Free money--but really
Apply to scholarships is a no brainer. It requires some effort but the payoff is huge, literally. There are many scholarships specifically for students studying abroad.Here are a list of just a few:
The UFIC offers about six different scholarships for students studying abroad in all semesters. One application makes you eligible to receive any of the scholarships the office provides. The application is simple and run through the same program as the UF sponsored study abroad applications.
The big kahuna of study abroad scholarships is the Benjamin A. Gilman International Scholarship. Qualifying for this scholarship isn't the easiest thing but if you qualify it's worth applying for. To qualify you must be: receiving the federal pell grant, studying abroad for longer than four weeks and accepted to a study abroad program that is not currently listed in the U.S. Department of State's current Travel Warning list. Out of less than 1,000 recipients, 11 University of Florida students received the Gilman to study abroad in the spring of 2013. This can likely be attributed to the addition of a Gilman Scholarship Adviser to the UFIC full-time staff, Joshua Perry.
The Gilamn application process includes a rigorous essay writing requirement. The Gilamn website has posted video tutorials that guide applicants through writing a competitive essay. No matter what you are applying for, essays can be the deciding factor that sets you apart from the pool of applicants. These videos are useful for Gilman applicants and study abroad applicants in general.
Another great way to find scholarships is through your major. For example, if you're an engineering major check and see if UF's college of engineering offers scholarships for students who study abroad. If not then check and see if you qualify for any general engineering scholarships.
The money is out there, it's just a matter of getting it now. Luckily most scholarship applications are very similar so with a good amount of work up front you will likely be able to tweet most of your essays and personal statements to fit all your different scholarship applications.