How to Get a College Education Without Going Into Debt

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A college education is one of the most valuable investments you can make in yourself, but it is also one of the most costly. Nowadays, if you want to thrive in your career, you almost have to have a degree in some form. Unfortunately, the average American college graduate leaves school with more than $30,000 in debt looming over their shoulders — a considerable sum. There are, however, methods and means to endure this period without drowning in a sea of debt if you are ready to make lifestyle changes.

Expenses for academics should be kept to a minimum

Textbooks and other study materials can be exorbitantly priced, costing upwards of $50 for a single text book! Although it is critical to have all of the resources you require, buying brand new study materials on a regular basis will result in you spending hundreds of dollars each semester. After all, each module’s “suggested reading” frequently necessitates the usage of many textbooks! Instead of buying everything new, look for used books (which you can often get from students a year ahead of you on your course or at the university bookstore) or buy older versions online. You can also think about borrowing books from your college library or pooling funds with your friends to split materials and expenditures.

Scholarships are available

Before you begin your college studies, look into all of the scholarship opportunities. You might be shocked to learn about the variety and breadth of scholarships available. To earn money for your college degree, you don’t have to be a Steven Hawkins-style genius. 


Make informed lending decisions

In an ideal world, you would not need to take out a student loan to fund your college education, but in reality, you may need to borrow a small amount to remain afloat financially during this time. When it comes to borrowing money, be smart: compare personal loans to make sure you’re receiving the best price, just borrow what you need (no extra money for that crazy spring break road trip you’ve been fantasizing about), and examine your balance and repayment alternatives on a regular basis. After graduation, you might want to think about refinancing your student loan and consolidating the balance into a single loan. By consolidating your debt, you can reduce your interest payments while also making it easier to manage.

Obtain a part-time job

You already have a lot of worries and commitments as a student, from looming thesis deadlines to last-minute exam cramming. A part-time job may appear to be an additional source of stress that you simply do not have time for, but earning a little extra money to help pay off your college costs might actually relieve tension by removing one more thing from your to-do list. When it comes to part-time jobs, there are numerous alternatives. Working in the services and hospitality industries (e.g., at a bar, restaurant, or hotel) might be ideal for students because these jobs typically offer schedule flexibility.


On the internet, you can look for work as a freelancer

Just as there are numerous part-time job alternatives for students, there are numerous ways to make money online today that can help you improve your financial condition while also training you for your future career. For instance, suppose you’re a journalism student who wants to work for a national newspaper. You might be able to get freelance writing work online in this instance. If you’re a Graphic Design student, you’ll probably be able to find paid employment developing logos and designs for small firms online. 

Find a job that will help you pay off your student loans

If you’re going to graduate from college with tens of thousands of dollars in debt, you’ll want to find a job that will help you pay down that loan, right? Companies that participate in such efforts range from well-known corporations and chains, such as Starbucks, to small and medium-sized businesses. When hunting for your first graduation job, keep your eyes out for a company that comes within this category, as it is offered by more than half of employers.


Submit a Grant Application

You may or may not be eligible for grants for your college education, depending on your specific circumstances. Grants are sums of money that are granted to qualifying people to assist them with their expenses during their studies. The decision to give someone a grant is based on their financial needs, and it is typically limited to people from low-income families.

By – Priyanka Dhillon

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