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"Alternatives to Student Loans"

Student loans are a great way to pay for college, but if you have other methods you should use them first.  Student loans can pile up quickly and if you stay in school for advanced programs the total at the end can sometimes overwhelm even the most dutiful bill payer. If you go through college to reach your PhD, according to which college you attend, your bills could exceed one hundred thousand dollars.  With that much debt the monthly bills can be over a thousand dollars.  That is almost as much as the most expensive mortgage payment for a moderate size home. It is not worth it in the long run if you can get scholarships, grants, and work study from your school.

Instead of student loans grants can be applied for and a business or organization will pay some or all of your tuition. Grants can be applied to online or you can go to your school’s financial office and ask a counselor how to apply for a grant and what one’s are right for you.  A grant is one time or monthly payment to your school that you do not have to pay back.  You have to give a specific purpose for your studies because some grants only want you to pursue a particular field.  In comparison to student loans, this is the most preferred way to pay for your tuition.  They give you the money. You pay the bill and the transaction is over and will not haunt you down the road.

Instead of student loans you might want to look at scholarships as a way to pay your commission.  Scholarships are awards after the student shows individual achievement whether in sports or academics. Once you are in college for a semester and you have a GPA of 3.0 or higher, start searching the web for scholarships. Apply for all that you meet the criteria on and even some if you don’t.  If nobody reaches the criteria for a scholarship, the scholarship committee will award the prize to the closes one that does.  Student loans are great when you need them, but these other choices are the best way to keep your future finances in check.