Growing up, I was often surrounded by environments where drug use and financial instability were present. Even in those circumstances, I would imagine what life could look like beyond what I saw every day. Part of that curiosity came from growing up watching anime and being surrounded by family members who spoke Spanish. These influences made the world feel bigger than my immediate environment and sparked an early interest in different cultures and ways of life. I often found myself thinking about traveling, meeting new people, and experiencing places far outside the limited surroundings I knew. Those thoughts became a quiet but steady motivation. As I became older, it was no longer about getting through difficult situations, but about making decisions that could lead to long-term growth. One of the most important choices I have made was returning to school while managing my financial responsibilities independently. To make this possible, I moved back home to reduce living expenses and have continued working full time while staying committed to my academic goals. Rather than allowing financial limitations to determine my direction, I have continued my education. My perspective on travel and global connection became much clearer after participating in a mission trip to Vietnam. During that experience, I developed an appreciation for the culture, the people, and the ways communities support one another even in challenging circumstances. Since then, I have had the opportunity to travel outside of the United States to places such as Israel, Jordan, and London. Each time I traveled, I felt a strong sense of curiosity and connection rather than fear of the unfamiliar. These experiences strengthened my desire to continue learning about other cultures and economic systems. They also motivated me to begin studying the Vietnamese language so that I can communicate more effectively and build meaningful relationships in the future. Alongside my accounting studies, I earned my TEFL certification and have volunteered by teaching English as a second language. Through this experience, I have seen how language education can build confidence and create new opportunities for individuals who want to expand their future possibilities. Teaching has added to my interest in connecting with people from different cultural and economic backgrounds. It has helped me understand that global connection is not only about travel, but about learning how communication, education, and financial knowledge can work together to support meaningful growth. I am currently in the second-to-last year of my accounting degree, with my final coursework scheduled for Spring 2028 due to the structure of upper-level classes. Studying abroad is an important step for me as I move closer to completing this degree. I want to better understand how financial systems function in different parts of the world while continuing to teach and learn through cultural exchange. Gaining this perspective will help me develop a more global understanding of finance and strengthen my ability to serve diverse communities in the future. Part of this will be done by specializing in teaching financial terminology to ESL learners. Studying abroad would allow me to reach my long-term goal, which is combining financial guidance with cultural awareness so that I can help individuals and businesses build stronger economic opportunities. I want to use both my education and life experiences to help others feel more informed, capable, and connected in an increasingly global society. Receiving this scholarship would help reduce the financial burden of going to college. More importantly, it would support my continued growth into someone who not only achieves personal goals but also uses those opportunities to positively impact the lives of others.

For much of my early life, stability was something I had to learn to build rather than something that was naturally present. Growing up, I was exposed to environments where drug use and financial struggle were part of everyday reality. Experiencing that kind of uncertainty at a young age gave me an awareness of how much guidance, structure, and support can shape a person’s future. As I have grown older, I have worked intentionally to create a different path for myself, one focused on education, responsibility, and service to others. Today, I am pursuing my degree in accounting with the goal of helping individuals and small business owners gain clarity and confidence in their financial lives. I have seen firsthand how overwhelming finances and taxes can feel, especially for people who are already facing economic hardship. Many individuals are simply told what they owe or what actions they need to take without being given clear explanations or a realistic plan to move forward. This lack of understanding can create fear, poor decision-making, and long-term instability. My career goal is to change that experience for the people I serve. In the short term, I am focused on completing my education while maintaining strong academic performance and gaining practical experience in bookkeeping and financial organization. I am currently balancing full-time work, school, and personal financial responsibilities, including making the decision to move back home in order to reduce expenses and avoid additional debt. Although this season has required sacrifice and humility, it has strengthened my determination to build a career that allows me to contribute meaningfully to my community. In the long term, I hope to establish a financial services business that focuses on education, transparency, and support. My vision is to help clients understand where they are financially, where they want to be, and what realistic steps are needed to reach their goals. I want to create structured financial plans that feel approachable and achievable, especially for individuals who may feel discouraged by their circumstances. By offering clear guidance and access to trusted financial resources, I hope to help families and business owners build greater stability and opportunity for future generations. Beyond professional services, I also hope to create a sense of community among the people I serve. Financial stress can be isolating, and I believe that education and shared support can empower individuals to make healthier decisions and pursue new opportunities. As someone who has experienced financial uncertainty firsthand, I am motivated to use both my personal experiences and professional training to help others feel more secure and confident about their future. Receiving this scholarship would provide financial support as I continue working toward my degree. More importantly, it would help equip me to build a career dedicated to improving the lives of others by bringing understanding, a plan, and stability to those navigating financial challenges.

Faith has never been a background detail in my life. It has been the anchor. I did not grow up in stability. My childhood was shaped by addiction, chaos, and unpredictability. When your environment feels unsafe, you either become hardened or you start searching for something stronger than what surrounds you. For me, that search led to God. My faith became the one constant when everything else shifted. There were seasons in my life where I had every reason to become bitter, surviving two serious car accidents caused by distracted drivers, navigating financial strain, moving back home after renting on my own, rebuilding plans I thought were secure. In those moments, faith was what kept me going. It steadied my decisions. It reminded me that my identity was not tied to my circumstances. Faith has shaped how I respond to adversity. Instead of asking, “Why is this happening to me?” I ask, “What is God building in me through this?” That shift changes everything. I believe God calls us to stewardship, not just of money, but of character, influence, and opportunity. That belief is one of the reasons I am pursuing a degree in finance and building skills in business. I do not want success at the cost of integrity. I want to build something that honors God in how it operates, not just in what it produces. In business, it is easy to justify cutting corners, prioritizing profit over people, or compromising values for growth. My faith challenges that mindset. Scripture teaches diligence, honesty, and humility. It teaches that how we earn matters just as much as what we earn. I want my career to reflect that. Whether I am working in finance, bookkeeping, or eventually building my own business, I want clients and colleagues to experience integrity. I want my work ethic to reflect discipline. I want my leadership to reflect service. Most importantly, I want my life to reflect Christ in a way that is consistent and not performative. Faith also fuels my ambition. I do not pursue education simply for personal gain. I pursue it because I believe God has entrusted me with gifts and opportunities that I am responsible for developing. Growing up in instability, I once viewed survival as the goal. Faith expanded my vision. It taught me that thriving is possible and that success can be a platform for impact. I serve in my church community each week, working with youth who come from difficult homes. That service is not separate from my career goals; it is part of them. I believe business can be ministry when it is conducted with integrity and generosity. The immigrants honored by this scholarship built something from nothing through hard work and faith. I relate to that foundation. My background did not hand me stability I am building it, with God's help And I am building it guided by principles that do not change with the market. Faith has shaped my resilience. It has shaped my ambition. And it will shape my success. Because for me, success is not just measured in income, it is measured in integrity.

At 7:00 a.m. every Sunday, I drive a bus into neighborhoods many people prefer to ignore. Some of the children who step onto that bus don’t come with backpacks. Some don’t even come with coats in the winter. What they do bring is the weight of unstable homes — environments shaped by addiction, conflict, and uncertainty. For many of them, this bus ride is not just transportation to church. It is a moment of calm in the middle of chaos. I lead one of those bus routes. This is more than showing up and driving. I organize the weekly preparation, purchasing and packing snacks, coordinating volunteers, confirming our route, and communicating with families. I arrive at church early to prepare because I understand that consistency builds trust. When children come from unpredictable environments, reliability matters. But the real leadership happens in small moments. It’s remembering who had a hard week at school. It’s sitting next to a child who is unusually quiet. It’s making sure everyone has something to eat. It’s creating an atmosphere where laughter feels safe. I know how important that consistency is because I grew up in a home affected by addiction myself. I remember what it felt like to long for stability, for one adult who showed up every time. That experience shaped me. I don’t serve these children out of pity. I serve them out of understanding. Beyond driving the bus, I assist with organizing youth engagement activities and outreach efforts. We intentionally build relationships with families, not just attendance numbers. Leadership in this space means stepping into difficult environments without judgment and staying committed long-term. Leadership through service is important because it restores dignity. It communicates, “You matter,” in environments where children may not hear that often. Service is not about being seen, it is about seeing others. There is no recognition for early mornings or routine preparation. But there is impact. A child who feels safe, even briefly, carries that feeling with them. A teenager who experiences encouragement begins to believe in their own potential. Servant leadership has shaped who I am. It has strengthened my discipline, empathy, and sense of responsibility. It has taught me that real leadership is not about titles; it is about showing up consistently in places where it would be easier not to. I am pursuing higher education not just for personal advancement, but to expand the ways I can serve. My ambition is tied to impact. The stability I am building in my own life will allow me to continue investing in others. Every Sunday, that bus becomes a small but powerful reminder: leadership is not about standing in front, it is about standing beside. And I will continue to stand beside them.

In many Native families, stories are not just memories, they are survival tools. One of the earliest stories I remember is not one that was told around a fire, but one that unfolded quietly in my own home. I grew up in an environment marked by addiction and instability. Alcohol and drugs shaped much of my childhood. Yet even in the middle of that chaos, there was something else present, resilience. My family carried pain, but we also carried endurance. As a Native woman, I understand that our struggles did not begin with us. Generations before me experienced displacement, oppression, and systems designed to limit opportunity. The financial instability I witnessed growing up was not random. It was layered. Historical trauma has a way of echoing forward. But so does strength. As a young girl, I would lie awake imagining a different life, not just for myself, but for my siblings and my mother. I thought about college long before I knew how I would pay for it. Education felt like a bridge out of survival mode. I did not see a clear path, but I believed one could be built. That belief has shaped who I am. In my twenties, I survived two life-altering car accidents caused by distracted drivers. In seconds, life reminded me how fragile it is. Recovery was not just physical, it required rebuilding confidence, finances, and direction. Those moments forced me to ask: What story am I going to continue? The one handed to me? Or the one I choose to write? Today, at 33, I am pursuing a degree in finance while working and supporting myself without financial assistance. Recently, I had to move back home after leaving a rental, a humbling experience. Returning to the environment I once dreamed of escaping brought fear and frustration. But this time, I returned differently. I came back with vision, discipline, and purpose. In Native storytelling, heroes are not perfect. They are tested. They endure. They carry responsibility not only for themselves but for their people. My ambition is rooted in impact. I am studying finance and business because economic empowerment matters in Native communities. Financial literacy and entrepreneurship can create generational change. I want to build a stable future for my own family and use my knowledge to serve others, whether through mentoring, business ownership, or financial education. Representation matters. When Native students see someone who looks like them pursuing higher education in fields like finance and business, it expands what feels possible. The story that shaped me is not one of defeat, it is one of continuation. I come from people who survived. I come from people who adapted. I come from people who carried forward culture and strength despite adversity. Now it is my turn to carry the story forward, not just surviving, but building. And I intend to build something that lasts.

Some children grow up dreaming about what they want to be. I grew up dreaming about who I needed to become. I was raised in a home affected by drugs and alcoholism. Chaos was not occasional, it was daily. But even in the middle of that instability, I thought about college. I thought about building a career. I thought about becoming the person who could take my siblings and my mom out of that environment. Education wasn’t just a goal. It was an escape plan. When you grow up in survival mode, you mature quickly. I learned responsibility early. I learned how to read tension in a room. I learned how to work hard and stay focused even when everything around me felt unpredictable. But I also carried something else, determination. In my twenties, just as I began building independence, I survived two life-altering car accidents caused by distracted drivers. In seconds, everything can change. Both accidents forced me to confront how fragile life really is. Recovery wasn’t just physical. It was emotional. It was financial. It was mental. You begin to understand that time is not guaranteed. Now at 33, I am still rising. I am currently pursuing my degree while working, paying bills, and navigating life without financial assistance. Recently, I had to move out of the place I was renting and return home, the same environment I once dreamed of escaping. Coming back has not been easy. There is fear. There is pride that has had to be humbled. There is the quiet voice that asks, “Am I moving backward?” But I am not moving backward. I am regathering strength. Sometimes rising above something does not mean you never touch it again. Sometimes it means you return differently, with boundaries, with goals, with vision. I am finishing college because I refuse to let temporary setbacks rewrite my future. I am studying finance and building business skills because I want long-term stability. I want to create generational change. I want to prove to my younger self, the girl who dreamed of rescuing her family, that she was not naive. She was ambitious. I am working to break cycles, not just financially, but emotionally. I am learning that courage is not the absence of fear, it is continuing anyway. Evan Wissing was seeking a fresh start. I relate deeply to that. A fresh start is not a perfect beginning. It is a decision to keep moving forward despite your past. Education is my fresh start. It is the tool I am using to build a life defined by intention rather than instability. Some people are handed a foundation. Others have to pour their own concrete while standing in the rain. I am pouring mine. And I am not done yet.

The first time I realized I wanted to build something of my own wasn’t during a business class or while writing a plan on paper. It happened sitting in a small office across from a professional my family trusted with our finances. We had waited years for clarity, simple answers about where our money was going and what we were paying for. Instead, we left with more confusion than when we arrived. Walking out of that meeting, I remember feeling frustrated, but more than that, I felt a quiet conviction: people deserve better than this. That moment stayed with me. I began noticing how often people feel intimidated, unheard, or lost when they don’t understand systems that directly affect their lives. Small business owners, families, and individuals place trust in professionals, yet are left without transparency or explanation. I realized that my legacy would not be built by avoiding those moments, but by stepping into them and choosing to do things differently. I plan to create my legacy by building a business centered on clarity and honesty. The business I hope to create is a bookkeeping and tax practice that prioritizes education just as much as service. I want clients to understand their finances, not fear them. Instead of hiding behind complicated language, I want to break concepts down in ways that are clear, respectful, and approachable. My goal is for people to leave conversations feeling confident, informed, and capable of making decisions for themselves. Alongside my entrepreneurial goals, I also plan to establish a nonprofit organization focused on teaching English as a Second Language. Teaching ESL is something I already do voluntarily, and it has shown me how powerful education can be when it is given freely and patiently. Language is often an invisible barrier that limits opportunity, connection, and confidence. By offering ESL education at little or no cost, I hope to help individuals find their voice and feel empowered in their daily lives. This is how I shine my light through service, education, and consistency. I show up even when the work is unpaid, when progress is slow, and when the impact is quiet. Whether I am helping someone understand their finances or guiding them through a new language, I believe real change happens when people feel seen and supported. As an undergraduate student who had to move back home due to college and not making enough to live on my own, my journey has required perseverance. I work full-time, pay for my education out of pocket, and continue despite financial and personal challenges. Entrepreneurship has taught me that obstacles are not signs to stop, but opportunities to grow stronger. In the future, I hope my legacy reflects a life spent creating access, understanding, and opportunity. I want to build businesses and programs that help people stand confidently on their own. That is the legacy I am committed to building, and the light I intend to keep shining.

When I think about learning to use my voice, it honestly began on a day I didn’t expect to matter very much at all, the day my family and I met with a new CPA for our family business. I walked into that meeting hoping for something simple: answers, clarity, and reassurance. Instead, I walked out with a new understanding of communication and the role I want to play in helping others. Before that meeting, we had worked with a CPA for several years whom we trusted to manage our financial responsibilities. Each year, we repeatedly asked her for invoices so we could stay informed and organized. Every time, she assured us she would send them, and every time, she failed to follow through. After four years of waiting, she finally sent us an overwhelming bill that combined everything at once. As we reviewed the charges, we discovered something even more troubling: we had been billed for services that were never completed. Tasks she claimed to have done simply had not been done at all. We felt confused and taken advantage of by someone we trusted to guide us. Already stressed, we decided to find a new CPA. We were hopeful that this professional would restore our confidence and provide direction. However, when we asked about tax write-offs for small businesses she was unfamiliar with several of them. I remember sitting there thinking, How are small business owners supposed to survive when the people meant to help them don’t fully understand the work themselves? After the meeting, frustration settled in. Small business owners already carry immense responsibility. They shouldn’t have to fight for transparency or struggle to understand their own finances. In that moment, I realized how many families likely experience the same confusion and discouragement. People place their trust in professionals, pay for services, and still walk away feeling lost. It didn’t feel right, and for the first time, I felt a strong desire to speak up for others who don’t know how to advocate for themselves. That experience is what pushed me to return to school. I went back to college in my thirties because I want to understand finance deeply and use my voice to make a difference. I want to be the kind of financial professional who brings clarity instead of confusion. Someone who explains fees clearly, outlines services honestly, and treats clients with respect. I want small business owners to feel supported, informed, and included in the conversation about their finances. The journey hasn’t been easy. I work full-time, pay for school out of pocket, and moved back home because financially I had no other option. There were moments when budgeting felt overwhelming and discouraging. Scholarships are difficult to secure, even after countless applications, and progress often feels slow. Still, I continue because I want to help. It taught me that communication matters not just in leadership roles, but in everyday moments when someone is trying to understand their livelihood. It taught me that silence can be just as harmful as dishonesty. If we don’t speak up, nothing changes. My goal is to one day open my own bookkeeping and tax practice. I want to create a space where people feel comfortable asking questions and confident in the answers they receive. Looking back, that experience wasn’t loud or dramatic, but it changed the direction of my life. It showed me the power of communication and the importance of using my voice. That moment pushed me to return to school, to speak up, and to pursue a future where I can help others feel informed.

When I think back on why I wanted to go back to college, there is one moment that always stands out. I was sitting in my office working on my budget, like I usually do, and I remember staring at the numbers until my eyes burned. No matter how many times I rearranged things, it felt like nothing worked. I was working full-time, paying all my bills, trying to stay ahead, and covering my college tuition out of pocket. Eventually, the weight of everything hit me, and I just started crying at my desk. Life felt so hard in that moment like I was giving everything I had but still falling behind. But that moment also made something very clear to me: even if it was difficult, I wasn’t going to give up on my education. I needed to keep going. My name is Vanessa, and returning to school in my thirties has been one of the hardest but most meaningful choices I’ve made. I had to make sacrifices that I never expected, including moving back home. I loved living on my own and having my own space, but financially it just wasn’t possible anymore with tuition, bills, and the cost of living. Scholarships are extremely difficult to get, even though I’ve applied to so many, and paying for college alone has pushed me in ways I didn’t imagine. But I’m still here, still trying, and still believing in my future. One of the biggest reasons I returned to school is because I’m genuinely passionate about finance. As I’ve worked and learned more, I’ve noticed a huge gap in transparency within the financial and tax industry. Many CPAs and tax professionals don’t clearly show clients what they’re paying for, what services are included, and what ongoing support looks like. There’s often poor communication with small businesses and everyday people who just want to understand their money. I’ve seen how confused and overwhelmed people can feel, including my own family and the customers who come into our business. I don’t want people to just “get a service.” I want them to understand what’s happening with their finances, feel confident, and feel supported. Going back to school is part of my bigger goal: I want to bring clarity and education into people’s financial lives. I want to help small businesses communicate better with their accountants. I want families to understand their spending, taxes, and long-term planning. And I want to help the younger generation learn financial skills early so they don’t have to struggle the way many of us have. I want to be the person who explains things in a way that makes sense, not someone who just hands people papers to sign. I also want to help my family’s business grow. We are a small, family-run company, and we work hard every day. I want to use what I learn in school to support our bookkeeping, our systems, and our financial planning so we can be more organized, intentional, and prepared. My education isn’t just for me, it’s something I want to pour back into my family. Reading about Geneva Mabry’s story touched me in a deep way. She faced so much and still went back to school. Her determination reminds me that even when the road is long and heavy, it’s still worth walking even when tired and uncertain. This scholarship would take a huge weight off my shoulders and allow me to focus more on school without constantly worrying about how I’m going to afford everything. Thank you for the opportunity.

I had been praying for direction for a long time. Life felt full in work, church, and family. But there was a quiet stirring in my heart that something more was ahead. During a mission trip to Vietnam, that stirring became a clear calling. It was a humid afternoon when I sat with a group of local believers, listening to them share their testimonies through a translator. Their love for God, their humility, and their hunger to serve Him with everything they had moved me deeply. They didn’t have much, yet they gave freely. In that moment, I felt the Lord speak to my heart saying that I needed to go back to college to finish what I started. I knew exactly what He meant. For years, I had felt a quiet pull to return to school, but fear and finances always stood in the way. That day in Vietnam, surrounded by believers who gave all they had for the Kingdom, I understood that obedience matters more than comfort. When I came home, I applied to Colorado Christian University and began pursuing my Bachelor’s in Accounting. From the beginning, my goal hasn’t been about chasing a title it’s been about following a calling. I’ve always been passionate about helping others, whether it’s teaching Sunday school, mentoring youth, or serving in outreach events through my church. But I also realized that one of the greatest needs in both ministry and everyday life is financial stewardship. People want to honor God with their resources, but many simply don’t know how. I want to bridge that gap. Through accounting, I see an opportunity to turn faith into action to help individuals, families, and small business owners find peace, clarity, and freedom through good stewardship. Becoming a CPA and tax strategist isn’t just a career plan for me; it’s a ministry vision. I want to teach people how to handle finances with wisdom and confidence so that they can live generously and walk in the peace that comes from aligning with God’s principles. But this journey hasn’t been easy. Like many low-income, Latinx students, I’ve faced financial challenges that could have easily stopped me from pursuing higher education. Tuition, books, gas, and everyday expenses add up quickly, and there have been times I’ve had to make tough choices like moving back home to afford college. Still, every time I’ve doubted, God has provided through small blessings, extra work, or generous people who believed in what He’s doing in my life. This scholarship would relieve a tremendous burden. It would allow me to focus more on my studies, ministry, and outreach instead of constantly worrying about how to afford the next semester. More than that, it would be a confirmation of God’s faithfulness a reminder that when we take steps of faith, He meets us with provision. My walk with God has taught me that service isn’t limited to Sunday mornings. It’s lived out in how we love others daily how we use our time, talents, and education for His glory. In my church, I’ve taught young children about God’s Word, mentored teenagers who were struggling, and volunteered for community events. I’ve also had the privilege of tutoring international students in English, helping them find confidence in learning ESL. Every one of those experiences reminds me that serving is less about what we have and more about what we’re willing to give. I want my career to carry that same heart. Once I become a CPA, I plan to host free community workshops teaching families and small business owners how to budget, manage debt, and prepare for taxes in a way that honors God. I want to develop bilingual resources so both English and Spanish-speaking families can access practical financial tools. I also hope to partner with churches and nonprofits to provide financial guidance to those who can’t afford professional help. Education is not just an investment in myself it’s an investment in the people I’ll one day serve. I see this degree as training for ministry, preparing me to use my skills to advance God’s kingdom in a very practical way. Through this scholarship, I would be able to complete my education with less financial strain and more focus on becoming the person God has called me to be. Being a good steward of what God gives us is something I take seriously. I’ve learned to stretch every dollar, manage my time carefully, and seek wisdom in every decision. This scholarship would not only help with immediate costs but would also multiply into something much greater, a ripple effect of generosity and service in my community. When I think back to that day in Vietnam, I remember the peace that came with saying “yes” to God’s call. It wasn’t a loud or dramatic moment it was quiet, but powerful. That trip reminded me that our lives aren’t about comfort or control; they’re about obedience and purpose. Going back to college wasn’t the easiest decision, but it was the right one. It’s allowed me to grow in both faith and knowledge, preparing me to serve others in ways I never could have before. I’m grateful for this opportunity not just to receive financial help, but to share the story of what God is doing through education, faith, and obedience. If chosen, I will continue to walk in humility, serve with compassion, and give back as much as I can to the people and communities around me. This scholarship wouldn’t just change my financial situation it would strengthen my mission: to serve others with excellence, to reflect Christ in all I do, and to remind others that when God calls, He also equips.

The first time I taught Sunday school, I was nervous. The kids were energetic, the lesson was short, and I wasn’t sure I had made much of an impact. But at the end of class, one quiet student tugged on my sleeve and said, “Thank you for praying for me last week.” I hadn’t realized he even noticed. In that small, unexpected moment, I understood that community service isn’t about grand gestures or recognition, it’s about showing up faithfully for others, even when you don’t see the results right away. That moment planted something in me. Since then, I’ve served in many ways teaching youth lessons, helping organize church outreach events, teaching ESL to international students, and mentoring teens. Each opportunity reminded me that service is less about position and more about heart. Whether I’m cleaning up after an event or helping a student pronounce a new word, I’ve learned that genuine service begins with compassion. Community service, to me, means looking beyond yourself. It’s seeing someone else’s need and deciding to step into that space with humility and finding ways to encourage others. I’ve watched students light up when they realize they can actually communicate in English. I’ve seen children grow in confidence because someone believed in them. And I’ve felt the quiet joy of knowing that even small efforts can ripple farther than I might ever see. My faith has shaped how I view service. I believe that God calls each of us to use our gifts to uplift others. For me, that calling has led to a desire to bring clarity and peace into one of the most stressful areas of people’s lives: their finances. I’m currently pursuing a degree in Accounting at Colorado Christian University, and my goal is to become a CPA and tax strategist who helps families and small business owners build stability and confidence. I have recognized a gap in this area and part of that gap is providing transparency in a way that the client understands. Also, being there side by side with clients to make them feel confident to make good choices. I’ve seen firsthand how financial stress can weigh down a household or a dream. Through my future career, I want to give people tools that free them, not just spreadsheets and budgets, but understanding. I plan to offer free financial literacy workshops for my community, teaching practical skills like budgeting, debt management, and saving for the future. I want to create an environment where people feel safe to ask questions, learn, and rebuild without feeling ashamed. Community service will always be at the center of what I do. Whether in a classroom, a church, or an office, I want my work to carry the same heart I’ve learned through volunteering, the heart to see people, serve them, and remind them that they are capable of more than they think. Allison Thomas Swanberg’s legacy resonates deeply with me. She dedicated her life to helping students achieve their goals, often working behind the scenes to make their dreams possible. That kind of selfless service is something I aspire to emulate. Like Allison, I want my life to be measured not by titles or achievements, but by the people I’ve helped along the way. I may never know the full impact of every act of service, but I know this: when we give our time, skills, and compassion, we make the world a little more whole. Through my faith, my career, and my daily actions, I want to continue helping others build a future they once thought was out of reach.

I did not expect to be moving back home at 32, but here I am. I gave up living on my own so I could afford to continue my education and work toward my degree in accounting. I do not qualify for financial aid, and working full-time while going to school has pushed me to my limit. But I am committed. I have made sacrifices because I believe in what I am building, not just a career, but a future I can be proud of. Accounting has always felt like a natural fit for me. There is something rewarding about making things balance, finding clarity in the details, and helping people feel more confident with their finances. I want to support individuals, families, and small business owners, especially those in communities like mine where financial literacy can make a lasting difference. As I work toward this goal, I have thought a lot about how artificial intelligence is changing the accounting field. AI is already being used to automate tasks that once required manual entry, including expense categorization, bank reconciliations, tax preparation, and financial reporting. These tools are becoming more advanced and more accurate, and they are playing a growing role in how firms manage their day-to-day operations. There are many benefits to this technology. AI improves efficiency, reduces human error, and gives accountants more time to focus on analysis, forecasting, and decision-making. It helps businesses operate more smoothly and gives smaller companies access to tools that were once only available to large firms. But there are also real concerns. Many entry-level roles are being replaced by automation, which makes it harder for students like me to gain experience and build a foundation. There is also a risk of relying too heavily on technology and losing the deep understanding of accounting principles. And while AI can process data, it cannot offer human judgment, communicate with empathy, or understand the ethical weight of financial decisions. Personally I like AI for more personal use to create schedules for me so I believe it is something everyone should learn to use. It’s beneficial, but there are also studies that show that people are using it so much that people are having a hard time making hard decisions on their own without using AI. I believe that accounting will always need people who can think critically, care deeply, and build trust with others. I want to become that kind of accountant, someone who uses AI as a tool but leads with skill, integrity, and compassion. This scholarship would ease a heavy financial burden and allow me to keep moving forward to help others.

Most people wouldn’t expect a child from a violent, drug-addicted home to dream of becoming a business owner, community leader, and educator. But I’ve always known that the life I was born into didn’t have to be the life I stayed in. I remember lying in bed at night as a child, praying for peace. There were many nights filled with fear—fear of yelling, fear of doors slamming, fear of not knowing what would happen next. But even in the middle of that chaos, I dreamed. I knew I wanted to be someone who helped others, someone who created safety and structure. Now, at 32, I am living proof that transformation is possible, and I’m working hard to turn those dreams into a reality—not just for myself, but for everyone I serve. Currently, I’m pursuing my bachelor’s degree in accounting while working full-time at my family’s flooring and blinds business. My days are long, often starting at 4:30 a.m. and ending late at night after I’ve completed homework or studied for a test. I’ve learned firsthand the importance of financial literacy, accurate bookkeeping, and entrepreneurship. I’ve also experienced what happens when those skills are missing—confusion, disorganization, missed opportunities, and added stress. My dream is to become a Certified Public Accountant (CPA) and run a successful faith-based bookkeeping and consulting firm that supports small businesses, nonprofits, and families—especially those who come from disadvantaged backgrounds like mine. Graduating with my accounting degree is more than a personal milestone. It’s the foundation for everything I hope to build: a business that not only provides services but also educates and empowers others. I want to teach financial literacy to youth and families, create job opportunities, and eventually offer mentorship programs for women rebuilding their lives. I also plan to create printables, journals, planners, and tools that help people manage their money, time, and goals with purpose and confidence. But my aspirations don’t end there. I’m also currently working toward my TEFL (Teaching English as a Foreign Language) certification, with plans to launch an international English program—first virtually, then physically in Vietnam. I’ve already started tutoring Vietnamese learners online, and I’m designing a curriculum tailored to adults with no English background. My long-term goal is to open a physical school in Vietnam where language learning is paired with business skills, faith-based leadership, and community building. I want students to leave not just fluent in English but confident in their purpose and equipped to thrive globally. These goals are big. They will take time, effort, and resources to bring to life. And that’s where this scholarship plays a crucial role. For years, I’ve worked hard to stay out of debt, but life hasn’t always made that easy. I’ve been in three car accidents that totaled my vehicles and resulted in unexpected expenses. I live on my own and manage all of my finances independently. I work 40+ hours a week, attend college full-time, and still make time to volunteer with my church—teaching Sunday School, helping with the youth ministry, and supporting church billing and administrative work. Every dollar counts. Receiving this scholarship would lift a huge weight off my shoulders and allow me to fully focus on my education without worrying how I’m going to afford textbooks, tuition, or the gas I need just to get to class and work each day. Beyond my work and academic life, I’ve embraced personal development as a lifestyle. I recently implemented a structured morning routine that includes prayer, Bible reading, and exercise. I’ve committed to a 77-day challenge that incorporates daily progress photos, water intake, outdoor walks, financial discipline, and language learning. These habits keep me grounded and strengthen my ability to manage stress, prioritize goals, and grow in every area of my life. I’ve already used the tools I have to create real impact—streamlining financial processes for my family’s business, mentoring teens at church, and launching a planner that blends time management with spiritual growth. Imagine what I could do with the full support of a college education and financial stability. This scholarship wouldn’t just help me graduate—it would accelerate everything I’ve been working toward for over a decade. It would help me complete my degree, pass my CPA exam, launch my business, and expand my ESL teaching initiatives. Most importantly, it would allow me to continue giving back—to serve more people, create more impact, and help others rise above their own challenges the way I’ve been rising above mine. My future plans are rooted in a desire to serve, create, and empower. I see myself traveling to teach financial and language skills, building businesses that are run with integrity and heart, and writing curriculum that makes learning accessible and meaningful. I see myself helping women recover from brokenness and guiding youth who’ve been told they won’t amount to anything. Because I’ve lived those realities, and I know that with the right support, those stories can be rewritten. Graduating with my degree is the key to unlocking these possibilities. It’s more than a personal goal—it’s a mission. I’m not just chasing a title or income. I’m chasing impact, transformation, and generational change. I am also committed to helping my family. One of my goals is to pay off my parents’ mortgage and assist in scaling the family business so it can run more efficiently, with clearly defined roles, systems, and pricing strategies. I want my parents to enjoy the fruit of their labor while knowing that the business is in good hands. I believe the best way I can honor their sacrifices is by using my education to create something lasting and sustainable. I’m deeply grateful for opportunities like this scholarship. They remind me that I’m not alone. That even when things feel overwhelming, there are people and organizations who see value in helping others succeed. I am ambitious, not because I want to be great for myself, but because I want to be great for others—for the little girl I used to be, for the students I teach, and for the women I hope to inspire. I know I have a long road ahead, but I also know I’m prepared to walk it—with faith, perseverance, and gratitude. I am not just a survivor—I am a builder. And this scholarship would be one more building block in the legacy I’m creating: a legacy of hope, service, and success built on a foundation of faith, hard work, and purpose.

I grew up in a home filled with chaos, where addiction, violence, and instability were a part of daily life. As a young girl, I learned to shrink myself to survive, to walk on eggshells, and to carry a strength far beyond my years. But even then, deep inside, I carried dreams. Dreams that one day I would be free, that I would be whole, that I would use my pain to help others rise too. I am worth the dreams I aspire to achieve because I’ve fought for them through every storm and I’m still standing. At 13, my brother and I began attending church with a neighbor in search of peace. That small decision changed the course of our lives. It introduced me to a God who heals, a community that uplifts, and a future I had never known was possible. Today, I teach Sunday School, volunteer with my church’s bus ministry, and help lead a STEAM project for youth. I pour into the next generation because I know what it’s like to grow up without guidance, and I want these kids to believe they are worth something too. But I don’t just dream of being a light, I’m building a foundation to make it last. I am currently a full-time college student pursuing my bachelor’s degree in accounting, while working full-time at my family’s small flooring and blinds business. I’m also launching my own bookkeeping firm and developing ESL resources for Vietnamese learners. My goals are bold, but so is my resolve. I want to become a CPA, run a faith-based financial education business, and eventually open a physical school for English learners in Vietnam. These dreams are not just about me. They’re about creating a legacy, about empowering women, youth, and underserved communities to believe in their worth and walk in purpose. I’ve already helped bring structure to my family’s business, mentored students at church, and created printable tools to help others stay organized, grounded in faith, and focused on their goals. I know I’m worth the dreams I’m building because I’m not waiting for perfect conditions, I’m working through the hard and showing up anyway. The journey hasn’t been easy. I’ve been in three car accidents, each totaling my vehicle. I live alone and manage my own finances, trying to stay out of debt while investing in my education. I juggle classwork, ministry, work responsibilities, and family. Some days, I’m exhausted. But I know who I am. I am a woman of faith. I am resilient. I am resourceful. And I believe that God placed these dreams in my heart for a reason. I aspire to be the kind of woman who multiplies what she’s given. Who speaks life into others. Who leads by example, not perfection. I don’t dream for comfort, I dream for impact. I want young girls who come from brokenness to see that their story doesn’t disqualify them; it qualifies them to lead with compassion and courage. This scholarship would help me move forward without the financial stress that too often slows women like me down. As I know what it is like to live on my own and still have to pay the bills while working and finding time to relax without getting to burned out. I am worth the dreams I aspire to achieve—not because of what I’ve been through, but because of who I’ve become because of it.

The first time I realized life could be different, I was 13. Up to that point, I lived in a home surrounded by addiction, physical violence, and mental abuse. My parents struggled with drugs and alcohol, and our household was filled with chaos. I never knew peace or stability as a child. I often hid in silence, unsure of who to trust or what “normal” even looked like. At one point, my brother and I decided to escape by going to church with our neighbors. That moment sparked a turning point—not just in my life, but in my family's story. Eventually, my father began attending church too. He experienced a spiritual transformation that led him to sobriety. Our family, once broken and hopeless, started finding healing. While I’m grateful for how far we’ve come, I still live with the emotional scars of those early years. Even now, at 32, I am learning to heal and work through the trauma of my childhood. Fear and anxiety often try to hold me back, but I’m committed to healing and creating a new future. One of the ways I’m doing that is through education. I work full-time while attending college full-time to earn my bachelor’s degree in accounting. Although I am not the first in my family to go this far in higher education, I am trying to provide a better future for me and my family through education. Balancing work, classes, assignments, and daily responsibilities on my own hasn’t been easy, especially with the weight of past trauma still affecting my mental and emotional energy. But I’m determined. I’m doing this not only for myself but to show others that your beginning doesn’t have to determine your end. Life has thrown me more than my fair share of curveballs. In the last few years, I’ve been in three separate car accidents—none of them my fault. Each time, my vehicle was totaled, and I faced unexpected medical bills and transportation struggles. I’ve worked hard to remain debt-free, but these setbacks made that goal difficult. I’ve had to rebuild financially while still pushing forward with school, work, and healing. There have been days when I felt like giving up—but I didn’t. Because I’ve made a commitment to myself: to grow, to overcome, and to finish what I started. Accounting isn’t just a career for me—it’s a calling. I want to use my skills to help others gain control of their finances, especially those who have gone through trauma or poverty. Money should be a tool, not a trap. With the right education and support, people can be empowered to make better choices and create a brighter future. My goal is to become a Certified Public Accountant and eventually run my own firm that helps small businesses, churches, and families thrive. This scholarship would provide more than just financial assistance—it would give me breathing room. It would mean one less bill to worry about, one step closer to financial stability, and one more reminder that others believe in my journey. I’m committed to rising above my past and building a life rooted in faith, purpose, and resilience. Thank you for considering me for this opportunity. Your investment in my education would not go to waste—it would ripple out to others who need someone to believe in them, just like I needed when I was a little girl praying for peace.

Numbers tell stories. For as long as I can remember, I’ve been fascinated by the way finances can shape lives not just as dollars and cents but as tools to create stability, opportunity, and even hope. My passion for accounting and my dream of becoming a Certified Public Accountant (CPA) and Certified Financial Planner (CFP) are the foundation for this belief. Growing up in a household that struggled with addiction and instability, I witnessed firsthand the stress and chaos that financial insecurity can bring. That experience ignited a desire in me to help others navigate their finances and build a foundation for their futures. Accounting isn’t just about balancing books or preparing taxes; it’s about solving problems and offering guidance. It’s about helping a small business owner understand their cash flow so they can keep their doors open or showing a young family how to save for their first home. These moments make the work deeply personal for me. I’m not just passionate about accounting because it’s practical or lucrative. I’m passionate because it is something that can help everyone and society. Volunteering in my church’s missions department has given me a firsthand view of the difference financial clarity can make. By managing bookkeeping for the department, I’ve seen how even a small amount of organization and planning can have a ripple effect, allowing resources to go further and impacting more lives. Additionally, each year, I teach an eight-week financial literacy course to individuals struggling to manage their money. Watching participants learn to budget, save, and take control of their finances inspires me to keep going. These experiences have solidified my commitment to opening my own accounting firm, where I can provide accessible and compassionate financial services to those who need it most. But my passion doesn’t stop at accounting. I’ve recently begun teaching English as a second language to Vietnamese learners and hope to earn my certification to expand this endeavor. Teaching has shown me how empowering education can be, and it’s made me curious about exploring international finance certifications in the future. By understanding global financial systems and helping individuals worldwide, I hope to make an even broader impact. What drives me most in this field is the potential to change lives. not just by solving immediate financial challenges but by giving people the tools to sustain their success. I see accounting as a way to serve others. This is why I am so passionate about my chosen major and future career path, it’s not just about numbers; it’s about people. As I work toward my degree, I envision a future where my skills in accounting and financial planning can help others turn their dreams into reality. Whether it’s a family finally getting out of debt, a nonprofit reaching more people with its mission, or a small business thriving in a competitive market, I want to be part of those success stories. I chose this path because I believe in the power of numbers to tell stories and in my ability to help others write theirs.

Growing up, I never imagined I’d be here, 32 years old, managing a single-income household, working full-time, and pursuing a college degree to become a Certified Public Accountant (CPA) and Certified Financial Planner (CFP). The path hasn’t been easy. Living on my own, with no one else to lean on financially, has taught me the value of perseverance and resourcefulness. Today, I stand at the intersection of where I’ve been and where I want to go, driven by a vision to make a difference in my life and the lives of others. I’ve always been passionate about helping people reach their potential, especially when it comes to their finances. For years, I’ve volunteered at my church’s missions department, assisting with bookkeeping. I also teach an annual eight-week financial literacy class, helping people understand how to budget, save, and take control of their money. Seeing someone go from feeling overwhelmed to confident in managing their finances is why I do what I do. It’s also why I dream of opening my own accounting firm, where I can provide affordable bookkeeping and tax services to individuals and small businesses. This scholarship would allow me to focus on my studies without the constant worry of how I’ll make ends meet. With rising costs and the responsibilities of living alone, financial stress can be daunting. This support would help me continue my education debt-free, giving me the freedom to fully invest in my future and, by extension, the futures of those I hope to serve. But my aspirations don’t stop at becoming a CPA and CFP. I’ve also begun working toward my certification to teach English as a second language. Currently, I teach English to a group of Vietnamese learners, an experience that has opened my eyes to the power of education in breaking barriers. My hope is to expand this work, teaching English to non-native speakers worldwide while exploring international finance certifications. I want to bridge cultures and create opportunities for others. Of course, every journey comes with setbacks. Earlier this year, I found myself in a difficult financial situation after a car accident. Despite all my knowledge and the lessons I teach others, I struggled to manage my own expenses. For a while, I felt like a failure, overwhelmed and unsure of how to move forward. But through prayer and reflection, I realized that worrying will not solve problems. That experience taught me to take things one day at a time and reminded me of the importance of practicing the same patience with myself that I show to others. Every week, I teach Sunday school to teenagers, helping them in life’s challenges and dream big for their future. I also run a bus program that ensures children from all walks of life can attend church, where they find not just spiritual guidance but also a sense of belonging. These roles are deeply personal to me because I know what it’s like to need someone to believe in you. By giving my time and energy to young people, I hope to be that someone for them. I believe my greatest strengths lie in my adaptability, organization, and ability to connect with people. Whether it’s creating systems to make work more efficient, breaking down complex financial concepts into understandable steps, or encouraging someone to see their potential, I thrive on finding solutions and building relationships. This scholarship is not just a financial opportunity, it’s an investment in a vision. With this support, I will not only achieve my academic and career goals but also continue to help others through financial literacy and language education.

“Pain doesn’t define me.” Those were the words my sister said to me shortly after she returned home from the military, her back fractured in four places and newly diagnosed with rheumatoid arthritis. At just 19, she had joined the military to escape the confines of what was her life at the time, but what she gained through her service and the challenges she faced afterward have left an indelible mark on me. Not long into her service, little did she know that the trajectory of her life would change. The injury was severe, and the subsequent diagnosis of a chronic condition added to her struggles. Watching her go through a world of daily pain could have been disheartening, but instead, her resilience became a source of inspiration. Rather than focusing on what she lost, my sister chose to focus on what she could still give, and that perspective taught me some of the most important lessons I carry today. The first lesson she taught me is one of perspective. My sister’s days are filled with challenges, yet she greets them with gratitude and joy daily. I’ve seen her grimace through pain but still smile, refusing to let hardship overshadow her joy. She often reminds me that no matter how tough life feels, it could always be harder. Watching her live this truth has transformed the way I approach my own difficulties. I’ve learned to find silver linings, to appreciate the small victories, and to take life one day at a time. And trust me there have been plenty of times to apply this lesson. What’s even more remarkable is the shift in her demeanor since her military service. Before she joined, my sister was prone to emotional reactions, her heart often worn on her sleeve. Now, she carries a calm, almost unshakable presence. I’ve yet to see her worry or succumb to fear, no matter the situation. Her faith in God and trust in His plan have grounded her, and through her example, I’ve learned to let go of the things I cannot control. She taught me that I don’t need to fight every storm outside me if I can calm the one within. Her transformation has taught me the power of resilience and faith. I’ve come to realize that true strength doesn’t come from avoiding challenges but from facing them head-on with trust that everything will workout. When life feels overwhelming, I hear her words in my mind: “God’s got this.” Her steadfast belief in those words gives me the courage to keep going, no matter what. Beyond the personal lessons, my sister’s story has deepened my appreciation for what military service truly entails. It’s not just about wearing a uniform it’s about sacrifice, perseverance, and the courage to keep giving even when the personal cost is high. My sister’s pain is a daily reminder of that sacrifice, but her resilience is a testament to the strength of those who serve. Her journey has left an indelible imprint on my life. Whether I’m helping others in my community, pursuing my education, or navigating my own struggles, I carry the lessons she’s taught me: to stay positive, to trust God’s plan, and to approach life’s challenges with calm and courage. My sister’s story began with a desire for a fresh start, but it became so much more, a journey of transformation, faith, and strength. Watching her navigate her pain with such grace has taught me that life’s challenges, no matter how daunting, can shape us into stronger, more compassionate versions of ourselves. For that, I’m forever grateful to her.

This past year, I felt a strong calling to go on a mission to Vietnam a trip that, little did I know, would forever shape my faith. Preparing for this journey, I carefully planned and saved, sensing in my heart that something extraordinary awaited. What I didn’t realize was how challenging the road would be, and how profoundly my faith would be tested along the way. September 11, 2023, started like any other day. I was following my morning routine, one designed to keep me grounded and motivated. After 30 minutes of prayer and devotion, I headed out to the gym in the pouring Colorado rain, not knowing my life was about to take a sharp turn. As I approached a four-way light, my signal turned yellow, so I kept moving. But as I crossed the intersection, another driver, who should have stopped at their red light, didn’t. In an instant, they collided with my car, throwing my plans and my life into a tailspin. My car was totaled, and my knee was injured, requiring weeks of physical therapy. As I grappled with medical bills and rent, the mission to Vietnam started feeling more like a distant dream than a possibility. Stress began to creep in. My finances were stretched thin, and with the expenses piling up, the $3,000 I needed for the mission seemed out of reach. Yet, despite the overwhelming doubts, something in me said to keep going. I kept praying, kept pushing forward, hoping that if this trip was truly God’s will, somehow, the path would open. December came, and though I had managed to find a replacement car, financial pressures loomed. I wrestled with the uncertainty, but through the fog of anxiety, I held onto my faith, believing that God would make a way. Then, out of nowhere, I received a call from the head of missions at my church, and he shared the news that changed everything: someone had made a substantial donation to cover most of my trip costs. Suddenly, all I needed to provide for was my food and accommodations. With that, I knew this journey was truly meant to be. The mission trip to Vietnam touched me in ways words can hardly capture. I connected with people, witnessed lives being changed, and felt an undeniable stirring in my heart to do more. On my return, this calling blossomed into action: I began teaching English to non-native speakers, and, with a newfound sense of purpose, I enrolled in college to further my education and serve my community in even greater ways. This journey taught me that faith is not just about believing in the good times it’s about holding on when things feel impossible, trusting that God’s provision will find us even in our darkest moments. This chapter of my life was a reminder that, even when I couldn’t see the way forward, faith was there to light my path. Through this experience, I learned that the obstacles we face are often the very tools that refine our purpose. I am excited to see where my path of service and faith will lead me next.

What inspires me to get involved in my community stems from my own childhood experiences. Growing up in a home marked by addiction and abuse, I knew I wanted something better for my life, my family, and for others, particularly young people. From a young age, I made a conscious decision not to follow in my parents’ footsteps. This determination to break away from that cycle has shaped much of what I do today, driving my passion for helping the next generation pursue their dreams. I believe that many young people in my community are often told they have to live a certain way, confined by the same struggles that have surrounded them. But I know firsthand that there is so much more to life than the limitations placed upon us by circumstance. It’s incredibly important to me that others realize they can break free from those boundaries and discover passions and dreams they may not have even known existed. I find joy in encouraging and guiding youth to explore their potential and see the world beyond their current environment. One of the main ways I’ve worked to inspire and influence change in my community is through education. I teach Sunday school to ages 13 and up at my church, where I try to provide more than just lessons on faith—I strive to show these kids that they are capable of much more than they might think. Through these sessions, I aim to open their eyes to new possibilities, teaching them about not only spiritual growth but also personal development. In addition, I volunteer weekly at a local school, teaching science to 12- to 14-year-olds. I make time for this despite a busy work schedule because I believe that offering my knowledge and encouragement to students is one of the most impactful things I can do. Watching them engage in new concepts and helping them develop a love for learning fuels my passion for serving my community. Beyond the classroom, I also help run a Sunday school bus at Christian Growth Center in Pueblo, CO, where we pick up children from the community and bring them to church. There, we teach them valuable life lessons, provide them with a safe space, and ensure they are fed—both physically and emotionally. Being part of these children's lives, even in small ways, motivates me to continue giving back and making a difference in my community, one young person at a time.