College costs are going through the roof. The average debt of a student finishing college is almost $20,000. Follow these strategies to reduce the sticker cost of your education.
Ask about application fee waivers.The cost of applying to college, taking standardized tests and having those scores sent to schools can add up. If you're strapped for cash, consider asking about application fee waivers. But keep in mind: Availability is limited, and you must meet some pretty stringent standards to qualify.
Apply for financial aid. Even if you think you're not eligible, be sure to apply for financial aid by filling out the FASFA (Free Application for Federal Student Aid). This form is the first step for applying for all kinds of aid, from federal aid (grants, loans and work-study), to state-based funding (grants and other programs), to college-based aid (special awards, grants and work-study programs).
Search for free money. And since every little bit counts, you should also apply for scholarships. Use scholarship search engines to help you find awards and then apply! And to learn more about all your funding options.
Complete some of your credits at a lower-cost school. You can save a lot by completing your general education requirements at a community college or less expensive school and then transferring to complete the degree. Talk to an admissions counselor to be sure your credits will transfer, and learn as much as you can about the financial aid policy. Some schools restrict financial aid for transfer students.
Get to know the financial aid officers at your college. While specific rules apply for financial aid calculations, financial aid officers still have a certain amount of leeway in determining how aid is allotted. It's important to let your financial aid officer know about any special circumstances that affect your ability to pay for college.
Look for ways to pay in-state tuition. Most public colleges and universities charge considerably less tuition to in-state students in comparison to students from out of state. Pick a college in your state to keep costs down. Or if your heart is set on going out of state, consider moving a year before starting college. After you've established residency (usually one year), you should be eligible for in-state tuition. Policies vary from school to school, so be sure to check with your school of choice.
Accumulate credits before college. You'll save a lot in tuition by earning college credits while you're still in high school. Take AP courses or think about taking courses at a local community college to get a head start on your college career.
Combine degrees to save time and money. If you're planning to earn multiple degrees, you can save a year's tuition by enrolling in a combined degree program. Some schools will allow you to combine a bachelor's degree with a master's degree or a master's degree with a doctoral degree.
Live at home during college. You can save a lot if you live in your parents' home when you go to college. You might miss out on the dorm experience, but your food and housing bills will be a lot lower. If you really want the residential college experience, compromise by spending some years at home and some years living on campus.
Apply for "life experience" credit.If you're entering school from the work force, you may be able to earn college credit for your employment and life experience. Some schools administer their own tests and standards while others allow you to take CLEP tests for college credit.
By keeping costs down and maximizing financial aid, you can graduate without accumulating a mountain of debt.
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A lot of these concepts are good...in theory. It's hard to get the free money, however...and I would just like to say in a semi-related thought: I would be so happy if my debt was only $20,000 upon graduation. =P
I understand why so many kids are trying hard to find free money. Who wouldn't want to go to college for free? But it seems like too many kids are stopping themselves from going to a better school just because of the cost. They should decide that after they get their financial aid package. Even so, loan isn't such a bad thing if you know how to manage your money. People say how bad it is about debts and such. I'd say they do not know how to deal well with money. Perhaps they didn't strive hard enough. Plus, I think you can make up for the debts and slowly pay the money back if you get a good job. Most top private schools have connections that students can take advantage of. That's why it's so much more convenient to invest a little bit more in your education. You'll make up the money for it in no time once you start working.
Then again, you'll never know where life will take you. Good tips for high school students. College students should find a job while keep up with the school work.
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http://www.mylot.com/?ref=truelife
i have the money i just choose not to spend it all on one college
*~*K i M b U r L e E*~*