7 Ways to Pay for College without Student Loans


 When it comes to college it is one of the most important decision you have to make in your young adult life. One of those decisions will be how am I going to pay for college? Don’t take this likely because it will determine if you will have a four year college degree only paying $30,000 back in loans or a four year college degree paying back $70,000 back in loans. I am committed to helping students and families finance their education in a way that best suites their individual needs. Their are a number of options you can go for to help pay for your college education but I will give you some other ways to pay for your college education that won’t require you to pay back student loans.

1.Go to Community College first

In State, Public community college or university as a potential way to save cost. Starting out at at two-year community college and then transferring to a state or bigger university will help you save money in the long run.

Nearly 30% of Americans with associate’s degrees now make more than those with bachelor’s degrees , according to Georgetown University’s Center on Education and the workforce.

2. Choose the right School

Choosing a college is one of the most important decisions you will ever make. While there is a lot of information available to help you decide, knowing what to consider when choosing a college is crucial.

Do a little research and find out what the school offer depending on financial aid offers,what aid based on need options, offers fee tuition based on academics, and others are free altogether depending on sports scholarship,science, and/or writing the best essay.

Cost is one of the most important things to consider when choosing a college, and you will need to determine how much tuition you can afford to pay prior to selecting a school. The cost between public and private universities has risen considerably in recent years.

According to the National Center for Education Statistics, for the 2011-2012 school year, undergraduate tuition, room, and board cost an estimated $14,300 at public institutions, $23,300 at private for-profit institutions, and $37,800 at private non-profit institutions. Total costs will also vary by the length of program you choose.

3. Take College courses while still in High School

While you are still in high school and you are in the AP classes start taking some college courses so when you get out of high school you probably on your way to being a sophomore in college. This is a great opportunity to get ahead in school.

Most students do not have to pay for the classes they take in high school, and it can be difficult to afford the tuition required for college classes. Even though community college classes are typically less expensive than regular 4-year colleges, tuition is still usually at least $100 per credit hour, which means taking one community college class can cost several hundred dollars or more.

Sometimes high schools will pay for their students to take community college classes,especially if they don’t offer a particular class themselves. Ask your academic adviser what your school’s policy is for covering the costs of community college classes. If they do help with costs, this can save you thousands of dollars!

However, if your high school doesn’t cover community college costs, be sure to choose your community college classes carefully so you know you are getting the best value for your money. Also, if your high school offers a similar course, such as an AP class, you may want to consider taking that instead.

4. Serve Your Country

The Air Force, U.S. Coast Guard, Military, and Naval Academic offer a free college education to those who serve in the Army. 



During World War II, in response to a growing need to better compensate military veterans, Congress enacted the Servicemen’s Readjustment Act of 1944. Signed into law by Franklin D. Roosevelt on June 22 of that year, the GI Bill was designed to provide veterans with education and vocational benefits after discharge. The bill also provided for unemployment allowances, loan guarantees, and job counseling.Since then, Congress has enacted several expansions to the original GI Bill benefits, including the Post 9/11 GI Bill, and the Montgomery GI Bill. As a Soldier, you will qualify for different GI Bill benefits depending on a number of factors, including your length of service, and whether you choose to serve on active duty or Army Reserve status.


The Montgomery GI Bill provides education benefits to veterans and service members who have served at least two years on active duty.

Am I eligible?

Any Soldier who has served at least two years on active duty is eligible to receive this benefit.

What benefits will I receive?

Your Montgomery GI Bill can be used to pay up to full tuition for numerous schooling programs, including college, technical school, and flight school. Benefits are generally payable for 10 years following your release from honorable military service.



The Post 9/11 GI Bill is open to members of the U.S. Military who began their service after Sept. 10, 2001.

Am I eligible?

In order to earn the full benefits of the Post 9/11 GI Bill, you must have joined the Army after Sept. 10, 2001. Your payout is determined by how long you have served.

What benefits will I receive?

Under the Post 9/11 GI Bill, you can earn full tuition to the college of your choice for up to 36 months, plus a monthly housing allowance and a books and supplies stipend of up to $1,000 per year.



The Montgomery GI Bill Selected Reserve (MGIB-SR) provides education benefits to eligible members of theArmy Reserve.

Am I eligible?

Soldiers must agree to a six-year service obligation in the Army Reserve to qualify for MGIB-SR benefits.  

What benefits will I receive?

Under this bill, you may be eligible for more than $13,000 in tuition, or up to $356 per month for 36 months for full-time students.

“Kicker” Program

Army Reserve Soldiers may also be eligible for the Selected Reserve Montgomery GI Bill “Kicker” program.Army Reserve members may use the kicker to increase the amount of money they are eligible to receive under the GI Bill. The kicker generally pays between $100 and $350 a month.

5. Work Study at your College

Many colleges offer at least some degree of tuition assistance to those who help around the school. Student employment through the university is a great way to help you fund you college expenses like books, laptop, and supplies. The Federal Work Study program offers job opportunities to full and part time students.

6. Employee reimbursement programs at your job

The Tuition Reimbursement Plan provides eligible employees with the opportunity to obtain, maintain, or improve job-related participation in courses of study at accredited college and universities and organizations specializing in job and career-related education and training.

Jobs usually wants you to be working on the job for 90 days before you can qualify for the Tuition plan. Also you must remain for one year after completion of the school.

7. Scholarships and Grant programs

By applying for FAFSA, you’ll find out if you qualify for the Federal Pell Grant which you can get up to $5,545. Grants are typically reserved for students who demonstrate a certain amount of financial need. Some generate toward certain groups of students–such as those with a specific area of study or a unique trait like being a first generation college student. There are tons of scholarships out there for tons of different reasons. Go to FastWeb.com there they have scholarships that fit you and College scholarship guide can help you along the way to achieve college with the right scholarship.

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