Scholarships don't need to be paid back, so they are superior to a loan and worth the time and patience. Most scholarships require an application which may include a short essay, and there is even help with that part, too.
This guide will get you started by introducing you to the wide variety of trusted resources out there (including opportunities specific to VCU); by suggesting tips for organization and success; and, finally, by providing help with your applications and essays.
You may want to start by answering the profile questions at ScholarshipExperts.com or Fastweb to get an idea, quickly, of just how many things about yourself have matches out there in the land of scholarships and grants. And, if you are easily overwhelmed by all of the possibilities out there, these sites could also be the "home base" for your search. Good luck!