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

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June 8th, 2009 at 5:03 pm

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June 24th, 2009 at 4:59 am

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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!

34.

Lawsuit Loans
July 10th, 2009 at 1:42 pm

Great advice! I have to agree, if someone simply takes the time out to look for opportunities to save money for college, the opportunities are all around us.

35.

Stephen
December 23rd, 2009 at 12:49 am

I’m a 44 year old learning-disabled man. I’ve been seeking to further my education for many a year now, but every time I go back, I suffer from the same old setbacks: math difficulties (especially algebra), trouble with focusing, organizational issues, and some attention deficit related matters.

I have not been able to find any decent sources at any college or technical school that I have attended in the last fifteen years, and, quite frankly, I’m beginning to think that it’s impossible for me to get an education.

I’m married now, and I need to find a career soon. I’m aware of every scam out there, so I’m not easily swayed when something even potentially good may come in my direction. I have had too many years of continual failure to believe otherwise, so something that appears out of the blue has to prove itself–and that’s not easy with me. I’ve been around the block a time or two.

Now, that said, I do believe that something good ‘can’ happen, but I need to have some requirements met before I do anything. Here are some of the requirements, all of which are flexible:

1. I must be able to either pay for it myself out of my own pocket or incur some type of assistance, be it scholarship (unlikely), or some type of work-in-exchange-for-classes type of thing.

2. No Loans! (This is the only inflexible one.)

3. I have to have some type of advocate who can protect my disability and civil rights, keep those involved in the educational and financial backing of the schooling out of my personal psychological life (I need school, not head-shrinking), and, above all, help keep me on track so I don’t self-defeat.

3a. The above is a full-time commitment to my success on the part of the advocate-in-question; a college possessing a ‘learning lab,’ with tutoring is not enough for me, I need more extensive and intensive assistance.

4. I am on Social Security Disability (SSDI), but it isn’t enough to do everything I need on a daily basis. Some type of home-based computer work (remote desktop, etc.), or a stipend while I’m attending school would be helpful.

5. Access to real-time, community-based service groups for humanitarian involvement wouldn’t hurt. I’ve always liked to ‘help people’ (this is different for everybody), and I enjoy working with those from the local community wherever I happen to be going to school. This also helps to build character, and provides a good reference to other people, such as employers, local political leaders, state agency representatives (disability services as one example), and medical staff.

6. Seminars and Symposium Attendance Opportunities: Although I have not really been involved in this sort of thing in recent years, as I’ve aged, I am realizing just how much of a recluse I’ve been, and would like to be able–at a certain point in time–to share in my chosen field with others, whatever that field may end up being.

7. The end-result must have academic merit and hold immediate recognition: This means simply that any program I enter must be at least Regionally Accredited, and not merely hold a National (USA) Accreditation. This means I have to have ‘real college credit,’ for lack of a better term. Non-traditional shouldn’t have to mean ‘lack-of-credentials,’ and I’ve been exposed to that enough already.

Well, that’s it. Perhaps somebody can comment on my blog site. I’ll make a post after this where people can comment.

Thanks for reading.
Warm Regards,
Stephen

Those are some of my

36.

student loans without cosigner
April 1st, 2010 at 2:55 pm

Remember that you can’t have your student loans discharged during a bankruptcy proceeding, and that essentially means you’re going to have to pay them back no matter what.

37.

student loans no cosigner
April 1st, 2010 at 3:23 pm

I tried getting my student loans eliminated via bankruptcy, but you have to prove that they would create an undue hardship for you, and I therefore had no luck.

38.

Summit
April 9th, 2010 at 3:47 am

After college, i was broke to say the least. I also agree with you Randy anyone with an average of over 86% should be given a free education. Back then i didnt even know what a scholarship was

39.

Fashion watch
April 19th, 2010 at 10:29 pm

In reference to your point of hitting up your parents for cash, look into the option of a Parent Loans for Undergraduate Students (PLUS)

40.

Fashion watch
April 19th, 2010 at 10:36 pm

I think any kid with a sustianed average of 86 or higher in high school, should get a free education.

41.

kinozalov
April 27th, 2010 at 1:42 am

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42.

Next day Loans
April 27th, 2010 at 9:01 am

Even i faced many difficulties in acquiring student loan for my graduation. I think there should be some ease policies and payment system that can help many students in their studies.

43.

forusd
April 27th, 2010 at 11:06 am

Thanks for the article, very good

44.

Student Loans
May 12th, 2010 at 9:37 pm

I think going to school with no loans is something every one should shoot for or at the least pick a major that will cover the cost of your loans. There is no reason you should rack up 100k in debt for a job that pays 30k.

45.

Megan Thomas
May 17th, 2010 at 1:11 pm

This is a fantastic and very informative article. I especially like #2. There are alot of single moms out there that would love to go back to college, but fate has delt them a bad hand. Fortunately, there is an ample supply of free grant programs and scholarships for moms going back to college that they can take advantage of. If you’re a single mom in this type of situation, you should check them out.

46.

Scholarship For Mom Going Back To College
May 17th, 2010 at 1:14 pm

This is a fantastic and very informative article. I especially like #2. There are alot of single moms out there that would love to go back to college, but fate has delt them a bad hand. Fortunately, there is an ample supply of free grant programs and scholarships for moms going back to college that they can take advantage of. If you’re a single mom in this type of situation, you should check them out.

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June 11th, 2010 at 2:00 am

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chelsey
June 24th, 2010 at 10:24 am

Make sure you fill out the fafsa. most colleges require the form for financial aid but it can also qualify you for government grants such as the pell grant that does not have to be repaid.

50.

Torie
June 28th, 2010 at 2:50 pm

Hi! A great place I’ve found to sign up for a scholarship is http://www.anycollege.com/ It also helped me to find a college….

51.

Aqeel
July 4th, 2010 at 4:06 pm

Some very useful tips for a Debt-Free College Education.

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July 14th, 2010 at 2:43 pm

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July 22nd, 2010 at 12:46 am

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54.

Student Loan Without Cosigner
July 24th, 2010 at 5:11 am

It has been a long time I have read something informative not just junk. Keep doing this good work.

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FAFSA
July 26th, 2010 at 6:29 am

I do agree with all the ideas you have presented in your post. They are very convincing and will definitely work.

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August 5th, 2010 at 3:46 am

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August 9th, 2010 at 8:21 am

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58.

Ed
August 26th, 2010 at 10:36 am

Many thanks for a well written article. I happen to agree with most of the points above. Now a days students are coming out school with more and more debt, which is why so many of them are seeking alternative ways to pay for school. A lot of sites are now offering scholarships to help ease the burden of this debt. I came across one the other day http://www.anycollege.com.cfm that offers several free scholarships throughout the year. Definitely with the look.

Thanks again for your insights.

-Ed

59.

Eleazar | Best Ways to Invest Money in the Philippines
September 7th, 2010 at 11:40 am

Getting full scholarships with living and board and lodging allowances is the best option. Here in the Philippines, many poor but bright Filipinos study college through scholarships. Filipino college students looking for college scholarships can find free scholarhips in this site: http://scholarshipgrantsonline.org

60.

Jack Heskett
September 9th, 2010 at 4:23 pm

Right not sure if anyone has mentioned this yet due to the massive replies to this article. But one important factor that can help you get through college with a limited spending budget is that of NETWORKING.
This is underrated as networking can provide you with offers and doors into places you could have not imagined, the people you meet can lead to improved resumes/CVs, better knowledge of subjects, discounts in places, help with fees i.e. scholarships, apprenticeships and in the end will lead to you getting to a place in life you want be at by the end.

61.

Summerslam
September 15th, 2010 at 5:36 am

Very informative blog post here.

62.

anita
September 17th, 2010 at 1:20 pm

BE REALISTIC!!!!

I have not had parents since I was 6 and went to a private school for 3 years on and off and I have more than 25,000 out. ( Apparently the government only helps poor people in NON-PRIVATE schools) #1 I don’t have parents so I cannot live with anyone for free. #2 I am pro-life so I had my daughter and went back to school and recieve no child support. #4 I transferred to a state school and now that I’ve been in school for 8 full-time semesters I do NOT qualify for child care GRANT (those are the rules!) #5 I’ve applied to so many scholarships and the few that I did get went straight to paying bills. This year has been the worst I haven’t gotten a single scholarship.
THEREFORE THERE IS NO WAY TO GO TO COLLEGE FOR FREE! BY THE TIME I GRADUATE I WILL HAVE ACCUMULATED 33.000 OUT IN DEBT FOR SURVIVAL!!! WITHIN 10 YEAR THAT WILL BE 43,000 in debt on top of debt I’ve already accumulated. I AM BETTER OFF DEAD! I am 23 and still no success at managing finance and never will.

63.

Charlie College
October 12th, 2010 at 1:46 pm

“Take college classes in high school.” – Good Tip. I recall going to college and thinking to myself; these classes aren’t that hard, and these people aren’t that much smarter that I was a year or two ago. I should have just taken college classes in high school. You can also consider online colleges which would save you on transportation, moving and a host of other expenses.

64.

Best Ways to Invest Money
October 13th, 2010 at 1:30 am

If scholarships application is denied, scholar wannabe should not lose hope. He can still study his desired course by applying to become a working student or a striver of the college or university he is enrolled.

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November 1st, 2010 at 4:54 am

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Olivia Unise
November 11th, 2010 at 10:01 am

Since almost everything gets expensive especially getting an education, and graduate degree seems a luxury already, taking classes through online universities is a great idea to save on education expenses. There are universities that have been accredited to give online degrees in order to accommodate those financially challenged individuals.

69.

Olive Sommers
November 14th, 2010 at 1:36 pm

It seems that we are now trying to set up every possible means of saving, we cut cost in everything that we can do. But let’s not take education for granted, there are online schools that provide more affordable education. And we could take a look on its advantages.

70.

sohbetci
November 16th, 2010 at 1:33 pm

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71.

Chariz@Online Schools
November 21st, 2010 at 3:17 am

Increasing price for education cost is inevitable, that’s why, we do everything that we can just to be able to send our kids to school. Good thing that are some online schools, who are now offering higher degree for busy professionals or home-based workers.

72.

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November 25th, 2010 at 5:45 am

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November 30th, 2010 at 1:17 am

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December 20th, 2010 at 9:57 am

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Good Tip. I recall going to college and thinking to myself; these classes aren’t that hard, and these people aren’t that much smarter that I was a year or two ago maxidus

80.

Cardinal
December 28th, 2010 at 8:09 pm

I am quite happy that there are accelerated online degree programs available. These online programs are usually more affordable than regular campus classes.

81.

Melissa
December 30th, 2010 at 3:01 am

I graduated from college in 2008 with a major in accounting. Of course college for me was a total of five years. I first attended a community college and then moved on to a university. The first two years I had financial aid and it help very much, however, I also started working a part-time job. I was able to save enough money to give myself a head start once I was transferring to the university. Once at the university I was not granted anymore financial aid since my single mother made a bit over the maximum amount. I was always afraid of taking out a loan and well decided to see how far my initial savings would take me. To my surprise I was able to graduate from college debt free with the exception of my credit card which was soon paid off. College could be affordable if you are realistic with your expenses. I wanted to move out but realized I would not be able to make it on my own so I decided to stay local and complete my education and still keep my part-time job that I was fortunate to have until I finished school. You need to be discipline and patient with money. Of course I was broke almost all the time but as long as I was able to pay for my education was all that matters. Best luck to those who are struggling in this economy. Never regret getting an education. Remember, time is money. If you could save bits here and there it will add up in the end. The sooner you start, the better financial cushion you will have in the future.

82.

professional research paper writers
January 11th, 2011 at 6:02 pm

Some of the ways you mentioned, like ‘Have mom and dad pay for it’ don’t sound so good, but the others, like finding a scholarship or studying good at high school really are interesting.

83.

Patrick
January 20th, 2011 at 5:03 pm

Try this idea…
Get a full-time job with the college that you’re attending. As a state employee for a period of 6 months, full-time, most states will cover up to 9 hours of tuition and fees. Tuition assistance programs are everywhere, this is just one of them.

84.

Anna Dunkan
February 8th, 2011 at 8:03 am

Well, it would be really great if all the people will be able to avoid taking student loans to get higher education, however, I don’t think that it is possible. Of course, it is important to study well at school, though, it doesn’t guarantee free tuition. In fact, most of people are made to obtain these specific cash advance loans provided for students as education is really expensive and it’s hard to manage the tuition financing without additional financial support. However, the tips are really valuable and it is always worth trying.

85.

Torna
February 11th, 2011 at 8:41 pm

Thanks for admin.nice sharing.very nice…

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February 12th, 2011 at 4:17 pm

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Love
February 15th, 2011 at 8:28 pm

This program might be one more clone of any other program. What with all the cloned evaluations of the course I’m wondering if any of the testers have even taken the course.

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Kobe Thomas
February 15th, 2011 at 11:35 pm

Some students encounter a lot of unexpected financial problems when enrolled in college, some of them could not help but file for another loan.There are a number of financing institutions that extend help to those students who aspire to go to college, but just do not have enough funds for it. College education has always been of great importance towards finding a well paying profession.wordpress seo plugins

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ivy league admissions
March 8th, 2011 at 2:15 pm

Well.. I went to college on student loans.. I don’t know how I would have survived without the loans.. But I went to Harvard so, expenses were high

Speaking of harvard, I wrote an article here on how to get into harvard:
http://www.ivyleagueadmissions.org/ivy-league-admissions/how-to-secure-your-admission-to-harvard/

Cheers.

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March 25th, 2011 at 10:54 pm

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91.

Retarded
March 30th, 2011 at 12:45 am

This is not an informed article. There are many people who are struggling to get a college education after the American public school system has let them down. SOLs are killing our children and preventing teachers from teaching the right material. Kids nowadays get to college and are dumbfounded about how to make good grades. We no longer live in a time when mommy and daddy can pay for their kid’s education. Obama is cutting financial aid as we speak. Have any of you heard about the hollowing of the American middle class. I’m pretty sure most of you have not. I’m a sociology major and I’m struggling to survive. Argue me any different. This article is nonsense. Doing well in high school is a fluke. SOLs do not prove intelligence and should not by any rational standard. Not to mention it is racially based to lower the bar to make the American school system look better in the international community. Finding scholarships are simply not that easy. Most colleges do not except high school credits unless it is from a community college. Outside of a structured classroom environment, CLEP tests are not an alternative for most people. Mom and dad for the most part in this country, simply cannot afford to support their kids in college anymore. We are not living in the 1950s people. The middle class simply does not have that kind of wealth anymore. Much less to even call itself the middle class. It is the working class, upper middle class and the upper class that exist now. Nothing else! I will say the 2 and 2 has some merit. It is cheaper to go to CC and then finish the last 2 years off at a University. Also living at home is simply not an option for most students and being frugal isn’t either. Everything is becoming more expensive. Food prices are going through the roof and frankly mom and dad don’t want their kids at home anymore. It is quite simply too expensive. You people are living in the stone age of the 1950′s. God damn did you all come out of a Leave it to Beaver episode.

92.

sarah
March 30th, 2011 at 2:08 pm

the problem i have had is that when i apply for my fafsa, i am unable to file independantly. i called a representative to ask why that is and i was told that if you are younger that 23, you dont have a child or dependant that requires half of your income, your parents are still alive, or you have not been emanicpated by the state, then you are unable to file as an independant. To me that isn’t fair. not a single family member of mine lives in the same state that i do. i love off campus with my fiance, i pay all the same bills that someone out of college does and i work whenever i am not in school. i pay taxes of course and i dont get any help paying for school from any family member. so having to bug my parents every year to have them fill out their tax information on my fafsa is just a pain. why should my financial aid have to be based on their income in my situation. i am sure there are plenty of other people in a similar situation. the economy is getting so bad though that i am considering having me and my fiance move in with my mom and going to school there because tuition here is raising 33% because they built new dorms and are using students tuition money to cover some of the costs, they are also cuttting down on staff and faculty. assimilating all the class times into one time. so instead of being able to take a class at either 8 9 11 or 3 you can now only take it at 3 or something like that. they are even cutting down half of the nursing program and putting close to 200 students in some classes, whereas originally classroom sizes were only 30-40 students.

oh and most schools have placement tests that you can take when you first start school there. they have them scheduled and all you ahve to do is sign up and show up on the day of the test. if you pass the minimum requirement then you dont have to take any classes in that subject. unless your major requires it. but even if your major does require classes within that subject you wont have to take the entry course you can just skip that to a higher level course.

93.

Cardinal
April 1st, 2011 at 4:21 am

This was really interesting reading. You touched on some very importanat areas for traditional college students to consider. To add to some of your points, some students should also consider taking distance learning courses. These programs have many additional options as well.

94.

Korie Mulholland
April 4th, 2011 at 4:42 pm

I have done all of these, and I still have to pay for college.

1. I did well in high school. I took honors classes and was in the top 13% of my graduating class.

2. I went to community college. I paid for the first semester, then joined the speech team and got a scholarship for the rest of the years.

3. After graduating community college, I am now attending a University. I got a scholarship. It is 2 miles from my home. Other universities are a 90 minute drive. It is a private university, but because I can live at home and got a scholarship, I pay less than I would at a state school. I live in Illinois, where the cheapest state schools cost 12,000-16,000 per year.

4. I have worked 20-40 hours a week since I was in high school (more in the summer, of course). I make 9.85 per hour at a coffee shop. A low stress job that can accommodate an always changing schedule with school can be hard to find, and I think I’m making enough.

5. Between having to buy a car, ($3000), paying for car maintenance, and helping my parents with bills, and living frugally (I seldom eat out, and my social activities consist of game/movie nights at people’s houses and things like that….), I still have not been able to save money.

THE END RESULT: I still have to get student loans. My parents make $30,000-40,000 a year. With FAFSA, my scholarships, etc, I have to pay $6000 a year, and take out $7500 a year in loans.
I COULD pay the $7500 in cash…… but where am I supposed to get that?!

95.

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April 5th, 2011 at 1:35 am

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George
April 12th, 2011 at 10:27 pm

Great article! I personally, am an accountant and found great tips in here for even myself. One thing you could do is try doing a consultation with an accountant and finding different ways around what you need to. Good luck!

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April 27th, 2011 at 3:37 am

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May 14th, 2011 at 4:11 am

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Word Templates
May 19th, 2011 at 9:14 am

It is the post that I was looking for days. I wasn’t sure when i was reading your post. But in fact this is the post that I was search all over the internet.

102.

Zak
May 24th, 2011 at 1:03 am

No matter what you do, it all comes down to discipline. It’s much harder as you go down the road, but if you stay focused on what matters, it’s much easier to stay debt free.

103.

Nico
May 26th, 2011 at 12:34 pm

Great advice! And all in all, it’s all about knowing what you want, planning and discipline! The best is to be aware of the potential of debt making, and just avoid it!

104.

Olive Sommers@Online Schools
June 10th, 2011 at 11:54 pm

Online schools are an excellent and cost effective way to get an education. They are not only cheaper but you save on traveling and housing costs.

105.

Olivia Unise@Online Universities
June 11th, 2011 at 11:35 pm

That is true you will save on housing and traveling costs. I would advise anyone going to enroll in an online course or school to make sure there accredited and legitimate. There is a rise of scam schools if you will on the net that are totally bogus and not legitimate.

106.

eSAT Prep Tips
June 12th, 2011 at 12:48 pm

It was extremely interesting to me (in a kind of shocking way) to get my first full-time job after college and realize just how much $20,000 is (the AVERAGE student loan debt for a US College Graduate) when you start sweating to earn your paycheck.

One of my problems was I just didn’t understand the value of money, being given so much by my upper-middle-class parents. It was incredibly generous of them but NOT wise as all the comfort and convenience led to me being in a tight situation now that I have a self-indulgent liberal arts degree that makes me unemployable.

It’s fine for me, because I have an entreprenurial personality and I wouldn’t be happy in a corporate job anyway. So, I started a local SAT tutoring business and my own SAT prep website. So I don’t think my so-called “useless” degree really will make a difference… but I could have gotten started on this path years earlier, and I’d be WAY ahead of where I am now.

One recommendation – for non-technical majors that can’t find the “big money” jobs, consider working as an AmeriCorps member. Although the program is in a state of flux right now, you can earn something like $5500 towards education expenses after about 9-10 months of service (at minimum wage, or thereabouts).

AmeriCorps was my “panic” job right out of college, and the great thing was that I couldn’t squander that education award on impulse purchases, rent, or food – it HAS to go to education, which meant that even as a no-money-management-skills graduate, I knocked almost 1/3 of my loans out in my first two years after graduation (counting regular payments).

Also, they have a loan deferment program, and usually the interest that accumulates during your term of service is payed by a national organization. All this came in handy, personally.

Total change of subject – whoever said great SAT scores can help was right; get an elite score and you’ll have many more financial aid and grant options.

So, here’s a link to an article I wrote: “How to get a perfect score on the SAT” Check around my site for more great SAT prep advice that can help lower your eventual student loan burden!

107.

Christian Ellsworth
June 15th, 2011 at 12:53 am

Great article. You point out a lot of great ideas for raising money for college. I’m compiling lists of all the scholarships I find so that Students can find scholarships online. Visit my website Random Scholarships.

108.

Dan
June 15th, 2011 at 10:53 am

I wish I would have found this site 10 years ago when I decided to go to law school. Instead I just borrowed all the money for my masters and J.D. Now my monthly student loan payment is $1,976 for thirty years. I did the income based repayment and that is how it dropped from $2,319.

This site really has valuable information. Thanks for sharing.

109.

neil martin
June 18th, 2011 at 7:40 am

I agree with you. Getting a good education at an early age is vital!. This is why as parents we need to make sure our children are receptive to learning and are hitting all targets.

110.

Charles
June 22nd, 2011 at 2:41 am

Great tips on reducing your student loans! But one option that hasn’t been mentioned is distance learning. An online education is significantly cheaper because you can hold down a full-time job while you get your degree, you don’t have to worry about relocation costs, and since the fees don’t include infrastructure facilities, they are likely to be significantly lower. So those looking to save tuition money should definitely look into online degree programs from accredited colleges.
Reference: http://www.independence.edu/locations/online/our-programs

111.

John
July 4th, 2011 at 3:23 pm

Don’t forget:

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.

Also try not to Default on Student Loans

112.

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July 5th, 2011 at 8:38 am

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113.

Elle
July 10th, 2011 at 12:30 am

Have mom and dad pay for it… guilty them into it. Blackmail them into it. Why should mom and dad put themselves in financial hock for your education? I didn’t pay a dime for college– I earned it. US Navy. There’s another way to go– never expected my parents to mortgage their retirement for my education…. and would NEVER guilt them into anything.

114.

rhinoplasty
July 12th, 2011 at 8:25 am

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مسلسل فرصه ثانيه
July 29th, 2011 at 9:02 am

Great advice! I have to agree, if someone simply takes the time out to look for opportunities to save money for college, the opportunities are all around us.

118.

G
July 29th, 2011 at 12:02 pm

The person who wrote this article is a fucking idiot. most of what is said is pretty unrealistic… i.e. highschool is important for your college future when they’re almost 2 different worlds, marry someone who has a degree so they can sport you through college. When the writter said theyve never attended college…well thats fucking obvious. I’ve got an associates and trying to go about loans and going further, i googled “getting loans for college” and this fucking waste of time pulled up. Thank you and go fuck yourself.

119.

Student Loans Without Cosigner
August 2nd, 2011 at 4:08 pm

Excellent writing, but students with little or no history of credit usually find it difficult to qualify for student loans without cosigner.

120.

Mom
August 3rd, 2011 at 4:37 am

Let’s hear from the adults who can manage to speak in an articulate, mature adult manner. Reading comments riddled with f__ this and f___ that is offensive in it’s disrespect and a waste of time overall. Consider deleting these so we can see more from those who actually have something intelligent and well thought out to say. Thanks!

121.

Higher Education Software
August 10th, 2011 at 1:14 pm

To add to the first commenters point… Keep your GPA up to renew your entrance scholarship! If you are interested in more higher education accessibility there is a great scholarship available here: http://www.destinysolutions.com/company-2/scholarship/

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August 17th, 2011 at 5:39 am

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Marilyn
August 29th, 2011 at 9:26 pm

My daughter did great on her PSATs and all the colleges were emailing like crazy. Did poor on SAT – hardly any were emailing.

Will be taking ACT soon. Someone on this board mentioned that they got a full-ride on their PSATs alone. ? How? Again, she did great on those!

124.

Marilyn
August 29th, 2011 at 9:32 pm

J.D. @ get rich slowly – She took them her Freshman year.

Guys – I don’t know what to do. We were stupid parents who saved no money for College – I didn’t work for five years – in debt and now this? Even if we weren’t in debt – how does ANYONE pay for college anymore! NEED help please.
I wake up panicked every morning.

125.

Marilyn
August 29th, 2011 at 9:43 pm

Well J.D. was on this board in 2006 – so will probably not respond. Anyone else have words of wisdom???

126.

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August 31st, 2011 at 5:25 am

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jocu-RI cu Masini
September 3rd, 2011 at 12:52 pm

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September 3rd, 2011 at 12:55 pm

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jocu-RI cu Masini
October 2nd, 2011 at 8:35 am

I like to read your posts because of those great pictures you draw

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October 2nd, 2011 at 8:37 am

I can’t stop laughing at your great jokes man and your drawings are awesome too

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Sam
October 7th, 2011 at 7:19 pm

If you have already completed your military service, there are many education for the army scholarships available to you. Some of them even apply to your spouse or children as well.

Make sure to look those up if you think you or your family members might be eligible.

134.

شات
October 7th, 2011 at 7:32 pm

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October 7th, 2011 at 7:33 pm

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October 8th, 2011 at 3:21 pm

Hey its good to see sound and solid information being passed on the internet these days! Getting a 3000 loan for college is one thing, but managing your own finances is the best thing you could do for yourself. thanks!
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October 26th, 2011 at 10:27 am

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Laura
October 28th, 2011 at 2:08 am

Loan is like a blood virus that sucks our blood for the rest of our lives. Education is important, no doubt about that but the problem is paying of the debt. Helpful tips Nick. I will surely tell other about this. Thanks

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Maggie
October 30th, 2011 at 7:36 am

As with all examination and tests, preperation is the key this goes for the above mentione ISEE test also.

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jocu-RI cu Masini
November 1st, 2011 at 10:48 am

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jocu-RI cu Masini
November 1st, 2011 at 10:54 am

It’s sad and funny how you can present real problems with such easy and in such a funny way

142.

Student loans without cosigner
November 11th, 2011 at 9:15 am

Students with little or no history of credit usually find it difficult to qualify for student loans without cosigner. A creditworthy cosigner is necessary to guarantee the loan will be paid, even if the student don’t have the ability to pay the loan, which they are assuming is true. Lenders have tight criteria for approving credit to begin with.
Student loans without cosigner

143.

petra jordan
November 14th, 2011 at 7:49 am

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.

144.

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November 15th, 2011 at 5:03 pm

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November 17th, 2011 at 1:53 am

I agree with this post but i gives some suggestion .
In my opinion,
if any student want to do the business course, first they are search all the details of their collage. They are also search the facility of the collage. I know that some collage gives the many facility but some collage are not to do so.

thanks for sharing !!

146.

rnbdjil
November 29th, 2011 at 9:17 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.

147.

Stephanie Watson
December 4th, 2011 at 4:27 pm

This is a great school, less expensive and fully accredited. Students can go online and work full time, no debt no loan, and just pay 2 x a year a set fee and take as many classes as you want to get done faster.

http://www.wgu.edu

Western Governors University.

I WISH I had known about this sooner as I have 75K of student loan debt, and run my own business out of my house because I can’t find a job.

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December 24th, 2011 at 10:27 am

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149.

Avers
December 28th, 2011 at 8:13 pm

Let’s really look at this realistically using my own example:

Total cost: 32,000 (which is not much more than the state schools in my state).

Subtract scholarships: 27,000
Rent difference: 21,000

1. Do well in high school: check. 3.9 GPA
2. Find scholarships: check…kinda. I recieved three (small <1000 dollars) scholarships from my community and 3500 a semester in scholarship.
3. Take college classes in high school: check. I took three college classes in high school. Guess what? Most don't transfer because the high school teachers are not certified to teach 4 year transferrable courses. I took 12 credit hours, none of which transfered.
4. Take placement exams: check. I placed into my last mathematics course. Not a very big deal when colleges will NOT allow you to get out of courses within your major, which takes most of the time.
5. Work for it: Really? We'll talk about this later, after I've calmed down.
6. Mom and Dad: Really? Let's not dignify this with a response. My parents had three kids. My father was disabled at work. His employer fought him in court for 7 years while medical bills piled up. Do not insult us with this. If our parents could pay for it, don't you think they would?
7. Two and two: most colleges now will not allow you to transfer courses into your major. I did the two and two thing. Guess what? None of the five institutions I applied to would accept anything from within my major. Did that save me money? No.
8. Get done in three: Ok. Let's think this through. Graduating credits are usually around 120. Divide by 6 (semesters). That's 20 credit hours a semester. Most colleges cap it at 18 a semester. Now factor in course offerings and lab hours (which don't count toward semester hours). This is simply not possible without bringing mulitple hours in from high school. I've already discussed that.
9. Live at home: yes! Do this! Good call…now find me a school less than a two hour drive one way. I thought as much. But, there is some weight to this. I petitioned to live off campus at my 4 year, which saved me around 6,000.
10. Be frugal…Frugal. Right. Most colleges REQUIRE you to purchase a meal plan.

Now we'll look at my example with the whole "work for it" thing. I have costs down to 21,000.

I worked 4 hours after school every night and 12 hours every weekend in high school. I had around 10,000 saved. So we'll look at that. Now consider that if you go away to school you need a car to have a job. Factor in cost of car. (I bought mine for 2000 off a relative. It was a piece of shit…that is still running). Now I'm down to 8,000. You lose around 1000 in things for your dorm room. I was then down to 7,000. That sounds good right? Wrong.

21,000 Let's divide by a close to minimum wage: 9 dollars.
2,333 hours a year. Let's find out per day shall we? 2333/(12*4*7) That's 12 months a year, four weeks a month, seven days a week (not just 5, which is a work week).

That's down to: 7 hours a day, if we ignore taxes and other expenses. Sure. You CAN do that…but are you going to pass your classes?

Long and short: college is expensive. You are going to have dept. Choose your major wisely. Pray nothing bad happens. Pray some more. When all is said and done, work for the next ten years to pay them off.

150.

Dustin
December 31st, 2011 at 11:06 am

Yeah, I agree with all of the points put on this website. For me, I was fortunate enough to get a tuition waver to the community college I attended because I majored in music and the music program was handing out wavers. Saved an ENORMOUS amount of money from that alone. My philosophy is to take one step at a time (i.e. starting out with community college), because you’ll still come out with the same degree, but the difference is in how much debt you’ll owe. My dad took 13 years of college with varying degrees (even a PhD) and he really emphasized on that.

Now I am looking for a way to take some business courses at another community college or somewhere else so when I go into a university majoring in business, I can shorten the time I spend in a university by a year or two.

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January 2nd, 2012 at 12:50 am

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jocu-RI cu Masini
January 3rd, 2012 at 9:30 am

The party is on, you are very got at making fun o serious problems

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jocu-RI cu Masini
January 3rd, 2012 at 9:32 am

You got some mad writing skills, I hope you will keep writing more articles

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jocu-RI cu Masini
January 3rd, 2012 at 9:40 am

Great article as usual, I know that this is a problem for everybody but I still can’t stop laughing

155.

Business College Australia
January 7th, 2012 at 1:32 am

Wonderful post ! In this post,it is explained the money of the education loan .I know that the fee of the MBA course has increase . In my opinion, there should change the some rules in the education loan like interest rate should start after ending the education etc. I know that the maximum students have paid the $20,000 without taking the loan .But if it increases then he/she takes the education loan .
Thanks for sharing the information .

156.

deal of the day
January 8th, 2012 at 6:38 am

Loan is like a blood virus that sucks our blood for the rest of our lives. Education is important, no doubt about that but the problem is paying of the debt. Helpful tips Nick. I will surely tell other about this. Thanksdeal of the day

157.

Mitchy Chick
January 9th, 2012 at 11:24 am

Or if you can’t hit up your parents to take a loan against the house, hope they are broke enough to qualify you for more grants. If your parents are completely useless get yourself into the foster care system. Live in a bad area? Look around for grants aimed at disadvantaged youths. A local program in my area will set youths up in apartments with reduced rent for 4 years and pay half their college tuition. There are strict rules about no drugs, alcohol or members of the opposite sex in the apartments but given the stated goal of helping youth out of poverty, I think that is to be expected. If your parents are divorced make sure your “residential parent” is the one with less income, you only have to list that parent on your applications for financial assistance. If your parents are interested in furthering their education, get them to do it while you are also in school. Both of you will qualify for more assistance and you can compete for best grades each semester. Personally, I don’t think kids are entitled to their parent’s money to pay for college. You can tell in every freshman class who is working for it and who is there because mom and dad said so. The ones that are being paid for are the most likely to fail to graduate because they have no responsibility or true understanding of what it costs for them to take up that seat. The sense of entitlement it takes to force your parents to pay for your college education, even to the point of taking an additional mortgage on a home that has lost value year over year for the better part of the last decade is guaranteed to make for a poor student.

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January 14th, 2012 at 12:31 am

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January 16th, 2012 at 4:28 pm

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February 1st, 2012 at 9:16 am

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February 1st, 2012 at 9:17 am

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February 1st, 2012 at 9:23 am

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February 4th, 2012 at 4:00 pm

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February 4th, 2012 at 4:14 pm

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February 4th, 2012 at 4:19 pm

basic education can be in some countries such as the USA. Even more so to see how a large part of the institutions isn’t even up

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February 4th, 2012 at 4:21 pm

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February 4th, 2012 at 4:22 pm

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February 4th, 2012 at 4:23 pm

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PST File Splitter
February 10th, 2012 at 8:26 am

Really nice article, provides much information to help a student..

181.

Beth P.
February 12th, 2012 at 6:48 pm

I can personally say as a recent college grad that if at all possible to avoid piling on student loans, and if a loan is necessary, try to find one with as little interest as possible. There’s nothing worse than getting out of college and already in debt.

182.

دردشة العراق
February 14th, 2012 at 1:46 pm

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February 16th, 2012 at 11:36 am

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yeah right
February 29th, 2012 at 7:04 am

I especially loved the “get married” idea. LOL

With parents out of work how do you hit them up for money?

This article is not helpful.

186.

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March 1st, 2012 at 3:24 pm

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Tuur
March 12th, 2012 at 4:29 am

Luckily the government and more and more organisations provide grants and scholarships to people that want to go back to school. This will increase the education level and in the end our country will prosper from this..

188.

babs
March 12th, 2012 at 5:01 am

Not only students that come from high school are given financial aid but nowadays adults that want to complete their degree can do this by following an online degree course

189.

Dan @ College Tips
March 13th, 2012 at 9:47 pm

My parents absolutely refused to pay a dime for my education, so I initially turned to living off student loans (ouch, big mistake). Getting a job (#6) is something I totally agree with. Start building that experience – then by the time you graduate, you’ll have a good paying job. Hopefully you will be able to pay off at least the interest on those Gov. loans in the mean time.

190.

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March 19th, 2012 at 3:27 am

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March 23rd, 2012 at 2:28 am

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houston ac
March 28th, 2012 at 2:03 pm

Good article. Really enjoyed it. I have two kids in college and simple things like these are helping us every day to make it through.

194.

Nic
April 6th, 2012 at 2:31 pm

I just read an article about 5 of the Best-Paying 2-Year Degrees that might help some of you out. If one of these careers are a good option for you, it can help prevent debt.

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شات الحب
April 17th, 2012 at 12:36 pm

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Marbella apartments
April 24th, 2012 at 5:56 am

There is absolutely no need for anyone to take out a dime in student loans to get a good college education.

197.

IIPM Management Institute in India
May 7th, 2012 at 5:46 am

Good tips. Some states allow high school students to attend college with zero loan…

198.

Marbella apartments
May 11th, 2012 at 6:53 am

Try to work instead to take a mortgage. You going tanks youseft latter in your life.