why application letter is used

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How and Why to Write a Great Cover Letter

A cover letter is a one-page business letter that you submit when applying to a job, along with your resume. As a piece of persuasive writing, your cover letter will aim to convey to the employer why you’re a great candidate for the role.

What is the purpose of a cover letter?

Your cover letter complements your resume by making it easy for the employer to see how your experience and interest connect to the position. Your goal is to convince the employer to interview you.

With your cover letter, you’ll aim to:

• Highlight your qualifications:  You’ll show how your skills and experience relate to the employer’s needs for a specific position.
• Showcase your motivation: You’ll demonstrate your enthusiasm for the specific position and the organization.
• Reflect your voice and written communication skills: You’ll give the employer a sense of your personality and writing style.

When should I write a cover letter?

Not all jobs require cover letters. So, how do you decide whether to submit one?

Submit a Cover Letter when…

• The posting explicitly requests that you do so
• You’re applying to an opportunity at a mission-driven organization
• You think that doing so could provide important information to the employer that they wouldn’t get from your resume

Consider Submitting a Cover Letter when…

• It’s marked “optional” in an application, and you have the bandwidth to do so
• You have content that you can easily recycle or repurpose into a tailored cover letter

No Need to Submit a Cover Letter when…

• A posting specifically tells you not to submit one
• There’s no way to submit one in an application portal, and doing so would require a serious workaround

If you’re applying to several similar opportunities, creating a draft cover letter in advance, geared toward that type of opportunity, can be a helpful way to save time in your actual application process.

How do I write a cover letter?

Your cover letter should articulate your qualifications and motivation for the position. Read the job description closely and research the organization. As you craft your cover letter, use examples that demonstrate your relevant skills, knowledge, and interests. The cover letter should be concise, clear, and well-organized.

Before Writing

Research the employer.

Learn enough about the organization to articulate why you are a strong fit for that firm. 

• Review the firm’s website and LinkedIn page.
• Speak with current or previous employees.
• Read articles and social media for current news.

Analyze the job description

Look for skills, duties, and qualifications of the job so you can design your letter to match these as much as possible.

Reflect on your experience and motivation

Identify skills and personal qualities you have developed which will be useful in this role. Ask yourself:

• What attracts you about this role/company/industry?
• What have you have done in your work experiences, classes, internships, activities, projects, volunteer work, travel, etc., that is similar to the duties required of the job? 

Cover Letter Structure

As a business letter, the cover letter should include:

• Heading: Include your name and contact information in the same format as your resume
• Salutation: Address your letter to the specific individual who can hire you, if this is known. If the name is not included in the job description, address the letter to the Hiring Manager or title mentioned in the job description.
• Body Paragraphs:  Discuss your experiences, interests, and skills to show the employer how you can add value to their team. See the section below for more guidance.
• Signature Line: Include a closing and your name.

The cover letter should be one page, about three or four paragraphs, and single spaced. Use 10-12 point font and one inch margins. 

When applying online, upload your cover letter as a PDF file, unless another format is specified. When sending your resume and cover letter by email, you may write a short note or paste your cover letter in the body of your email (without the address header) and also attach the PDF file.

Cover Letter Content

Your cover letter should answer who, what, when, where and why you are applying for the opportunity. 

Introduction

State the position for which you are applying. If you have a referral or spoke with someone from the company, you can mention it in the introduction. Provide some basic information about yourself; this can include your class year and what you’re studying at Columbia. Briefly outline why you’re interested in the organization and what you bring in terms of relevant experience and skills. 

Body Paragraphs

These paragraphs will highlight your qualifications and strengths that are most relevant to the organization and position. Use the job posting and your research as clues to determine what the employer is seeking in a candidate. Have your resume beside you and reflect on what you want the employer to know about you. Are there experiences you want to expand upon that demonstrate your understanding of the role and ability to do the job requirements?

Structure the paragraphs based on relevance, not chronology. Lead with your most relevant skill or strongest experience.

Start each body paragraph with a clear topic sentence.  This can highlight a key skill set, a transferable experience, or a core area of knowledge you’ve built through your studies. Walk the reader through a project or experience, integrating the relevant skills you used and qualities you demonstrated. Provide details about your accomplishments and impact. Connect how these experiences have prepared you for this role and why you are motivated to do this job. There is no need to apologize if you feel you lack experience; focus on the accomplishments that you have.

Recap what you would bring to the organization and your interest in the position. Thank the employer for their consideration. Keep your tone positive and enthusiastic. 

Check out our example of how to structure your cover letter content . 

Editing Tips

Use our  Cover Letter Checklist to make sure your format and content is in line with best practices. 

• Ensure that the content reflects the requirements in the job description
• Keep the cover letter concise, at one page or less
• Correct any errors in grammar, sentence structure, and spelling
• Use the active voice
• Avoid beginning too many sentences with “I”

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• Career Blog

Writing a Winning Job Application Letter: Tips and Examples

A job application letter, also known as a cover letter, is a formal letter that accompanies your resume and introduces you to a potential employer. The purpose of a job application letter is to highlight your qualifications, experience, and skills that make you the perfect candidate for the job. It also helps employers understand your personality, work ethic, and how you plan to contribute to their organization.

Importance of Customization

One of the key factors that can make or break your job application letter is how well you customize it to the specific job you are applying for. Employers want to see that you have taken the time to research their company and understand what they are looking for in a candidate. Customizing your letter also shows that you are genuinely interested in the job and that you are willing to put in the extra effort to stand out from other applicants.

Brief Overview of Key Sections

While job application letters can vary slightly depending on the job and industry, they typically contain four key sections:

Introduction: This section should include a brief introduction, the job you are applying for, and how you found out about it.

Qualifications: In this section, you should discuss your qualifications and experience that make you a good fit for the job. Be sure to tailor this section to the specific job requirements to show that you have the skills they are looking for.

Skills: Here, you should highlight your relevant skills and how they apply to the job. Use examples from your past experiences to demonstrate your proficiency in each skill.

Closing: The closing paragraph should thank the employer for considering your application and provide contact information for them to reach you.

In this article, we will dive into each of these sections in more detail and provide tips and examples to help you write a winning job application letter.

Understand the Job Requirements

To write a winning job application letter, it is important to thoroughly understand the job requirements. This involves analyzing the job description and understanding the needs of the employer, as well as tailoring your letter to attract the specific employer.

A. Analyzing the Job Description

The job description provides you with valuable information about the position you are applying for. It outlines the required skills, qualifications, and responsibilities of the job. By analyzing the job description, you can determine if the role is a good fit for your experience and qualifications.

When analyzing the job description, it is important to pay attention to key phrases and requirements mentioned. These can give you insight into the priorities of the employer and allow you to tailor your application to meet those priorities.

B. Understanding the Needs of the Employer

To write a winning job application letter, it is also essential to understand the needs of the employer. This means researching the company and the industry to get a better understanding of the company culture, mission, and values. It also means understanding the desired outcome of the position and how you can address the employer’s needs.

One way to convey your understanding of the employer’s needs is to highlight relevant accomplishments in your application letter. By showing how you have successfully addressed similar challenges in the past, you can demonstrate your potential value to the employer.

C. Tailoring the Letter to Attract Specific Employer

Finally, to write a winning job application letter, it is important to tailor your letter to attract the specific employer. This means using language and examples that relate to the specific company and its values. It also means customizing your application letter to the specific job and its requirements.

To tailor your letter, take the time to research the company and its values. This can involve reviewing their website, social media, and other online resources. By addressing the specific needs and values of the employer, you can show that you are invested in the position and the company.

To write a winning job application letter, it is important to understand the job requirements, analyze the job description, understand the needs of the employer, and tailor the letter to attract the specific employer. By doing so, you can craft an application that stands out from the competition and showcases your value as a candidate.

Research the Company and Industry

Before writing your job application letter, it’s important to research the company and industry thoroughly to increase your chances of writing a winning letter. Here are three key areas to focus on:

A. Understanding the Mission, Vision, and Values of the Company

Make sure you take the time to research the company’s mission, vision, and values. This will help you understand the company’s goals and the qualities they look for in employees. You can find this information on the company’s website, social media pages or company annual report.

Incorporate the values and mission statement of the company into your job application letter. This highlights your alignment with the company culture, and how your beliefs and goals match that of the organization’s.

B. Identifying the Company’s Competition

Once you have an understanding of the company, you need to identify the company’s competition. Knowing who the competitors are can help you understand the industry as well as the company’s market share position.

List the company’s competitors in your job application letter and briefly explain how you see the company’s strengths overcoming the competitors’ weaknesses.

C. Industry Trends and How to Address Them

The final area to focus on when researching the company and industry is identifying current industry trends and how these trends may impact the company’s future. Use reputable sources to gather trends and predictions about the industry. This will also show the recruiter that you are not only familiar with their industry, but are engaging in informed discussion and contributing to innovative solutions.

Incorporate industry trends into your job application letter and showcase the ideas and innovations you bring, how leveraging them can enhance the company’s position and how you can contribute to any current and future challenges, for which the potential employer has yet to find a solution.

By researching and incorporating the above areas into your job application letter, you demonstrate a genuine interest in the organization and showcase clear understanding, innovative thought and how your expertise can improve the company’s performance.

Know Your Strengths and Skills

When writing a job application letter, it’s crucial to understand your unique selling proposition, relevant experience, and transferrable skills. This information will help you stand out from the other applicants and potentially land the job of your dreams.

A. Identifying Your Unique Selling Proposition

Your unique selling proposition (USP) is what sets you apart from the other candidates. It could be a specific skill, experience or personality trait that aligns with the company’s values and job requirements. Start by analyzing the job description and researching the company culture to identify what makes you an ideal candidate for the role.

Once you have identified your USP, use it as the main selling point in your job application letter. Highlight your strengths and skills and explain how they align with the job requirements and the company’s values. This will show the hiring manager that you are not just another candidate, but someone who has something valuable to offer.

B. Highlighting Your Relevant Experience and Accomplishments

Your work experience and achievements are essential in demonstrating your abilities and suitability for the job. When crafting your job application letter, focus on highlighting your relevant experience and accomplishments. Use specific examples to demonstrate how you have contributed in previous roles and how those skills could be applied to the new role you are applying for.

Be sure to use metrics whenever possible as numbers are a great way to showcase your achievements. For example, if you were able to increase sales revenue by 20% in your previous role, mention it in your letter. This will give the hiring manager a clear understanding of your capabilities and how they align with the job requirements.

C. Understanding How to Leverage Transferrable Skills

Transferrable skills are those abilities that you have gained from your previous experiences that are not necessarily related to the job you are applying for. They can be valuable in demonstrating your adaptability and ability to learn quickly.

When discussing your transferrable skills in your job application letter, highlight how they could be applied to the new role you are applying for. For example, if you have strong communication skills, explain how you could use that to effectively collaborate with team members and clients.

By understanding and leveraging your unique selling proposition, relevant experience and accomplishments, and transferrable skills, you can write a job application letter that stands out from the crowd. Remember to tailor your letter to the job requirements and company culture to increase your chances of success.

Address Gaps in Your Resume or Experience

When applying for a job, it’s important to consider any gaps in your resume or experience that might be a red flag for hiring managers. Addressing these gaps upfront can demonstrate your accountability and willingness to take ownership of your shortcomings.

A. Taking ownership of failings

If you have gaps in your work history or experience, don’t try to hide or make excuses for them. Instead, take ownership of any failings and show that you’re actively working to improve yourself. This could involve taking courses, pursuing certifications, or volunteering in relevant areas to gain hands-on experience.

B. Finding a workaround for unfilled requirements

Sometimes a job posting requires specific qualifications or experience that you don’t have. In these cases, it’s important to find a workaround that demonstrates your ability to still meet the employer’s needs. This could involve highlighting related experience or transferable skills that could compensate for the missing requirement. Alternatively, it might involve offering to take on additional training or work with a mentor to acquire the missing knowledge.

C. Highlighting transferable skills to counter an irrelevant job background

When applying for a job in a new industry or field, it’s common to have a background that might not seem directly relevant. However, this doesn’t necessarily mean you’re unqualified for the role. By highlighting transferable skills, such as leadership, problem-solving, or communication, you can demonstrate your ability to adapt to new situations and learn quickly.

Addressing gaps in your resume or experience is an important aspect of writing a winning job application letter. By taking ownership of your failings, finding workarounds for unfilled requirements, and highlighting transferable skills, you can position yourself as a strong candidate and increase your chances of landing the job you want.

Crafting an Attention-grabbing Opening Paragraph

In the competitive job market, first impressions matter. The opening paragraph of your job application letter is your opportunity to make a positive and lasting impression on potential employers. In this section, we’ll explore the importance of crafting an attention-grabbing opening paragraph and provide tips and examples on how to do so.

A. Importance of First Impressions

Studies show that it takes less than 30 seconds for a recruiter or hiring manager to form an initial impression of a job candidate. This means that your opening paragraph is a critical component of your job application letter. Your goal is to capture the employer’s interest and convince them to continue reading.

B. Creative and Engaging Opening Lines

One effective way to capture the employer’s attention is by starting your letter with a creative and engaging opening line. This can be a quote, a personal story, a relevant statistic, or a bold statement. The key is to be authentic and genuine while still standing out from other applicants.

C. Strategies for Catching the Employer’s Attention

Beyond the opening line, there are several strategies you can use to further capture the employer’s attention. These include highlighting relevant skills and experience, demonstrating enthusiasm for the position and company, and connecting your qualifications to the job requirements.

By following these tips and examples, you can craft an attention-grabbing opening paragraph that sets you apart from the competition and piques the employer’s interest.

Highlighting Your Accomplishments

When it comes to writing a winning job application letter, highlighting your accomplishments is crucial. This allows potential employers to see the proven results that you can bring to their organization. Here are a few tips on how to effectively highlight your accomplishments:

A. Demonstrating Achievements in Previous Roles

One of the most effective ways to demonstrate your achievements is by highlighting your accomplishments in your previous roles. This shows that you have a track record of success and can bring that success to your next job. When highlighting your achievements, make sure to focus on results, not just responsibilities. Instead of stating that you managed a team, highlight the specific results that you achieved as a team leader.

For example, instead of saying, “Managed a team of 10 employees,” you could say, “Led a team of 10 employees to achieve a 25% increase in sales within the first quarter.” This shows the impact you had in your previous role and gives potential employers an idea of what you can achieve in their organization.

B. Using Data to Support Accomplishments

Using data to support your accomplishments is a powerful way to illustrate the impact you had in your previous roles. This could include data such as sales figures, customer satisfaction ratings, or employee retention rates. When using data, make sure to include specific numbers and percentages.

For example, instead of saying, “Improved customer satisfaction,” you could say, “Increased customer satisfaction ratings by 15% through implementing a new customer service training program.” This demonstrates the impact you had on the organization and the value you can bring to a potential employer.

C. Highlighting Relevant Certifications and Awards

Another way to highlight your accomplishments is by showcasing any relevant certifications or awards you have received. This shows that you have taken the time to invest in your professional development and have been recognized for your achievements.

When highlighting certifications and awards, make sure to explain why they are relevant to the job you are applying for. For example, if you are applying for a marketing position, highlighting your Google Analytics certification would be relevant as it demonstrates your analytics skills.

Highlighting your accomplishments is a crucial part of writing a winning job application letter. By demonstrating your achievements in previous roles, using data to support your accomplishments, and highlighting relevant certifications and awards, you can show potential employers the value you can bring to their organization.

Showcasing Your Writing Skills

When it comes to writing a winning job application letter, showcasing your exceptional writing skills is crucial to increase your chances of getting hired. Employers often look for applicants who have a way with words, can express themselves clearly, and can craft compelling content that leaves a lasting impression. Here are several ways to showcase your writing skills:

A. Highlighting experience in writing

One of the most effective ways to showcase your writing skills is to highlight your experience as a writer. This can include previous work experience in writing-related fields such as journalism, marketing, or content creation. If you have a writing degree, mention it. You can also share published articles or blog posts that you have written to demonstrate your skills in action. Highlighting relevant experience shows that you have the skills needed to excel in the role you are applying for.

B. Incorporating keywords

Incorporating keywords relevant to the job posting can also help showcase your writing skills. Employers often use applicant tracking systems (ATS) to scan resumes and cover letters for specific keywords related to the position. By including these keywords, you can increase your chances of getting past the initial screening process and showcase your understanding of industry-specific language.

C. Proper grammar, spelling, and tone

Finally, it’s essential to ensure that your writing exhibits proper grammar, spelling, and tone. Errors in these areas can undercut the impact of your application letter and send the wrong message to your potential employer. Take the time to proofread your cover letter and resume carefully, and have someone else review them too. Double-check for proper punctuation, spelling errors, and that your tone fits the professional context.

Showcasing your writing skills is critical when applying for jobs, particularly those that require excellent communication skills. Highlighting relevant experience, incorporating keywords, and ensuring proper grammar, spelling, and tone are strategies that can help set you apart from other applicants and make a lasting impression on potential employers.

Using Power Words and Phrases

When writing a job application letter, it is essential to use powerful words and phrases that can help you stand out from the crowd. Here are some tips to help you select the right words:

A. Selecting Strong Action Words

Action words can help demonstrate your skills and experience effectively. Use verbs that showcase your achievements and contributions to your previous roles. For instance, rather than saying you “assisted” your team, use words such as “led,” “managed,” or “initiated” to emphasize your role in driving projects and initiatives forward.

B. Avoiding Common Clichés and Buzzwords

Although buzzwords and clichés may seem tempting, they could potentially undermine the impact of your letter. Instead of using cookie-cutter phrases like “I am a team player,” try to use specific examples to illustrate your ability to work collaboratively. Also, avoid jargon that may not be familiar to the reader and opt for straightforward language that can be easily understood.

C. Crafting Impactful and Persuasive Sentences

To make your letter more impactful and persuasive, use language that emphasizes your strengths and accomplishments. Start sentences with action words and focus on the results you have achieved. Also, be specific and illustrate your points with concrete examples that demonstrate your value to the prospective employer.

When writing your job application letter, make sure to choose powerful words that demonstrate your expertise and experience effectively. Avoid using clichés and buzzwords and instead focus on crafting persuasive and impactful sentences that showcase your strengths and contributions. By following these principles, you can create a compelling letter that increases your chances of landing the job you want.

Formatting and Presentation of Your Job Application Letter

When it comes to writing a winning job application letter, the presentation and formatting of the letter are just as important as the content. Here are some tips to ensure your letter looks professional and polished:

A. Ensure consistency in formatting

Make sure your letter has a consistent format throughout. This means using the same font and font size for the entire letter. Also, ensure that the margins and spacing are consistent from beginning to end.

B. Proper use of fonts, margins, and spacing

Use a standard font like Times New Roman or Arial, in a legible size (such as 11pt or 12pt). Be sure to use proper spacing between paragraphs and section headers. It’s important to have enough white space to make the letter easy to read, but not so much that it takes up unnecessary space.

C. Guidelines on length of the letter

Longer letters can seem rambling and may deter the hiring manager from reading the whole thing. Focus on the most important points and make them clear and succinct. Remember, your goal is to make a strong case for yourself as a candidate, not overwhelm the reader with information.

By following these tips, you can ensure that your job application letter looks professional, polished, and focused on what matters most – your qualifications for the job.

Sample Job Application Letter

Writing a winning job application letter is important if you’re looking to impress the hiring manager and land your dream job. In this section of the article, we’ll walk through a sample job application letter, analyze its strong points, and provide strategies to improve it.

A. Walk Through a Sample Job Application Letter

Dear Hiring Manager,

I am writing to express my interest in the position of Marketing Manager at ABC Company, as advertised on [job board]. With over [number] years of experience in the marketing industry, I believe I have the skills and knowledge to succeed in this role and make a significant contribution to your team.

During my time at XYZ Company, I was responsible for developing and executing successful marketing campaigns that exceeded client expectations and resulted in increased ROI. My experience in digital marketing, social media management, and content creation have prepared me well for this role. I am highly adaptable, and I have a proven track record of implementing innovative strategies to achieve business objectives.

In addition, I am a strong communicator and collaborator, and I work well in cross-functional teams. I am confident that my skills and experience make me a strong candidate for the role of Marketing Manager at ABC Company.

Thank you for considering my application. I look forward to the opportunity to discuss my qualifications further.

Sincerely, [Your Name]

B. Analyzing the Strong Points in the Letter

The sample job application letter has several strong points:

• The candidate clearly expresses their interest in the position and summarizes their skills and experience in the marketing industry.
• The letter highlights the candidate’s successful track record in executing marketing campaigns and achieving business objectives.
• The candidate demonstrates their adaptability and ability to implement innovative strategies.
• The letter emphasizes the candidate’s communication and collaboration skills.

C. Strategies to Improve the Letter

To improve the sample job application letter, consider the following strategies:

• Start with a strong opening sentence that grabs the hiring manager’s attention, such as a personal anecdote or a statement about the company’s mission.
• Use specific examples of your achievements and accomplishments to demonstrate your value to the company.
• Customize your letter to the specific job and company by conducting research and referencing relevant company initiatives or values.
• Show enthusiasm and a willingness to learn by expressing interest in the company’s future projects or goals.

By implementing these strategies, you can enhance your job application letter and increase your chances of landing an interview with your dream company.

Writing a winning job application letter requires attention to detail, strong communication skills, and a clear understanding of the hiring company’s needs and values. By following these tips and analyzing examples such as the one above, you can take your job application letter to the next level and stand out from the competition.

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Job Application Letter Format and Writing Tips

• Tips for Writing an Application Letter

Job Application Letter Format

Job application letter template, job application letter example.

• Job Application Email Example

A job application letter (also known as a cover letter) is a letter you send with your resume to provide information on your skills and experience. This letter is your chance to “sell” yourself to an employer, explaining why you are an ideal candidate for a position.

When you write your job application letter, it’s essential to pay close attention to formatting . There’s a right way to format a cover letter; deviate from the standard guidelines and hiring managers may drop you from consideration.

In fact, anything that makes your job application letter appear less than professional can prevent hiring managers from taking you seriously as a candidate. Make sure your cover letter is formatted properly and is free from errors before you send. 

Tips for Writing a Job Application Letter

Do not copy your resume. A cover letter is a sales pitch. The purpose of this letter is to convince the hiring manager that you’re a strong candidate and to highlight your relevant experience and abilities. Your application letter should show how exactly your background makes you a good fit for a particular position. In contrast, your resume is a general record of your experience, education, and accomplishments.

Tailor each application letter to the job. As mentioned above, emphasize in your letter why you are an ideal candidate for the specific job. This requires that you personalize each letter to fit the company and position. Match your qualifications to the job posting by highlighting the skills, experience, and requirements listed in the description.

Be professional. Application letters have a fairly rigid format—as hiring managers read your letter, they will expect to see certain information included in set areas. You have freedom within the structure to be personable, but it is important to stick to a certain level of formality. Pay particular attention to the professionalism of your salutation . You wouldn't, for instance, want to refer to the letter's recipient by their first name unless specifically requested.

Carefully proofread. Employers are likely to overlook an application with a lot of errors. Therefore, read through your cover letter, and even consider asking a friend or career counselor to read the letter. Proofread for grammar and spelling errors. Be particularly mindful to spell the letter recipient's name correctly, as well as the company name.

Follow business letter format. Use business letter format when writing your letter. If you’re sending a typed hard-copy letter, be sure to lead with a paragraph containing your address, followed by the date, followed by the address of the recipient. If you’re sending an email, you can omit the address and date sections.  

Decide whether to send a hard copy or email. The main difference in formatting an email application letter is that you need to include a subject line that clearly lays out your purpose for writing, e.g. “Graphic Designer—Joe Smith.” And, instead of placing your contact information at the top of the letter, as you would in a hard copy, you'll include it below your signature.

Since your application letter will be accompanied by your resume, make sure the letter does not duplicate your resume exactly.

Use this formatting information as a guideline when writing your customized application letters , so you know what information goes where.  

Contact Information Name Address City, State Zip Code Phone Number Email Address

Employer Contact Information (if you have it) Name Title Company Address City, State Zip Code

Salutation Dear Mr./Ms. Last Name, (leave out if you don't have a contact)

Body of Application Letter The body of your application letter lets the employer know what position you are applying for, why the employer should select you for an interview, and how you will follow up. See below for a paragraph-by-paragraph breakdown of the body of the letter.

First Paragraph The  first paragraph  of your letter should include information on why you are writing. Mention the job you are applying for and where you found the job listing. Include the name of a mutual contact, if you have one. You might conclude by briefly and concisely saying why you think you are an ideal candidate for the job.

Middle Paragraph(s) The next section of your application letter should describe what you have to offer the employer.

It can be a single paragraph, or you can break it up into a couple of paragraphs. If the section gets lengthy, you may use bullet points to break up the text. Remember, you are interpreting your resume, not repeating it.

Mention specifically how  your qualifications match the job  you are applying for. In this portion of the letter, make your case for your candidacy.

It can be helpful to spend some time researching the company —this knowledge and insight helps you make an informed and persuasive argument for your candidacy.

Use specific examples whenever possible. For example, if you say that you have lots of experience working successfully on team projects, provide an example of a time you worked in a group and achieved success.

Final Paragraph Conclude your application letter by thanking the employer for considering you for the position. Include information on how you will follow up.

Complimentary Close (examples)

Signature (for a hard copy letter)

Typed Signature

Download the job application letter template (compatible with Google Docs and Word Online) or see below for more examples.

Melissa Brown 11 South Street Harbor View, Maine 04005 555-555-5555 melissa.brown@email.com

July 14, 2021

Jason Rivera Human Resources Director Avery Solutions, Inc. 700 Commerce Way Harbor View, Maine 04005

Dear Mr. Rivera,

I was excited when my former colleague, Stephanie Taylor, told me that you were hiring for a Human Resources Specialist at Avery Solutions.

Stephanie has told me how important teamwork is to your group at Avery, and how much you need an HR Specialist who can fit in with the department and hit the ground running on day one. I believe that I am the ideal candidate for your team.

In my current job at Smith Group, I created and run our onboarding program, including organizing background checks and new hire orientation. I also have extensive experience in:

• Data reporting/data entry on HRIS software
• Recruiting and hiring processes, including creating job descriptions and postings, screening resumes, and scheduling interviews
• Producing company events, such as the annual company-wide picnic (100+ employees from across the country)

I’d love to speak with you about my qualifications and what I can do for your team. I’ve attached my resume for your consideration. Please don’t hesitate to contact me on my cell at 555-555-5555 with questions or to arrange an interview.

Best regards,

Signature (hard copy letter)

Melissa Brown

Job Application Email Example 

Subject Line: George Woo – Editorial Assistant

Dear Ms. Cortez,

I was excited when Ada Wilson told me that you were looking for an editorial assistant with a background in rights and research and a passion for digital media. She suggested that I throw my hat in the ring, and I’d love the opportunity to tell you more about what I can offer your team.

I’ve interned for Ada’s team for the past three summers, developing extensive experience with the rights and research process. Last year, I was instrumental in securing the rights to include Sara Frey’s poems in our digital anthology – a first for an online publisher, according to Ms. Frey’s estate.

I also have:

• Expertise with most popular content management systems, including WordPress
• Analytics knowledge, including expert-level facility with Google Analytics
• A strong work ethic and commitment to meeting deadlines

I hope you’ll reach out at your convenience to tell me more about your team’s goals and needs for the coming year. You can reach me on my cell at 555-123-4567 or via email at George.Woo@email.com.

How to Get Your Application Noticed

Don’t copy your resume: Your job application letter is a sales pitch. Don’t regurgitate your resume; instead, use this document to sell the hiring manager on your skills.

Tailor your application letter to the job: Match your skills and qualifications to the job description, highlighting those that make you an ideal candidate.

Be professional: Use business letter format and be sure to proofread your letter before you send.

CareerOneStop. " How Do I Write a Cover Letter ?" Accessed July 14, 2021.

CareerOneStop. " Write Effective Cover Letters ." Accessed July 14, 2021.

Purdue University. " Writing the Basic Business Letter ." Accessed July 14, 2021.

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How to Write an Application Letter

How do you write an application letter that can get you the job you desire?

Many job seekers don’t always see the reason why they should write an application letter when they are applying for a job because they feel they can just send their CVs.

Your CV indeed contains all the necessary information that the recruiter needs to know about you, but sometimes your CV alone may not be able to do the job of helping you land the job of your dreams.

Your CV may do a great job of showing that you have the skills and education required to excel in a particular position, but it may not be great at telling your prospective employer that you are the best person for the job.

This is what an application letter does for you. An application letter expresses your interest in a job and shows the employer why you are the best person for the position. Writing an application letter is one of the hidden job search hacks that help you  apply for fewer jobs, but land more interviews .

If you are tired of getting  rejected every time you apply for a job vacancy , then you should consider writing an application letter that will help you express your sincere interest in the job of your dreams. In this article, we will be looking at:

• What is an application letter
• Importance of an application letter
• Difference between an application letter and a resume letter
• How to write an application letter
• Application letter examples

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What is an Application Letter?

A job application letter is a formal document that is sent to a prospective employer to express your interest in a position. An application letter is usually sent alone and not attached alongside another document.

Most times, an application letter is not sent after you must have seen an advertised position but sent whether or not a vacancy was advertised. The application letter serves a purpose that is similar to that of the CV.

Read:   How to Write an Application Letter in Nigeria for a Teaching Job

When You Should Write an Application Letter.

Yes, it is true that you should write an application letter when you are interested in a job, but that is not all you consider before you decide to write an application letter.

When you see a job advert that you are interested in, you send your CV and cover letter, right? But this does not quite work for application letters. Employers will not replace the CV and cover letter with an application letter.

The approach of an application letter is different from the CV and the cover letter. You should write an application letter when the employer does not solicit your interest in the position. This simply means when there is no job advertisement or posting.

For example, if you are searching for a job and you have a list of top companies that you would love to work for, you don’t necessarily have to wait for a job posting to declare your interest in that particular job. You can simply email an application to different companies.

This is a way for you to extensively and formally introduce yourself to the prospective employer of the companies that you would love to work for.

Why You Should Write an Application Letter for a Job

Just like we have discussed earlier, there are many reasons why people write application letters. If you are actively searching for a job, then this is why you should consider writing an application letter:

• It serves as a formal introduction between you and your prospective employer.
• It can help you access hidden jobs.
• It can help you to be a step ahead of other job seekers.
• It puts you in a less competitive circle in comparison with what happens when jobs are advertised with thousands of applicants showing interest.
• It can help you boycott the process of applying for a job online, and writing a resume letter because most times application letters stand alone.

Difference between a Job Application Letter and a Cover Letter

Many people use the terms application letter and resume letter interchangeably because they think that they mean the same thing. Even though the application letter and the cover letter perform almost the same function, they are different.

• An application letter is intended to stand alone, while a cover letter is usually accompanied by a CV or resume.
• A resume/cover letter will contain a brief introduction that consists of three to four sentences about the job seekers' experience, education, accomplishment and why the job seeker feels he/she is the best candidate for the job. On the other hand, an application letter may have a more extensive introduction because it is meant to stand alone just like the CV.
• An application letter often can substitute for a resume and, therefore, requires that the job seeker include specific information about her work history and professional competencies. A cover letter, on the other hand, should not contain too much information about the job seekers because it is merely an introduction to the resume.
• A cover letter is like an elevator pitch. It is intended to capture the reader's attention enough to make the recruiter or hiring manager want to review the CV.
• A cover letter is usually used by a job seeker to show interest in a job vacancy after which the job seeker will attach a detailed document (which is usually a CV). An application letter is mostly used by a job seeker to show interest in an unsolicited job.

Learn  how to write a stunning cover letter  now.

How to Write An Application Letter in 10 Easy Steps

These tips will guide you on how you can write an application letter:

• Write an Outline
• Write your first draft
• Use a friendly tone
• Make it concise
• Tailor the job application letter to the job specification and company requirement
• Use typed and not handwritten documents
• Use quality paper
• Write a mind blowing ending

Are you applying for a security job, but don't know how to write an application letter? Read how to write an application letter for a security job in Nigeria

1. Write an Outline : Just like you write an outline when you want to write an essay, it is also important that you write an outline when you want to write your application letter. The outline is the structure of what you want to write in your actual application letter. It is good that you make clear what you want to achieve, and all the things that you want your prospective employer to know.

An outline of your application letter will make it easy for you to write your application letter because you have the structure planned out already.

2. Write a Draft : After you must have done a structure for your application letter, then it is good for you to do a rough draft of the application letter before writing the original one.

When you are drafting your application letter, you can make use of the outline that you did earlier to serve as a guide for your application letter. At this point, you may not worry about grammatical mistakes and punctuation errors. This is to help you develop a prototype application letter.

3. Salutation : Salutation is one aspect of the application letter that is obvious. Most times that is what the employer will likely see first as soon as they open the letter. Since this is an important aspect of the application letter, you need to be careful.

It is important for you to know some tips on salutation before you start writing your application letter:

• You should put a comma at the end of your salutation
• If you are addressing more than one recipient, you should address the recipient as ‘Dear Sirs/Madams’.
• If you don’t know the name of the recipient, you should address the person as ‘Dear Sir/Madam’.
• If the recipient's gender is not known, you should address the person with the full name. Like; ‘Dear David Houston’.

 4.  Tone : Employers can sense your tone from the way that you write. When you are writing your application letter, you must treat the recipient with respect. Be polite and use formal language when you are writing. Be careful not to use slang or ambiguous words.

5. Be Brief : As much as you need to give your prospective employers reasons why you think you are the best person for the job, it is equally important for you to as brief as possible.

Employers are very busy and may not be able to spend time reading your application letter. Mention the purpose of your letter in the first paragraph because this is where the employer will likely look at first.

6. Tailor the letter to the job and the company : Tailoring your application to the job that you are applying for and the company will give your prospective employer the mindset that you are passionate about the job and the company.

Employers look forward to hiring people that are passionate about the job. Tailoring your application letter may be all you need to land the job of your dreams.

7. Use typed and not handwritten documents : Unless a handwritten letter is requested, you should send a typed and computer-generated document. Typing your document will help you present a well-aligned, clear, and easy to read the document.

8. Use a high quality Paper: If you are sending a hard copy application letter, make sure you use a good and quality paper. Don’t tear out a sheet of paper from your notepad and use that paper to write your application letter. If you do that, your application letter will look scrappy and rough.

9. Proof-reading : proof-reading your application letter will help you see errors that you would need to fix before you send your application letter. You can read your application letter out loud to yourself to see some errors.

Check the spellings on your application letter and punctuation errors. You can use Grammarly.com to check your spellings and edit your errors.

 10.  Ending your application letter : When you are sending your application letter, you should make sure that your tone matches the tone of the letter. A formal letter closing is polite, courteous, and respectful.

These are common closing that you can use to end your application letter:

• ‘Sincerely’ or your ‘faithfully’
• ‘Your Truly’
• ‘Faithfully Yours’

Application Letter Example for Any Job Vacant Position

Writing an application letter can be easy and straight forward if you follow some rules. From salutation, closing, to the overall organization of your letter some rules makes your application letter appear good.

Your application letter should begin with the contact information. The contact information should include your contact and that of the employer.

The contact information should include; name, address, phone number, email, and date. If it is an email application letter, you can put your contact at the end of the letter after your signature.

The heading of your application letter includes the contact information and the salutation.

Contact information

(Your contact information)

City, State Zip Code

Phone Number

Email Address

(The employer’s contact information)

Dear Mr./Ms. Last Name,

(Salutation)

Salutation is the polite greeting that is usually at the beginning of the application after the contact information of the. The common salutation format is ‘Dear Mr./Ms’ followed by the person’s last name.

The body of the application letter

The body of your application letter lets your prospective employer know the position that you are applying for, why they should consider your application and how they would finally follow you up if they consider you for the position.

The body of your application letter is made up of different paragraphs leading up to the conclusion. Here we are going to look at the different paragraphs.

First paragraph

The first paragraph of your application letter will include information about why you are writing the letter in the first place. It is in this paragraph that you will mention the job that you are applying for and where you saw the job application.

It is in the first paragraph that you create a lasting impression on the employer. This is where you sell yourself to your prospective employer.

Second and third paragraph

The second and the third paragraph of your application letter should tell your prospective employer what you have to offer the company and what you have to offer performing the job.

These paragraphs are the most important in your application letter because this is where you have to prove to the employer that you meet the need of what the employer is looking for.

This is where you would have to share the experience, skills and accomplishments that suggest you as the best person for the job.

Remember to state how your qualification makes you the best person for the job.

Note : You should research the company and find out some information that will help you emphasize that you are the best person for the position. You can research the role that you would love to fill to find out the company’s expectation for the role, and then tailor your application in that regards.

You should also not forget to make use of specific example where possible. If you say that you are a skilled at marketing products, you should be able to give examples that would emphasize that.

Last paragraph

The last paragraph of your application letter should summarize your application letter. You should also thank your employer in this part of your application letter. You should conclude this paragraph by thanking your employer for considering you for the position.

You can also include information on how the employer or the company will follow you up.

Complimentary close

You should sign off your letter with a polite close. For example;

Signature (for a hard copy letter)

Typed Signature

Job Application Letter   Example for an Experienced Job Candidate

Writing an application letter for a job may not be an easy thing to do especially when you are writing one for the first time.

Looking at an application letter example will help write your own without much stress. This application letter example will guide you to write your application letter.

David Emmanuel

11 South Street

Ocean View Estate, Lekki,

Lagos, Nigeria.

555-555-5555

[email protected]

November 13th, 2019.

Judith Peterson

Human Resources Director

Capital Solutions, Inc.

101 Admiralty Way

Lekki, Lagos,

Dear Mr. Judith,

I was very happy when my friend, Daine James, told me that Capital Solutions are searching for a Human Resources Specialist with a minimum of two years experience.

From my research on the company, I learned that Capital Solutions see team work as an important aspect of performance that can help the company reach its goals, and how much the company needs a Human Resources specialist that would join the team and start performing at once. I believe that I am that ideal candidate for your team.

I am David Emmanuel, a graduate of Human Resources and Personnel Management from the University of Lagos. My 5 years of experience in Human Resources practices has made me become a Human Resources specialist.

In my current as the Human Resources Manager, I manage a team of 20 staff members, organize on-boarding program for new staff, and prepare pay role for the company. I also have experience in:

• Data entry and data reporting on HRM software
• Recruiting and hiring processes (which includes; creating job descriptions, posting job vacancies, creating candidate awareness on available job vacancies, screening CVs and scheduling interviews).
• Organizing company event. (Organizing end of the year party and team bonding events).

I would love to speak with you about my qualifications and what I can do for your team. Thank you for your consideration.

(Signature)

David Emmanuel.

Job Application Letter   Example for Job Candidates with No Experience

Jane Aderinsola

11 Ajayi Close,

111-333-4444

John Samuel

Dear Mr Emmanuel,

I was extremely excited when a friend mentioned the opening for the role of a customer service intern. I recently graduated from the University of Lagos, where I studied Mass Communication. I am very passionate about customer service, which is why I am excited about this position.

As a first-class graduate of Mass Communication, and as a one-time public relations officer for the students’ Union. I have learned how to effectively communicate and manage relationships with diverse people.

Asides from my graduate program, I have also taken different certificate courses and training in customer service practices and public relations. I recently attended a 2-weeks customer service training where I learned: The ethics of customer services, telephone etiquette, and I improved my written communication skills.

From my education, training and experience, I have been able to build the following skills:

· Excellent communication skills

· Good listening skills

· Improve my writing skills

· People management skills

· Interpersonal skills

· MS Office

I believe that my education, experience, and training in Mass communication and customer service practices has prepared me for this internship role.

Considering the great milestone that ABC company has achieved over time, I am certain that this company will be a great environment for me to grow my career as well as contribute to the success of the organization.

I look forward to a scheduled time where we can discuss my qualification as regards the internship.

Thank you for your consideration .

Application Letter FAQ

1: should my cv be accompanied by an application letter .

The answer is yes, your CV or résumé should always be accompanied by an application letter. It's an important self-marketing tool which you shouldn't fail to utilize.

2:  How Should I Format My Application Letter?

Your application letter should be formatted the following way: ●    Heading (hard copy) or Subject (Email) ●    Salutation Check this post for more infomration on how to format your application letter

3:  What Should I Include In My Application Letter?

Your application letter should include relevant work history and skills, the significant role you played in your previous job which matches the job you are now applying for, why you would be a  good fit for the role, achievements, and any industry certifications you possess

4: How Long Should My Application Letter Be?

Typical, a cover letter should be half a page, or one full page in length. Break it into paragraphs, so that the information can be easily and quickly absorbed by the recruiter.

Having a professional application letter can help you land the job of your dreams without having to wait for years. Companies receive loads of application letters daily, but learning how to write an effective application letter can help stand out from other job seekers.

Looking to land your dream job? See  100 interview questions and answers  to get you prepared for the big day.

Staff Writer

18 comment(s).

You explain it very well because your way of explanation is lovely. I am a social person, and I read many blogs from different websites. is one of them. He can also provide us with good information. I appreciate it. Keep it up.

Thank you very much Meave for your comment. 

You have explained well. But what if the person doesn't have any working experience? 

Thank you Ozuu for your comment. The post has been updated, so you can look at the application letter example for job seekers with no experience.

It is the section before the application letter FAQ.

thanks it has helped me

I love yr explanation but  what if the person is not a graduate ,and have no experience, if the person is an ssce holder , how we the person write the application Letter

I appreciate your work,good explanation.It really helped me

I really appreciate your explanation,it was very helpful

You explained very well... Thanks so much

Thank you for your explanation  but what about shs graduate 

Thanks alots your explanation helps.

Thanks for your vivid insight on this subject. I actually benefited alot. Keep it up. 

Best regards from;

EMMANUEL SUNDAY

Wow! Never knew that there's a difference between application letter and CV cover letter.  Thanks for your explanation, was really helpful.

The lecture is very educative. 

What if you are writing an application letter for a job that isn't related to your specialty. 

Example, you studied banking and finance but wanting to write for a position of a human resource and you don't have any experience on that. How will you go about it? 

I love this question, can someone answer this

This article is fantastic and I got some good information by reading this. 

Nice comment, <a href=";>check this out also.</a>

Leave a Comment

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How to Write an Application Letter

Last Updated: May 6, 2024 Fact Checked

This article was co-authored by Alexander Ruiz, M.Ed. . Alexander Ruiz is an Educational Consultant and the Educational Director of Link Educational Institute, a tutoring business based in Claremont, California that provides customizable educational plans, subject and test prep tutoring, and college application consulting. With over a decade and a half of experience in the education industry, Alexander coaches students to increase their self-awareness and emotional intelligence while achieving skills and the goal of achieving skills and higher education. He holds a BA in Psychology from Florida International University and an MA in Education from Georgia Southern University. There are 7 references cited in this article, which can be found at the bottom of the page. This article has been fact-checked, ensuring the accuracy of any cited facts and confirming the authority of its sources. This article has been viewed 172,407 times.

Application letters are typically written to accompany school or job applications. The purpose of the letter is to introduce yourself to the decision committee, and to outline your qualifications in a specific way. It can be the only time other than an interview that you have a chance to really stand out in an application, so it's important to get it right. You can learn what to include in your letter, how to style it, and how to format it to give yourself the best chance.

Application Letter Templates

Writing a Job Application

• A good example would be: "I'm writing to apply for the Chimney Sweep position advertised in Rolling Stone. I think my experience in the heating industry makes me uniquely qualified for this position. Please find my application materials and a brief description of my qualifications below."
• Don't write your name until the signature. It'll be in the header and in the sign-off, so there's no reason to put it in the body of the letter itself.

• Be specific. Who are you? Where do you come from? What's your story? These details are important. HR screeners read hundreds of these.
• Describe your ambitions. Where do you want to go? How will this opportunity help you get there?
• What skills and experiences make you the right fit? Be as specific as possible and avoid vague language. It's better to describe a time you solved a specific problem at your last job than to just write, "I'm a good problem solver at work."

• Tailor it to the business. If you're applying to work at a record store, you need to talk about music. If you're applying to work at a tech company that writes, "Tell us something totally rad about yourself!" it's probably ok to be a little more informal.

• Don't over-promise. Telling someone that you can guarantee that you'll be able to turn around their sales figures in six months or less is a good way to get fired in six months.

• Any kind of job requires this type of research. If you apply to a restaurant, you need to be familiar with the menu and the kind of customers the restaurant attracts. Consider eating there a few times before you apply.
• Don't show you're familiar by criticizing a business and telling them what you can do better. Not the time to offer a harsh criticism of a business plan that you don't really know anything about.

Writing a School Application

• Common prompts include things like, "Outline your qualifications for this position" or "In writing, explain how this position would affect your career goals." Sometimes, the prompt will be as short as, "Tell us something interesting about yourself."
• If there is no prompt, but you still feel the need to introduce your application with a letter, it's usually best to keep it as short as possible. Explain what you're applying for, why you're applying, and thank the contact for their consideration. That's it.

• Often, college prompts will ask you to describe a time you struggled, or a time you overcame some obstacle. Write about something unique, a time that you actually failed and dealt with the consequences.
• The board will get thousands–literally, thousands–of letters about someone's first mission trip, and letters about the time someone's sports team was beaten, then overcame the odds, and won again. Avoid these topics.

• Be specific. If you're writing to a college board, don't say, "I want to go to this college because I need a degree." That's obvious. What do you want to do with it? Why? If you're applying to a business, don't say, "I just need a job." That's obvious. Why this specific job?

• If you're applying to schools, what do you like about the school? What faculty are you interested in? Why this school, instead of another?

Formatting Application Letters

• If you don't get a word-count guideline, just focus on making one or two good points about yourself, and keeping it at that. No need to drone on four several pages.

• Instead of a salutation, write, "Letter of Application" at the top left corner of the page, or put it in the header on the left side at the top.
• If you do have a contact, address it to them, making sure the name is spelled correctly. Then space down and start the body of the letter. [10] X Research source

• Sometimes, it's appropriate to type your name, then print out the letter and sign it in pen. That can be a nice touch.

• Mailing address
• Telephone and/or fax number

Expert Q&A

• Remember to be formal at all times. Do not use abbreviations anywhere. Thanks Helpful 0 Not Helpful 1

You Might Also Like

• ↑ https://www.indeed.com/career-advice/finding-a-job/how-to-write-an-application-letter
• ↑ https://owl.purdue.edu/owl/subject_specific_writing/professional_technical_writing/tone_in_business_writing.html
• ↑ Alexander Ruiz, M.Ed.. Educational Consultant. Expert Interview. 18 June 2020.
• ↑ https://advice.writing.utoronto.ca/types-of-writing/admission-letters/
• ↑ https://wts.indiana.edu/writing-guides/personal-statements-and-application-letters.html
• ↑ https://owl.purdue.edu/owl/job_search_writing/job_search_letters/cover_letters_1_quick_tips/quick_formatting_tips.html
• ↑ https://writing.wisc.edu/handbook/assignments/coverletters/

About This Article

To format an application letter, start by including your name and contact details in the document header. When choosing a greeting, only use one if you know the person's name your writing to. Otherwise, give the document a title, like "Letter of application" at the top of the page. For the body of the letter, aim to write no more than 1 page of single-spaced paragraphs using a standard font. Finally, conclude your letter with a formal greeting like "Sincerely yours." For tips on how to write a job application letter, read on! Did this summary help you? Yes No

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Free Australian Resume Template

What is an application letter?

Also known as a cover letter, an application letter is a summary of your strongest and most relevant skills and abilities that will be expanded in your resume or selection criteria. It introduces you to potential employers and highlights your suitability for the position you are applying for.

All written applications should include an application letter. In many cases, your application letter is just as important as your resume. It is unlikely that your resume will be read if your application letter doesn't make a good first impression.

The Dos and Don'ts

What to include.

At the top ↑ :

At the bottom ↓ :

An application letter can be structured into 3 parts:

Introduction

The beginning of your application letter should include:

The body of the application letter is where you 'sell yourself. It should address the key requirements stated in the job ad, describing how you have the required qualifications, knowledge, skills and experience.

Identify keywords, phrases and skills mentioned in the ad and focus on emphasising your strengths in these areas. It isn't necessary to include everything mentioned in the job ad. Instead, focus on three to five of the most important elements.

Points to remember:

• Keep to one theme per paragraph and support your claims with examples.
• Write persuasively
• Explain why you are interested in the position or working for the company / organisation
• State the value you will bring to the position
• Identify how your achievements and skills qualify you for the role

At the end of the letter:

Sample Cover Letter

Mailing address

Telephone number(s)

Email address

Today's date

Your addressee's name

Professional title

Organisation name

Dear Mr/Ms [last name],

RE: Application for [job role], reference number [number]

Start your application letter with a statement that establishes a connection with your reader. Briefly say what job you are applying for and where you saw the job advertisement.

The mid-section of your application letter should include short paragraphs that make relevant points about how your qualifications and skills make you a good fit for the position. You should not summarise your resume. You may include bullet points here. Choose some qualifications, skills and experience that really target the position you are applying for. Do not go overboard and save information for the interview.

Your concluding paragraph should instigate the reader to contact you for an interview. Refer to any attachments added to your application. Show appreciation for consideration and say thank you.

Yours sincerely, 

(Include your contact details here if you do not add them at the top of the letter)

Further Support

Below are some useful links providing further support with:

They also include example cover letters. Please note, it is important to use examples as a guide only. DO NOT copy the examples and use them as your own.

• What is a Cover Letter? Useful advice and tips from seek.com.
• Cover Letters - The Good and The Bad A few simple tips from seek.com to help you get your cover letter noticed.
• Cover Letters - Monash University More advice about format and content of a cover letter, as well as industry specific examples.

Additional Resource

Featured Resources

• << Previous: Resume
• Next: Selection Criteria >>
• Last Updated: Jun 16, 2022 9:36 PM
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Watch CBS News

Biden administration cancels $7.7 billion in student debt for 160,500 people. Here's who qualifies.

By Aimee Picchi

Edited By Anne Marie Lee

Updated on: May 23, 2024 / 11:38 AM EDT / CBS News

The White House on Wednesday said it has approved $7.7 billion of student debt cancellation for 160,500 borrowers, part of its ongoing effort to provide relief after the Supreme Court last year  blocked  President Joe Biden's plan for broad-based college loan forgiveness. 

With the latest round of forgiveness, the administration has erased a total of $167 billion in student loans for 4.75 million people, or about 1 in 10 student loan borrowers, the Department of Education said. 

The people who qualify for forgiveness in the latest round of debt cancellation include public servants such as teachers and law enforcement officers, as well as tens of thousands of people who have signed up for Biden's new loan repayment program , called SAVE. That program, created last year, pegs a borrower's monthly payment to their income, lowering their financial payments, and is designed to fix a pitfall of earlier repayment programs that allowed interest to snowball.

"One out of every 10 federal student loan borrowers approved for debt relief means one out of every 10 borrowers now has financial breathing room and a burden lifted," U.S. Secretary of Education Miguel Cardona said in the statement. 

Concerns about the cost of college are on the rise, with about half of Americans saying college is worth the money only if you don't have to go into debt, according to a new Pew Research Center analysis . And only about 1 in 5 Gen Z college grads say their diploma was worth the investment, compared with more than half of baby boomers, MassMutual found  in a new survey.

Here's what to know about the latest round of forgiveness. 

Who qualifies for loan forgiveness?

The Biden administration said there are three groups of borrowers who have been approved for forgiveness in the latest round.

• 66,900 borrowers will have $5.2 billion forgiven through the Public Service Loan Forgiveness program, which is designed to help public servants such as teachers, nurses and law enforcement officers get their debt canceled after 10 years of repayments. 
• 54,300 borrowers will have $613 million forgiven through the SAVE plan. 
• Another 39,200 borrowers will have $1.9 billion forgiven through adjustments to their income-driven repayment plans. These plans were sometimes mismanaged by loan servicers, which made it more difficult for some borrowers to achieve forgiveness. 

How will I know if I qualify for forgiveness?

The Biden administration said that people who qualify under this latest round of debt cancellation will get an email about their approval. 

The debt cancellation will then be processed in the next few weeks, it added. 

Will Biden offer more student loan forgiveness? 

Yes, because the Biden administration is working on a new effort to provide broad-based loan forgiveness through the Higher Education Act. 

The new plan could provide relief to about 30 million borrowers, either erasing some or all of their college loans. 

The Biden administration on Wednesday said the public comment period on the new regulation closed on May 17, with the Department of Education now reviewing the thousands of comments it received. 

"Our goal is to publish a final rule that results in delivering relief this fall," the Education Department said in the Wednesday statement. 

How can borrowers sign up for SAVE? 

The SAVE plan is open for enrollment here .

The income-drive repayment plan bases monthly payments on income and family size, with some lower-income households with more family members paying little to nothing each month. For instance, a family of four with less than $50,000 in annual income would have monthly payments of $0. 

Another benefit to the program is that it eliminates snowballing interest. In previous plans, borrowers sometimes saw their balances grow if their monthly payments didn't cover all their interest, a financial situation called "negative amortization." That's why some borrowers may have left college with, say, $20,000 in debt but ended up with much larger balances even after years of repayment.

• Biden Administration
• Student Debt

Aimee Picchi is the associate managing editor for CBS MoneyWatch, where she covers business and personal finance. She previously worked at Bloomberg News and has written for national news outlets including USA Today and Consumer Reports.

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Read this before you use ChatGPT to write your university application cover letter

Trên trang này, the limitations and risks of chatgpt, why you shouldn’t use chatgpt, even as a last resort, 1. chatgpt can’t beat a human expert, 2. chatgpt has no historical knowledge of a winning cover letter, 3. the risks of rejection or dismissal after enrolment is real, study abroad with idp today - get the edge even without chatgpt, chủ đề được đề cập.

• 28 May 2024

You’ve probably heard of ChatGPT, the AI-powered app that is revolutionising the world and changing how the world interacts. In fact, you might be wondering if ChatGPT is the perfect solution to writing a winning university application cover letter.

Yes, the OpenAI chatbot seems to have infinite potential to solve any writing challenge on Earth. However, should you take chances on your entire academic and professional future with this shortcut?

It might seem like a no-brainer to breeze through your university admissions using a chatbot that provides seemingly complex and sophisticated answers to simple questions. Why spend days writing an academic essay when it can be done within minutes, and all without grammatical errors?

But the stakes are high. In this article, we are going to highlight some crucial points to consider before you use ChatGPT to write your university application letter, or even during the rest of your university studies after getting in.

One downside of using the chatbot is that you will not just be technically cheating the university, but also yourself.

The University of Oxford defines plagiarism as “presenting someone else’s work, with or without their consent, as your own without full acknowledgement.”

And since ChatGPT isn’t a living breathing human being, one could argue using the chatbot is perfectly fair game, based on certain definitions. However, there are reports that a growing number of universities are rethinking the idea of plagiarism which could eventually lead to including ChatGPT as a tool for ‘cheating’.

However, as you’ll quickly realise, ChatGPT is more of an AI that consolidates existing information online (up to 2021) and doesn’t exactly produce true inspiration or motivation to help you in your application writing.

To prove a point, we gave ChatGPT the following prompt: "Write for me a university cover letter for a student in Indonesia who wants to pursue an electrical engineering undergraduate degree at the University of Sheffield in the UK.” 

We can see that the letter is written in a very mechanical way, as if it were adapted from a template. The generic terms used, placements and even sentence constructs might betray the fact that it was written by AI. Just imagine the university receiving similar copies of this cover letter submitted by multiple applicants!

Not only does it come off as cookie-cutter, any personality or uniqueness to you is non-existent. It also shows a lack of research done towards the course curriculum or the school’s specific achievements.

One concerning issue is how ChatGPT assumed that the writer was a member of a robotics club and was experienced in building electrical systems. This inventing of facts to help better fit the narrative of the application letter can be a trap for your credibility.

Because there is no connection between the real person and ChatGPT, trying to use the chatbot to write a university application letter isn’t a good idea. Worse of all, the consequences of getting caught can be severe.

It’s important to understand that ChatGPT can’t beat an education expert because it just doesn’t have the depth of experience or understand what’s on the line.

For example, education counsellors at IDP meet students through individualised sessions to fully understand their needs, achievements and future plans. Plus, all this is done at the student’s convenience, at no cost. In fact, you might even enjoy having some fees waived in the application process.

More importantly, you get to tell your whole story to our experts who can then flesh out a compelling narrative and highlight key points to be included in the university cover letter.

ChatGPT doesn’t know everything, including what works and what doesn’t in a successful cover letter.

In contrast, education experts in IDP have years of experience in knowing which letters will likely result in success. After assisting thousands of students and having first-hand application and communication experience with the universities themselves, the counsellors know what the institutions are looking out for.

Chatbots like ChatGPT just don’t have that human touch and depth of knowledge to assist you with writing a compelling cover letter. It’s not just about mechanically listing facts about yourself, but also how it is presented to best portray your motivations in the best light possible.

If that still doesn’t deter you, consider the real risks of getting caught using ChatGPT!

Firstly, your application would likely be rejected and you could be blacklisted throughout the university for future applications. This might make any future attempts of getting in exponentially harder, if not impossible.

Secondly, you could enter a common database and be flagged for ‘cheating’. This could indeed affect any future application chances if your particulars are double-checked against this database.

Thirdly, tools are being developed and refined to detect AI-written essays and they could retrospectively be used by universities to analyse your old application cover letter. If caught, this could result in serious penalties or even expulsion from your course.

The reward just isn’t worth the risk.

Do it the right way, get in touch with an expert at IDP (and not ChatGPT)!

Need help crafting your best cover letter possible, risk-free? Look no further than the education experts at IDP. Make use of their experience to write your cover letter and apply the right way.

Our education counsellors are also happy to help you select the right course and study destination for your career aspirations.

From understanding your unique situation to answering all your questions, seek help from us and make your best decision possible.

Take the next step with IDP today and get tailored advice from our team of education experts to help you reach your goals.

Simply book your free online counselling session with us today and we’ll take it from there!

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