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College Tuition: Your Options For Getting Through School

Paying for a college education is not a cheap expense. It will obviously be cheaper to attend a community college as oppose to a major university; however, in either case it can still be quite costly.

Most people who are considering obtaining higher education are not aware of what their options are as far as college tuition is concerned. What I have done here is constructed a brief overview of what the traditional options are.

� Pay Upfront

This is the most obvious option available. If you can afford to cover all of the costs incurred to enroll in classes and purchase the books then this would be your best bet. This will allow you to avoid accumulating debt or going through the hassle of trying to establish financial aid.

� Financial Aid

Many states have a very large pool of financial aid options available to prospective students. Next to paying up front, receiving financial aid is the most favorable option. This option allows you to take advantage of programs that have been put in place to help students that cannot afford to high costs associated with college tuition. It also enables you to avoid incurring debt.

� Student Loans

This option is probably the most popular (regrettably) among young college students. Let�s have a quick look at the pros and cons of student loans.

Student loans are easily obtainable. Most financial institutions offer these types of loans very freely. The issue is that most young students do not realize the implications of accumulating debt. Often times, being young and optimistic, students will take out more than need which causes them to accumulate a giant pile of debt which will leave them digging themselves out of a whole when they graduate.

However, if you use discretionary judgment and consult with well intentioned professionals, you can use student loans for college tuition to your advantage without getting in over your head.

The Verdict

So, the conclusion that has been extracted here is that attending college IS possible for anyone. The most financially beneficial way to do this to pay for your admittance outright; however, if you cannot do this, there are alternatives available that will suite all of your needs.

The most important thing to remember is that if you are to take out loans to pay for your schooling, you WILL have to pay them back after your graduation. The last thing that you want to do is spend 4 + years in school only to graduate and then have to work off a large sum of college tuition debt.

The best thing to do is to pay for what you can and take out minimal loans to cover only what you absolutely need. You may have to scrape by while in school, however, your willingness to live simply will pay you great dividends in the future. Subsidized loans can help and so can a job while in school. This is why internships can have such great rewards, if they are paid, because students can make money while learning about a certain field and really prepare themselves for the �real world� while they are still in school.

Submitted by:

Rose Ybarra

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