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How to Write an Amazing Personal Statement (Includes Examples!)

Lisa Freedland is a Scholarships360 writer with personal experience in psychological research and content writing. She has written content for an online fact-checking organization and has conducted research at the University of Southern California as well as the University of California, Irvine. Lisa graduated from the University of Southern California in Fall 2021 with a degree in Psychology.

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Zach Skillings is the Scholarships360 Newsletter Editor. He specializes in college admissions and strives to answer important questions about higher education. When he’s not contributing to Scholarships360, Zach writes about travel, music, film, and culture. His work has been published in Our State Magazine, Ladygunn Magazine, The Nocturnal Times, and The Lexington Dispatch. Zach graduated from Elon University with a degree in Cinema and Television Arts.

Bill Jack has over a decade of experience in college admissions and financial aid. Since 2008, he has worked at Colby College, Wesleyan University, University of Maine at Farmington, and Bates College.

Maria Geiger is Director of Content at Scholarships360. She is a former online educational technology instructor and adjunct writing instructor. In addition to education reform, Maria’s interests include viewpoint diversity, blended/flipped learning, digital communication, and integrating media/web tools into the curriculum to better facilitate student engagement. Maria earned both a B.A. and an M.A. in English Literature from Monmouth University, an M. Ed. in Education from Monmouth University, and a Virtual Online Teaching Certificate (VOLT) from the University of Pennsylvania.

The personal statement. It’s one of the most important parts of the entire college application process. This essay is the perfect opportunity to show admissions officers who you are and what makes you stand out from the crowd. But writing a good personal statement isn’t exactly easy. That’s why we’ve put together the ultimate guide on how to nail your personal statement, complete with example essays . Each essay was reviewed and commented upon by admissions expert Bill Jack. Let’s dive in!

Related: How to write an essay about yourself  

What is a personal statement? 

A personal statement is a special type of essay that’s required when you’re applying to colleges and scholarship programs. In this essay, you’re expected to share something about who you are and what you bring to the table. Think of it as a chance to reveal a side of yourself not found in the rest of your application. Personal statements are typically around 400 – 600 words in length. 

What can I write about? 

Pretty much anything, as long as it’s about you . While this is liberating in the sense that your writing options are nearly unlimited, it’s also overwhelming for the same reason. The good news is that you’ll probably be responding to a specific prompt. Chances are you’re applying to a school that uses the Common App , which means you’ll have seven prompts to choose from . Reviewing these prompts can help generate some ideas, but so can asking yourself meaningful questions. 

Below you’ll find a list of questions to ask yourself during the brainstorming process. For each of the following questions, spend a few minutes jotting down whatever comes to mind. 

• What experiences have shaped who you are? 
• What’s special or unique about you or your life story? 
• Who or what has inspired you the most? 
• What accomplishments are you most proud of? 
• What are your goals for the future? How have you arrived at those goals? 
• If your life was a movie, what would be the most interesting scene? 
• What have been some of the biggest challenges in your life? How did you respond and what did you learn? 

The purpose of these questions is to prompt you to think about your life at a deeper level. Hopefully by reflecting on them, you’ll find an essay topic that is impactful and meaningful. In the next section, we’ll offer some advice on actually writing your essay. 

Also see:  How to write a 500 word essay

How do I write my personal statement? 

Once you’ve found a topic, it’s time to start writing! Every personal statement is different, so there’s not really one formula that works for every student. That being said, the following tips should get you started in the right direction:  

1. Freewrite, then rewrite 

The blank page tends to get more intimidating the longer you stare at it, so it’s best to go ahead and jump right in! Don’t worry about making the first draft absolutely perfect. Instead, just get your ideas on the page and don’t spend too much time thinking about the finer details. Think of this initial writing session as a “brain dump”. Take 15-30 minutes to quickly empty all your thoughts onto the page without worrying about things like grammar, spelling, or sentence structure. You can even use bullet points if that helps. Once you have your ideas on the page, then you can go back and shape them exactly how you want. 

2. Establish your theme 

Now that you’ve got some basic ideas down on the page, it’s time to lock in on a theme. Your theme is a specific angle that reflects the central message of your essay. It can be summarized in a sentence or even a word. For example, let’s say you’re writing about how you had to establish a whole new group of friends when you moved to a new city. The theme for this type of essay would probably be something like “adaptation”. Having a theme will help you stay focused throughout your essay. Since you only have a limited number of words, you can’t afford to go off on tangents that don’t relate to your theme. 

3. Tell a story

A lot of great essays rely on a specific scene or story. Find the personal anecdote relevant to your theme and transfer it to the page. The best way to do this is by using descriptive language. Consult the five senses as you’re setting the scene. What did you see, hear, taste, touch, or smell? How were you feeling emotionally? Using descriptive language can really help your essay come to life. According to UPchieve , a nonprofit that supports low income students, focusing on a particular moment as a “ revised version of a memoir ” is one way to keep readers engaged. 

Related: College essay primer: show, don’t tell  

4. Focus on your opening paragraph

Your opening paragraph should grab your reader’s attention and set the tone for the rest of your essay. In most cases, this is the best place to include your anecdote (if you have one). By leading with your personal story, you can hook your audience from the get-go. After telling your story, you can explain why it’s important to who you are. 

Related:  How to start a scholarship essay (with examples)

5. Use an authentic voice 

Your personal statement reflects who you are, so you should use a tone that represents you. That means you shouldn’t try to sound like someone else, and you shouldn’t use fancy words just to show off. This isn’t an academic paper, so you don’t have to adopt a super formal tone. Instead, write in a way that allows room for your personality to breathe. 

6. Edit, edit, edit…

Once you’re done writing, give yourself some time away from the essay. Try to allow a few days to pass before looking at the essay again with fresh eyes. This way, you’re more likely to pick up on spelling and grammatical errors. You may even get some new ideas and rethink the way you wrote some things. Once you’re satisfied, let someone else edit your essay. We recommend asking a teacher, parent, or sibling for their thoughts before submitting. 

Examples of personal statements 

Sometimes viewing someone else’s work is the best way to generate inspiration and get the creative juices flowing. The following essays are written in response to four different Common App prompts: 

Prompt 1: “Some students have a background, identity, interest, or talent that is so meaningful they believe their application would be incomplete without it. If this sounds like you, then please share your story.”

When I was eight years old, I wanted a GameCube very badly. For weeks I hounded my dad to buy me one and finally he agreed. But there was a catch. He’d only get me a GameCube if I promised to start reading. Every day I played video games, I would have to pick up a book and read for at least one hour. At that point in my life, reading was just something I had to suffer through for school assignments. To read for pleasure seemed ludicrous. Needless to say, I wasn’t exactly thrilled about this proposed agreement. But I figured anything was worth it to get my hands on that shiny new video game console, so I bit the bullet and shook my dad’s hand. Little did I know that I had just made a life-changing deal. 

At first, the required hour of reading was a chore — something I had to do so I could play Mario Kart. But it quickly turned into something more than that. To my complete and utter surprise, I discovered that I actually enjoyed reading. One hour turned into two, two turned into three, and after a while I was spending more time reading than I was playing video games. I found myself captivated by the written word, and I read everything I could get my hands on. Lord of the Rings , Percy Jackson , Goosebumps — you name it. I was falling in love with literature, while my GameCube was accumulating dust in the TV stand. 

Soon enough, reading led to writing. I was beginning to come up with my own stories, so I put pen to paper and let my imagination run wild. It started out small. My first effort was a rudimentary picture book about a friendly raccoon who went to the moon. But things progressed. My stories became more intricate, my characters more complex. I wrote a series of science fiction novellas. I tried my hand at poetry. I was amazed at the worlds I could create with the tip of my pen. I had dreams of becoming an author. 

Then somewhere along the way my family got a subscription to Netflix, and that completely changed the way I thought about storytelling. My nose had been buried in books up until then, so I hadn’t really seen a lot of movies. That quickly changed. It seemed like every other day a pair of new DVDs would arrive in the mail (this was the early days of Netflix). Dark Knight, The Truman Show, Inception, Memento — all these great films were coming in and out of the house. And I couldn’t get enough of them. Movies brought stories to life in a way that books could not. I was head over heels for visual storytelling. 

Suddenly I wasn’t writing novels and short stories anymore. I was writing scripts for movies. Now I wanted to transfer my ideas to the big screen, rather than the pages of a book. But I was still doing the same thing I had always done. I was writing, just in a different format. To help with this process, I read the screenplays of my favorite films and paid attention to the way they were crafted. I kept watching more and more movies. And I hadn’t forgotten about my first love, either. I still cherished books and looked to them for inspiration. By the end of my junior year of high school, I had completed two scripts for short films. 

So why am I telling you all this? Because I want to turn my love of storytelling into a career. I’m not totally sure how to do that yet, but I know I have options. Whether it’s film production, creative writing, or even journalism, I want to find a major that suits my ambitions. Writing has taken me a long way, and I know it can take me even further. As I step into this next chapter of my life, I couldn’t be more excited to see how my craft develops. In the meantime, I should probably get rid of that dusty old GameCube. 

Feedback from admissions professional Bill Jack

Essays don’t always have to reveal details about the student’s intended career path, but one thing I like about this essay is that it gives the reader a sense of the why. Why do they want to pursue storytelling. It also shows the reader that they are open to how they pursue their interest. Being open to exploration is such a vital part of college, so it’s also showing the reader that they likely will be open to new things in college. And, it’s always fun to learn a little bit more about the student’s family, especially if the reader can learn about how the students interacts with their family. 

Prompt 2: “The lessons we take from obstacles we encounter can be fundamental to later success. Recount a time when you faced a challenge, setback, or failure. How did it affect you, and what did you learn from the experience?”

I remember my first impression of Irvine: weird. It was foggy, stock-full of greenery and eucalyptus trees, and reminded me of my 5th grade trip to a “science camp” which was located in the San Bernardino mountains. Besides Irvine, that was one of the few places in Southern California where you’d find so many non-palm trees. 

Of course, perhaps my initial impression of Irvine was biased, motivated by a desire to stay in my hometown and a fear of the unknown. While that was true to an extent, Irvine was certainly still a little peculiar. The city itself was based on a “master plan” of sorts, with the location of each of its schools, parks, shops, and arguably its trees having been logically “picked” before the foundation was poured. Even the homes all looked roughly the same, with their beige, stucco walls almost serving as a hallmark of the city itself.

Thus, this perfectly structured, perfectly safe city seemed like a paradise of sorts to many outsiders, my parents included. I was a little more hesitant to welcome this. As I saw it, this was a phony city – believing that its uniformity stood for a lack of personality. My hometown, although not as flawlessly safe nor clean as Irvine, was where most of my dearest memories had occurred. From the many sleepovers at Cindie’s house, to trying to avoid my school’s own version of the “infamous” cheese touch, to the many laughs shared with friends and family, I shed a tear at the prospect of leaving my home.

Moving into the foreign city, remnants of the hostility I held towards Irvine remained. Still dwelling in my memories of the past, I was initially unable to see Irvine as a “home.” So, as I walked into my first-ever Irvine class, being greeted by many kind, yet unfamiliar faces around me, I was unable to recognize that some of those new faces would later become some of my dearest friends. Such negative feelings about the city were further reinforced by newer, harder classes, and more complicated homework. Sitting in the discomfort of this unfamiliar environment, it started to seem that “change” was something not only inevitable, but insurmountable.

As the years went on, however, this idea seemed to fade. I got used to my classes and bike racing through Irvine neighborhoods with my friends, watching the trees that once seemed just a “weird” green blob soon transform into one of my favorite parts of the city. While I kept my old, beloved memories stored, I made space for new ones. From carefully making our way over the narrow creek path next to our school, to the laughs we shared during chemistry class, my new memories made with friends seemed to transform a city I once disliked into one I would miss. 

Through this transformation, I have come to recognize that change, although sometimes intimidating at first, can open the door to great times and meaningful connections. Although Irvine may have once seemed like a strange, “phony” place that I couldn’t wait to be rid of, the memories and laughs I had grown to share there were very real. As I move onto this next part of my life, I hope I can use this knowledge that I have gained from my time in Irvine to make the most of what’s to come. Even if the change may be frightening at first, I have learned to embrace what’s on the other side, whether green or not.

One huge plus to writing an essay that focuses on a place is that you might have it read by someone who has been there. Yet, what’s really helpful about this essay is that even if someone hasn’t been there, a picture is painted about what the place is like.  Admission officers have the hard task of really understanding what the student sees, so the use of adjectives and imagery can really help.  It’s also really clever to see that the green that’s mentioned at the beginning is mentioned at the end.  It’s a nice way to bookend the essay and tie it all together.

Prompt 6: “Describe a topic, idea, or concept you find so engaging that it makes you lose all track of time. Why does it captivate you? What or who do you turn to when you want to learn more?”

I like getting lost. Not literally, of course, but figuratively. Whether it be in the story of a love song by Taylor Swift, or in the memories brought back by listening to my favorite childhood video game’s background music, I’ve always appreciated music’s ability to transport me to another place, another time, another feeling. 

Alas, I cannot sing, nor have I practiced an instrument since my middle school piano class days. So, perhaps Kurt Vonnegut was right. As he puts it, “Virtually every writer I know would rather be a musician.” While I cannot speak for others, I have certainly not debunked his theory. Writing allows many, including myself, to attempt to mimic the transformative power of music – even if our singing voices aren’t exactly “pleasant.” Just as you can get lost in music, you can do so in a story. Whether it is in George Orwell’s totalitarian Oceania, or Little Women’s Orchard House, the stories outlined in novels can provide an amazing look into the lives and worlds of others, and an escape from the worries and problems of those in your own.

While I am certainly not claiming to have the storytelling abilities of the Orwells or Alcotts before me, I’ve had fun trying to recreate such transformative feelings for others. When I was nine, I attempted to write a story about a little girl who had gotten lost in the woods, only managing to get a couple pages through. As I got older, whenever I was assigned a creative writing assignment in school, I wrote about the same pig, Phil. He was always angry: in my 8th grade science class, Phil was mad at some humans who had harbored his friend captive, and in my 9th grade English class, at a couple who robbed him. 

Thus, when I heard about a writing club being opened at my school in 11th grade, I knew I had to join. I wanted to discern whether writing was just a hobby I picked up now and then, or a true passion. If it was a passion, I wanted to learn as much as possible about how I could improve. Although my high school’s writing club certainly wasn’t going to transform me into Shakespeare, I knew I could learn a lot from it – and I did. The club challenged me to do many things, from writing on the spot, to writing poetry, to even writing about myself, something that’s hopefully coming in handy right now. 

From then on, I started to expand into different types of writing, storing short ideas, skits, and more in appropriately-labeled Google Drive folders. At around the same time, I became interested in classic literature, which largely stemmed from a project in English class. We had been required to choose and read a classic on our own, then present it to the class in an interesting way. While my book was certainly interesting and unique in its own right, nearly everyone else’s novels seemed more captivating to me. So, I took it upon myself to read as many classics as I could the following summer.

One of the books I read during the summer, funnily enough, was Animal Farm, which starred angry pigs, reminiscent of Phil. I had also started going over different ideas in my head, thinking about how I could translate them into words using the new skills I learned. While the writing club helped reaffirm my interest in writing and allowed me to develop new skills, my newfound affinity for classics gave me inspiration to write. Now, I am actually considering writing as part of my future. In this endeavor, I hope that Phil, and the music I inevitably listen to as I write, will accompany me every step of the way.

Admission officers might read 70 (or more!) essays in one day. It’s not uncommon for them to start to blend together and sound similar. This essay might not make you laugh out loud. But, it might make the reader chuckle while reading it thanks to the subtle humor and levity. Being able to incorporate a little humor into your essay (if it is natural for you to do… do not force it), can really be a great way to shed additional light into who you are. Remember, the essay isn’t merely about proving that you can write, but it should also reveal a little bit about your personality.

Prompt 5: “Discuss an accomplishment, event, or realization that sparked a period of personal growth and a new understanding of yourself or others.”

I learned a lot of things during the summer I worked at Tropical Smoothie. I discovered the value of hard work. I figured out how to save money. I even mastered the art of the Mango Magic smoothie (the secret is lots of sugar). But most importantly, I learned the power of perspective. And I have Deja to thank for that. 

Deja was my shift supervisor, and one of Tropical Smoothie’s best employees. She was punctual, friendly, and always willing to lend a helping hand. She knew the store from top to bottom, and could handle pretty much any situation thrown her way. She made everyone around her better. On top of all that, she was four months pregnant! I was always impressed by Deja’s work ethic, but I gained an entirely new level of respect for her one day.

It was a Friday night, and Deja and I were working the closing shift together. It was very busy, and Deja and I were the only ones on shift. We managed to get by, but we were exhausted by the end of the evening. After wiping down the counters and mopping the floors, we closed up shop and went our separate ways. I was eager to get home. 

I walked a couple blocks to where I had parked my car. Well, it wasn’t my car actually. It was my dad’s ‘98 Chevy pickup truck, and it was in rough shape. It had no heat or A/C, the leather seats were cracked beyond repair, and the driver’s side door was jammed shut. I sighed as I got in through the passenger side and scooted over to the driver’s seat. The whole reason I was working at Tropical Smoothie was to save up enough money to buy my own car. I was hoping to have something more respectable to drive during my senior year of high school. 

I cranked the old thing up and started on my way home. But soon enough, I spotted Deja walking on the side of the road. There was no sidewalk here, the light was low, and she was dangerously close to the passing cars. I pulled over and offered her a ride. She got in and explained that she was on her way home. Apparently she didn’t have a car and had been walking to work every day. I couldn’t believe it. Here I was complaining about my set of wheels, while Deja didn’t have any to begin with.

We got to talking, and she confessed that she had been having a tough time. You would never know from the way she was so cheerful at work, but Deja had a lot on her plate. She was taking care of her mother, her boyfriend had just lost his job, and she was worried about making ends meet. And of course, she was expecting a baby in five months. On top of all that, she had been walking nearly a mile to and from work every day. The whole thing was a real eye opener, and made me reconsider some things in my own life. 

For one, I didn’t mind driving my dad’s truck anymore. It was banged up, sure, but it was a lot better than nothing. My mindset had changed. I appreciated the truck now. I began to think about other things differently, too. I started making mental notes of all the things in my life I was thankful for — my family, my friends, my health. I became grateful for what I had, instead of obsessing over the things I didn’t. 

I also gained more awareness of the world outside my own little bubble. My encounter with Deja had shown me first-hand that everyone is dealing with their own problems, some worse than others. So I started paying more attention to my friends, family members, and coworkers. I started listening more and asking how I could help. I also gave Deja a ride home for the rest of the summer. 

These are all small things, of course, but I think they make a difference. I realized I’m at my best when I’m not fixated on my own life, but when I’m considerate of the lives around me. I want to keep this in mind as I continue to grow and develop as a person. I want to continue to search for ways to support the people around me. And most importantly, I want to keep things in perspective.

Too often we can be focused on our own problems that we fail to realize that everyone has their own things going on in their lives, too.  This essay showcases how it’s important to put things in perspective, a skill that certainly will prove invaluable in college… and not just in the classroom.  Another reason I like this essay is because it provides deeper insight into the student’s life.  Sure, you might have mentioned in your activities list that you have a job.  But as this essay does, you can show why you have the job in the first place, what your responsibilities are, and more.

A few last tips

We hope these essay examples gave you a bit of inspiration of what to include in your own. However, before you go, we’d like to send you off with a few (personal statement) writing tips to help you make your essays as lovely as the memories and anecdotes they’re based off of. Without further ado, here are some of our best tips for writing your personal statements:

1. Open strong

College admissions officers read many, many essays (think 50+) a day, which can sometimes cause them to start blending together and sounding alike. One way to avoid your essay from simply fading into the background is to start strong. This means opening your essay with something memorable, whether an interesting personal anecdote, a descriptive setting, or anything else that you think would catch a reader’s attention (so long as it’s not inappropriate). Not only might this help college admissions officers better remember your essay, but it will also make them curious about what the rest of your essay will entail.

2. Be authentic

Perhaps most important when it comes to writing personal statement essays is to maintain your authenticity. Ultimately, your essays should reflect your unique stories and quirks that make you who you are, and should help college admissions officers determine whether you’d truly be a good fit for their school or not. So, don’t stress trying to figure out what colleges are looking for. Be yourself, and let the colleges come to you!

3. Strong writing

This one may seem a little obvious, but strong writing will certainly appeal to colleges. Not only will it make your essay more compelling, but it may show colleges that you’re ready for college-level essay writing (that you’ll likely have to do a lot of). Just remember that good writing is not limited to grammar. Using captivating detail and descriptions are a huge part of making your essay seem more like a story than a lecture.

4. Proofread

Last but not least, remember to proofread! Make sure your essay contains no errors in grammar, punctuation, and spelling. When you’re done proofreading your essay yourself, we would also recommend that you ask a teacher, parent, or other grammatically savvy person to proofread your essay as well.

Final thoughts 

With those in hand, we hope you now have a better sense of how to write your personal statement. While your grades and test scores are important when it comes to college admissions, it’s really your essays that can “make” or “break” your application. 

Although this may make it seem like a daunting task, writing an amazing personal statement essay is all about effort. Thus, so long as you start early, follow the advice listed above, and dedicate your time and effort to it, it’s entirely possible to write an essay that perfectly encapsulates you. Good luck, and happy writing!

Also see:  Scholarships360’s free scholarships search tool

Key Takeaways

• It may take some people longer than others to know what they want to write about, but remember that everyone, including you, has something unique to write about!
• Personal statements should be personal, which means you should avoid being too general and really strive to show off what makes you “you”
• Time and effort are two of the most important things you can put into your personal statement to ensure that it is the best representation of yourself
• Don’t forget to ask people who know you to read your work before you submit; they should be able to tell you better than anyone if you are truly shining through!

Frequently asked questions about writing personal statements 

How do you write a powerful personal statement, what makes an amazing personal statement, how do you start an amazing personal statement, scholarships360 recommended.

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How to Write a Personal Statement (with Tips and Examples)

Hannah Yang

Table of Contents

What is a personal statement, 6 tips on how to write a personal statement, personal statement examples (for college and university), faqs about writing personal statements, conclusion on how to write a personal statement.

How do you tell someone who you are in just a few hundred words?

It’s certainly no easy task, but it’s one almost every college applicant must do. The personal statement is a crucial part of any college or university application.

So, how do you write a compelling personal statement?

In this article, we’ll give you all the tools, tips, and examples you need to write an effective personal statement.

A personal statement is a short essay that reveals something important about who you are. It can talk about your background, your interests, your values, your goals in life, or all of the above.

Personal statements are required by many college admission offices and scholarship selection committees. They’re a key part of your application, alongside your academic transcript, standardized test scores, and extracurricular activities.

The reason application committees ask you to write a personal statement is so they can get to know who you are. 

Some personal statements have specific prompts, such as “Discuss a period of personal growth in your life” or “Tell us about a challenge or failure you’ve faced.” Others are more open-ended with prompts that essentially boil down to “Tell us about yourself.”

No matter what the prompt is, your goal is the same: to make yourself stand out to the selection committee as a strong candidate for their program.

Here are some things a personal statement can be:

It can be funny. If you have a great sense of humor, your personal statement is a great place to let that shine.  

It can be vulnerable. Don’t be afraid to open up about hardships in your life or failures you’ve experienced. Showing vulnerability can make you sound more like a real person rather than just a collection of application materials.  

It can be creative. Candidates have got into top schools with personal statements that take the form of “a day in the life” descriptions, third-person short stories, and even cooking recipes.

Now we’ve talked about what a personal statement is, let’s quickly look at what a personal statement isn’t:

It isn’t a formal academic paper. You should write the personal statement in your natural voice, using first-person pronouns like “I” and “me,” not in the formal, objective language you would use to write an academic paper.

It isn’t a five-paragraph essay. You should use as many paragraphs as you need to tell your story instead of sticking to the essay structure you learned in school.

It isn’t a resumé. You should try to describe yourself by telling a clear and cohesive story rather than providing a jumbled list of all of your accomplishments and ambitions.

Here are our top six tips for writing a strong personal statement.

Tip 1: Do Some Serious Self-Reflection

The hardest part of writing a personal statement isn’t the actual process of writing it.

Before you start typing, you have to figure out what to write about. And that means taking some time to reflect on who you are and what’s important in your life.

Here are some useful questions you can use to start your self-reflection. You can either answer these on your own by writing down your answers, or you can ask a trusted friend to listen as you talk about them together.

What were the key moments that shaped your life? (e.g. an important friendship, a travel experience, an illness or injury)

What are you proud of? (e.g. you’re a good listener, you always keep your promises, you’re a talented musician)

How do you choose to spend your time? (e.g. reading, practicing soccer, spending time with your friends)

What inspires you? (e.g. your grandmother, a celebrity, your favorite song)

Doing this self-reflection is crucial for figuring out the perfect topics and anecdotes you can use to describe who you are.

Tip 2: Try to Avoid Cliché Topics

College application committees read thousands of personal statements a year. That means there are some personal statement topics they see over and over again.

Here are a few examples of common personal statement topics that have become cliché:

Winning a tournament or sports game

Volunteering in a foreign country

Moving to a new home

Becoming an older sibling

Being an immigrant or having immigrant parents

If you want to make a strong impression in the application process, you need to make your personal statement stand out from the crowd.

But if your chosen personal statement topic falls into one of these categories, that doesn’t necessarily mean you shouldn’t use it. Just make sure to put a unique spin on it so it still delivers something the committee hasn’t seen before.

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Tip 3: Show, Don’t Tell

One common mistake you might make in your personal statement is to simply tell the reader what you want them to know about you, such as by stating “I have a fear of public speaking” or “I love to cook.”

Instead of simply stating these facts, you should show the committee what you’re talking about through a story or scene, which will make your essay much more immersive and memorable.

For example, let’s say you want the committee to know you overcame your fear of public speaking. Instead of writing “I overcame my fear of public speaking,” show them what it was like to be onstage in front of a microphone. Did your palms get clammy? Did you feel light-headed? Did you forget your words?

Or let’s say you want the committee to know you love to cook. Instead of writing “I love to cook,” show them why you love to cook. What’s your favorite dish to cook? What does the air smell like when you’re cooking it? What kitchen appliances do you use to make it?

Tip 4: Connect the Story to Why You’re Applying

Don’t forget that the purpose of your personal statement isn’t simply to tell the admissions committee who you are. That’s an important part of it, of course, but your ultimate goal is to convince them to choose you as a candidate.

That means it’s important to tie your personal story to your reasons for applying to this specific school or scholarship. Finish your essay with a strong thesis.

For example, if your story is about overcoming your fear of public speaking, you might connect that story to your ambition of becoming a politician. You can then tie that to your application by saying, “I want to apply to this school because of its fantastic politics program, which will give me a perfect opportunity to use my voice.”

Tip 5: Write in Your Own Voice

The personal statement isn’t supposed to be written in a formal tone. That’s why they’re called “personal” statements because you have to shape it to fit your own voice and style.

Don’t use complicated or overwrought language. You don’t need to fill your essay with semicolons and big words, unless that’s how you sound in real life.

One way to write in your own voice is by speaking your personal statement out loud. If it doesn’t feel natural, it may need changing. 

Tip 6: Edit, Edit, Edit!

It’s important to revise your personal statement multiple times in order to make sure it’s as close to perfect as possible.

A single typo won’t kill your application, but if your personal statement contains multiple spelling errors or egregious grammar mistakes, you won’t be putting your best foot forward.

ProWritingAid can help you make sure your personal statement is as clean as possible. In addition to catching your grammar errors, typos, and punctuation mistakes, it will also help you improve weaknesses in your writing, such as passive voice, unnecessary repetition, and more.

Let’s look at some of the best personal statements that have worked for successful candidates in the real world. 

Harvard Personal Statement Example

Love. For a word describing such a powerful emotion, it is always in the air. The word “love” has become so pervasive in everyday conversation that it hardly retains its roots in blazing passion and deep adoration. In fact, the word is thrown about so much that it becomes difficult to believe society isn’t just one huge, smitten party, with everyone holding hands and singing “Kumbaya.” In films, it’s the teenage boy’s grudging response to a doting mother. At school, it’s a habitual farewell between friends. But in my Chinese home, it’s never uttered. Watching my grandmother lie unconscious on the hospital bed, waiting for her body to shut down, was excruciatingly painful. Her final quavering breaths formed a discordant rhythm with the steady beep of hospital equipment and the unsympathetic tapping hands of the clock. That evening, I whispered—into unhearing ears—the first, and only, “I love you” I ever said to her, my rankling guilt haunting me relentlessly for weeks after her passing. My warm confession seemed anticlimactic, met with only the coldness of my surroundings—the blank room, impassive doctors, and empty silence. I struggled to understand why the “love” that so easily rolled off my tongue when bantering with friends dissipated from my vocabulary when I spoke to my family. Do Chinese people simply love less than Americans do?

This is an excerpt from a personal statement that got the applicant admitted to Harvard University. The applicant discusses her background as a Chinese-American by musing on the word “love” and what that means within her family.

The writer uses vulnerable details about her relationship with her grandmother to give the reader an understanding of where she comes from and how her family has shaped her.  

You can read the full personal statement on the Harvard Crimson website.

Tufts Personal Statement Example

My first dream job was to be a pickle truck driver. I saw it in my favorite book, Richard Scarry’s “Cars and Trucks and Things That Go,” and for some reason, I was absolutely obsessed with the idea of driving a giant pickle. Much to the discontent of my younger sister, I insisted that my parents read us that book as many nights as possible so we could find goldbug, a small little golden bug, on every page. I would imagine the wonderful life I would have: being a pig driving a giant pickle truck across the country, chasing and finding goldbug. I then moved on to wanting to be a Lego Master. Then an architect. Then a surgeon. Then I discovered a real goldbug: gold nanoparticles that can reprogram macrophages to assist in killing tumors, produce clear images of them without sacrificing the subject, and heat them to obliteration. Suddenly the destination of my pickle was clear. I quickly became enveloped by the world of nanomedicine; I scoured articles about liposomes, polymeric micelles, dendrimers, targeting ligands, and self-assembling nanoparticles, all conquering cancer in some exotic way. Completely absorbed, I set out to find a mentor to dive even deeper into these topics. After several rejections, I was immensely grateful to receive an invitation to work alongside Dr. Sangeeta Ray at Johns Hopkins.

This is the beginning of a personal statement by Renner Kwittken, who was admitted into Tufts University as a pre-medical student.

Renner uses a humorous anecdote about being a pickle truck driver to describe his love for nanomedicine and how he got involved in his field. You can feel his passion for medicine throughout his personal statement.

You can find Renner’s full essay on the Tufts Admissions page.

Law School Personal Statement Essay Example

For most people, the slap on the face that turns their life around is figurative. Mine was literal. Actually, it was a punch delivered by a drill sergeant at Fort Dix, New Jersey, while I was in basic training. That day’s activity, just a few weeks into the program, included instruction in “low-crawling,” a sensible method of moving from one place to another on a battlefield. I felt rather clever for having discovered that, by looking right rather than down, I eliminated my helmet’s unfortunate tendency to dig into the ground and slow my progress. I could thus advance more easily, but I also exposed my unprotected face to hostile fire. Drill sergeants are typically very good at detecting this type of laziness, and mine was an excellent drill sergeant. So, after his repeated suggestions that I correct my performance went unheeded, he drove home his point with a fist to my face. We were both stunned. This was, after all, the New Army, and striking a trainee was a career-ending move for a drill sergeant, as we were both aware. I could have reported him; arguably, I should have. I didn’t. It didn’t seem right for this good sergeant, who had not slept for almost four days, to lose his career for losing his temper with my laziness. Choosing not to report him was the first decision I remember making that made me proud.

These are the first three paragraphs of an anonymous personal statement by a Wheaton College graduate, who used this personal statement to get into a top-25 law school.

This statement describes a time the applicant faced a challenging decision while in the army. He ended up making a decision he was proud of, and as a result, the personal statement gives us a sense of his character.

You can find the full essay on the Wheaton Academics website.

Here are some common questions about how to write a personal statement.

How Long Should a Personal Statement Be?

The length of your personal statement depends on the specific program you’re applying to. The application guidelines usually specify a maximum word count or an ideal word count.  

Most personal statements are between 500–800 words. That’s a good general range to aim for if you don’t have more specific guidelines.  

Should Personal Statements Be Different for Scholarships?

Many scholarship applications will ask for personal statements with similar prompts to those of college applications.

However, the purpose of a personal statement you’d write for a scholarship application is different from the purpose of one you’d write for a college application.

For a scholarship application, your goal is to showcase why you deserve the scholarship. To do that, you need to understand the mission of the organization offering that scholarship.

For example, some scholarships are meant to help first-generation college students get their degree, while others are meant to help women break into STEM.

Consider the following questions:

Why is this organization offering scholarships?

What would their ideal scholarship candidate look like?

How do your experiences and goals overlap with those of their ideal scholarship candidate?

You can use the same personal anecdotes you’d use for any other personal statement, but you’ll have a better chance of winning the scholarship if you tailor your essay to match their specific mission.

How to Start a Personal Statement

You should start your personal statement with a “hook” that pulls the reader in. The sooner you catch the reader’s attention, the more likely they’ll want to read the entire essay.

Here are some examples of hooks you can use:

A story (e.g. When the spotlight hit my face, I tried to remind myself to breathe. )

A setting description (e.g. My bedroom floor is covered with dirty laundry, candy wrappers, and crumpled sheet music. )

A funny anecdote (e.g. When I was a little kid, my friends nicknamed me Mowgli because of my haircut. )

A surprising fact (e.g. I've lived in 37 countries .)

There you have it—our complete guide to writing a personal statement that will make you stand out to the application committee.

Here’s a quick recap: 

A personal statement is a short essay that shows an application committee who you are

Start with a strong hook that pulls the reader in

Tell a story to engage the reader 

Write in your own voice, not in a formal tone

Good luck, and happy writing!

Hannah is a speculative fiction writer who loves all things strange and surreal. She holds a BA from Yale University and lives in Colorado. When she’s not busy writing, you can find her painting watercolors, playing her ukulele, or hiking in the Rockies. Follow her work on hannahyang.com or on Twitter at @hannahxyang.

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How To Write a Personal Statement That Stands Out

Table of contents

Laura Jane Bradbury

A personal statement is a chance to highlight your unique qualities, skills, and experiences, all while showcasing your personality.

But whether you're applying for university, a job, or funding, it can be daunting to write about yourself. To increase your chances of getting accepted, it's important to know how to create an effective personal statement.

In my six years as a copywriter, I’ve written many personal statements that get results. In this article, I’ll guide you through what to include, what to avoid, and how to tailor a personal statement based on your application type.

Key Takeaways

• A personal statement is an opportunity to share your unique qualities, experiences, and skills.
• It should always relate to the course, job, or funding you are applying for.
• Include accomplishments and experiences that demonstrate how suited you are to the position or course you are applying for.
• Use clear and simple language to ensure your points are understood.

Your personal statement should be concise and demonstrate how you fit the position or opportunity you’re applying for. It’s important to keep information relevant, rather than listing all of your skills and accomplishments.

Follow these steps to accurately write and tailor your statement.

Understand your prompt

Before you start, make sure you understand what's expected of you. Are there specific instructions, keywords, or phrases that stand out in your prompt? Read through it thoroughly and note the requirements. You can then brainstorm ideas for each point.

Let's say I'm applying for a university journalism course. I've been asked to write a statement that shares why I'm interested and why I would be a good fit. I can use columns to plan my content:

Putting your ideas together first makes it easier to stay on track. Otherwise, you might lose focus and include irrelevant information. 

Show, don't just tell

Once you’ve listed your experiences, skills, and accomplishments, consider how you can demonstrate them with examples. Take a look at the list you created during the previous exercise and organize your points so you have clear examples and proof.

This technique helps you demonstrate your experiences and how they tie in with your application.

When telling anecdotes, use engaging stories that demonstrate your skills. For instance, a story about how I handled a fast-paced news internship proves I work well under pressure. 

Start strong

Recruiters, application tutors, and funders read lots of personal statements. You can make yours stand out with an engaging introduction.

Examples of a strong opening include:

A meaningful statistic

This draws readers in and increases credibility: 

"Communication is the key to marketing success, according to Business Marketing News. With five years of experience communicating and delivering campaigns to global clients, I have the skills and passion to add value to your team."

A personal story

Anecdotes connect the reader with the author’s real-life experience: 

"My first exposure to microbiology was during my time as a research assistant for a microbiologist. I was fascinated by the complex and intricate processes within cells."

An alarming statement

This piques the reader’s interest by making an issue seem urgent:  

“ The fashion industry churns out clothes at an alarming rate, causing mass production of synthetic fibers and harsh chemicals which have a detrimental impact on the planet. Funding my sustainability initiative is vital to mitigating this environmental impact." 

Avoid cliches such as "From a young age, I have always loved...." and "For as long as I can remember, I have had a passion for..."

Pro tip: Use Wordtune Editor 's Shorten feature to cut unnecessary fluff and make your intro sharper. Simply type in your sentence and click Shorten to receive suggestions.

Get Wordtune for free > Get Wordtune for free >

Admission committees and employers appreciate sincerity and authenticity. While it may be tempting, avoid exaggeration. You can better emphasize your skills and personality by being honest. For instance, rather than claiming I read every type of newspaper in my journalism application, I can focus on my dedication to reading The New York Times.

Your writing style should also feel genuine. Instead of trying to impress with complex language and fancy words, keep sentences simple and direct . This makes them more effective because they’re easier to read. 

Address weaknesses

Addressing weaknesses can show your willingness to confront challenges. It also gives you a chance to share efforts you have made for improvement. When explaining a weakness, exclude excuses.

Instead of saying "I didn't achieve my expected grades due to work commitments impacting my studies," try “While I didn't achieve my expected grades, I am now working with a tutor to help me understand my weak areas so I can succeed in your program.”

Wordtune’s Spices feature can help you develop counterarguments to weaknesses. In the Editor, highlight your text, click on Spices, and then Counterargument . Here’s an example:

Using Wordtune’s suggestion, I can highlight my eagerness to learn and provide examples to support my argument.

Highlight achievements

This is your chance to shine! A personal statement should highlight your best qualities — provided they relate to your prompt.

Ask yourself:

• What are your skills and strengths? Identify both academic and non-academic abilities such as critical thinking, problem-solving, and teamwork.
• What challenges have you faced? Reflect on how you have overcome significant challenges and how these experiences have helped you grow. For example, completing a course, learning a new language, or starting a business.
• What are your unique selling points? Consider what sets you apart from other applicants. For example, you may have a unique set of technical skills or experience learning in a different country.
• How have your achievements shaped your goals and aspirations? Sharing your goals shows that you think long-term and have taken the time to make sure you’re applying for the right opportunity.

Connect with the institution or company

Tailor your statement to the specific institution or company you're applying to — this shows you understand their values and have carefully considered where you want to seek opportunities.

To do this, head to the company or institution’s website and look for the About page. Many organizations include a mission statement on this page that conveys its purpose and values.

For example, universities often include their values under “Community” or “Student Life” sections. Here, Princeton University’s “In Service of Humanity” section highlights how they value using education to benefit society. Applicants can engage with this by explaining how they interact with their communities and seek to use their education to help others.

You can also research a company or institution’s social media. Look for similarities — maybe you both prioritize collaboration or think outside the box. Draw upon this in your personal statement. 

End with a strong conclusion

A strong conclusion is clear, concise, and leaves a lasting impression. Use these three steps:

• Summarize the main points of your statement. For example, “My experience volunteering for the school newspaper, along with my communication skills and enthusiasm for writing, make me an ideal student for your university."
• Discuss your future . Share your future ambitions to remind the reader that you’ve carefully considered how the opportunity fits into your plans.
• Include a closing statement. End on a positive note and offer the reader a final explanation for why you would be a great match. For instance, “Thank you for reviewing my statement. I am confident my skills and experience align with the role and your company culture.”

Tip: Learn more about writing an effective conclusion with our handy guide . 

Different types of personal statements

Now you know how to write a personal statement, let’s look at what to focus on depending on your application type.

The length of your personal statement will vary depending on the type. Generally, it should be around 500 words to 650 words . However, a university application is often longer than a statement for a job, so it’s vital to determine what is expected of you from the beginning.

Whatever the length, it’s important to remove and edit content fluff , including any repetition or copy that does not relate to your prompt.

Personal statement checklist

Use this checklist to ensure that your statement includes: 

• An engaging introduction.
• Clear examples of your experiences, skills, and expertise. 
• A commitment to improvement, if required.
• Any applicable achievements. 
• A direct connection to the company or institution’s values.
• A strong conclusion that summarizes information without adding new content.
• Authentic, simple language.

Personal statements are an opportunity to delve deeper and share who you are beyond your grades or resume experience. Demonstrate your ability with anecdotes and examples, address any weaknesses, and remember to use genuine and simple language. This is your place to shine, so follow our tips while displaying your unique personality, and you’ll be sure to stand out from the crowd.

Want to get started and create a powerful introduction? Read our step-by-step guide .

What is the difference between a cover letter and a personal statement?

A cover letter expresses your interest in a position and introduces you to an employer. It’s typically shorter and focuses on your qualifications, skills, and experience for a particular role. A personal statement, however, is common for a job, internship, funding, or university application. It explores your background, goals, and aspirations, as well as your skills and experience.

What is the purpose of a personal statement?

A personal statement is an opportunity to stand out by detailing your background, experiences, and aspirations. It should explain why you are interested in and a good match for the company or institution you are applying to.

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The time has come to write a personal statement, but you do not know where to begin. No worries, writing about yourself is no easy task. After all, there’s only so much you can fit when writing a personal statement.

What is a Personal Statement?

A personal statement is a required essay done by a prospective candidate in an educational setting whether they are applying for a scholarship, graduate school admission, studying abroad, fellowship program, etc. However, it should not be confused with being the same as a statement of purpose. A statement of purpose strictly focuses on how your achievements, such as professional or academic, can benefit the program you are applying to . In contrast, a personal statement allows more creativity and freedom to develop within the applicant. Occasionally, personal statements may come with specific questions about what to write about.

Why Should They Choose You?

Although it is important to emphasize your achievements, whether it be academic or professional, the person reading your statement wants to get to know you better through your background information and what inspired you to pursue your goals. Overall, it’s important to ask yourself these questions when considering writing a personal statement:

●  What exact moment led you to be where you are today?

●  What separates you from the rest of the candidates?

●  What personal traits or qualities do you have that will help you succeed?

●  What do your story, goals, or skills obtained bring to the table?

Are You the Right Fit?

Although the focus of a personal statement is yourself, you must consider that you’re applying to a specific institution or program that offers specific opportunities. Not everyone will be the right fit and that’s okay, there are many opportunities for you to join. However, if you truly want to get in and be accepted, you must try to make a connection with your audience. Mention how the school or program will help you succeed and accomplish your goals. This goes back to what you bring to the table.

The unique trait about personal statements is that no two are alike. Everybody’s story is different. The requirements for each application vary in length, format, and topics. Nevertheless, having a concrete idea of how to organize your thoughts and ideas before you submit your final draft saves a lot of stress and time when the deadline comes. If you need an idea of where to start, brainstorm, or organize your thoughts, below is an example of a structure for your layout that may help you in getting out of that writing block:

Introduction:

-   Introduce a memory that leads back to where your interest or passion started or motivated you be where you are today

-   Give a sneak peek to your reader in a quick summary as to what you’re going to be talking about in your body paragraph (background information, accomplishments, & future aspirations from being admitted into the school or program)

*Note: Introductions should be a brief paragraph of everything you’re going to be writing about, leave the details for your body paragraphs.

A) 1 st Paragraph (Background Information)

What’s your undergraduate major/degree or other educational history?

What part of your demographic information is relevant? (hometown, heritage, family

history, etc.)

What’s an obstacle or challenge that changed the way you viewed your life?

Make sure be able make one connection to all three, it’ll make it easier for your

reader to follow through with your story and understand your goals

If deciding to write about an obstacle or challenge, remember to not solely focus on

the negative experience of it. Instead, try thinking about what you were able to take

from the experience and how did it change you as a person.

B) 2nd Paragraph (Academic and Professional Achievements)

Any organizations you’ve joined or rewards you’ve obtained? (The more you have

done, the better)

What skills have you’ve obtained through participating in any organizations, events,

jobs, etc.? C) 3 rd Paragraph (Future Goals and Accomplishments)

What is the next step after being admitted?

What do you hope to learn or take from being part of the program?

How will you apply it to your desired goal?

Conclusion:

Restate your goals in one or two sentences

Talk about what you envision for your future, what do you hope to gain from all of this?

What will you benefit from being on the program?

What do you contribute to the program?

How will you apply everything you learned?

*Note: Your concluding/closing paragraphs are usually short with a maximum of three or four sentences, leave out any details.

Final Thoughts

Ultimately, there are several things to remind yourself of when writing a personal statement: focus on answering the main questions, tell your story, and use examples of any challenge or obstacle that you faced throughout your life. If you decide to focus on a challenge or obstacle, think about the tone you will use. Writing about this challenge or obstacle focuses on the learning experience or the opportunity rather than solely on the negative parts. Remember, you’ve worked hard enough to get where you are today. Hopefully, you can get started on that personal statement you’ve been procrastinating on, and good luck on whatever path you decide to pursue.

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Personal statement length checker

Do you want to know how long your personal statement is? You are in the right place.

**Important note – We don’t store or share your personal statement. It is 100% safe to use**

Benefits of using our personal statement checker:

• You don’t need to login to UCAS  and don’t need to use their tricky online form
• Our nifty checker uses their method of counting lines with 94 characters maximum per line
• It also uses their method of counting characters (including spaces etc.)
• Worried about the spelling, grammar and content of your statement? We offer an affordable personal statement editing service to improve the message of your personal statement.

Paste your personal statement below to check if it meets the UCAS Apply requirements for the number of lines and character length. Click “check length”.

NOTE : W e do not store your personal statement and you will not have problems with Turnitin. 

Make your personal statement stand out by removing grammar, spelling, punctuation and sentence errors: 

• We offer a personal statement editing service to improve the grammar, spelling and punctuation of your statement.  It only costs £30 and can really improve your personal statement before you send it to the institution you are applying for. Click on the order now button!

What is the UCAS personal statement word count?

UCAS does not specify a certain number of words. However, the personal statement is limited to 4,000 characters including spaces. You cannot use Word to check your statement length because they count words and spaces differently, hence why we have developed this tool for you.

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Understanding bank statement mortgages

• Who do they benefit?

What Are Bank Statement Loans?

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.

• A bank statement loan is a type of mortgage that uses bank statements to help the borrower qualify for financing.
• These mortgages are geared toward self-employed borrowers who could benefit from using bank statements in lieu of tax returns.
• Bank statement loans sometimes come with higher mortgage rates.

Though it might not seem fair, self-employed borrowers and small business owners often have a harder time qualifying for a traditional mortgage , even if they can afford one. But that doesn't mean getting a mortgage is impossible.

Many mortgage lenders have solutions to help borrowers who run their own businesses become homeowners — namely, bank statement loans, which allow borrowers to qualify based on their banking trends, rather than tax documents and pay stubs. These provide business owners a way to qualify for a mortgage without sacrificing any of their businesses' tax breaks. 

Bank statement mortgages are an alternative loan option for those with non-traditional income. This can include freelancers, contractors, small business owners, and other similar professionals.

These loans help non-traditional borrowers qualify for mortgages thanks to their:

Income verification alternatives

When getting a mortgage, borrowers are required to provide a bunch of documents proving that they have the income to afford the loan. Mortgage lenders want to be sure that a monthly mortgage payment won't push your debt-to-income ratio too high and put you at risk of default.

Traditionally, this is done with W-2 forms and tax returns that show the taxable income the borrower has earned in the previous two years. But for borrowers who are self-employed, providing the traditional mortgage documentation can be tricky.

Bank statement loans enable these borrowers to apply using bank statements instead of tax documents. For those who have enough income to afford a monthly mortgage payment but struggle to qualify for a conventional mortgage , a bank statement loan can make homeownership possible.

"These loan programs were designed to serve the self-employed borrower community and give them a product that can be underwritten adequately to control risks but to also give well-qualified entrepreneurs a tool to achieve homeownership," says Jon Bodan, strategic financing advisor at Real Estate Bees and president of mortgage lender The Perpetual Financial Group .

Focus on cash flow

With a bank statement loan, lenders are primarily looking to establish your cash flow trends — to determine how much you reliably have in the bank each month and how much you can devote to your new monthly mortgage payment.

To qualify for a bank statement loan, you'll generally need to provide between 12 to 24 months worth of consecutive bank statements. The lender will use this to determine your income trends.

By using their bank statements to show how much income they're pocketing after taxes and business expenses, these borrowers can successfully show lenders that they have the finances to afford a mortgage.

Who benefits from bank statement loans?

If your tax returns don't reflect your true income, you lack traditional income documents like W-2s or pay stubs, you own your own business, or work as a contractor or freelancer, bank statement loans can be a good option to consider. Here's a look at how professionals can benefit from these loans:

Self-employed borrowers

As we mentioned, borrowers are traditionally expected to show W-2s and tax returns when applying for a mortgage. But self-employed borrowers don't typically receive W-2s, and their tax returns often show them earning less income than what they actually earn.

"Many self-employed borrowers write off practically everything on their tax returns so they can minimize their tax liability, but they have plenty of cash and cash flow to service a mortgage successfully," Bodan says.

Business owners with fluctuating income

Bank statement loans can also be helpful for business owners with unpredictable incomes.

In this case, lenders can use the past few years of bank statements to determine the company's net income and, thus, how much the business owner can comfortably afford to pay each month toward a mortgage.

Those with significant assets

You might also want to use a bank statement loan if you have little or inconsistent income but lots of assets. If you have a large trust fund , for example, but not much incoming earnings, a bank statement loan would allow you to qualify by how much you have in that fund and other bank accounts, rather than relying on your current earnings and tax returns. 

Bank statement loans are more complex than traditional loans and may require more documentation, but they're not necessarily harder to get. If you have enough in the bank to cover the monthly payment you're applying for, then bank statement mortgage qualification should not be a problem.

To qualify for a bank statement loan, you'll usually need at least 12 to 24 months of personal and business bank statements. This helps the lender establish your income trends and determine what you can afford. Before applying for a loan, ask your lender if they offer 12-month vs. 24-month bank statement loans. This will allow you to gather documentation early and ensure a smooth and fast underwriting process.

In some cases, bank statement loans may come with higher rates. Borrowers using these loans are often considered riskier, as their income is not as dependable as those with traditional 9-to-5 jobs.

Some banks and credit unions offer self-employed bank statement mortgages, but you'll have the best luck with more specialized mortgage lenders. You can also work with a mortgage broker. These professionals have access to dozens of bank statement loan lenders and can recommend the right one for your needs.

If you don't have traditional income documents like W-2s or pay stubs or you take a lot of business-related tax writeoffs, a bank statement loan may be the best option for you to get a mortgage. 

The upside of these loans is that they can make it easier for non-traditional income earners to get a mortgage. The downside is that they may have higher interest rates and closing costs or require a higher down payment.

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