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Graduation day is approaching for the class of 2022, many of whom will face significant student debt. However, David Toboknikov, a scholarship advisor, emphasizes that it's never too late to apply for scholarships. He recommends students start applying from junior year in high school and continue throughout their educational journey, as scholarships are available year-round. For school-based scholarships, students must complete the FAFSA, with a deadline approaching on February 1st. Toboknikov notes various scholarship types, including corporate and non-profit scholarships, and encourages students to explore these options to help mitigate debt.