Lessen Dreaded College Debt

The college application process is difficult. The acceptance process is nerve wracking. The decision process is confusing. And on top of all of that, the financial aspect of college is daunting.

College is expensive, that is common knowledge. So, how do people pay for their education? There are many different ideas and ways to obtain financial assistance, and here are just a few to think about.

Scholarships are always available. There are many different categories and types of scholarships that you can apply for. Local community groups, schools, businesses, and other organizations give away scholarships. The best way to find a scholarship is to do your research early. Collegeboard.com, Scholarships.com, and other online resources are right at your fingertips. You can also feel free to ask your high school counselor. He or she is a great resource for any support in your college transition process. These scholarships can pay for your tuition, books, and some will even provide assistance for other necessary school related items.

Financial Aid can assist many. Always apply for any financial aid, no matter what position you are in economically. There are different categories and levels of aid that are given out, and you might actually qualify, even if you don’t believe you do. It is better to apply and get denied for aid, than miss out on any potential monetary assistance.

AP classes and exams are a great way to prepare ahead of time for some general education classes you will have to take in your first few years at a university. These classes and exams not only prepare you for college type curriculum, but they also can provide you with college credit, based on the school you choose to attend.

Community college can also lessen the burden of the financial cost of college. Community college is less expensive than a four-year university. It provides the necessary general education courses needed and transferring today is done all the time. So, if money is tight, think about spending your first two years at a community or junior college. This is an especially important step if you are not sure exactly what you want to study. These two years can give you the freedom to try out different classes, without having to pay an extremely expensive tuition.

Personal savings is a huge way to prepare for any potential loans that may be necessary. Responsibility is just one thing every college student must learn, and financial responsibility is one of the most important aspects of moving away from home and living on ones own. If you have a job, try to save a little out of each paycheck. If you do not have a job, make sure that you remember not to spend the money you do have frivolously.

Even though college is a huge expense, it is worth every penny. Just make sure that you are smart with what you spend your money on, and seek help. I hear classmates of mine complaining every day that they do not know how they are going to pay for college. I continuously tell them there are so many different ways to get financial assistance; you just have to take the time to find it.

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Kayla Yokoyama

Kayla Yokoyama

Kayla Yokoyama is a recent graduate from the University of California Davis with degrees in both communication and economics. When she isn't working at the City of Davis, you can find Kayla reading, writing, or hanging out with her friends and family. She loves to listen to music and adores her two cats.
Kayla Yokoyama

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One Response to “Lessen Dreaded College Debt”

  • “Responsibility is just one thing every college student must learn, and financial responsibility is one of the most important aspects of moving away from home and living on ones own.”

    So true. I think that College students really do need to pay attention to their finances. In college is the perfect place where within a protected environment (you’re not trying to raise kids and pay a mortgage, etc.) one can learn about savings, make a few mistakes and come out more money savvy that when you started after high school.

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