun set, I heard the tell-tale squawk of a blue jay, loud and piercing through the chill of the wind. I looked around and saw it sitting on an old stump, a small house finch behind it. I extracted my binoculars from my backpack, hoping to get a better glimpse through the dark. I turned the dial to focus the lenses, just as the birds flew away together. I took a deep breath, binoculars in hand, and continued on, spotting a robin in the distance(( The ending stylistically wraps the essay up without tying a bow on it. It’s a more artful way of concluding, and it works well here.)) .

AO Notes on Birdwatcher

This first two paragraphs are well-written and fairly to-the-point in their language. They do a nice job of setting the scene, but the third paragraph transitions into the writer’s distinctive voice. They detail the birds on the clock to chronicle the hours of their summer days and end, not without concluding, but leaving the reader wanting to read more of their stories.

• Voice: The writer transitions to writing in their own distinct voice, which comes to a crescendo in the final paragraph.
• Interesting approach: Sometimes students use an approach to tell a story that feels overly forced or cliche. This one feels organic and relates nicely to the writer, their family, and the story as a whole.
• Career path : This is far from a “What I want to be when I grow up” essay, but it clearly shows an academic interest grounded in family and childhood memories. This is an artistic and beautiful approach to showing admissions how the writer may use their college education.

Personal Statement Example #5: Chekov’s Wig

At the age of six, I starred in an at-home, one-woman production of Annie. My family watched as I switched between a wig I’d fashioned from maroon yarn, a dog’s tail leftover from Halloween, and a tie I’d stolen from my dad.

When the reveal came that Annie’s parents had actually passed away, I took a creative liberty: they had left Annie a small unicorn farm. The rest of the play proceeded as normal. When the curtain closed, I bowed to the sound of my family’s applause. But one set of hands was missing: my grandmother’s. Instead she sat, arms raised, and jokingly exclaimed, “But what about the unicorns?”(( Wow, an interesting intro! We see creativity and a silly side to the writer. As the admission officer, I’m eager to see where this leads.))

My grandma, an avid thespian, taught me a lot about life. But one of the most important lessons followed this production of Annie . After we laughed about her remark, she introduced me to the concept of Chekov’s gun. For Anton Chekov, brilliant playwright, the theory goes something like this: a writer shouldn’t write about a loaded gun if it’s not going to be fired. In other words, writers shouldn’t include details about something if it won’t serve a purpose in the story later. My unicorn farm had committed this writing faux pas egregiously.

I’m not a natural writer, and I have no goal to become one, but I’ve taken this concept of Chekov’s gun to heart—it forms the foundation of my life philosophy. I don’t believe that everything was meant to be(( This philosophical reflection is a nice introduction to the paragraphs that follow. )) . In fact, I think that sometimes bad things just happen. But I believe that these details will always play a part in our larger story.

The first test of my Chekov’s gun philosophy occurred shortly after Annie when my grandma, my biggest supporter, passed away. My family tried to console me saying that “it was her time to go,” but I disagreed. I couldn’t see how a death could be destined. Instead, I found comfort knowing that her presence, her support, and her death wasn’t for nothing. Like Chekov’s gun, I wasn’t quite sure how or why, but I knew that she would return for me.

As I grew older, my philosophy was tested time and again. Most recently, I fell back on Chekov’s gun as I coped with my parents’ divorce and my subsequent move to a new town. Both events shattered my world. My happy family theatre productions turned into custody hearings and overnight bags. The community I’d found at my old school became a sea of unfamiliar faces at my new one. None of this was meant to be. But as the writer of my own life, I won’t let the details become inconsequential.

I’ve used these events as plot points in my high school experience. Dealing with my parents’ divorce has taught me how to make the best of what’s given to me. I got the chance to decorate two bedrooms, live in both the suburbs and the city, and even have twice the amount of pets. And without the inciting incident of the divorce and move(( We see that the writer is able to make lemonade out of lemons here.)) , I never would have joined a new drama club or landed leading roles in Mama Mia and Twelfth Night. The divorce and move, like Chekov’s gun, have been crucial details in getting me where I’m at today.

I know that Chekov’s gun is more about the details in a story, but this philosophy empowers me to take what happens, the good and the bad, as part of my personal character development. Nothing would be happening if it weren’t important.

This summer, as we cleaned our garage in preparation for yet another move, I found my old Annie wig, yarn tangled from the box. Next to the wig was a note, handwritten in a script I’d recognize anywhere. My darling star, it read. You are going to go on to do great things. Love, Grandma ((And a sweet, or bittersweet, conclusion.)) .

AO Notes on Chekov’s Wig

This essay tells a beautiful story about a foundational philosophy in this young writer’s life. As their admission officer, I can see how grounded and positive they are. I can also imagine them taking this lesson to college: really paying attention to life, reflecting on the past, and understanding the value of even the smallest instances. There is an inherent maturity in this essay.

• Creativity: From the first few sentences, we can see that this student is now, and was as a child, creative. An original thinker.
• Reflective: When challenged by their grandmother, the writer didn’t insist that their way was correct. They took the criticism in stride and absorbed it as a salient life lesson. This shows open-mindedness and an uncommon level of maturity.
• Silver linings: It’s clear that this young writer has had some familial challenges that are likely familiar to some of you. They don’t gloss over them, but instead they learn from them. From having more pets to starring in the school musicals, there are lessons to glean from even life’s more difficult challenges.

Personal Statement Example #6: An Afternoon with Grandmother

The Buddhist temple on the hillside above my home has always possessed a deep power for me. With its towering spires and intricate carvings thousands of years old, it is a place of peace and serenity(( This writer opens with some wonderful imagery. I like how the imagery mirrors the meaning.)) —somewhere I can go to escape the chaos of the world and connect with myself and with my sense of spirituality. When my grandmother called me one January to let me know that she would be coming to visit, I smiled, my mind darting immediately to the temple and to the visit of it we would take together.

My relationship with my grandmother is a special one. After my parents passed away, she and my grandfather raised me for three years before I moved in with my father’s sister. In that time, she was my sole companion; she shared her recipes with me, told me stories, and most importantly, she taught me everything I know about spirituality. We spent countless nights staying up past bed-time, talking about the teachings of the Buddha, and she encouraged me gently to explore my own path to enlightenment(( This topic is accomplishing a lot: we see the writer’s relationship with their grandmother, their personal values, and their ideas about who they want to be in the future.)) .

When my grandmother finally arrived, I felt bathed in a warm glow. After catching up and preparing her favorite meal—red rice with miso soup and hot green tea—I told her about the plans I had for us to visit my special place.

Later that afternoon, as we entered the temple, I felt the calmness and tranquility wash over me. I took my grandmother's hand and led her to the main hall, where we knelt before the altar and began to recite the prayers and mantras that I had learned from her years before.

As we prayed, our voices joined together, echoing throughout the temple. A gentle rain began to fall outside and, as the cold crept around where we knelt, I was engulfed by a deep sense of connection with my grandmother and with the universe. It was as if the barriers between us were falling away, and we were becoming one—with each other, and with our shared connection to the divine.

We finished our prayers and sat in silence, lingering in the serenity of the temple. I could feel my grandmother's hand in mine, and I was filled with a sense of gratitude and love(( A great example of weaving vivid language with explicit reflection!)) .

Spirituality has been essential in my life. It gives me a sense of grounding and purpose, and it teaches me the value of compassion. My spirituality has also given me a way to connect with my grandmother on a deeper level—like a private language that only we speak together. In a world that can often feel chaotic and disconnected, faith and spirituality provide a sense of stability and connection.

As we left the temple, I held my grandmother's hand and felt suffused by a sense of peace and contentment. Too often people who are disconnected from spirituality misunderstand the role it plays in billions of people’s lives. They see it as a way to “check out” from the issues the world faces, ignoring their responsibilities to others. This may be true for others, but not me. Quite the opposite. My spirituality helps me empathize with others(( Wonderful reflection.)) ; it helps me focus on the obligations we each have to every other person and creature on this planet. For me, it is the ultimate way to “check in” to the needs of the world and my community in a way that grounds me emotionally.

Spirituality offers a way to find meaning and purpose in life, and to connect with something greater than ourselves. For that, and for my grandmother, I am truly grateful.

AO Notes on An Afternoon with Grandmother

In this deeply reflective essay, the writer uses spirituality and their relationship with their grandmother to reveal a very personal part of themselves. The writer isn’t afraid to be vulnerable, and they clearly showcase strengths of wisdom and compassion.

• Vivid language: This author is a talented writer who has included a bunch of vivid language. But it’s not over the top. They include just enough to hold a reader’s attention and add some interest.
• Reflection: The reflection throughout this essay is excellent. Notice how it’s not just at the beginning or the end. It’s woven throughout. The writer follows up each major detail with an explanation of why it’s personally meaningful.
• Conclusion: The conclusion combines vivid language and reflection perfectly. By the end of the essay, we know exactly what the writer wants us to take away: spirituality is personally meaningful to them because it helps them connect with the people around them. And I especially like how the writer chose to end on a note of gratitude—always a good value to have in a personal statement.

Personal Statement Example #7: Rosie’s

While most people find their lowest point at rock bottom, I found mine in an Amerikooler DW081677F-8(( We’re definitely off to an odd start. I’m curious where this is headed!)) . With drops rolling down my back and my cheeks, I snuck into the walk-in freezer for a moment of chill.

At that point, I had worked at Rosie's for nearly a year. The job was a good one: it fit with my school schedule, paid well, and introduced me to close friends. But as a workplace, Rosie’s was pure chaos. The original owners passed on a host of problems the new owners were working hard to fix. But the problems ran deep. From an inefficient kitchen organization to a malfunctioning scheduling software, we never knew what to do or when.

The day I found myself in the Amerikooler was the day everything caught up with us(( This is a good transitional phrase that helps readers navigate this fairly complex narrative.)) . An error in our scheduling software led to us operating with only 30% of our typical team. As the only waitress on duty, I ran between the kitchen and the guests, stopping mid-delivery to put new vegetables in the steamers. The kitchen staff were barely getting through each dish before customers lost patience.

Then, in all the commotion, I dropped a plate of macaroni and cheese all over a customer. I apologized over and over again. I was embarrassed and ashamed. I couldn’t believe what I had done. I always tried to be one step ahead to give my customers the best service, so my mistake felt like an utter failure. After helping them clean up, I ran immediately to the freezer. I realized that something had to change.

In the Amerikooler, a pea and corn mix cool on my back, I considered my options. The easiest option was to quit. I could find another job, one that didn’t cause me so much stress. But quitting wouldn’t just mean giving up. It would mean accepting my failure. It would also mean abandoning the coworkers I had grown close to. Leaving them would only burden them more. While I knew it wasn’t my job to fix the restaurant, I knew that leaving wasn’t the answer either. Instead, I decided to focus on solutions(( I like the focus on solutions and action steps here!)) . I stood up from the cold, dirty freezer floor, dusted off my work pants, washed my hands, and got back to work.

Despite being the newest and youngest member of the Rosie’s staff, I recognized that I brought a new perspective to the workplace. Having spent the previous three summers scheduling volunteers for my local food drive, I used my organizing experience to devise a new scheduling system, one that didn’t rely on our outdated technology. I brought up the system at our weekly meeting, and after initial pushback, everyone agreed to give it a try. Three months later, my system keeps everyone happy and our kitchen and floor staffed.

But it wasn’t just the staffing problem that was the issue. Our workflows were inefficient, and we didn’t know how to communicate or collaborate effectively. I know that identifying an issue is always the first step to a solution, so I raised the question at our most recent staff meeting. Having earned my coworkers’ and bosses’ trust(( And here we see some good growth and leadership.)) , I led us in outlining a few new processes to streamline our productivity. In stark contrast to the failure I felt after spilling the macaroni and cheese, developing a new workflow with my coworkers made me proud. I hadn’t given in to the chaos, but I had worked thoughtfully and collaboratively to create new solutions.

I’m sure that won’t be my last time working in a disorganized environment or spilling macaroni and cheese. But I know that I’ll be ready to address whatever comes my way.

AO Notes on Rosie’s

If you’ve ever worked in a food establishment, then something in this essay will probably resonate with you. But I appreciate how the writer doesn’t get pulled into the negativity they experience. Instead, they focused their efforts (and their essay) on how they could make things better for everyone. That’s the kind of student admissions officers want to see on their campuses.

• Organization: The writer has to narrate and backtrack a bit at the beginning of the essay to make the introduction work. But it’s not confusing for a reader because they have very solid transitions. I also like how the action steps and reflection are organized in the narrative.
• Positive outlook: As an admissions officer, I would admire this student for their problem-solving skills. Working in that environment was surely tough, but they didn’t give up. They got to work and helped everyone out in the process.
• Humor: From the introduction to the conclusion, the writer incorporates subtle humor throughout. Because of it, we actually feel like we know the writer by the conclusion. Too much humor can overwhelm a personal essay, but just enough can help readers see who the writer really is.

Personal Statement Example #8: Gone Fishing

I pulled the line with my left hand and snapped the rod back with my right. The line split through the air above me like a knife through cake. I rigidly waved my right arm up and down to dry off my fly, which had started sinking from the weight of the water. Ready to cast, I loosened the grip on my left hand to release a few more feet of line, pulled my right arm back in a grandiose motion, and hammered it back down. I expected my line to fly out in front of me, gracefully floating back onto the surface of the water. Instead, I was met with a startling resistance. My fly had lodged itself into the bush behind me(( This opening paragraph has great vivid description. Here, we end on a moment of suspense that has left me intrigued about what will happen next.)) .

Annoyed, I waded through the tall, thick grass, rod under my arm and mosquitoes buzzing in my ears. This was the reality of fly fishing. In my short time as a fisherman, I’d caught far more trees, bushes, and riverweed than I had fish. What seems so elegant in movies like A River Runs Through It is actually a grueling process of trial and error. I took up flyfishing a year ago to conquer my fear of the outdoors(( Ah ha—we learn that this essay isn’t really about fly fishing. It’s about conquering a fear. And with that, we see that the stakes are high.)) . I could have (and probably should have) chosen a more mild activity like hiking or kayaking, but I’ve always been one to take on a challenge.

I had been afraid of the outdoors since childhood. Coming from a family that prefers libraries to parks and bed and breakfasts to tents, I never learned how to appreciate nature. I limited my time outside as much as I could. I feared the bugs, the sun, and the unknown.

I decided to try flyfishing when I realized I didn’t want to be controlled by my fear any longer(( As an AO, I would applaud this student’s bravery.)) . All the birthday parties I’d turned down, the memories that were made without me, I had missed out on so much. Being outside was an integral part of the human experience—or, at least, that’s what I’d been told. Without being willing to enjoy nature, I was missing out on what it meant to be myself.

Soon after this realization, I found an old rod in my grandpa’s garage and took it as a sign from the universe. On my first time out, my Honda Civic lurched over a ditch on the gravel road Google Maps had directed me to. I’d spent hours watching YouTube videos of proper technique. Stepping out of my car, I felt my skin crack under the dry heat, and I wanted to leave. But I continued on, walking through branches and over logs to the riverbank. I was doing it( More vivid detail that really gives us a sense of the writer’s discomfort—yet they’re persisting.)) .

I pushed myself to continue, no matter how uncomfortable I got. I went back, Saturday after Saturday, each time noticing improvements in my abilities. Along the way, I learned to push myself to do things that make me uncomfortable. I saw myself in a new light. I wasn’t Charlie, afraid of the outdoors. I was Charlie, fisherman.

The first time I caught a fish, I could hardly believe it. Thinking I had caught another piece of riverweed, I tugged on my line and rolled my eyes. But suddenly, it started tugging back. It was a sensation I’d never experienced before, one of haste, pride, and panic. I instantly collected myself, bracing against the bank as I secured the line with my finger and slowly pulled the fish ashore. Delicately removing my hook from its mouth, I admired its beauty. Whereas I had once feared creatures like this trout, I now respected it. Its holographic scales glistened in the sunlight. I thanked it for helping me grow, and I placed it back in the water. It swam away. I wiped the slime off my hands and picked up my rod, left hand tugging at the line, right hand snapping back again((This conclusion is quite long, but I really like this poetic ending. It shows so much growth, and there’s a subtle nod to the fact that the writer is continuing to fish.)) .

AO Notes on Gone Fishing

From all this imagery, I really felt like I was fishing alongside them. What’s better, I feel like I really get where this student is coming from because of their vulnerability. They show immense growth and open-mindedness, which is exactly what admissions officers are looking for.

• Imagery: This writer definitely likes creative writing. From the introduction, we can envision ourselves going on this journey with the writer. There is some excellent “show, don’t tell” here.
• Deep personal meaning: Biggest fears are hard to overcome, especially with such a good attitude. It’s clear that this topic is a meaningful one to the writer. Even the act of fly fishing, which they didn’t seem to like much at first, becomes a meaningful act.
• Narrative arc: We have a classic “going on a journey” essay, where the writer transforms on a journey from point A (being afraid of the outdoors) to point B (catching a fish). The writer’s implementation of this structure is excellent, which makes the essay easy to follow.

Good Personal Statement Examples

Even if your essay isn’t worthy of The New Yorker , you can still make your mark on admissions officers. Writing an essay that fulfills all the goals of a personal statement, whether or not it meets every single criterion an admissions officer is looking for, can still get you into a great college.

Most personal statements are good personal statements, so don’t worry if you’re feeling overwhelmed by the amazing essay examples you see online. The key to writing a good personal statement is writing your personal statement. Focus on finding a topic that lets you communicate your own meaning and voice, and you’ll be set.

The following examples are awesome personal statements. There may be a little room for improvement in places, but the essays do exactly what they need to do. And they say a lot about their writers. Let’s see what the writers and admissions officers have to say.

Personal Statement Example #9: Beekeeper’s Club

As I lift the heavy lid of the hive, the hum of thousands of bees fills my ears. I carefully smoke the entrance to calm the bees, and I begin to inspect the frames. The bees are busy at work, collecting nectar and pollen, and tending to their young. I am in awe of their organization.

I never would have thought that I, a high school student, would become a beekeeper(( An interesting hobby for a high school student! I’m intrigued to see where this is going.)) . But now it’s something I can’t imagine my life without.

It all started when I found a beekeeping suit at a garage sale two summers ago. At a mere five dollars, it was yellowing and musty, but it appeared to be fully intact and without any holes. I’ve lived many lives as a hobbyist, always willing to try new things. I’ve been a sailor, a gardener, a basketball player, a harpist, a rock climber, and more. The problem is that I can never manage to see these hobbies through(( I see. Here we get a sense of what’s at stake in this new venture. The problem is that writer can’t seem to hold down a hobby. Will beekeeping solve that problem? Let’s find out .)) . As a perpetual novice, I always lose interest or become overwhelmed by all the information. But that’s never stopped me from taking up a new hobby, so I brought the beekeeping suit to the make-shift register and handed the seller a five-dollar bill.

To embark on my new hobby, I first went to the library and read everything I could find about beekeeping. Research is always my first step when starting something new. I like to know what I’m in for. As I read, I became fascinated by the fact that such small creatures can serve such a critical role on our planet. I learned about the importance of bees for pollinating crops, and I read that their populations have been declining in recent years. I was determined to do my part to help. This wasn’t just a hobby anymore— it was a mission(( And the stakes just got higher.)) .

But like the bees I’d been reading about, I knew I couldn't do it alone. My years of abandoning hobbies had taught me that this time, I needed guidance from someone with experience. I knew the first place to look. At the farmer’s market that Saturday, I went straight to the honey stand and introduced myself. The vendor’s name was Jeremy, and he was excited to see someone so young taking up beekeeping. I asked if I could come see his hives sometime, and he agreed.

I showed up the next weekend with my used beekeeping suit in hand. Jeremy gave me a tour. I was astounded by the simultaneous simplicity and complexity. As the months went by, Jeremy became my mentor. He taught me the importance of monitoring the health of the hive, how to properly harvest honey, and even the ins and outs of the farmer’s market business.

I was grateful for his guidance and friendship. I found myself becoming more and more passionate about bees and the art of beekeeping.

After months of tending to my hive, I finally had it up and running. These bees were in my care(( The writer has shown us that they’ve learned a big lesson from their past failures: they need support and guidance. I’m impressed that this time they are making an intentional change.)) —this was one hobby I couldn’t abandon. With that knowledge and Jeremy’s support, one hive grew to five. I’m not in it for the money or even the honey. I’m in it for the bees, for the millimeter of difference I’m making in their lives and in the life of the earth.

Through beekeeping, I have found a community of people who share my love for bees. Jeremy, the bees, and the entire beekeeping community have taught me not to quit. We support each other, share tips and advice, and work together to help protect these important insects. And in the process, I have learned that I can take up any new hobby I want and stick with it if I just put in enough effort(( Yep—the writer has come out of this journey on the other side, having learned that their effort does pay off.)) .

AO Notes on Beekeeper’s Club

As an admissions officer, it’s always fun to read about students’ eccentric hobbies. I’d count this as one of them. But what’s better than learning about the hobby is seeing a student’s personal growth.

What makes this essay good:

• Personal journey: Most good personal statements show some kind of personal growth. In this case, we see that the writer has grown mature and aware enough to hold down a hobby. We see that it wasn’t an easy road, but they got there.
• Strengths: There are lots of strengths in this personal statement. We see self-awareness, initiative, teamwork, and care for the bees and the planet.
• Reflection: Part of what makes this personal journey so good is that the writer takes us on the journey with them through reflection. At each stage of the journey, we know exactly what the writer is thinking and feeling. By the end, we’re celebrating their success with them.

What the writer could do to level up:

• Personal meaning: Yep, “personal journey” and “personal meaning” can be two separate things. Although the writer goes on a great personal journey, the personal meaning seems to be lacking a bit. It’s clear that this is an important topic to the writer, but it doesn’t exactly come across as an especially vulnerable one. The writer could make it more vulnerable by incorporating more personal meaning into their reflection: what would it have meant if they had quit beekeeping too? What’s the problem with dropping hobbies in the first place? Why is it personally important to learn to stick with things?

Personal Statement Example #10: Ann

Pushing her blonde curls from her forehead, she pursed her lips in focus(( This vivid, detailed description really draws me in.)) . She sat with legs crossed across the kitchen chair. This was it: the moment she’d been preparing for. Her tiny hand gripped the pencil as if it were a stick of dynamite and twitched her fingers up, down, and back again. She looked up at me and smiled, teeth too big for her growing mouth. “Ann,” the paper read. As I glowed back at my mini-me, I saw in her my whole heart(( And here the focus switches from Ann to the writer—an important transition.)) .

My sister was technically an accident, born when I was eleven years old. But I know that, in the grand scheme of things, Ann’s existence was destined by the cosmos. Watching her write was like looking in a mirror. My hair has long since turned brown, but she and I deal with the same unmanageable curls. Her toothy grin developed over five years of mutual laughter. And she got that unwavering focus from watching me do my own homework each night. At the same time I’ve taught her the ways of the world, she’s taught me joy, patience, and persistence(( Lessons learned! This sentence really draws attention to the main theme. It could be a little more specific because “joy, patience, and persistence” are almost cliche.)) .

I had been an only child for my first decade of life. I remember being lonely and without purpose. With Ann came the opportunity to make a real impact on someone, even as a child myself. The night she was born, I vowed to protect her. I had never seen anyone so small and fragile, and I begged my parents to let me hold her. Next to mine, her hand looked like a doll’s. It was purple and pink from the ordeal of birth. Her eyes barely opened, but I couldn’t keep mine off her.

Many older siblings find their younger siblings to be nuisances. But Ann has always been my best friend. Her first two years of life, she struggled with health issues that scared us all. I felt helpless and afraid, but I knew I had to fight alongside her. I did everything I could: I grabbed diapers and bottles for my parents, I talked to her for hours on end, and, when she was old enough, I spoon fed her and encouraged her to eat. As Ann grew bigger and stronger, I grew stronger, too(( It sounds like this was a really difficult challenge for the writer and their family. I appreciate this picture we get of the writer in relation to Ann.)) .

Each year has gotten better than the previous. I was there to catch Ann when she took her first steps, teach her her first words, and get her dressed every day. She tagged behind me as I took photos before my first dance, got my learner’s permit, and went on my college tours. While being a teen with a toddler sibling wasn’t always perfect, Ann’s mere presence makes those around her feel loved and appreciated. She’s exactly who I aspire to be.

Watching her write her name at the kitchen table, I became overwhelmed with the thought of leaving her to head off to college. She still has so much to learn, so many ways to grow. But just as the thought entered my mind, she spoke in her high-pitched and innocent voice. “When you go to college,” she asked, “will you tell me about your classes?” I blinked away the tears gathering in my eyes, smoothed her curls with my hand, and pulled her in close.

Going to college won’t mean leaving Ann. It will mean opening her world—and mine—to endless new knowledge and possibilities. She’ll grow and change, and so will I. When we reunite, we’ll smile our toothy smiles and embrace each other, our curly hair intertwining. We’ll sit at the kitchen table, focused and laughing, like nothing has changed(( I like how the siblings are continuing to grow together, but at the end of the day, they still have their amazing relationship.)) .

AO Notes on Ann

I always find sibling essays like this one so sweet. It’s amazing how clearly we can understand someone solely through their interactions with a loved one. As an admissions officer, I would see that this student would be a great community member (and roommate!).

• Deeply meaningful: Especially with the family context, it’s apparent that this topic is deeply meaningful to the writer. Because it’s so meaningful a topic, the writer is able to show an immense amount of care for Ann without even trying. AOs love seeing traits like care, maturity, and the ability to grow.
• Clear message: Personal statements should have themes that encompass the main message the writer wants to convey. This essay’s message is clear as day: the writer is a better, happier, more generous person because of Ann. They are an awesome sibling.
• More about the self: This one’s tricky because we get an implicit sense of who the writer is now through the overall tone and meaning. But a lot of the personal examples the writer chose are old examples from childhood and early adolescence. Some of those are important to provide family context, but I still would have liked to get a more recent picture of the writer.

Personal Statement Example #11: Running through My Neighborhood

My mind and eyes began to wander as I turned the corner on my fourth mile. I’ve always been a runner. It's a way for me to relax and challenge myself. Running makes me feel like I’m one with the world around me. As I run, I can't help but be struck by the beauty of the buildings and people that make up my city. Each is a work of art—a carefully-crafted expression of my community. With every step, I feel a deep connection to the life around me(( This introduction covers a lot, so this last sentence could be a bit more specific.)) .

On my run, I find myself drawn to the intricate details of the buildings. I admire the way the light catches on centuries-old bricks, casting shadows that dance across the pavement below. I look up at the skyscraper windows that nearly touch the sky, frightened at the sight of window washers. Old and new, the buildings all carry stories.

In the same way, I admire the neighbors around me. I see them feeding pigeons, smiling at me as I pass by. They’re walking dogs and babies, talking on a park bench, and playing hopscotch. I run by them, fast but steady, and breathe it all in. I’m on this beautiful city block, surrounded by people whose whole lives are familiar yet mysterious, and I’m running.

But it's not just the aesthetic beauty of the buildings that grabs my attention. As I run, I find myself thinking about the stories and histories behind each one. I wonder about the people who built them, the families they had at home, the lives they led. I think about the people who have lived and worked in these buildings and the memories that have been made within their walls.

Take the local bakery, for instance. I’ve run by there a thousand times in my life, each time soaking up the smell of freshly-baked bread and pastries. The building seems unassuming at first, with a simple glass door and brick façade. But once you step foot inside, you’re immediately hit with the warmth of the staff and patrons. The old photos on the wall and cozy furniture that has been there since the bakery’s opening back in the 1950s—it feels like home(( These are great vivid details.)) . The bakery is everything I value about my neighborhood. It completely represents what kind of neighbor I want to be. Plus, it’s not a bad place for a post-run snack.

Through my runs, I’ve also made connections with those who frequent the sidewalks alongside me. One of the people I see regularly on my runs is Mrs. Carter, an elderly woman who always has a kind word and a smile for everyone she meets. Her white hair is carefully curled, and her face is dimpled with laugh lines from thousands of conversations like ours. She often stops to chat with me, asking how my day is going and sharing stories from her own life. I always look forward to seeing her. She’s like the grandmother I never had. Mrs. Carter inspires me to be a better community member every day(( This kind of reflection brings the focus back to the writer’s personal journey.)) .

Running through my neighborhood is about more than just staying fit. It’s also about being in community with those around me. As I weave through the people on the sidewalk, I feel as though I am weaving myself through their stories, picking up tidbits and adding them to my own narrative. I wouldn’t be who I am today without these runs that have taught me so much. I can’t wait to run across my college campus, admiring my new surroundings and meeting my new neighbors(( I like this gesture to the future—as an AO, I would start to picture this student running through my campus, too!)) .

AO Notes on Running through My Neighborhood

Running essays can get a bad rap in college admissions. But this one overcomes that stereotype. At its core, this essay is about the runner’s relationship to their community. I really appreciate how much care and enthusiasm this writer shows for those around them.

• Writing: The writer’s voice shines through. They have great vivid descriptions, and we’re really able to envision ourselves in the neighborhood alongside them.
• Personal meaning: The way the writer describes those they encounter in their neighborhood shows that this isn’t a minor part of their life. Their runs are a big deal. The people they see along the way have greatly shaped who they are.
• Greater focus on self: Now, there are much worse culprits when it comes to personal essays that focus on people other than the writer. But the writer does toe the line. Their descriptions mostly focus on those around them, and while there is some reflection that connects their own experience to other people, it doesn’t actually take up much space in the essay. To level up, the writer could make this essay more about themself.

Personal Statement Example #12: Musical Installation Art

As a child, I was always drawn to stringed instruments(( The hook could have more punch, but this gets the job done.)) . I would pluck at my dad's old guitars, create makeshift harps with dental floss, and even play around with the banjo and harp in music class. As I got older, I realized that I wanted to focus on making my own instruments. And where better to start than in my dad's scrapyard? The yard sprawled out for almost five acres behind our house. It was a marvel of junk and oddities, with the accumulated garbage from hundreds of junker cars built up in our backyard. I grew up playing there, leading a childhood that most parents would probably see as reckless—rolling tires through narrow alleyways between crushed cars stacked high. But for me, the backyard was an endless playground for my imagination.

It was there that I discovered the joys of welding and soldering. I would rummage through piles of metal and find pieces that I could fashion into something new. My first sculptures were simple, resembling birds or dogs and pieced together from strips of metal. I’d look for similar art everywhere I went, grasping for inspiration. At a fair one weekend, I saw a booth run by an artist who built guitars. After speaking with him about his art, he asked to see a picture of my sculptures. I showed him and explained that I hoped to make my own instruments one day, too. He scuttled to the back of his tent and returned with a gift: a set of thick copper strings. “Try using those,”(( What an endearing story.)) he told me.

My first sculpture instrument was a crude thing—little more than a board of metal with pegs that I used to pull the copper strings tight. But I tightened them, I was in love—spending all night plucking away. At first, the instrument wailed and screeched. String by string, I delicately tuned the wires into sirens. I had created something that played music, and I was so proud.

My experience building the instrument motivated me to enroll in a sculpture class at the local community college. It was there that I learned how to properly solder metal and create more complex structures. For my final project, I made a three-foot-tall, four-stringed metal instrument in the shape of a dragon.

But as I worked, I started to realize that my dragon wasn't going to be beautiful in the traditional sense. Its metal body was jagged and uneven, and the strings were stretched tight across its back in a way that produced discordant, almost abrasive music. I tried to adjust the tuning, but no matter what I did, the music remained harsh and unpleasant.

At first, I was disappointed. I wanted my dragon to be a work of art, something that people would marvel at and love listening to. But as I continued to play with it, I started to see the beauty in the chaos(( This paragraph shows wonderful growth. And as a reader, I’m drawn in trying to imagine what the sculpture actually looks like.)) . The music it produced was like a musical language that I had invented, one that was wild and untamed. It was a reflection of my own creativity and individuality. A discordant collection of notes that sounded like they’d been tuned so as to be atonal. But I didn't care. I was a scrapyard kid, and this dragon played the song of my people: strong, innovative, and beautiful.

The combination of sculpture and music fascinates me. How does the shape of a fabrication affect the kind of sound that the object produces? What sounds do different materials produce? As I’ve learned more about sculpture, I’ve also become interested in installation art that has sound dimensions. I want to capture people’s visual and aural attention to inspire questions about how we navigate the aesthetic world(( It sounds like this topic potentially relates to the student’s future goals. If that’s true, there could be a clearer academic connection here.)) . And I’ll use whatever scraps I can find to make my creations.

AO Notes on Musical Installation Art

I don’t think I’ve ever seen a piece of musical installation art myself, so this topic really held my attention. I appreciate the journey the writer went on to learn that their art may not look like everyone else’s, but it can be just as impactful.

• Topic: I like this topic not only because it’s not one you see every day but also because it lets the writer reveal a lot about themself and their background. We see where they grew up and who they grew up with, and we also learn about this deeply meaningful personal interest.
• Writing style: This author has a very distinct writing style. In some ways, the writing style mirrors their art style—abrupt at times, melodic at others.
• Organization: The first half of this essay doesn’t always match up with the second half. Even though we’re still able to see the writer’s journey as a metal artist and musician, there’s still a bit of streamlining that needs to happen.

Personal Statement Example #13: Ski Patrol

I can never get enough of being in the mountains(( This hook isn’t very compelling, so it could use some more attention.)) . I am a skier through and through. Growing up, I spent countless family vacations on the slopes with my dad and siblings. I love the rush I get speeding down the mountain—I’ve improved so much over my life that I can now handle most runs I come across. But last year, I took my love for skiing to a whole other level by joining ski patrol.

It was mid-December, and my family had decided to take a weekend away to go skiing. Everything was going normally at first. We had a good day on the slopes and wanted to go one more run before calling it a night. We took a moment to rest and watched the person in front of us go. Only seconds after she headed down the mountain, something happened with her ski. She catapulted into a nearby tree. People raced to check on her, while we stayed back and alerted ski patrol.

When ski patrol arrived, I watched in amazement. They moved in such a precise way. They were like a machine—everyone knew exactly what to do when. Thankfully, it was a false alarm and the skier only had a few scratches. But my own life was changed forever. I knew then that I wanted to be a part of this team, to help others in a tangible way and to make a difference on the mountain that had always been my home.

As soon as I could, I applied for the Junior Ski Patrol team. I had to go through a tryout process on the hill, which made me nervous. But it felt good to be surrounded by people who loved skiing as much as I do. Thankfully, I was accepted shortly after; it was one of the best days of my life. Now on Junior Ski Patrol, I have the opportunity to do what I love – skiing – while also making a positive impact on others(( And here we get to the heart of the essay. The writer wants to help others while doing something they love. It’s a noble pursuit!)) . My team shadows the adult Ski Patrol, and we learn a lot of lessons along the way.

On the mountain (and in life), you never know what challenges might arise. One of the most important things I’ve learned from Junior Ski Patrol is to be prepared for anything. I’ve gotten my CPR and first aid certifications so I’m always prepared to administer life-saving care to anyone who might need it. I know how to pack a bag full of enough essentials to survive harsh weather or injuries.

But ski patrol has also taught me so much more than just how to help others. It has shown me how I work best on a team. I’m not naturally a leader, which is something I’ve always felt ashamed about. After learning from our mentors who all fulfill different roles on their adult Ski Patrol team, I realized that I don’t have to be a leader to be a good team member. The quiet collaborators who can follow the lead, take initiative when needed, and do their jobs really well are just as important as the people who are front-and-center(( An important personal insight.)) .

Being on ski patrol as a high school student has been an incredible journey, and I am grateful for the opportunity to be a part of such a dedicated team. More importantly, I’m proud of the growth I’ve experienced. I went from a person who just loves skiing to a person who is more confident in herself. I no longer feel unprepared or timid. I know exactly how to keep myself safe and work alongside others. While I don’t want to be a professional Ski Patroller or even go into medicine, I know these lessons will serve me well wherever life takes me(( As an AO, I would have been wondering if being on JSP made them want to study medicine, so I appreciate that they answered it for me!)) . But no matter where I end up, when the mountain calls, you know I’ll answer.

AO Notes on Ski Patrol

In this fun hobby-meets-accomplishment essay, the writer shows us their strengths of care and teamwork. I like the crossover between something that they really enjoy and this impressive accomplishment they have of being on Junior Ski Patrol.

• Lessons learned: The writer makes it very clear what lessons they learned from Junior Ski Patrol. Lessons don’t always have to be this explicit, but I appreciate how the writer really takes the time to reflect on what they’ve learned.
• Personal insight: Okay, this point is related to the lessons learned. But it’s important to draw out on its own because personal essays are, of course, personal. This topic easily could have been just about skiing down a mountain or administering first aid on patrol. Instead, the writer kept the focus inward to meet the expectations of a personal essay.
• What’s at stake?: We do get a good sense of personal meaning. But the writer could do a better job of speaking to the significance of this activity to their life. A good question to ask is, “What’s at stake?” What would I have lost or gained if this story had turned out differently? Asking these questions can also help you figure out what it is that you want an admissions officer to learn from your personal statement.

Personal Statement Example #14: The Regulars

One pump of vanilla syrup. Frothed milk. One espresso shot. Caramel drizzle(( Starting with some version of the following sentence would have been a stronger hook.)) . Like a scientist at her bench, I have methodically repeated these steps four days a week for the past two years. During my time as a Starbucks barista, I’ve learned hundreds of recipes and customizations. I know all the secret menu hacks, and I’ve developed several recipes for friends and family too. I pride myself on speed, quality, and memory. My favorite part of the job is the customer service. As one of the busiest locations in the region, I’ve caffeinated thousands. But it’s my regular customers, those whose orders I know like the back of my hand, who have truly impacted me.

Venti Vanilla Sweet Cream Cold Brew, hold the vanilla syrup. A busy mom of four, Chelsea is always in a hurry. I try to catch her the moment she enters the store so I can get started right away. Her Venti drink fuels her through school dropoffs and pickups, gymnastics lessons, and evening math homework. Throughout my conversations with her, I’ve learned that Chelsea is a scheduling virtuoso. As someone with ADHD(( This paragraph is almost too much about Chelsea, so this sentence is crucial to bring the focus back to the writer.)) , I became so inspired by her ability to juggle so many people and schedules simultaneously. After asking her for advice, she helped me find a time management system that I can keep up with. I have Chelsea to thank for my improved grades.

Grande dark roast, no room for cream. Mr. Williams is a retired businessman who always tips 100%. Mr. Williams is a quiet man, so it took me months to draw any information from him. Instead of using my over-the-top customer service voice, I eventually learned to be myself. When I got him to open up, I discovered that he was a service worker himself before he made it big in business in his sixties. The truth is, Mr. Williams has tipped me hundreds of dollars throughout my time here, which is extra money that will help me pay for college. He’s taught me the value of quiet generosity(( Let’s be honest. Mr. Williams sounds like a cool guy. But Mr. Williams isn’t applying to college—the writer is! I like that we get small glimpses into who the writer is through this paragraph, but there’s still room for more.)) .

Tall soy London Fog. Sweet Darla gave up coffee twenty-five years ago, but she still loves an occasional treat. When Darla enters, I clear my schedule. She always has stories to tell about the eighty years of life she’s lived. Darla is everything I want to be at that age: she’s spunky, opinionated, and hilarious(( Here we learn a lot about the writer through Darla.)) . Sometimes I tell Darla stories of my own. When I explained the dramatic series of events that led to me landing first chair in my symphony, she said she was going to retell it her bridge club. Making Darla laugh so hard will always be one of my proudest moments.

Grande iced matcha. Taylor is my age and goes to my school. When I took her order for the first time, I felt embarrassed that I needed to work to support myself while she could enjoy expensive drinks. But her kindness softened me. As time went on, I learned that she visited Starbucks so much because she wanted to get out of her house, which wasn’t a very happy place. While I have to take on as many shifts as possible, I still have a happy home to return to afterward. Now Taylor comes in near the end of my shift so we can take our drinks and have dinner at my house.

When you work in customer service, customers enter and exit your life like a revolving door. But the regulars, those special people who draw connections from daily but brief interactions, stick with you for life. I wouldn’t be who I am today if it weren’t for these people, and I would never have met them if it weren’t for my job as a barista. I haven’t just been making drinks these past two years. I’ve been making friends(( The conclusion does a good job tying all these different stories back together. )) .

AO Notes on The Regulars

No one appreciates a good barista story more than a tired admissions officer on their 30th application of the day! I like the personality that comes through in this essay especially. But this is one of those cases where it’s almost too much about other people.

• Creative take: Not every college essay needs a creative flair. In fact, sometimes going for “unique” structures can detract from an essay. But I like how the writer uses this format to structure the essay.
• Organization: This essay isn’t one a reader is bound to get lost in. The introduction sets up the essay well, it’s easy to see the connections between the points the writer is conveying, and the conclusion brings the focus back to the writer.
• More focus on self: While we do learn about the writer in this essay, we also learn a lot about Chelsea, Mr. Williams, Darla, and Taylor. The writer could have pared down the descriptions of other people—or cut one of the examples altogether—to save more room for personal reflection.

“Bad” Personal Statement Examples

These “bad” essays aren’t necessarily bad. They just aren’t very effective personal statements. Specifically, these two essays make some of the biggest college essay mistakes.

Making mistakes, especially when you’ve never written a personal statement before, is to be expected. We’ve included these examples so you can see what those mistakes look like in real-time. Learning from ineffective examples can be just as helpful as learning from the exceptional ones, so grab your pencil and start taking notes.

Our admissions officers have highlighted what’s working and what’s not. They offer helpful commentary and advice for revisions that you can use to assess your own personal statement.

Personal Statement Example #15: The Worst Year

My sophomore year of high school presented me with so many challenges(( This hook definitely gets straight to the point, but it doesn’t draw me in as a reader.)) . I struggled with a lot that year and barely managed to get by. It was the greatest challenge I ever faced.

The year started out like any other but soon went into chaos. My brother suddenly started struggling with drugs and alcohol. Before that, we didn’t know how bad he was hurting. But one night he finally came to us for help because apparently he had been using substances to cope with his emotions. He was scared because he felt like he had reached a breaking point and needed support. My parents didn’t want to help because they thought that he didn’t have a problem but I know my brother and I knew that he didn’t seem like himself. It was so sad to watch him go through that. I tried my best to help him but I was only a kid. I couldn’t really do anything besides tell him I loved him. Eventually my parents decided to get him some help, so he went away for a while and I wrote him letters every week and visited him as much as I could. The treatment he got helped thankfully. He’s doing better now and I am grateful that he is my brother.

But then Covid hit and I couldn’t even leave my house. We thought it would just be a two week vacation to school but it turned into two whole years of my life gone just like that. At the beginning I was stuck in my bedroom while my parents were working their jobs from the living room. Everyone was constantly getting annoyed with each other and driving each other wild. I would be doing a class Zoom in my room and I could hear my parents in a meeting in the living room. I had a hard time not being able to see my friends. I couldn't focus and my grades dropped. Even my teachers didn’t really seem to care. I was sick of staring at black Zoom screens all the time that I even stopped logging on. All of that combined led to me becoming very depressed and anxious. My grades dropped even more because I just couldn’t pay attention or focus enough to do my homework. I ended up getting grades way lower than I ever thought I would that year and I’m so frustrated about it because it felt like I was trying my best but it just wasn’t enough(( Here we see the writer opening up a bit and reflecting on what it was like to go through that experience.)) .

Even once we finally got back in school things didn’t get much better. The pandemic was just too much for my family so my parents ended up getting divorced at the beginning of my junior year. After all we had been through together seeing them separate made me devastated. My dad got an apartment and I had to go back and forth between their houses and pack up all my stuff every time. It was like moving my entire life every weekend. My brother was out of the house by this point so it was just me all by myself. My school was far from my dad’s new place so I’d have a long commute on the weeks I was with him. He was stressed at work and about the divorce and I just ended up feeling so lonely and spending most of my time in my room. My grades got better once online school stopped(( This moment of hope does a lot for moving the essay forward.)) but I had a hard time keeping close relationships with my friends because they didn’t like that I was living far away now and that we couldn’t really hang out anymore.

I couldn’t believe that two years would change so much. Getting through everything really challenged me. But I’m glad to be moving forward with my life.

AO Notes on The Worst Year

This student definitely had a challenging year. It’s clear that they’ve overcome a lot, and I appreciate their willingness to share their struggles. I like that the very last sentence

What this essay does well:

• Vulnerability: Writing about challenges is never easy, especially when you’re writing to people you don’t know. This writer is bold and unafraid in doing so.

What could be improved on:

• Not enough positivity: Here’s the thing. You definitely don’t need to be able to spin all of your challenging experiences into positive ones. But the topics you choose to write your college essay about should ultimately conclude on a positive note. You want your college essay to show you in a positive light, so you should choose a topic that lets you find a light, positive, or hopeful resolution.

Personal Statement Example #16: The Strikeout that Changed My Life

The stadium lights shone brightly in my eyes. I stepped up to the plate and drew back my bat. I wiggled my fingers, waiting. The pitcher wound up his arm and threw the ball towards me. My eyes worked overtime to track the ball. I watched as it flew directly towards the center of the plate and made a last-minute curve(( I like this vivid description.)) . It went straight into the catcher’s mitt. “Strike three!” the umpire yelled. That was the time I struck out at the quarter-finals. My team was so close to making it to the championship that we could taste it. It was the bottom of the sixth, and I gave up a valuable chance to score game-winning runs. We ended up losing. I learned a valuable lesson that fateful day. I never wanted to let my team down like that again(( And the writer jumps quickly into the main theme of the essay. Still, the message here could be more specific.)) .

We had advanced through our bracket without much trouble. The other teams were no match for our work ethic and teamwork. We were in perfect sync. As the first baseman, I was ready for any throw that came my way. We were also hitting well. I scored three home runs throughout the course of the tournament. We were a high-functioning machine. But for a machine to work, each cog has to function correctly. When I stepped up to the plate in the sixth inning, I was a broken cog.

After our quarter–final loss, I grieved with my teammates. Then I went off on my own to think. How had I let my team down so badly? How did I not even try to swing at that pitch? It was all my fault. I had to figure out what I had done wrong so I would never make the mistake again. I realized that I had been thinking selfishly. I was concerned about my own performance, my own at-bat averages(( This is a good reflection.)) . I was scared of failing because I didn’t want to be embarrassed. And worrying about all of those things caused me to lose focus and miss my chance to make a difference. Instead, I should have been thinking about how my at-bat would contribute to my team’s overall goal of winning the game.

I returned to where my teammates were congregating, and several of them patted me on the back. The next day, we went over how the game went as a team and talked about how we could improve at our tournament the following weekend. I admitted that I felt like I let the team down. My teammates said that they understood and reassured me that mistakes happen. It wasn’t my failed at-bat alone that lost us the game. Like winning, losing is a team effort. It was a culmination of lots of little issues. At the end of the day, the other team just out-performed us. But we could try hard, practice a lot, and return triumphant next weekend.

Letting my team down was a crushing blow to my self-esteem. I never want to feel like that again, but I know that the experience caused me to grow. Through all of this, I learned that I have to trust myself and my team(( Here we get to the lesson learned.)) . Focusing on myself alone can only get me so far. But focusing on my team can get me to where I want to go. I’m actually thankful that I struck out in that sixth inning because it caused me to learn an important life lesson.

AO Notes on The Strikeout that Changed My Life

This essay on its own definitely isn’t “bad.” As far as essays go, it’s clear, well-written, and organized nicely. But as a college essay, it could be doing more work on the writer’s behalf. See, as an admissions officer, I don’t actually learn that much about the writer from this essay alone. I see that they like baseball, are a good teammate, and can overcome failure. Those are wonderful traits, but they don’t exactly help set this student apart on the admissions committee floor. Instead, the student could make this essay more vulnerable and personal.

• Writing: The writer uses some great creative writing skills to really set the scene for the readers. In that first paragraph, I really feel like I’m there watching the game.
• Reflection: Even though the topic could be more significant, the writer does a great job reflecting on the meaning they drew from the experience.
• Significance: It’s very clear that this topic holds a lot of meaning to the writer. But as a college essay topic, it lacks vulnerability and stakes.

Key Takeaways

Writing a personal statement is a difficult ask, especially when you’ve never even read one before. But now, with these fifteen examples in your back pocket, you’re ready to write your own.

If you’re not sure what steps to take next, hop on over to our guide to writing personal statements for advice. You can also find more extensive guidance on the Essay Academy , a comprehensive college essay writing video course and community.

Happy writing! 🥳

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How to Write a Personal Statement for Colleges

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How to Write a Personal Statement for a Scholarship + Examples

What’s covered:, what is the purpose of the scholarship personal statement, what to include in your personal statement, personal statement example: breakdown + analysis, how to make sure your writing is effective.

Either before or after you’ve gotten into your dream school, you’ll have to figure out how to pay for it. For most students, this involves a combination of financial aid, parent contributions, self-contributions, student loans, and scholarships/grants. Because scholarships are money out of someone else’s pocket that you never have to pay back, they are a great place to start!

Scholarships come in two forms: merit-based and need-based. Need-based scholarships are also often called grants. These designations tell you whether an organization looks at your financial situation when deciding about your scholarship.

Additionally, different scholarships fall under different categories based on the mission of the organization or person providing the scholarship’s financing. These missions typically emphasize different things like academic achievement, specific career goals, community service, leadership, family background, skill in the arts, or having overcome hardship. As you select scholarships to apply for and complete your applications, you should keep these missions in mind.

No matter what type of scholarship you are applying for, you will be asked to provide the review committee with standard materials. This includes your transcript, GPA, and resume/extracurriculars, but also, importantly, your personal statement. A scholarship personal statement is a bit different from your normal college essay, so we’ve put together this guide and some examples to help you get started!

The purpose of your personal statement is to help a review committee learn more about your personality, values, goals, and what makes you special. Ultimately, like with your college essays, you are trying to humanize your profile beyond your transcript, GPA, and test scores.

College essays all have one goal in mind (which is why you can apply to multiple schools at once through applications like the Common App or Coalition App): convince admissions officers that you would be a valuable addition to the university environment. The goal of your scholarship personal statement is different and differs more from one scholarship to the next. Rather than convincing various review committees that you are a generally good candidate for extra funding for college, you need to convince each review committee that your values have historically aligned with their organization’s mission and will continue to align with their organization’s mission.

Common missions amongst those who give scholarships include:

• Providing opportunities for students with career ambitions in a particular field
• Helping students who have experienced unexpected hardship
• Supporting students who show outstanding academic achievement
• Funding the arts through investing in young artists with strong technical skill
• Supporting the development of civic-minded community service leaders of the future
• Providing opportunities for historically underrepresented ethnic communities 

If a specific mission like this is outlined on an organization’s website or in the promotional material for its scholarship, the purpose of your personal statement is to show how you exemplify that mission.

Some scholarships ask for your personal statement to be guided by a prompt, while others leave things open for interpretation. When you are provided a prompt, it is obvious what you must do: answer the prompt. When you are not provided a prompt, you want to write a personal statement that is essentially a small-scale autobiography where you position yourself as a good investment. In either case, you should identify a focus or theme for what you are trying to say about yourself so that your application does not get lost in the shuffle.

Prompts include questions like:

• Why do you deserve this scholarship?
• How have you shown your commitment to (leadership/community service/diversity) in your community?
• When did you overcome adversity?
• Why is attending college important to you?

If you are provided a prompt, develop a theme for your response that showcases both your values and your achievements. This will help your essay feel focused and will subsequently help the review committee to remember which candidate you were as they deliberate.

Themes include things like:

• I deserve this community service scholarship because my compassion for intergenerational trauma has inspired me to volunteer with a local after-school program. I didn’t just sympathize. I did something about my sympathy because that’s the type of person I am. Within the program, I have identified avenues for improvement and worked alongside full-time staff to develop new strategies for increasing attendance.
• I overcame adversity when my mother had to have a major surgery two months after giving birth to my younger brother. I was just a kid but was thrown into a situation where I had to raise another kid. It was hard, but I’m the kind of person who tries to grow from hard times and, through my experience taking care of a baby, I learned the importance of listening to body language and nonverbal cues to understand the needs of others (baby and nonbaby, alike).

Without a prompt, clarity can be harder to achieve. That said, it is of the utmost importance that you find a focus. First, think about both your goals and your values.

Types of goals include:

• Career goals
• Goals for personal growth
• The type of friend you want to be
• The change you want to make in the world

Values could include:

• Authenticity
• And many more!

After you write out your goals/values, write out your achievements to see what goals/values you have “proof” of your commitment to. Your essay will ultimately be an exploration of your goal/value, what you have done about your goal/value in the past, and what you aspire to in the future.

You might be tempted to reflect on areas for improvement, but scholarships care about you living out your values. It is not enough to aspire to be exemplary in leadership, community service, or your academic field. For scholarships, you have to already be exemplary.

Finally, keep in mind that the review committee likely already has a copy of your extracurricular activities and involvement. Pick one or two accomplishments, then strive for depth, not breadth as you explore them.

My interest in the field of neuroscience began at a young age.  When I was twelve years old, my sister developed a condition called Pseudotumor Cerebri following multiple concussions during a basketball game.  It took the doctors over six months to make a proper diagnosis, followed by three years of treatment before she recovered.  During this time, my love for neuroscience was sparked as I began to research her condition and, then, other neurocognitive conditions.  Later, my love of neuroscience was amplified when my mother began to suffer from brain-related health issues.  My mother had been a practicing attorney in Dallas for over twenty years.  She was a determined litigator who relentlessly tried difficult cases that changed people’s lives.  Now, she suffers from a cognitive impairment and is no longer able to practice law.  Oftentimes, she has headaches, she gets “cloudy,” her executive functioning slows down, she feels overwhelmed, and she forgets things.  My mother has gone from being the strong, confident, emotional and financial caretaker of our family to needing significant help on a daily basis. Once again, with this illness came a lot of research on my part — research that encouraged me to pursue my dreams of exploring neuroscience.

Due to my experiences with my mother and sister when I was in middle school, I knew that I wanted to make a difference in the field of neuroscience.  I also knew that, to obtain this goal, I needed to maintain superior grades in school while also pursuing opportunities outside of school to further my education.  In school, I was able to maintain superior grades to the point where I am currently valedictorian in a class of 567 students.  In addition, in school, I challenged myself by taking 16 Advanced Placement classes and 19 Honors classes.  Two of the most beneficial classes were AP Capstone Seminar and AP Capstone Research.  AP Capstone Seminar and AP Capstone Research are research-oriented classes where students are given the opportunity to pursue whatever track their research takes them down.  As a junior in AP Capstone Seminar, I researched the effects of harmful pesticide use on the prevalence of Autism Spectrum Disorder (ASD) in children.  This year, as a senior in AP Capstone Research, I am learning about the effects of medical marijuana on the treatment of Multiple Sclerosis (MS).  

Outside of school, I furthered my education through taking advantage of the Duke TiP summer program. Duke TiP is a summer program run by Duke University where students who score extremely well on the SAT as middle schoolers are able to take college classes at different universities throughout the summers of their middle school and high school years.  I took advantage of this opportunity twice.  First, I went to Trinity University in San Antonio to expand my horizons and learn more about debate.  However, once I was done exploring, I decided I wanted to go into neuroscience.  This led me to take an Abnormal Psychology class at Duke University’s West Campus.  This class opened my eyes to the interaction between neuroscience and mental health, mental illness, and personality.  Years later, I am currently continuing my education outside of school as an intern at the University of Texas Dallas Center for Brain Health.  Through this internship, I have been able to see different aspects of neuroscience including brain pattern testing, virtual reality therapy, and longitudinal research studies.  With this background, I have positioned myself to be accepted by top neuroscience programs throughout the nation.  So far, I have been accepted to the neuroscience department of University of Southern California, the University of Virginia, the University of Texas, and Southern Methodist University, as well as the chemistry department at University of North Carolina–Chapel Hill.  

It is with this passion for neuroscience driven by my family and passion for education driven by internal motivation that I will set out to conquer my career objectives.  My educational aspirations consist of acquiring a bachelor’s degree in a biological or health science that would assist me in pursuing a medical career as a neuroscience researcher.  I decided to attain a career as a researcher since my passion has always been assisting others and trying to improve their quality of life.  After obtaining my Masters and my PhD, I plan to become a professor at a prestigious university and continue performing lab research on cognitive disorders.  I am particularly interested in disorders such as Autism Spectrum Disorder (ASD).  In the lab, I hope to find different therapies and medications to help treat the 3.5 million people around the world suffering from ASD.  Furthermore, I want to contribute back to underserved populations that struggle because they do not have as much access to medical assistance as other privileged groups.  As such, I hope to do a part of my research in less developed or developing Spanish-speaking countries. This will also allow me to pursue my love of Spanish while pursuing my love of neuroscience.  I think that following such a career path will provide me the opportunity to learn about the medical needs of the autistic community and improve their quality of health.  Furthermore, I hope to train a new generation of students to strive to research and make comparable discoveries.  Whether it be through virtual reality labs or new drug discoveries, I believe that research leads to innovation which leads to a brighter future. 

This student does a great job of making themself appear competent and dedicated to the field of neuroscience. This is primarily because they provided tangible evidence of how they have pursued their dedication in the past—through their AP Capstone courses, their Abnormal Psychology class at Duke TiP, and their internship at UTD. There is no doubt in the mind of a reader that this student is high-achieving. 

This student also engages successfully with a past-future trajectory, where they end with a vision of how they will continue to use neuroscience in the future. This helps the review committee see what they are investing in and the ways that their money will go to good use.

This student has two major areas for improvement. As we have said, the purpose of a personal statement is for a student to humanize themself to a review committee. This student struggles to depict themself separately from their academic achievements. A solution to this would be for the student to establish a theme towards the beginning of their essay that relates to both their values as a human and their achievements.

At the beginning of the essay, the student explores how their interest in neuroscience began. They explain their interest through the following sentences: “During this time, my love for neuroscience was sparked as I began to research her condition and, then, other neurocognitive conditions” and “Once again, with this illness came a lot of research on my part — research that encouraged me to pursue my dreams of exploring neuroscience.” The student made the great decision to tell the backstory of their interest, but they described their research in very mundane and redundant terms. Instead, they could have focused on their value of intellectual curiosity as a magnetic force that encouraged them to research their mother and sister’s ailments. Curiosity, then, could serve as a value-related thematic throughline to taking AP Capstone classes, taking college courses during the summer that weren’t required, and interning before even graduating high school.

A second area for improvement would be avoiding statistics. As the student identifies their valedictorian status and the number of AP classes they have taken, they might turn away certain personalities on a review committee by appearing braggy. Even further, these statistics are a waste of space. The review committee already has access to this information. These words distract from the major theme of the essay and would have been better used to humanize the student.

Throughout my academic career, I have been an avid scholar, constantly pushing myself towards ambitious goals. I held and continue to hold myself to a high standard, enrolling myself in rigorous curriculum, including Honors and Advanced Placement courses to stretch my mental potential. During my junior year of high school, I took four AP tests, two on the same day, and earned the AP Scholar with Honor Award. Additionally, I received the Letter of Commendation for the PSAT/NMSQT, and qualified for Rotary Top 100 Students both my freshman and senior year, a sign of my commitment to my studies. However, school has not been all about having the best GPA for me; beyond the numbers, I have a deep drive to learn which motivates me to do well academically. I truly enjoy learning new things, whether it be a new essay style or a math theorem. I always give each class my best effort and try my hardest on every assignment. My teachers have noticed this as well, and I have received school Lancer Awards and Student of the Month recognitions as a result. It is a major goal of mine to continue to aspire towards a high level of achievement regarding future educational and occupational endeavors; I plan on continuing this level of dedication throughout my educational career and implementing the skills I have learned and will learn into my college experience and beyond.

This fall, I will begin attending the University of California Los Angeles as an English major. I chose this major because I am fascinated by written language, especially its ability to convey powerful messages and emotions. I also enjoy delving into the works of other authors to analyze specific components of their writing to discover the meaning behind their words. In particular, I cannot wait to begin in-depth literary criticism and learn new stylistic techniques to add more depth to my writing. Furthermore, I recently went to UCLA’s Bruin Day, an event for incoming freshmen, where I was exposed to many different extracurriculars, some of which really piqued my interest. I plan on joining the Writing Success Program, where I can help students receive free writing help, and Mock Trial, where I can debate issues with peers in front of a real judge. The latter, combined with a strong writing background from my undergraduate English studies will be extremely beneficial because I plan to apply to law school after my undergraduate degree. As of now, my career goal is to become a civil rights lawyer, to stand up for those who are discriminated against and protect minority groups to proliferate equality.

As a lawyer, I wish to utilize legislation to ameliorate the plight of the millions of Americans who feel prejudice and help them receive equity in the workplace, society, and so on. Though this seems a daunting task, I feel that my work ethic and past experience will give me the jumpstart I need to establish myself as a successful lawyer and give a voice to those who are often unheard in today’s legal system. I have been a Girl Scout for over a decade and continually participate in community service for the homeless, elderly, veterans, and more. My most recent project was the Gold Award, which I conducted in the Fullerton School District. I facilitated over ten workshops where junior high students taught elementary pupils STEM principles such as density and aerodynamics via creative activities like building aluminum boats and paper airplanes. I also work at Kumon, a tutoring center, where I teach students to advance their academic success. I love my job, and helping students from local schools reach their potential fills me with much pride.

Both being a Girl Scout and working at Kumon have inspired me to help those in need, contributing significantly to my desire to become a lawyer and aid others. My extracurriculars have allowed me to gain a new perspective on both learning and teaching, and have solidified my will to help the less fortunate. In college, I hope to continue to gain knowledge and further develop my leadership skills, amassing qualities that will help me assist others. I plan to join multiple community service clubs, such as UCLA’s local outreach programs that directly aid residents of Los Angeles. I want to help my fellow pupils as well, and plan on volunteering at peer tutoring and peer editing programs on campus. After college, during my career, I want to use legal tactics to assist the underdog and take a chance on those who are often overlooked for opportunities. I wish to represent those that are scared to seek out help or cannot afford it. Rather than battling conflict with additional conflict, I want to implement peaceful but strong, efficient tactics that will help make my state, country, and eventually the world more welcoming to people of all ethnic and socioeconomic backgrounds. These goals are close to my heart and therefore I will be as diligent as I am passionate about them. My perseverance and love for learning and community service drive my ambition in both education and life as a whole, and the drive to make the world a better place is one that I will carry with me for my entire life.

This student emphasizes two values in this essay: hard work and community service. These are values that go together nicely, and definitely make sense with this student’s end goal of becoming a civil rights lawyer! That said, some changes could be made to the way the student presents their values that would make their personal statement more convincing and engaging.

Structurally, instead of using a past-future trajectory, this student starts by explaining their academic achievements, then explains their career goals, then explains their history of community service, then explains their future desires for community service. This structure loses the reader. Instead, the student should have started with either the past or the future. 

This could look like 1) identifying their career goals, 2) explaining that hard work and a commitment to community service are necessary to get there, and 3) explaining that they aren’t worried because of their past commitment to hard work and community service. Or it could look like 1) providing examples of their hard work and community service in the past, then 2) explaining how those values will help them achieve their career goals.

Additionally, like with our other example, this student shows a heavy investment in statistics and spouting off accomplishments. This can be unappealing. Unfortunately, even when the student recognizes that they are doing this, writing “beyond the numbers, I have a deep drive to learn which motivates me to do well academically. I truly enjoy learning new things, whether it be a new essay style or a math theorem,” they continue on to cite their achievements, writing “My teachers have noticed this as well, and I have received school Lancer Awards and Student of the Month recognitions as a result.” They say they are going beyond the numbers, but they don’t go beyond the awards. They don’t look inward. One way to fix this would be to make community service the theme around which the essay operates, supplementing with statistics in ways that advance the image of the student as dedicated to community service.

Finally, this student would be more successful if they varied their sentence structure. While a small-scale autobiography can be good, if organized, every sentence should not begin with ‘I.’ The essay still needs to be engaging or the review committee might stop reading.

Feedback is ultimately any writer’s best source of improvement! To get your personal statement edited for free, use our Peer Review Essay Tool . With this tool, other students can tell you if your scholarship essay is effective and help you improve your essay so that you can have the best chances of gaining those extra funds!

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Business Insider's rating methodology for student loans

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate student loans to write unbiased product reviews.

If you've exhausted other financial aid offerings and still need more cash to cover the cost of your schooling, you may consider taking out a student loan . We critique the lenders available and their loan offerings in reviews and guides that help you make the best borrowing decision possible. 

To ensure we evaluate all of them equally, we use a rating system that considers a range of factors from interest rates and fees to customer support and ethics. We consider the pros and cons of each company and product, comparing them with others that are available so you can decide which student loan matches your particular needs. 

What we look for when rating student loans

We rate all student loan products in our reviews and guides on a 1-5 scale. The overall rating is a weighted average that takes into account seven different categories, some of which are judged more heavily than others. They are:

• Interest rate (20% of rating)
• Fees (20% of rating)

Term lengths (15% of rating)

• Repayment options while in school (15% of rating)
• Borrower accessibility (15% of rating)

Customer support (7.5% of rating)

Ethics (7.5% of rating).

Each category's weighting is determined based on its importance to your borrowing experience. Rates and fees have the most significant impact on the total cost of your loan, so we weigh those the most heavily. Customer support and ethics are still crucial parts of the borrowing experience, but do not directly tie to a student loan's terms, so they have less of an impact on the overall rating.

Interest rate (20%)

We look look at the minimum and maximum rating a lender offers on its student loans to determine its rating. A low minimum rate is great for borrowers with excellent credit, while a low maximum caps the cost for borrowers with worse credit. We look at if a lender offers both fixed and variable rates. With variable rates, we consider how often the rate changes and what metrics are used to determine the adjustments.

• A lender will receive  5 out of 5 if its minimum variable and fixed APRs are among of the lowest on the market (about 2.99% for variable and 3.25% for fixed) and maximum rates are low (12% for variable and 13% for fixed) and it keeps its rates relatively steady.
• If a lender has a higher minimum APR but still has low rates (about 3.5% for variable and fixed) and a higher maximum APR (about 13.5% for variable and fixed) and changes its rates a little more frequently, it will earn 3 out of 5 . 
• Lenders with significantly high rate ranges and frequently fluctuating rates will get 1 out of 5 . 

Lenders may hit you with a variety of fees, from origination fees to late payment penalties. We give high marks lenders that charge minimal or no fees. 

• If a lender charges no fees, it will get a 5 out of 5 .
• Lenders with a small origination fee and a reasonable late fee will receive 2.5 out of 5 . 
• Lenders will get a  1 out of 5 if they charge hefty origination fees that take a significant portion out of your total loan amount and late fees that add up if you're delayed on payments. 

We determine if the company has a variety of repayment term lengths, offering options for borrowers who want to pay off their loans quickly and save on interest, as well as those who want to spread their costs over more years. Longer terms generally come with a higher interest rate that you'll have to pay for longer. 

We also see if the company sets repayment terms or if the borrower is able to choose.

• A lender will earn a  5 out of 5 if it offers several repayment term lengths and has many options to choose from. 
• Companies with fewer options for term lengths or a set repayment term length get a 3 out of 5 .
• Lenders will receive a 1 out of 5 if they have extremely tight loan amount ranges or select your term length for you from a limited number of options.

Repayment options while in school (15%)

The best lenders offer multiple options for repayment while in school, including deferred, fixed, interest-only, and full payment. The best repayment plan depends on your situation. 

• Lenders that have all four options will get 5 out of 5 .
• Lenders with three of the four options will earn 3 out of 5 .
• Lenders will receive a 1 out of 5 if they have only one option for the loans they make. 

Borrower accessibility (15%)

Lenders may only cater to borrowers in certain states, or with certain credit scores and income levels. We look at how accessible the lender is for borrowers with a range of backgrounds. Some lenders also don't require credit scores, making them even more accessible for students. 

• Lenders that are available in all states and have minimal or nonexistent credit requirements will get 5 out of 5 .
• A company that is available in almost every state or has slightly stricter eligibility requirements will receive a 3 out of 5 . 
• Lenders will get a 1 out of 5 if they aren't available in most states or if they have high barriers to entry for most borrowers. 

We take stock of the different ways you're able to contact customer support. For instance, we look at if you can contact someone over the phone, by live chat, through email, or regular mail. We also review customer service hours and give high marks for companies that offer around-the-clock service.

• A lender will receive  5 out of 5 if it offers several means of contact it and is open seven days a week for a significant portion of the day. 
• A lender with customer support available six out of seven days and many ways for you to contact it will earn 3 out of 5 . 
• Lenders will get a 1 out of 5 if they have limited ways for you to contact them and are only available during certain hours of the traditional work week. 

We look into the company to see if there have been any scandals in the past three years. We research if the company is known for being racist, or sexist toward its customers or staff or has predatory lending practices. We also consider the company's Better Business Bureau rating.

• A lender will receive  5 out of 5 if it has had no scandals in the last three years and has an A+ rating with the Better Business Bureau. 
• If a company has no scandals and a BBB grade of about B, it will get a  3 out of 5 .
• Lenders will get a 1 out of 5 if they have been a part of a significant scandal within the past three years or if they have a BBB grade of D or lower. 

Our ratings can help you determine which lender is best for you. Student loan loan lenders that earn high marks in each category will be our lenders with the highest overall ratings. Still, you may think about options with lower overall ratings if they are a better fit for your individual situation or if you prioritize a certain feature.

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Unsecured Loan: What It Is, How It Works And How To Get One

Updated: Mar 8, 2023, 3:14am

If you need to finance an upcoming project, unexpected expenses or even tuition, unsecured loans can help you get financing without pledging collateral like your home. These loans often come with less demanding qualification and application requirements than secured loans, and many lenders offer same- or next-day funding.

That said, unsecured loans pose more risk to lenders so you may be faced with higher rates and less favorable terms compared to secured loans. We’ll show you how unsecured loans work and help you decide if they’re a good fit for you.

What Is an Unsecured Loan?

Also called good faith loans or signature loans , unsecured loans are those that do not require the borrower to pledge any collateral . Common types of unsecured loans include personal loans, student loans and unsecured credit cards. You can get these loans from a wide range of traditional, online and government-backed lenders, and the application process is often less rigorous than for secured loans.

Secured vs. Unsecured Loans

Because unsecured loans don’t require collateral, they are riskier for lenders than secured loans —instead of seizing assets if a borrower defaults, banks are limited to collection actions like wage garnishment. To limit their risk when extending unsecured loans, banks and other lenders often require a higher credit score to qualify. Unsecured loans also come with higher interest rates and less favorable terms than their secured counterparts.

Related: Unsecured vs. Secured Loans

How Unsecured Loans Work

Unsecured loans typically range from $1,000 to $100,000, which you can use for a range of purposes. In general, annual percentage rates (APRs) range from about 6% to 36%, and loan terms often extend from two to seven years. However, loan amounts, rates, terms and permitted uses vary by lender, so borrowers should shop for loans that meet their individual needs.

Many lenders offer online prequalification so you can compare likely rates without having to apply and undergo multiple hard credit checks . Depending on the lender, prospective borrowers also may be able to apply for a loan—and receive a lending decision—online. And, because unsecured loans don’t require collateral, applicants don’t need to wait for an appraisal or otherwise demonstrate the value of any assets.

Once an unsecured loan is approved, funds are disbursed as a lump sum and interest begins to accrue on the entire loan amount. With unsecured credit cards and other lines of credit, the borrower can use the funds on an as-needed basis and interest only accrues on the outstanding balance. Payments must be made on a monthly basis and are typically reported to the three major credit bureaus, though there is typically a grace period when reporting late payments.

What Happens If You Don’t Pay Back An Unsecured Loan?

If you default on an unsecured loan, the lender will send your missed payments to a collection agency. This will result in collection calls and, following continued nonpayment, may necessitate legal action to recoup the outstanding debt.

If such legal action succeeds, the lender may recoup the loan balance through wage garnishment or, in the case of federal student loans, seizure of future income tax refunds. A lender may also place a lien on your home or another valuable asset. What’s more, the default will result in a significant drop in your credit score and will remain on your credit report for as long as seven years.

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Types of Unsecured Loans

There are many types of unsecured loans that you can use for a wide range of purposes. Not only can borrowers access traditional term loans—like personal loans and student loans—there are also unsecured revolving loans like credit cards and personal lines of credit. These are the most common types of unsecured loans:

• Unsecured personal loans. Personal loans are most commonly unsecured, though some lenders offer secured options. You can use this type of unsecured loan for a range of personal uses, including everything from unexpected medical bills to home improvement projects and travel. Just check with your lender to make sure your intended use is permitted before getting a personal loan .
• Personal lines of credit. If you’re facing expenses that will be spread over an extended period of time—like for home renovations—a line of credit lets you access funds on an as-needed basis. And, while certain lines of credit are secured, like home equity lines of credit , many lenders offer unsecured options.
• Unsecured credit cards. Credit cards are a type of revolving loan that lets borrowers access a certain amount of spending power that must be paid down each month. While secured credit cards are available, most consumer cards do not require collateral.
• Student loans. Both government-backed and private student loans are unsecured. That said, government-backed lenders may accelerate a loan so that it’s due immediately and can seize a borrower’s federal tax refund to recoup the outstanding loan balance.

Who Should Get an Unsecured Loan?

Unsecured loans are a great financing option for people who don’t want to offer up collateral, which is something of value a lender can repossess to recoup its losses if you default.

However, the lender takes on more risk without collateral and typically charges higher interest rates to compensate for the added risk. But if you have a credit score of at least 720, you can improve your chances of getting the lowest interest rates, so it can be a win-win for certain borrowers—no collateral with the lowest interest rates.

If you have limited credit and don’t qualify for unsecured loans, consider a secured loan as an alternative option.

How to Get an Unsecured Loan

The application process for an unsecured loan is more straightforward than for secured loans, and you can often complete it online. Still there are a few important steps to take to ensure you’re getting the best deal from your lender. Follow these five steps when applying for an unsecured loan.

1. Check Your Credit Score

Borrowers should have a credit score between at least 610 and 640 to qualify for a personal loan, but the most competitive rates are reserved for those with a FICO score of at least 720. Use a free online service to check your credit score before you apply. Not only will this help you anticipate your likelihood of approval, checking your score gives you the opportunity to improve it before you even submit your loan application.

2. Evaluate Your Budget

After reviewing your credit score, take some time to evaluate your current income and expenses. While you won’t have any collateral at risk with an unsecured loan, late payments will still impact your credit score, so it’s important that any new debt payments fit within your budget.

What’s more, most lenders consider a borrower’s debt-to-income ratio (DTI) when reviewing their loan application. This metric represents the percentage of a borrower’s income she must commit to outstanding debt payments each month. Ideally, you should have a DTI of 36% or less to qualify for a new unsecured loan, but this requirement varies by lender.

3. Shop for Lenders and Prequalify

Once your finances are in order, start shopping for lenders that offer the most competitive APRs and flexible repayment terms. Luckily, many lenders offer prospective borrowers a quick and easy online prequalification process. This lets future borrowers see what kind of APRs and loan terms they’re likely to qualify for without submitting their application.

4. Gather Documentation

If you’ve found a promising lender and are ready to take the plunge, research its application process. Though not necessary, collecting any necessary documentation like tax returns or W-2s before you apply can speed up the application, approval and funding process.

5. Submit a Formal Application

Finally, complete a loan application and submit it online or in-person. Many lenders now offer a completely online application process as well as quick approval times and same- or next-day funding. That said, the exact application process varies by lender, and you may need to discuss your loan with someone over the phone or in-person.

Where Can You Get Unsecured Loans?

You can get unsecured loans from three types of institutions:

• Online lenders. These are often technology-based non-bank companies that offer a small range of lending products, including unsecured loans. They typically offer lower interest rates compared to traditional banks or credit unions and can provide funds within 24 to 48 hours.
• Banks. Many local and national banks offer unsecured loans, such as personal loans. If you have an existing relationship with a bank, research its options and consider opening an unsecured loan through that bank.
• Credit unions. These are local to your community and tend to offer applications both online and in person. Credit unions require membership, so be sure to check if you’re eligible.

Pros of Unsecured Loans

Unsecured loans are a popular financing option for borrowers, largely because of their flexibility and less stringent application requirements. Here are some advantages of unsecured loans:

• Borrowers don’t need to own a valuable asset—like a home or vehicle—to qualify for an unsecured loan
• Lenders cannot directly seize collateral if a borrower defaults on an unsecured loan
• You can generally use unsecured loans for a wide variety of purposes
• The application process is less extensive than for secured loans because it doesn’t require an appraisal of collateral

Cons of Unsecured Loans

There are still a number of disadvantages you should consider before you commit to an unsecured loan. These are the cons of unsecured loans:

• Missed payments or default will have a negative impact on a borrower’s credit score
• Default may result in legal action and subsequent wage garnishments
• Due to the increased degree of risk, lenders often impose higher credit score requirements for unsecured loans than for secured loans
• Interest rates and terms are also likely to be less favorable—especially for applicants with a weaker credit history

Frequently Asked Questions (FAQs)

Do unsecured loans go on your credit report.

Yes, both unsecured and secured loans appear on your credit report. This also means that they impact your credit score. While your score will temporarily drop when you first apply, managing your loan responsibly and repaying it on time will boost your score over time.

What's the easiest loan to get with bad credit?

The easiest loan to get with bad credit is a personal loan for bad credit . Lenders that offer these loans accept credit scores as low as 560. However, you will likely receive higher interest rates because rates are heavily influenced by your credit score.

Are unsecured loans safe?

Yes, unsecured loans are safe. Unsecured simply means you aren’t required to provide collateral—something of value like the cash in your savings account that the lender can seize if you don’t repay your loan.

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Kiah Treece is a small business owner and personal finance expert with experience in loans, business and personal finance, insurance and real estate. Her focus is on demystifying debt to help individuals and business owners take control of their finances. She has also been featured by Investopedia, Los Angeles Times, Money.com and other financial publications.

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