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Whether you’re a high school student researching which school to apply to or you’ve already gotten an acceptance letter, it’s never too early to start thinking about cost. College tuition and other school expenses can add up.

There are plenty of ways to pay for school, as long as you know your options. The earlier you start to plan, the more time you can devote to things like choosing classes and picking a major.

Here’s how to pay for college when you might not have enough of your own cash to cover expenses.

1. Save early with a 529 plan

It’s easier to save a little bit over a long period of time rather than saving a lump sum quickly. If your family hasn’t done so already, and you have time before you start college, save early with a 529 plan. This savings account is made to help you save on the cost of college when the time for school arrives. Among the benefits:

  • Earnings in the plan grow tax-free and as long as the money that’s taken out goes toward college costs; withdrawals aren’t taxed, either.
  • Some states offer tax deductions and credits as well, and you don’t need to report contributions on your federal tax return.
  • You can change beneficiaries to another child or relative if the original recipient decides not to attend college.

2. Attend a cheaper school

If you have your heart set on the four-year school of your dreams and the price tag is holding you up, consider attending a community college for awhile and then transferring to a public university later. This is also known as the 2+2 program.

The 2+2 program is when you spend your first two years at a community college, earning an associate’s degree or similar certification. Then you transfer to a public university or another school of your choice for the last two years of college. This is a good idea for many reasons:

  • Lower price tag: Community college’s cost of tuition, fees, and overall living expenses is typically much less.
  • Controlled learning environment: Class sizes and campuses are smaller at community colleges.
  • Alternative schedules: If you work full-time or class offerings overlap, community colleges tend to have friendlier class schedules.

3. Apply for scholarships and grants

The best way to pay for your college education is to use money you don’t have to give back. Scholarships and grants should be your first step.

Scholarships are merit-based, usually determined by academic (or athletic) performance. Grants are needs-based, or if you’re struggling to afford college. As long as you qualify, you can apply for either. Here’s where to look:

  • Consider all options: Scholarships and grants come in all forms, from federal, state, and local offerings to industry-specific types.
  • Count on community: Many community groups — like religious organizations or businesses — offer free money as well. There is no shortage of scholarships and grants, but finding them might take some extra sleuthing.
  • Look early: It’s best to start looking for all the free money you can as early in the game as possible. Many want essays, transcripts, and letters of recommendations. These can take a lot of time to gather and submit.

If you’ve already been accepted into a school, see if they offer college-specific grants and scholarships. Reach out to your financial aid office to see what’s available.

4. Take out federal student loans

After trying to get as much free money as possible, apply for federal student loans. This type of borrowed money is administered by the U.S. Department of Education. For federal student loans, interest rates are fixed and set by Congress. Usually, these have lower intrest rates compared to other types of loans.

Federal student loans have flexible repayment terms. There’s even a grace period for repayment, starting six months after you graduate. Some other loans require you to start repayment while you’re still in school. There are a few different types of federal student loans:

  • Direct Subsidized Loans: For undergraduate students based on financial need.
  • Direct Unsubsidized Loans: For undergraduate, graduate, and professional students that isn’t based on need.
  • Direct PLUS Loans: For graduate and professional college students and parents of dependent undergraduates. It’s not based on need and a credit check is required.
  • Direct Consolidation Loan: For combining all your federal ones into one loan payment.

5. Consider private student loans

While federal student loans come from the government, lenders handle private student loans. This is a great option if you’ve exhausted all your federal loan borrowing and still need money to pay for college. There are a few major ways in which private loans differ from federal loans:

  • Qualification: Not all lenders are created equal. One lender can reject you while another can accept you — it’s all a matter of their own requirements.
  • Rates: While the federal government has fixed rates are voted on by Congress, private lenders can determine their own rates and qualifications.
  • Credit check: Private student loans require a credit check and although you might qualify on your own, you should consider a cosigner — most private student loans are cosigned.

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6. Find a job

Going to class and studying is enough to be a full-time job, but if you can find time to work, you should. Some schools offer work-study programs.

Work-study is like a part-time job available for any student — undergraduate and graduates — based on financial need. You can be either a part-time or full-time student to qualify. But not every school offers this program, so check with your school’s financial aid office to see if they take part.

Otherwise, you can still find a job either on campus or off to earn some money. You might need the cash to pay for classes, living expenses, books, or any other financial holes that need covering.

Pay for college using all your available options

Paying for college isn’t one-size-fits-all. Use every resource possible to make sure you can afford to go. While the best way to pay for college comes from all the free money you can get, not everyone has that opportunity.

There are other ways to pay for college, like federal and private student loans. While borrowing money for school means you’ll need to eventually pay it back, they’re helpful if you don’t have enough money right now to afford the price tag.

Other ways to pay for college include federal work-study programs or part-time jobs. Having a job while in school can lower borrowing costs. It might seem like a hassle now, but will be great when you graduate and don’t owe more than you can handle in student loans. Find a school that best meets your needs, review the cost of attendance, and make sure you use every resource you can to pay for college.

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