What's more efficient? Scholarships or Student Loans?

Answered

i think it depends. let's see:

if you have to write essays, prepare athletic resumes, etc, if these are a lot of work for you, and the scholarship amount is not worth your time and effort, then you might not want to devote much time in it.

On the other hand, if you think you are better off going through the athletic scholarship application process (may be different for different colleges so you'll have to look it up) instead of filing fafsa(if you think it's too much of a trouble to get forms and details from your parents/guardians), you might have a different opinion.

I think it all comes to whether it's worth your time and effort, and different colleges might have different processes(also some may be more generous in scholarship). My advice would be apply to both? because why not? spending a few hours in exchange for a higher chance of saving thousands... that's too attractive to me :) but yeah im not an athlete so i can't say from experience. (I applied to only merit scholarships and financial aid). Good luck!