5 Tips for Going to College Without Student Loans


Going to college is a steppingstone in life to finding a career that is right for you. Getting a higher education beyond high school is important but it is also very expensive. If you want to pursue your goal of earning a degree or diploma in college but you do not want to apply for student loans or you do not qualify for them then there are alternative routes you can take.

Here we offer 5 tips for going to college without student loans:

1- Apply for Grants and Scholarships

There are plenty of grants and scholarships that you can apply for if you know where to look. Check with your high school to find out what they have to offer. You also should check with the college you wish to attend to find out about about their scholarship opportunities that they make available to prospective students. You should also look over the Internet at sites that showcase numerous scholarships.

What you may not realize is that there are a great number of scholarships that remain unclaimed every school year. What you also may not know is that not every scholarship is based upon grades and school performance. Some are geared towards achievements, services performed in the community, your culture or your planned course of study.

2- Go to School on a Part-Time Basis

Another option is to work full-time and attend college on a part-time basis. This will take you longer to finish your course of study and graduate but it will make it easier on you in terms of your finances. This is particularly a smart idea for mature adults who have family commitments or those who wish to go to college at a later stage in their life to train for a new career.

3- Consider an Online School

Many online schools offer flexible terms for paying off courses and also allow the student to continue to work a full-time job while they study. Similar in nature to the last point, when you attend an accredited institution that is found online it is often more cost effective and you can work at the pace that is satisfactory and convenient for you. Many schools over the Internet are cheaper than attending traditional institutions in your local town or city.

4- Take as Many Courses as You can Handle

Some students take as few courses a semester as they can. If you are looking to maximize your education dollars then take as many courses as you can handle. The cost of getting a college education is often related to the amount of time you spend studying as opposed to the types of course load you take. The more you can take at once the better. You might even decide to take some classes during the summer semester when tuition costs are generally reduced.

5- Save and Look for Creative Ways to Earn

If you plan early enough (think years!) and can get yourself into a saving mindset then you can begin to plan to apply to a college well in advance of going. In this way you can sock away money on a regular basis. You can also look for creative ways to earn money. Sell items at yard sales or flea markets; sell bake goods; offer services in your neighborhood that can provide a service for others and put some money into your college fund. Examples include dog walking, housesitting, babysitting, mowing lawns, tending garden, raking leaves and shoveling snow.

If you really take the time to research you will discover that you do not have to resort to  expensive student loans that will take you many years to pay back in order to attend a college of choice.  Start looking now!