[caption id="attachment_56174" align="alignleft" width="150"] Scholly has been downloaded several thousand times since May.[/caption]

Christopher Gray couldn't even afford college application fees, let alone tuition. His single mother was out of work, and there were two siblings to think about, then ages 2 and 3.

But with a passion for entrepreneurship, the Birmingham, Ala., student dreamed of attending a college in the Northeast so he could be close to New York City and other major business centers. "So the onus was really on me. I had to deal with it myself," recalled Gray, now 21...

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