Ten Ways Anyone Can Go to College With Zero Student Loans
Author: Nick
Category: Money
Topics: education, lending
The average college student will take out more than $20,000 in loans to help finance his or her education. Let that soak in for a minute; then keep reading.
I watch co-workers, friends, and relatives struggle to pay off their loans and think to myself, “Why did they do this to themselves in the first place?” Maybe they thought they had no other choice but to go into serious debt years before they would even make a dime off their college education. Sure, student loans seem innocuous enough–they have low interest rates, and they can help you go to that dream college you otherwise couldn’t afford.
Well, it’s time for America to stop dreaming about putting themselves into more debt and start realizing the truth: There is absolutely no need for anyone to take out a dime in student loans to get a good college education. In fact, the number of ways you can get an inexpensive or free college education are so numerous that anyone can afford to get a degree without even considering going into debt for it.
Ten Ways to Get A Debt-Free College Education
- Do well in high school. You can skip the rest of the list and never have to worry about being able to pay for college if you just follow this one rule. Most people simply don’t make the connection between high school and college. They may be two completely different stages of your life, but how you do in the first directly affects your experience in the second. If you want a free (or nearly free) college education, it’s as simple as starting four years early. Study hard in high school, ignore the temptations of being a wild and crazy teenager, and realize that colleges will give you a full education at little or no cost to you if you simply prove you are worth it in high school. This is what I did, and my college paid me to go to it.
- Find scholarships. Even if you ignored #1, this doesn’t disqualify you from getting your hands on free money for college. There are foundations and colleges just waiting to give you the free money you need to help you get your degree. Thanks to the internet, finding them is as simple as Googling for “scholarships.” Be careful to avoid scholarship scams, but you can do that by simply keeping this in mind: do not pay anyone (not a person, not a book publisher, no one!) to find you scholarships. If they can find them for a fee, you can find them yourself for free.
- Take college classes in high school. Not to sound hypocritical, but high school is a waste of time. There is absolutely no reason for high school to last more than two years, and many students and colleges are starting to realize this. That’s how programs like the Early College Initiative came to be. Through this and other similar programs, you can take some of that time you’d waste in your last couple years of high school and instead use it to take college classes–often for free!
- Take tests, not classes. I don’t like tests, and you probably don’t either. But if you can set aside your dislike of tests for a bit, you can skip dozens of college classes just by taking some simple standardized tests offered by the College Board. At just $60 a test, these College-Level Examination Program (CLEP) exams can help you save thousands of dollars on those pesky general requirement courses. While I haven’t taken any of these myself, folks I’ve talked to who have all agree that CLEP exams are the easiest and cheapest way to take a major chunk out of your college career.
- Have mom and dad pay for it. Beg to them, guilt them into it, or blackmail them with that honeymoon video of theirs you found in the closet. Do whatever it takes to get your parents to pay for your college education. Even if they don’t have the cash on hand, let them take out a loan on their home equity to pay for your education. It’s a far better option for a set of employed parents to take on the debt than it is for someone under 20 who won’t have a comparable job for years to do so.
- Work for it. More and more students are taking part-time jobs to help pay for their college education. The important part of this is not to settle for some pathetic minimum-wage job. Look for higher-paying jobs on campus, or work nights and weekends waiting tables. Just be careful to monitor your work-school-life balance so that you don’t end up flunking your classes. If possible, avoid having to work by choosing another option, or work full-time during the day and take classes on a part-time basis.
- Forget four-year; think two-and-two. Just because you get into a four-year college doesn’t mean you should start in one. In fact, if your high school grades aren’t enough to earn you scholarships to help pay for that four-year college, you should strongly consider getting your first two years done at a community college. Around here, community college classes are easy to transfer to four-year institutions, and they typically cost less than half the equivalent course at a state college. Remember, you’ll still have the same bachelor’s degree in the end, but knocking out the first two years at a community college could save you a year’s worth of four-year-college tuition or more!
- Get done in three years. If you or your parents have enough money to pay for three years of college, then you should strive to finish college in three years. Of course, this means you’ll be taking one or two extra classes each semester, so you shouldn’t think about holding a job at the same time. Since many colleges only charge a flat rate to full-time students, you’re essentially in an all-you-can-eat situation after your first four or five classes each semester. And when you take into consideration the tuition hike you’d see between year one and year four, your savings by skipping that fourth year are even greater!
- Live at home. Unless you’re planning to major in something highly specialized like Forensic Journalism or Fire Eating, try to find a college close to home that has what you want. Then you can cut your college costs in half by living with your parents. Don’t worry about how “uncool” this may seem because I promise you that you’ll think carrying thousands of dollars in debt your first day out of college is even more uncool.
- Be a frugal student. Plenty of students already get through four years of college eating nothing but ramen noodles and M&Ms they find on the ground, but there are plenty of others who load up on another kind of debt–the 20%+ APR credit card kind–living it up on weekends. Forget the dining out and kayaking trips when you’re in college. Save them for when you’ve earned them: after you have your degree in hand and no debt in your pockets.
And some reader contributions…
- Work on your SAT scores. John points out that some colleges will give you an automatic scholarship if you meet their SAT guidelines, and higher scores can mean more automatic money for you.
- Marry a college graduate with no debt. My wife suggested this one. If one person in a marriage is already out of college, has a good job, and managed to get there without carrying any student loans, it should be much easier for the other person to complete his or her college career with a bit of help from the spouse.
- Hit up your employer. How could I forget this obvious one? Thanks to MoneyDummy for reminding me about it. Tuition reimbursement is a more common job perk these days, but be sure to review your employer’s policy since there may be limitations on eligibility.
- Look for family at a college. MoneyDummy also suggests cashing in on spouses or other family who may work at a college. Even non-teaching positions are sometimes eligible for discounts they can pass on to family members.
I left a couple of notable alternatives off the list, but I have good reasons for not including them. Here they are anyway so you can make the decision to use them for yourself.
- AP exams. The College Board’s other big time-saving exam, the Advanced Placement (AP) exams saved me a whole year of college. So if that’s the case, why am I advocating that you not go the AP exam route? Quite simply, they’re often not worth the time and effort. For example, take the AP U.S. History course I took in 10th grade. That course was, without fear of hyperbole, the hardest course anyone will ever take in the history of all education. Sure, every single one of us in my class nailed the AP exam, and I never had to take a history class in college because of it, but I easily spent 600 hours on assignments and studying for that class. Compare that to the U.S. History course my wife just finished taking at a community college. The cost may be very different (currently $82 for an AP exam vs. $300 for the community college class), but she got an A in that class and didn’t spend more than 50 hours in class, working on papers, or studying for the whole semester. Instead of busting your brain taking AP classes in high school, take the regular or honors version of the class and opt for the cheaper and easier CLEP exam instead.
- Military service. You can go to college for free by either attending a military academy or receiving a Reserve Officers Training Corp (ROTC) scholarship. These options may be good for some, but they come with service requirements that can hinder your career goals. Of course, being in the military is an admirable career goal of its own, so don’t let me stop you from pursuing this path.
Do you have another great idea to help students avoid the burden of student loans? Comment on this post or send it to Punny Money.
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45 Responses »
1.
John
May 19th, 2006 at 11:12 am
I’d add “work on your SAT scores” — some colleges have automatic scholarships at certain breakpoints: 1300, 1400, 1500 under the old scale.
I wish I had taken the $800 class to go from 1420 to 1500: I would have gotten $6,000 more a year * 4 years.
2.
MoneyDummy
May 19th, 2006 at 2:23 pm
Normally I agree with everything you say, but your number 1 and 2 suggestions fail Kant’s universal imperative, or at least a practical derivation of it: in short, they wouldn’t work if everybody did them. The whole POINT behind a scholarship is that it’s only available to a select few. Because of this, I think college students should focus more on the things nearer the bottom of your list because those are the things that they can control even if they aren’t naturally more gifted than their classmates.
Plus, I think rushing high school is a bad idea. As much as pfbloggers tend to overlook this aspect of life, high school should be FUN. Finishing in two years is just not a good time. Not to mention that fact that most 18 year olds still aren’t prepared for college. As a college teacher, I cringe at the thought of 16 year-olds in my classroom. (I actually did have one once. It was an unbelievable nightmare. *Money Dummy starts twitching*)
Lastly, I’d add a couple suggestions: Student or spouse should work for the university. A friend of mine just wasn’t college material (not that she wasn’t competent, but she just wasn’t interested) and she worked as a university janitor for a couple of years. Pay was decent, benefits were good, and her husband got free college.
Hit up your employer. More and more employers are offering refunds for tuition and I have friends and a spouse who are/are going to take advantage of these offers. Often, the jobs suck (like call centers) but when you graduate from college debt free, it’ll be worth it.
Lastly, your suggestion of living at home is a great one. My sister, bless her heart, combined all of the above to make a very powerful college wallop. Her grades qualified her for full tuition from the university as well as a state scholarship. She also had a grant, worked, and lived at home.
Let’s just say that she had no problem paying for field trips to Europe.
And to top it off, she was a savvy shopper as well. With all the cash she had saved up, she was able to take advantage of a massive sale in which the university sold off some of its older but still very nice piano.
Gall, that girl’s amazing.
3.
J.D. @ Get Rich Slowly
May 19th, 2006 at 8:18 pm
In some cases your PSAT scores (from the tests junior year) are more important than your SAT scores. Or at least they were twenty years ago, when I took them.
What do I mean?
The National Merit Scholarships are based on how well you do on your PSATs, not on your SATs. If you kick ass on the PSAT, and can back that up with a solid SAT score, you can get *awesome* scholarships. I got a full-ride to an excellent four-year private institution on the strength of my PSAT scores. You can, too.
Also, the PSAT is an excellent trial run for the big test. If you take it, you’ll have a better idea of what to expect the following year.
4.
J.D. @ Get Rich Slowly
May 19th, 2006 at 8:20 pm
p.s. And I graduated from said institution with zero student loans, but the beginning of a credit card problem that I’m only now resolving.
5.
Randy
May 19th, 2006 at 10:23 pm
I think any kid with a sustianed average of 86 or higher in high school, should get a free education.
http://crystalkardinal.blogspot.com/
6.
Brian
May 20th, 2006 at 10:58 am
How about a Harvard education for practically free? Harvard has a tuition assistance program that allows students, on an open enrollment admissions policy, to pay practically nothing for evening classes. For instance, a master’s degree from the Harvard Extension school can cost as little as $400 if you work in their libraries, in research, and so on.
If there’s a college you’d like to attend, check into work programs and tuition assistance. Some colleges might even provide local city and county employees a chance to further education with free classes.
Undergraduates and graduates should ask their college about tuition assistance programs!
7.
Michael
May 22nd, 2006 at 3:48 pm
Just a note - ironically, the combination of items 1&2 don’t work as well as many people would think if you have financially responsible parents. My parents were pretty cheap while we were growing up, and as a result didn’t have any debt beyond their mortgage while I was applying for schools. I had a perfect score on the SAT & straight A’s in high school, but still didn’t qualify for much in the way of free money at “elite” schools. Most the “financial aid packages” that we were offered included my parents taking out a second mortgage and me acquiring almost 6-digits of student loans. I’m sure being a white male didn’t help either, but that’s a different issue. I still ended up with a free education, but at the state school instead of any of the more reputable schools on my list. One thing I would add is that even if you are very good at almost everything in high school, pick something to claim as your passion and be better at it than anyone else. There are a bunch of scholarships targetted at people who appear to be aiming at specializing in a certain field, but not very many for those who are aiming to be well-rounded.
8.
Superdestroyer
May 24th, 2006 at 6:09 am
You also forgot.
1. Decide on a major immediately. It takes longer if you start as an undeclared major and take only the basics.
2. Do no change your major (easier said than done but since most students take longer than four years these days, changing majors and dropping classes contribute to taking longer.
3. Pick a school that offers classes across the day. It makes it easier to fit in the English Lit class if you can take it in the late afternoon or night.
9.
Michael
May 24th, 2006 at 6:55 am
A couple of points:
1. Find the best academic advisor available to you. Bad advising can add a year or two to college.
2. Ignore advice that treats education purely like a commodity. Anyone who would say “Instead of busting your brain taking AP classes in high school, take the regular or honors version of the class and opt for the cheaper and easier CLEP exam instead” doesn’t care about education at all.
10.
bestroi
July 30th, 2006 at 10:35 am
i went to the private college and I started to save for my education when I was 7 (lemonade stand) by my parents’ guidance. I joined my parents on their mutual fund and started to manage my finance during my high school. That finance management experience and 130% ROI got me into MIT. I not only beat the market, also beat my parents’. My parents opened IRA account for me when I was 18. They paid half of my tuition and I paid the other half. I also worked part-time in Boston Banks and the hourly rate is $25.
I think it is important to start finance education at an early age. it will help parents and kids, their academic performance and their career path. Well, the only disadvantage i can think of is to fight for WSJ every morning with you dad……
11.
Lisa
September 27th, 2006 at 8:33 pm
1) Do Career Exploration to decide what type of WORK you want to actually perform when you graduate college. 99% of people completely skip this basic step. Free resources: Occupational Outlook Handbook (on-line & @ libraries), Career Centers (free interest & aptitude testing), O*Net (free on-line - has videos of actual jobs, wages, training requirements, links to job listings, interest testing). Research your local labor market (Do these jobs currently exists? Is there sufficient demand that you could start your own business?) Network & seek informational interviews with people currently doing the work that interests you. Ask lots of questions and send thank-you notes or letters.
2) Obtain an entry-level job directly in or directly related to your occupational interest.
3) Take employer sponsored training.
4) Use tuition re-imbursement.
5) If you discover you don’t like the actual work duties, repeat steps 1-4. Do more career exploration, soul searching & actual work.
6) Over time you will learn about yourself, what you are good at, what you like & don’t like - all invaluable - while earning a degree without student loans or eating Ramen Noodles and M&M’s you find on the ground.
12.
M.J.
November 22nd, 2006 at 6:29 pm
My first year of college was at a 4-year university and i also dormed there, so i took out $5,000 in loans. I worked full-time and was a 14 credit hr full-time student, this was too much of a load for me. I flunked half my classes, of course. This year I attend a junior college near my home, so i can afford it w/o any loans and the classes are easier. Im not currently working because i have no need to work. I wish I could had did this my first year. I would had save soooo much money and time.
13.
ispf
March 18th, 2007 at 11:38 pm
This is a great post! It beat me - fair and square - out of FMF March Madness. If it wasn’t for the loyalty towards my own submission, I would have voted for this one
Good luck through the remaining rounds.
[...] Also, Nick @ Punny Money has a a great article about going to college without taking loans that you may want to check out. [...]
14.
Brian
November 28th, 2007 at 6:13 pm
One thing that no one seems to mention in here is how to get scholarships with a GED or another form of education. Thats where the problem occurs turning you life around if you are a high school grad.
15.
Umang
December 10th, 2007 at 9:57 pm
i would suggest that if you are 18 before graduation try to get a job and pay tax because then you can file for independency so your pretty much saying that your parents are not paying for you and youll get awesome financial aid and maybe even grants
16.
Dontel allen
December 24th, 2007 at 9:37 pm
Hi, my name is Dontel and i’ve been wondering about how hard college might be 4 me but, im also athlete and plans 4 college was 2 master criminal justice class and play football but my goal is 2 really play football and go pro because i have talent.
17.
ada
February 8th, 2008 at 10:30 am
This is the dumbest post ever. 1) How could you put ‘have your parents pay’? Wow. That’s so out of the question, that’s not even funny. I can’t believe that would be listed as a way to ‘get a debt free college education’. I don’t need anyone else paying for my college; I can do it on my own. 2) I was valedictorian of my class, took and pass every AP exam possible, had a 1500 SAT, graduated in 3 years, was awarded many, many scholarships, worked all through college and the summers, and lived off of Ramen and Easy Mac. And what do you know - I still came out with college debt. This post is ridiculous and a joke to those of us that can’t have our parents pay for college and work our butts off for the first 18 years of our life.
18.
Chris
April 28th, 2008 at 9:12 am
Community College rocks, my TOTAL tuition for one semester at CC, is now what I pay for one class at my four-year.
19.
Devante Dugas
April 28th, 2008 at 9:47 am
I’m a great athlete but my grades are passing but they’re below average and i don’t know how i will get to college.
20.
Joe
May 11th, 2008 at 9:02 pm
To save money, go to an inexpensive college. Either one where you get in-state tuition or one like these seven, which have cheap room and board and cheap tuition whether you are in state or out of state.
Univ. of Arkansas–Monticello
Oklahoma Panhandle State Univ.
Eastern Oregon University
Southeastern Oklahoma State U.
Northern State University (SD)
Southwest MN State Univ (MN)
Bemidji State University (MN)
21.
Career Aptitude Test
September 1st, 2008 at 10:08 am
This is great, but I just don’t see how it can work for everyone - there are extreme circumstances to all situations, and I don’t think something like this could be easily cross applied to all.
22.
2004 Graduate in Debt
September 9th, 2008 at 11:04 am
I graduated in 2004 with $45,000 in debt because I went to a Private School. It took me 5 years to graduate but I didn’t work ONE TIME during that 5 years at a job. I spent all my time living the GOOD LIFE and loving it. I even met my wife thanks to my easy going lifestyle in college and we are still happily married now 4 years later.
Life is about being happy and having fun. If your not having fun your wasting your life.
I borrowed the MAX amount on my stafford loans so I could get between $2500 - $3000 in a refund check from the financial aid office the 2nd week of each semester. It was GREAT and the fact I owe $45,000 is perfectly find with me.
Many people tried to tell me “oh why are you borrowing so much money?” The answer is… Because I want to LIVE MY LIFE and ENJOY IT. Not be a cheapscate penny pencing bastartd who doesn’t know how to have a good time. My wife would agree!!
Besides, I consolidated my loans right after I graduated and got a 2.875% interest rate. My payments are ONLY 220 a month!! I can easily pay that and my debt was WELL worth it!!
23.
Cesar Barriga
October 26th, 2008 at 1:19 am
My goal is to graduate with a 4 year bachelors degree, and 20K in the bank. Hard ? Very, but I’m half way there. This december I will complete two years of college and will have 10K in the bank. I personally do not recommend this to anyone who is below 20 years of age and financially independent. It takes a lot of sacrifice. The secret in accomplishing it is not letting it to be a torture. Look at it as a game. Oh and to all those who were asking my age, well, I’m 20, and yes I live alone.
24.
Online Brand Protection
November 12th, 2008 at 11:47 am
College is seeming to get more and more expensive as well. Great tips especially when the credit markets for loans could dry up and possibly not as many students could get the loans.
25.
College Savings 529 Plan
May 15th, 2009 at 2:16 am
I lived in a country where there is no such thing as student loan for their college education. That is the reason why, students here sometimes do part time work in the evening or vacant hours during non-class hours just to be able to pay for their tuition fees.
26.
Student Loans
May 17th, 2009 at 2:18 pm
There have been a TON of excellent points in both the article and in the responses. However, not EVERY single person can get a scholarship. Student loans are a necessity and will always be needed. There are a number of people who do really well in high school and still need to get student loans.
27.
CollegeTreasure
May 21st, 2009 at 9:07 pm
Great post and I especially enjoyed the comments from MoneyDummy. I think High School is an important part of the developmental process and that nowadays people are so focused on getting in to college and the college experience that we are losing the high school experience. That being said, you hit the nail on the head when you say not enough students work hard enough in high school. Getting a good GPA and good test scores is the surest way to win a college scholarship. It is only a small percentage of high school athletes who get a college scholarship.
28.
Connecticut Mortgage
May 22nd, 2009 at 6:00 pm
We are all experiencing recession nowadays. This post provide information about attending school without paying student loan. For sure, many students wants to know about this information. Hopefully, they can have the chance to read this. I also need to admit that your tips are easy to follow. Thanks for sharing this!
29.
Cathy
June 2nd, 2009 at 12:33 am
Well I think the best way to remain loan free is to work part time.
30.
Arthur
June 2nd, 2009 at 8:00 am
informative post.
This points are of great help to me.
I will again visit your blog so keep posting.
Thanks
31.
Loans for People Bad Credit
June 8th, 2009 at 5:03 pm
If you have poor or no credit history, or your credit record is not good, your loan may well be approved, but the lending rate will knock your socks off. Be sure to read the fine print before you apply for any credit or credit card.
32.
Instatn approval credit cards
June 24th, 2009 at 4:59 am
thanks for sharing this one! its a great post very informative! cheers!
33.
Wendy Hall
June 30th, 2009 at 5:47 am
In reference to your point of hitting up your parents for cash, look into the option of a Parent Loans for Undergraduate Students (PLUS). While the repayment structure on this type of loan is extremely stringent, parents can also borrow up to the total cost of four years of college helping matters considerably. This I found out from the financial aid for college department at my college – CollegeAmerica. I would recommend any student looking for financial assistance to speak to their aids officer first. It saved a whole lot of precious time – and money!
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