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To be eligible, applicants must be a high school senior, and plan to enroll (or already be enrolled) full-time in an accredited U.S. 2-year, 4-year, or vocational/technical school by the fall of the award year. They must also have an S&T Bank Smart Start Banking account with at least a $50 opening balance. A complete application is required, including official GPA documentation, SAT/ACT scores if applicable, and three letters of recommendation.