Five Ways To Graduate Without Debt
The following is a guest post
These days everyone is questioning whether or not the college degree is even worth the cost anymore. With thousands of recent college grads still unemployed and moving back home, many prospective and current college students are starting to believe that a college education isn’t worth it.
What most don’t realize is that it isn’t the college degree’s fault that recent college grads are unemployed it’s the fault of the terrible economy and stagnant job market. A college degree is still needed if one hopes to gain any sort of professional career, and you can bet that an employer will chose a job applicant with a degree over an equivalent candidate without one any day.
However, the facts still remain. A college degree is expensive, and the debt a student can accrue while in college can be horribly burdensome upon graduation. But college doesn’t have to be so expensive, and students don’t have to walk away with $40,000+ in student loans. In fact, they can graduate without any debt at all simply by:
Filling Out the FAFSA
Many students who would be eligible to receive federal assistance never do because they refuse to fill out the FAFSA. Many students believe that their parents make too much money so they won’t qualify, however, it never hurts to fill out the application. The FAFSA is easy to fill out, and the minimal effort taken to fill it out could be rewarded with thousands of dollars in grants and scholarships. Prospective students simply must be planning to attend online accredited colleges or traditional universities to become eligible for any of the aid they are provided.
Researching State Assistance Programs
Federal education assistance programs aren’t the only ones available to students. Many states all offer educational assistance programs. Some states provide loan forgiveness to students who choose to work in particular industries such as education or in the non-profit sector, or even just for graduating in 4 years or less. Students participating in the Texas B-On-Time Loan Program have all of their loans forgiven as long as they graduate within 4 years. Other states even offer programs to high school students to help cover the costs of in-state schools. The Missouri A+ programs grants high school students 2 free years of school at a community college in exchange for tutoring and mentoring hours.
Applying for Scholarships
This may sound like a no brainer, but you would be surprised by how many people don’t apply for scholarships simply because they believe they are unqualified. Scholarships recipients aren’t always star athletes or MENSA candidates, and many average college students receive thousands of dollars in scholarships simply by filling out applications through online searches such as Fastweb.com or Scholarships.com.
Enrolling in College Courses in High School
If your school allows you to take college courses while you are still in school, take advantage of it. Courses taken through a high school are much cheaper than those taken on the university’s campus, and can greatly reduce the years of regular college needed which can also save you thousands of dollars.
Choosing In-State
One of the biggest joys about going away to college is just that: going away. However, choosing to go to an out-of-state school comes at a high price. Out-of-state tuition can be as high as three times the cost of in-state tuition, and the benefits of attending an out of state school are only there is the school is prestigious. To save big, choose in-state and then plan on moving to a better location once you have a job.
Degree levels at Daytona State College top out at the Bachelors degree. By paying its faculty better than most schools Daytona State College tries to attract and retain a high quality teaching staff.
This is exactly what I was already doing. But when I came across the realization that it isn't set correctly on boot I thought I would ask about a different way.
what i did is i work hard at night and study at the morning.
I guess everyone’s circumstances are different, so I wouldn’t speak to possibility in absolute terms, but I have to say that the critical issue for me, even given some scholarships and grants, was one that you don’t mention: if you really want to make it out debt free, don’t go to a private university. Knocking out some credits at community college seems to hint at a bigger principle about choosing tuition scale. Of course, my alma mater wouldn’t like that piece of advise. I think I’m a pretty interesting case study, at least, regarding the extreme improbability of avoiding loans as a Christian university student, short of a full ride. I think all of the things you say are still vitally important, even if the student can’t get out totally debt-free, because there’s a big difference between blank check and minimal debt. And you probably say it elsewhere, but the most important principle after the fact, for those of us who ended up owing, is: don’t pay just the monthly minimum. If you keep living frugally, you can get out of cash advance pretty quickly.
I would like to comment about the value of a college degree. Most students go about this the wrong way instead of going to college and specializing in some kind of tech field or something else and than go out and get a decent job in their field of expertise that pays far more than wallgreens for example you do not have to have a four year degree to get a really good job that is if you go into the right field. Than use the generous benifits package that the company offers and this most likly includes paying for part of your continuing education. Also never count out wallgreens or kmart or really any large company because they may have a job in the field you are in even wallgreens has personal involved in web design or computer science.. Also if you start working in the speciality field before you leave college you will be in the sweet spot compared to your counter parts that are not.
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